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Is now still a good time there for you? Yep. Fantastic. Do you have access to your emails there at the moment? I normally just send the documents through to you via email so we can kinda go through it together. If you don't that's okay. If you don't, I can just go through the recommendations, and then you're welcome to read it later. It's up to you. Yes. Yeah. That's absolutely fine. Not a problem at all. I will send it through now to you so it's in your email so when you get a chance to have a look at it later on. Any questions that you do have, please let me know. What I'd probably ask, if you can, you can reply back to the OdooSign email, but you've got my direct email there as well because I've emailed you in the past. Do you still have that at all? Yeah. If not, after the call, I'll send you another email so it's there. It's just when you reply back to OdooSign, sometimes that doesn't come to me directly. So it means I can't reply to the email directly. If you have any questions, pop them in an email to me directly, and that way I can answer them and email you back just to make it easier just so that we eliminate the risk of it not coming direct to me. Okay? Yeah. Beautiful. I'll send you an email afterwards just to say, hey. Here's my email address. Keep this set aside somewhere. That way, you can always email me back and forth just to make it easier on you. Okay? Excellent. So with this advice piece, just to sort of hit the target points that I have to hit on, on the front page, it does have my license number for you. My license number registered with ASIC is 1304394. The main sort of areas with this advice is looking at the superannuation side of things. So you're more ethically invested. That's where your interest lie, which is absolutely fine, but we had obviously noted that ethical investors haven't been performing very well. Some of it is because of the markets as a whole. Others is that some ethical investors aren't performing greater. So you asked me to go back and have a really good look around the market to see if there's any additional areas that we're maybe not touching on with regard to the portfolio and to see if there's some, you know, other areas ethically that we could move into. We did do that. It took a little bit to get the investment portfolio built up. I'm not gonna lie. There's a lot of it ethical investments that we could sort of utilize. There's a lot that are performing really poorly at the moment. Twenty twenty one, twenty two was kind of a height for this sort of area, and since then, a lot of a lot of investments aren't performing very well. So I went back, and we've kind of built a portfolio. This did have to go through my life and see because this portfolio has been built solely for you. They had to approve this portfolio prior to us making the recommendation to make sure they were happy with the portfolio and making sure it's in the line with everything we had in our investment committee's investments aligned, essentially. So this is solely being built for yourself. So have a look through it when you do. If you have any questions, come back and let me know there. With the portfolio as a whole sorry. I'm just moving down to the correct page there for you. Essentially, what we're gonna do with the portfolio is we're gonna start by essentially just reducing exposure into the BetaShares global sustainable leaders. That is a good investment, has been working really well in your portfolio there, but I am sort of branching out into other areas, so we did need to reduce the exposure here a little bit for you. So we're moving you back from 24.46% to about 9%, so it does mean selling off a little bit of portfolio. The beta shares Australian sustainable leaders investment, so fair, that hasn't been performing very, very well. So I look to replace that with another diversified Australian ethical investment, and I'll be removing that completely from your portfolio. You originally had requested the beta share cybersecurity, so it has to be added to your portfolio. That was added through a transaction without advice. Having a look at it, Hack is not a bad investment. There's no ethical sustainability. It's not it's not an ethical investment in any way, but it's something that you wanted to have in your portfolio previously. So I have looked to keep that there for you. It is giving you exposure to a specific long term growth cybersecurity market, and there are is a lot more growth to be have within that market there at the moment. Essentially, your portfolio is a little bit overweighted. I wanna hold about 4% in there for you just to give you a bit of a weighting. It is a somatic sort of ETF investment. You've got about 5.52% there at the moment, so we're just gonna kinda rebalance that back a little bit. But I am recommending that we do hold that as part of the portfolio now and moving forward there for you. With the Australian Vanguard fixed interest index, it hasn't really been performing very well, so we are looking to move that down. When we sort of look at the five year rolling average on this investment, it's down pretty heavily. The five years at the moment, it's showing about 11.21% down over the five years. Just kind of wanted to move that out and put something in its place that's a little bit performing better and, yeah, looking at other areas there for you as well. So given the long term investment time horizon and your growth risk profile, we've decided to remove this wholly and look at more positive growth areas for you and keeping still keeping some defensive investments in there. We're looking at some other areas for this one here. With the Vanguard you're right. So sorry. Did you wanna ask the question? It fixed yeah. Fixed interest has taken a bit of a hit. Bonds and fixed interest markets are affected by inflationary pressures essentially within us the Australian market. We have seen quite a bit of inflationary pressures, and, also, they're just not doing so well at the moment. So when we kind of look at how this investment has been performing over the past sort of one to two years, it's had its ups and downs. It's not being too bad, but, realistically, it's kind of holding your portfolio back. So it's best to kind of remove that and find other areas to be able to move and hold some defensive investments, essentially. So as a whole, looking at the five years, it's down over the course of the five years all up, so it's better just to kind of look at removing that and try to find some other areas for you to invest in essentially. Yeah. Yeah. Absolutely. Yeah. No. Definitely. Definitely. We did go back and sort of reweight this against, you know, the other areas there, and we do feel that moving this investment is a good move for the moment. You're still gonna hold some defensive investments within your portfolio. Essentially, instead of having just the Vanguard fixed interest, we're actually gonna have in there the core composite bond. So this investment is giving you exposure to government and corporate and subcorporate bonds. Bonds are good defensively. They tend to pay income, income which is paid in your cash account and reinvested back. So we are replacing the Vanguard fixed interest investments with defensive investments. It's just that we're changing the nature of those investment side of things. And at the moment with your waiting, when I kinda went back and looked at it, you're more of a growth investment profile, which is at eighty twenty kind of split. You're actually more in a balanced growth environment. So, overall, your entire portfolio is slightly underweighted for where your risk profile is. So this is kind of bringing you back up a little bit, if that makes sense, and increasing your growth exposure into the market. All good. Sorry. If I lose my voice, I do apologize. The next sort of target that we're looking at is the Vanguard diversified conservative index. So, again, you are a bit underweighted as I mentioned before. Your portfolio is more weighted towards the 70% of growth assets. So I'm looking to remove this because we are bringing out more of those growth investments and trying to kind of bring you back to a more of a risk profile waiting that's right for your portfolio. So we are looking to diversify into other growth areas to try and promote that growth side of things a little bit. So we are looking to remove the Vanguard diversified conservative index investment out of there as well. We're going to also you have the the FTDR S and P World x Carbon Aware investment. That one also is down a little bit as well, so we are looking to remove that solely from the portfolio. We are replacing that with an exposure into other ethical and EFC focused international investments to provide greater diversification for you as well because, obviously, we wanna have more growth assets and kind of rewrite your portfolio. We also wanna make sure we're diversified across the market, across the world, and across as many industries as possible. That way, we're helping to overall reduce the risk or the market risk of your portfolio as much as physically possible. You've got the we're also putting in there so we are taking out the the fair, the beta shares Australian sustainable leaders, which is the Australian exposure there, and we're replacing that with the Vanguard equity conscious Australian shares. We wanna hold about 30% of this investment within the portfolio, so we'll be buying into that one. This one here invests in Australian companies that meet the ethical and responsible investment criteria. It focuses around the largest the large cap kind of space within that ethical environment. And when we sort of look at how Australian ethical investments have performed, This one has shown greater past performance than the fair. It is up at the moment and doing much better, so we feel like replacing that is a really good move for you. It obviously is still something we do wanna monitor moving forward, and I do wanna do a bit of a catch up down the track to make sure that these are working. If any of these need to be replaced, we'll keep, you know, making sure we do we do so. But this investment essentially provides a strong Australian ethical exposure and is intended to perform greater over the longer term based on past data and research materials. So that's still giving you some Australian exposure into the equity conscious area. We've also then got the iShares core, Missy World x Australian ESG investment, and this one here is giving you a bit more diversified international exposure. It reduces reliance on the Australian market. It's obviously not encompassing any Australian shares. That's because we have the last one, the Vanguard, as it's a conscious Australian shares in there. This is just looking at globally to try and take advantage of global markets, and it's focused across the entire globe, not just a few different countries. Historically, this has provided greater kind of performance, and we sort of know sort of based on past data, international investments do perform much greater, So we do wanna keep that international exposure there for you. So in your portfolio, we wanna hold about 25% of this investment there for you. Okay? Some other areas that we haven't taken advantage of in the past that that would be good to look at and are sort of providing some greater diversification is the beta shares electric vehicle and motor motor ability to drive only targeting about 4% of this investment because it is more of a somatic themed investment. It does provide a small allocation to a long term investment themed focus on changes in transport and technology, and it's an ethically driven one. So it's focused on ethical motor vehicles, mobility, and things like that for you. So it's an area that didn't wasn't really in your portfolio before. Would like to see happen here. It is more of a same DTS. They're not holding a lot of it, and we do wanna obviously check on this down the track because there is a risk that it could have a bit of a downturn, then it is more of a same DTS. But it is an area that exposure has been looking good for and could have some really great growth down the track there, and it does look to be performing fairly well currently. Okay. We've also added in our food. So the beta shares a global agriculture. One of the areas that you didn't kinda have in the past was agriculture. This is not necessarily an ESG or an ethical investment as such, but it is focused around agriculture. So it provides expose exposure into the global agriculture sector and provides greater diversification. You didn't really have a lot in the way of agriculture and farming in the past, but this is kinda adding that into it, And it has seen some really great growth over the past couple of years as well. So we wanted to add that in there. Again, it is more of a theme ETF, systematic ETF, so we're just holding about 4% of that. But it is opening up to some more diversification and adding exposure into other areas that your portfolio didn't have consistently in the past. Okay? Excellent. And then we've also just got the street I'm sorry. This is a bit of a tongue twisted one. The State Street S and P Emerging Markets Carbon Aware. So this is essentially giving you exposure into some emerging markets across the globe. So it's more it's international as well, but it is looking at sort of small to medium cap investments and companies. So it's kind of also giving you a little bit more exposure into other areas that you didn't have previously, which is by no means a bad thing, adding some extra diversification to your portfolio. Again, we're only adding 4% of this. Emerging markets can have a little bit more risk to it, so we do wanna only wanna hold a small amount there, but this investment has been good growth, and it kind of builds into different areas where there might be opportunities opening up in that small to mid cap space across the globe as well. So we've added this one in there for you at 4%, and then you just enter components at 20% in core composite bonds. They're giving you exposure to both government and corporate bonds. For income producing, these investments, the core composite bonds, there's no ESG rating around them. We did look at some ethical bond funds, but they're performing really poorly, and they're very volatile. So for defensive asset, they were very up and down and very risky, very underperforming as a whole. So we decided to go with the more core composite on the ETF side of things. It has a greater track record, and you just sort of essentially, focusing on government and corporate funds there, essentially. We just wanna be able to create some income from these sorts of investments, which can be reinvested back into your portfolio to assist with the long term compounding effect there. Does that make sense? Do you have any questions so far? I know it's a lot when you're not looking at the document, and I'm so sorry about that. Yes. Yes. That was the one thing I did that you'd have to do. So these will all happen once you sign the document, we submit the we basically tell Hub twenty four this is what we wanna do, and we submit the investment changes. It can take essentially between two to three weeks to complete the investment switch, but mostly they're all basically ETFs, so most of them can be completed very, very quickly. But as soon as you sign the document, we submit that request and have those changes submitted straight away. Because I know once KPMG approves that, it all has to happen fairly quickly, doesn't it? Yep. Yeah. So we are keeping some of them. Like the SE, we're just selling off a portion of that. We're keeping about 9% of the portfolio. The cybersecurity, we're just rebalancing back. That's only a four a a partial sale. Sorry. The FAIR, the Vanguard, that is being sold completely, and so would the World Australian Carbon Aware, that's all being sold off completely as well. But some of them will be kept in there. We're just rebalancing some of them as well. So yeah. Does that answer your question? Yes. Yeah. Absolutely. So there's a table that shows you the buyers and the sales on page number 19 there. You'll be able to sort of go through and see all of that nice and clear. There's also a fee comparison table. So one of the things that I did look at was whenever we are switching investments, there is a capital gains cost difference. Your fund just like you, your super fund does a tax return every year. Inside super, there are capital gains taxes, income taxes, and things like that. So in order to complete the switch of the investment, with the research I've been able to conduct, essentially, your super fund is expected to pay capital gains tax of a $116. The newer investment portfolio has had a greater past return, so it's about increasing your growth asset allocation. When we kind of look at how investments have been performing, the newer portfolio has averaged about 7.42 on a yearly basis over the past five years. The new the older portfolio that you're in, when we were kinda looking at that as a whole in the totality side of things, it averaged about 6.11%. And that can be different within your fund initially, but the newer portfolio shows over the past that it's got a greater potential for greater gains in the future. And it's also a cheaper fund, so it's actually saving you an investment fee. It's estimated to save about a $187 for the year on investment fees. So it's also a cheaper portfolio to hold than your current portfolio is as well. Yeah. Yeah. Correct. Correct. Look. It wasn't wasn't the best, but it's not that bad. When I sort of look at as a comparison, Australian Ethical Super, they've averaged over the five years. They're reporting 5.8%. So, realistically, your past portfolio hasn't been performing terribly. It could definitely be doing better, and that's kind of what we wanna see when we are looking at investors and kind of looking at ways to build and grow them. We wanna look at the best possible past performance to give us a guide on how portfolios can, you know, grow and produce growth over the future. So the newer portfolio was cheaper. It has had a greater past performance. That's what I would like to see in the future, but we do need to catch up in the next sort of three to four, even six months depending on your comfort level just to sort of see how that is tracking once the once that portfolio has been altered and changed to sort of make sure that it is on track because you are ethically invested. It does mean that some of these investments can perform worse. They some of these investments are more thematic, so they do have a little bit more risk that comes with them. The CNDCS, especially the ones around the, you know, the drive, that sort of area, They do have the tendency to drop depending on, you know, how vehicles are traveling or mobility side of things. So we do wanna come back and review those. But looking at building the portfolio, this came out really good. I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible. So the overall portfolio does add greater diversification there for you. So that is one good thing that I did like about this portfolio. Yeah. No. That's that's basically it. It's touching on the changes that we need to make. There are the pages in there do outline more around the advantages, disadvantages, the risks involved. I did go through some of them with you, but when you get some time, take take have yourself a cup of tea coffee, whatever you're comfortable with. Take some time to read through the advice document. If you find you do have additional questions, you're welcome to let me know there. I just had to touch some of the points that I needed to, albeit understanding that you're not looking at it. So sometimes it can come across like I'm talking at you. I do apologize. I had no attention of that. It's just making sure I touch on the things that I absolutely have to as part of the presentation of this, and then allowing you time to go back and take it in and read it, and albeit making sure that it's provided to KPMG so they can approve the portfolio. Or if they don't approve anything particular, letting you know, we can always go back and readjust this for you. Okay. Yeah. So, realistically, having an ethical portfolio means that there is a difference to growth. Realistically, when you are invested ethically, you understand the markets are gonna be lower. Ethical investments have had great growth in the past. 2122 is probably more for the best growth. Since then, they have not been performing as well. So you're not realistically gonna get the kind of growth that most of our portfolios do obtain, but it's also gonna be with a comfort level for you. So you it's not saying you can't get growth. You can. Ethical portfolios do have a place in the market, and there's plenty of people who do wanna be, you know, ethical in their investment. So I do not in any way, shape, or form think you're wasting your time. That is my honest opinion. This can work for you. I think what we might need to do down the track, though, is consider additional contributions to help boost that growth, Essentially, with what's going in, you're on a good income. You've got good employer contributions, but to maybe look at, you know, closing the gap between the growth of a non ethical portfolio, I do think additional contributions down the track could provide greater benefit to you. But I think to start with making this change, having it sit there for a little bit, reevaluate it in the next sort of six to twelve months at least just to see how it is tracking and then kind of reevaluating it again. I do hope this portfolio works the way it should. I do not wanna really be making changes on a yearly basis because that provides no great benefit to you. But I think this is working really well. The old portfolio, you know, had some kinks in it. It was also one of the first ethical portfolios that was kind of built, and there's been a lot of changes in the ethical space in the last couple of months there. But with what's been changing globally as well, we might actually see a bit more of a step where people head back towards that ethical side of things again. So there's always a lot of unknowns when it comes to investing as a whole. I am sort of in of the opinion that we just you try something. You look at something. You look at the past data and go, cool. This has been working in the past. This is what I'm aiming for currently. This is where I think I should be, and then you just sort of focus and look at that and alter it as you need to down the track. So you it it don't ever think that being ethical is wrong and, you know, you're gonna be worse off because of it. There's nothing to say you will be. It's just about closing the gap and understanding where you're at and investing in a space that's comfortable for you as well as getting long term sustainable growth. The other thing to sort of consider and the conversations I've had with a lot of people this year are around, you know, portfolios over the past that have, you know, fifteen, twenty percent growth, absolutely fabulous. There's no guarantees of that. In all honesty, to have a portfolio that shows you in the past, it's formed around about seven to 8% in that growth environment. It's actually showing you that it's probably got more of a chance of he keeping that sustainable growth moving forward than a portfolio that's averaged a 17% return over the past. There's absolutely no way a portfolio can sustain 17% every year for the next five to ten years, whereas in that growth portfolio, you're more likely to try and obtain that sort of return. In the growth environment, you're still going to get a negative return, and we expect one sort of one in every five odd years. But as long as you're in a portfolio that gives you diversification, takes advantage in certain areas, and is tracking and giving you an average rate of return that can be compounded forward, you're gonna be okay. You're gonna do really well. And you're still young. You've got a lot of time ahead of you. You're compounding things at a lot longer than most people are. Most of my clients, unfortunately, are retiring with lower balances in super, you know, less than 500,000 because super wasn't a thing in the early days. It's more of a you know, we're at a higher contributions right now, which is also gonna provide a greater benefit to you. So I'm uncomfortable with you not getting, you know, a 20% return every single every single year if the returns you're getting are sustainable if we're taking advantage of the lower years. But I wanted to make sure that your portfolio was ethical. It was in line with what you wanted to see and that we could update it. And it will have to be updated. Don't wanna do it every year for you because that doesn't benefit you, but it does have to be updated and changed whenever there does need to be changes in the market, whenever, you know, certain things might be under performing, whereas the market might not see that underperformance. So, yeah, that's essentially my honest opinion for you. I hope that is okay. But, yeah, I like this portfolio. I really actually enjoyed building it. There's a lot of ethical investments out there. There's a lot of a lot of things that you can invest in. It's just making sure that those investments have been around long enough to sustain the market ups and downs, and ethical investments as a whole haven't really been around for a really long time. So this portfolio is encompassing some ethical areas as well as some that are less ethical, but not sort of taking into account anything crazy. So we're looking at core confidence of funds and cybersecurity and also focusing on, like, agriculture. So while they don't have an ESD rating, they are still fairly ethical fairly ethically sound. So you're not investing in anything that kinda goes really against what you're comfortable with, if that makes sense. Yeah. That's okay. Mhmm. Yes. Yeah. Yeah. Yeah. Look, honestly, with the way the markets are at the moment, most growth portfolios are averaging around about nine to 10%. So you're not missing out on a great deal. No one's really, you know, gonna get that 17 or 20%. The most sustainable, nonethical portfolios in that growth environment are are generally looking to obtain about that nine to 10%, and that's what is sort of sitting at the moment. So I wouldn't say you're missing out on a great deal of growth by being ethical. Yeah. Yeah. Yeah. Definitely. Yeah. So we can look at making salary sacrifice contributions and adding to what you've got currently. We can look at updating advice to maybe take advantage of past cap base because we do have what's called carry forward contributions where if your balance is under a certain threshold, so it gets 500,000 as that 32 in the prior financial year, we can look to use previous years' cap space and make additional contributions to super by way of salary sacrifice. You can also make them from your after tax income and do deductible contributions, which can give you a tax deduction at the end of the year and help to, you know, lower your overall taxable income. There's a few different ways that we can do it. It also comes down to your comfort level. So do you have much in the way of expendable income? Are you comfortable adding more money to super knowing that you can't access those funds currently until you meet that condition of release? But, yeah, down the track, doing those benefits. Sorry. Yep. Okay. Yep. Yes. Yep. Yeah. Of course. Mhmm. Yeah. Yeah. You absolutely can. If you make them a non concessional contributions, you can do it by way of BPAY or EFT. I can send you the information. That way, you're able to make those when you want. When it comes to cabs making non concessional contributions, which is your essentially ad hoc contributions from your bank account, they allow you to make up to a 130 for this financial year. So I'm assuming you're not gonna have a $130 to pop into suit for this year with all living expenses, but that essentially is the cap space there. And we can always if you do have some ad hoc contributions, we can always sort of talk about it in, you know, May, June, next year, look at what you've put in the super and whether you wanna claim that as a tax deduction or whether that would provide a benefit to you. So, yeah, I can send you that information after four if you like in the email so you've got that, what a nonconcessional is, what the cap phase is, and how you do that to make it easier on you. Yes. Beautiful. Excellent. Yeah. No. No. That's fine. So you'll just put the the contributions in on a rate however often you are comfortable with. And then the only way you would need to let your accountant know you're doing that is if you decide to claim them under a notice of intent, claim as a tax deductions. Say, as an example, if you put $10 into super and come the end of the financial year, you wanna claim that $10 as a tax deduction on your income on your income tax, we then submit a notice of intent to claim against those contributions inside super fund. I have 24 deduct 15% tax and pay that to the ATO, and then that $10, you can take back to your account at the end of the financial year and go, hey. I've claimed I put $10 to super. I wanna claim that $10 as a tax deduction. Free component. So your taxable free component. So your taxable consists of everything where tax is being deducted inside super. So, like, your employer contribution, salary sacrifice, or deductible contribution. If you're just moving money into the super fund out of your bank account, it's called nonconcessional. So it goes in a 100% invested. There's no tax deducted out of that money, and it goes into your tax free component of that of the super fund there. Yep. Yep. That's fine. I also break down, if that's okay, I can also break down that information that we've gone through into the email for you. You've got that as clarification as well to make it easier. That's okay. That's yeah. Yep. Yep. Yep. Yep. The other thing I wanted to sort of talk to you about was your that new insurance that you have through host plus with your employer. I'd love to look at that in a bit more detail and find out what happens with those insurances if you do quit KPMG because that gives you a good amount of life and PPD. Are you comfortable if my team touch base and have a authority to collect signed? It allows us to put that on the host plus account, and we can do research. So we can ask questions about it. We can get the product disclosure status for it, and we can find out about the funds going in, how that's being paid for, whether that's considered a contribution to you, what happens with the policy if you leave the leave your employer, how that then gets paid, or how that then can be retained. Are you comfortable if we do that additional research for you? Yep. Beautiful. Just wanna make sure I understand that policy as much as possible. That way, if you have any questions, at least we can help you to understand it as well. Because if you do resign and that policy gets canceled, then it's about looking for additional cover. But there could be a period time where you don't have any cover, and that would've been that risk to you. So I'll get my team to do up that third party authority and send it through to you to be signed. I'll just also check your ID on file is update because that has to be provided with the documents, and we can have that applied and do the research there for you. And then I can always be in touch to give you some information, talk to you about it, and let you know what the outcome of that research is. Okay. All good. Beautiful. Excellent. Is there anything question wise that might come up that you need me to answer or help you with? Or No. That's okay. Absolutely. Absolutely. No. Look. You've gotta have dreams in life. Life is, know, we go to work. The only wasn't I said the only thing that seems that mentally, the only thing a constant in life is death and taxes. So you've gotta have dreams. And if winning Lotto is one of those dreams, you dream away. No. Understandable. Uh-huh. Yeah. Yeah. I don't do anything. But I don't understand when it comes to overseas markets and yeah. The the rule around the lot of overseas are really bizarre. All good. But, look, honestly, thank you so much for your time. Take some time to read through the document. We outline everything I've completed there for you. There's no additional implementation fees for the advisers. All part of you being an ongoing client and paying the ongoing service fee there. If you find you do have any questions, let me know. I'll do up a bit of an email shortly for you so you've got that there with my email address, and you're welcome to let me know if any questions come up from the document. Or if KPMC come back saying that there's something that you can't can't invest in, we can go back and alter it. Okay. Yeah. Yep. That's not a problem at all. All good. Thank you so much for your time. I hope you have a good afternoon, and I hope you have a good weekend ahead. We're nearly there. Thanks, Anthony. I'll talk to you soon. Enjoy the rest of your day. Thanks. See you later. 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Anthony. This is Dana from OC Financial. How are you this morning or this afternoon? Understandable. I had you booked in just to go through your updated statement of advice now.\n\nIs now still a good time there for you? Yep. Fantastic. Do you have access to your emails there at the moment? I normally just send the documents through to you via email so we can kinda go through it together.\n\nIf you don't that's okay. If you don't, I can just go through the recommendations, and then you're welcome to read it later. It's up to you. Yes. Yeah.\n\nThat's absolutely fine. Not a problem at all. I will send it through now to you so it's in your email so when you get a chance to have a look at it later on. Any questions that you do have, please let me know. What I'd probably ask, if you can, you can reply back to the OdooSign email, but you've got my direct email there as well because I've emailed you in the past.\n\nDo you still have that at all? Yeah. If not, after the call, I'll send you another email so it's there. It's just when you reply back to OdooSign, sometimes that doesn't come to me directly. So it means I can't reply to the email directly.\n\nIf you have any questions, pop them in an email to me directly, and that way I can answer them and email you back just to make it easier just so that we eliminate the risk of it not coming direct to me. Okay? Yeah. Beautiful. I'll send you an email afterwards just to say, hey.\n\nHere's my email address. Keep this set aside somewhere. That way, you can always email me back and forth just to make it easier on you. Okay? Excellent.\n\nSo with this advice piece, just to sort of hit the target points that I have to hit on, on the front page, it does have my license number for you. My license number registered with ASIC is 1304394. The main sort of areas with this advice is looking at the superannuation side of things. So you're more ethically invested. That's where your interest lie, which is absolutely fine, but we had obviously noted that ethical investors haven't been performing very well.\n\nSome of it is because of the markets as a whole. Others is that some ethical investors aren't performing greater. So you asked me to go back and have a really good look around the market to see if there's any additional areas that we're maybe not touching on with regard to the portfolio and to see if there's some, you know, other areas ethically that we could move into. We did do that. It took a little bit to get the investment portfolio built up.\n\nI'm not gonna lie. There's a lot of it ethical investments that we could sort of utilize. There's a lot that are performing really poorly at the moment. Twenty twenty one, twenty two was kind of a height for this sort of area, and since then, a lot of a lot of investments aren't performing very well. So I went back, and we've kind of built a portfolio.\n\nThis did have to go through my life and see because this portfolio has been built solely for you. They had to approve this portfolio prior to us making the recommendation to make sure they were happy with the portfolio and making sure it's in the line with everything we had in our investment committee's investments aligned, essentially. So this is solely being built for yourself. So have a look through it when you do. If you have any questions, come back and let me know there.\n\nWith the portfolio as a whole sorry. I'm just moving down to the correct page there for you. Essentially, what we're gonna do with the portfolio is we're gonna start by essentially just reducing exposure into the BetaShares global sustainable leaders. That is a good investment, has been working really well in your portfolio there, but I am sort of branching out into other areas, so we did need to reduce the exposure here a little bit for you. So we're moving you back from 24.46% to about 9%, so it does mean selling off a little bit of portfolio.\n\nThe beta shares Australian sustainable leaders investment, so fair, that hasn't been performing very, very well. So I look to replace that with another diversified Australian ethical investment, and I'll be removing that completely from your portfolio. You originally had requested the beta share cybersecurity, so it has to be added to your portfolio. That was added through a transaction without advice. Having a look at it, Hack is not a bad investment.\n\nThere's no ethical sustainability. It's not it's not an ethical investment in any way, but it's something that you wanted to have in your portfolio previously. So I have looked to keep that there for you. It is giving you exposure to a specific long term growth cybersecurity market, and there are is a lot more growth to be have within that market there at the moment. Essentially, your portfolio is a little bit overweighted.\n\nI wanna hold about 4% in there for you just to give you a bit of a weighting. It is a somatic sort of ETF investment. You've got about 5.52% there at the moment, so we're just gonna kinda rebalance that back a little bit. But I am recommending that we do hold that as part of the portfolio now and moving forward there for you. With the Australian Vanguard fixed interest index, it hasn't really been performing very well, so we are looking to move that down.\n\nWhen we sort of look at the five year rolling average on this investment, it's down pretty heavily. The five years at the moment, it's showing about 11.21% down over the five years. Just kind of wanted to move that out and put something in its place that's a little bit performing better and, yeah, looking at other areas there for you as well. So given the long term investment time horizon and your growth risk profile, we've decided to remove this wholly and look at more positive growth areas for you and keeping still keeping some defensive investments in there. We're looking at some other areas for this one here.\n\nWith the Vanguard you're right. So sorry. Did you wanna ask the question? It fixed yeah. Fixed interest has taken a bit of a hit.\n\nBonds and fixed interest markets are affected by inflationary pressures essentially within us the Australian market. We have seen quite a bit of inflationary pressures, and, also, they're just not doing so well at the moment. So when we kind of look at how this investment has been performing over the past sort of one to two years, it's had its ups and downs. It's not being too bad, but, realistically, it's kind of holding your portfolio back. So it's best to kind of remove that and find other areas to be able to move and hold some defensive investments, essentially.\n\nSo as a whole, looking at the five years, it's down over the course of the five years all up, so it's better just to kind of look at removing that and try to find some other areas for you to invest in essentially. Yeah. Yeah. Absolutely. Yeah.\n\nNo. Definitely. Definitely. We did go back and sort of reweight this against, you know, the other areas there, and we do feel that moving this investment is a good move for the moment. You're still gonna hold some defensive investments within your portfolio.\n\nEssentially, instead of having just the Vanguard fixed interest, we're actually gonna have in there the core composite bond. So this investment is giving you exposure to government and corporate and subcorporate bonds. Bonds are good defensively. They tend to pay income, income which is paid in your cash account and reinvested back. So we are replacing the Vanguard fixed interest investments with defensive investments.\n\nIt's just that we're changing the nature of those investment side of things. And at the moment with your waiting, when I kinda went back and looked at it, you're more of a growth investment profile, which is at eighty twenty kind of split. You're actually more in a balanced growth environment. So, overall, your entire portfolio is slightly underweighted for where your risk profile is. So this is kind of bringing you back up a little bit, if that makes sense, and increasing your growth exposure into the market.\n\nAll good. Sorry. If I lose my voice, I do apologize. The next sort of target that we're looking at is the Vanguard diversified conservative index. So, again, you are a bit underweighted as I mentioned before.\n\nYour portfolio is more weighted towards the 70% of growth assets. So I'm looking to remove this because we are bringing out more of those growth investments and trying to kind of bring you back to a more of a risk profile waiting that's right for your portfolio. So we are looking to diversify into other growth areas to try and promote that growth side of things a little bit. So we are looking to remove the Vanguard diversified conservative index investment out of there as well. We're going to also you have the the FTDR S and P World x Carbon Aware investment.\n\nThat one also is down a little bit as well, so we are looking to remove that solely from the portfolio. We are replacing that with an exposure into other ethical and EFC focused international investments to provide greater diversification for you as well because, obviously, we wanna have more growth assets and kind of rewrite your portfolio. We also wanna make sure we're diversified across the market, across the world, and across as many industries as possible. That way, we're helping to overall reduce the risk or the market risk of your portfolio as much as physically possible. You've got the we're also putting in there so we are taking out the the fair, the beta shares Australian sustainable leaders, which is the Australian exposure there, and we're replacing that with the Vanguard equity conscious Australian shares.\n\nWe wanna hold about 30% of this investment within the portfolio, so we'll be buying into that one. This one here invests in Australian companies that meet the ethical and responsible investment criteria. It focuses around the largest the large cap kind of space within that ethical environment. And when we sort of look at how Australian ethical investments have performed, This one has shown greater past performance than the fair. It is up at the moment and doing much better, so we feel like replacing that is a really good move for you.\n\nIt obviously is still something we do wanna monitor moving forward, and I do wanna do a bit of a catch up down the track to make sure that these are working. If any of these need to be replaced, we'll keep, you know, making sure we do we do so. But this investment essentially provides a strong Australian ethical exposure and is intended to perform greater over the longer term based on past data and research materials. So that's still giving you some Australian exposure into the equity conscious area. We've also then got the iShares core, Missy World x Australian ESG investment, and this one here is giving you a bit more diversified international exposure.\n\nIt reduces reliance on the Australian market. It's obviously not encompassing any Australian shares. That's because we have the last one, the Vanguard, as it's a conscious Australian shares in there. This is just looking at globally to try and take advantage of global markets, and it's focused across the entire globe, not just a few different countries. Historically, this has provided greater kind of performance, and we sort of know sort of based on past data, international investments do perform much greater, So we do wanna keep that international exposure there for you.\n\nSo in your portfolio, we wanna hold about 25% of this investment there for you. Okay? Some other areas that we haven't taken advantage of in the past that that would be good to look at and are sort of providing some greater diversification is the beta shares electric vehicle and motor motor ability to drive only targeting about 4% of this investment because it is more of a somatic themed investment. It does provide a small allocation to a long term investment themed focus on changes in transport and technology, and it's an ethically driven one. So it's focused on ethical motor vehicles, mobility, and things like that for you.\n\nSo it's an area that didn't wasn't really in your portfolio before. Would like to see happen here. It is more of a same DTS. They're not holding a lot of it, and we do wanna obviously check on this down the track because there is a risk that it could have a bit of a downturn, then it is more of a same DTS. But it is an area that exposure has been looking good for and could have some really great growth down the track there, and it does look to be performing fairly well currently.\n\nOkay. We've also added in our food. So the beta shares a global agriculture. One of the areas that you didn't kinda have in the past was agriculture. This is not necessarily an ESG or an ethical investment as such, but it is focused around agriculture.\n\nSo it provides expose exposure into the global agriculture sector and provides greater diversification. You didn't really have a lot in the way of agriculture and farming in the past, but this is kinda adding that into it, And it has seen some really great growth over the past couple of years as well. So we wanted to add that in there. Again, it is more of a theme ETF, systematic ETF, so we're just holding about 4% of that. But it is opening up to some more diversification and adding exposure into other areas that your portfolio didn't have consistently in the past.\n\nOkay? Excellent. And then we've also just got the street I'm sorry. This is a bit of a tongue twisted one. The State Street S and P Emerging Markets Carbon Aware.\n\nSo this is essentially giving you exposure into some emerging markets across the globe. So it's more it's international as well, but it is looking at sort of small to medium cap investments and companies. So it's kind of also giving you a little bit more exposure into other areas that you didn't have previously, which is by no means a bad thing, adding some extra diversification to your portfolio. Again, we're only adding 4% of this. Emerging markets can have a little bit more risk to it, so we do wanna only wanna hold a small amount there, but this investment has been good growth, and it kind of builds into different areas where there might be opportunities opening up in that small to mid cap space across the globe as well.\n\nSo we've added this one in there for you at 4%, and then you just enter components at 20% in core composite bonds. They're giving you exposure to both government and corporate bonds. For income producing, these investments, the core composite bonds, there's no ESG rating around them. We did look at some ethical bond funds, but they're performing really poorly, and they're very volatile. So for defensive asset, they were very up and down and very risky, very underperforming as a whole.\n\nSo we decided to go with the more core composite on the ETF side of things. It has a greater track record, and you just sort of essentially, focusing on government and corporate funds there, essentially. We just wanna be able to create some income from these sorts of investments, which can be reinvested back into your portfolio to assist with the long term compounding effect there. Does that make sense? Do you have any questions so far?\n\nI know it's a lot when you're not looking at the document, and I'm so sorry about that. Yes. Yes. That was the one thing I did that you'd have to do. So these will all happen once you sign the document, we submit the we basically tell Hub twenty four this is what we wanna do, and we submit the investment changes.\n\nIt can take essentially between two to three weeks to complete the investment switch, but mostly they're all basically ETFs, so most of them can be completed very, very quickly. But as soon as you sign the document, we submit that request and have those changes submitted straight away. Because I know once KPMG approves that, it all has to happen fairly quickly, doesn't it? Yep. Yeah.\n\nSo we are keeping some of them. Like the SE, we're just selling off a portion of that. We're keeping about 9% of the portfolio. The cybersecurity, we're just rebalancing back. That's only a four a a partial sale.\n\nSorry. The FAIR, the Vanguard, that is being sold completely, and so would the World Australian Carbon Aware, that's all being sold off completely as well. But some of them will be kept in there. We're just rebalancing some of them as well. So yeah.\n\nDoes that answer your question? Yes. Yeah. Absolutely. So there's a table that shows you the buyers and the sales on page number 19 there.\n\nYou'll be able to sort of go through and see all of that nice and clear. There's also a fee comparison table. So one of the things that I did look at was whenever we are switching investments, there is a capital gains cost difference. Your fund just like you, your super fund does a tax return every year. Inside super, there are capital gains taxes, income taxes, and things like that.\n\nSo in order to complete the switch of the investment, with the research I've been able to conduct, essentially, your super fund is expected to pay capital gains tax of a $116. The newer investment portfolio has had a greater past return, so it's about increasing your growth asset allocation. When we kind of look at how investments have been performing, the newer portfolio has averaged about 7.42 on a yearly basis over the past five years. The new the older portfolio that you're in, when we were kinda looking at that as a whole in the totality side of things, it averaged about 6.11%. And that can be different within your fund initially, but the newer portfolio shows over the past that it's got a greater potential for greater gains in the future.\n\nAnd it's also a cheaper fund, so it's actually saving you an investment fee. It's estimated to save about a $187 for the year on investment fees. So it's also a cheaper portfolio to hold than your current portfolio is as well. Yeah. Yeah.\n\nCorrect. Correct. Look. It wasn't wasn't the best, but it's not that bad. When I sort of look at as a comparison, Australian Ethical Super, they've averaged over the five years.\n\nThey're reporting 5.8%. So, realistically, your past portfolio hasn't been performing terribly. It could definitely be doing better, and that's kind of what we wanna see when we are looking at investors and kind of looking at ways to build and grow them. We wanna look at the best possible past performance to give us a guide on how portfolios can, you know, grow and produce growth over the future. So the newer portfolio was cheaper.\n\nIt has had a greater past performance. That's what I would like to see in the future, but we do need to catch up in the next sort of three to four, even six months depending on your comfort level just to sort of see how that is tracking once the once that portfolio has been altered and changed to sort of make sure that it is on track because you are ethically invested. It does mean that some of these investments can perform worse. They some of these investments are more thematic, so they do have a little bit more risk that comes with them. The CNDCS, especially the ones around the, you know, the drive, that sort of area, They do have the tendency to drop depending on, you know, how vehicles are traveling or mobility side of things.\n\nSo we do wanna come back and review those. But looking at building the portfolio, this came out really good. I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible. So the overall portfolio does add greater diversification there for you. So that is one good thing that I did like about this portfolio.\n\nYeah. No. That's that's basically it. It's touching on the changes that we need to make. There are the pages in there do outline more around the advantages, disadvantages, the risks involved.\n\nI did go through some of them with you, but when you get some time, take take have yourself a cup of tea coffee, whatever you're comfortable with. Take some time to read through the advice document. If you find you do have additional questions, you're welcome to let me know there. I just had to touch some of the points that I needed to, albeit understanding that you're not looking at it. So sometimes it can come across like I'm talking at you.\n\nI do apologize. I had no attention of that. It's just making sure I touch on the things that I absolutely have to as part of the presentation of this, and then allowing you time to go back and take it in and read it, and albeit making sure that it's provided to KPMG so they can approve the portfolio. Or if they don't approve anything particular, letting you know, we can always go back and readjust this for you. Okay.\n\nYeah. So, realistically, having an ethical portfolio means that there is a difference to growth. Realistically, when you are invested ethically, you understand the markets are gonna be lower. Ethical investments have had great growth in the past. 2122 is probably more for the best growth.\n\nSince then, they have not been performing as well. So you're not realistically gonna get the kind of growth that most of our portfolios do obtain, but it's also gonna be with a comfort level for you. So you it's not saying you can't get growth. You can. Ethical portfolios do have a place in the market, and there's plenty of people who do wanna be, you know, ethical in their investment.\n\nSo I do not in any way, shape, or form think you're wasting your time. That is my honest opinion. This can work for you. I think what we might need to do down the track, though, is consider additional contributions to help boost that growth, Essentially, with what's going in, you're on a good income. You've got good employer contributions, but to maybe look at, you know, closing the gap between the growth of a non ethical portfolio, I do think additional contributions down the track could provide greater benefit to you.\n\nBut I think to start with making this change, having it sit there for a little bit, reevaluate it in the next sort of six to twelve months at least just to see how it is tracking and then kind of reevaluating it again. I do hope this portfolio works the way it should. I do not wanna really be making changes on a yearly basis because that provides no great benefit to you. But I think this is working really well. The old portfolio, you know, had some kinks in it.\n\nIt was also one of the first ethical portfolios that was kind of built, and there's been a lot of changes in the ethical space in the last couple of months there. But with what's been changing globally as well, we might actually see a bit more of a step where people head back towards that ethical side of things again. So there's always a lot of unknowns when it comes to investing as a whole. I am sort of in of the opinion that we just you try something. You look at something.\n\nYou look at the past data and go, cool. This has been working in the past. This is what I'm aiming for currently. This is where I think I should be, and then you just sort of focus and look at that and alter it as you need to down the track. So you it it don't ever think that being ethical is wrong and, you know, you're gonna be worse off because of it.\n\nThere's nothing to say you will be. It's just about closing the gap and understanding where you're at and investing in a space that's comfortable for you as well as getting long term sustainable growth. The other thing to sort of consider and the conversations I've had with a lot of people this year are around, you know, portfolios over the past that have, you know, fifteen, twenty percent growth, absolutely fabulous. There's no guarantees of that. In all honesty, to have a portfolio that shows you in the past, it's formed around about seven to 8% in that growth environment.\n\nIt's actually showing you that it's probably got more of a chance of he keeping that sustainable growth moving forward than a portfolio that's averaged a 17% return over the past. There's absolutely no way a portfolio can sustain 17% every year for the next five to ten years, whereas in that growth portfolio, you're more likely to try and obtain that sort of return. In the growth environment, you're still going to get a negative return, and we expect one sort of one in every five odd years. But as long as you're in a portfolio that gives you diversification, takes advantage in certain areas, and is tracking and giving you an average rate of return that can be compounded forward, you're gonna be okay. You're gonna do really well.\n\nAnd you're still young. You've got a lot of time ahead of you. You're compounding things at a lot longer than most people are. Most of my clients, unfortunately, are retiring with lower balances in super, you know, less than 500,000 because super wasn't a thing in the early days. It's more of a you know, we're at a higher contributions right now, which is also gonna provide a greater benefit to you.\n\nSo I'm uncomfortable with you not getting, you know, a 20% return every single every single year if the returns you're getting are sustainable if we're taking advantage of the lower years. But I wanted to make sure that your portfolio was ethical. It was in line with what you wanted to see and that we could update it. And it will have to be updated. Don't wanna do it every year for you because that doesn't benefit you, but it does have to be updated and changed whenever there does need to be changes in the market, whenever, you know, certain things might be under performing, whereas the market might not see that underperformance.\n\nSo, yeah, that's essentially my honest opinion for you. I hope that is okay. But, yeah, I like this portfolio. I really actually enjoyed building it. There's a lot of ethical investments out there.\n\nThere's a lot of a lot of things that you can invest in. It's just making sure that those investments have been around long enough to sustain the market ups and downs, and ethical investments as a whole haven't really been around for a really long time. So this portfolio is encompassing some ethical areas as well as some that are less ethical, but not sort of taking into account anything crazy. So we're looking at core confidence of funds and cybersecurity and also focusing on, like, agriculture. So while they don't have an ESD rating, they are still fairly ethical fairly ethically sound.\n\nSo you're not investing in anything that kinda goes really against what you're comfortable with, if that makes sense. Yeah. That's okay. Mhmm. Yes.\n\nYeah. Yeah. Yeah. Look, honestly, with the way the markets are at the moment, most growth portfolios are averaging around about nine to 10%. So you're not missing out on a great deal.\n\nNo one's really, you know, gonna get that 17 or 20%. The most sustainable, nonethical portfolios in that growth environment are are generally looking to obtain about that nine to 10%, and that's what is sort of sitting at the moment. So I wouldn't say you're missing out on a great deal of growth by being ethical. Yeah. Yeah.\n\nYeah. Definitely. Yeah. So we can look at making salary sacrifice contributions and adding to what you've got currently. We can look at updating advice to maybe take advantage of past cap base because we do have what's called carry forward contributions where if your balance is under a certain threshold, so it gets 500,000 as that 32 in the prior financial year, we can look to use previous years' cap space and make additional contributions to super by way of salary sacrifice.\n\nYou can also make them from your after tax income and do deductible contributions, which can give you a tax deduction at the end of the year and help to, you know, lower your overall taxable income. There's a few different ways that we can do it. It also comes down to your comfort level. So do you have much in the way of expendable income? Are you comfortable adding more money to super knowing that you can't access those funds currently until you meet that condition of release?\n\nBut, yeah, down the track, doing those benefits. Sorry. Yep. Okay. Yep.\n\nYes. Yep. Yeah. Of course. Mhmm.\n\nYeah. Yeah. You absolutely can. If you make them a non concessional contributions, you can do it by way of BPAY or EFT. I can send you the information.\n\nThat way, you're able to make those when you want. When it comes to cabs making non concessional contributions, which is your essentially ad hoc contributions from your bank account, they allow you to make up to a 130 for this financial year. So I'm assuming you're not gonna have a $130 to pop into suit for this year with all living expenses, but that essentially is the cap space there. And we can always if you do have some ad hoc contributions, we can always sort of talk about it in, you know, May, June, next year, look at what you've put in the super and whether you wanna claim that as a tax deduction or whether that would provide a benefit to you. So, yeah, I can send you that information after four if you like in the email so you've got that, what a nonconcessional is, what the cap phase is, and how you do that to make it easier on you.\n\nYes. Beautiful. Excellent. Yeah. No.\n\nNo. That's fine. So you'll just put the the contributions in on a rate however often you are comfortable with. And then the only way you would need to let your accountant know you're doing that is if you decide to claim them under a notice of intent, claim as a tax deductions. Say, as an example, if you put $10 into super and come the end of the financial year, you wanna claim that $10 as a tax deduction on your income on your income tax, we then submit a notice of intent to claim against those contributions inside super fund.\n\nI have 24 deduct 15% tax and pay that to the ATO, and then that $10, you can take back to your account at the end of the financial year and go, hey. I've claimed I put $10 to super. I wanna claim that $10 as a tax deduction. Free component. So your taxable free component.\n\nSo your taxable consists of everything where tax is being deducted inside super. So, like, your employer contribution, salary sacrifice, or deductible contribution. If you're just moving money into the super fund out of your bank account, it's called nonconcessional. So it goes in a 100% invested. There's no tax deducted out of that money, and it goes into your tax free component of that of the super fund there.\n\nYep. Yep. That's fine. I also break down, if that's okay, I can also break down that information that we've gone through into the email for you. You've got that as clarification as well to make it easier.\n\nThat's okay. That's yeah. Yep. Yep. Yep.\n\nYep. The other thing I wanted to sort of talk to you about was your that new insurance that you have through host plus with your employer. I'd love to look at that in a bit more detail and find out what happens with those insurances if you do quit KPMG because that gives you a good amount of life and PPD. Are you comfortable if my team touch base and have a authority to collect signed? It allows us to put that on the host plus account, and we can do research.\n\nSo we can ask questions about it. We can get the product disclosure status for it, and we can find out about the funds going in, how that's being paid for, whether that's considered a contribution to you, what happens with the policy if you leave the leave your employer, how that then gets paid, or how that then can be retained. Are you comfortable if we do that additional research for you? Yep. Beautiful.\n\nJust wanna make sure I understand that policy as much as possible. That way, if you have any questions, at least we can help you to understand it as well. Because if you do resign and that policy gets canceled, then it's about looking for additional cover. But there could be a period time where you don't have any cover, and that would've been that risk to you. So I'll get my team to do up that third party authority and send it through to you to be signed.\n\nI'll just also check your ID on file is update because that has to be provided with the documents, and we can have that applied and do the research there for you. And then I can always be in touch to give you some information, talk to you about it, and let you know what the outcome of that research is. Okay. All good. Beautiful.\n\nExcellent. Is there anything question wise that might come up that you need me to answer or help you with? Or No. That's okay. Absolutely.\n\nAbsolutely. No. Look. You've gotta have dreams in life. Life is, know, we go to work.\n\nThe only wasn't I said the only thing that seems that mentally, the only thing a constant in life is death and taxes. So you've gotta have dreams. And if winning Lotto is one of those dreams, you dream away. No. Understandable.\n\nUh-huh. Yeah. Yeah. I don't do anything. But I don't understand when it comes to overseas markets and yeah.\n\nThe the rule around the lot of overseas are really bizarre. All good. But, look, honestly, thank you so much for your time. Take some time to read through the document. We outline everything I've completed there for you.\n\nThere's no additional implementation fees for the advisers. All part of you being an ongoing client and paying the ongoing service fee there. If you find you do have any questions, let me know. I'll do up a bit of an email shortly for you so you've got that there with my email address, and you're welcome to let me know if any questions come up from the document. Or if KPMC come back saying that there's something that you can't can't invest in, we can go back and alter it.\n\nOkay. Yeah. Yep. That's not a problem at all. All good.\n\nThank you so much for your time. I hope you have a good afternoon, and I hope you have a good weekend ahead. We're nearly there. Thanks, Anthony. I'll talk to you soon.\n\nEnjoy the rest of your day. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Anthony.","start":3.52,"end":4.24,"sentiment":"neutral","sentiment_score":0.13224002346396446},{"text":"This is Dana from OC Financial.","start":4.24,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1552193984389305},{"text":"How are you this morning or this afternoon?","start":6.08,"end":8.02,"sentiment":"neutral","sentiment_score":0.19540172442793846},{"text":"Understandable.","start":13.2,"end":13.7,"sentiment":"neutral","sentiment_score":0.08415036648511887},{"text":"I had you booked in just to go through your updated statement of advice now.","start":15.425,"end":19.185,"sentiment":"neutral","sentiment_score":0.14379577388366063}],"sentiment":"neutral","sentiment_score":0.15625303774140775,"num_words":32,"start":3.52,"end":19.185},{"sentences":[{"text":"Is now still a good time there for you?","start":19.185,"end":21.125,"sentiment":"neutral","sentiment_score":0.2769453078508377},{"text":"Yep.","start":22.865,"end":23.265,"sentiment":"neutral","sentiment_score":0.2840222716331482},{"text":"Fantastic.","start":23.265,"end":23.765,"sentiment":"positive","sentiment_score":0.6268571615219116},{"text":"Do you have access to your emails there at the moment?","start":24.065,"end":26.385,"sentiment":"neutral","sentiment_score":0.20422904735261743},{"text":"I normally just send the documents through to you via email so we can kinda go through it together.","start":26.385,"end":30.86,"sentiment":"neutral","sentiment_score":0.1749767915982949}],"sentiment":"neutral","sentiment_score":0.2188894089038779,"num_words":41,"start":19.185,"end":30.86},{"sentences":[{"text":"If you don't that's okay.","start":33.8,"end":35.56,"sentiment":"neutral","sentiment_score":0.1035476952791214},{"text":"If you don't, I can just go through the recommendations, and then you're welcome to read it later.","start":35.56,"end":41.02,"sentiment":"neutral","sentiment_score":0.22651338701446852},{"text":"It's up to you.","start":41.239998,"end":42.165,"sentiment":"neutral","sentiment_score":0.20195936039090157},{"text":"Yes.","start":54.165,"end":54.665,"sentiment":"neutral","sentiment_score":0.17443126440048218},{"text":"Yeah.","start":54.805,"end":55.125,"sentiment":"neutral","sentiment_score":0.24862590432167053}],"sentiment":"neutral","sentiment_score":0.200892208722131,"num_words":29,"start":33.8,"end":55.125},{"sentences":[{"text":"That's absolutely fine.","start":55.125,"end":56.165,"sentiment":"positive","sentiment_score":0.3787843883037567},{"text":"Not a problem at all.","start":56.165,"end":57.705,"sentiment":"positive","sentiment_score":0.37180530428886416},{"text":"I will send it through now to you so it's in your email so when you get a chance to have a look at it later on.","start":58.050003,"end":62.79,"sentiment":"neutral","sentiment_score":0.3296889574439437},{"text":"Any questions that you do have, please let me know.","start":63.09,"end":65.67,"sentiment":"neutral","sentiment_score":0.1781228467822075},{"text":"What I'd probably ask, if you can, you can reply back to the OdooSign email, but you've got my direct email there as well because I've emailed you in the past.","start":65.89,"end":75.455,"sentiment":"neutral","sentiment_score":0.03805734818020175}],"sentiment":"neutral","sentiment_score":0.1954998394572421,"num_words":76,"start":55.125,"end":75.455},{"sentences":[{"text":"Do you still have that at all?","start":75.455,"end":76.995,"sentiment":"neutral","sentiment_score":0.010321376046964101},{"text":"Yeah.","start":79.855,"end":80.255005,"sentiment":"neutral","sentiment_score":0.04495955631136894},{"text":"If not, after the call, I'll send you another email so it's there.","start":80.255005,"end":83.69,"sentiment":"neutral","sentiment_score":0.016252962585825186},{"text":"It's just when you reply back to OdooSign, sometimes that doesn't come to me directly.","start":83.69,"end":89.15,"sentiment":"neutral","sentiment_score":0.008782199025154114},{"text":"So it means I can't reply to the email directly.","start":89.21,"end":92.11,"sentiment":"neutral","sentiment_score":-0.011736425245180726}],"sentiment":"neutral","sentiment_score":0.007453618156116294,"num_words":46,"start":75.455,"end":92.11},{"sentences":[{"text":"If you have any questions, pop them in an email to me directly, and that way I can answer them and email you back just to make it easier just so that we eliminate the risk of it not coming direct to me.","start":92.810005,"end":103.535,"sentiment":"neutral","sentiment_score":0.09766588204128798},{"text":"Okay?","start":104.155,"end":104.655,"sentiment":"neutral","sentiment_score":0.11445319652557372},{"text":"Yeah.","start":105.275,"end":105.595,"sentiment":"neutral","sentiment_score":0.2433153539896011},{"text":"Beautiful.","start":105.595,"end":106.095,"sentiment":"positive","sentiment_score":0.5414208173751831},{"text":"I'll send you an email afterwards just to say, hey.","start":106.315,"end":108.955,"sentiment":"neutral","sentiment_score":0.3125439539551735}],"sentiment":"neutral","sentiment_score":0.14686181848602636,"num_words":56,"start":92.810005,"end":108.955},{"sentences":[{"text":"Here's my email address.","start":108.955,"end":109.995,"sentiment":"neutral","sentiment_score":0.2215253934264183},{"text":"Keep this set aside somewhere.","start":109.995,"end":111.275,"sentiment":"neutral","sentiment_score":0.24552771151065828},{"text":"That way, you can always email me back and forth just to make it easier on you.","start":111.275,"end":114.9,"sentiment":"neutral","sentiment_score":0.27493521045236025},{"text":"Okay?","start":114.9,"end":115.4,"sentiment":"neutral","sentiment_score":0.1520625352859497},{"text":"Excellent.","start":116.9,"end":117.4,"sentiment":"neutral","sentiment_score":0.11698518693447112}],"sentiment":"neutral","sentiment_score":0.2520245153989111,"num_words":28,"start":108.955,"end":117.4},{"sentences":[{"text":"So with this advice piece, just to sort of hit the target points that I have to hit on, on the front page, it does have my license number for you.","start":117.54,"end":126.58,"sentiment":"neutral","sentiment_score":0.13289127907445353},{"text":"My license number registered with ASIC is 1304394.","start":126.58,"end":131.355,"sentiment":"neutral","sentiment_score":0.054572043009102345},{"text":"The main sort of areas with this advice is looking at the superannuation side of things.","start":131.815,"end":135.89499,"sentiment":"neutral","sentiment_score":0.0521927853114903},{"text":"So you're more ethically invested.","start":135.89499,"end":137.75499,"sentiment":"neutral","sentiment_score":0.23219749927520753},{"text":"That's where your interest lie, which is absolutely fine, but we had obviously noted that ethical investors haven't been performing very well.","start":137.815,"end":145.49,"sentiment":"neutral","sentiment_score":-0.07843467593193054}],"sentiment":"neutral","sentiment_score":0.05886238031997913,"num_words":82,"start":117.54,"end":145.49},{"sentences":[{"text":"Some of it is because of the markets as a whole.","start":145.87001,"end":148.67,"sentiment":"neutral","sentiment_score":-0.15569834207946603},{"text":"Others is that some ethical investors aren't performing greater.","start":148.67,"end":151.87001,"sentiment":"neutral","sentiment_score":-0.29892416215605205},{"text":"So you asked me to go back and have a really good look around the market to see if there's any additional areas that we're maybe not touching on with regard to the portfolio and to see if there's some, you know, other areas ethically that we could move into.","start":151.87001,"end":166.245,"sentiment":"neutral","sentiment_score":0.09792144633829594},{"text":"We did do that.","start":166.625,"end":167.61,"sentiment":"neutral","sentiment_score":0.16665713489055634},{"text":"It took a little bit to get the investment portfolio built up.","start":168.09,"end":171.13,"sentiment":"neutral","sentiment_score":-0.03895229380577803}],"sentiment":"neutral","sentiment_score":0.008049698936384778,"num_words":86,"start":145.87001,"end":171.13},{"sentences":[{"text":"I'm not gonna lie.","start":171.13,"end":172.09,"sentiment":"neutral","sentiment_score":-0.07704314589500427},{"text":"There's a lot of it ethical investments that we could sort of utilize.","start":172.09,"end":175.47,"sentiment":"neutral","sentiment_score":-0.06983034083476433},{"text":"There's a lot that are performing really poorly at the moment.","start":175.93,"end":179.55,"sentiment":"negative","sentiment_score":-0.5374261736869812},{"text":"Twenty twenty one, twenty two was kind of a height for this sort of area, and since then, a lot of a lot of investments aren't performing very well.","start":179.93,"end":187.845,"sentiment":"negative","sentiment_score":-0.34843168176453687},{"text":"So I went back, and we've kind of built a portfolio.","start":187.845,"end":190.745,"sentiment":"neutral","sentiment_score":0.09224528074264526}],"sentiment":"neutral","sentiment_score":-0.23849228835281203,"num_words":68,"start":171.13,"end":190.745},{"sentences":[{"text":"This did have to go through my life and see because this portfolio has been built solely for you.","start":190.965,"end":196.105,"sentiment":"neutral","sentiment_score":0.17251310340668025},{"text":"They had to approve this portfolio prior to us making the recommendation to make sure they were happy with the portfolio and making sure it's in the line with everything we had in our investment committee's investments aligned, essentially.","start":196.59999,"end":209.73999,"sentiment":"neutral","sentiment_score":0.16860612844809508},{"text":"So this is solely being built for yourself.","start":210.04,"end":211.935,"sentiment":"neutral","sentiment_score":0.304596608504653},{"text":"So have a look through it when you do.","start":211.935,"end":213.535,"sentiment":"neutral","sentiment_score":0.2827495336532593},{"text":"If you have any questions, come back and let me know there.","start":213.535,"end":216.275,"sentiment":"neutral","sentiment_score":0.1426444152990977}],"sentiment":"neutral","sentiment_score":0.19019126010009613,"num_words":87,"start":190.965,"end":216.275},{"sentences":[{"text":"With the portfolio as a whole sorry.","start":217.375,"end":220.495,"sentiment":"neutral","sentiment_score":0.03401997206466539},{"text":"I'm just moving down to the correct page there for you.","start":220.495,"end":223.235,"sentiment":"neutral","sentiment_score":0.08611637252298268},{"text":"Essentially, what we're gonna do with the portfolio is we're gonna start by essentially just reducing exposure into the BetaShares global sustainable leaders.","start":224.015,"end":234.97,"sentiment":"neutral","sentiment_score":0.23228421278864794},{"text":"That is a good investment, has been working really well in your portfolio there, but I am sort of branching out into other areas, so we did need to reduce the exposure here a little bit for you.","start":235.27,"end":244.485,"sentiment":"neutral","sentiment_score":0.2902506496757269},{"text":"So we're moving you back from 24.46% to about 9%, so it does mean selling off a little bit of portfolio.","start":245.105,"end":251.525,"sentiment":"neutral","sentiment_score":0.10645326652697154}],"sentiment":"neutral","sentiment_score":0.19793000081088394,"num_words":100,"start":217.375,"end":251.525},{"sentences":[{"text":"The beta shares Australian sustainable leaders investment, so fair, that hasn't been performing very, very well.","start":252.945,"end":259.32,"sentiment":"neutral","sentiment_score":0.07491299766115844},{"text":"So I look to replace that with another diversified Australian ethical investment, and I'll be removing that completely from your portfolio.","start":259.32,"end":267.02,"sentiment":"neutral","sentiment_score":-0.011139199315082459},{"text":"You originally had requested the beta share cybersecurity, so it has to be added to your portfolio.","start":268.225,"end":274.485,"sentiment":"neutral","sentiment_score":-0.01009707766420701},{"text":"That was added through a transaction without advice.","start":275.585,"end":278.88498,"sentiment":"neutral","sentiment_score":-0.035351583268493414},{"text":"Having a look at it, Hack is not a bad investment.","start":279.585,"end":282.085,"sentiment":"neutral","sentiment_score":0.08924586088819937}],"sentiment":"neutral","sentiment_score":0.02043734603140452,"num_words":73,"start":252.945,"end":282.085},{"sentences":[{"text":"There's no ethical sustainability.","start":282.19998,"end":284.86,"sentiment":"neutral","sentiment_score":-0.05712305195629597},{"text":"It's not it's not an ethical investment in any way, but it's something that you wanted to have in your portfolio previously.","start":285.0,"end":290.38,"sentiment":"neutral","sentiment_score":0.08342227331277999},{"text":"So I have looked to keep that there for you.","start":290.6,"end":293.34,"sentiment":"neutral","sentiment_score":0.19770417660474776},{"text":"It is giving you exposure to a specific long term growth cybersecurity market, and there are is a lot more growth to be have within that market there at the moment.","start":293.72,"end":303.905,"sentiment":"neutral","sentiment_score":0.1578824878219635},{"text":"Essentially, your portfolio is a little bit overweighted.","start":304.285,"end":307.345,"sentiment":"neutral","sentiment_score":-0.07183118304237723}],"sentiment":"neutral","sentiment_score":0.10538062972327074,"num_words":75,"start":282.19998,"end":307.345},{"sentences":[{"text":"I wanna hold about 4% in there for you just to give you a bit of a weighting.","start":307.565,"end":311.645,"sentiment":"neutral","sentiment_score":0.0050903081945661045},{"text":"It is a somatic sort of ETF investment.","start":311.645,"end":313.87,"sentiment":"neutral","sentiment_score":0.024126520846039057},{"text":"You've got about 5.52% there at the moment, so we're just gonna kinda rebalance that back a little bit.","start":314.16998,"end":319.87,"sentiment":"neutral","sentiment_score":-0.004507655522933132},{"text":"But I am recommending that we do hold that as part of the portfolio now and moving forward there for you.","start":319.93,"end":326.19,"sentiment":"neutral","sentiment_score":0.309342778864361},{"text":"With the Australian Vanguard fixed interest index, it hasn't really been performing very well, so we are looking to move that down.","start":327.795,"end":335.015,"sentiment":"neutral","sentiment_score":-0.2403306243094531}],"sentiment":"neutral","sentiment_score":0.015999055462254382,"num_words":88,"start":307.565,"end":335.015},{"sentences":[{"text":"When we sort of look at the five year rolling average on this investment, it's down pretty heavily.","start":335.475,"end":339.815,"sentiment":"neutral","sentiment_score":-0.26398493929041755},{"text":"The five years at the moment, it's showing about 11.21% down over the five years.","start":340.09998,"end":344.84,"sentiment":"neutral","sentiment_score":-0.18447938164075214},{"text":"Just kind of wanted to move that out and put something in its place that's a little bit performing better and, yeah, looking at other areas there for you as well.","start":345.3,"end":354.5,"sentiment":"neutral","sentiment_score":0.12533320931176986},{"text":"So given the long term investment time horizon and your growth risk profile, we've decided to remove this wholly and look at more positive growth areas for you and keeping still keeping some defensive investments in there.","start":354.5,"end":367.465,"sentiment":"neutral","sentiment_score":0.22737005312700528},{"text":"We're looking at some other areas for this one here.","start":367.465,"end":370.045,"sentiment":"neutral","sentiment_score":0.16670105829834939}],"sentiment":"neutral","sentiment_score":0.05807308473431312,"num_words":111,"start":335.475,"end":370.045},{"sentences":[{"text":"With the Vanguard you're right.","start":371.02002,"end":373.1,"sentiment":"neutral","sentiment_score":0.05230553150177002},{"text":"So sorry.","start":373.1,"end":373.58002,"sentiment":"neutral","sentiment_score":-0.030433528125286102},{"text":"Did you wanna ask the question?","start":373.58002,"end":374.80002,"sentiment":"neutral","sentiment_score":-0.033997448782126106},{"text":"It fixed yeah.","start":381.58002,"end":382.62,"sentiment":"neutral","sentiment_score":-0.10625067849953969},{"text":"Fixed interest has taken a bit of a hit.","start":382.62,"end":384.86002,"sentiment":"neutral","sentiment_score":-0.25881820917129517}],"sentiment":"neutral","sentiment_score":-0.10605760037899017,"num_words":25,"start":371.02002,"end":384.86002},{"sentences":[{"text":"Bonds and fixed interest markets are affected by inflationary pressures essentially within us the Australian market.","start":384.86002,"end":394.535,"sentiment":"neutral","sentiment_score":-0.26428630482405424},{"text":"We have seen quite a bit of inflationary pressures, and, also, they're just not doing so well at the moment.","start":394.535,"end":400.53,"sentiment":"neutral","sentiment_score":-0.28555540889501574},{"text":"So when we kind of look at how this investment has been performing over the past sort of one to two years, it's had its ups and downs.","start":400.53,"end":407.17,"sentiment":"neutral","sentiment_score":-0.14501439513904707},{"text":"It's not being too bad, but, realistically, it's kind of holding your portfolio back.","start":407.17,"end":412.45,"sentiment":"neutral","sentiment_score":-0.32070077104227884},{"text":"So it's best to kind of remove that and find other areas to be able to move and hold some defensive investments, essentially.","start":412.45,"end":419.97498,"sentiment":"neutral","sentiment_score":-0.1393953629809877}],"sentiment":"neutral","sentiment_score":-0.21481184417953586,"num_words":101,"start":384.86002,"end":419.97498},{"sentences":[{"text":"So as a whole, looking at the five years, it's down over the course of the five years all up, so it's better just to kind of look at removing that and try to find some other areas for you to invest in essentially.","start":420.19498,"end":432.41998,"sentiment":"neutral","sentiment_score":-0.1563823101195422},{"text":"Yeah.","start":443.28,"end":443.685,"sentiment":"neutral","sentiment_score":-0.04568439722061157},{"text":"Yeah.","start":448.085,"end":448.485,"sentiment":"neutral","sentiment_score":0.029625460505485535},{"text":"Absolutely.","start":448.485,"end":448.985,"sentiment":"neutral","sentiment_score":0.07050590962171555},{"text":"Yeah.","start":449.365,"end":449.685,"sentiment":"neutral","sentiment_score":0.0334576815366745}],"sentiment":"neutral","sentiment_score":-0.1415191039753457,"num_words":48,"start":420.19498,"end":449.685},{"sentences":[{"text":"No.","start":449.685,"end":449.845,"sentiment":"neutral","sentiment_score":0.0236576609313488},{"text":"Definitely.","start":449.845,"end":450.345,"sentiment":"neutral","sentiment_score":0.08309367299079895},{"text":"Definitely.","start":451.285,"end":451.785,"sentiment":"neutral","sentiment_score":0.16452109813690186},{"text":"We did go back and sort of reweight this against, you know, the other areas there, and we do feel that moving this investment is a good move for the moment.","start":451.925,"end":460.34003,"sentiment":"positive","sentiment_score":0.33661907382549777},{"text":"You're still gonna hold some defensive investments within your portfolio.","start":460.40002,"end":463.86002,"sentiment":"neutral","sentiment_score":0.30461828261613844}],"sentiment":"neutral","sentiment_score":0.312560148791156,"num_words":44,"start":449.685,"end":463.86002},{"sentences":[{"text":"Essentially, instead of having just the Vanguard fixed interest, we're actually gonna have in there the core composite bond.","start":464.56003,"end":471.46002,"sentiment":"neutral","sentiment_score":0.18312208981890427},{"text":"So this investment is giving you exposure to government and corporate and subcorporate bonds.","start":471.52002,"end":476.63498,"sentiment":"neutral","sentiment_score":0.28652295789548327},{"text":"Bonds are good defensively.","start":477.175,"end":478.63498,"sentiment":"positive","sentiment_score":0.4060685485601425},{"text":"They tend to pay income, income which is paid in your cash account and reinvested back.","start":478.85498,"end":484.215,"sentiment":"neutral","sentiment_score":0.1433048746548593},{"text":"So we are replacing the Vanguard fixed interest investments with defensive investments.","start":484.215,"end":488.875,"sentiment":"neutral","sentiment_score":0.20443538328011832}],"sentiment":"neutral","sentiment_score":0.21324642931039517,"num_words":65,"start":464.56003,"end":488.875},{"sentences":[{"text":"It's just that we're changing the nature of those investment side of things.","start":489.28998,"end":492.75,"sentiment":"neutral","sentiment_score":0.22963801484841567},{"text":"And at the moment with your waiting, when I kinda went back and looked at it, you're more of a growth investment profile, which is at eighty twenty kind of split.","start":493.21,"end":500.99,"sentiment":"neutral","sentiment_score":0.1498770778698306},{"text":"You're actually more in a balanced growth environment.","start":501.70502,"end":503.885,"sentiment":"neutral","sentiment_score":0.26710404455661774},{"text":"So, overall, your entire portfolio is slightly underweighted for where your risk profile is.","start":503.945,"end":508.745,"sentiment":"neutral","sentiment_score":-0.06930942194802421},{"text":"So this is kind of bringing you back up a little bit, if that makes sense, and increasing your growth exposure into the market.","start":508.745,"end":515.245,"sentiment":"positive","sentiment_score":0.42245452230175334}],"sentiment":"neutral","sentiment_score":0.2104099176824093,"num_words":90,"start":489.28998,"end":515.245},{"sentences":[{"text":"All good.","start":518.46,"end":519.02,"sentiment":"positive","sentiment_score":0.4228305071592331},{"text":"Sorry.","start":519.02,"end":519.26,"sentiment":"neutral","sentiment_score":-0.08265860378742218},{"text":"If I lose my voice, I do apologize.","start":519.26,"end":521.04,"sentiment":"neutral","sentiment_score":-0.3168909288942814},{"text":"The next sort of target that we're looking at is the Vanguard diversified conservative index.","start":523.34,"end":528.62,"sentiment":"neutral","sentiment_score":-0.020489625384410223},{"text":"So, again, you are a bit underweighted as I mentioned before.","start":528.62,"end":531.68,"sentiment":"neutral","sentiment_score":-0.18683205477216028}],"sentiment":"neutral","sentiment_score":-0.11174654064548982,"num_words":37,"start":518.46,"end":531.68},{"sentences":[{"text":"Your portfolio is more weighted towards the 70% of growth assets.","start":531.965,"end":535.745,"sentiment":"neutral","sentiment_score":-0.18929789079861206},{"text":"So I'm looking to remove this because we are bringing out more of those growth investments and trying to kind of bring you back to a more of a risk profile waiting that's right for your portfolio.","start":536.525,"end":546.145,"sentiment":"neutral","sentiment_score":-0.01980323767339861},{"text":"So we are looking to diversify into other growth areas to try and promote that growth side of things a little bit.","start":546.77997,"end":552.95996,"sentiment":"neutral","sentiment_score":0.28942362557757983},{"text":"So we are looking to remove the Vanguard diversified conservative index investment out of there as well.","start":553.42,"end":559.19995,"sentiment":"neutral","sentiment_score":0.014318626374006271},{"text":"We're going to also you have the the FTDR S and P World x Carbon Aware investment.","start":560.315,"end":570.015,"sentiment":"neutral","sentiment_score":0.14920065201380672}],"sentiment":"neutral","sentiment_score":0.06088606637114516,"num_words":104,"start":531.965,"end":570.015},{"sentences":[{"text":"That one also is down a little bit as well, so we are looking to remove that solely from the portfolio.","start":570.715,"end":576.26,"sentiment":"neutral","sentiment_score":0.03232608717821893},{"text":"We are replacing that with an exposure into other ethical and EFC focused international investments to provide greater diversification for you as well because, obviously, we wanna have more growth assets and kind of rewrite your portfolio.","start":576.80005,"end":589.94,"sentiment":"neutral","sentiment_score":0.3256218223958402},{"text":"We also wanna make sure we're diversified across the market, across the world, and across as many industries as possible.","start":590.08,"end":596.09503,"sentiment":"positive","sentiment_score":0.40602226108312606},{"text":"That way, we're helping to overall reduce the risk or the market risk of your portfolio as much as physically possible.","start":596.315,"end":602.97504,"sentiment":"positive","sentiment_score":0.4363843273548853},{"text":"You've got the we're also putting in there so we are taking out the the fair, the beta shares Australian sustainable leaders, which is the Australian exposure there, and we're replacing that with the Vanguard equity conscious Australian shares.","start":605.00995,"end":620.73505,"sentiment":"neutral","sentiment_score":0.0653985559176176}],"sentiment":"neutral","sentiment_score":0.23595590606007888,"num_words":138,"start":570.715,"end":620.73505},{"sentences":[{"text":"We wanna hold about 30% of this investment within the portfolio, so we'll be buying into that one.","start":620.73505,"end":626.67505,"sentiment":"neutral","sentiment_score":0.15029240689343876},{"text":"This one here invests in Australian companies that meet the ethical and responsible investment criteria.","start":626.97504,"end":632.0,"sentiment":"neutral","sentiment_score":0.21295803487300874},{"text":"It focuses around the largest the large cap kind of space within that ethical environment.","start":632.7,"end":638.4,"sentiment":"neutral","sentiment_score":0.1989618122577667},{"text":"And when we sort of look at how Australian ethical investments have performed, This one has shown greater past performance than the fair.","start":639.10004,"end":647.40497,"sentiment":"neutral","sentiment_score":0.15243509849128517},{"text":"It is up at the moment and doing much better, so we feel like replacing that is a really good move for you.","start":647.40497,"end":653.505,"sentiment":"positive","sentiment_score":0.5550615955954012}],"sentiment":"neutral","sentiment_score":0.2676221807982693,"num_words":94,"start":620.73505,"end":653.505},{"sentences":[{"text":"It obviously is still something we do wanna monitor moving forward, and I do wanna do a bit of a catch up down the track to make sure that these are working.","start":654.045,"end":662.56,"sentiment":"neutral","sentiment_score":0.19284964934922755},{"text":"If any of these need to be replaced, we'll keep, you know, making sure we do we do so.","start":662.86,"end":668.0,"sentiment":"neutral","sentiment_score":0.08871329124820859},{"text":"But this investment essentially provides a strong Australian ethical exposure and is intended to perform greater over the longer term based on past data and research materials.","start":668.14,"end":680.06494,"sentiment":"positive","sentiment_score":0.34716053031108995},{"text":"So that's still giving you some Australian exposure into the equity conscious area.","start":680.125,"end":684.625,"sentiment":"positive","sentiment_score":0.3560212277449094},{"text":"We've also then got the iShares core, Missy World x Australian ESG investment, and this one here is giving you a bit more diversified international exposure.","start":685.56,"end":696.7,"sentiment":"neutral","sentiment_score":0.2314623290529618}],"sentiment":"neutral","sentiment_score":0.2382595910030043,"num_words":117,"start":654.045,"end":696.7},{"sentences":[{"text":"It reduces reliance on the Australian market.","start":697.32,"end":699.9,"sentiment":"neutral","sentiment_score":0.19379340325083053},{"text":"It's obviously not encompassing any Australian shares.","start":700.175,"end":704.355,"sentiment":"neutral","sentiment_score":0.008325417659112386},{"text":"That's because we have the last one, the Vanguard, as it's a conscious Australian shares in there.","start":704.415,"end":709.31494,"sentiment":"neutral","sentiment_score":0.12069735851357966},{"text":"This is just looking at globally to try and take advantage of global markets, and it's focused across the entire globe, not just a few different countries.","start":709.375,"end":717.58997,"sentiment":"neutral","sentiment_score":0.16637062322762278},{"text":"Historically, this has provided greater kind of performance, and we sort of know sort of based on past data, international investments do perform much greater, So we do wanna keep that international exposure there for you.","start":718.29,"end":730.925,"sentiment":"neutral","sentiment_score":0.24273554235696793}],"sentiment":"neutral","sentiment_score":0.17762950205422462,"num_words":94,"start":697.32,"end":730.925},{"sentences":[{"text":"So in your portfolio, we wanna hold about 25% of this investment there for you.","start":730.925,"end":736.285,"sentiment":"neutral","sentiment_score":0.2517628808816274},{"text":"Okay?","start":736.285,"end":736.785,"sentiment":"neutral","sentiment_score":0.1544167846441269},{"text":"Some other areas that we haven't taken advantage of in the past that that would be good to look at and are sort of providing some greater diversification is the beta shares electric vehicle and motor motor ability to drive only targeting about 4% of this investment because it is more of a somatic themed investment.","start":738.365,"end":756.61,"sentiment":"neutral","sentiment_score":0.1671482031898839},{"text":"It does provide a small allocation to a long term investment themed focus on changes in transport and technology, and it's an ethically driven one.","start":757.245,"end":765.885,"sentiment":"positive","sentiment_score":0.4054221308231354},{"text":"So it's focused on ethical motor vehicles, mobility, and things like that for you.","start":765.885,"end":770.925,"sentiment":"positive","sentiment_score":0.4100388139486313}],"sentiment":"neutral","sentiment_score":0.26276807245370504,"num_words":111,"start":730.925,"end":770.925},{"sentences":[{"text":"So it's an area that didn't wasn't really in your portfolio before.","start":770.925,"end":774.8,"sentiment":"neutral","sentiment_score":0.08770082013991971},{"text":"Would like to see happen here.","start":774.8,"end":776.24,"sentiment":"neutral","sentiment_score":0.15207315484682718},{"text":"It is more of a same DTS.","start":776.24,"end":777.51996,"sentiment":"neutral","sentiment_score":0.044862027413078716},{"text":"They're not holding a lot of it, and we do wanna obviously check on this down the track because there is a risk that it could have a bit of a downturn, then it is more of a same DTS.","start":777.51996,"end":788.015,"sentiment":"neutral","sentiment_score":-0.06926738652400673},{"text":"But it is an area that exposure has been looking good for and could have some really great growth down the track there, and it does look to be performing fairly well currently.","start":788.155,"end":798.015,"sentiment":"positive","sentiment_score":0.44405436154567834}],"sentiment":"neutral","sentiment_score":0.14451001461937416,"num_words":98,"start":770.925,"end":798.015},{"sentences":[{"text":"Okay.","start":798.47504,"end":798.97504,"sentiment":"neutral","sentiment_score":0.11566861718893053},{"text":"We've also added in our food.","start":800.95996,"end":803.19995,"sentiment":"neutral","sentiment_score":0.12900693466265997},{"text":"So the beta shares a global agriculture.","start":803.19995,"end":806.01996,"sentiment":"neutral","sentiment_score":0.16125716056142533},{"text":"One of the areas that you didn't kinda have in the past was agriculture.","start":806.95996,"end":810.66,"sentiment":"neutral","sentiment_score":0.11317454118813787},{"text":"This is not necessarily an ESG or an ethical investment as such, but it is focused around agriculture.","start":810.95996,"end":817.355,"sentiment":"neutral","sentiment_score":0.1142579929696189}],"sentiment":"neutral","sentiment_score":0.12303473476482474,"num_words":46,"start":798.47504,"end":817.355},{"sentences":[{"text":"So it provides expose exposure into the global agriculture sector and provides greater diversification.","start":817.415,"end":823.995,"sentiment":"neutral","sentiment_score":0.27874948190791266},{"text":"You didn't really have a lot in the way of agriculture and farming in the past, but this is kinda adding that into it, And it has seen some really great growth over the past couple of years as well.","start":824.455,"end":833.64,"sentiment":"positive","sentiment_score":0.35338149927556517},{"text":"So we wanted to add that in there.","start":833.64,"end":835.58,"sentiment":"positive","sentiment_score":0.363932091742754},{"text":"Again, it is more of a theme ETF, systematic ETF, so we're just holding about 4% of that.","start":835.88,"end":841.42,"sentiment":"neutral","sentiment_score":0.27036064945989186},{"text":"But it is opening up to some more diversification and adding exposure into other areas that your portfolio didn't have consistently in the past.","start":841.48,"end":849.54504,"sentiment":"neutral","sentiment_score":0.29873503372073174}],"sentiment":"neutral","sentiment_score":0.3171667495312599,"num_words":104,"start":817.415,"end":849.54504},{"sentences":[{"text":"Okay?","start":850.005,"end":850.505,"sentiment":"neutral","sentiment_score":0.1296699345111847},{"text":"Excellent.","start":852.085,"end":852.585,"sentiment":"positive","sentiment_score":0.3869858980178833},{"text":"And then we've also just got the street I'm sorry.","start":853.125,"end":856.965,"sentiment":"neutral","sentiment_score":0.08154680486768484},{"text":"This is a bit of a tongue twisted one.","start":856.965,"end":859.11,"sentiment":"neutral","sentiment_score":-0.014621915088759528},{"text":"The State Street S and P Emerging Markets Carbon Aware.","start":859.51,"end":864.31,"sentiment":"neutral","sentiment_score":0.09200861640274524}],"sentiment":"neutral","sentiment_score":0.06840686482046882,"num_words":31,"start":850.005,"end":864.31},{"sentences":[{"text":"So this is essentially giving you exposure into some emerging markets across the globe.","start":864.31,"end":870.95,"sentiment":"neutral","sentiment_score":0.18352633608239038},{"text":"So it's more it's international as well, but it is looking at sort of small to medium cap investments and companies.","start":870.95,"end":877.525,"sentiment":"neutral","sentiment_score":0.13295183809740202},{"text":"So it's kind of also giving you a little bit more exposure into other areas that you didn't have previously, which is by no means a bad thing, adding some extra diversification to your portfolio.","start":878.385,"end":890.14,"sentiment":"positive","sentiment_score":0.49421292202813283},{"text":"Again, we're only adding 4% of this.","start":890.36,"end":892.77997,"sentiment":"neutral","sentiment_score":0.3009537288120815},{"text":"Emerging markets can have a little bit more risk to it, so we do wanna only wanna hold a small amount there, but this investment has been good growth, and it kind of builds into different areas where there might be opportunities opening up in that small to mid cap space across the globe as well.","start":892.83997,"end":909.905,"sentiment":"positive","sentiment_score":0.42570629469784244}],"sentiment":"positive","sentiment_score":0.36545141489434063,"num_words":133,"start":864.31,"end":909.905},{"sentences":[{"text":"So we've added this one in there for you at 4%, and then you just enter components at 20% in core composite bonds.","start":909.905,"end":918.18,"sentiment":"neutral","sentiment_score":0.22624725459710412},{"text":"They're giving you exposure to both government and corporate bonds.","start":918.18,"end":921.56,"sentiment":"neutral","sentiment_score":0.17003210186958312},{"text":"For income producing, these investments, the core composite bonds, there's no ESG rating around them.","start":921.94,"end":928.68,"sentiment":"neutral","sentiment_score":0.07876975027223428},{"text":"We did look at some ethical bond funds, but they're performing really poorly, and they're very volatile.","start":928.82,"end":936.695,"sentiment":"neutral","sentiment_score":-0.2859729734413764},{"text":"So for defensive asset, they were very up and down and very risky, very underperforming as a whole.","start":936.915,"end":943.475,"sentiment":"negative","sentiment_score":-0.4488965504699283}],"sentiment":"neutral","sentiment_score":-0.05850752202951046,"num_words":83,"start":909.905,"end":943.475},{"sentences":[{"text":"So we decided to go with the more core composite on the ETF side of things.","start":943.475,"end":947.62006,"sentiment":"neutral","sentiment_score":0.19257252756506205},{"text":"It has a greater track record, and you just sort of essentially, focusing on government and corporate funds there, essentially.","start":947.76,"end":954.02,"sentiment":"neutral","sentiment_score":0.3272989273071289},{"text":"We just wanna be able to create some income from these sorts of investments, which can be reinvested back into your portfolio to assist with the long term compounding effect there.","start":954.24005,"end":963.73505,"sentiment":"positive","sentiment_score":0.5388089620297954},{"text":"Does that make sense?","start":964.35504,"end":965.395,"sentiment":"neutral","sentiment_score":0.24535760655999184},{"text":"Do you have any questions so far?","start":965.395,"end":966.91504,"sentiment":"neutral","sentiment_score":0.05523252859711647}],"sentiment":"positive","sentiment_score":0.35510608892983353,"num_words":78,"start":943.475,"end":966.91504},{"sentences":[{"text":"I know it's a lot when you're not looking at the document, and I'm so sorry about that.","start":966.91504,"end":970.53503,"sentiment":"neutral","sentiment_score":-0.19204222369525167},{"text":"Yes.","start":982.89,"end":983.29004,"sentiment":"neutral","sentiment_score":0.10436248779296876},{"text":"Yes.","start":983.29004,"end":983.69,"sentiment":"neutral","sentiment_score":0.0984664112329483},{"text":"That was the one thing I did that you'd have to do.","start":983.69,"end":986.35004,"sentiment":"neutral","sentiment_score":0.03363926211992899},{"text":"So these will all happen once you sign the document, we submit the we basically tell Hub twenty four this is what we wanna do, and we submit the investment changes.","start":996.495,"end":1005.81,"sentiment":"neutral","sentiment_score":0.12185598963931683}],"sentiment":"neutral","sentiment_score":0.014718661853481852,"num_words":63,"start":966.91504,"end":1005.81},{"sentences":[{"text":"It can take essentially between two to three weeks to complete the investment switch, but mostly they're all basically ETFs, so most of them can be completed very, very quickly.","start":1006.43,"end":1016.21,"sentiment":"neutral","sentiment_score":0.15788400396704674},{"text":"But as soon as you sign the document, we submit that request and have those changes submitted straight away.","start":1016.815,"end":1022.975,"sentiment":"neutral","sentiment_score":0.21600478926771566},{"text":"Because I know once KPMG approves that, it all has to happen fairly quickly, doesn't it?","start":1022.975,"end":1027.5549,"sentiment":"neutral","sentiment_score":0.08795792993623763},{"text":"Yep.","start":1030.255,"end":1030.755,"sentiment":"neutral","sentiment_score":-0.0476779043674469},{"text":"Yeah.","start":1040.31,"end":1040.79,"sentiment":"neutral","sentiment_score":-0.08560341596603394}],"sentiment":"neutral","sentiment_score":0.15096502498125852,"num_words":67,"start":1006.43,"end":1040.79},{"sentences":[{"text":"So we are keeping some of them.","start":1040.79,"end":1042.39,"sentiment":"neutral","sentiment_score":-0.10501236681427274},{"text":"Like the SE, we're just selling off a portion of that.","start":1042.39,"end":1045.11,"sentiment":"neutral","sentiment_score":-0.13326390155337073},{"text":"We're keeping about 9% of the portfolio.","start":1045.11,"end":1047.3949,"sentiment":"neutral","sentiment_score":-0.04990614631346294},{"text":"The cybersecurity, we're just rebalancing back.","start":1047.455,"end":1049.855,"sentiment":"neutral","sentiment_score":-0.16552616904179254},{"text":"That's only a four a a partial sale.","start":1049.855,"end":1052.575,"sentiment":"neutral","sentiment_score":-0.13512353133410215}],"sentiment":"neutral","sentiment_score":-0.11857635317704616,"num_words":39,"start":1040.79,"end":1052.575},{"sentences":[{"text":"Sorry.","start":1052.575,"end":1053.075,"sentiment":"neutral","sentiment_score":-0.22831431031227112},{"text":"The FAIR, the Vanguard, that is being sold completely, and so would the World Australian Carbon Aware, that's all being sold off completely as well.","start":1053.855,"end":1063.96,"sentiment":"neutral","sentiment_score":-0.1680582994222641},{"text":"But some of them will be kept in there.","start":1063.96,"end":1065.72,"sentiment":"neutral","sentiment_score":-0.13355225076278052},{"text":"We're just rebalancing some of them as well.","start":1065.72,"end":1068.2,"sentiment":"neutral","sentiment_score":-0.14830376487225294},{"text":"So yeah.","start":1068.2,"end":1069.72,"sentiment":"neutral","sentiment_score":0.0005580028519034386}],"sentiment":"neutral","sentiment_score":-0.15149013702240255,"num_words":45,"start":1052.575,"end":1069.72},{"sentences":[{"text":"Does that answer your question?","start":1069.72,"end":1071.1,"sentiment":"neutral","sentiment_score":0.004615193046629429},{"text":"Yes.","start":1074.36,"end":1074.735,"sentiment":"neutral","sentiment_score":0.015193679369986056},{"text":"Yeah.","start":1077.855,"end":1078.355,"sentiment":"neutral","sentiment_score":0.017208639532327652},{"text":"Absolutely.","start":1079.455,"end":1079.955,"sentiment":"positive","sentiment_score":0.38481754064559937},{"text":"So there's a table that shows you the buyers and the sales on page number 19 there.","start":1080.015,"end":1085.155,"sentiment":"neutral","sentiment_score":0.3059437888510087}],"sentiment":"neutral","sentiment_score":0.22565360940992832,"num_words":25,"start":1069.72,"end":1085.155},{"sentences":[{"text":"You'll be able to sort of go through and see all of that nice and clear.","start":1086.095,"end":1090.0499,"sentiment":"positive","sentiment_score":0.47025834210217},{"text":"There's also a fee comparison table.","start":1090.0499,"end":1092.0499,"sentiment":"neutral","sentiment_score":0.17387634267409643},{"text":"So one of the things that I did look at was whenever we are switching investments, there is a capital gains cost difference.","start":1092.0499,"end":1097.65,"sentiment":"neutral","sentiment_score":0.09834298556265623},{"text":"Your fund just like you, your super fund does a tax return every year.","start":1097.65,"end":1101.705,"sentiment":"neutral","sentiment_score":0.1011380883199828},{"text":"Inside super, there are capital gains taxes, income taxes, and things like that.","start":1102.0249,"end":1106.765,"sentiment":"neutral","sentiment_score":0.05490248363751631}],"sentiment":"neutral","sentiment_score":0.1799853572414981,"num_words":72,"start":1086.095,"end":1106.765},{"sentences":[{"text":"So in order to complete the switch of the investment, with the research I've been able to conduct, essentially, your super fund is expected to pay capital gains tax of a $116.","start":1106.985,"end":1117.565,"sentiment":"neutral","sentiment_score":0.15461743739433587},{"text":"The newer investment portfolio has had a greater past return, so it's about increasing your growth asset allocation.","start":1118.58,"end":1125.48,"sentiment":"neutral","sentiment_score":0.25097014755010605},{"text":"When we kind of look at how investments have been performing, the newer portfolio has averaged about 7.42 on a yearly basis over the past five years.","start":1126.58,"end":1136.5449,"sentiment":"neutral","sentiment_score":0.1250956148185112},{"text":"The new the older portfolio that you're in, when we were kinda looking at that as a whole in the totality side of things, it averaged about 6.11%.","start":1137.325,"end":1145.585,"sentiment":"neutral","sentiment_score":0.08217265882662364},{"text":"And that can be different within your fund initially, but the newer portfolio shows over the past that it's got a greater potential for greater gains in the future.","start":1146.16,"end":1156.1,"sentiment":"positive","sentiment_score":0.4477504874611723}],"sentiment":"neutral","sentiment_score":0.20991343907567103,"num_words":134,"start":1106.985,"end":1156.1},{"sentences":[{"text":"And it's also a cheaper fund, so it's actually saving you an investment fee.","start":1157.04,"end":1160.96,"sentiment":"positive","sentiment_score":0.6302724821226937},{"text":"It's estimated to save about a $187 for the year on investment fees.","start":1160.96,"end":1166.6749,"sentiment":"positive","sentiment_score":0.6227420706015366},{"text":"So it's also a cheaper portfolio to hold than your current portfolio is as well.","start":1166.6749,"end":1171.8949,"sentiment":"positive","sentiment_score":0.5124220232168833},{"text":"Yeah.","start":1174.115,"end":1174.615,"sentiment":"neutral","sentiment_score":0.04650772362947464},{"text":"Yeah.","start":1180.74,"end":1181.14,"sentiment":"neutral","sentiment_score":0.07299269735813141}],"sentiment":"positive","sentiment_score":0.5619384644722397,"num_words":44,"start":1157.04,"end":1181.14},{"sentences":[{"text":"Correct.","start":1181.14,"end":1181.62,"sentiment":"neutral","sentiment_score":0.10642758756875992},{"text":"Correct.","start":1181.62,"end":1182.1,"sentiment":"neutral","sentiment_score":0.12146469950675964},{"text":"Look.","start":1182.1,"end":1182.26,"sentiment":"neutral","sentiment_score":0.12515167891979218},{"text":"It wasn't wasn't the best, but it's not that bad.","start":1182.26,"end":1186.34,"sentiment":"neutral","sentiment_score":0.08049515038728713},{"text":"When I sort of look at as a comparison, Australian Ethical Super, they've averaged over the five years.","start":1186.34,"end":1194.455,"sentiment":"neutral","sentiment_score":0.12382205451528232}],"sentiment":"neutral","sentiment_score":0.10925136939171821,"num_words":31,"start":1181.14,"end":1194.455},{"sentences":[{"text":"They're reporting 5.8%.","start":1194.455,"end":1196.7949,"sentiment":"neutral","sentiment_score":0.18717610836029053},{"text":"So, realistically, your past portfolio hasn't been performing terribly.","start":1196.9349,"end":1201.115,"sentiment":"neutral","sentiment_score":-0.01226571367846595},{"text":"It could definitely be doing better, and that's kind of what we wanna see when we are looking at investors and kind of looking at ways to build and grow them.","start":1201.8,"end":1209.4801,"sentiment":"neutral","sentiment_score":0.20829788643506267},{"text":"We wanna look at the best possible past performance to give us a guide on how portfolios can, you know, grow and produce growth over the future.","start":1209.4801,"end":1219.105,"sentiment":"neutral","sentiment_score":0.2414967285262214},{"text":"So the newer portfolio was cheaper.","start":1219.105,"end":1221.2649,"sentiment":"neutral","sentiment_score":0.20681719730297723}],"sentiment":"neutral","sentiment_score":0.19302218730904555,"num_words":76,"start":1194.455,"end":1221.2649},{"sentences":[{"text":"It has had a greater past performance.","start":1221.2649,"end":1223.105,"sentiment":"neutral","sentiment_score":0.26643669605255127},{"text":"That's what I would like to see in the future, but we do need to catch up in the next sort of three to four, even six months depending on your comfort level just to sort of see how that is tracking once the once that portfolio has been altered and changed to sort of make sure that it is on track because you are ethically invested.","start":1223.105,"end":1240.87,"sentiment":"neutral","sentiment_score":0.10116806731962447},{"text":"It does mean that some of these investments can perform worse.","start":1241.01,"end":1245.8301,"sentiment":"negative","sentiment_score":-0.48554808443242853},{"text":"They some of these investments are more thematic, so they do have a little bit more risk that comes with them.","start":1246.525,"end":1252.305,"sentiment":"negative","sentiment_score":-0.3664876705124265},{"text":"The CNDCS, especially the ones around the, you know, the drive, that sort of area, They do have the tendency to drop depending on, you know, how vehicles are traveling or mobility side of things.","start":1253.005,"end":1265.04,"sentiment":"neutral","sentiment_score":-0.016385395478989397}],"sentiment":"neutral","sentiment_score":-0.0352300813368766,"num_words":141,"start":1221.2649,"end":1265.04},{"sentences":[{"text":"So we do wanna come back and review those.","start":1265.04,"end":1267.7001,"sentiment":"neutral","sentiment_score":0.024574641552236345},{"text":"But looking at building the portfolio, this came out really good.","start":1268.0801,"end":1271.6001,"sentiment":"positive","sentiment_score":0.6320871060544794},{"text":"I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible.","start":1271.6001,"end":1281.345,"sentiment":"positive","sentiment_score":0.7063767276704311},{"text":"So the overall portfolio does add greater diversification there for you.","start":1281.345,"end":1286.1449,"sentiment":"positive","sentiment_score":0.684214478189295},{"text":"So that is one good thing that I did like about this portfolio.","start":1286.1449,"end":1289.2,"sentiment":"positive","sentiment_score":0.8059780964484582}],"sentiment":"positive","sentiment_score":0.6287139439465184,"num_words":76,"start":1265.04,"end":1289.2},{"sentences":[{"text":"Yeah.","start":1291.82,"end":1292.32,"sentiment":"neutral","sentiment_score":0.010673709213733671},{"text":"No.","start":1297.66,"end":1297.98,"sentiment":"neutral","sentiment_score":-0.03223779797554016},{"text":"That's that's basically it.","start":1297.98,"end":1299.74,"sentiment":"neutral","sentiment_score":-0.015197559259831905},{"text":"It's touching on the changes that we need to make.","start":1299.74,"end":1302.135,"sentiment":"neutral","sentiment_score":0.03885929770767689},{"text":"There are the pages in there do outline more around the advantages, disadvantages, the risks involved.","start":1302.615,"end":1308.155,"sentiment":"neutral","sentiment_score":0.02461303654126823}],"sentiment":"neutral","sentiment_score":0.0218764761229977,"num_words":32,"start":1291.82,"end":1308.155},{"sentences":[{"text":"I did go through some of them with you, but when you get some time, take take have yourself a cup of tea coffee, whatever you're comfortable with.","start":1308.295,"end":1316.34,"sentiment":"neutral","sentiment_score":0.10691899407122817},{"text":"Take some time to read through the advice document.","start":1316.82,"end":1318.9,"sentiment":"neutral","sentiment_score":0.08848918643262652},{"text":"If you find you do have additional questions, you're welcome to let me know there.","start":1318.9,"end":1322.6799,"sentiment":"neutral","sentiment_score":0.16867267936468125},{"text":"I just had to touch some of the points that I needed to, albeit understanding that you're not looking at it.","start":1322.98,"end":1328.02,"sentiment":"neutral","sentiment_score":-0.06853230137910162},{"text":"So sometimes it can come across like I'm talking at you.","start":1328.02,"end":1331.155,"sentiment":"neutral","sentiment_score":-0.1462143429301002}],"sentiment":"neutral","sentiment_score":0.038960578585309644,"num_words":84,"start":1308.295,"end":1331.155},{"sentences":[{"text":"I do apologize.","start":1331.155,"end":1332.0549,"sentiment":"neutral","sentiment_score":-0.13520893454551697},{"text":"I had no attention of that.","start":1332.115,"end":1333.5549,"sentiment":"neutral","sentiment_score":-0.15252751857042313},{"text":"It's just making sure I touch on the things that I absolutely have to as part of the presentation of this, and then allowing you time to go back and take it in and read it, and albeit making sure that it's provided to KPMG so they can approve the portfolio.","start":1333.5549,"end":1346.92,"sentiment":"neutral","sentiment_score":0.02042802703548588},{"text":"Or if they don't approve anything particular, letting you know, we can always go back and readjust this for you.","start":1347.38,"end":1353.62,"sentiment":"neutral","sentiment_score":-0.029174076952040197},{"text":"Okay.","start":1353.62,"end":1354.12,"sentiment":"neutral","sentiment_score":0.06711435317993164}],"sentiment":"neutral","sentiment_score":-0.009818885458150396,"num_words":81,"start":1331.155,"end":1354.12},{"sentences":[{"text":"Yeah.","start":1390.775,"end":1391.095,"sentiment":"neutral","sentiment_score":0.008271034806966782},{"text":"So, realistically, having an ethical portfolio means that there is a difference to growth.","start":1391.095,"end":1397.035,"sentiment":"neutral","sentiment_score":0.12122173261429582},{"text":"Realistically, when you are invested ethically, you understand the markets are gonna be lower.","start":1397.655,"end":1402.97,"sentiment":"neutral","sentiment_score":0.03940874417977674},{"text":"Ethical investments have had great growth in the past.","start":1402.97,"end":1406.09,"sentiment":"positive","sentiment_score":0.5752015312512716},{"text":"2122 is probably more for the best growth.","start":1406.09,"end":1408.75,"sentiment":"positive","sentiment_score":0.3912769742310047}],"sentiment":"neutral","sentiment_score":0.22965494097898836,"num_words":46,"start":1390.775,"end":1408.75},{"sentences":[{"text":"Since then, they have not been performing as well.","start":1408.97,"end":1411.79,"sentiment":"neutral","sentiment_score":0.1843166169193056},{"text":"So you're not realistically gonna get the kind of growth that most of our portfolios do obtain, but it's also gonna be with a comfort level for you.","start":1412.33,"end":1420.995,"sentiment":"neutral","sentiment_score":0.25936790821807726},{"text":"So you it's not saying you can't get growth.","start":1420.995,"end":1423.635,"sentiment":"neutral","sentiment_score":0.10005280872186025},{"text":"You can.","start":1423.635,"end":1424.4551,"sentiment":"neutral","sentiment_score":0.26951268315315247},{"text":"Ethical portfolios do have a place in the market, and there's plenty of people who do wanna be, you know, ethical in their investment.","start":1425.0751,"end":1432.135,"sentiment":"positive","sentiment_score":0.3563139121979475}],"sentiment":"neutral","sentiment_score":0.2626692433324125,"num_words":72,"start":1408.97,"end":1432.135},{"sentences":[{"text":"So I do not in any way, shape, or form think you're wasting your time.","start":1432.1951,"end":1435.73,"sentiment":"neutral","sentiment_score":-0.3291044612725576},{"text":"That is my honest opinion.","start":1435.73,"end":1437.27,"sentiment":"neutral","sentiment_score":0.05397830158472061},{"text":"This can work for you.","start":1438.13,"end":1439.89,"sentiment":"positive","sentiment_score":0.45910232663154604},{"text":"I think what we might need to do down the track, though, is consider additional contributions to help boost that growth, Essentially, with what's going in, you're on a good income.","start":1439.89,"end":1448.9651,"sentiment":"neutral","sentiment_score":0.1643825151747273},{"text":"You've got good employer contributions, but to maybe look at, you know, closing the gap between the growth of a non ethical portfolio, I do think additional contributions down the track could provide greater benefit to you.","start":1448.9651,"end":1462.88,"sentiment":"neutral","sentiment_score":0.21238630929508726}],"sentiment":"neutral","sentiment_score":0.11379556598201875,"num_words":93,"start":1432.1951,"end":1462.88},{"sentences":[{"text":"But I think to start with making this change, having it sit there for a little bit, reevaluate it in the next sort of six to twelve months at least just to see how it is tracking and then kind of reevaluating it again.","start":1463.18,"end":1477.535,"sentiment":"neutral","sentiment_score":0.07421792870048773},{"text":"I do hope this portfolio works the way it should.","start":1477.595,"end":1480.635,"sentiment":"neutral","sentiment_score":0.3176682829856873},{"text":"I do not wanna really be making changes on a yearly basis because that provides no great benefit to you.","start":1480.635,"end":1487.135,"sentiment":"neutral","sentiment_score":-0.26408406272530555},{"text":"But I think this is working really well.","start":1487.92,"end":1490.8201,"sentiment":"neutral","sentiment_score":0.29838127829134464},{"text":"The old portfolio, you know, had some kinks in it.","start":1490.9601,"end":1494.56,"sentiment":"neutral","sentiment_score":-0.2830731600522995}],"sentiment":"neutral","sentiment_score":0.007792489825869384,"num_words":92,"start":1463.18,"end":1494.56},{"sentences":[{"text":"It was also one of the first ethical portfolios that was kind of built, and there's been a lot of changes in the ethical space in the last couple of months there.","start":1494.56,"end":1502.66,"sentiment":"neutral","sentiment_score":-0.16353921149857342},{"text":"But with what's been changing globally as well, we might actually see a bit more of a step where people head back towards that ethical side of things again.","start":1503.6749,"end":1512.715,"sentiment":"neutral","sentiment_score":0.05714873866788272},{"text":"So there's always a lot of unknowns when it comes to investing as a whole.","start":1512.715,"end":1517.455,"sentiment":"neutral","sentiment_score":-0.14292927980422973},{"text":"I am sort of in of the opinion that we just you try something.","start":1518.2001,"end":1522.62,"sentiment":"neutral","sentiment_score":0.10932811456067222},{"text":"You look at something.","start":1522.68,"end":1523.56,"sentiment":"neutral","sentiment_score":0.1589198000729084}],"sentiment":"neutral","sentiment_score":-0.03780433765434204,"num_words":94,"start":1494.56,"end":1523.56},{"sentences":[{"text":"You look at the past data and go, cool.","start":1523.56,"end":1525.64,"sentiment":"neutral","sentiment_score":0.1965116924709744},{"text":"This has been working in the past.","start":1525.64,"end":1527.4,"sentiment":"positive","sentiment_score":0.37061058623450144},{"text":"This is what I'm aiming for currently.","start":1527.4,"end":1529.26,"sentiment":"positive","sentiment_score":0.3418177919728415},{"text":"This is where I think I should be, and then you just sort of focus and look at that and alter it as you need to down the track.","start":1529.3201,"end":1536.1951,"sentiment":"neutral","sentiment_score":0.23871140593084797},{"text":"So you it it don't ever think that being ethical is wrong and, you know, you're gonna be worse off because of it.","start":1536.1951,"end":1543.3151,"sentiment":"neutral","sentiment_score":-0.11138136684894562}],"sentiment":"neutral","sentiment_score":0.14821950952212015,"num_words":75,"start":1523.56,"end":1543.3151},{"sentences":[{"text":"There's nothing to say you will be.","start":1543.3151,"end":1545.415,"sentiment":"neutral","sentiment_score":0.07399049827030726},{"text":"It's just about closing the gap and understanding where you're at and investing in a space that's comfortable for you as well as getting long term sustainable growth.","start":1545.96,"end":1555.48,"sentiment":"neutral","sentiment_score":0.26834746237312046},{"text":"The other thing to sort of consider and the conversations I've had with a lot of people this year are around, you know, portfolios over the past that have, you know, fifteen, twenty percent growth, absolutely fabulous.","start":1555.48,"end":1567.475,"sentiment":"positive","sentiment_score":0.4292985297538139},{"text":"There's no guarantees of that.","start":1567.535,"end":1569.475,"sentiment":"neutral","sentiment_score":0.06291017606854439},{"text":"In all honesty, to have a portfolio that shows you in the past, it's formed around about seven to 8% in that growth environment.","start":1569.535,"end":1577.5399,"sentiment":"neutral","sentiment_score":0.3186910580843687}],"sentiment":"neutral","sentiment_score":0.31563212187720996,"num_words":101,"start":1543.3151,"end":1577.5399},{"sentences":[{"text":"It's actually showing you that it's probably got more of a chance of he keeping that sustainable growth moving forward than a portfolio that's averaged a 17% return over the past.","start":1577.7599,"end":1588.6849,"sentiment":"neutral","sentiment_score":0.3092096753178104},{"text":"There's absolutely no way a portfolio can sustain 17% every year for the next five to ten years, whereas in that growth portfolio, you're more likely to try and obtain that sort of return.","start":1588.825,"end":1601.39,"sentiment":"neutral","sentiment_score":-0.04730897769331932},{"text":"In the growth environment, you're still going to get a negative return, and we expect one sort of one in every five odd years.","start":1601.39,"end":1608.69,"sentiment":"neutral","sentiment_score":-0.2453555048753818},{"text":"But as long as you're in a portfolio that gives you diversification, takes advantage in certain areas, and is tracking and giving you an average rate of return that can be compounded forward, you're gonna be okay.","start":1609.39,"end":1620.9249,"sentiment":"positive","sentiment_score":0.4013761132955551},{"text":"You're gonna do really well.","start":1620.9249,"end":1622.465,"sentiment":"positive","sentiment_score":0.6417459726333619}],"sentiment":"neutral","sentiment_score":0.1538023559646752,"num_words":131,"start":1577.7599,"end":1622.465},{"sentences":[{"text":"And you're still young.","start":1623.245,"end":1624.445,"sentiment":"neutral","sentiment_score":0.11015730863437057},{"text":"You've got a lot of time ahead of you.","start":1624.445,"end":1626.36,"sentiment":"neutral","sentiment_score":0.029592369372646015},{"text":"You're compounding things at a lot longer than most people are.","start":1626.44,"end":1632.12,"sentiment":"neutral","sentiment_score":-0.034332399066029626},{"text":"Most of my clients, unfortunately, are retiring with lower balances in super, you know, less than 500,000 because super wasn't a thing in the early days.","start":1632.12,"end":1641.82,"sentiment":"neutral","sentiment_score":-0.17785311590593594},{"text":"It's more of a you know, we're at a higher contributions right now, which is also gonna provide a greater benefit to you.","start":1642.1951,"end":1649.0751,"sentiment":"neutral","sentiment_score":0.2191682092987163}],"sentiment":"neutral","sentiment_score":0.010219068075083706,"num_words":73,"start":1623.245,"end":1649.0751},{"sentences":[{"text":"So I'm uncomfortable with you not getting, you know, a 20% return every single every single year if the returns you're getting are sustainable if we're taking advantage of the lower years.","start":1649.0751,"end":1661.12,"sentiment":"neutral","sentiment_score":-0.17509867972694337},{"text":"But I wanted to make sure that your portfolio was ethical.","start":1661.5,"end":1664.7,"sentiment":"neutral","sentiment_score":0.15248460593548688},{"text":"It was in line with what you wanted to see and that we could update it.","start":1664.7,"end":1669.26,"sentiment":"neutral","sentiment_score":0.1514947668183595},{"text":"And it will have to be updated.","start":1669.26,"end":1670.8049,"sentiment":"neutral","sentiment_score":0.05640559856380735},{"text":"Don't wanna do it every year for you because that doesn't benefit you, but it does have to be updated and changed whenever there does need to be changes in the market, whenever, you know, certain things might be under performing, whereas the market might not see that underperformance.","start":1670.8049,"end":1686.87,"sentiment":"neutral","sentiment_score":-0.034144064202448546}],"sentiment":"neutral","sentiment_score":-0.02417505019870789,"num_words":115,"start":1649.0751,"end":1686.87},{"sentences":[{"text":"So, yeah, that's essentially my honest opinion for you.","start":1687.01,"end":1690.77,"sentiment":"neutral","sentiment_score":0.07695358225868808},{"text":"I hope that is okay.","start":1690.77,"end":1692.07,"sentiment":"neutral","sentiment_score":0.14246156811714172},{"text":"But, yeah, I like this portfolio.","start":1692.61,"end":1695.35,"sentiment":"positive","sentiment_score":0.5347020030021667},{"text":"I really actually enjoyed building it.","start":1695.57,"end":1697.335,"sentiment":"positive","sentiment_score":0.7778335710366567},{"text":"There's a lot of ethical investments out there.","start":1697.335,"end":1699.6549,"sentiment":"positive","sentiment_score":0.43371765688061714}],"sentiment":"positive","sentiment_score":0.3749954347115229,"num_words":34,"start":1687.01,"end":1699.6549},{"sentences":[{"text":"There's a lot of a lot of things that you can invest in.","start":1699.6549,"end":1703.595,"sentiment":"neutral","sentiment_score":0.314779669046402},{"text":"It's just making sure that those investments have been around long enough to sustain the market ups and downs, and ethical investments as a whole haven't really been around for a really long time.","start":1703.8949,"end":1713.35,"sentiment":"neutral","sentiment_score":0.1480680235168513},{"text":"So this portfolio is encompassing some ethical areas as well as some that are less ethical, but not sort of taking into account anything crazy.","start":1713.35,"end":1722.585,"sentiment":"neutral","sentiment_score":0.011169189065694808},{"text":"So we're looking at core confidence of funds and cybersecurity and also focusing on, like, agriculture.","start":1722.725,"end":1729.625,"sentiment":"neutral","sentiment_score":0.13330853264778852},{"text":"So while they don't have an ESD rating, they are still fairly ethical fairly ethically sound.","start":1730.005,"end":1736.6,"sentiment":"neutral","sentiment_score":0.14551784377545118}],"sentiment":"neutral","sentiment_score":0.13333557929413822,"num_words":104,"start":1699.6549,"end":1736.6},{"sentences":[{"text":"So you're not investing in anything that kinda goes really against what you're comfortable with, if that makes sense.","start":1736.6,"end":1742.62,"sentiment":"neutral","sentiment_score":-0.16865268075152448},{"text":"Yeah.","start":1752.9651,"end":1753.2051,"sentiment":"neutral","sentiment_score":-0.004600546322762966},{"text":"That's okay.","start":1753.2051,"end":1754.025,"sentiment":"neutral","sentiment_score":0.1760789081454277},{"text":"Mhmm.","start":1765.72,"end":1766.22,"sentiment":"neutral","sentiment_score":-0.09166892617940904},{"text":"Yes.","start":1775.32,"end":1775.82,"sentiment":"neutral","sentiment_score":0.021465960890054703}],"sentiment":"neutral","sentiment_score":-0.12196027623334278,"num_words":24,"start":1736.6,"end":1775.82},{"sentences":[{"text":"Yeah.","start":1792.18,"end":1792.34,"sentiment":"neutral","sentiment_score":0.023440111428499225},{"text":"Yeah.","start":1792.34,"end":1792.84,"sentiment":"neutral","sentiment_score":0.00486757792532444},{"text":"Yeah.","start":1794.9,"end":1795.4,"sentiment":"neutral","sentiment_score":0.05491865053772926},{"text":"Look, honestly, with the way the markets are at the moment, most growth portfolios are averaging around about nine to 10%.","start":1795.78,"end":1803.3201,"sentiment":"neutral","sentiment_score":0.14999472598234811},{"text":"So you're not missing out on a great deal.","start":1804.835,"end":1806.995,"sentiment":"neutral","sentiment_score":0.19827136231793296}],"sentiment":"neutral","sentiment_score":0.1520472074661291,"num_words":33,"start":1792.18,"end":1806.995},{"sentences":[{"text":"No one's really, you know, gonna get that 17 or 20%.","start":1806.995,"end":1811.395,"sentiment":"neutral","sentiment_score":-0.14945738153024155},{"text":"The most sustainable, nonethical portfolios in that growth environment are are generally looking to obtain about that nine to 10%, and that's what is sort of sitting at the moment.","start":1811.395,"end":1823.3201,"sentiment":"neutral","sentiment_score":0.019832658395171166},{"text":"So I wouldn't say you're missing out on a great deal of growth by being ethical.","start":1823.3201,"end":1826.9401,"sentiment":"neutral","sentiment_score":-0.02082697465084493},{"text":"Yeah.","start":1829.8,"end":1830.3,"sentiment":"neutral","sentiment_score":0.2843685448169708},{"text":"Yeah.","start":1832.36,"end":1832.835,"sentiment":"neutral","sentiment_score":0.12439606338739397}],"sentiment":"neutral","sentiment_score":-0.016500312392994508,"num_words":59,"start":1806.995,"end":1832.835},{"sentences":[{"text":"Yeah.","start":1836.355,"end":1836.755,"sentiment":"neutral","sentiment_score":0.08205755054950714},{"text":"Definitely.","start":1836.755,"end":1837.255,"sentiment":"neutral","sentiment_score":0.0428631529211998},{"text":"Yeah.","start":1839.475,"end":1839.975,"sentiment":"neutral","sentiment_score":0.0915079265832901},{"text":"So we can look at making salary sacrifice contributions and adding to what you've got currently.","start":1842.115,"end":1848.6699,"sentiment":"neutral","sentiment_score":0.16608899226412177},{"text":"We can look at updating advice to maybe take advantage of past cap base because we do have what's called carry forward contributions where if your balance is under a certain threshold, so it gets 500,000 as that 32 in the prior financial year, we can look to use previous years' cap space and make additional contributions to super by way of salary sacrifice.","start":1849.13,"end":1871.2051,"sentiment":"neutral","sentiment_score":0.18495315499603748}],"sentiment":"neutral","sentiment_score":0.17723920995212464,"num_words":83,"start":1836.355,"end":1871.2051},{"sentences":[{"text":"You can also make them from your after tax income and do deductible contributions, which can give you a tax deduction at the end of the year and help to, you know, lower your overall taxable income.","start":1871.665,"end":1884.43,"sentiment":"neutral","sentiment_score":0.3087488086642446},{"text":"There's a few different ways that we can do it.","start":1885.37,"end":1887.6901,"sentiment":"neutral","sentiment_score":0.2869551181793213},{"text":"It also comes down to your comfort level.","start":1887.6901,"end":1889.785,"sentiment":"neutral","sentiment_score":0.2953980043530464},{"text":"So do you have much in the way of expendable income?","start":1889.785,"end":1892.605,"sentiment":"neutral","sentiment_score":0.0693905692208897},{"text":"Are you comfortable adding more money to super knowing that you can't access those funds currently until you meet that condition of release?","start":1892.745,"end":1900.045,"sentiment":"neutral","sentiment_score":0.0030995246994754543}],"sentiment":"neutral","sentiment_score":0.19652838726643096,"num_words":89,"start":1871.665,"end":1900.045},{"sentences":[{"text":"But, yeah, down the track, doing those benefits.","start":1901.0651,"end":1903.8301,"sentiment":"neutral","sentiment_score":-0.08070067781955004},{"text":"Sorry.","start":1903.8301,"end":1904.15,"sentiment":"neutral","sentiment_score":-0.19476637244224548},{"text":"Yep.","start":1904.15,"end":1904.65,"sentiment":"neutral","sentiment_score":-0.1677221953868866},{"text":"Okay.","start":1912.87,"end":1913.37,"sentiment":"neutral","sentiment_score":-0.06410853564739227},{"text":"Yep.","start":1914.71,"end":1915.21,"sentiment":"neutral","sentiment_score":-0.06068029999732971}],"sentiment":"neutral","sentiment_score":-0.09440690216918786,"num_words":12,"start":1901.0651,"end":1915.21},{"sentences":[{"text":"Yes.","start":1922.085,"end":1922.585,"sentiment":"neutral","sentiment_score":-0.006473556160926819},{"text":"Yep.","start":1926.325,"end":1926.825,"sentiment":"neutral","sentiment_score":-0.10498985648155212},{"text":"Yeah.","start":1933.54,"end":1933.9401,"sentiment":"neutral","sentiment_score":-0.0404147207736969},{"text":"Of course.","start":1933.9401,"end":1940.4401,"sentiment":"neutral","sentiment_score":0.0004066973924636841},{"text":"Mhmm.","start":1940.5,"end":1941.0,"sentiment":"neutral","sentiment_score":0.019257353618741035}],"sentiment":"neutral","sentiment_score":-0.021967897502084572,"num_words":6,"start":1922.085,"end":1941.0},{"sentences":[{"text":"Yeah.","start":1942.42,"end":1942.845,"sentiment":"neutral","sentiment_score":0.12706217169761658},{"text":"Yeah.","start":1943.325,"end":1943.485,"sentiment":"neutral","sentiment_score":0.20939750969409943},{"text":"You absolutely can.","start":1943.485,"end":1944.7849,"sentiment":"neutral","sentiment_score":0.30774609247843426},{"text":"If you make them a non concessional contributions, you can do it by way of BPAY or EFT.","start":1944.845,"end":1951.1849,"sentiment":"neutral","sentiment_score":0.16909988348682722},{"text":"I can send you the information.","start":1951.245,"end":1952.625,"sentiment":"neutral","sentiment_score":0.2246322756012281}],"sentiment":"neutral","sentiment_score":0.19487205224818197,"num_words":29,"start":1942.42,"end":1952.625},{"sentences":[{"text":"That way, you're able to make those when you want.","start":1952.6849,"end":1955.1,"sentiment":"neutral","sentiment_score":0.21020477563142775},{"text":"When it comes to cabs making non concessional contributions, which is your essentially ad hoc contributions from your bank account, they allow you to make up to a 130 for this financial year.","start":1955.58,"end":1967.98,"sentiment":"neutral","sentiment_score":0.09161496839740059},{"text":"So I'm assuming you're not gonna have a $130 to pop into suit for this year with all living expenses, but that essentially is the cap space there.","start":1967.98,"end":1977.385,"sentiment":"neutral","sentiment_score":0.027252338294472014},{"text":"And we can always if you do have some ad hoc contributions, we can always sort of talk about it in, you know, May, June, next year, look at what you've put in the super and whether you wanna claim that as a tax deduction or whether that would provide a benefit to you.","start":1977.385,"end":1991.41,"sentiment":"neutral","sentiment_score":0.10594895923579181},{"text":"So, yeah, I can send you that information after four if you like in the email so you've got that, what a nonconcessional is, what the cap phase is, and how you do that to make it easier on you.","start":1992.35,"end":2002.615,"sentiment":"neutral","sentiment_score":0.15355847477912904}],"sentiment":"neutral","sentiment_score":0.10758781803376746,"num_words":165,"start":1952.6849,"end":2002.615},{"sentences":[{"text":"Yes.","start":2005.155,"end":2005.5549,"sentiment":"neutral","sentiment_score":0.2562270760536194},{"text":"Beautiful.","start":2005.5549,"end":2006.0549,"sentiment":"positive","sentiment_score":0.38567036390304565},{"text":"Excellent.","start":2007.475,"end":2007.975,"sentiment":"positive","sentiment_score":0.3860684037208557},{"text":"Yeah.","start":2012.5199,"end":2013.0199,"sentiment":"neutral","sentiment_score":0.050548113882541656},{"text":"No.","start":2016.12,"end":2016.6,"sentiment":"neutral","sentiment_score":-0.18041983246803284}],"sentiment":"neutral","sentiment_score":0.17961882501840593,"num_words":5,"start":2005.155,"end":2016.6},{"sentences":[{"text":"No.","start":2016.6,"end":2016.9199,"sentiment":"neutral","sentiment_score":-0.14076371490955353},{"text":"That's fine.","start":2016.9199,"end":2017.6399,"sentiment":"neutral","sentiment_score":0.15718915313482285},{"text":"So you'll just put the the contributions in on a rate however often you are comfortable with.","start":2017.6399,"end":2023.1,"sentiment":"neutral","sentiment_score":0.17883842701421065},{"text":"And then the only way you would need to let your accountant know you're doing that is if you decide to claim them under a notice of intent, claim as a tax deductions.","start":2023.7451,"end":2032.805,"sentiment":"neutral","sentiment_score":0.2252556342970241},{"text":"Say, as an example, if you put $10 into super and come the end of the financial year, you wanna claim that $10 as a tax deduction on your income on your income tax, we then submit a notice of intent to claim against those contributions inside super fund.","start":2032.8651,"end":2049.17,"sentiment":"neutral","sentiment_score":0.1422648864741228}],"sentiment":"neutral","sentiment_score":0.17272826685917145,"num_words":102,"start":2016.6,"end":2049.17},{"sentences":[{"text":"I have 24 deduct 15% tax and pay that to the ATO, and then that $10, you can take back to your account at the end of the financial year and go, hey.","start":2049.4749,"end":2057.795,"sentiment":"neutral","sentiment_score":0.18995555287057703},{"text":"I've claimed I put $10 to super.","start":2057.795,"end":2060.035,"sentiment":"neutral","sentiment_score":0.22135344999177115},{"text":"I wanna claim that $10 as a tax deduction.","start":2060.035,"end":2062.08,"sentiment":"neutral","sentiment_score":0.2527040226591958},{"text":"Free component.","start":2062.08,"end":2073.4402,"sentiment":"neutral","sentiment_score":0.036354211159050465},{"text":"So your taxable free component.","start":2073.4402,"end":2075.805,"sentiment":"neutral","sentiment_score":0.06716241091489791}],"sentiment":"neutral","sentiment_score":0.18751542991958559,"num_words":56,"start":2049.4749,"end":2075.805},{"sentences":[{"text":"So your taxable consists of everything where tax is being deducted inside super.","start":2075.865,"end":2080.905,"sentiment":"neutral","sentiment_score":0.08486060396983074},{"text":"So, like, your employer contribution, salary sacrifice, or deductible contribution.","start":2080.905,"end":2086.205,"sentiment":"neutral","sentiment_score":0.09360204190015793},{"text":"If you're just moving money into the super fund out of your bank account, it's called nonconcessional.","start":2086.825,"end":2092.39,"sentiment":"neutral","sentiment_score":0.12378633635885575},{"text":"So it goes in a 100% invested.","start":2092.77,"end":2095.19,"sentiment":"neutral","sentiment_score":0.1892135590314865},{"text":"There's no tax deducted out of that money, and it goes into your tax free component of that of the super fund there.","start":2095.5698,"end":2102.835,"sentiment":"neutral","sentiment_score":0.22246492524509845}],"sentiment":"neutral","sentiment_score":0.1512109168938228,"num_words":70,"start":2075.865,"end":2102.835},{"sentences":[{"text":"Yep.","start":2111.795,"end":2112.295,"sentiment":"neutral","sentiment_score":0.09033273905515672},{"text":"Yep.","start":2113.635,"end":2114.135,"sentiment":"neutral","sentiment_score":0.11610748618841173},{"text":"That's fine.","start":2114.435,"end":2115.2349,"sentiment":"neutral","sentiment_score":0.1954166293144226},{"text":"I also break down, if that's okay, I can also break down that information that we've gone through into the email for you.","start":2115.2349,"end":2122.44,"sentiment":"neutral","sentiment_score":0.16643911632506744},{"text":"You've got that as clarification as well to make it easier.","start":2122.44,"end":2125.5,"sentiment":"neutral","sentiment_score":0.20535225082527508}],"sentiment":"neutral","sentiment_score":0.1759012610112366,"num_words":38,"start":2111.795,"end":2125.5},{"sentences":[{"text":"That's okay.","start":2128.1199,"end":2129.0,"sentiment":"negative","sentiment_score":-0.4798652231693268},{"text":"That's yeah.","start":2129.0,"end":2136.275,"sentiment":"neutral","sentiment_score":-0.24366551637649536},{"text":"Yep.","start":2146.61,"end":2147.11,"sentiment":"neutral","sentiment_score":0.011192440055310726},{"text":"Yep.","start":2148.6902,"end":2149.1902,"sentiment":"neutral","sentiment_score":0.012556523084640505},{"text":"Yep.","start":2158.6902,"end":2158.85,"sentiment":"neutral","sentiment_score":0.10182009637355804}],"sentiment":"neutral","sentiment_score":-0.188784631368305,"num_words":7,"start":2128.1199,"end":2158.85},{"sentences":[{"text":"Yep.","start":2158.85,"end":2159.35,"sentiment":"neutral","sentiment_score":0.08748506009578705},{"text":"The other thing I wanted to sort of talk to you about was your that new insurance that you have through host plus with your employer.","start":2163.2249,"end":2169.885,"sentiment":"neutral","sentiment_score":0.028256582311139658},{"text":"I'd love to look at that in a bit more detail and find out what happens with those insurances if you do quit KPMG because that gives you a good amount of life and PPD.","start":2170.825,"end":2180.02,"sentiment":"neutral","sentiment_score":0.19816434681415557},{"text":"Are you comfortable if my team touch base and have a authority to collect signed?","start":2180.72,"end":2187.3,"sentiment":"neutral","sentiment_score":0.05760439559817314},{"text":"It allows us to put that on the host plus account, and we can do research.","start":2187.6,"end":2192.395,"sentiment":"neutral","sentiment_score":0.09856127784587443}],"sentiment":"neutral","sentiment_score":0.10966617976545646,"num_words":93,"start":2158.85,"end":2192.395},{"sentences":[{"text":"So we can ask questions about it.","start":2192.395,"end":2194.395,"sentiment":"neutral","sentiment_score":0.09881304949522018},{"text":"We can get the product disclosure status for it, and we can find out about the funds going in, how that's being paid for, whether that's considered a contribution to you, what happens with the policy if you leave the leave your employer, how that then gets paid, or how that then can be retained.","start":2194.395,"end":2212.42,"sentiment":"neutral","sentiment_score":0.040035072443160145},{"text":"Are you comfortable if we do that additional research for you?","start":2213.04,"end":2216.42,"sentiment":"neutral","sentiment_score":0.02478170208632946},{"text":"Yep.","start":2218.815,"end":2219.135,"sentiment":"neutral","sentiment_score":0.1799168586730957},{"text":"Beautiful.","start":2219.135,"end":2219.635,"sentiment":"positive","sentiment_score":0.4532684683799744}],"sentiment":"neutral","sentiment_score":0.050658725077907245,"num_words":75,"start":2192.395,"end":2219.635},{"sentences":[{"text":"Just wanna make sure I understand that policy as much as possible.","start":2220.4949,"end":2223.395,"sentiment":"neutral","sentiment_score":0.14119575483103594},{"text":"That way, if you have any questions, at least we can help you to understand it as well.","start":2223.535,"end":2227.695,"sentiment":"neutral","sentiment_score":0.1397820110950205},{"text":"Because if you do resign and that policy gets canceled, then it's about looking for additional cover.","start":2227.695,"end":2233.2148,"sentiment":"neutral","sentiment_score":-0.09910776794833295},{"text":"But there could be a period time where you don't have any cover, and that would've been that risk to you.","start":2233.2148,"end":2238.34,"sentiment":"neutral","sentiment_score":-0.17201739123889379},{"text":"So I'll get my team to do up that third party authority and send it through to you to be signed.","start":2238.34,"end":2243.4001,"sentiment":"neutral","sentiment_score":0.06775397949275516}],"sentiment":"neutral","sentiment_score":0.0037759725381149335,"num_words":89,"start":2220.4949,"end":2243.4001},{"sentences":[{"text":"I'll just also check your ID on file is update because that has to be provided with the documents, and we can have that applied and do the research there for you.","start":2243.62,"end":2253.6948,"sentiment":"neutral","sentiment_score":0.10808963282033801},{"text":"And then I can always be in touch to give you some information, talk to you about it, and let you know what the outcome of that research is.","start":2253.6948,"end":2260.915,"sentiment":"neutral","sentiment_score":0.12633392060625143},{"text":"Okay.","start":2263.82,"end":2263.9001,"sentiment":"neutral","sentiment_score":0.2706807851791382},{"text":"All good.","start":2263.9001,"end":2264.56,"sentiment":"positive","sentiment_score":0.5315073728561401},{"text":"Beautiful.","start":2264.78,"end":2265.28,"sentiment":"positive","sentiment_score":0.6383209228515625}],"sentiment":"neutral","sentiment_score":0.13991643694730904,"num_words":65,"start":2243.62,"end":2265.28},{"sentences":[{"text":"Excellent.","start":2265.82,"end":2266.3,"sentiment":"neutral","sentiment_score":0.2854328751564026},{"text":"Is there anything question wise that might come up that you need me to answer or help you with?","start":2266.3,"end":2271.5,"sentiment":"neutral","sentiment_score":0.0024754200130701065},{"text":"Or No.","start":2271.5,"end":2276.515,"sentiment":"neutral","sentiment_score":-0.12685487791895866},{"text":"That's okay.","start":2276.515,"end":2277.255,"sentiment":"neutral","sentiment_score":-0.007721800357103348},{"text":"Absolutely.","start":2284.275,"end":2284.775,"sentiment":"neutral","sentiment_score":0.15905483067035675}],"sentiment":"neutral","sentiment_score":0.008894693180918694,"num_words":25,"start":2265.82,"end":2284.775},{"sentences":[{"text":"Absolutely.","start":2285.475,"end":2285.975,"sentiment":"neutral","sentiment_score":0.18506333231925964},{"text":"No.","start":2300.2998,"end":2300.6199,"sentiment":"neutral","sentiment_score":-0.23109860718250275},{"text":"Look.","start":2300.6199,"end":2300.94,"sentiment":"neutral","sentiment_score":-0.1716228723526001},{"text":"You've gotta have dreams in life.","start":2300.94,"end":2302.78,"sentiment":"neutral","sentiment_score":-0.13310151733458042},{"text":"Life is, know, we go to work.","start":2302.78,"end":2304.405,"sentiment":"neutral","sentiment_score":-0.03894542104431561}],"sentiment":"neutral","sentiment_score":-0.08055532490834594,"num_words":16,"start":2285.475,"end":2304.405},{"sentences":[{"text":"The only wasn't I said the only thing that seems that mentally, the only thing a constant in life is death and taxes.","start":2304.405,"end":2310.8052,"sentiment":"neutral","sentiment_score":-0.24717126138832257},{"text":"So you've gotta have dreams.","start":2310.8052,"end":2312.245,"sentiment":"neutral","sentiment_score":-0.17854418158531188},{"text":"And if winning Lotto is one of those dreams, you dream away.","start":2312.245,"end":2315.865,"sentiment":"negative","sentiment_score":-0.3391682282090187},{"text":"No.","start":2337.185,"end":2337.685,"sentiment":"neutral","sentiment_score":-0.26015669107437134},{"text":"Understandable.","start":2337.905,"end":2338.405,"sentiment":"neutral","sentiment_score":-0.26454219222068787}],"sentiment":"neutral","sentiment_score":-0.2660089890871729,"num_words":42,"start":2304.405,"end":2338.405},{"sentences":[{"text":"Uh-huh.","start":2343.185,"end":2343.685,"sentiment":"neutral","sentiment_score":-0.09443864971399309},{"text":"Yeah.","start":2343.905,"end":2344.405,"sentiment":"neutral","sentiment_score":-0.07517698407173157},{"text":"Yeah.","start":2344.4648,"end":2344.7048,"sentiment":"neutral","sentiment_score":-0.14534610509872437},{"text":"I don't do anything.","start":2344.7048,"end":2345.765,"sentiment":"neutral","sentiment_score":-0.26330141723155975},{"text":"But I don't understand when it comes to overseas markets and yeah.","start":2346.28,"end":2350.7002,"sentiment":"neutral","sentiment_score":-0.2876648927728335}],"sentiment":"neutral","sentiment_score":-0.2536919011097205,"num_words":19,"start":2343.185,"end":2350.7002},{"sentences":[{"text":"The the rule around the lot of overseas are really bizarre.","start":2351.08,"end":2354.54,"sentiment":"negative","sentiment_score":-0.36533570831472223},{"text":"All good.","start":2359.155,"end":2359.715,"sentiment":"neutral","sentiment_score":0.1279510222375393},{"text":"But, look, honestly, thank you so much for your time.","start":2359.715,"end":2361.955,"sentiment":"positive","sentiment_score":0.3821397677063942},{"text":"Take some time to read through the document.","start":2361.955,"end":2363.5552,"sentiment":"neutral","sentiment_score":0.2547575756907463},{"text":"We outline everything I've completed there for you.","start":2363.5552,"end":2366.135,"sentiment":"neutral","sentiment_score":0.32364470325410366}],"sentiment":"neutral","sentiment_score":0.1201493631188686,"num_words":39,"start":2351.08,"end":2366.135},{"sentences":[{"text":"There's no additional implementation fees for the advisers.","start":2366.835,"end":2369.7952,"sentiment":"neutral","sentiment_score":0.1363446032628417},{"text":"All part of you being an ongoing client and paying the ongoing service fee there.","start":2369.7952,"end":2373.655,"sentiment":"neutral","sentiment_score":0.2747636338075002},{"text":"If you find you do have any questions, let me know.","start":2373.88,"end":2376.04,"sentiment":"neutral","sentiment_score":0.15367825058373538},{"text":"I'll do up a bit of an email shortly for you so you've got that there with my email address, and you're welcome to let me know if any questions come up from the document.","start":2376.04,"end":2383.18,"sentiment":"neutral","sentiment_score":0.18827394438641412},{"text":"Or if KPMC come back saying that there's something that you can't can't invest in, we can go back and alter it.","start":2383.24,"end":2389.295,"sentiment":"neutral","sentiment_score":-0.2080259986899116}],"sentiment":"neutral","sentiment_score":0.09797459529651391,"num_words":91,"start":2366.835,"end":2389.295},{"sentences":[{"text":"Okay.","start":2389.355,"end":2389.855,"sentiment":"neutral","sentiment_score":0.02067764289677143},{"text":"Yeah.","start":2400.0999,"end":2400.5999,"sentiment":"neutral","sentiment_score":-0.025234103202819824},{"text":"Yep.","start":2417.225,"end":2417.725,"sentiment":"neutral","sentiment_score":0.2395910918712616},{"text":"That's not a problem at all.","start":2417.865,"end":2419.625,"sentiment":"positive","sentiment_score":0.5921583970387777},{"text":"All good.","start":2419.625,"end":2420.025,"sentiment":"positive","sentiment_score":0.7717440128326416}],"sentiment":"positive","sentiment_score":0.48467936722392385,"num_words":11,"start":2389.355,"end":2420.025},{"sentences":[{"text":"Thank you so much for your time.","start":2420.025,"end":2421.305,"sentiment":"positive","sentiment_score":0.874895555632455},{"text":"I hope you have a good afternoon, and I hope you have a good weekend ahead.","start":2421.305,"end":2424.7449,"sentiment":"positive","sentiment_score":0.8063322566449642},{"text":"We're nearly there.","start":2424.7449,"end":2425.83,"sentiment":"positive","sentiment_score":0.6300919651985168},{"text":"Thanks, Anthony.","start":2430.07,"end":2430.87,"sentiment":"positive","sentiment_score":0.7248333096504211},{"text":"I'll talk to you soon.","start":2430.87,"end":2431.75,"sentiment":"positive","sentiment_score":0.5736236333847046}],"sentiment":"positive","sentiment_score":0.7646559296232281,"num_words":33,"start":2420.025,"end":2431.75},{"sentences":[{"text":"Enjoy the rest of your day.","start":2431.75,"end":2435.35,"sentiment":"positive","sentiment_score":0.5798437048991522},{"text":"Thanks.","start":2435.35,"end":2435.83,"sentiment":"positive","sentiment_score":0.5609899759292603},{"text":"See you later.","start":2435.83,"end":2436.47,"sentiment":"positive","sentiment_score":0.4655127028624217},{"text":"Bye.","start":2436.47,"end":2436.97,"sentiment":"neutral","sentiment_score":-0.09948672354221344}],"sentiment":"positive","sentiment_score":0.4851912354881113,"num_words":11,"start":2431.75,"end":2436.97}]}}]},{"alternatives":[{"transcript":"Exhausted work. Yeah. I know. Yep. Yep. Sure. Okay. No. I'll I'll probably I'll probably just read it in detail later, but just feel free to go through the summary or the key things on the call out or recommendations, stuff like that. Yep. I think I do. Yeah. Yes. Mhmm. Mhmm. Right. And I remember last year things were going quite okay. So has something shifted a lot? Is it just due to the market and stuff? Sure. Sure. So I remember last time people were saying, oh, let's not sell things too quickly because there's always ups and downs. So as long as as long as you feel we're not doing it too quickly and you're doing it in a controlled way. Okay. Yep. Yes. Mhmm. Mhmm. Absolutely apologize. It's it's fine. I will have some advice to look at it and update my ATM using what am I investing in. But so the ones yeah. So the one thing the one thing is are we the ones that we were removing from our portfolio, is that immediate or billing? Yeah. But my my question is, for the ones that we're removing, are we removing them in totality or we're still keeping is there some that we're reducing the number of shares we're still keeping it? Yep. Yep. Yep. So is that somewhere in the documents? Is it somewhere in the documents listed? Like yeah. Okay. Cool. Oh, that's good. So you're saying my passport the last it was performing not as great, but it wasn't so bad as an as an average. Awesome. Yeah. I did interrupt you before. So what was it? Was it was there anything else you wanted to go through? Yeah. Exactly. Exactly. Appreciate it. And that's it's nothing to apologize. But, like, let's like, if you wanna give a real and frank assessment of personal opinion, you know, I I'm happy to take criticism, but, like, how how is this really going? Like, am I wasting my time here? Is there a lot of a lot of stuff I'm missing out on compared to your other clients when they don't have an ethical kind of filter on their portfolio? Feel free to give me the real cold hard facts. Yes. Okay. Yeah. Yeah. Yeah. Yes. Yeah. Hello? Yeah. Yeah. So so I really appreciate your stuff and all the other team effort in this kinda as it's on the first, so I really appreciate it. But my question was not like, oh, I just dropped everything and get rid of anything. My my question was more someone else on average with a similar risk profile and then just having a standard, you know, a standard kind of portfolio with a bit of anything on everything. I was curious to be like, are they getting sustainable performance of, like, 10 or 15% year on year on our last five years, and then I'm sort of missing out on pretty much half of that, Or or are we actually almost very similar when it's just the same when it becomes the same with me? Cool. So that's that's that's good then. That's it's only a small change. Cool. Yes. So additional contributions additional contributions, how do I do Probably probably not the next twelve months because I'll be looking into going part time with work. So there'll be less coming in. And then, obviously, there'll be less money, you know, for me day to day, so I have to really, you know, count the pennies. So I'll go part time slowly soon if work will approve it. I'm looking to quit KPMG at some point. So then I don't wanna set up these salary sacrificing through what if I have to change all over again. So maybe just putting, you know, money manually into it. Can I do that anytime? We have 24. I have to do a special thing. Yes, please. Yes, please. Yes, please. Definitely. Yes, please. And let's say I start putting contributions in manually myself here and there. Do I have to let my tax accountant know this? Okay. Well, I don't have to do that. Okay. So if if we put stuff in the email, so I'll probably just contribute couple $100 at one random month It is a random Oh, yeah. I I appreciate that. Because I I don't wanna have to pay more more money to my tax account and stuff because he already has to do his depreciation schedule, all the stuff I have at home. He also has he also considers whatever he has to do because I already have salary sacrifice in a way through the various lease for my car, which is through my work. So I get some money to get out of my tax for that, which type of will have to stop and change if I quit PayPMG. Not a not a problem. Yeah. Yep. Yes, please. Yep. Yeah. Will do. No. I think that's all for now. Yeah. Let's hope I win South Florida so then we can start talking about other investments, not the super. Other portfolio, other strategies. Do I need do I need to have a first PA? Do I need to get independent order settings? Do I need to have a whole team? Uh-huh. Sorry. I will stop threatening for a second there. Exactly. Yeah. There was actually a dream that I had that I I last night night that I had bought a ticket in a $1,000,000,000,000 lottery or something overseas. Anyway but then those things don't really exist. I always I think I think they sometimes do. They they get humongously taxed overseas. Yeah. Yeah. But it's it's one of those funny things that they I can kind of look into it, but when I actually put into the system, it actually wants to know what it's purchased already. So it's sort of they can't more, like, tell me after the fact kinda thing. And also, there's also different rules. I can self declare that I'm on the order page, so it doesn't apply or something like that. So, yeah, I'll I'll look at the details. I'll get back to you in the next probably by a week. Yes. Appreciate it. Thank you. You too. All the best. Yes. You too. Thank you. 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work. Yeah. I know. Yep. Yep.\n\nSure. Okay. No. I'll I'll probably I'll probably just read it in detail later, but just feel free to go through the summary or the key things on the call out or recommendations, stuff like that. Yep.\n\nI think I do. Yeah. Yes. Mhmm. Mhmm.\n\nRight. And I remember last year things were going quite okay. So has something shifted a lot? Is it just due to the market and stuff? Sure.\n\nSure. So I remember last time people were saying, oh, let's not sell things too quickly because there's always ups and downs. So as long as as long as you feel we're not doing it too quickly and you're doing it in a controlled way. Okay. Yep.\n\nYes. Mhmm. Mhmm. Absolutely apologize. It's it's fine.\n\nI will have some advice to look at it and update my ATM using what am I investing in. But so the ones yeah. So the one thing the one thing is are we the ones that we were removing from our portfolio, is that immediate or billing? Yeah. But my my question is, for the ones that we're removing, are we removing them in totality or we're still keeping is there some that we're reducing the number of shares we're still keeping it?\n\nYep. Yep. Yep. So is that somewhere in the documents? Is it somewhere in the documents listed?\n\nLike yeah. Okay. Cool. Oh, that's good. So you're saying my passport the last it was performing not as great, but it wasn't so bad as an as an average.\n\nAwesome. Yeah. I did interrupt you before. So what was it? Was it was there anything else you wanted to go through?\n\nYeah. Exactly. Exactly. Appreciate it. And that's it's nothing to apologize.\n\nBut, like, let's like, if you wanna give a real and frank assessment of personal opinion, you know, I I'm happy to take criticism, but, like, how how is this really going? Like, am I wasting my time here? Is there a lot of a lot of stuff I'm missing out on compared to your other clients when they don't have an ethical kind of filter on their portfolio? Feel free to give me the real cold hard facts. Yes.\n\nOkay. Yeah. Yeah. Yeah. Yes.\n\nYeah. Hello? Yeah. Yeah. So so I really appreciate your stuff and all the other team effort in this kinda as it's on the first, so I really appreciate it.\n\nBut my question was not like, oh, I just dropped everything and get rid of anything. My my question was more someone else on average with a similar risk profile and then just having a standard, you know, a standard kind of portfolio with a bit of anything on everything. I was curious to be like, are they getting sustainable performance of, like, 10 or 15% year on year on our last five years, and then I'm sort of missing out on pretty much half of that, Or or are we actually almost very similar when it's just the same when it becomes the same with me? Cool. So that's that's that's good then.\n\nThat's it's only a small change. Cool. Yes. So additional contributions additional contributions, how do I do Probably probably not the next twelve months because I'll be looking into going part time with work. So there'll be less coming in.\n\nAnd then, obviously, there'll be less money, you know, for me day to day, so I have to really, you know, count the pennies. So I'll go part time slowly soon if work will approve it. I'm looking to quit KPMG at some point. So then I don't wanna set up these salary sacrificing through what if I have to change all over again. So maybe just putting, you know, money manually into it.\n\nCan I do that anytime? We have 24. I have to do a special thing. Yes, please. Yes, please.\n\nYes, please. Definitely. Yes, please. And let's say I start putting contributions in manually myself here and there. Do I have to let my tax accountant know this?\n\nOkay. Well, I don't have to do that. Okay. So if if we put stuff in the email, so I'll probably just contribute couple $100 at one random month It is a random Oh, yeah. I I appreciate that.\n\nBecause I I don't wanna have to pay more more money to my tax account and stuff because he already has to do his depreciation schedule, all the stuff I have at home. He also has he also considers whatever he has to do because I already have salary sacrifice in a way through the various lease for my car, which is through my work. So I get some money to get out of my tax for that, which type of will have to stop and change if I quit PayPMG. Not a not a problem. Yeah.\n\nYep. Yes, please. Yep. Yeah. Will do.\n\nNo. I think that's all for now. Yeah. Let's hope I win South Florida so then we can start talking about other investments, not the super. Other portfolio, other strategies.\n\nDo I need do I need to have a first PA? Do I need to get independent order settings? Do I need to have a whole team? Uh-huh. Sorry.\n\nI will stop threatening for a second there. Exactly. Yeah. There was actually a dream that I had that I I last night night that I had bought a ticket in a $1,000,000,000,000 lottery or something overseas. Anyway but then those things don't really exist.\n\nI always I think I think they sometimes do. They they get humongously taxed overseas. Yeah. Yeah. But it's it's one of those funny things that they I can kind of look into it, but when I actually put into the system, it actually wants to know what it's purchased already.\n\nSo it's sort of they can't more, like, tell me after the fact kinda thing. And also, there's also different rules. I can self declare that I'm on the order page, so it doesn't apply or something like that. So, yeah, I'll I'll look at the details. I'll get back to you in the next probably by a week.\n\nYes. Appreciate it. Thank you. You too. All the best.\n\nYes. You too. Thank you. 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I'll probably I'll probably just read it in detail later, but just feel free to go through the summary or the key things on the call out or recommendations, stuff like that.","start":45.645,"end":53.725,"sentiment":"neutral","sentiment_score":0.0550273707080068},{"text":"Yep.","start":53.725,"end":54.225,"sentiment":"neutral","sentiment_score":0.12533925473690033}],"sentiment":"neutral","sentiment_score":0.06203417313864102,"num_words":37,"start":33.37,"end":54.225},{"sentences":[{"text":"I think I 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lot?","start":377.845,"end":379.445,"sentiment":"neutral","sentiment_score":-0.0866631455719471},{"text":"Is it just due to the market and stuff?","start":379.445,"end":381.545,"sentiment":"neutral","sentiment_score":-0.05954464069671101},{"text":"Sure.","start":420.99,"end":421.49,"sentiment":"neutral","sentiment_score":-0.10978539288043976}],"sentiment":"neutral","sentiment_score":-0.05238259480231338,"num_words":27,"start":371.05,"end":421.49},{"sentences":[{"text":"Sure.","start":433.015,"end":433.495,"sentiment":"neutral","sentiment_score":-0.041706450283527374},{"text":"So I remember last time people were saying, oh, let's not sell things too quickly because there's always ups and downs.","start":433.495,"end":442.09,"sentiment":"neutral","sentiment_score":-0.10809295110049702},{"text":"So as long as as long as you feel we're not doing it too quickly and you're doing it in a controlled way.","start":442.09,"end":447.31,"sentiment":"neutral","sentiment_score":-0.07659489054070867},{"text":"Okay.","start":516.065,"end":516.565,"sentiment":"neutral","sentiment_score":0.31792497634887695},{"text":"Yep.","start":559.74,"end":560.24,"sentiment":"neutral","sentiment_score":0.1300361603498459}],"sentiment":"neutral","sentiment_score":-0.07713573976875619,"num_words":47,"start":433.015,"end":560.24},{"sentences":[{"text":"Yes.","start":718.265,"end":718.765,"sentiment":"neutral","sentiment_score":0.15707096457481384},{"text":"Mhmm.","start":746.80505,"end":747.30505,"sentiment":"neutral","sentiment_score":0.02746783383190632},{"text":"Mhmm.","start":849.97504,"end":850.47504,"sentiment":"neutral","sentiment_score":0.07390010356903076},{"text":"Absolutely apologize.","start":971.33997,"end":972.48,"sentiment":"neutral","sentiment_score":-0.12135182321071625},{"text":"It's it's fine.","start":972.54,"end":973.52,"sentiment":"neutral","sentiment_score":0.0328090526163578}],"sentiment":"neutral","sentiment_score":0.014270301675423981,"num_words":8,"start":718.265,"end":973.52},{"sentences":[{"text":"I will have some advice to look at it and update my ATM using what am I investing in.","start":974.45996,"end":981.52,"sentiment":"neutral","sentiment_score":0.04235004555237921},{"text":"But so the ones yeah.","start":982.54504,"end":987.025,"sentiment":"neutral","sentiment_score":0.035694293677806854},{"text":"So the one thing the one thing is are we the ones that we were removing from our portfolio, is that immediate or billing?","start":987.025,"end":994.62,"sentiment":"neutral","sentiment_score":0.01286811629931132},{"text":"Yeah.","start":1028.13,"end":1028.53,"sentiment":"neutral","sentiment_score":-0.0175106693059206},{"text":"But my my question is, for the ones that we're removing, are we removing them in totality or we're still keeping is there some that we're reducing the number of shares we're still keeping it?","start":1028.53,"end":1039.085,"sentiment":"neutral","sentiment_score":-0.18051465717809542}],"sentiment":"neutral","sentiment_score":-0.060042458874661295,"num_words":84,"start":974.45996,"end":1039.085},{"sentences":[{"text":"Yep.","start":1072.485,"end":1072.8049,"sentiment":"neutral","sentiment_score":0.03264789283275604},{"text":"Yep.","start":1072.8049,"end":1073.045,"sentiment":"neutral","sentiment_score":0.033129844814538956},{"text":"Yep.","start":1073.045,"end":1073.365,"sentiment":"neutral","sentiment_score":0.03349725902080536},{"text":"So is that somewhere in the documents?","start":1073.365,"end":1075.945,"sentiment":"neutral","sentiment_score":0.0025800602244479315},{"text":"Is it somewhere in the documents listed?","start":1076.005,"end":1077.845,"sentiment":"neutral","sentiment_score":-0.006751334693815027}],"sentiment":"neutral","sentiment_score":0.004122122081325334,"num_words":17,"start":1072.485,"end":1077.845},{"sentences":[{"text":"Like yeah.","start":1077.845,"end":1079.205,"sentiment":"neutral","sentiment_score":0.01819011941552162},{"text":"Okay.","start":1079.205,"end":1079.525,"sentiment":"neutral","sentiment_score":0.13522391021251678},{"text":"Cool.","start":1079.525,"end":1080.025,"sentiment":"positive","sentiment_score":0.4260584414005279},{"text":"Oh, that's good.","start":1171.6399,"end":1172.7,"sentiment":"neutral","sentiment_score":0.2691597839196523},{"text":"So you're saying my passport the last it was performing not as great, but it wasn't so bad as an as an average.","start":1172.7599,"end":1179.195,"sentiment":"neutral","sentiment_score":0.012496829063267163}],"sentiment":"neutral","sentiment_score":0.05641896702193965,"num_words":30,"start":1077.845,"end":1179.195},{"sentences":[{"text":"Awesome.","start":1289.8899,"end":1290.3899,"sentiment":"positive","sentiment_score":0.5318013429641724},{"text":"Yeah.","start":1290.5299,"end":1290.7699,"sentiment":"neutral","sentiment_score":0.2093758285045624},{"text":"I did interrupt you before.","start":1290.7699,"end":1291.97,"sentiment":"neutral","sentiment_score":0.05284172035753727},{"text":"So what was it?","start":1291.97,"end":1292.85,"sentiment":"neutral","sentiment_score":0.016234944108873606},{"text":"Was it was there anything else you wanted to go through?","start":1292.85,"end":1297.025,"sentiment":"neutral","sentiment_score":0.025656430474059147}],"sentiment":"neutral","sentiment_score":0.061479376586662096,"num_words":22,"start":1289.8899,"end":1297.025},{"sentences":[{"text":"Yeah.","start":1354.765,"end":1355.005,"sentiment":"neutral","sentiment_score":0.09827446937561037},{"text":"Exactly.","start":1355.005,"end":1355.505,"sentiment":"neutral","sentiment_score":0.166288360953331},{"text":"Exactly.","start":1355.565,"end":1356.065,"sentiment":"neutral","sentiment_score":0.2985716164112091},{"text":"Appreciate it.","start":1359.565,"end":1360.205,"sentiment":"positive","sentiment_score":0.502101331949234},{"text":"And that's it's nothing to apologize.","start":1360.205,"end":1361.585,"sentiment":"neutral","sentiment_score":0.13770785120626292}],"sentiment":"neutral","sentiment_score":0.21759856526147237,"num_words":11,"start":1354.765,"end":1361.585},{"sentences":[{"text":"But, like, let's like, if you wanna give a real and frank assessment of personal opinion, you know, I I'm happy to take criticism, but, like, how how is this really going?","start":1362.605,"end":1375.68,"sentiment":"neutral","sentiment_score":0.09939553868025541},{"text":"Like, am I wasting my time here?","start":1375.68,"end":1377.36,"sentiment":"neutral","sentiment_score":-0.14293221810034343},{"text":"Is there a lot of a lot of stuff I'm missing out on compared to your other clients when they don't have an ethical kind of filter on their portfolio?","start":1377.36,"end":1385.355,"sentiment":"neutral","sentiment_score":-0.27073922206958134},{"text":"Feel free to give me the real cold hard facts.","start":1386.375,"end":1389.115,"sentiment":"neutral","sentiment_score":-0.15399961173534393},{"text":"Yes.","start":1503.16,"end":1503.66,"sentiment":"neutral","sentiment_score":-0.03318449482321739}],"sentiment":"neutral","sentiment_score":-0.0939403195399791,"num_words":80,"start":1362.605,"end":1503.66},{"sentences":[{"text":"Okay.","start":1517.745,"end":1518.245,"sentiment":"neutral","sentiment_score":0.023839648813009266},{"text":"Yeah.","start":1536.38,"end":1536.5399,"sentiment":"neutral","sentiment_score":0.08535008132457733},{"text":"Yeah.","start":1536.5399,"end":1536.7,"sentiment":"neutral","sentiment_score":0.10217653214931488},{"text":"Yeah.","start":1536.7,"end":1537.005,"sentiment":"neutral","sentiment_score":0.1339448094367981},{"text":"Yes.","start":1642.36,"end":1642.86,"sentiment":"neutral","sentiment_score":0.06591109931468964}],"sentiment":"neutral","sentiment_score":0.08224443420767784,"num_words":5,"start":1517.745,"end":1642.86},{"sentences":[{"text":"Yeah.","start":1667.35,"end":1667.85,"sentiment":"neutral","sentiment_score":0.04732542484998703},{"text":"Hello?","start":1698.62,"end":1699.12,"sentiment":"positive","sentiment_score":0.3892800807952881},{"text":"Yeah.","start":1742.9349,"end":1743.36,"sentiment":"neutral","sentiment_score":0.09502725303173064},{"text":"Yeah.","start":1743.6,"end":1743.84,"sentiment":"neutral","sentiment_score":0.17585568130016327},{"text":"So so I really appreciate your stuff and all the other team effort in this kinda as it's on the first, so I really appreciate it.","start":1743.84,"end":1752.0,"sentiment":"positive","sentiment_score":0.529320722589126}],"sentiment":"positive","sentiment_score":0.48232757424314815,"num_words":30,"start":1667.35,"end":1752.0},{"sentences":[{"text":"But my question was not like, oh, I just dropped everything and get rid of anything.","start":1752.0,"end":1756.72,"sentiment":"neutral","sentiment_score":-0.20093296247068793},{"text":"My my question was more someone else on average with a similar risk profile and then just having a standard, you know, a standard kind of portfolio with a bit of anything on everything.","start":1756.72,"end":1773.73,"sentiment":"neutral","sentiment_score":-0.13523418883628704},{"text":"I was curious to be like, are they getting sustainable performance of, like, 10 or 15% year on year on our last five years, and then I'm sort of missing out on pretty much half of that, Or or are we actually almost very similar when it's just the same when it becomes the same with me?","start":1774.51,"end":1794.025,"sentiment":"neutral","sentiment_score":-0.02738406558177973},{"text":"Cool.","start":1827.8251,"end":1828.3251,"sentiment":"neutral","sentiment_score":0.3004304766654968},{"text":"So that's that's that's good then.","start":1828.545,"end":1830.9601,"sentiment":"neutral","sentiment_score":0.2780957023302714}],"sentiment":"neutral","sentiment_score":-0.06495418304806216,"num_words":114,"start":1752.0,"end":1830.9601},{"sentences":[{"text":"That's it's only a small change.","start":1830.9601,"end":1834.72,"sentiment":"neutral","sentiment_score":0.14564837887883186},{"text":"Cool.","start":1834.72,"end":1835.22,"sentiment":"neutral","sentiment_score":0.24938061833381653},{"text":"Yes.","start":1835.52,"end":1835.8401,"sentiment":"neutral","sentiment_score":0.14110592007637024},{"text":"So additional contributions additional contributions, how do I do Probably probably not the next twelve months because I'll be looking into going part time with work.","start":1835.8401,"end":1911.515,"sentiment":"neutral","sentiment_score":-0.14675314624149066},{"text":"So there'll be less coming in.","start":1911.86,"end":1913.24,"sentiment":"neutral","sentiment_score":-0.24921198189258575}],"sentiment":"neutral","sentiment_score":-0.10116192204877734,"num_words":40,"start":1830.9601,"end":1913.24},{"sentences":[{"text":"And then, obviously, there'll be less money, you know, for me day to day, so I have to really, you know, count the pennies.","start":1913.9401,"end":1920.6,"sentiment":"neutral","sentiment_score":-0.1709498946244518},{"text":"So I'll go part time slowly soon if work will approve it.","start":1920.9,"end":1924.785,"sentiment":"neutral","sentiment_score":-0.021851512758682173},{"text":"I'm looking to quit KPMG at some point.","start":1924.9451,"end":1927.185,"sentiment":"neutral","sentiment_score":-0.11709463316947222},{"text":"So then I don't wanna set up these salary sacrificing through what if I have to change all over again.","start":1927.185,"end":1932.3251,"sentiment":"neutral","sentiment_score":-0.2652081064879894},{"text":"So maybe just putting, you know, money manually into it.","start":1934.9451,"end":1938.6299,"sentiment":"neutral","sentiment_score":-0.009878223529085517}],"sentiment":"neutral","sentiment_score":-0.14465833857428986,"num_words":74,"start":1913.9401,"end":1938.6299},{"sentences":[{"text":"Can I do that anytime?","start":1938.6299,"end":1939.83,"sentiment":"neutral","sentiment_score":0.04293196201324463},{"text":"We have 24.","start":1939.83,"end":1940.71,"sentiment":"neutral","sentiment_score":0.025792883709073067},{"text":"I have to do a special thing.","start":1940.71,"end":1942.25,"sentiment":"neutral","sentiment_score":0.020199251494237354},{"text":"Yes, please.","start":1996.8301,"end":1997.5701,"sentiment":"neutral","sentiment_score":0.19663940370082855},{"text":"Yes, please.","start":2002.91,"end":2003.81,"sentiment":"neutral","sentiment_score":0.16053497791290283}],"sentiment":"neutral","sentiment_score":0.060409578151608766,"num_words":19,"start":1938.6299,"end":2003.81},{"sentences":[{"text":"Yes, please.","start":2004.3049,"end":2004.705,"sentiment":"neutral","sentiment_score":0.2051856815814972},{"text":"Definitely.","start":2004.705,"end":2005.1849,"sentiment":"neutral","sentiment_score":0.28610503673553467},{"text":"Yes, please.","start":2005.1849,"end":2005.9249,"sentiment":"positive","sentiment_score":0.33439232409000397},{"text":"And let's say I start putting contributions in manually myself here and there.","start":2006.3049,"end":2011.745,"sentiment":"neutral","sentiment_score":0.13362811563106683},{"text":"Do I have to let my tax accountant know this?","start":2011.745,"end":2014.165,"sentiment":"neutral","sentiment_score":0.03459561336785555}],"sentiment":"neutral","sentiment_score":0.12315652446289148,"num_words":28,"start":2004.3049,"end":2014.165},{"sentences":[{"text":"Okay.","start":2065.385,"end":2065.885,"sentiment":"neutral","sentiment_score":0.09736183285713196},{"text":"Well, I don't have to do that.","start":2066.1848,"end":2067.805,"sentiment":"neutral","sentiment_score":0.007668874625648771},{"text":"Okay.","start":2104.3098,"end":2104.8098,"sentiment":"neutral","sentiment_score":0.10298356413841248},{"text":"So if if we put stuff in the email, so I'll probably just contribute couple $100 at one random month It is a random Oh, yeah.","start":2105.51,"end":2125.185,"sentiment":"neutral","sentiment_score":0.11335552856326103},{"text":"I I appreciate that.","start":2125.185,"end":2126.67,"sentiment":"positive","sentiment_score":0.39194709062576294}],"sentiment":"neutral","sentiment_score":0.12228358011597242,"num_words":39,"start":2065.385,"end":2126.67},{"sentences":[{"text":"Because I I don't wanna have to pay more more money to my tax account and stuff because he already has to do his depreciation schedule, all the stuff I have at home.","start":2127.47,"end":2135.3298,"sentiment":"neutral","sentiment_score":-0.3304542912678285},{"text":"He also has he also considers whatever he has to do because I already have salary sacrifice in a way through the various lease for my car, which is through my work.","start":2135.63,"end":2147.435,"sentiment":"neutral","sentiment_score":-0.004791951592778787},{"text":"So I get some money to get out of my tax for that, which type of will have to stop and change if I quit PayPMG.","start":2148.135,"end":2155.0898,"sentiment":"neutral","sentiment_score":-0.0008235071212626421},{"text":"Not a not a problem.","start":2156.0298,"end":2157.3298,"sentiment":"neutral","sentiment_score":0.16978974640369415},{"text":"Yeah.","start":2160.67,"end":2161.17,"sentiment":"neutral","sentiment_score":0.0742209404706955}],"sentiment":"neutral","sentiment_score":-0.10470696469557654,"num_words":97,"start":2127.47,"end":2161.17},{"sentences":[{"text":"Yep.","start":2170.7148,"end":2171.2148,"sentiment":"neutral","sentiment_score":0.07486023008823395},{"text":"Yes, please.","start":2216.6,"end":2217.34,"sentiment":"neutral","sentiment_score":0.0509827621281147},{"text":"Yep.","start":2239.23,"end":2239.73,"sentiment":"neutral","sentiment_score":0.06404278427362442},{"text":"Yeah.","start":2261.175,"end":2261.675,"sentiment":"neutral","sentiment_score":0.14332473278045654},{"text":"Will do.","start":2262.455,"end":2263.195,"sentiment":"neutral","sentiment_score":0.2079101949930191}],"sentiment":"neutral","sentiment_score":0.11428766591208321,"num_words":7,"start":2170.7148,"end":2263.195},{"sentences":[{"text":"No.","start":2273.3,"end":2273.54,"sentiment":"neutral","sentiment_score":-0.2724885940551758},{"text":"I think that's all for now.","start":2273.54,"end":2275.0,"sentiment":"neutral","sentiment_score":-0.25404754281044006},{"text":"Yeah.","start":2277.7002,"end":2278.2002,"sentiment":"neutral","sentiment_score":0.1588493138551712},{"text":"Let's hope I win South Florida so then we can start talking about other investments, not the super.","start":2279.035,"end":2283.695,"sentiment":"neutral","sentiment_score":0.21648545066515604},{"text":"Other portfolio, other strategies.","start":2284.235,"end":2286.335,"sentiment":"neutral","sentiment_score":0.1305774413049221}],"sentiment":"neutral","sentiment_score":0.09270411133766174,"num_words":30,"start":2273.3,"end":2286.335},{"sentences":[{"text":"Do I need do I need to have a first PA?","start":2287.835,"end":2291.355,"sentiment":"neutral","sentiment_score":0.009406050159172579},{"text":"Do I need to get independent order settings?","start":2291.355,"end":2294.07,"sentiment":"neutral","sentiment_score":-0.0012692662421613932},{"text":"Do I need to have a whole team?","start":2294.45,"end":2295.81,"sentiment":"neutral","sentiment_score":-0.008709840942174196},{"text":"Uh-huh.","start":2295.81,"end":2296.29,"sentiment":"neutral","sentiment_score":-0.03521621227264404},{"text":"Sorry.","start":2296.29,"end":2296.6099,"sentiment":"neutral","sentiment_score":-0.12762965261936188}],"sentiment":"neutral","sentiment_score":-0.004800419676406631,"num_words":29,"start":2287.835,"end":2296.6099},{"sentences":[{"text":"I will stop threatening for a second there.","start":2296.6099,"end":2298.95,"sentiment":"neutral","sentiment_score":-0.28459759801626205},{"text":"Exactly.","start":2318.915,"end":2319.395,"sentiment":"neutral","sentiment_score":0.017244378104805946},{"text":"Yeah.","start":2319.395,"end":2319.795,"sentiment":"neutral","sentiment_score":-0.016845062375068665},{"text":"There was actually a dream that I had that I I last night night that I had bought a ticket in a $1,000,000,000,000 lottery or something overseas.","start":2319.795,"end":2329.3901,"sentiment":"neutral","sentiment_score":-0.05870189438401549},{"text":"Anyway but then those things don't really exist.","start":2331.61,"end":2335.305,"sentiment":"neutral","sentiment_score":-0.20617082901299}],"sentiment":"neutral","sentiment_score":-0.12245998330828216,"num_words":45,"start":2296.6099,"end":2335.305},{"sentences":[{"text":"I always I think I think they sometimes do.","start":2336.585,"end":2338.845,"sentiment":"neutral","sentiment_score":-0.18364292714330885},{"text":"They they get humongously taxed overseas.","start":2338.905,"end":2341.4849,"sentiment":"negative","sentiment_score":-0.3660016159216563},{"text":"Yeah.","start":2389.8098,"end":2390.3098,"sentiment":"neutral","sentiment_score":0.02622186951339245},{"text":"Yeah.","start":2390.9949,"end":2391.2349,"sentiment":"neutral","sentiment_score":-0.052854448556900024},{"text":"But it's it's one of those funny things that they I can kind of look into it, but when I actually put into the system, it actually wants to know what it's purchased already.","start":2391.2349,"end":2398.375,"sentiment":"neutral","sentiment_score":0.031170947805923575}],"sentiment":"neutral","sentiment_score":-0.055208164577682815,"num_words":51,"start":2336.585,"end":2398.375},{"sentences":[{"text":"So it's sort of they can't more, like, tell me after the fact kinda thing.","start":2398.755,"end":2404.31,"sentiment":"neutral","sentiment_score":-0.1000946863554418},{"text":"And also, there's also different rules.","start":2404.4502,"end":2406.1301,"sentiment":"neutral","sentiment_score":-0.05935218371450901},{"text":"I can self declare that I'm on the order page, so it doesn't apply or something like that.","start":2406.1301,"end":2410.77,"sentiment":"neutral","sentiment_score":-0.03301083137436459},{"text":"So, yeah, I'll I'll look at the details.","start":2410.77,"end":2412.7102,"sentiment":"neutral","sentiment_score":0.07193717360496521},{"text":"I'll get back to you in the next probably by a week.","start":2413.1702,"end":2415.495,"sentiment":"neutral","sentiment_score":0.11142498751481374}],"sentiment":"neutral","sentiment_score":-0.009137815649826395,"num_words":59,"start":2398.755,"end":2415.495},{"sentences":[{"text":"Yes.","start":2426.375,"end":2426.8552,"sentiment":"positive","sentiment_score":0.556344211101532},{"text":"Appreciate it.","start":2426.8552,"end":2427.3352,"sentiment":"positive","sentiment_score":0.7890567183494568},{"text":"Thank you.","start":2427.3352,"end":2427.7808,"sentiment":"positive","sentiment_score":0.7626366913318634},{"text":"You too.","start":2427.7808,"end":2428.1008,"sentiment":"positive","sentiment_score":0.6160933375358582},{"text":"All the best.","start":2428.1008,"end":2429.0808,"sentiment":"positive","sentiment_score":0.6884981393814087}],"sentiment":"positive","sentiment_score":0.6957412123680115,"num_words":10,"start":2426.375,"end":2429.0808},{"sentences":[{"text":"Yes.","start":2433.3809,"end":2433.6208,"sentiment":"positive","sentiment_score":0.38645344972610474},{"text":"You too.","start":2433.6208,"end":2434.0208,"sentiment":"positive","sentiment_score":0.4283136576414108},{"text":"Thank you.","start":2434.0208,"end":2434.7607,"sentiment":"positive","sentiment_score":0.5863873660564423},{"text":"Bye.","start":2435.1409,"end":2435.6409,"sentiment":"positive","sentiment_score":0.3465639352798462}],"sentiment":"positive","sentiment_score":0.4604032387336095,"num_words":6,"start":2433.3809,"end":2435.6409}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Anthony. This is Dana from OC Financial. How are you this morning or this afternoon?\n\nChannel 1: Exhausted work. Yeah. I know.\n\nChannel 0: Understandable. I had you booked in just to go through your updated statement of advice now. Is now still a good time there for you?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Fantastic. Do you have access to your emails there at the moment? I normally just send the documents through to you via email so we can kinda go through it together.\n\nChannel 1: Sure.\n\nChannel 0: If\n\nChannel 1: Okay.\n\nChannel 0: you don't that's okay. If you don't, I can just go through the recommendations, and then you're welcome to read it later. It's up to you.\n\nChannel 1: No. I'll I'll probably I'll probably just read it in detail later, but just feel free to go through the summary or the key things on the call out or recommendations, stuff like that. Yep.\n\nChannel 0: Yes. Yeah. That's absolutely fine. Not a problem at all. I will send it through now to you so it's in your email so when you get a chance to have a look at it later on.\n\nAny questions that you do have, please let me know. What I'd probably ask, if you can, you can reply\n\nChannel 1: I\n\nChannel 0: back to the OdooSign email, but you've got my direct email there as well because I've emailed you in the past. Do you still have that at all?\n\nChannel 1: think I do. Yeah.\n\nChannel 0: Yeah. If not, after the call, I'll send you another email so it's there. It's just when you reply back to OdooSign, sometimes that doesn't come to me directly. So it means I can't reply to the email directly. If you have any questions, pop them in an email to me directly, and that way I can answer them and email you back just to make it easier just so that we eliminate the risk of it not coming direct to me.\n\nChannel 1: Yes.\n\nChannel 0: Okay? Yeah. Beautiful. I'll send you an email afterwards just to say, hey. Here's my email address.\n\nKeep this set aside somewhere. That way, you can always email me back and forth just to make it easier on you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. So with this advice piece, just to sort of hit the target points that I have to hit on, on the front page, it does have my license number for you. My license number registered with ASIC is 1304394. The\n\nChannel 1: Mhmm.\n\nChannel 0: main sort of areas with this advice is looking at the superannuation side of things. So you're more ethically invested. That's where your interest lie, which is absolutely fine, but we had obviously noted that ethical investors haven't been performing very well. Some of it is because of the markets as a whole. Others is that some ethical investors aren't performing greater.\n\nSo you asked me to go back and have a really good look around the market to see if there's any additional areas that we're maybe not touching on with regard to the portfolio and to see if there's some, you know, other areas ethically that we could move into. We did do that. It took a little bit to get the investment portfolio built up. I'm not gonna lie. There's a lot of it ethical investments that we could sort of utilize.\n\nThere's a lot that are performing really poorly at the moment. Twenty twenty one, twenty two was kind of a height for this sort of area, and since then, a lot of a lot of investments aren't performing very well. So I went back, and we've kind of built a portfolio. This did have to go through my life and see because this portfolio has been built solely for you. They had to approve this portfolio prior to us making the recommendation to make sure they were happy with the portfolio and making sure it's in the line with everything we had in our investment committee's investments aligned, essentially.\n\nSo this is solely being built for yourself. So have a look through it when you do. If you have any questions, come back and let me know there. With the portfolio as a whole sorry. I'm just moving down to the correct page there for you.\n\nEssentially, what we're gonna do with the portfolio is we're gonna start by essentially just reducing exposure into the BetaShares global sustainable leaders. That is a good investment, has been working really well in your portfolio there, but I am sort of branching out into other areas, so we did need to reduce the exposure here a little bit for you. So we're moving you back from 24.46% to about 9%, so it does mean selling off a little bit of portfolio. The beta shares Australian sustainable leaders investment, so fair, that hasn't been performing very, very well. So I look to replace that with another diversified Australian ethical investment, and I'll be removing that completely from your portfolio.\n\nYou originally had requested the beta share cybersecurity, so it has to be added to your portfolio. That was added through a transaction without advice. Having a look at it, Hack is not a bad investment. There's no ethical sustainability. It's not it's not an ethical investment in any way, but it's something that you wanted to have in your portfolio previously.\n\nSo I have looked to keep that there for you. It is giving you exposure to a specific long term growth cybersecurity market, and there are is a lot more growth to be have within that market there at the moment. Essentially, your portfolio is a little bit overweighted. I wanna hold about 4% in there for you just to give you a bit of a weighting. It is a somatic sort of ETF investment.\n\nYou've got about 5.52% there at the moment, so we're just gonna kinda rebalance that back a little bit. But I am recommending that we do hold that as part of the portfolio now and moving forward there for you. With the Australian Vanguard fixed interest index, it hasn't really been performing very well, so we are looking to move that down. When we sort of look at the five year rolling average on this investment, it's down pretty heavily. The five years at the moment, it's showing about 11.21% down over the five years.\n\nJust kind of wanted to move that out and put something in its place that's a little bit performing better and, yeah, looking at other areas there for you as well. So given the long term investment time horizon and your growth risk profile, we've decided to remove this wholly and look at more positive growth areas for you and keeping still keeping some defensive investments in there. We're looking at some other areas for this one here. With\n\nChannel 1: Right.\n\nChannel 0: the Vanguard you're right. So sorry. Did you wanna ask the question?\n\nChannel 1: And I remember last year things were going quite okay. So has something shifted a lot? Is it just due to the market and stuff?\n\nChannel 0: It fixed yeah. Fixed interest has taken a bit of a hit. Bonds and fixed interest markets are affected by inflationary pressures essentially within us the Australian market. We have seen quite a bit of inflationary pressures, and, also, they're just not doing so well at the moment. So when we kind of look at how this investment has been performing over the past sort of one to two years, it's had its ups and downs.\n\nIt's not being too bad, but, realistically, it's kind of holding your portfolio back. So it's best to kind of remove that and find other areas to be able to move and hold some defensive investments, essentially. So\n\nChannel 1: Sure.\n\nChannel 0: as a whole, looking at the five years, it's down over the course of the five years all up, so it's better just to kind of look at removing that and try to find some other areas for you to invest in essentially.\n\nChannel 1: Sure. So I remember last time people were saying, oh, let's not sell things too quickly because there's always ups and downs. So as long as as long as you feel\n\nChannel 0: Yeah.\n\nChannel 1: we're not doing it too quickly and you're doing it in a controlled way.\n\nChannel 0: Yeah. Absolutely. Yeah. No. Definitely.\n\nDefinitely. We did go back and sort of reweight this against, you know, the other areas there, and we do feel that moving this investment is a good move for the moment. You're still gonna hold some defensive investments within your portfolio. Essentially, instead of having just the Vanguard fixed interest, we're actually gonna have in there the core composite bond. So this investment is giving you exposure to government and corporate and subcorporate bonds.\n\nBonds are good defensively. They tend to pay income, income which is paid in your cash account and reinvested back. So we are replacing the Vanguard fixed interest investments with defensive investments. It's just that we're changing the nature of those investment side of things. And at the moment with your waiting, when I kinda went back and looked at it, you're more of a growth investment profile, which is at eighty twenty kind of split.\n\nYou're actually more in a balanced growth environment. So, overall, your entire portfolio is slightly underweighted for where your risk profile is. So this is kind of bringing you back up a little bit, if that makes sense, and increasing your growth exposure into the market.\n\nChannel 1: Okay.\n\nChannel 0: All good. Sorry. If I lose my voice, I do apologize. The next sort of target that we're looking at is the Vanguard diversified conservative index. So, again, you are a bit underweighted as I mentioned before.\n\nYour portfolio is more weighted towards the 70% of growth assets. So I'm looking to remove this because we are bringing out more of those growth investments and trying to kind of bring you back to a more of a risk profile waiting that's right for your portfolio. So we are looking to diversify into other growth areas to try and promote that growth side of things a little bit. So we are looking to remove the Vanguard diversified conservative index investment out of there as well.\n\nChannel 1: Yep.\n\nChannel 0: We're going to also you have the the FTDR S and P World x Carbon Aware investment. That one also is down a little bit as well, so we are looking to remove that solely from the portfolio. We are replacing that with an exposure into other ethical and EFC focused international investments to provide greater diversification for you as well because, obviously, we wanna have more growth assets and kind of rewrite your portfolio. We also wanna make sure we're diversified across the market, across the world, and across as many industries as possible. That way, we're helping to overall reduce the risk or the market risk of your portfolio as much as physically possible.\n\nYou've got the we're also putting in there so we are taking out the the fair, the beta shares Australian sustainable leaders, which is the Australian exposure there, and we're replacing that with the Vanguard equity conscious Australian shares. We wanna hold about 30% of this investment within the portfolio, so we'll be buying into that one. This one here invests in Australian companies that meet the ethical and responsible investment criteria. It focuses around the largest the large cap kind of space within that ethical environment. And when we sort of look at how Australian ethical investments have performed, This one has shown greater past performance than the fair.\n\nIt is up at the moment and doing much better, so we feel like replacing that is a really good move for you. It obviously is still something we do wanna monitor moving forward, and I do wanna do a bit of a catch up down the track to make sure that these are working. If any of these need to be replaced, we'll keep, you know, making sure we do we do so. But this investment essentially provides a strong Australian ethical exposure and is intended to perform greater over the longer term based on past data and research materials. So that's still giving you some Australian exposure into the equity conscious area.\n\nWe've also then got the iShares core, Missy World x Australian ESG investment, and this one here is giving you a bit more diversified international exposure. It reduces reliance on the Australian market. It's obviously not encompassing any Australian shares. That's because we have the last one, the Vanguard, as it's a conscious Australian shares in there. This is just looking at globally to try and take advantage of global markets, and it's focused across the entire globe, not just a few different countries.\n\nChannel 1: Yes.\n\nChannel 0: Historically, this has provided greater kind of performance, and we sort of know sort of based on past data, international investments do perform much greater, So we do wanna keep that international exposure there for you. So in your portfolio, we wanna hold about 25% of this investment there for you. Okay? Some other areas that we haven't taken advantage of in the past that that would be good to look at and are sort of providing some greater diversification is\n\nChannel 1: Mhmm.\n\nChannel 0: the beta shares electric vehicle and motor motor ability to drive only targeting about 4% of this investment because it is more of a somatic themed investment. It does provide a small allocation to a long term investment themed focus on changes in transport and technology, and it's an ethically driven one. So it's focused on ethical motor vehicles, mobility, and things like that for you. So it's an area that didn't wasn't really in your portfolio before. Would like to see happen here.\n\nIt is more of a same DTS. They're not holding a lot of it, and we do wanna obviously check on this down the track because there is a risk that it could have a bit of a downturn, then it is more of a same DTS. But it is an area that exposure has been looking good for and could have some really great growth down the track there, and it does look to be performing fairly well currently. Okay. We've also added in our food.\n\nSo the beta shares a global agriculture. One of the areas that you didn't kinda have in the past was agriculture. This is not necessarily an ESG or an ethical investment as such, but it is focused around agriculture. So it provides expose exposure into the global agriculture sector and provides greater diversification. You didn't really have a lot in the way of agriculture and farming in the past, but this is kinda adding that into it, And it has seen some really great growth over the past couple of years as well.\n\nSo we wanted to add that in there. Again, it is more of a theme ETF, systematic ETF, so we're just holding about 4% of that. But it is opening up to some more diversification and adding exposure into other areas that your portfolio didn't have consistently in the past.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay? Excellent. And then we've also just got the street I'm sorry. This is a bit of a tongue twisted one. The State Street S and P Emerging Markets Carbon Aware.\n\nSo this is essentially giving you exposure into some emerging markets across the globe. So it's more it's international as well, but it is looking at sort of small to medium cap investments and companies. So it's kind of also giving you a little bit more exposure into other areas that you didn't have previously, which is by no means a bad thing, adding some extra diversification to your portfolio. Again, we're only adding 4% of this. Emerging markets can have a little bit more risk to it, so we do wanna only wanna hold a small amount there, but this investment has been good growth, and it kind of builds into different areas where there might be opportunities opening up in that small to mid cap space across the globe as well.\n\nSo we've added this one in there for you at 4%, and then you just enter components at 20% in core composite bonds. They're giving you exposure to both government and corporate bonds. For income producing, these investments, the core composite bonds, there's no ESG rating around them. We did look at some ethical bond funds, but they're performing really poorly, and they're very volatile. So for defensive asset, they were very up and down and very risky, very underperforming as a whole.\n\nSo we decided to go with the more core composite on the ETF side of things. It has a greater track record, and you just sort of essentially, focusing on government and corporate funds there, essentially. We just wanna be able to create some income from these sorts of investments, which can be reinvested back into your portfolio to assist with the long term compounding effect there. Does that make sense? Do you have any questions so far?\n\nI know it's a lot when you're not looking at the document, and I'm so sorry about that.\n\nChannel 1: Absolutely apologize. It's it's fine. I will have some advice to look at it and update my ATM using what am I investing in. But\n\nChannel 0: Yes. Yes. That was the one\n\nChannel 1: so\n\nChannel 0: thing\n\nChannel 1: the\n\nChannel 0: I\n\nChannel 1: ones\n\nChannel 0: did that you'd have to do.\n\nChannel 1: yeah. So the one thing the one thing is are we the ones that we were removing from our portfolio, is that immediate or billing?\n\nChannel 0: So these will all happen once you sign the document, we submit the we basically tell Hub twenty four this is what we wanna do, and we submit the investment changes. It can take essentially between two to three weeks to complete the investment switch, but mostly they're all basically ETFs, so most of them can be completed very, very quickly. But as soon as you sign the document, we submit that request and have those changes submitted straight away. Because I know once KPMG approves that, it all has to happen fairly quickly, doesn't it?\n\nChannel 1: Yeah. But my my question is, for\n\nChannel 0: Yep.\n\nChannel 1: the ones that we're removing, are we removing them in totality or we're still keeping is there some that we're reducing the number of shares we're still keeping it?\n\nChannel 0: Yeah. So we are keeping some of them. Like the SE, we're just selling off a portion of that. We're keeping about 9% of the portfolio. The cybersecurity, we're just rebalancing back.\n\nThat's only a four a a partial sale. Sorry. The FAIR, the Vanguard, that is being sold completely, and so would the World Australian Carbon Aware, that's all being sold off completely as well. But some of them will be kept in there. We're just rebalancing some of them as well.\n\nSo yeah. Does that answer your question?\n\nChannel 1: Yep. Yep. Yep. So is\n\nChannel 0: Yes.\n\nChannel 1: that somewhere in the documents? Is it somewhere in the documents listed? Like\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Okay.\n\nChannel 0: Absolutely.\n\nChannel 1: Cool.\n\nChannel 0: So there's a table that shows you the buyers and the sales on page number 19 there. You'll be able to sort of go through and see all of that nice and clear. There's also a fee comparison table. So one of the things that I did look at was whenever we are switching investments, there is a capital gains cost difference. Your fund just like you, your super fund does a tax return every year.\n\nInside super, there are capital gains taxes, income taxes, and things like that. So in order to complete the switch of the investment, with the research I've been able to conduct, essentially, your super fund is expected to pay capital gains tax of a $116. The newer investment portfolio has had a greater past return, so it's about increasing your growth asset allocation. When we kind of look at how investments have been performing, the newer portfolio has averaged about 7.42 on a yearly basis over the past five years. The new the older portfolio that you're in, when we were kinda looking at that as a whole in the totality side of things, it averaged about 6.11%.\n\nAnd that can be different within your fund initially, but the newer portfolio shows over the past that it's got a greater potential for greater gains in the future. And it's also a cheaper fund, so it's actually saving you an investment fee. It's estimated to save about a $187 for the year on investment fees. So it's also a cheaper portfolio to hold than your current portfolio is as well.\n\nChannel 1: Oh, that's good. So you're saying my passport\n\nChannel 0: Yeah.\n\nChannel 1: the last it was performing not as great, but it wasn't so bad as an as an average.\n\nChannel 0: Yeah. Correct. Correct. Look. It wasn't wasn't the best, but it's not that bad.\n\nWhen I sort of look at as a comparison, Australian Ethical Super, they've averaged over the five years. They're reporting 5.8%. So, realistically, your past portfolio hasn't been performing terribly. It could definitely be doing better, and that's kind of what we wanna see when we are looking at investors and kind of looking at ways to build and grow them. We wanna look at the best possible past performance to give us a guide on how portfolios can, you know, grow and produce growth over the future.\n\nSo the newer portfolio was cheaper. It has had a greater past performance. That's what I would like to see in the future, but we do need to catch up in the next sort of three to four, even six months depending on your comfort level just to sort of see how that is tracking once the once that portfolio has been altered and changed to sort of make sure that it is on track because you are ethically invested. It does mean that some of these investments can perform worse. They some of these investments are more thematic, so they do have a little bit more risk that comes with them.\n\nThe CNDCS, especially the ones around the, you know, the drive, that sort of area, They do have the tendency to drop depending on, you know, how vehicles are traveling or mobility side of things. So we do wanna come back and review those. But looking at building the portfolio, this came out really good. I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible. So the overall portfolio does add greater diversification there for you.\n\nSo that is one good thing that I did like about this portfolio.\n\nChannel 1: Awesome. Yeah. I did interrupt you before.\n\nChannel 0: Yeah.\n\nChannel 1: So what was it? Was it was there anything else you wanted to go through?\n\nChannel 0: No. That's that's basically it. It's touching on the changes that we need to make. There are the pages in there do outline more around the advantages, disadvantages, the risks involved. I did go through some of them with you, but when you get some time, take take have yourself a cup of tea coffee, whatever you're comfortable with.\n\nTake some time to read through the advice document. If you find you do have additional questions, you're welcome to let me know there. I just had to touch some of the points that I needed to, albeit understanding that you're not looking at it. So sometimes it can come across like I'm talking at you. I do apologize.\n\nI had no attention of that. It's just making sure I touch on the things that I absolutely have to as part of the presentation of this, and then allowing you time to go back and take it in and read it, and albeit making sure that it's provided to KPMG so they can approve the portfolio. Or if they don't approve anything particular, letting you know, we can always go back and readjust this for you. Okay.\n\nChannel 1: Yeah. Exactly. Exactly. Appreciate it. And that's it's nothing to apologize.\n\nBut, like, let's like, if you wanna give a real and frank assessment of personal opinion, you know, I I'm happy to take criticism, but, like, how how is this really going? Like, am I wasting my time here? Is there a lot of a lot of stuff I'm missing out on compared to your other clients when they don't have an ethical kind of filter on their portfolio? Feel free to give me the real cold hard facts.\n\nChannel 0: Yeah. So, realistically, having an ethical portfolio means that there is a difference to growth. Realistically, when you are invested ethically, you understand the markets are gonna be lower. Ethical investments have had great growth in the past. 2122 is probably more for the best growth.\n\nSince then, they have not been performing as well. So you're not realistically gonna get the kind of growth that most of our portfolios do obtain, but it's also gonna be with a comfort level for you. So you it's not saying you can't get growth. You can. Ethical portfolios do have a place in the market, and there's plenty of people who do wanna be, you know, ethical in their investment.\n\nSo I do not in any way, shape, or form think you're wasting your time. That is my honest opinion. This can work for you. I think what we might need to do down the track, though, is consider additional contributions to help boost that growth, Essentially, with what's going in, you're on a good income. You've got good employer contributions, but to maybe look at, you know, closing the gap between the growth of a non ethical portfolio, I do think additional contributions down the track could provide greater benefit to you.\n\nBut I think to start with making this change, having it sit there for a little bit, reevaluate it in the next sort of six to twelve months at least just to see how it is tracking and then kind of reevaluating it again. I do hope this portfolio works the way it should. I do not wanna really be making changes on a yearly basis because that provides no great benefit to you. But I think this is working really well. The old portfolio, you know, had some kinks in it.\n\nIt was also one of the first ethical portfolios that was kind of built, and there's been a lot of changes in the ethical space in the last couple of months there.\n\nChannel 1: Yes.\n\nChannel 0: But with what's been changing globally as well, we might actually see a bit more of a step where people head back towards that ethical side of things again. So there's always a lot of unknowns when it comes to investing as a whole.\n\nChannel 1: Okay.\n\nChannel 0: I am sort of in of the opinion that we just you try something. You look at something. You look at the past data and go, cool. This has been working in the past. This is what I'm aiming for currently.\n\nThis is where I think I should be, and then you just sort of focus and look at that and alter it as you need to down the track. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: it it don't ever think that being ethical is wrong and, you know, you're gonna be worse off because of it. There's nothing to say you will be. It's just about closing the gap and understanding where you're at and investing in a space that's comfortable for you as well as getting long term sustainable growth. The other thing to sort of consider and the conversations I've had with a lot of people this year are around, you know, portfolios over the past that have, you know, fifteen, twenty percent growth, absolutely fabulous. There's no guarantees of that.\n\nIn all honesty, to have a portfolio that shows you in the past, it's formed around about seven to 8% in that growth environment. It's actually showing you that it's probably got more of a chance of he keeping that sustainable growth moving forward than a portfolio that's averaged a 17% return over the past. There's absolutely no way a portfolio can sustain 17% every year for the next five to ten years, whereas in that growth portfolio, you're more likely to try and obtain that sort of return. In the growth environment, you're still going to get a negative return, and we expect one sort of one in every five odd years. But as long as you're in a portfolio that gives you diversification, takes advantage in certain areas, and is tracking and giving you an average rate of return that can be compounded forward, you're gonna be okay.\n\nYou're gonna do really well. And you're still young. You've got a lot of time ahead of you. You're compounding things at a lot longer than most people are. Most of my clients, unfortunately, are retiring with lower balances in super, you know, less than 500,000 because super wasn't a thing in the early days.\n\nIt's\n\nChannel 1: Yes.\n\nChannel 0: more of a you know, we're at a higher contributions right now, which is also gonna provide a greater benefit to you. So I'm uncomfortable with you not getting, you know, a 20% return every single every single year if the returns you're getting are sustainable if we're taking advantage of the lower years. But I wanted to make sure that your portfolio was ethical. It was in line with what you wanted to see and\n\nChannel 1: Yeah.\n\nChannel 0: that we could update it. And it will have to be updated. Don't wanna do it every year for you because that doesn't benefit you, but it does have to be updated and changed whenever there does need to be changes in the market, whenever, you know, certain things might be under performing, whereas the market might not see that underperformance. So, yeah, that's essentially my honest opinion for you. I hope that is okay.\n\nBut, yeah, I like this portfolio. I really actually enjoyed building it. There's a lot of ethical\n\nChannel 1: Hello?\n\nChannel 0: investments out there. There's a lot of a lot of things that you can invest in. It's just making sure that those investments have been around long enough to sustain the market ups and downs, and ethical investments as a whole haven't really been around for a really long time. So this portfolio is encompassing some ethical areas as well as some that are less ethical, but not sort of taking into account anything crazy. So we're looking at core confidence of funds and cybersecurity and also focusing on, like, agriculture.\n\nSo while they don't have an ESD rating, they are still fairly ethical fairly ethically sound. So you're not investing in anything that kinda goes really against what you're comfortable with, if that makes sense.\n\nChannel 1: Yeah. Yeah. So so I really appreciate your stuff and all the other team effort in this kinda as it's on the first, so I really appreciate it. But my question\n\nChannel 0: Yeah.\n\nChannel 1: was\n\nChannel 0: That's okay.\n\nChannel 1: not like, oh, I just dropped everything and get rid of anything. My my question was more someone else on average with a similar risk profile and then just\n\nChannel 0: Mhmm.\n\nChannel 1: having a standard, you know, a standard kind of portfolio with a bit of anything on everything. I was curious to\n\nChannel 0: Yes.\n\nChannel 1: be like, are they getting sustainable performance of, like, 10 or 15% year on year on our last five years, and then I'm sort of missing out on pretty much half of that, Or or are we actually almost very similar when it's just the same\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: when it becomes the same with me?\n\nChannel 0: Yeah. Look, honestly, with the way the markets are at the moment, most growth portfolios are averaging around about nine to 10%. So you're not missing out on a great deal. No one's really, you know, gonna get that 17 or 20%. The most sustainable, nonethical portfolios in that growth environment are are generally looking to obtain about that nine to 10%, and that's what is sort of sitting at the moment.\n\nSo I wouldn't say you're missing out on a great deal of growth by being ethical.\n\nChannel 1: Cool. So that's that's that's\n\nChannel 0: Yeah.\n\nChannel 1: good then. That's it's\n\nChannel 0: Yeah.\n\nChannel 1: only a small change. Cool. Yes. So\n\nChannel 0: Yeah.\n\nChannel 1: additional\n\nChannel 0: Definitely.\n\nChannel 1: contributions additional contributions, how do\n\nChannel 0: Yeah.\n\nChannel 1: I do\n\nChannel 0: So we can look at making salary sacrifice contributions and adding to what you've got currently. We can look at updating advice to maybe take advantage of past cap base because we do have what's called carry forward contributions where if your balance is under a certain threshold, so it gets 500,000 as that 32 in the prior financial year, we can look to use previous years' cap space and make additional contributions to super by way of salary sacrifice. You can also make them from your after tax income and do deductible contributions, which can give you a tax deduction at the end of the year and help to, you know, lower your overall taxable income. There's a few different ways that we can do it. It also comes down to your comfort level.\n\nSo do you have much in the way of expendable income? Are you comfortable adding more money to super knowing that you can't access those funds currently until you meet that condition of release?\n\nChannel 1: Probably\n\nChannel 0: But, yeah, down the track, doing those benefits. Sorry. Yep.\n\nChannel 1: probably not the next twelve months because I'll be looking into going part time with work. So there'll be less coming in.\n\nChannel 0: Okay.\n\nChannel 1: And then, obviously,\n\nChannel 0: Yep.\n\nChannel 1: there'll be less money, you know, for me day to day, so I have to really, you know, count the pennies. So I'll go part time\n\nChannel 0: Yes.\n\nChannel 1: slowly soon if work will approve it. I'm looking to quit KPMG\n\nChannel 0: Yep.\n\nChannel 1: at some point. So then I don't wanna set up these salary sacrificing through what if I have to change all over again.\n\nChannel 0: Yeah. Of\n\nChannel 1: So maybe just putting, you know, money manually into it. Can I do that anytime? We\n\nChannel 0: course.\n\nChannel 1: have 24.\n\nChannel 0: Mhmm.\n\nChannel 1: I have to do a special thing.\n\nChannel 0: Yeah. Yeah. You absolutely can. If you make them a non concessional contributions, you can do it by way of BPAY or EFT. I can send you the information.\n\nThat way, you're able to make those when you want. When it comes to cabs making non concessional contributions, which is your essentially ad hoc contributions from your bank account, they allow you to make up to a 130 for this financial year. So I'm assuming you're not gonna have a $130 to pop into suit for this year with all living expenses, but that essentially is the cap space there. And we can always if you do have some ad hoc contributions, we can always sort of talk about it in, you know, May, June, next year, look at what you've put in the super and whether you wanna claim that as a tax deduction or whether that would provide a benefit to you. So, yeah, I can send you that information after four if you like in the email so you've got\n\nChannel 1: Yes,\n\nChannel 0: that,\n\nChannel 1: please.\n\nChannel 0: what a nonconcessional is, what the cap phase is, and how you do that to make it easier on you.\n\nChannel 1: Yes, please. Yes, please. Definitely.\n\nChannel 0: Yes.\n\nChannel 1: Yes, please.\n\nChannel 0: Beautiful.\n\nChannel 1: And let's say I start putting\n\nChannel 0: Excellent.\n\nChannel 1: contributions in manually myself here and there. Do I have to let\n\nChannel 0: Yeah.\n\nChannel 1: my tax accountant know this?\n\nChannel 0: No. No. That's fine. So you'll just put the the contributions in on a rate however often you are comfortable with. And then the only way you would need to let your accountant know you're doing that is if you decide to claim them under a notice of intent, claim as a tax deductions.\n\nSay, as an example, if you put $10 into super and come the end of the financial year, you wanna claim that $10 as a tax deduction on your income on your income tax, we then submit a notice of intent to claim against those contributions inside super fund. I have 24 deduct 15% tax and pay that to the ATO, and then that $10, you can take back to your account at the end of the financial year and go, hey. I've claimed I put $10 to super. I wanna claim that $10 as a tax deduction. Free\n\nChannel 1: Okay. Well, I don't have to do that.\n\nChannel 0: component. So your taxable free component. So your taxable consists of everything where tax is being deducted inside super. So, like, your employer contribution, salary sacrifice, or deductible contribution. If you're just moving money into the super fund out of your bank account, it's called nonconcessional.\n\nSo it goes in a 100% invested. There's no tax deducted out of that money, and it goes into your tax free component of that of the super fund there.\n\nChannel 1: Okay. So if if we put stuff in the email, so I'll probably just contribute couple $100 at one random\n\nChannel 0: Yep.\n\nChannel 1: month\n\nChannel 0: Yep.\n\nChannel 1: It is\n\nChannel 0: That's\n\nChannel 1: a random\n\nChannel 0: fine. I also break down, if that's okay, I can also break down that information that we've gone through into the email for you. You've got that as clarification as well to make it\n\nChannel 1: Oh, yeah.\n\nChannel 0: easier.\n\nChannel 1: I I appreciate that. Because I I\n\nChannel 0: That's\n\nChannel 1: don't wanna\n\nChannel 0: okay.\n\nChannel 1: have to\n\nChannel 0: That's\n\nChannel 1: pay more more money to my tax account and stuff because he already has to do his depreciation schedule, all the stuff I have at home. He\n\nChannel 0: yeah.\n\nChannel 1: also has he also considers whatever he has to do because I already have salary sacrifice in a way through the various lease for my car, which is through\n\nChannel 0: Yep.\n\nChannel 1: my work. So I get\n\nChannel 0: Yep.\n\nChannel 1: some money to get out of my tax for that, which type of will have to stop and change if I quit PayPMG. Not a not a problem.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: The other thing I wanted to sort of talk to you about was your that new insurance that you have through host plus with your employer.\n\nChannel 1: Yep.\n\nChannel 0: I'd love to look at that in a bit more detail and find out what happens with those insurances if you do quit KPMG because that gives you a good amount of life and PPD. Are you comfortable if my team touch base and have a authority to collect signed? It allows us to put that on the host plus account, and we can do research. So we can ask questions about it. We can get the product disclosure status for it, and we can find out about the funds going in, how that's being paid for, whether that's considered a contribution to you, what happens with the policy if you leave the leave your employer, how that then gets paid, or how that then can be retained.\n\nAre you comfortable if we do that additional research for you?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Beautiful. Just wanna make sure I understand that policy as much as possible. That way, if you have any questions, at least we can help you to understand it as well. Because if you do resign and that policy gets canceled, then it's about looking for additional cover.\n\nBut there could be a period time where you don't have any cover, and that would've been that risk to you. So I'll\n\nChannel 1: Yep.\n\nChannel 0: get my team to do up that third party authority and send it through to you to be signed. I'll just also check your ID on file is update because that has to be provided with the documents, and we can have that applied and do the research there for you. And then I can always be in touch to give you some information, talk to you about it, and let you know what the outcome of that research is.\n\nChannel 1: Yeah. Will do.\n\nChannel 0: Okay. All good. Beautiful. Excellent. Is there anything question wise that might come up that you need me to answer or help you with?\n\nOr\n\nChannel 1: No. I think that's all for now.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah. Let's hope I win South Florida so then we can start talking about other investments, not the super. Other\n\nChannel 0: Absolutely.\n\nChannel 1: portfolio,\n\nChannel 0: Absolutely.\n\nChannel 1: other strategies. Do I need do I need to have a first PA? Do I need to get independent order settings? Do I need to have a whole team? Uh-huh.\n\nSorry. I will stop threatening for a second there.\n\nChannel 0: No. Look. You've gotta have dreams in life. Life is, know, we go to work. The only wasn't I said the only thing that seems that mentally, the only thing a constant in life is death and taxes.\n\nSo you've gotta have dreams. And if winning Lotto is one of those dreams, you dream away.\n\nChannel 1: Exactly. Yeah. There was actually a dream that I had that I I last night night that I had bought a ticket in a $1,000,000,000,000 lottery or something overseas. Anyway but then those things don't really exist. I always I think\n\nChannel 0: No.\n\nChannel 1: I think they sometimes\n\nChannel 0: Understandable.\n\nChannel 1: do. They they get humongously taxed overseas.\n\nChannel 0: Uh-huh. Yeah. Yeah. I don't do anything. But I don't understand when it comes to overseas markets and yeah.\n\nThe the rule around the lot of overseas are really bizarre. All good. But, look, honestly, thank you so much for your time. Take some time to read through the document. We outline everything I've completed there for you.\n\nThere's no additional implementation fees for the advisers. All part of you being an ongoing client and paying the ongoing service fee there. If you find you do have any questions, let me know. I'll do up a bit of an email shortly for you so you've got that there with my email address, and you're welcome to let me know if any questions come up from the document. Or if KPMC come back saying that there's something that you can't can't invest in, we can go back and alter it.\n\nOkay.\n\nChannel 1: Yeah. Yeah. But it's it's one of those funny things that they I can kind of look into it, but when I actually put into the system, it actually wants to know what it's purchased already. So it's sort of\n\nChannel 0: Yeah.\n\nChannel 1: they can't more, like, tell me after the fact kinda thing. And also, there's also different rules. I can self declare that I'm on the order page, so it doesn't apply or something like that. So, yeah, I'll I'll look at the details. I'll get back to you in the next probably by a week.\n\nChannel 0: Yep. That's not a problem at all. All good. Thank you so much for your time. I hope you have a good afternoon, and I hope you have a good weekend ahead.\n\nWe're nearly there.\n\nChannel 1: Yes. Appreciate it. Thank you. You too. All the best.\n\nChannel 0: Thanks, Anthony. I'll talk to you soon. Enjoy the rest of your\n\nChannel 1: Yes. You too. Thank you.\n\nChannel 0: day.\n\nChannel 1: Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Anthony.","start":3.52,"end":4.24,"sentiment":"neutral","sentiment_score":0.13224002346396446},{"text":"This is Dana from OC Financial.","start":4.24,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1552193984389305},{"text":"How are you this morning or this afternoon?","start":6.08,"end":8.02,"sentiment":"neutral","sentiment_score":0.19540172442793846}],"sentiment":"neutral","sentiment_score":0.17243813956156373,"channel":0,"num_words":16,"start":3.52,"end":8.02},{"sentences":[{"text":"Exhausted work.","start":10.0,"end":10.8,"sentiment":"neutral","sentiment_score":-0.3108311742544174},{"text":"Yeah.","start":10.8,"end":11.04,"sentiment":"neutral","sentiment_score":-0.08385825157165527},{"text":"I know.","start":11.04,"end":11.62,"sentiment":"neutral","sentiment_score":-0.05568067729473114}],"sentiment":"neutral","sentiment_score":-0.16337639093399048,"channel":1,"num_words":5,"start":10.0,"end":11.62},{"sentences":[{"text":"Understandable.","start":13.2,"end":13.7,"sentiment":"neutral","sentiment_score":0.08415036648511887},{"text":"I had you booked in just to go through your updated statement of advice now.","start":15.425,"end":19.185,"sentiment":"neutral","sentiment_score":0.14379577388366063},{"text":"Is now still a good time there for you?","start":19.185,"end":21.125,"sentiment":"neutral","sentiment_score":0.2769453078508377}],"sentiment":"neutral","sentiment_score":0.18934378981590272,"channel":0,"num_words":25,"start":13.2,"end":21.125},{"sentences":[{"text":"Yep.","start":21.395,"end":21.715,"sentiment":"neutral","sentiment_score":0.12106633186340332},{"text":"Yep.","start":21.715,"end":22.215,"sentiment":"neutral","sentiment_score":0.13342255353927612}],"sentiment":"neutral","sentiment_score":0.12724444270133972,"channel":1,"num_words":2,"start":21.395,"end":22.215},{"sentences":[{"text":"Yep.","start":22.865,"end":23.265,"sentiment":"neutral","sentiment_score":0.2840222716331482},{"text":"Fantastic.","start":23.265,"end":23.765,"sentiment":"positive","sentiment_score":0.6268571615219116},{"text":"Do you have access to your emails there at the moment?","start":24.065,"end":26.385,"sentiment":"neutral","sentiment_score":0.20422904735261743},{"text":"I normally just send the documents through to you via email so we can kinda go through it together.","start":26.385,"end":30.86,"sentiment":"neutral","sentiment_score":0.1749767915982949}],"sentiment":"neutral","sentiment_score":0.20256118732504547,"channel":0,"num_words":32,"start":22.865,"end":30.86},{"sentences":[{"text":"Sure.","start":33.37,"end":33.87,"sentiment":"neutral","sentiment_score":0.17856937646865845}],"sentiment":"neutral","sentiment_score":0.17856937646865845,"channel":1,"num_words":1,"start":33.37,"end":33.87},{"sentences":[{"text":"If","start":33.8,"end":34.04,"sentiment":"neutral","sentiment_score":0.1665564477443695}],"sentiment":"neutral","sentiment_score":0.1665564477443695,"channel":0,"num_words":1,"start":33.8,"end":34.04},{"sentences":[{"text":"Okay.","start":33.93,"end":34.43,"sentiment":"neutral","sentiment_score":0.15752491354942322}],"sentiment":"neutral","sentiment_score":0.15752491354942322,"channel":1,"num_words":1,"start":33.93,"end":34.43},{"sentences":[{"text":"you don't that's okay.","start":34.04,"end":35.56,"sentiment":"neutral","sentiment_score":0.08779550716280937},{"text":"If you don't, I can just go through the recommendations, and then you're welcome to read it later.","start":35.56,"end":41.02,"sentiment":"neutral","sentiment_score":0.22651338701446852},{"text":"It's up to you.","start":41.239998,"end":42.165,"sentiment":"neutral","sentiment_score":0.20195936039090157}],"sentiment":"neutral","sentiment_score":0.20139463217212603,"channel":0,"num_words":26,"start":34.04,"end":42.165},{"sentences":[{"text":"No.","start":45.565,"end":45.645,"sentiment":"neutral","sentiment_score":0.0179276280105114},{"text":"I'll I'll probably I'll probably just read it in detail later, but just feel free to go through the summary or the key things on the call out or recommendations, stuff like that.","start":45.645,"end":53.725,"sentiment":"neutral","sentiment_score":0.0550273707080068},{"text":"Yep.","start":53.725,"end":54.225,"sentiment":"neutral","sentiment_score":0.12533925473690033}],"sentiment":"neutral","sentiment_score":0.05597628903176103,"channel":1,"num_words":35,"start":45.565,"end":54.225},{"sentences":[{"text":"Yes.","start":54.165,"end":54.665,"sentiment":"neutral","sentiment_score":0.17443126440048218},{"text":"Yeah.","start":54.805,"end":55.125,"sentiment":"neutral","sentiment_score":0.24862590432167053},{"text":"That's absolutely fine.","start":55.125,"end":56.165,"sentiment":"positive","sentiment_score":0.3787843883037567},{"text":"Not a problem at all.","start":56.165,"end":57.705,"sentiment":"positive","sentiment_score":0.37180530428886416},{"text":"I will send it through now to you so it's in your email so when you get a chance to have a look at it later on.","start":58.050003,"end":62.79,"sentiment":"neutral","sentiment_score":0.3296889574439437}],"sentiment":"neutral","sentiment_score":0.3329740190828169,"channel":0,"num_words":37,"start":54.165,"end":62.79},{"sentences":[{"text":"Any questions that you do have, please let me know.","start":63.09,"end":65.67,"sentiment":"neutral","sentiment_score":0.1781228467822075},{"text":"What I'd probably ask, if you can, you can reply","start":65.89,"end":69.57,"sentiment":"neutral","sentiment_score":0.0332981402054429}],"sentiment":"neutral","sentiment_score":0.10571049349382519,"channel":0,"num_words":20,"start":63.09,"end":69.57},{"sentences":[{"text":"I","start":69.135,"end":69.635,"sentiment":"neutral","sentiment_score":0.041045013815164566}],"sentiment":"neutral","sentiment_score":0.041045013815164566,"channel":1,"num_words":1,"start":69.135,"end":69.635},{"sentences":[{"text":"back to the OdooSign email, but you've got my direct email there as well because I've emailed you in the past.","start":69.57,"end":75.455,"sentiment":"neutral","sentiment_score":0.04032363769199167},{"text":"Do you still have that at all?","start":75.455,"end":76.995,"sentiment":"neutral","sentiment_score":0.010321376046964101}],"sentiment":"neutral","sentiment_score":0.03282307228073478,"channel":0,"num_words":28,"start":69.57,"end":76.995},{"sentences":[{"text":"think I do.","start":78.095,"end":78.975006,"sentiment":"neutral","sentiment_score":0.03488653711974621},{"text":"Yeah.","start":78.975006,"end":79.475006,"sentiment":"neutral","sentiment_score":0.044483017176389694}],"sentiment":"neutral","sentiment_score":0.03728565713390708,"channel":1,"num_words":4,"start":78.095,"end":79.475006},{"sentences":[{"text":"Yeah.","start":79.855,"end":80.255005,"sentiment":"neutral","sentiment_score":0.04495955631136894},{"text":"If not, after the call, I'll send you another email so it's there.","start":80.255005,"end":83.69,"sentiment":"neutral","sentiment_score":0.016252962585825186},{"text":"It's just when you reply back to OdooSign, sometimes that doesn't come to me directly.","start":83.69,"end":89.15,"sentiment":"neutral","sentiment_score":0.008782199025154114},{"text":"So it means I can't reply to the email directly.","start":89.21,"end":92.11,"sentiment":"neutral","sentiment_score":-0.011736425245180726},{"text":"If you have any questions, pop them in an email to me directly, and that way I can answer them and email you back just to make it easier just so that we eliminate the risk of it not coming direct to me.","start":92.810005,"end":103.535,"sentiment":"neutral","sentiment_score":0.09766588204128798}],"sentiment":"neutral","sentiment_score":0.05451524061741444,"channel":0,"num_words":82,"start":79.855,"end":103.535},{"sentences":[{"text":"Yes.","start":104.085,"end":104.585,"sentiment":"neutral","sentiment_score":0.09768153727054596}],"sentiment":"neutral","sentiment_score":0.09768153727054596,"channel":1,"num_words":1,"start":104.085,"end":104.585},{"sentences":[{"text":"Okay?","start":104.155,"end":104.655,"sentiment":"neutral","sentiment_score":0.11445319652557372},{"text":"Yeah.","start":105.275,"end":105.595,"sentiment":"neutral","sentiment_score":0.2433153539896011},{"text":"Beautiful.","start":105.595,"end":106.095,"sentiment":"positive","sentiment_score":0.5414208173751831},{"text":"I'll send you an email afterwards just to say, hey.","start":106.315,"end":108.955,"sentiment":"neutral","sentiment_score":0.3125439539551735},{"text":"Here's my email address.","start":108.955,"end":109.995,"sentiment":"neutral","sentiment_score":0.2215253934264183}],"sentiment":"neutral","sentiment_score":0.28886649889104504,"channel":0,"num_words":17,"start":104.155,"end":109.995},{"sentences":[{"text":"Keep this set aside somewhere.","start":109.995,"end":111.275,"sentiment":"neutral","sentiment_score":0.24552771151065828},{"text":"That way, you can always email me back and forth just to make it easier on you.","start":111.275,"end":114.9,"sentiment":"neutral","sentiment_score":0.27493521045236025},{"text":"Okay?","start":114.9,"end":115.4,"sentiment":"neutral","sentiment_score":0.1520625352859497}],"sentiment":"neutral","sentiment_score":0.2631999856751898,"channel":0,"num_words":23,"start":109.995,"end":115.4},{"sentences":[{"text":"Mhmm.","start":115.42,"end":115.92,"sentiment":"neutral","sentiment_score":0.1222858428955078}],"sentiment":"neutral","sentiment_score":0.1222858428955078,"channel":1,"num_words":1,"start":115.42,"end":115.92},{"sentences":[{"text":"Excellent.","start":116.9,"end":117.4,"sentiment":"neutral","sentiment_score":0.11698518693447112},{"text":"So with this advice piece, just to sort of hit the target points that I have to hit on, on the front page, it does have my license number for you.","start":117.54,"end":126.58,"sentiment":"neutral","sentiment_score":0.13289127907445353},{"text":"My license number registered with ASIC is 1304394.","start":126.58,"end":131.355,"sentiment":"neutral","sentiment_score":0.054572043009102345},{"text":"The","start":131.815,"end":131.97499,"sentiment":"neutral","sentiment_score":0.029857609421014782}],"sentiment":"neutral","sentiment_score":0.11470850711552108,"channel":0,"num_words":41,"start":116.9,"end":131.97499},{"sentences":[{"text":"Mhmm.","start":131.835,"end":132.335,"sentiment":"neutral","sentiment_score":0.012884927913546562}],"sentiment":"neutral","sentiment_score":0.012884927913546562,"channel":1,"num_words":1,"start":131.835,"end":132.335},{"sentences":[{"text":"main sort of areas with this advice is looking at the superannuation side of things.","start":131.97499,"end":135.89499,"sentiment":"neutral","sentiment_score":0.053681797037521996},{"text":"So you're more ethically invested.","start":135.89499,"end":137.75499,"sentiment":"neutral","sentiment_score":0.23219749927520753},{"text":"That's where your interest lie, which is absolutely fine, but we had obviously noted that ethical investors haven't been performing very well.","start":137.815,"end":145.49,"sentiment":"neutral","sentiment_score":-0.07843467593193054},{"text":"Some of it is because of the markets as a whole.","start":145.87001,"end":148.67,"sentiment":"neutral","sentiment_score":-0.15569834207946603},{"text":"Others is that some ethical investors aren't performing greater.","start":148.67,"end":151.87001,"sentiment":"neutral","sentiment_score":-0.29892416215605205}],"sentiment":"neutral","sentiment_score":-0.06713463936842257,"channel":0,"num_words":62,"start":131.97499,"end":151.87001},{"sentences":[{"text":"So you asked me to go back and have a really good look around the market to see if there's any additional areas that we're maybe not touching on with regard to the portfolio and to see if there's some, you know, other areas ethically that we could move into.","start":151.87001,"end":166.245,"sentiment":"neutral","sentiment_score":0.09792144633829594},{"text":"We did do that.","start":166.625,"end":167.61,"sentiment":"neutral","sentiment_score":0.16665713489055634},{"text":"It took a little bit to get the investment portfolio built up.","start":168.09,"end":171.13,"sentiment":"neutral","sentiment_score":-0.03895229380577803},{"text":"I'm not gonna lie.","start":171.13,"end":172.09,"sentiment":"neutral","sentiment_score":-0.07704314589500427},{"text":"There's a lot of it ethical investments that we could sort of utilize.","start":172.09,"end":175.47,"sentiment":"neutral","sentiment_score":-0.06983034083476433}],"sentiment":"neutral","sentiment_score":0.04673863031777991,"channel":0,"num_words":83,"start":151.87001,"end":175.47},{"sentences":[{"text":"There's a lot that are performing really poorly at the moment.","start":175.93,"end":179.55,"sentiment":"negative","sentiment_score":-0.5374261736869812},{"text":"Twenty twenty one, twenty two was kind of a height for this sort of area, and since then, a lot of a lot of investments aren't performing very well.","start":179.93,"end":187.845,"sentiment":"negative","sentiment_score":-0.34843168176453687},{"text":"So I went back, and we've kind of built a portfolio.","start":187.845,"end":190.745,"sentiment":"neutral","sentiment_score":0.09224528074264526},{"text":"This did have to go through my life and see because this portfolio has been built solely for you.","start":190.965,"end":196.105,"sentiment":"neutral","sentiment_score":0.17251310340668025},{"text":"They had to approve this portfolio prior to us making the recommendation to make sure they were happy with the portfolio and making sure it's in the line with everything we had in our investment committee's investments aligned, essentially.","start":196.59999,"end":209.73999,"sentiment":"neutral","sentiment_score":0.16860612844809508}],"sentiment":"neutral","sentiment_score":-0.04723046439776727,"channel":0,"num_words":109,"start":175.93,"end":209.73999},{"sentences":[{"text":"So this is solely being built for yourself.","start":210.04,"end":211.935,"sentiment":"neutral","sentiment_score":0.304596608504653},{"text":"So have a look through it when you do.","start":211.935,"end":213.535,"sentiment":"neutral","sentiment_score":0.2827495336532593},{"text":"If you have any questions, come back and let me know there.","start":213.535,"end":216.275,"sentiment":"neutral","sentiment_score":0.1426444152990977},{"text":"With the portfolio as a whole sorry.","start":217.375,"end":220.495,"sentiment":"neutral","sentiment_score":0.03401997206466539},{"text":"I'm just moving down to the correct page there for you.","start":220.495,"end":223.235,"sentiment":"neutral","sentiment_score":0.08611637252298268}],"sentiment":"neutral","sentiment_score":0.1676313097172595,"channel":0,"num_words":47,"start":210.04,"end":223.235},{"sentences":[{"text":"Essentially, what we're gonna do with the portfolio is we're gonna start by essentially just reducing exposure into the BetaShares global sustainable leaders.","start":224.015,"end":234.97,"sentiment":"neutral","sentiment_score":0.23228421278864794},{"text":"That is a good investment, has been working really well in your portfolio there, but I am sort of branching out into other areas, so we did need to reduce the exposure here a little bit for you.","start":235.27,"end":244.485,"sentiment":"neutral","sentiment_score":0.2902506496757269},{"text":"So we're moving you back from 24.46% to about 9%, so it does mean selling off a little bit of portfolio.","start":245.105,"end":251.525,"sentiment":"neutral","sentiment_score":0.10645326652697154},{"text":"The beta shares Australian sustainable leaders investment, so fair, that hasn't been performing very, very well.","start":252.945,"end":259.32,"sentiment":"neutral","sentiment_score":0.07491299766115844},{"text":"So I look to replace that with another diversified Australian ethical investment, and I'll be removing that completely from your portfolio.","start":259.32,"end":267.02,"sentiment":"neutral","sentiment_score":-0.011139199315082459}],"sentiment":"neutral","sentiment_score":0.16447281475499773,"channel":0,"num_words":119,"start":224.015,"end":267.02},{"sentences":[{"text":"You originally had requested the beta share cybersecurity, so it has to be added to your portfolio.","start":268.225,"end":274.485,"sentiment":"neutral","sentiment_score":-0.01009707766420701},{"text":"That was added through a transaction without advice.","start":275.585,"end":278.88498,"sentiment":"neutral","sentiment_score":-0.035351583268493414},{"text":"Having a look at it, Hack is not a bad investment.","start":279.585,"end":282.085,"sentiment":"neutral","sentiment_score":0.08924586088819937},{"text":"There's no ethical sustainability.","start":282.19998,"end":284.86,"sentiment":"neutral","sentiment_score":-0.05712305195629597},{"text":"It's not it's not an ethical investment in any way, but it's something that you wanted to have in your portfolio previously.","start":285.0,"end":290.38,"sentiment":"neutral","sentiment_score":0.08342227331277999}],"sentiment":"neutral","sentiment_score":0.03441998852236617,"channel":0,"num_words":62,"start":268.225,"end":290.38},{"sentences":[{"text":"So I have looked to keep that there for you.","start":290.6,"end":293.34,"sentiment":"neutral","sentiment_score":0.19770417660474776},{"text":"It is giving you exposure to a specific long term growth cybersecurity market, and there are is a lot more growth to be have within that market there at the moment.","start":293.72,"end":303.905,"sentiment":"neutral","sentiment_score":0.1578824878219635},{"text":"Essentially, your portfolio is a little bit overweighted.","start":304.285,"end":307.345,"sentiment":"neutral","sentiment_score":-0.07183118304237723},{"text":"I wanna hold about 4% in there for you just to give you a bit of a weighting.","start":307.565,"end":311.645,"sentiment":"neutral","sentiment_score":0.0050903081945661045},{"text":"It is a somatic sort of ETF investment.","start":311.645,"end":313.87,"sentiment":"neutral","sentiment_score":0.024126520846039057}],"sentiment":"neutral","sentiment_score":0.08775182851279775,"channel":0,"num_words":75,"start":290.6,"end":313.87},{"sentences":[{"text":"You've got about 5.52% there at the moment, so we're just gonna kinda rebalance that back a little bit.","start":314.16998,"end":319.87,"sentiment":"neutral","sentiment_score":-0.004507655522933132},{"text":"But I am recommending that we do hold that as part of the portfolio now and moving forward there for you.","start":319.93,"end":326.19,"sentiment":"neutral","sentiment_score":0.309342778864361},{"text":"With the Australian Vanguard fixed interest index, it hasn't really been performing very well, so we are looking to move that down.","start":327.795,"end":335.015,"sentiment":"neutral","sentiment_score":-0.2403306243094531},{"text":"When we sort of look at the five year rolling average on this investment, it's down pretty heavily.","start":335.475,"end":339.815,"sentiment":"neutral","sentiment_score":-0.26398493929041755},{"text":"The five years at the moment, it's showing about 11.21% down over the five years.","start":340.09998,"end":344.84,"sentiment":"neutral","sentiment_score":-0.18447938164075214}],"sentiment":"neutral","sentiment_score":-0.06732253121506226,"channel":0,"num_words":95,"start":314.16998,"end":344.84},{"sentences":[{"text":"Just kind of wanted to move that out and put something in its place that's a little bit performing better and, yeah, looking at other areas there for you as well.","start":345.3,"end":354.5,"sentiment":"neutral","sentiment_score":0.12533320931176986},{"text":"So given the long term investment time horizon and your growth risk profile, we've decided to remove this wholly and look at more positive growth areas for you and keeping still keeping some defensive investments in there.","start":354.5,"end":367.465,"sentiment":"neutral","sentiment_score":0.22737005312700528},{"text":"We're looking at some other areas for this one here.","start":367.465,"end":370.045,"sentiment":"neutral","sentiment_score":0.16670105829834939},{"text":"With","start":371.02002,"end":371.34,"sentiment":"neutral","sentiment_score":0.07036946713924408}],"sentiment":"neutral","sentiment_score":0.1776633101833772,"channel":0,"num_words":79,"start":345.3,"end":371.34},{"sentences":[{"text":"Right.","start":371.05,"end":371.55,"sentiment":"neutral","sentiment_score":0.06645321846008301}],"sentiment":"neutral","sentiment_score":0.06645321846008301,"channel":1,"num_words":1,"start":371.05,"end":371.55},{"sentences":[{"text":"the Vanguard you're right.","start":371.34,"end":373.1,"sentiment":"neutral","sentiment_score":0.047789547592401505},{"text":"So sorry.","start":373.1,"end":373.58002,"sentiment":"neutral","sentiment_score":-0.030433528125286102},{"text":"Did you wanna ask the question?","start":373.58002,"end":374.80002,"sentiment":"neutral","sentiment_score":-0.033997448782126106}],"sentiment":"neutral","sentiment_score":-0.00614112988114357,"channel":0,"num_words":12,"start":371.34,"end":374.80002},{"sentences":[{"text":"And I remember last year things were going quite okay.","start":374.805,"end":377.845,"sentiment":"neutral","sentiment_score":-0.031511724554002286},{"text":"So has something shifted a lot?","start":377.845,"end":379.445,"sentiment":"neutral","sentiment_score":-0.0866631455719471},{"text":"Is it just due to the market and stuff?","start":379.445,"end":381.545,"sentiment":"neutral","sentiment_score":-0.05954464069671101}],"sentiment":"neutral","sentiment_score":-0.05483991540968418,"channel":1,"num_words":25,"start":374.805,"end":381.545},{"sentences":[{"text":"It fixed yeah.","start":381.58002,"end":382.62,"sentiment":"neutral","sentiment_score":-0.10625067849953969},{"text":"Fixed interest has taken a bit of a hit.","start":382.62,"end":384.86002,"sentiment":"neutral","sentiment_score":-0.25881820917129517},{"text":"Bonds and fixed interest markets are affected by inflationary pressures essentially within us the Australian market.","start":384.86002,"end":394.535,"sentiment":"neutral","sentiment_score":-0.26428630482405424},{"text":"We have seen quite a bit of inflationary pressures, and, also, they're just not doing so well at the moment.","start":394.535,"end":400.53,"sentiment":"neutral","sentiment_score":-0.28555540889501574},{"text":"So when we kind of look at how this investment has been performing over the past sort of one to two years, it's had its ups and downs.","start":400.53,"end":407.17,"sentiment":"neutral","sentiment_score":-0.14501439513904707}],"sentiment":"neutral","sentiment_score":-0.21905536890814178,"channel":0,"num_words":76,"start":381.58002,"end":407.17},{"sentences":[{"text":"It's not being too bad, but, realistically, it's kind of holding your portfolio back.","start":407.17,"end":412.45,"sentiment":"neutral","sentiment_score":-0.32070077104227884},{"text":"So it's best to kind of remove that and find other areas to be able to move and hold some defensive investments, essentially.","start":412.45,"end":419.97498,"sentiment":"neutral","sentiment_score":-0.1393953629809877},{"text":"So","start":420.19498,"end":420.69498,"sentiment":"neutral","sentiment_score":-0.08684656023979187}],"sentiment":"neutral","sentiment_score":-0.20480922903669507,"channel":0,"num_words":38,"start":407.17,"end":420.69498},{"sentences":[{"text":"Sure.","start":420.99,"end":421.49,"sentiment":"neutral","sentiment_score":-0.10978539288043976}],"sentiment":"neutral","sentiment_score":-0.10978539288043976,"channel":1,"num_words":1,"start":420.99,"end":421.49},{"sentences":[{"text":"as a whole, looking at the five years, it's down over the course of the five years all up, so it's better just to kind of look at removing that and try to find some other areas for you to invest in essentially.","start":421.235,"end":432.41998,"sentiment":"neutral","sentiment_score":-0.15799942058186198}],"sentiment":"neutral","sentiment_score":-0.15799942058186198,"channel":0,"num_words":43,"start":421.235,"end":432.41998},{"sentences":[{"text":"Sure.","start":433.015,"end":433.495,"sentiment":"neutral","sentiment_score":-0.041706450283527374},{"text":"So I remember last time people were saying, oh, let's not sell things too quickly because there's always ups and downs.","start":433.495,"end":442.09,"sentiment":"neutral","sentiment_score":-0.10809295110049702},{"text":"So as long as as long as you feel","start":442.09,"end":443.45,"sentiment":"neutral","sentiment_score":-0.02009283523592684}],"sentiment":"neutral","sentiment_score":-0.08040303033926795,"channel":1,"num_words":31,"start":433.015,"end":443.45},{"sentences":[{"text":"Yeah.","start":443.28,"end":443.685,"sentiment":"neutral","sentiment_score":-0.04568439722061157}],"sentiment":"neutral","sentiment_score":-0.04568439722061157,"channel":0,"num_words":1,"start":443.28,"end":443.685},{"sentences":[{"text":"we're not doing it too quickly and you're doing it in a controlled way.","start":443.45,"end":447.31,"sentiment":"neutral","sentiment_score":-0.11291764037949699}],"sentiment":"neutral","sentiment_score":-0.11291764037949699,"channel":1,"num_words":14,"start":443.45,"end":447.31},{"sentences":[{"text":"Yeah.","start":448.085,"end":448.485,"sentiment":"neutral","sentiment_score":0.029625460505485535},{"text":"Absolutely.","start":448.485,"end":448.985,"sentiment":"neutral","sentiment_score":0.07050590962171555},{"text":"Yeah.","start":449.365,"end":449.685,"sentiment":"neutral","sentiment_score":0.0334576815366745},{"text":"No.","start":449.685,"end":449.845,"sentiment":"neutral","sentiment_score":0.0236576609313488},{"text":"Definitely.","start":449.845,"end":450.345,"sentiment":"neutral","sentiment_score":0.08309367299079895}],"sentiment":"neutral","sentiment_score":0.04806807711720466,"channel":0,"num_words":5,"start":448.085,"end":450.345},{"sentences":[{"text":"Definitely.","start":451.285,"end":451.785,"sentiment":"neutral","sentiment_score":0.16452109813690186},{"text":"We did go back and sort of reweight this against, you know, the other areas there, and we do feel that moving this investment is a good move for the moment.","start":451.925,"end":460.34003,"sentiment":"positive","sentiment_score":0.33661907382549777},{"text":"You're still gonna hold some defensive investments within your portfolio.","start":460.40002,"end":463.86002,"sentiment":"neutral","sentiment_score":0.30461828261613844},{"text":"Essentially, instead of having just the Vanguard fixed interest, we're actually gonna have in there the core composite bond.","start":464.56003,"end":471.46002,"sentiment":"neutral","sentiment_score":0.18312208981890427},{"text":"So this investment is giving you exposure to government and corporate and subcorporate bonds.","start":471.52002,"end":476.63498,"sentiment":"neutral","sentiment_score":0.28652295789548327}],"sentiment":"neutral","sentiment_score":0.2818204843997955,"channel":0,"num_words":75,"start":451.285,"end":476.63498},{"sentences":[{"text":"Bonds are good defensively.","start":477.175,"end":478.63498,"sentiment":"positive","sentiment_score":0.4060685485601425},{"text":"They tend to pay income, income which is paid in your cash account and reinvested back.","start":478.85498,"end":484.215,"sentiment":"neutral","sentiment_score":0.1433048746548593},{"text":"So we are replacing the Vanguard fixed interest investments with defensive investments.","start":484.215,"end":488.875,"sentiment":"neutral","sentiment_score":0.20443538328011832},{"text":"It's just that we're changing the nature of those investment side of things.","start":489.28998,"end":492.75,"sentiment":"neutral","sentiment_score":0.22963801484841567},{"text":"And at the moment with your waiting, when I kinda went back and looked at it, you're more of a growth investment profile, which is at eighty twenty kind of split.","start":493.21,"end":500.99,"sentiment":"neutral","sentiment_score":0.1498770778698306}],"sentiment":"neutral","sentiment_score":0.18423500519834066,"channel":0,"num_words":76,"start":477.175,"end":500.99},{"sentences":[{"text":"You're actually more in a balanced growth environment.","start":501.70502,"end":503.885,"sentiment":"neutral","sentiment_score":0.26710404455661774},{"text":"So, overall, your entire portfolio is slightly underweighted for where your risk profile is.","start":503.945,"end":508.745,"sentiment":"neutral","sentiment_score":-0.06930942194802421},{"text":"So this is kind of bringing you back up a little bit, if that makes sense, and increasing your growth exposure into the market.","start":508.745,"end":515.245,"sentiment":"positive","sentiment_score":0.42245452230175334}],"sentiment":"neutral","sentiment_score":0.24576976053092792,"channel":0,"num_words":46,"start":501.70502,"end":515.245},{"sentences":[{"text":"Okay.","start":516.065,"end":516.565,"sentiment":"neutral","sentiment_score":0.31792497634887695}],"sentiment":"neutral","sentiment_score":0.31792497634887695,"channel":1,"num_words":1,"start":516.065,"end":516.565},{"sentences":[{"text":"All good.","start":518.46,"end":519.02,"sentiment":"positive","sentiment_score":0.4228305071592331},{"text":"Sorry.","start":519.02,"end":519.26,"sentiment":"neutral","sentiment_score":-0.08265860378742218},{"text":"If I lose my voice, I do apologize.","start":519.26,"end":521.04,"sentiment":"neutral","sentiment_score":-0.3168909288942814},{"text":"The next sort of target that we're looking at is the Vanguard diversified conservative index.","start":523.34,"end":528.62,"sentiment":"neutral","sentiment_score":-0.020489625384410223},{"text":"So, again, you are a bit underweighted as I mentioned before.","start":528.62,"end":531.68,"sentiment":"neutral","sentiment_score":-0.18683205477216028}],"sentiment":"neutral","sentiment_score":-0.11174654064548982,"channel":0,"num_words":37,"start":518.46,"end":531.68},{"sentences":[{"text":"Your portfolio is more weighted towards the 70% of growth assets.","start":531.965,"end":535.745,"sentiment":"neutral","sentiment_score":-0.18929789079861206},{"text":"So I'm looking to remove this because we are bringing out more of those growth investments and trying to kind of bring you back to a more of a risk profile waiting that's right for your portfolio.","start":536.525,"end":546.145,"sentiment":"neutral","sentiment_score":-0.01980323767339861},{"text":"So we are looking to diversify into other growth areas to try and promote that growth side of things a little bit.","start":546.77997,"end":552.95996,"sentiment":"neutral","sentiment_score":0.28942362557757983},{"text":"So we are looking to remove the Vanguard diversified conservative index investment out of there as well.","start":553.42,"end":559.19995,"sentiment":"neutral","sentiment_score":0.014318626374006271}],"sentiment":"neutral","sentiment_score":0.043629193314533125,"channel":0,"num_words":87,"start":531.965,"end":559.19995},{"sentences":[{"text":"Yep.","start":559.74,"end":560.24,"sentiment":"neutral","sentiment_score":0.1300361603498459}],"sentiment":"neutral","sentiment_score":0.1300361603498459,"channel":1,"num_words":1,"start":559.74,"end":560.24},{"sentences":[{"text":"We're going to also you have the the FTDR S and P World x Carbon Aware investment.","start":560.315,"end":570.015,"sentiment":"neutral","sentiment_score":0.14920065201380672},{"text":"That one also is down a little bit as well, so we are looking to remove that solely from the portfolio.","start":570.715,"end":576.26,"sentiment":"neutral","sentiment_score":0.03232608717821893},{"text":"We are replacing that with an exposure into other ethical and EFC focused international investments to provide greater diversification for you as well because, obviously, we wanna have more growth assets and kind of rewrite your portfolio.","start":576.80005,"end":589.94,"sentiment":"neutral","sentiment_score":0.3256218223958402},{"text":"We also wanna make sure we're diversified across the market, across the world, and across as many industries as possible.","start":590.08,"end":596.09503,"sentiment":"positive","sentiment_score":0.40602226108312606},{"text":"That way, we're helping to overall reduce the risk or the market risk of your portfolio as much as physically possible.","start":596.315,"end":602.97504,"sentiment":"positive","sentiment_score":0.4363843273548853}],"sentiment":"neutral","sentiment_score":0.28058433137705613,"channel":0,"num_words":116,"start":560.315,"end":602.97504},{"sentences":[{"text":"You've got the we're also putting in there so we are taking out the the fair, the beta shares Australian sustainable leaders, which is the Australian exposure there, and we're replacing that with the Vanguard equity conscious Australian shares.","start":605.00995,"end":620.73505,"sentiment":"neutral","sentiment_score":0.0653985559176176},{"text":"We wanna hold about 30% of this investment within the portfolio, so we'll be buying into that one.","start":620.73505,"end":626.67505,"sentiment":"neutral","sentiment_score":0.15029240689343876},{"text":"This one here invests in Australian companies that meet the ethical and responsible investment criteria.","start":626.97504,"end":632.0,"sentiment":"neutral","sentiment_score":0.21295803487300874},{"text":"It focuses around the largest the large cap kind of space within that ethical environment.","start":632.7,"end":638.4,"sentiment":"neutral","sentiment_score":0.1989618122577667},{"text":"And when we sort of look at how Australian ethical investments have performed, This one has shown greater past performance than the fair.","start":639.10004,"end":647.40497,"sentiment":"neutral","sentiment_score":0.15243509849128517}],"sentiment":"neutral","sentiment_score":0.13582374524663796,"channel":0,"num_words":110,"start":605.00995,"end":647.40497},{"sentences":[{"text":"It is up at the moment and doing much better, so we feel like replacing that is a really good move for you.","start":647.40497,"end":653.505,"sentiment":"positive","sentiment_score":0.5550615955954012},{"text":"It obviously is still something we do wanna monitor moving forward, and I do wanna do a bit of a catch up down the track to make sure that these are working.","start":654.045,"end":662.56,"sentiment":"neutral","sentiment_score":0.19284964934922755},{"text":"If any of these need to be replaced, we'll keep, you know, making sure we do we do so.","start":662.86,"end":668.0,"sentiment":"neutral","sentiment_score":0.08871329124820859},{"text":"But this investment essentially provides a strong Australian ethical exposure and is intended to perform greater over the longer term based on past data and research materials.","start":668.14,"end":680.06494,"sentiment":"positive","sentiment_score":0.34716053031108995},{"text":"So that's still giving you some Australian exposure into the equity conscious area.","start":680.125,"end":684.625,"sentiment":"positive","sentiment_score":0.3560212277449094}],"sentiment":"neutral","sentiment_score":0.303726037637445,"channel":0,"num_words":114,"start":647.40497,"end":684.625},{"sentences":[{"text":"We've also then got the iShares core, Missy World x Australian ESG investment, and this one here is giving you a bit more diversified international exposure.","start":685.56,"end":696.7,"sentiment":"neutral","sentiment_score":0.2314623290529618},{"text":"It reduces reliance on the Australian market.","start":697.32,"end":699.9,"sentiment":"neutral","sentiment_score":0.19379340325083053},{"text":"It's obviously not encompassing any Australian shares.","start":700.175,"end":704.355,"sentiment":"neutral","sentiment_score":0.008325417659112386},{"text":"That's because we have the last one, the Vanguard, as it's a conscious Australian shares in there.","start":704.415,"end":709.31494,"sentiment":"neutral","sentiment_score":0.12069735851357966},{"text":"This is just looking at globally to try and take advantage of global markets, and it's focused across the entire globe, not just a few different countries.","start":709.375,"end":717.58997,"sentiment":"neutral","sentiment_score":0.16637062322762278}],"sentiment":"neutral","sentiment_score":0.16638945504313424,"channel":0,"num_words":84,"start":685.56,"end":717.58997},{"sentences":[{"text":"Yes.","start":718.265,"end":718.765,"sentiment":"neutral","sentiment_score":0.15707096457481384}],"sentiment":"neutral","sentiment_score":0.15707096457481384,"channel":1,"num_words":1,"start":718.265,"end":718.765},{"sentences":[{"text":"Historically, this has provided greater kind of performance, and we sort of know sort of based on past data, international investments do perform much greater, So we do wanna keep that international exposure there for you.","start":718.29,"end":730.925,"sentiment":"neutral","sentiment_score":0.24273554235696793},{"text":"So in your portfolio, we wanna hold about 25% of this investment there for you.","start":730.925,"end":736.285,"sentiment":"neutral","sentiment_score":0.2517628808816274},{"text":"Okay?","start":736.285,"end":736.785,"sentiment":"neutral","sentiment_score":0.1544167846441269},{"text":"Some other areas that we haven't taken advantage of in the past that that would be good to look at and are sort of providing some greater diversification is","start":738.365,"end":746.37,"sentiment":"neutral","sentiment_score":0.1831770171893054}],"sentiment":"neutral","sentiment_score":0.22199349408900296,"channel":0,"num_words":81,"start":718.29,"end":746.37},{"sentences":[{"text":"Mhmm.","start":746.80505,"end":747.30505,"sentiment":"neutral","sentiment_score":0.02746783383190632}],"sentiment":"neutral","sentiment_score":0.02746783383190632,"channel":1,"num_words":1,"start":746.80505,"end":747.30505},{"sentences":[{"text":"the beta shares electric vehicle and motor motor ability to drive only targeting about 4% of this investment because it is more of a somatic themed investment.","start":746.83,"end":756.61,"sentiment":"neutral","sentiment_score":0.14993206963494973},{"text":"It does provide a small allocation to a long term investment themed focus on changes in transport and technology, and it's an ethically driven one.","start":757.245,"end":765.885,"sentiment":"positive","sentiment_score":0.4054221308231354},{"text":"So it's focused on ethical motor vehicles, mobility, and things like that for you.","start":765.885,"end":770.925,"sentiment":"positive","sentiment_score":0.4100388139486313},{"text":"So it's an area that didn't wasn't really in your portfolio before.","start":770.925,"end":774.8,"sentiment":"neutral","sentiment_score":0.08770082013991971},{"text":"Would like to see happen here.","start":774.8,"end":776.24,"sentiment":"neutral","sentiment_score":0.15207315484682718}],"sentiment":"neutral","sentiment_score":0.26058465853289126,"channel":0,"num_words":84,"start":746.83,"end":776.24},{"sentences":[{"text":"It is more of a same DTS.","start":776.24,"end":777.51996,"sentiment":"neutral","sentiment_score":0.044862027413078716},{"text":"They're not holding a lot of it, and we do wanna obviously check on this down the track because there is a risk that it could have a bit of a downturn, then it is more of a same DTS.","start":777.51996,"end":788.015,"sentiment":"neutral","sentiment_score":-0.06926738652400673},{"text":"But it is an area that exposure has been looking good for and could have some really great growth down the track there, and it does look to be performing fairly well currently.","start":788.155,"end":798.015,"sentiment":"positive","sentiment_score":0.44405436154567834},{"text":"Okay.","start":798.47504,"end":798.97504,"sentiment":"neutral","sentiment_score":0.11566861718893053},{"text":"We've also added in our food.","start":800.95996,"end":803.19995,"sentiment":"neutral","sentiment_score":0.12900693466265997}],"sentiment":"neutral","sentiment_score":0.15042348146096043,"channel":0,"num_words":87,"start":776.24,"end":803.19995},{"sentences":[{"text":"So the beta shares a global agriculture.","start":803.19995,"end":806.01996,"sentiment":"neutral","sentiment_score":0.16125716056142533},{"text":"One of the areas that you didn't kinda have in the past was agriculture.","start":806.95996,"end":810.66,"sentiment":"neutral","sentiment_score":0.11317454118813787},{"text":"This is not necessarily an ESG or an ethical investment as such, but it is focused around agriculture.","start":810.95996,"end":817.355,"sentiment":"neutral","sentiment_score":0.1142579929696189},{"text":"So it provides expose exposure into the global agriculture sector and provides greater diversification.","start":817.415,"end":823.995,"sentiment":"neutral","sentiment_score":0.27874948190791266},{"text":"You didn't really have a lot in the way of agriculture and farming in the past, but this is kinda adding that into it, And it has seen some really great growth over the past couple of years as well.","start":824.455,"end":833.64,"sentiment":"positive","sentiment_score":0.35338149927556517}],"sentiment":"neutral","sentiment_score":0.24524344399731646,"channel":0,"num_words":93,"start":803.19995,"end":833.64},{"sentences":[{"text":"So we wanted to add that in there.","start":833.64,"end":835.58,"sentiment":"positive","sentiment_score":0.363932091742754},{"text":"Again, it is more of a theme ETF, systematic ETF, so we're just holding about 4% of that.","start":835.88,"end":841.42,"sentiment":"neutral","sentiment_score":0.27036064945989186},{"text":"But it is opening up to some more diversification and adding exposure into other areas that your portfolio didn't have consistently in the past.","start":841.48,"end":849.54504,"sentiment":"neutral","sentiment_score":0.29873503372073174}],"sentiment":"neutral","sentiment_score":0.29895178467035294,"channel":0,"num_words":50,"start":833.64,"end":849.54504},{"sentences":[{"text":"Mhmm.","start":849.97504,"end":850.47504,"sentiment":"neutral","sentiment_score":0.07390010356903076}],"sentiment":"neutral","sentiment_score":0.07390010356903076,"channel":1,"num_words":1,"start":849.97504,"end":850.47504},{"sentences":[{"text":"Okay?","start":850.005,"end":850.505,"sentiment":"neutral","sentiment_score":0.1296699345111847},{"text":"Excellent.","start":852.085,"end":852.585,"sentiment":"positive","sentiment_score":0.3869858980178833},{"text":"And then we've also just got the street I'm sorry.","start":853.125,"end":856.965,"sentiment":"neutral","sentiment_score":0.08154680486768484},{"text":"This is a bit of a tongue twisted one.","start":856.965,"end":859.11,"sentiment":"neutral","sentiment_score":-0.014621915088759528},{"text":"The State Street S and P Emerging Markets Carbon Aware.","start":859.51,"end":864.31,"sentiment":"neutral","sentiment_score":0.09200861640274524}],"sentiment":"neutral","sentiment_score":0.06840686482046882,"channel":0,"num_words":31,"start":850.005,"end":864.31},{"sentences":[{"text":"So this is essentially giving you exposure into some emerging markets across the globe.","start":864.31,"end":870.95,"sentiment":"neutral","sentiment_score":0.18352633608239038},{"text":"So it's more it's international as well, but it is looking at sort of small to medium cap investments and companies.","start":870.95,"end":877.525,"sentiment":"neutral","sentiment_score":0.13295183809740202},{"text":"So it's kind of also giving you a little bit more exposure into other areas that you didn't have previously, which is by no means a bad thing, adding some extra diversification to your portfolio.","start":878.385,"end":890.14,"sentiment":"positive","sentiment_score":0.49421292202813283},{"text":"Again, we're only adding 4% of this.","start":890.36,"end":892.77997,"sentiment":"neutral","sentiment_score":0.3009537288120815},{"text":"Emerging markets can have a little bit more risk to it, so we do wanna only wanna hold a small amount there, but this investment has been good growth, and it kind of builds into different areas where there might be opportunities opening up in that small to mid cap space across the globe as well.","start":892.83997,"end":909.905,"sentiment":"positive","sentiment_score":0.42570629469784244}],"sentiment":"positive","sentiment_score":0.36545141489434063,"channel":0,"num_words":133,"start":864.31,"end":909.905},{"sentences":[{"text":"So we've added this one in there for you at 4%, and then you just enter components at 20% in core composite bonds.","start":909.905,"end":918.18,"sentiment":"neutral","sentiment_score":0.22624725459710412},{"text":"They're giving you exposure to both government and corporate bonds.","start":918.18,"end":921.56,"sentiment":"neutral","sentiment_score":0.17003210186958312},{"text":"For income producing, these investments, the core composite bonds, there's no ESG rating around them.","start":921.94,"end":928.68,"sentiment":"neutral","sentiment_score":0.07876975027223428},{"text":"We did look at some ethical bond funds, but they're performing really poorly, and they're very volatile.","start":928.82,"end":936.695,"sentiment":"neutral","sentiment_score":-0.2859729734413764},{"text":"So for defensive asset, they were very up and down and very risky, very underperforming as a whole.","start":936.915,"end":943.475,"sentiment":"negative","sentiment_score":-0.4488965504699283}],"sentiment":"neutral","sentiment_score":-0.05850752202951046,"channel":0,"num_words":83,"start":909.905,"end":943.475},{"sentences":[{"text":"So we decided to go with the more core composite on the ETF side of things.","start":943.475,"end":947.62006,"sentiment":"neutral","sentiment_score":0.19257252756506205},{"text":"It has a greater track record, and you just sort of essentially, focusing on government and corporate funds there, essentially.","start":947.76,"end":954.02,"sentiment":"neutral","sentiment_score":0.3272989273071289},{"text":"We just wanna be able to create some income from these sorts of investments, which can be reinvested back into your portfolio to assist with the long term compounding effect there.","start":954.24005,"end":963.73505,"sentiment":"positive","sentiment_score":0.5388089620297954},{"text":"Does that make sense?","start":964.35504,"end":965.395,"sentiment":"neutral","sentiment_score":0.24535760655999184},{"text":"Do you have any questions so far?","start":965.395,"end":966.91504,"sentiment":"neutral","sentiment_score":0.05523252859711647}],"sentiment":"positive","sentiment_score":0.35510608892983353,"channel":0,"num_words":78,"start":943.475,"end":966.91504},{"sentences":[{"text":"I know it's a lot when you're not looking at the document, and I'm so sorry about that.","start":966.91504,"end":970.53503,"sentiment":"neutral","sentiment_score":-0.19204222369525167}],"sentiment":"neutral","sentiment_score":-0.19204222369525167,"channel":0,"num_words":18,"start":966.91504,"end":970.53503},{"sentences":[{"text":"Absolutely apologize.","start":971.33997,"end":972.48,"sentiment":"neutral","sentiment_score":-0.12135182321071625},{"text":"It's it's fine.","start":972.54,"end":973.52,"sentiment":"neutral","sentiment_score":0.0328090526163578},{"text":"I will have some advice to look at it and update my ATM using what am I investing in.","start":974.45996,"end":981.52,"sentiment":"neutral","sentiment_score":0.04235004555237921},{"text":"But","start":982.54504,"end":983.04504,"sentiment":"neutral","sentiment_score":0.06064627319574356}],"sentiment":"neutral","sentiment_score":0.028840826004743577,"channel":1,"num_words":25,"start":971.33997,"end":983.04504},{"sentences":[{"text":"Yes.","start":982.89,"end":983.29004,"sentiment":"neutral","sentiment_score":0.10436248779296876},{"text":"Yes.","start":983.29004,"end":983.69,"sentiment":"neutral","sentiment_score":0.0984664112329483},{"text":"That was the one","start":983.69,"end":984.57,"sentiment":"neutral","sentiment_score":0.05208002217113972}],"sentiment":"neutral","sentiment_score":0.06852483128507932,"channel":0,"num_words":6,"start":982.89,"end":984.57},{"sentences":[{"text":"so","start":984.385,"end":984.705,"sentiment":"neutral","sentiment_score":0.05030464380979538}],"sentiment":"neutral","sentiment_score":0.05030464380979538,"channel":1,"num_words":1,"start":984.385,"end":984.705},{"sentences":[{"text":"thing","start":984.57,"end":984.73004,"sentiment":"neutral","sentiment_score":0.05940057337284088}],"sentiment":"neutral","sentiment_score":0.05940057337284088,"channel":0,"num_words":1,"start":984.57,"end":984.73004},{"sentences":[{"text":"the","start":984.705,"end":984.78503,"sentiment":"neutral","sentiment_score":0.03726791962981224}],"sentiment":"neutral","sentiment_score":0.03726791962981224,"channel":1,"num_words":1,"start":984.705,"end":984.78503},{"sentences":[{"text":"I","start":984.73004,"end":984.89,"sentiment":"neutral","sentiment_score":0.00877378135919571}],"sentiment":"neutral","sentiment_score":0.00877378135919571,"channel":0,"num_words":1,"start":984.73004,"end":984.89},{"sentences":[{"text":"ones","start":984.78503,"end":985.28503,"sentiment":"neutral","sentiment_score":-0.014637965708971024}],"sentiment":"neutral","sentiment_score":-0.014637965708971024,"channel":1,"num_words":1,"start":984.78503,"end":985.28503},{"sentences":[{"text":"did that you'd have to do.","start":984.89,"end":986.35004,"sentiment":"neutral","sentiment_score":0.021196117003758747}],"sentiment":"neutral","sentiment_score":0.021196117003758747,"channel":0,"num_words":6,"start":984.89,"end":986.35004},{"sentences":[{"text":"yeah.","start":986.54504,"end":987.025,"sentiment":"neutral","sentiment_score":0.044890597462654114},{"text":"So the one thing the one thing is are we the ones that we were removing from our portfolio, is that immediate or billing?","start":987.025,"end":994.62,"sentiment":"neutral","sentiment_score":0.01286811629931132}],"sentiment":"neutral","sentiment_score":0.014149015545845032,"channel":1,"num_words":25,"start":986.54504,"end":994.62},{"sentences":[{"text":"So these will all happen once you sign the document, we submit the we basically tell Hub twenty four this is what we wanna do, and we submit the investment changes.","start":996.495,"end":1005.81,"sentiment":"neutral","sentiment_score":0.12185598963931683},{"text":"It can take essentially between two to three weeks to complete the investment switch, but mostly they're all basically ETFs, so most of them can be completed very, very quickly.","start":1006.43,"end":1016.21,"sentiment":"neutral","sentiment_score":0.15788400396704674},{"text":"But as soon as you sign the document, we submit that request and have those changes submitted straight away.","start":1016.815,"end":1022.975,"sentiment":"neutral","sentiment_score":0.21600478926771566},{"text":"Because I know once KPMG approves that, it all has to happen fairly quickly, doesn't it?","start":1022.975,"end":1027.5549,"sentiment":"neutral","sentiment_score":0.08795792993623763}],"sentiment":"neutral","sentiment_score":0.14609868409267315,"channel":0,"num_words":96,"start":996.495,"end":1027.5549},{"sentences":[{"text":"Yeah.","start":1028.13,"end":1028.53,"sentiment":"neutral","sentiment_score":-0.0175106693059206},{"text":"But my my question is, for","start":1028.53,"end":1030.45,"sentiment":"neutral","sentiment_score":-0.07659018971025944}],"sentiment":"neutral","sentiment_score":-0.06815025822392531,"channel":1,"num_words":7,"start":1028.13,"end":1030.45},{"sentences":[{"text":"Yep.","start":1030.255,"end":1030.755,"sentiment":"neutral","sentiment_score":-0.0476779043674469}],"sentiment":"neutral","sentiment_score":-0.0476779043674469,"channel":0,"num_words":1,"start":1030.255,"end":1030.755},{"sentences":[{"text":"the ones that we're removing, are we removing them in totality or we're still keeping is there some that we're reducing the number of shares we're still keeping it?","start":1030.45,"end":1039.085,"sentiment":"neutral","sentiment_score":-0.20201627113695803}],"sentiment":"neutral","sentiment_score":-0.20201627113695803,"channel":1,"num_words":29,"start":1030.45,"end":1039.085},{"sentences":[{"text":"Yeah.","start":1040.31,"end":1040.79,"sentiment":"neutral","sentiment_score":-0.08560341596603394},{"text":"So we are keeping some of them.","start":1040.79,"end":1042.39,"sentiment":"neutral","sentiment_score":-0.10501236681427274},{"text":"Like the SE, we're just selling off a portion of that.","start":1042.39,"end":1045.11,"sentiment":"neutral","sentiment_score":-0.13326390155337073},{"text":"We're keeping about 9% of the portfolio.","start":1045.11,"end":1047.3949,"sentiment":"neutral","sentiment_score":-0.04990614631346294},{"text":"The cybersecurity, we're just rebalancing back.","start":1047.455,"end":1049.855,"sentiment":"neutral","sentiment_score":-0.16552616904179254}],"sentiment":"neutral","sentiment_score":-0.11340915434993804,"channel":0,"num_words":32,"start":1040.31,"end":1049.855},{"sentences":[{"text":"That's only a four a a partial sale.","start":1049.855,"end":1052.575,"sentiment":"neutral","sentiment_score":-0.13512353133410215},{"text":"Sorry.","start":1052.575,"end":1053.075,"sentiment":"neutral","sentiment_score":-0.22831431031227112},{"text":"The FAIR, the Vanguard, that is being sold completely, and so would the World Australian Carbon Aware, that's all being sold off completely as well.","start":1053.855,"end":1063.96,"sentiment":"neutral","sentiment_score":-0.1680582994222641},{"text":"But some of them will be kept in there.","start":1063.96,"end":1065.72,"sentiment":"neutral","sentiment_score":-0.13355225076278052},{"text":"We're just rebalancing some of them as well.","start":1065.72,"end":1068.2,"sentiment":"neutral","sentiment_score":-0.14830376487225294}],"sentiment":"neutral","sentiment_score":-0.15488549847813213,"channel":0,"num_words":51,"start":1049.855,"end":1068.2},{"sentences":[{"text":"So yeah.","start":1068.2,"end":1069.72,"sentiment":"neutral","sentiment_score":0.0005580028519034386},{"text":"Does that answer your question?","start":1069.72,"end":1071.1,"sentiment":"neutral","sentiment_score":0.004615193046629429}],"sentiment":"neutral","sentiment_score":0.003455995848136289,"channel":0,"num_words":7,"start":1068.2,"end":1071.1},{"sentences":[{"text":"Yep.","start":1072.485,"end":1072.8049,"sentiment":"neutral","sentiment_score":0.03264789283275604},{"text":"Yep.","start":1072.8049,"end":1073.045,"sentiment":"neutral","sentiment_score":0.033129844814538956},{"text":"Yep.","start":1073.045,"end":1073.365,"sentiment":"neutral","sentiment_score":0.03349725902080536},{"text":"So 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listed?","start":1076.005,"end":1077.845,"sentiment":"neutral","sentiment_score":-0.006751334693815027},{"text":"Like","start":1077.845,"end":1078.005,"sentiment":"neutral","sentiment_score":-0.004095979034900665}],"sentiment":"neutral","sentiment_score":-0.0038428532246213695,"channel":1,"num_words":13,"start":1074.565,"end":1078.005},{"sentences":[{"text":"Yeah.","start":1077.855,"end":1078.355,"sentiment":"neutral","sentiment_score":0.017208639532327652}],"sentiment":"neutral","sentiment_score":0.017208639532327652,"channel":0,"num_words":1,"start":1077.855,"end":1078.355},{"sentences":[{"text":"yeah.","start":1078.8049,"end":1079.205,"sentiment":"neutral","sentiment_score":0.04047621786594391},{"text":"Okay.","start":1079.205,"end":1079.525,"sentiment":"neutral","sentiment_score":0.13522391021251678}],"sentiment":"neutral","sentiment_score":0.08785006403923035,"channel":1,"num_words":2,"start":1078.8049,"end":1079.525},{"sentences":[{"text":"Absolutely.","start":1079.455,"end":1079.955,"sentiment":"positive","sentiment_score":0.38481754064559937}],"sentiment":"positive","sentiment_score":0.38481754064559937,"channel":0,"num_words":1,"start":1079.455,"end":1079.955},{"sentences":[{"text":"Cool.","start":1079.525,"end":1080.025,"sentiment":"positive","sentiment_score":0.4260584414005279}],"sentiment":"positive","sentiment_score":0.4260584414005279,"channel":1,"num_words":1,"start":1079.525,"end":1080.025},{"sentences":[{"text":"So there's a table that shows you the buyers and the sales on page number 19 there.","start":1080.015,"end":1085.155,"sentiment":"neutral","sentiment_score":0.3059437888510087},{"text":"You'll be able to sort of go through and see all of that nice and clear.","start":1086.095,"end":1090.0499,"sentiment":"positive","sentiment_score":0.47025834210217},{"text":"There's also a fee comparison table.","start":1090.0499,"end":1092.0499,"sentiment":"neutral","sentiment_score":0.17387634267409643},{"text":"So one of the things that I did look at was whenever we are switching investments, there is a capital gains cost difference.","start":1092.0499,"end":1097.65,"sentiment":"neutral","sentiment_score":0.09834298556265623},{"text":"Your fund just like you, your super fund does a tax return every year.","start":1097.65,"end":1101.705,"sentiment":"neutral","sentiment_score":0.1011380883199828}],"sentiment":"neutral","sentiment_score":0.22955602427062236,"channel":0,"num_words":76,"start":1080.015,"end":1101.705},{"sentences":[{"text":"Inside super, there are capital gains taxes, income taxes, and things like that.","start":1102.0249,"end":1106.765,"sentiment":"neutral","sentiment_score":0.05490248363751631},{"text":"So in order to complete the switch of the investment, with the research I've been able to conduct, essentially, your super fund is expected to pay capital gains tax of a $116.","start":1106.985,"end":1117.565,"sentiment":"neutral","sentiment_score":0.15461743739433587},{"text":"The newer investment portfolio has had a greater past return, so it's about increasing your growth asset allocation.","start":1118.58,"end":1125.48,"sentiment":"neutral","sentiment_score":0.25097014755010605},{"text":"When we kind of look at how investments have been performing, the newer portfolio has averaged about 7.42 on a yearly basis over the past five years.","start":1126.58,"end":1136.5449,"sentiment":"neutral","sentiment_score":0.1250956148185112},{"text":"The new the older portfolio that you're in, when we were kinda looking at that as a whole in the totality side of things, it averaged about 6.11%.","start":1137.325,"end":1145.585,"sentiment":"neutral","sentiment_score":0.08217265882662364}],"sentiment":"neutral","sentiment_score":0.13438448294113248,"channel":0,"num_words":118,"start":1102.0249,"end":1145.585},{"sentences":[{"text":"And that can be different within your fund initially, but the newer portfolio shows over the past that it's got a greater potential for greater gains in the future.","start":1146.16,"end":1156.1,"sentiment":"positive","sentiment_score":0.4477504874611723},{"text":"And it's also a cheaper fund, so it's actually saving you an investment fee.","start":1157.04,"end":1160.96,"sentiment":"positive","sentiment_score":0.6302724821226937},{"text":"It's estimated to save about a $187 for the year on investment fees.","start":1160.96,"end":1166.6749,"sentiment":"positive","sentiment_score":0.6227420706015366},{"text":"So it's also a cheaper portfolio to hold than your current portfolio is as well.","start":1166.6749,"end":1171.8949,"sentiment":"positive","sentiment_score":0.5124220232168833}],"sentiment":"positive","sentiment_score":0.5294444528473935,"channel":0,"num_words":71,"start":1146.16,"end":1171.8949},{"sentences":[{"text":"Oh, that's good.","start":1171.6399,"end":1172.7,"sentiment":"neutral","sentiment_score":0.2691597839196523},{"text":"So you're saying my passport","start":1172.7599,"end":1174.38,"sentiment":"neutral","sentiment_score":0.03359484933316707}],"sentiment":"neutral","sentiment_score":0.12193169980309904,"channel":1,"num_words":8,"start":1171.6399,"end":1174.38},{"sentences":[{"text":"Yeah.","start":1174.115,"end":1174.615,"sentiment":"neutral","sentiment_score":0.04650772362947464}],"sentiment":"neutral","sentiment_score":0.04650772362947464,"channel":0,"num_words":1,"start":1174.115,"end":1174.615},{"sentences":[{"text":"the last it was performing not as great, but it wasn't so bad as an as an average.","start":1174.7599,"end":1179.195,"sentiment":"neutral","sentiment_score":0.006636267877183855}],"sentiment":"neutral","sentiment_score":0.006636267877183855,"channel":1,"num_words":18,"start":1174.7599,"end":1179.195},{"sentences":[{"text":"Yeah.","start":1180.74,"end":1181.14,"sentiment":"neutral","sentiment_score":0.07299269735813141},{"text":"Correct.","start":1181.14,"end":1181.62,"sentiment":"neutral","sentiment_score":0.10642758756875992},{"text":"Correct.","start":1181.62,"end":1182.1,"sentiment":"neutral","sentiment_score":0.12146469950675964},{"text":"Look.","start":1182.1,"end":1182.26,"sentiment":"neutral","sentiment_score":0.12515167891979218},{"text":"It wasn't wasn't the best, but it's not that bad.","start":1182.26,"end":1186.34,"sentiment":"neutral","sentiment_score":0.08049515038728713}],"sentiment":"neutral","sentiment_score":0.08792772623045104,"channel":0,"num_words":14,"start":1180.74,"end":1186.34},{"sentences":[{"text":"When I sort of look at as a comparison, Australian Ethical Super, they've averaged over the five years.","start":1186.34,"end":1194.455,"sentiment":"neutral","sentiment_score":0.12382205451528232},{"text":"They're reporting 5.8%.","start":1194.455,"end":1196.7949,"sentiment":"neutral","sentiment_score":0.18717610836029053},{"text":"So, realistically, your past portfolio hasn't been performing terribly.","start":1196.9349,"end":1201.115,"sentiment":"neutral","sentiment_score":-0.01226571367846595},{"text":"It could definitely be doing better, and that's kind of what we wanna see when we are looking at investors and kind of looking at ways to build and grow them.","start":1201.8,"end":1209.4801,"sentiment":"neutral","sentiment_score":0.20829788643506267},{"text":"We wanna look at the best possible past performance to give us a guide on how portfolios can, you know, grow and produce growth over the future.","start":1209.4801,"end":1219.105,"sentiment":"neutral","sentiment_score":0.2414967285262214}],"sentiment":"neutral","sentiment_score":0.1779270458289168,"channel":0,"num_words":88,"start":1186.34,"end":1219.105},{"sentences":[{"text":"So the newer portfolio was cheaper.","start":1219.105,"end":1221.2649,"sentiment":"neutral","sentiment_score":0.20681719730297723},{"text":"It has had a greater past performance.","start":1221.2649,"end":1223.105,"sentiment":"neutral","sentiment_score":0.26643669605255127},{"text":"That's what I would like to see in the future, but we do need to catch up in the next sort of three to four, even six months depending on your comfort level just to sort of see how that is tracking once the once that portfolio has been altered and changed to sort of make sure that it is on track because you are ethically invested.","start":1223.105,"end":1240.87,"sentiment":"neutral","sentiment_score":0.10116806731962447},{"text":"It does mean that some of these investments can perform worse.","start":1241.01,"end":1245.8301,"sentiment":"negative","sentiment_score":-0.48554808443242853},{"text":"They some of these investments are more thematic, so they do have a little bit more risk that comes with them.","start":1246.525,"end":1252.305,"sentiment":"negative","sentiment_score":-0.3664876705124265}],"sentiment":"neutral","sentiment_score":-0.028152227168902755,"channel":0,"num_words":112,"start":1219.105,"end":1252.305},{"sentences":[{"text":"The CNDCS, especially the ones around the, you know, the drive, that sort of area, They do have the tendency to drop depending on, you know, how vehicles are traveling or mobility side of things.","start":1253.005,"end":1265.04,"sentiment":"neutral","sentiment_score":-0.016385395478989397},{"text":"So we do wanna come back and review those.","start":1265.04,"end":1267.7001,"sentiment":"neutral","sentiment_score":0.024574641552236345},{"text":"But looking at building the portfolio, this came out really good.","start":1268.0801,"end":1271.6001,"sentiment":"positive","sentiment_score":0.6320871060544794},{"text":"I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible.","start":1271.6001,"end":1281.345,"sentiment":"positive","sentiment_score":0.7063767276704311},{"text":"So the overall portfolio does add greater diversification there for you.","start":1281.345,"end":1286.1449,"sentiment":"positive","sentiment_score":0.684214478189295}],"sentiment":"positive","sentiment_score":0.37480669024837565,"channel":0,"num_words":98,"start":1253.005,"end":1286.1449},{"sentences":[{"text":"So that is one good thing that I did like about this portfolio.","start":1286.1449,"end":1289.2,"sentiment":"positive","sentiment_score":0.8059780964484582}],"sentiment":"positive","sentiment_score":0.8059780964484582,"channel":0,"num_words":13,"start":1286.1449,"end":1289.2},{"sentences":[{"text":"Awesome.","start":1289.8899,"end":1290.3899,"sentiment":"positive","sentiment_score":0.5318013429641724},{"text":"Yeah.","start":1290.5299,"end":1290.7699,"sentiment":"neutral","sentiment_score":0.2093758285045624},{"text":"I did interrupt you before.","start":1290.7699,"end":1291.97,"sentiment":"neutral","sentiment_score":0.05284172035753727}],"sentiment":"neutral","sentiment_score":0.14362653903663158,"channel":1,"num_words":7,"start":1289.8899,"end":1291.97},{"sentences":[{"text":"Yeah.","start":1291.82,"end":1292.32,"sentiment":"neutral","sentiment_score":0.010673709213733671}],"sentiment":"neutral","sentiment_score":0.010673709213733671,"channel":0,"num_words":1,"start":1291.82,"end":1292.32},{"sentences":[{"text":"So what was it?","start":1291.97,"end":1292.85,"sentiment":"neutral","sentiment_score":0.016234944108873606},{"text":"Was it was there anything else you wanted to go through?","start":1292.85,"end":1297.025,"sentiment":"neutral","sentiment_score":0.025656430474059147}],"sentiment":"neutral","sentiment_score":0.02314403411000967,"channel":1,"num_words":15,"start":1291.97,"end":1297.025},{"sentences":[{"text":"No.","start":1297.66,"end":1297.98,"sentiment":"neutral","sentiment_score":-0.03223779797554016},{"text":"That's that's basically it.","start":1297.98,"end":1299.74,"sentiment":"neutral","sentiment_score":-0.015197559259831905},{"text":"It's touching on the changes that we need to make.","start":1299.74,"end":1302.135,"sentiment":"neutral","sentiment_score":0.03885929770767689},{"text":"There are the pages in there do outline more around the advantages, disadvantages, the risks involved.","start":1302.615,"end":1308.155,"sentiment":"neutral","sentiment_score":0.02461303654126823},{"text":"I did go through some of them with you, but when you get some time, take take have yourself a cup of tea coffee, whatever you're comfortable with.","start":1308.295,"end":1316.34,"sentiment":"neutral","sentiment_score":0.10691899407122817}],"sentiment":"neutral","sentiment_score":0.062425514588416636,"channel":0,"num_words":59,"start":1297.66,"end":1316.34},{"sentences":[{"text":"Take some time to read through the advice document.","start":1316.82,"end":1318.9,"sentiment":"neutral","sentiment_score":0.08848918643262652},{"text":"If you find you do have additional questions, you're welcome to let me know there.","start":1318.9,"end":1322.6799,"sentiment":"neutral","sentiment_score":0.16867267936468125},{"text":"I just had to touch some of the points that I needed to, albeit understanding that you're not looking at it.","start":1322.98,"end":1328.02,"sentiment":"neutral","sentiment_score":-0.06853230137910162},{"text":"So sometimes it can come across like I'm talking at you.","start":1328.02,"end":1331.155,"sentiment":"neutral","sentiment_score":-0.1462143429301002},{"text":"I do apologize.","start":1331.155,"end":1332.0549,"sentiment":"neutral","sentiment_score":-0.13520893454551697}],"sentiment":"neutral","sentiment_score":-0.002146949770592027,"channel":0,"num_words":59,"start":1316.82,"end":1332.0549},{"sentences":[{"text":"I had no attention of that.","start":1332.115,"end":1333.5549,"sentiment":"neutral","sentiment_score":-0.15252751857042313},{"text":"It's just making sure I touch on the things that I absolutely have to as part of the presentation of this, and then allowing you time to go back and take it in and read it, and albeit making sure that it's provided to KPMG so they can approve the portfolio.","start":1333.5549,"end":1346.92,"sentiment":"neutral","sentiment_score":0.02042802703548588},{"text":"Or if they don't approve anything particular, letting you know, we can always go back and readjust this for you.","start":1347.38,"end":1353.62,"sentiment":"neutral","sentiment_score":-0.029174076952040197},{"text":"Okay.","start":1353.62,"end":1354.12,"sentiment":"neutral","sentiment_score":0.06711435317993164}],"sentiment":"neutral","sentiment_score":-0.00499619126248245,"channel":0,"num_words":78,"start":1332.115,"end":1354.12},{"sentences":[{"text":"Yeah.","start":1354.765,"end":1355.005,"sentiment":"neutral","sentiment_score":0.09827446937561037},{"text":"Exactly.","start":1355.005,"end":1355.505,"sentiment":"neutral","sentiment_score":0.166288360953331},{"text":"Exactly.","start":1355.565,"end":1356.065,"sentiment":"neutral","sentiment_score":0.2985716164112091},{"text":"Appreciate it.","start":1359.565,"end":1360.205,"sentiment":"positive","sentiment_score":0.502101331949234},{"text":"And that's it's nothing to apologize.","start":1360.205,"end":1361.585,"sentiment":"neutral","sentiment_score":0.13770785120626292}],"sentiment":"neutral","sentiment_score":0.21759856526147237,"channel":1,"num_words":11,"start":1354.765,"end":1361.585},{"sentences":[{"text":"But, like, let's like, if you wanna give a real and frank assessment of personal opinion, you know, I I'm happy to take criticism, but, like, how how is this really going?","start":1362.605,"end":1375.68,"sentiment":"neutral","sentiment_score":0.09939553868025541},{"text":"Like, am I wasting my time here?","start":1375.68,"end":1377.36,"sentiment":"neutral","sentiment_score":-0.14293221810034343},{"text":"Is there a lot of a lot of stuff I'm missing out on compared to your other clients when they don't have an ethical kind of filter on their portfolio?","start":1377.36,"end":1385.355,"sentiment":"neutral","sentiment_score":-0.27073922206958134},{"text":"Feel free to give me the real cold hard facts.","start":1386.375,"end":1389.115,"sentiment":"neutral","sentiment_score":-0.15399961173534393}],"sentiment":"neutral","sentiment_score":-0.09470938061234317,"channel":1,"num_words":79,"start":1362.605,"end":1389.115},{"sentences":[{"text":"Yeah.","start":1390.775,"end":1391.095,"sentiment":"neutral","sentiment_score":0.008271034806966782},{"text":"So, realistically, having an ethical portfolio means that there is a difference to growth.","start":1391.095,"end":1397.035,"sentiment":"neutral","sentiment_score":0.12122173261429582},{"text":"Realistically, when you are invested ethically, you understand the markets are gonna be lower.","start":1397.655,"end":1402.97,"sentiment":"neutral","sentiment_score":0.03940874417977674},{"text":"Ethical investments have had great growth in the past.","start":1402.97,"end":1406.09,"sentiment":"positive","sentiment_score":0.5752015312512716},{"text":"2122 is probably more for the best growth.","start":1406.09,"end":1408.75,"sentiment":"positive","sentiment_score":0.3912769742310047}],"sentiment":"neutral","sentiment_score":0.22965494097898836,"channel":0,"num_words":46,"start":1390.775,"end":1408.75},{"sentences":[{"text":"Since then, they have not been performing as well.","start":1408.97,"end":1411.79,"sentiment":"neutral","sentiment_score":0.1843166169193056},{"text":"So you're not realistically gonna get the kind of growth that most of our portfolios do obtain, but it's also gonna be with a comfort level for you.","start":1412.33,"end":1420.995,"sentiment":"neutral","sentiment_score":0.25936790821807726},{"text":"So you it's not saying you can't get growth.","start":1420.995,"end":1423.635,"sentiment":"neutral","sentiment_score":0.10005280872186025},{"text":"You can.","start":1423.635,"end":1424.4551,"sentiment":"neutral","sentiment_score":0.26951268315315247},{"text":"Ethical portfolios do have a place in the market, and there's plenty of people who do wanna be, you know, ethical in their investment.","start":1425.0751,"end":1432.135,"sentiment":"positive","sentiment_score":0.3563139121979475}],"sentiment":"neutral","sentiment_score":0.2626692433324125,"channel":0,"num_words":72,"start":1408.97,"end":1432.135},{"sentences":[{"text":"So I do not in any way, shape, or form think you're wasting your time.","start":1432.1951,"end":1435.73,"sentiment":"neutral","sentiment_score":-0.3291044612725576},{"text":"That is my honest opinion.","start":1435.73,"end":1437.27,"sentiment":"neutral","sentiment_score":0.05397830158472061},{"text":"This can work for you.","start":1438.13,"end":1439.89,"sentiment":"positive","sentiment_score":0.45910232663154604},{"text":"I think what we might need to do down the track, though, is consider additional contributions to help boost that growth, Essentially, with what's going in, you're on a good income.","start":1439.89,"end":1448.9651,"sentiment":"neutral","sentiment_score":0.1643825151747273},{"text":"You've got good employer contributions, but to maybe look at, you know, closing the gap between the growth of a non ethical portfolio, I do think additional contributions down the track could provide greater benefit to you.","start":1448.9651,"end":1462.88,"sentiment":"neutral","sentiment_score":0.21238630929508726}],"sentiment":"neutral","sentiment_score":0.11379556598201875,"channel":0,"num_words":93,"start":1432.1951,"end":1462.88},{"sentences":[{"text":"But I think to start with making this change, having it sit there for a little bit, reevaluate it in the next sort of six to twelve months at least just to see how it is tracking and then kind of reevaluating it again.","start":1463.18,"end":1477.535,"sentiment":"neutral","sentiment_score":0.07421792870048773},{"text":"I do hope this portfolio works the way it should.","start":1477.595,"end":1480.635,"sentiment":"neutral","sentiment_score":0.3176682829856873},{"text":"I do not wanna really be making changes on a yearly basis because that provides no great benefit to you.","start":1480.635,"end":1487.135,"sentiment":"neutral","sentiment_score":-0.26408406272530555},{"text":"But I think this is working really well.","start":1487.92,"end":1490.8201,"sentiment":"neutral","sentiment_score":0.29838127829134464},{"text":"The old portfolio, you know, had some kinks in it.","start":1490.9601,"end":1494.56,"sentiment":"neutral","sentiment_score":-0.2830731600522995}],"sentiment":"neutral","sentiment_score":0.007792489825869384,"channel":0,"num_words":92,"start":1463.18,"end":1494.56},{"sentences":[{"text":"It was also one of the first ethical portfolios that was kind of built, and there's been a lot of changes in the ethical space in the last couple of months there.","start":1494.56,"end":1502.66,"sentiment":"neutral","sentiment_score":-0.16353921149857342}],"sentiment":"neutral","sentiment_score":-0.16353921149857342,"channel":0,"num_words":32,"start":1494.56,"end":1502.66},{"sentences":[{"text":"Yes.","start":1503.16,"end":1503.66,"sentiment":"neutral","sentiment_score":-0.03318449482321739}],"sentiment":"neutral","sentiment_score":-0.03318449482321739,"channel":1,"num_words":1,"start":1503.16,"end":1503.66},{"sentences":[{"text":"But with what's been changing globally as well, we might actually see a bit more of a step where people head back towards that ethical side of things again.","start":1503.6749,"end":1512.715,"sentiment":"neutral","sentiment_score":0.05714873866788272},{"text":"So there's always a lot of unknowns when it comes to investing as a whole.","start":1512.715,"end":1517.455,"sentiment":"neutral","sentiment_score":-0.14292927980422973}],"sentiment":"neutral","sentiment_score":-0.011059676720337435,"channel":0,"num_words":44,"start":1503.6749,"end":1517.455},{"sentences":[{"text":"Okay.","start":1517.745,"end":1518.245,"sentiment":"neutral","sentiment_score":0.023839648813009266}],"sentiment":"neutral","sentiment_score":0.023839648813009266,"channel":1,"num_words":1,"start":1517.745,"end":1518.245},{"sentences":[{"text":"I am sort of in of the opinion that we just you try something.","start":1518.2001,"end":1522.62,"sentiment":"neutral","sentiment_score":0.10932811456067222},{"text":"You look at something.","start":1522.68,"end":1523.56,"sentiment":"neutral","sentiment_score":0.1589198000729084},{"text":"You look at the past data and go, cool.","start":1523.56,"end":1525.64,"sentiment":"neutral","sentiment_score":0.1965116924709744},{"text":"This has been working in the past.","start":1525.64,"end":1527.4,"sentiment":"positive","sentiment_score":0.37061058623450144},{"text":"This is what I'm aiming for currently.","start":1527.4,"end":1529.26,"sentiment":"positive","sentiment_score":0.3418177919728415}],"sentiment":"neutral","sentiment_score":0.2176067483861272,"channel":0,"num_words":41,"start":1518.2001,"end":1529.26},{"sentences":[{"text":"This is where I think I should be, and then you just sort of focus and look at that and alter it as you need to down the track.","start":1529.3201,"end":1536.1951,"sentiment":"neutral","sentiment_score":0.23871140593084797},{"text":"So","start":1536.1951,"end":1536.675,"sentiment":"neutral","sentiment_score":0.06330184638500214}],"sentiment":"neutral","sentiment_score":0.23286442061265308,"channel":0,"num_words":30,"start":1529.3201,"end":1536.675},{"sentences":[{"text":"Yeah.","start":1536.38,"end":1536.5399,"sentiment":"neutral","sentiment_score":0.08535008132457733},{"text":"Yeah.","start":1536.5399,"end":1536.7,"sentiment":"neutral","sentiment_score":0.10217653214931488}],"sentiment":"neutral","sentiment_score":0.0937633067369461,"channel":1,"num_words":2,"start":1536.38,"end":1536.7},{"sentences":[{"text":"you","start":1536.675,"end":1536.915,"sentiment":"neutral","sentiment_score":0.09064878523349762}],"sentiment":"neutral","sentiment_score":0.09064878523349762,"channel":0,"num_words":1,"start":1536.675,"end":1536.915},{"sentences":[{"text":"Yeah.","start":1536.7,"end":1537.005,"sentiment":"neutral","sentiment_score":0.1339448094367981}],"sentiment":"neutral","sentiment_score":0.1339448094367981,"channel":1,"num_words":1,"start":1536.7,"end":1537.005},{"sentences":[{"text":"it it don't ever think that being ethical is wrong and, you know, you're gonna be worse off because of it.","start":1537.0751,"end":1543.3151,"sentiment":"neutral","sentiment_score":-0.12932009853067852},{"text":"There's nothing to say you will be.","start":1543.3151,"end":1545.415,"sentiment":"neutral","sentiment_score":0.07399049827030726},{"text":"It's just about closing the gap and understanding where you're at and investing in a space that's comfortable for you as well as getting long term sustainable growth.","start":1545.96,"end":1555.48,"sentiment":"neutral","sentiment_score":0.26834746237312046},{"text":"The other thing to sort of consider and the conversations I've had with a lot of people this year are around, you know, portfolios over the past that have, you know, fifteen, twenty percent growth, absolutely fabulous.","start":1555.48,"end":1567.475,"sentiment":"positive","sentiment_score":0.4292985297538139},{"text":"There's no guarantees of that.","start":1567.535,"end":1569.475,"sentiment":"neutral","sentiment_score":0.06291017606854439}],"sentiment":"neutral","sentiment_score":0.2195360902696848,"channel":0,"num_words":98,"start":1537.0751,"end":1569.475},{"sentences":[{"text":"In all honesty, to have a portfolio that shows you in the past, it's formed around about seven to 8% in that growth environment.","start":1569.535,"end":1577.5399,"sentiment":"neutral","sentiment_score":0.3186910580843687},{"text":"It's actually showing you that it's probably got more of a chance of he keeping that sustainable growth moving forward than a portfolio that's averaged a 17% return over the past.","start":1577.7599,"end":1588.6849,"sentiment":"neutral","sentiment_score":0.3092096753178104},{"text":"There's absolutely no way a portfolio can sustain 17% every year for the next five to ten years, whereas in that growth portfolio, you're more likely to try and obtain that sort of return.","start":1588.825,"end":1601.39,"sentiment":"neutral","sentiment_score":-0.04730897769331932},{"text":"In the growth environment, you're still going to get a negative return, and we expect one sort of one in every five odd years.","start":1601.39,"end":1608.69,"sentiment":"neutral","sentiment_score":-0.2453555048753818},{"text":"But as long as you're in a portfolio that gives you diversification, takes advantage in certain areas, and is tracking and giving you an average rate of return that can be compounded forward, you're gonna be okay.","start":1609.39,"end":1620.9249,"sentiment":"positive","sentiment_score":0.4013761132955551}],"sentiment":"neutral","sentiment_score":0.1639197610815366,"channel":0,"num_words":150,"start":1569.535,"end":1620.9249},{"sentences":[{"text":"You're gonna do really well.","start":1620.9249,"end":1622.465,"sentiment":"positive","sentiment_score":0.6417459726333619},{"text":"And you're still young.","start":1623.245,"end":1624.445,"sentiment":"neutral","sentiment_score":0.11015730863437057},{"text":"You've got a lot of time ahead of you.","start":1624.445,"end":1626.36,"sentiment":"neutral","sentiment_score":0.029592369372646015},{"text":"You're compounding things at a lot longer than most people are.","start":1626.44,"end":1632.12,"sentiment":"neutral","sentiment_score":-0.034332399066029626},{"text":"Most of my clients, unfortunately, are retiring with lower balances in super, you know, less than 500,000 because super wasn't a thing in the early days.","start":1632.12,"end":1641.82,"sentiment":"neutral","sentiment_score":-0.17785311590593594}],"sentiment":"neutral","sentiment_score":-0.019748126931319183,"channel":0,"num_words":55,"start":1620.9249,"end":1641.82},{"sentences":[{"text":"It's","start":1642.1951,"end":1642.515,"sentiment":"neutral","sentiment_score":0.003707709489390254}],"sentiment":"neutral","sentiment_score":0.003707709489390254,"channel":0,"num_words":1,"start":1642.1951,"end":1642.515},{"sentences":[{"text":"Yes.","start":1642.36,"end":1642.86,"sentiment":"neutral","sentiment_score":0.06591109931468964}],"sentiment":"neutral","sentiment_score":0.06591109931468964,"channel":1,"num_words":1,"start":1642.36,"end":1642.86},{"sentences":[{"text":"more of a you know, we're at a higher contributions right now, which is also gonna provide a greater benefit to you.","start":1642.515,"end":1649.0751,"sentiment":"neutral","sentiment_score":0.2289618683809584},{"text":"So I'm uncomfortable with you not getting, you know, a 20% return every single every single year if the returns you're getting are sustainable if we're taking advantage of the lower years.","start":1649.0751,"end":1661.12,"sentiment":"neutral","sentiment_score":-0.17509867972694337},{"text":"But I wanted to make sure that your portfolio was ethical.","start":1661.5,"end":1664.7,"sentiment":"neutral","sentiment_score":0.15248460593548688},{"text":"It was in line with what you wanted to see and","start":1664.7,"end":1667.58,"sentiment":"neutral","sentiment_score":0.18993977525017477}],"sentiment":"neutral","sentiment_score":0.0421140992915944,"channel":0,"num_words":76,"start":1642.515,"end":1667.58},{"sentences":[{"text":"Yeah.","start":1667.35,"end":1667.85,"sentiment":"neutral","sentiment_score":0.04732542484998703}],"sentiment":"neutral","sentiment_score":0.04732542484998703,"channel":1,"num_words":1,"start":1667.35,"end":1667.85},{"sentences":[{"text":"that we could update it.","start":1667.58,"end":1669.26,"sentiment":"neutral","sentiment_score":0.06691574826836585},{"text":"And it will have to be updated.","start":1669.26,"end":1670.8049,"sentiment":"neutral","sentiment_score":0.05640559856380735},{"text":"Don't wanna do it every year for you because that doesn't benefit you, but it does have to be updated and changed whenever there does need to be changes in the market, whenever, you know, certain things might be under performing, whereas the market might not see that underperformance.","start":1670.8049,"end":1686.87,"sentiment":"neutral","sentiment_score":-0.034144064202448546},{"text":"So, yeah, that's essentially my honest opinion for you.","start":1687.01,"end":1690.77,"sentiment":"neutral","sentiment_score":0.07695358225868808},{"text":"I hope that is okay.","start":1690.77,"end":1692.07,"sentiment":"neutral","sentiment_score":0.14246156811714172}],"sentiment":"neutral","sentiment_score":0.006149984883765378,"channel":0,"num_words":75,"start":1667.58,"end":1692.07},{"sentences":[{"text":"But, yeah, I like this portfolio.","start":1692.61,"end":1695.35,"sentiment":"positive","sentiment_score":0.5347020030021667},{"text":"I really actually enjoyed building it.","start":1695.57,"end":1697.335,"sentiment":"positive","sentiment_score":0.7778335710366567},{"text":"There's a lot of 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time.","start":1703.8949,"end":1713.35,"sentiment":"neutral","sentiment_score":0.1480680235168513},{"text":"So this portfolio is encompassing some ethical areas as well as some that are less ethical, but not sort of taking into account anything crazy.","start":1713.35,"end":1722.585,"sentiment":"neutral","sentiment_score":0.011169189065694808},{"text":"So we're looking at core confidence of funds and cybersecurity and also focusing on, like, agriculture.","start":1722.725,"end":1729.625,"sentiment":"neutral","sentiment_score":0.13330853264778852}],"sentiment":"neutral","sentiment_score":0.13732054039508432,"channel":0,"num_words":91,"start":1698.695,"end":1729.625},{"sentences":[{"text":"So while they don't have an ESD rating, they are still fairly ethical fairly ethically sound.","start":1730.005,"end":1736.6,"sentiment":"neutral","sentiment_score":0.14551784377545118},{"text":"So you're not investing in anything that kinda goes really against what you're comfortable with, if that makes sense.","start":1736.6,"end":1742.62,"sentiment":"neutral","sentiment_score":-0.16865268075152448}],"sentiment":"neutral","sentiment_score":-0.025031869539192744,"channel":0,"num_words":35,"start":1730.005,"end":1742.62},{"sentences":[{"text":"Yeah.","start":1742.9349,"end":1743.36,"sentiment":"neutral","sentiment_score":0.09502725303173064},{"text":"Yeah.","start":1743.6,"end":1743.84,"sentiment":"neutral","sentiment_score":0.17585568130016327},{"text":"So so I really appreciate your stuff and all the other team effort in this kinda as it's on the first, so I really appreciate it.","start":1743.84,"end":1752.0,"sentiment":"positive","sentiment_score":0.529320722589126},{"text":"But my 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just dropped everything and get rid of anything.","start":1753.6799,"end":1756.72,"sentiment":"neutral","sentiment_score":-0.2701771942277749},{"text":"My my question was more someone else on average with a similar risk profile and then just","start":1756.72,"end":1765.775,"sentiment":"neutral","sentiment_score":-0.20467191759277792}],"sentiment":"neutral","sentiment_score":-0.23177754930381117,"channel":1,"num_words":29,"start":1753.6799,"end":1765.775},{"sentences":[{"text":"Mhmm.","start":1765.72,"end":1766.22,"sentiment":"neutral","sentiment_score":-0.09166892617940904}],"sentiment":"neutral","sentiment_score":-0.09166892617940904,"channel":0,"num_words":1,"start":1765.72,"end":1766.22},{"sentences":[{"text":"having a standard, you know, a standard kind of portfolio with a bit of anything on everything.","start":1765.775,"end":1773.73,"sentiment":"neutral","sentiment_score":-0.06579646007979617},{"text":"I was curious to","start":1774.51,"end":1775.47,"sentiment":"neutral","sentiment_score":-0.008043840527534485}],"sentiment":"neutral","sentiment_score":-0.054795961117460615,"channel":1,"num_words":21,"start":1765.775,"end":1775.47},{"sentences":[{"text":"Yes.","start":1775.32,"end":1775.82,"sentiment":"neutral","sentiment_score":0.021465960890054703}],"sentiment":"neutral","sentiment_score":0.021465960890054703,"channel":0,"num_words":1,"start":1775.32,"end":1775.82},{"sentences":[{"text":"be like, are they getting sustainable performance of, like, 10 or 15% year on year on our last five years, and then I'm sort of missing out on pretty much half of that, Or or are we actually almost very similar when it's just the same","start":1775.47,"end":1792.4049,"sentiment":"neutral","sentiment_score":-0.03290880957375402}],"sentiment":"neutral","sentiment_score":-0.03290880957375402,"channel":1,"num_words":46,"start":1775.47,"end":1792.4049},{"sentences":[{"text":"Yeah.","start":1792.18,"end":1792.34,"sentiment":"neutral","sentiment_score":0.023440111428499225},{"text":"Yeah.","start":1792.34,"end":1792.84,"sentiment":"neutral","sentiment_score":0.00486757792532444}],"sentiment":"neutral","sentiment_score":0.014153844676911833,"channel":0,"num_words":2,"start":1792.18,"end":1792.84},{"sentences":[{"text":"when it becomes the same with me?","start":1792.4049,"end":1794.025,"sentiment":"neutral","sentiment_score":-0.00213016223694597}],"sentiment":"neutral","sentiment_score":-0.00213016223694597,"channel":1,"num_words":7,"start":1792.4049,"end":1794.025},{"sentences":[{"text":"Yeah.","start":1794.9,"end":1795.4,"sentiment":"neutral","sentiment_score":0.05491865053772926},{"text":"Look, honestly, with the way the markets are at the moment, most growth portfolios are averaging around about nine to 10%.","start":1795.78,"end":1803.3201,"sentiment":"neutral","sentiment_score":0.14999472598234811},{"text":"So you're not missing out on a great deal.","start":1804.835,"end":1806.995,"sentiment":"neutral","sentiment_score":0.19827136231793296},{"text":"No one's really, you know, gonna get that 17 or 20%.","start":1806.995,"end":1811.395,"sentiment":"neutral","sentiment_score":-0.14945738153024155},{"text":"The most sustainable, nonethical portfolios in that growth environment are are generally looking to obtain about that nine to 10%, and that's what is sort of sitting at the moment.","start":1811.395,"end":1823.3201,"sentiment":"neutral","sentiment_score":0.019832658395171166}],"sentiment":"neutral","sentiment_score":0.05472498211181826,"channel":0,"num_words":72,"start":1794.9,"end":1823.3201},{"sentences":[{"text":"So I wouldn't say you're missing out on a great deal of growth by being 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additional contributions, how do","start":1836.9601,"end":1839.52,"sentiment":"neutral","sentiment_score":0.043857815116643904}],"sentiment":"neutral","sentiment_score":0.043857815116643904,"channel":1,"num_words":5,"start":1836.9601,"end":1839.52},{"sentences":[{"text":"Yeah.","start":1839.475,"end":1839.975,"sentiment":"neutral","sentiment_score":0.0915079265832901}],"sentiment":"neutral","sentiment_score":0.0915079265832901,"channel":0,"num_words":1,"start":1839.475,"end":1839.975},{"sentences":[{"text":"I do","start":1839.52,"end":1840.1,"sentiment":"neutral","sentiment_score":0.12581591308116913}],"sentiment":"neutral","sentiment_score":0.12581591308116913,"channel":1,"num_words":2,"start":1839.52,"end":1840.1},{"sentences":[{"text":"So we can look at making salary sacrifice contributions and adding to what you've got currently.","start":1842.115,"end":1848.6699,"sentiment":"neutral","sentiment_score":0.16608899226412177},{"text":"We can look at updating advice to maybe take 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can.","start":1943.485,"end":1944.7849,"sentiment":"neutral","sentiment_score":0.30774609247843426},{"text":"If you make them a non concessional contributions, you can do it by way of BPAY or EFT.","start":1944.845,"end":1951.1849,"sentiment":"neutral","sentiment_score":0.16909988348682722},{"text":"I can send you the information.","start":1951.245,"end":1952.625,"sentiment":"neutral","sentiment_score":0.2246322756012281}],"sentiment":"neutral","sentiment_score":0.19487205224818197,"channel":0,"num_words":29,"start":1942.42,"end":1952.625},{"sentences":[{"text":"That way, you're able to make those when you want.","start":1952.6849,"end":1955.1,"sentiment":"neutral","sentiment_score":0.21020477563142775},{"text":"When it comes to cabs making non concessional contributions, which is your essentially ad hoc contributions from your bank account, they allow you to make up to a 130 for this financial 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strategies.","start":2285.515,"end":2286.335,"sentiment":"neutral","sentiment_score":0.12540342658758163},{"text":"Do I need do I need to have a first PA?","start":2287.835,"end":2291.355,"sentiment":"neutral","sentiment_score":0.009406050159172579},{"text":"Do I need to get independent order settings?","start":2291.355,"end":2294.07,"sentiment":"neutral","sentiment_score":-0.0012692662421613932},{"text":"Do I need to have a whole team?","start":2294.45,"end":2295.81,"sentiment":"neutral","sentiment_score":-0.008709840942174196},{"text":"Uh-huh.","start":2295.81,"end":2296.29,"sentiment":"neutral","sentiment_score":-0.03521621227264404}],"sentiment":"neutral","sentiment_score":0.007974144505957763,"channel":1,"num_words":30,"start":2285.515,"end":2296.29},{"sentences":[{"text":"Sorry.","start":2296.29,"end":2296.6099,"sentiment":"neutral","sentiment_score":-0.12762965261936188},{"text":"I will stop threatening for a second there.","start":2296.6099,"end":2298.95,"sentiment":"neutral","sentiment_score":-0.28459759801626205}],"sentiment":"neutral","sentiment_score":-0.2671567151943843,"channel":1,"num_words":9,"start":2296.29,"end":2298.95},{"sentences":[{"text":"No.","start":2300.2998,"end":2300.6199,"sentiment":"neutral","sentiment_score":-0.23109860718250275},{"text":"Look.","start":2300.6199,"end":2300.94,"sentiment":"neutral","sentiment_score":-0.1716228723526001},{"text":"You've gotta have dreams in life.","start":2300.94,"end":2302.78,"sentiment":"neutral","sentiment_score":-0.13310151733458042},{"text":"Life is, know, we go to work.","start":2302.78,"end":2304.405,"sentiment":"neutral","sentiment_score":-0.03894542104431561},{"text":"The only wasn't I said the only thing that seems that mentally, the only thing a constant in life is death and taxes.","start":2304.405,"end":2310.8052,"sentiment":"neutral","sentiment_score":-0.24717126138832257}],"sentiment":"neutral","sentiment_score":-0.18839177744168983,"channel":0,"num_words":38,"start":2300.2998,"end":2310.8052},{"sentences":[{"text":"So you've gotta have dreams.","start":2310.8052,"end":2312.245,"sentiment":"neutral","sentiment_score":-0.17854418158531188},{"text":"And if winning Lotto is one of those dreams, you dream away.","start":2312.245,"end":2315.865,"sentiment":"negative","sentiment_score":-0.3391682282090187}],"sentiment":"neutral","sentiment_score":-0.2919258615549873,"channel":0,"num_words":17,"start":2310.8052,"end":2315.865},{"sentences":[{"text":"Exactly.","start":2318.915,"end":2319.395,"sentiment":"neutral","sentiment_score":0.017244378104805946},{"text":"Yeah.","start":2319.395,"end":2319.795,"sentiment":"neutral","sentiment_score":-0.016845062375068665},{"text":"There was actually a dream that I had that I I last night night that I had bought a ticket in a $1,000,000,000,000 lottery or something overseas.","start":2319.795,"end":2329.3901,"sentiment":"neutral","sentiment_score":-0.05870189438401549},{"text":"Anyway but then those things don't really exist.","start":2331.61,"end":2335.305,"sentiment":"neutral","sentiment_score":-0.20617082901299},{"text":"I always I think","start":2336.585,"end":2337.385,"sentiment":"neutral","sentiment_score":-0.13287067413330078}],"sentiment":"neutral","sentiment_score":-0.091839052714044,"channel":1,"num_words":41,"start":2318.915,"end":2337.385},{"sentences":[{"text":"No.","start":2337.185,"end":2337.685,"sentiment":"neutral","sentiment_score":-0.26015669107437134}],"sentiment":"neutral","sentiment_score":-0.26015669107437134,"channel":0,"num_words":1,"start":2337.185,"end":2337.685},{"sentences":[{"text":"I think they sometimes","start":2337.385,"end":2338.345,"sentiment":"neutral","sentiment_score":-0.2372831255197525}],"sentiment":"neutral","sentiment_score":-0.2372831255197525,"channel":1,"num_words":4,"start":2337.385,"end":2338.345},{"sentences":[{"text":"Understandable.","start":2337.905,"end":2338.405,"sentiment":"neutral","sentiment_score":-0.26454219222068787}],"sentiment":"neutral","sentiment_score":-0.26454219222068787,"channel":0,"num_words":1,"start":2337.905,"end":2338.405},{"sentences":[{"text":"do.","start":2338.345,"end":2338.845,"sentiment":"neutral","sentiment_score":-0.17217114567756653},{"text":"They they get humongously taxed overseas.","start":2338.905,"end":2341.4849,"sentiment":"negative","sentiment_score":-0.3660016159216563}],"sentiment":"negative","sentiment_score":-0.33831154874392916,"channel":1,"num_words":7,"start":2338.345,"end":2341.4849},{"sentences":[{"text":"Uh-huh.","start":2343.185,"end":2343.685,"sentiment":"neutral","sentiment_score":-0.09443864971399309},{"text":"Yeah.","start":2343.905,"end":2344.405,"sentiment":"neutral","sentiment_score":-0.07517698407173157},{"text":"Yeah.","start":2344.4648,"end":2344.7048,"sentiment":"neutral","sentiment_score":-0.14534610509872437},{"text":"I don't do anything.","start":2344.7048,"end":2345.765,"sentiment":"neutral","sentiment_score":-0.26330141723155975},{"text":"But I don't understand when it comes to overseas markets and yeah.","start":2346.28,"end":2350.7002,"sentiment":"neutral","sentiment_score":-0.2876648927728335}],"sentiment":"neutral","sentiment_score":-0.2536919011097205,"channel":0,"num_words":19,"start":2343.185,"end":2350.7002},{"sentences":[{"text":"The the rule around the lot of overseas are really bizarre.","start":2351.08,"end":2354.54,"sentiment":"negative","sentiment_score":-0.36533570831472223},{"text":"All good.","start":2359.155,"end":2359.715,"sentiment":"neutral","sentiment_score":0.1279510222375393},{"text":"But, look, honestly, thank you so much for your time.","start":2359.715,"end":2361.955,"sentiment":"positive","sentiment_score":0.3821397677063942},{"text":"Take some time to read through the document.","start":2361.955,"end":2363.5552,"sentiment":"neutral","sentiment_score":0.2547575756907463},{"text":"We outline everything I've completed there for you.","start":2363.5552,"end":2366.135,"sentiment":"neutral","sentiment_score":0.32364470325410366}],"sentiment":"neutral","sentiment_score":0.1201493631188686,"channel":0,"num_words":39,"start":2351.08,"end":2366.135},{"sentences":[{"text":"There's no additional implementation fees for the advisers.","start":2366.835,"end":2369.7952,"sentiment":"neutral","sentiment_score":0.1363446032628417},{"text":"All part of you being an ongoing client and paying the ongoing service fee there.","start":2369.7952,"end":2373.655,"sentiment":"neutral","sentiment_score":0.2747636338075002},{"text":"If you find you do have any questions, let me know.","start":2373.88,"end":2376.04,"sentiment":"neutral","sentiment_score":0.15367825058373538},{"text":"I'll do up a bit of an email shortly for you so you've got that there with my email address, and you're welcome to let me know if any questions come up from the document.","start":2376.04,"end":2383.18,"sentiment":"neutral","sentiment_score":0.18827394438641412},{"text":"Or if KPMC come back saying that there's something that you can't can't invest in, we can go back and alter it.","start":2383.24,"end":2389.295,"sentiment":"neutral","sentiment_score":-0.2080259986899116}],"sentiment":"neutral","sentiment_score":0.09797459529651391,"channel":0,"num_words":91,"start":2366.835,"end":2389.295},{"sentences":[{"text":"Okay.","start":2389.355,"end":2389.855,"sentiment":"neutral","sentiment_score":0.02067764289677143}],"sentiment":"neutral","sentiment_score":0.02067764289677143,"channel":0,"num_words":1,"start":2389.355,"end":2389.855},{"sentences":[{"text":"Yeah.","start":2389.8098,"end":2390.3098,"sentiment":"neutral","sentiment_score":0.02622186951339245},{"text":"Yeah.","start":2390.9949,"end":2391.2349,"sentiment":"neutral","sentiment_score":-0.052854448556900024},{"text":"But it's it's one of those funny things that they I can kind of look into it, but when I actually put into the system, it actually wants to know what it's purchased already.","start":2391.2349,"end":2398.375,"sentiment":"neutral","sentiment_score":0.031170947805923575},{"text":"So it's sort of","start":2398.755,"end":2399.895,"sentiment":"neutral","sentiment_score":-0.00305806437972933}],"sentiment":"neutral","sentiment_score":0.025523684720974417,"channel":1,"num_words":40,"start":2389.8098,"end":2399.895},{"sentences":[{"text":"Yeah.","start":2400.0999,"end":2400.5999,"sentiment":"neutral","sentiment_score":-0.025234103202819824}],"sentiment":"neutral","sentiment_score":-0.025234103202819824,"channel":0,"num_words":1,"start":2400.0999,"end":2400.5999},{"sentences":[{"text":"they can't more, like, tell me after the fact kinda thing.","start":2400.595,"end":2404.31,"sentiment":"neutral","sentiment_score":-0.13538073071024634},{"text":"And also, there's also different rules.","start":2404.4502,"end":2406.1301,"sentiment":"neutral","sentiment_score":-0.05935218371450901},{"text":"I can self declare that I'm on the order page, so it doesn't apply or something like that.","start":2406.1301,"end":2410.77,"sentiment":"neutral","sentiment_score":-0.03301083137436459},{"text":"So, yeah, I'll I'll look at the details.","start":2410.77,"end":2412.7102,"sentiment":"neutral","sentiment_score":0.07193717360496521},{"text":"I'll get back to you in the next probably by a week.","start":2413.1702,"end":2415.495,"sentiment":"neutral","sentiment_score":0.11142498751481374}],"sentiment":"neutral","sentiment_score":-0.009579979378560727,"channel":1,"num_words":55,"start":2400.595,"end":2415.495},{"sentences":[{"text":"Yep.","start":2417.225,"end":2417.725,"sentiment":"neutral","sentiment_score":0.2395910918712616},{"text":"That's not a problem at all.","start":2417.865,"end":2419.625,"sentiment":"positive","sentiment_score":0.5921583970387777},{"text":"All good.","start":2419.625,"end":2420.025,"sentiment":"positive","sentiment_score":0.7717440128326416},{"text":"Thank you so much for your time.","start":2420.025,"end":2421.305,"sentiment":"positive","sentiment_score":0.874895555632455},{"text":"I hope you have a good afternoon, and I hope you have a good weekend ahead.","start":2421.305,"end":2424.7449,"sentiment":"positive","sentiment_score":0.8063322566449642}],"sentiment":"positive","sentiment_score":0.7613004529848695,"channel":0,"num_words":32,"start":2417.225,"end":2424.7449},{"sentences":[{"text":"We're nearly there.","start":2424.7449,"end":2425.83,"sentiment":"positive","sentiment_score":0.6300919651985168}],"sentiment":"positive","sentiment_score":0.6300919651985168,"channel":0,"num_words":3,"start":2424.7449,"end":2425.83},{"sentences":[{"text":"Yes.","start":2426.375,"end":2426.8552,"sentiment":"positive","sentiment_score":0.556344211101532},{"text":"Appreciate it.","start":2426.8552,"end":2427.3352,"sentiment":"positive","sentiment_score":0.7890567183494568},{"text":"Thank you.","start":2427.3352,"end":2427.7808,"sentiment":"positive","sentiment_score":0.7626366913318634},{"text":"You too.","start":2427.7808,"end":2428.1008,"sentiment":"positive","sentiment_score":0.6160933375358582},{"text":"All the best.","start":2428.1008,"end":2429.0808,"sentiment":"positive","sentiment_score":0.6884981393814087}],"sentiment":"positive","sentiment_score":0.6957412123680115,"channel":1,"num_words":10,"start":2426.375,"end":2429.0808},{"sentences":[{"text":"Thanks, Anthony.","start":2430.07,"end":2430.87,"sentiment":"positive","sentiment_score":0.7248333096504211},{"text":"I'll talk to you soon.","start":2430.87,"end":2431.75,"sentiment":"positive","sentiment_score":0.5736236333847046},{"text":"Enjoy the rest of your","start":2431.75,"end":2433.05,"sentiment":"positive","sentiment_score":0.6272906303405762}],"sentiment":"positive","sentiment_score":0.6211864948272705,"channel":0,"num_words":12,"start":2430.07,"end":2433.05},{"sentences":[{"text":"Yes.","start":2433.3809,"end":2433.6208,"sentiment":"positive","sentiment_score":0.38645344972610474},{"text":"You too.","start":2433.6208,"end":2434.0208,"sentiment":"positive","sentiment_score":0.4283136576414108},{"text":"Thank you.","start":2434.0208,"end":2434.7607,"sentiment":"positive","sentiment_score":0.5863873660564423}],"sentiment":"positive","sentiment_score":0.4831710994243622,"channel":1,"num_words":5,"start":2433.3809,"end":2434.7607},{"sentences":[{"text":"day.","start":2435.11,"end":2435.35,"sentiment":"positive","sentiment_score":0.34260907769203186}],"sentiment":"positive","sentiment_score":0.34260907769203186,"channel":0,"num_words":1,"start":2435.11,"end":2435.35},{"sentences":[{"text":"Bye.","start":2435.1409,"end":2435.6409,"sentiment":"positive","sentiment_score":0.3465639352798462}],"sentiment":"positive","sentiment_score":0.3465639352798462,"channel":1,"num_words":1,"start":2435.1409,"end":2435.6409},{"sentences":[{"text":"Thanks.","start":2435.35,"end":2435.83,"sentiment":"positive","sentiment_score":0.5609899759292603},{"text":"See you later.","start":2435.83,"end":2436.47,"sentiment":"positive","sentiment_score":0.4655127028624217},{"text":"Bye.","start":2436.47,"end":2436.97,"sentiment":"neutral","sentiment_score":-0.09948672354221344}],"sentiment":"positive","sentiment_score":0.37160827219486237,"channel":0,"num_words":5,"start":2435.35,"end":2436.97}]},"summary":{"result":"success","short":"The speakers discuss various investments and risks in the portfolio, including reducing exposure to certain risk areas and diversifying growth investments. They emphasize the importance of personal opinions and updating portfolios to sustain investment performance and avoid underperformance. They also discuss the benefits of a nonconcessional contribution and the possibility of adding salary sacrifice contributions to the current portfolio. The speakers provide information on insurance policies and offer to answer any questions. They end the conversation with plans to follow up in a week."},"intents":{"segments":[{"text":"What I'd probably ask, if you can, you can reply I back to the OdooSign email, but you've got my direct email there as well because I've emailed you in the past. Do you still have that at all? think I do.","start_word":191,"end_word":232,"intents":[{"intent":"Discuss policy preferences","confidence_score":3.0702132e-8}]},{"text":"So you asked me to go back and have a really good look around the market to see if there's any additional areas that we're maybe not touching on with regard to the portfolio and to see if there's some, you know, other areas ethically that we could move into. We did do that.","start_word":462,"end_word":515,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.25840956}]},{"text":"So I look to replace that with another diversified Australian ethical investment, and I'll be removing that completely from your portfolio.","start_word":799,"end_word":819,"intents":[{"intent":"Replace investment","confidence_score":0.0005604162}]},{"text":"Essentially, your portfolio is a little bit overweighted. I wanna hold about 4% in there for you just to give you a bit of a weighting.","start_word":923,"end_word":948,"intents":[{"intent":"Provide portfolio weighting","confidence_score":0.00020914128}]},{"text":"Essentially, your portfolio is a little bit overweighted. I wanna hold about 4% in there for you just to give you a bit of a weighting. It is a somatic sort of ETF investment. You've got about 5.52% there at the moment, so we're just gonna kinda rebalance that back a little bit.","start_word":923,"end_word":975,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.7495376}]},{"text":"So when we kind of look at how this investment has been performing over the past sort of one to two years, it's had its ups and downs. It's not being too bad, but, realistically, it's kind of holding your portfolio back. So it's best to kind of remove that and find other areas to be able to move and hold some defensive investments, essentially. So Sure.","start_word":1217,"end_word":1283,"intents":[{"intent":"Evaluate investment portfolio","confidence_score":0.05538344}]},{"text":"So I'm looking to remove this because we are bringing out more of those growth investments and trying to kind of bring you back to a more of a risk profile waiting that's right for your portfolio.","start_word":1624,"end_word":1660,"intents":[{"intent":"Remove bias","confidence_score":0.000118814125}]},{"text":"You've got the we're also putting in there so we are taking out the the fair, the beta shares Australian sustainable leaders, which is the Australian exposure there, and we're replacing that with the Vanguard equity conscious Australian shares.","start_word":1818,"end_word":1856,"intents":[{"intent":"Replace fair shares and portfolio","confidence_score":0.000008943079}]},{"text":"It obviously is still something we do wanna monitor moving forward, and I do wanna do a bit of a catch up down the track to make sure that these are working.","start_word":1950,"end_word":1981,"intents":[{"intent":"Monitor performance","confidence_score":0.5247156}]},{"text":"But this investment essentially provides a strong Australian ethical exposure and is intended to perform greater over the longer term based on past data and research materials. So that's still giving you some Australian exposure into the equity conscious area.","start_word":2001,"end_word":2040,"intents":[{"intent":"Maintain international exposure","confidence_score":0.2300149}]},{"text":"We've also then got the iShares core, Missy World x Australian ESG investment, and this one here is giving you a bit more diversified international exposure. It reduces reliance on the Australian market.","start_word":2041,"end_word":2073,"intents":[{"intent":"Diversify international exposure","confidence_score":0.00022074346}]},{"text":"Again, we're only adding 4% of this. Emerging markets can have a little bit more risk to it, so we do wanna only wanna hold a small amount there, but this investment has been good growth, and it kind of builds into different areas where there might be opportunities opening up in that small to mid cap space across the globe as well.","start_word":2624,"end_word":2686,"intents":[{"intent":"Add investment","confidence_score":0.029679501}]},{"text":"I will have some advice to look at it and update my ATM using what am I investing in. But Yes.","start_word":2871,"end_word":2891,"intents":[{"intent":"Provide guidance on investments","confidence_score":0.0006378517}]},{"text":"So these will all happen once you sign the document, we submit the we basically tell Hub twenty four this is what we wanna do, and we submit the investment changes.","start_word":2933,"end_word":2963,"intents":[{"intent":"Submit investment changes","confidence_score":0.21529262}]},{"text":"But as soon as you sign the document, we submit that request and have those changes submitted straight away.","start_word":2994,"end_word":3012,"intents":[{"intent":"Submit request request","confidence_score":0.015259481}]},{"text":"But my my question is, for Yep. the ones that we're removing, are we removing them in totality or we're still keeping is there some that we're reducing the number of shares we're still keeping it? Yeah.","start_word":3030,"end_word":3066,"intents":[{"intent":"Clarify number of shares kept","confidence_score":0.00621965}]},{"text":"The cybersecurity, we're just rebalancing back. That's only a four a a partial sale. Sorry. The FAIR, the Vanguard, that is being sold completely, and so would the World Australian Carbon Aware, that's all being sold off completely as well. But some of them will be kept in there. We're just rebalancing some of them as well. So yeah.","start_word":3092,"end_word":3150,"intents":[{"intent":"Rebalance portfolios","confidence_score":0.0019420398}]},{"text":"So one of the things that I did look at was whenever we are switching investments, there is a capital gains cost difference. Your fund just like you, your super fund does a tax return every year. Inside super, there are capital gains taxes, income taxes, and things like that.","start_word":3219,"end_word":3268,"intents":[{"intent":"Identify price difference","confidence_score":0.00080535485}]},{"text":"When we kind of look at how investments have been performing, the newer portfolio has averaged about 7.42 on a yearly basis over the past five years.","start_word":3320,"end_word":3346,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.39566424}]},{"text":"So we do wanna come back and review those. But looking at building the portfolio, this came out really good. I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible. So the overall portfolio does add greater diversification there for you. So that is one good thing that I did like about this portfolio. Awesome.","start_word":3721,"end_word":3797,"intents":[{"intent":"Review portfolio","confidence_score":0.5262388}]},{"text":"But looking at building the portfolio, this came out really good. I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible. So the overall portfolio does add greater diversification there for you. So that is one good thing that I did like about this portfolio. Awesome.","start_word":3730,"end_word":3797,"intents":[{"intent":"Adjust portfolio","confidence_score":0.0003196071}]},{"text":"No. That's that's basically it. It's touching on the changes that we need to make. There are the pages in there do outline more around the advantages, disadvantages, the risks involved.","start_word":3820,"end_word":3850,"intents":[{"intent":"Discuss changes","confidence_score":0.68094414}]},{"text":"There are the pages in there do outline more around the advantages, disadvantages, the risks involved.","start_word":3835,"end_word":3850,"intents":[{"intent":"Discuss advantages","confidence_score":0.17243746}]},{"text":"Take some time to read through the advice document.","start_word":3879,"end_word":3887,"intents":[{"intent":"Take advice document","confidence_score":0.0023544217}]},{"text":"I just had to touch some of the points that I needed to, albeit understanding that you're not looking at it. So sometimes it can come across like I'm talking at you.","start_word":3903,"end_word":3934,"intents":[{"intent":"Understand points","confidence_score":0.034939166}]},{"text":"But I think to start with making this change, having it sit there for a little bit, reevaluate it in the next sort of six to twelve months at least just to see how it is tracking and then kind of reevaluating it again.","start_word":4317,"end_word":4360,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.3587738}]},{"text":"In all honesty, to have a portfolio that shows you in the past, it's formed around about seven to 8% in that growth environment. It's actually showing you that it's probably got more of a chance of he keeping that sustainable growth moving forward than a portfolio that's averaged a 17% return over the past.","start_word":4660,"end_word":4714,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.014792979}]},{"text":"But I wanted to make sure that your portfolio was ethical.","start_word":4921,"end_word":4931,"intents":[{"intent":"Convey responsibility towards portfolio","confidence_score":1.5394834e-8}]},{"text":"be like, are they getting sustainable performance of, like, 10 or 15% year on year on our last five years, and then I'm sort of missing out on pretty much half of that, Or or are we actually almost very similar when it's just the same Yeah.","start_word":5250,"end_word":5296,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.016785087},{"intent":"Assess potential benefits","confidence_score":0.022209097}]},{"text":"I do So we can look at making salary sacrifice contributions and adding to what you've got currently. We can look at updating advice to maybe take advantage of past cap base because we do have what's called carry forward contributions where if your balance is under a certain threshold, so it gets 500,000 as that 32 in the prior financial year, we can look to use previous years' cap space and make additional contributions to super by way of salary sacrifice.","start_word":5420,"end_word":5501,"intents":[{"intent":"Discuss benefits of salary sacrifice contributions","confidence_score":0.00019606182},{"intent":"Consider different ways to make contributions","confidence_score":0.00000923774}]},{"text":"there'll be less money, you know, for me day to day, so I have to really, you know, count the pennies. So I'll go part time Yes. slowly soon if work will approve it. I'm looking to quit KPMG Yep. at some point. So then I don't wanna set up these salary sacrificing through what if I have to change all over again. Yeah.","start_word":5629,"end_word":5692,"intents":[{"intent":"Expressing expectation of less money","confidence_score":0.000045891567}]},{"text":"I'm looking to quit KPMG Yep.","start_word":5663,"end_word":5668,"intents":[{"intent":"Saying goodbye to kpmg","confidence_score":0.0007635701}]},{"text":"I'm looking to quit KPMG Yep. at some point.","start_word":5663,"end_word":5671,"intents":[{"intent":"Expressing desire to quit kpmg","confidence_score":0.034960665}]},{"text":"Of So maybe just putting, you know, money manually into it. Can I do that anytime?","start_word":5693,"end_word":5708,"intents":[{"intent":"Asking for the ability to edit payroll information","confidence_score":2.9370626e-9}]},{"text":"If you make them a non concessional contributions, you can do it by way of BPAY or EFT. I can send you the information. That way, you're able to make those when you want. When it comes to cabs making non concessional contributions, which is your essentially ad hoc contributions from your bank account, they allow you to make up to a 130 for this financial year.","start_word":5726,"end_word":5792,"intents":[{"intent":"Explaining the needs of non concessional contributions","confidence_score":0.00004312185},{"intent":"Asking for the ability to make contributions","confidence_score":0.00035683057},{"intent":"Requesting information about non concessional contributions","confidence_score":0.0004307868},{"intent":"Requesting an explanation for the non concessional contributions","confidence_score":0.000038745176},{"intent":"Explaining the purpose of the non concessional contributions","confidence_score":0.001094667}]},{"text":"So, yeah, I can send you that information after four if you like in the email so you've got Yes, that, please.","start_word":5875,"end_word":5896,"intents":[{"intent":"Requesting the bridging message of information after four","confidence_score":1.4825495e-9}]},{"text":"my tax accountant know this? No. No. That's fine. So you'll just put the the contributions in on a rate however often you are comfortable with. And then the only way you would need to let your accountant know you're doing that is if you decide to claim them under a notice of intent, claim as a tax deductions.","start_word":5946,"end_word":6004,"intents":[{"intent":"Inform tax accountant of tax deductions","confidence_score":0.00010292953}]},{"text":"I have 24 deduct 15% tax and pay that to the ATO, and then that $10, you can take back to your account at the end of the financial year and go, hey. I've claimed I put $10 to super. I wanna claim that $10 as a tax deduction.","start_word":6054,"end_word":6102,"intents":[{"intent":"Provide tax deduction deduction deduction information","confidence_score":0.008131468},{"intent":"Explain tax deduction deduction deduction deduction","confidence_score":0.04909329},{"intent":"Mention contribution deduction deduction deduction deduction","confidence_score":0.00030971662},{"intent":"Suggest incorporating tax deduction deductions in taxable accounts","confidence_score":5.6601555e-9}]},{"text":"The other thing I wanted to sort of talk to you about was your that new insurance that you have through host plus with your employer. Yep.","start_word":6362,"end_word":6388,"intents":[{"intent":"Discuss policy","confidence_score":0.018227108}]},{"text":"Are you comfortable if my team touch base and have a authority to collect signed?","start_word":6424,"end_word":6438,"intents":[{"intent":"Collect information","confidence_score":0.048726503}]},{"text":"Is there anything question wise that might come up that you need me to answer or help you with? Or No.","start_word":6692,"end_word":6712,"intents":[{"intent":"Answer questions","confidence_score":0.55173635}]},{"text":"portfolio, Absolutely. other strategies.","start_word":6742,"end_word":6745,"intents":[{"intent":"Discuss portfolio","confidence_score":0.047215816}]},{"text":"Do I need do I need to have a first PA? Do I need to get independent order settings?","start_word":6746,"end_word":6764,"intents":[{"intent":"Discuss independent settings","confidence_score":0.0064692954}]},{"text":"You've gotta have dreams in life. Life is, know, we go to work. The only wasn't I said the only thing that seems that mentally, the only thing a constant in life is death and taxes. So you've gotta have dreams. And if winning Lotto is one of those dreams, you dream away. Exactly.","start_word":6785,"end_word":6838,"intents":[{"intent":"Discuss dreams","confidence_score":0.39991683}]},{"text":"I don't do anything. But I don't understand when it comes to overseas markets and yeah. The the rule around the lot of overseas are really bizarre. All good.","start_word":6895,"end_word":6923,"intents":[{"intent":"Discuss overseas markets","confidence_score":0.48834968}]},{"text":"I'll do up a bit of an email shortly for you so you've got that there with my email address, and you're welcome to let me know if any questions come up from the document.","start_word":6984,"end_word":7018,"intents":[{"intent":"Discuss email","confidence_score":0.01173753}]}]},"sentiments":{"segments":[{"text":"Hi, Anthony. This is Dana from OC Financial. How are you this morning or this afternoon? Exhausted work. Yeah. I know. Understandable. I had you booked in just to go through your updated statement of advice now. Is now still a good time there for you? Yep. Yep. Yep.","start_word":0,"end_word":48,"sentiment":"neutral","sentiment_score":0.12791070342063904},{"text":"Fantastic.","start_word":49,"end_word":49,"sentiment":"positive","sentiment_score":0.6268571615219116},{"text":"Do you have access to your emails there at the moment? I normally just send the documents through to you via email so we can kinda go through it together. Sure. If Okay. you don't that's okay. If you don't, I can just go through the recommendations, and then you're welcome to read it later. It's up to you. No. I'll I'll probably I'll probably just read it in detail later, but just feel free to go through the summary or the key things on the call out or recommendations, stuff like that. Yep. Yes. Yeah.","start_word":50,"end_word":145,"sentiment":"neutral","sentiment_score":0.1390572041273117},{"text":"That's absolutely fine. Not a problem at all.","start_word":146,"end_word":153,"sentiment":"positive","sentiment_score":0.3754056692123413},{"text":"I will send it through now to you so it's in your email so when you get a chance to have a look at it later on. Any questions that you do have, please let me know. What I'd probably ask, if you can, you can reply I back to the OdooSign email, but you've got my direct email there as well because I've emailed you in the past. Do you still have that at all? think I do. Yeah. Yeah. If not, after the call, I'll send you another email so it's there. It's just when you reply back to OdooSign, sometimes that doesn't come to me directly. So it means I can't reply to the email directly. If you have any questions, pop them in an email to me directly, and that way I can answer them and email you back just to make it easier just so that we eliminate the risk of it not coming direct to me. Yes. Okay? Yeah.","start_word":154,"end_word":318,"sentiment":"neutral","sentiment_score":0.09473180025815964},{"text":"Beautiful.","start_word":319,"end_word":319,"sentiment":"positive","sentiment_score":0.5414208173751831},{"text":"I'll send you an email afterwards just to say, hey. Here's my email address. Keep this set aside somewhere. That way, you can always email me back and forth just to make it easier on you. Okay? Mhmm.","start_word":320,"end_word":357,"sentiment":"neutral","sentiment_score":0.25846439599990845},{"text":"Excellent.","start_word":358,"end_word":358,"sentiment":"positive","sentiment_score":0.4209749698638916},{"text":"So with this advice piece, just to sort of hit the target points that I have to hit on, on the front page, it does have my license number for you. My license number registered with ASIC is 1304394. The Mhmm. main sort of areas with this advice is looking at the superannuation side of things. So you're more ethically invested. That's where your interest lie, which is absolutely fine, but we had obviously noted that ethical investors haven't been performing very well. Some of it is because of the markets as a whole. Others is that some ethical investors aren't performing greater. So you asked me to go back and have a really good look around the market to see if there's any additional areas that we're maybe not touching on with regard to the portfolio and to see if there's some, you know, other areas ethically that we could move into. We did do that. It took a little bit to get the investment portfolio built up. I'm not gonna lie. There's a lot of it ethical investments that we could sort of utilize.","start_word":359,"end_word":544,"sentiment":"neutral","sentiment_score":0.018512604758143425},{"text":"There's a lot that are performing really poorly at the moment. Twenty twenty one, twenty two was kind of a height for this sort of area, and since then, a lot of a lot of investments aren't performing very well.","start_word":545,"end_word":584,"sentiment":"negative","sentiment_score":-0.3949066698551178},{"text":"So I went back, and we've kind of built a portfolio. This did have to go through my life and see because this portfolio has been built solely for you. They had to approve this portfolio prior to us making the recommendation to make sure they were happy with the portfolio and making sure it's in the line with everything we had in our investment committee's investments aligned, essentially. So this is solely being built for yourself. So have a look through it when you do. If you have any questions, come back and let me know there. With the portfolio as a whole sorry. I'm just moving down to the correct page there for you. Essentially, what we're gonna do with the portfolio is we're gonna start by essentially just reducing exposure into the BetaShares global sustainable leaders. That is a good investment, has been working really well in your portfolio there, but I am sort of branching out into other areas, so we did need to reduce the exposure here a little bit for you. So we're moving you back from 24.46% to about 9%, so it does mean selling off a little bit of portfolio. The beta shares Australian sustainable leaders investment, so fair, that hasn't been performing very, very well. So I look to replace that with another diversified Australian ethical investment, and I'll be removing that completely from your portfolio. You originally had requested the beta share cybersecurity, so it has to be added to your portfolio. That was added through a transaction without advice. Having a look at it, Hack is not a bad investment. There's no ethical sustainability. It's not it's not an ethical investment in any way, but it's something that you wanted to have in your portfolio previously. So I have looked to keep that there for you. It is giving you exposure to a specific long term growth cybersecurity market, and there are is a lot more growth to be have within that market there at the moment. Essentially, your portfolio is a little bit overweighted. I wanna hold about 4% in there for you just to give you a bit of a weighting. It is a somatic sort of ETF investment. You've got about 5.52% there at the moment, so we're just gonna kinda rebalance that back a little bit. But I am recommending that we do hold that as part of the portfolio now and moving forward there for you. With the Australian Vanguard fixed interest index, it hasn't really been performing very well, so we are looking to move that down. When we sort of look at the five year rolling average on this investment, it's down pretty heavily. The five years at the moment, it's showing about 11.21% down over the five years. Just kind of wanted to move that out and put something in its place that's a little bit performing better and, yeah, looking at other areas there for you as well. So given the long term investment time horizon and your growth risk profile, we've decided to remove this wholly and look at more positive growth areas for you and keeping still keeping some defensive investments in there. We're looking at some other areas for this one here. With Right. the Vanguard you're right. So sorry. Did you wanna ask the question? And I remember last year things were going quite okay. So has something shifted a lot? Is it just due to the market and stuff? It fixed yeah. Fixed interest has taken a bit of a hit. Bonds and fixed interest markets are affected by inflationary pressures essentially within us the Australian market. We have seen quite a bit of inflationary pressures, and, also, they're just not doing so well at the moment. So when we kind of look at how this investment has been performing over the past sort of one to two years, it's had its ups and downs. It's not being too bad, but, realistically, it's kind of holding your portfolio back. So it's best to kind of remove that and find other areas to be able to move and hold some defensive investments, essentially. So Sure. as a whole, looking at the five years, it's down over the course of the five years all up, so it's better just to kind of look at removing that and try to find some other areas for you to invest in essentially. Sure. So I remember last time people were saying, oh, let's not sell things too quickly because there's always ups and downs. So as long as as long as you feel Yeah. we're not doing it too quickly and you're doing it in a controlled way. Yeah. Absolutely. Yeah. No. Definitely. Definitely. We did go back and sort of reweight this against, you know, the other areas there, and we do feel that moving this investment is a good move for the moment. You're still gonna hold some defensive investments within your portfolio. Essentially, instead of having just the Vanguard fixed interest, we're actually gonna have in there the core composite bond. So this investment is giving you exposure to government and corporate and subcorporate bonds.","start_word":585,"end_word":1452,"sentiment":"neutral","sentiment_score":0.03985278521694483},{"text":"Bonds are good defensively.","start_word":1453,"end_word":1456,"sentiment":"positive","sentiment_score":0.4150136709213257},{"text":"They tend to pay income, income which is paid in your cash account and reinvested back. So we are replacing the Vanguard fixed interest investments with defensive investments. It's just that we're changing the nature of those investment side of things. And at the moment with your waiting, when I kinda went back and looked at it, you're more of a growth investment profile, which is at eighty twenty kind of split. You're actually more in a balanced growth environment. So, overall, your entire portfolio is slightly underweighted for where your risk profile is.","start_word":1457,"end_word":1550,"sentiment":"neutral","sentiment_score":0.149180606007576},{"text":"So this is kind of bringing you back up a little bit, if that makes sense, and increasing your growth exposure into the market.","start_word":1551,"end_word":1574,"sentiment":"positive","sentiment_score":0.4259246587753296},{"text":"Okay.","start_word":1575,"end_word":1575,"sentiment":"neutral","sentiment_score":0.31792497634887695},{"text":"All good.","start_word":1576,"end_word":1577,"sentiment":"positive","sentiment_score":0.40488457679748535},{"text":"Sorry. If I lose my voice, I do apologize. The next sort of target that we're looking at is the Vanguard diversified conservative index. So, again, you are a bit underweighted as I mentioned before. Your portfolio is more weighted towards the 70% of growth assets. So I'm looking to remove this because we are bringing out more of those growth investments and trying to kind of bring you back to a more of a risk profile waiting that's right for your portfolio. So we are looking to diversify into other growth areas to try and promote that growth side of things a little bit. So we are looking to remove the Vanguard diversified conservative index investment out of there as well. Yep. We're going to also you have the the FTDR S and P World x Carbon Aware investment. That one also is down a little bit as well, so we are looking to remove that solely from the portfolio. We are replacing that with an exposure into other ethical and EFC focused international investments to provide greater diversification for you as well because, obviously, we wanna have more growth assets and kind of rewrite your portfolio.","start_word":1578,"end_word":1775,"sentiment":"neutral","sentiment_score":0.06299816817045212},{"text":"We also wanna make sure we're diversified across the market, across the world, and across as many industries as possible. That way, we're helping to overall reduce the risk or the market risk of your portfolio as much as physically possible.","start_word":1776,"end_word":1816,"sentiment":"positive","sentiment_score":0.4327997863292694},{"text":"You've got the we're also putting in there so we are taking out the the fair, the beta shares Australian sustainable leaders, which is the Australian exposure there, and we're replacing that with the Vanguard equity conscious Australian shares. We wanna hold about 30% of this investment within the portfolio, so we'll be buying into that one. This one here invests in Australian companies that meet the ethical and responsible investment criteria. It focuses around the largest the large cap kind of space within that ethical environment. And when we sort of look at how Australian ethical investments have performed, This one has shown greater past performance than the fair.","start_word":1817,"end_word":1926,"sentiment":"neutral","sentiment_score":0.13182057440280914},{"text":"It is up at the moment and doing much better, so we feel like replacing that is a really good move for you.","start_word":1927,"end_word":1949,"sentiment":"positive","sentiment_score":0.5551409721374512},{"text":"It obviously is still something we do wanna monitor moving forward, and I do wanna do a bit of a catch up down the track to make sure that these are working. If any of these need to be replaced, we'll keep, you know, making sure we do we do so.","start_word":1950,"end_word":2000,"sentiment":"neutral","sentiment_score":0.15412867069244385},{"text":"But this investment essentially provides a strong Australian ethical exposure and is intended to perform greater over the longer term based on past data and research materials. So that's still giving you some Australian exposure into the equity conscious area.","start_word":2001,"end_word":2040,"sentiment":"positive","sentiment_score":0.3472232222557068},{"text":"We've also then got the iShares core, Missy World x Australian ESG investment, and this one here is giving you a bit more diversified international exposure. It reduces reliance on the Australian market. It's obviously not encompassing any Australian shares. That's because we have the last one, the Vanguard, as it's a conscious Australian shares in there. This is just looking at globally to try and take advantage of global markets, and it's focused across the entire globe, not just a few different countries. Yes. Historically, this has provided greater kind of performance, and we sort of know sort of based on past data, international investments do perform much greater, So we do wanna keep that international exposure there for you. So in your portfolio, we wanna hold about 25% of this investment there for you. Okay? Some other areas that we haven't taken advantage of in the past that that would be good to look at and are sort of providing some greater diversification is Mhmm. the beta shares electric vehicle and motor motor ability to drive only targeting about 4% of this investment because it is more of a somatic themed investment.","start_word":2041,"end_word":2234,"sentiment":"neutral","sentiment_score":0.1837486030975568},{"text":"It does provide a small allocation to a long term investment themed focus on changes in transport and technology, and it's an ethically driven one. So it's focused on ethical motor vehicles, mobility, and things like that for you.","start_word":2235,"end_word":2273,"sentiment":"positive","sentiment_score":0.4120433032512665},{"text":"So it's an area that didn't wasn't really in your portfolio before. Would like to see happen here. It is more of a same DTS. They're not holding a lot of it, and we do wanna obviously check on this down the track because there is a risk that it could have a bit of a downturn, then it is more of a same DTS.","start_word":2274,"end_word":2338,"sentiment":"neutral","sentiment_score":-0.007250321563333273},{"text":"But it is an area that exposure has been looking good for and could have some really great growth down the track there, and it does look to be performing fairly well currently.","start_word":2339,"end_word":2371,"sentiment":"positive","sentiment_score":0.44354674220085144},{"text":"Okay. We've also added in our food. So the beta shares a global agriculture. One of the areas that you didn't kinda have in the past was agriculture. This is not necessarily an ESG or an ethical investment as such, but it is focused around agriculture. So it provides expose exposure into the global agriculture sector and provides greater diversification.","start_word":2372,"end_word":2431,"sentiment":"neutral","sentiment_score":0.1587369590997696},{"text":"You didn't really have a lot in the way of agriculture and farming in the past, but this is kinda adding that into it, And it has seen some really great growth over the past couple of years as well. So we wanted to add that in there.","start_word":2432,"end_word":2479,"sentiment":"positive","sentiment_score":0.34347420930862427},{"text":"Again, it is more of a theme ETF, systematic ETF, so we're just holding about 4% of that. But it is opening up to some more diversification and adding exposure into other areas that your portfolio didn't have consistently in the past. Mhmm. Okay?","start_word":2480,"end_word":2523,"sentiment":"neutral","sentiment_score":0.25939804315567017},{"text":"Excellent.","start_word":2524,"end_word":2524,"sentiment":"positive","sentiment_score":0.3869858980178833},{"text":"And then we've also just got the street I'm sorry. This is a bit of a tongue twisted one. The State Street S and P Emerging Markets Carbon Aware. So this is essentially giving you exposure into some emerging markets across the globe. So it's more it's international as well, but it is looking at sort of small to medium cap investments and companies.","start_word":2525,"end_word":2588,"sentiment":"neutral","sentiment_score":0.10861363261938096},{"text":"So it's kind of also giving you a little bit more exposure into other areas that you didn't have previously, which is by no means a bad thing, adding some extra diversification to your portfolio.","start_word":2589,"end_word":2623,"sentiment":"positive","sentiment_score":0.4927978515625},{"text":"Again, we're only adding 4% of this.","start_word":2624,"end_word":2630,"sentiment":"neutral","sentiment_score":0.3087090253829956},{"text":"Emerging markets can have a little bit more risk to it, so we do wanna only wanna hold a small amount there, but this investment has been good growth, and it kind of builds into different areas where there might be opportunities opening up in that small to mid cap space across the globe as well.","start_word":2631,"end_word":2686,"sentiment":"positive","sentiment_score":0.40360963344573975},{"text":"So we've added this one in there for you at 4%, and then you just enter components at 20% in core composite bonds. They're giving you exposure to both government and corporate bonds. For income producing, these investments, the core composite bonds, there's no ESG rating around them. We did look at some ethical bond funds, but they're performing really poorly, and they're very volatile.","start_word":2687,"end_word":2751,"sentiment":"neutral","sentiment_score":0.03572271019220352},{"text":"So for defensive asset, they were very up and down and very risky, very underperforming as a whole.","start_word":2752,"end_word":2769,"sentiment":"negative","sentiment_score":-0.44765305519104},{"text":"So we decided to go with the more core composite on the ETF side of things. It has a greater track record, and you just sort of essentially, focusing on government and corporate funds there, essentially.","start_word":2770,"end_word":2805,"sentiment":"neutral","sentiment_score":0.2754751443862915},{"text":"We just wanna be able to create some income from these sorts of investments, which can be reinvested back into your portfolio to assist with the long term compounding effect there.","start_word":2806,"end_word":2836,"sentiment":"positive","sentiment_score":0.5355422496795654},{"text":"Does that make sense? Do you have any questions so far? I know it's a lot when you're not looking at the document, and I'm so sorry about that. Absolutely apologize. It's it's fine. I will have some advice to look at it and update my ATM using what am I investing in. But Yes. Yes. That was the one so thing the I ones did that you'd have to do. yeah. So the one thing the one thing is are we the ones that we were removing from our portfolio, is that immediate or billing? So these will all happen once you sign the document, we submit the we basically tell Hub twenty four this is what we wanna do, and we submit the investment changes. It can take essentially between two to three weeks to complete the investment switch, but mostly they're all basically ETFs, so most of them can be completed very, very quickly. But as soon as you sign the document, we submit that request and have those changes submitted straight away. Because I know once KPMG approves that, it all has to happen fairly quickly, doesn't it? Yeah. But my my question is, for Yep. the ones that we're removing, are we removing them in totality or we're still keeping is there some that we're reducing the number of shares we're still keeping it? Yeah. So we are keeping some of them. Like the SE, we're just selling off a portion of that. We're keeping about 9% of the portfolio. The cybersecurity, we're just rebalancing back. That's only a four a a partial sale. Sorry. The FAIR, the Vanguard, that is being sold completely, and so would the World Australian Carbon Aware, that's all being sold off completely as well. But some of them will be kept in there. We're just rebalancing some of them as well. So yeah. Does that answer your question? Yep. Yep. Yep. So is Yes. that somewhere in the documents? Is it somewhere in the documents listed? Like Yeah. yeah. Okay.","start_word":2837,"end_word":3177,"sentiment":"neutral","sentiment_score":-0.020662114166182157},{"text":"Absolutely. Cool.","start_word":3178,"end_word":3179,"sentiment":"positive","sentiment_score":0.40543800592422485},{"text":"So there's a table that shows you the buyers and the sales on page number 19 there.","start_word":3180,"end_word":3196,"sentiment":"neutral","sentiment_score":0.3158949911594391},{"text":"You'll be able to sort of go through and see all of that nice and clear.","start_word":3197,"end_word":3212,"sentiment":"positive","sentiment_score":0.4588563144207001},{"text":"There's also a fee comparison table. So one of the things that I did look at was whenever we are switching investments, there is a capital gains cost difference. Your fund just like you, your super fund does a tax return every year. Inside super, there are capital gains taxes, income taxes, and things like that. So in order to complete the switch of the investment, with the research I've been able to conduct, essentially, your super fund is expected to pay capital gains tax of a $116. The newer investment portfolio has had a greater past return, so it's about increasing your growth asset allocation. When we kind of look at how investments have been performing, the newer portfolio has averaged about 7.42 on a yearly basis over the past five years. The new the older portfolio that you're in, when we were kinda looking at that as a whole in the totality side of things, it averaged about 6.11%.","start_word":3213,"end_word":3373,"sentiment":"neutral","sentiment_score":0.13160074691964974},{"text":"And that can be different within your fund initially, but the newer portfolio shows over the past that it's got a greater potential for greater gains in the future. And it's also a cheaper fund, so it's actually saving you an investment fee. It's estimated to save about a $187 for the year on investment fees. So it's also a cheaper portfolio to hold than your current portfolio is as well.","start_word":3374,"end_word":3444,"sentiment":"positive","sentiment_score":0.545647919178009},{"text":"Oh, that's good. So you're saying my passport Yeah. the last it was performing not as great, but it wasn't so bad as an as an average. Yeah. Correct. Correct. Look. It wasn't wasn't the best, but it's not that bad. When I sort of look at as a comparison, Australian Ethical Super, they've averaged over the five years. They're reporting 5.8%. So, realistically, your past portfolio hasn't been performing terribly. It could definitely be doing better, and that's kind of what we wanna see when we are looking at investors and kind of looking at ways to build and grow them. We wanna look at the best possible past performance to give us a guide on how portfolios can, you know, grow and produce growth over the future. So the newer portfolio was cheaper. It has had a greater past performance. That's what I would like to see in the future, but we do need to catch up in the next sort of three to four, even six months depending on your comfort level just to sort of see how that is tracking once the once that portfolio has been altered and changed to sort of make sure that it is on track because you are ethically invested.","start_word":3445,"end_word":3653,"sentiment":"neutral","sentiment_score":0.13417047262191772},{"text":"It does mean that some of these investments can perform worse. They some of these investments are more thematic, so they do have a little bit more risk that comes with them.","start_word":3654,"end_word":3685,"sentiment":"negative","sentiment_score":-0.41482874751091},{"text":"The CNDCS, especially the ones around the, you know, the drive, that sort of area, They do have the tendency to drop depending on, you know, how vehicles are traveling or mobility side of things. So we do wanna come back and review those.","start_word":3686,"end_word":3729,"sentiment":"neutral","sentiment_score":-0.0064107272773981094},{"text":"But looking at building the portfolio, this came out really good. I was really happy with adding the extra exposure in here and taking advantage of areas that you may not have had in your past portfolio and diversifying as much as possible. So the overall portfolio does add greater diversification there for you. So that is one good thing that I did like about this portfolio. Awesome.","start_word":3730,"end_word":3797,"sentiment":"positive","sentiment_score":0.6992107033729553},{"text":"Yeah. I did interrupt you before. Yeah. So what was it? Was it was there anything else you wanted to go through? No. That's that's basically it. It's touching on the changes that we need to make. There are the pages in there do outline more around the advantages, disadvantages, the risks involved. I did go through some of them with you, but when you get some time, take take have yourself a cup of tea coffee, whatever you're comfortable with. Take some time to read through the advice document. If you find you do have additional questions, you're welcome to let me know there. I just had to touch some of the points that I needed to, albeit understanding that you're not looking at it. So sometimes it can come across like I'm talking at you. I do apologize. I had no attention of that. It's just making sure I touch on the things that I absolutely have to as part of the presentation of this, and then allowing you time to go back and take it in and read it, and albeit making sure that it's provided to KPMG so they can approve the portfolio. Or if they don't approve anything particular, letting you know, we can always go back and readjust this for you. Okay. Yeah. Exactly. Exactly.","start_word":3798,"end_word":4018,"sentiment":"neutral","sentiment_score":0.020910460501909256},{"text":"Appreciate it.","start_word":4019,"end_word":4020,"sentiment":"positive","sentiment_score":0.5193317532539368},{"text":"And that's it's nothing to apologize. But, like, let's like, if you wanna give a real and frank assessment of personal opinion, you know, I I'm happy to take criticism, but, like, how how is this really going? Like, am I wasting my time here? Is there a lot of a lot of stuff I'm missing out on compared to your other clients when they don't have an ethical kind of filter on their portfolio? Feel free to give me the real cold hard facts. Yeah. So, realistically, having an ethical portfolio means that there is a difference to growth. Realistically, when you are invested ethically, you understand the markets are gonna be lower.","start_word":4021,"end_word":4134,"sentiment":"neutral","sentiment_score":-0.03155945123810517},{"text":"Ethical investments have had great growth in the past. 2122 is probably more for the best growth.","start_word":4135,"end_word":4151,"sentiment":"positive","sentiment_score":0.4764996469020843},{"text":"Since then, they have not been performing as well. So you're not realistically gonna get the kind of growth that most of our portfolios do obtain, but it's also gonna be with a comfort level for you. So you it's not saying you can't get growth. You can.","start_word":4152,"end_word":4199,"sentiment":"neutral","sentiment_score":0.21291746199131012},{"text":"Ethical portfolios do have a place in the market, and there's plenty of people who do wanna be, you know, ethical in their investment.","start_word":4200,"end_word":4223,"sentiment":"positive","sentiment_score":0.3529382050037384},{"text":"So I do not in any way, shape, or form think you're wasting your time.","start_word":4224,"end_word":4238,"sentiment":"negative","sentiment_score":-0.3512066900730133},{"text":"That is my honest opinion.","start_word":4239,"end_word":4243,"sentiment":"neutral","sentiment_score":0.06417205184698105},{"text":"This can work for you.","start_word":4244,"end_word":4248,"sentiment":"positive","sentiment_score":0.4486602544784546},{"text":"I think what we might need to do down the track, though, is consider additional contributions to help boost that growth, Essentially, with what's going in, you're on a good income. You've got good employer contributions, but to maybe look at, you know, closing the gap between the growth of a non ethical portfolio, I do think additional contributions down the track could provide greater benefit to you. But I think to start with making this change, having it sit there for a little bit, reevaluate it in the next sort of six to twelve months at least just to see how it is tracking and then kind of reevaluating it again. I do hope this portfolio works the way it should. I do not wanna really be making changes on a yearly basis because that provides no great benefit to you. But I think this is working really well. The old portfolio, you know, had some kinks in it. It was also one of the first ethical portfolios that was kind of built, and there's been a lot of changes in the ethical space in the last couple of months there. Yes. But with what's been changing globally as well, we might actually see a bit more of a step where people head back towards that ethical side of things again. So there's always a lot of unknowns when it comes to investing as a whole. Okay. I am sort of in of the opinion that we just you try something. You look at something. You look at the past data and go, cool.","start_word":4249,"end_word":4513,"sentiment":"neutral","sentiment_score":0.039189957799214234},{"text":"This has been working in the past. This is what I'm aiming for currently.","start_word":4514,"end_word":4527,"sentiment":"positive","sentiment_score":0.35780420899391174},{"text":"This is where I think I should be, and then you just sort of focus and look at that and alter it as you need to down the track. So Yeah. Yeah. you Yeah. it it don't ever think that being ethical is wrong and, you know, you're gonna be worse off because of it. There's nothing to say you will be. It's just about closing the gap and understanding where you're at and investing in a space that's comfortable for you as well as getting long term sustainable growth.","start_word":4528,"end_word":4617,"sentiment":"neutral","sentiment_score":0.13034766912460327},{"text":"The other thing to sort of consider and the conversations I've had with a lot of people this year are around, you know, portfolios over the past that have, you know, fifteen, twenty percent growth, absolutely fabulous.","start_word":4618,"end_word":4654,"sentiment":"positive","sentiment_score":0.4259246289730072},{"text":"There's no guarantees of that. In all honesty, to have a portfolio that shows you in the past, it's formed around about seven to 8% in that growth environment. It's actually showing you that it's probably got more of a chance of he keeping that sustainable growth moving forward than a portfolio that's averaged a 17% return over the past. There's absolutely no way a portfolio can sustain 17% every year for the next five to ten years, whereas in that growth portfolio, you're more likely to try and obtain that sort of return. In the growth environment, you're still going to get a negative return, and we expect one sort of one in every five odd years.","start_word":4655,"end_word":4772,"sentiment":"neutral","sentiment_score":0.09190081804990768},{"text":"But as long as you're in a portfolio that gives you diversification, takes advantage in certain areas, and is tracking and giving you an average rate of return that can be compounded forward, you're gonna be okay. You're gonna do really well.","start_word":4773,"end_word":4814,"sentiment":"positive","sentiment_score":0.4457760751247406},{"text":"And you're still young. You've got a lot of time ahead of you. You're compounding things at a lot longer than most people are. Most of my clients, unfortunately, are retiring with lower balances in super, you know, less than 500,000 because super wasn't a thing in the early days. It's Yes. more of a you know, we're at a higher contributions right now, which is also gonna provide a greater benefit to you. So I'm uncomfortable with you not getting, you know, a 20% return every single every single year if the returns you're getting are sustainable if we're taking advantage of the lower years. But I wanted to make sure that your portfolio was ethical. It was in line with what you wanted to see and Yeah. that we could update it. And it will have to be updated. Don't wanna do it every year for you because that doesn't benefit you, but it does have to be updated and changed whenever there does need to be changes in the market, whenever, you know, certain things might be under performing, whereas the market might not see that underperformance. So, yeah, that's essentially my honest opinion for you. I hope that is okay.","start_word":4815,"end_word":5018,"sentiment":"neutral","sentiment_score":-0.007742172107100487},{"text":"But, yeah, I like this portfolio. I really actually enjoyed building it. There's a lot of ethical Hello?","start_word":5019,"end_word":5036,"sentiment":"positive","sentiment_score":0.5676167607307434},{"text":"investments out there. There's a lot of a lot of things that you can invest in. It's just making sure that those investments have been around long enough to sustain the market ups and downs, and ethical investments as a whole haven't really been around for a really long time. So this portfolio is encompassing some ethical areas as well as some that are less ethical, but not sort of taking into account anything crazy. So we're looking at core confidence of funds and cybersecurity and also focusing on, like, agriculture. So while they don't have an ESD rating, they are still fairly ethical fairly ethically sound. So you're not investing in anything that kinda goes really against what you're comfortable with, if that makes sense. Yeah. Yeah.","start_word":5037,"end_word":5164,"sentiment":"neutral","sentiment_score":0.09777309745550156},{"text":"So so I really appreciate your stuff and all the other team effort in this kinda as it's on the first, so I really appreciate it.","start_word":5165,"end_word":5190,"sentiment":"positive","sentiment_score":0.5200019478797913},{"text":"But my question Yeah. was That's okay. not like, oh, I just dropped everything and get rid of anything. My my question was more someone else on average with a similar risk profile and then just Mhmm. having a standard, you know, a standard kind of portfolio with a bit of anything on everything. I was curious to Yes. be like, are they getting sustainable performance of, like, 10 or 15% year on year on our last five years, and then I'm sort of missing out on pretty much half of that, Or or are we actually almost very similar when it's just the same Yeah. Yeah. when it becomes the same with me? Yeah. Look, honestly, with the way the markets are at the moment, most growth portfolios are averaging around about nine to 10%. So you're not missing out on a great deal. No one's really, you know, gonna get that 17 or 20%. The most sustainable, nonethical portfolios in that growth environment are are generally looking to obtain about that nine to 10%, and that's what is sort of sitting at the moment. So I wouldn't say you're missing out on a great deal of growth by being ethical. Cool. So that's that's that's Yeah.","start_word":5191,"end_word":5398,"sentiment":"neutral","sentiment_score":-0.010877726413757326},{"text":"good then.","start_word":5399,"end_word":5400,"sentiment":"positive","sentiment_score":0.3637308776378632},{"text":"That's it's Yeah. only a small change. Cool. Yes. So Yeah. additional Definitely. contributions additional contributions, how do Yeah. I do So we can look at making salary sacrifice contributions and adding to what you've got currently. We can look at updating advice to maybe take advantage of past cap base because we do have what's called carry forward contributions where if your balance is under a certain threshold, so it gets 500,000 as that 32 in the prior financial year, we can look to use previous years' cap space and make additional contributions to super by way of salary sacrifice. You can also make them from your after tax income and do deductible contributions, which can give you a tax deduction at the end of the year and help to, you know, lower your overall taxable income. There's a few different ways that we can do it. It also comes down to your comfort level. So do you have much in the way of expendable income? Are you comfortable adding more money to super knowing that you can't access those funds currently until you meet that condition of release? Probably But, yeah, down the track, doing those benefits. Sorry. Yep. probably not the next twelve months because I'll be looking into going part time with work. So there'll be less coming in. Okay. And then, obviously, Yep. there'll be less money, you know, for me day to day, so I have to really, you know, count the pennies. So I'll go part time Yes. slowly soon if work will approve it. I'm looking to quit KPMG Yep. at some point. So then I don't wanna set up these salary sacrificing through what if I have to change all over again. Yeah. Of So maybe just putting, you know, money manually into it. Can I do that anytime? We course. have 24. Mhmm. I have to do a special thing. Yeah. Yeah. You absolutely can. If you make them a non concessional contributions, you can do it by way of BPAY or EFT. I can send you the information. That way, you're able to make those when you want. When it comes to cabs making non concessional contributions, which is your essentially ad hoc contributions from your bank account, they allow you to make up to a 130 for this financial year. So I'm assuming you're not gonna have a $130 to pop into suit for this year with all living expenses, but that essentially is the cap space there. And we can always if you do have some ad hoc contributions, we can always sort of talk about it in, you know, May, June, next year, look at what you've put in the super and whether you wanna claim that as a tax deduction or whether that would provide a benefit to you. So, yeah, I can send you that information after four if you like in the email so you've got Yes, that, please. what a nonconcessional is, what the cap phase is, and how you do that to make it easier on you. Yes, please. Yes, please. Definitely. Yes.","start_word":5401,"end_word":5922,"sentiment":"neutral","sentiment_score":0.07966751620259094},{"text":"Yes, please. Beautiful.","start_word":5923,"end_word":5925,"sentiment":"positive","sentiment_score":0.4152684211730957},{"text":"And let's say I start putting Excellent. contributions in manually myself here and there. Do I have to let Yeah. my tax accountant know this? No. No. That's fine. So you'll just put the the contributions in on a rate however often you are comfortable with. And then the only way you would need to let your accountant know you're doing that is if you decide to claim them under a notice of intent, claim as a tax deductions. Say, as an example, if you put $10 into super and come the end of the financial year, you wanna claim that $10 as a tax deduction on your income on your income tax, we then submit a notice of intent to claim against those contributions inside super fund. I have 24 deduct 15% tax and pay that to the ATO, and then that $10, you can take back to your account at the end of the financial year and go, hey. I've claimed I put $10 to super. I wanna claim that $10 as a tax deduction. Free Okay. Well, I don't have to do that. component. So your taxable free component. So your taxable consists of everything where tax is being deducted inside super. So, like, your employer contribution, salary sacrifice, or deductible contribution. If you're just moving money into the super fund out of your bank account, it's called nonconcessional. So it goes in a 100% invested. There's no tax deducted out of that money, and it goes into your tax free component of that of the super fund there. Okay. So if if we put stuff in the email, so I'll probably just contribute couple $100 at one random Yep. month Yep. It is That's a random fine. I also break down, if that's okay, I can also break down that information that we've gone through into the email for you. You've got that as clarification as well to make it Oh, yeah. easier.","start_word":5926,"end_word":6252,"sentiment":"neutral","sentiment_score":0.1517701894044876},{"text":"I I appreciate that.","start_word":6253,"end_word":6256,"sentiment":"positive","sentiment_score":0.3857934474945069},{"text":"Because I I That's don't wanna okay.","start_word":6257,"end_word":6263,"sentiment":"negative","sentiment_score":-0.4508318603038788},{"text":"have to That's pay more more money to my tax account and stuff because he already has to do his depreciation schedule, all the stuff I have at home. He yeah. also has he also considers whatever he has to do because I already have salary sacrifice in a way through the various lease for my car, which is through Yep. my work. So I get Yep. some money to get out of my tax for that, which type of will have to stop and change if I quit PayPMG. Not a not a problem. Yep. Yep. Yeah. The other thing I wanted to sort of talk to you about was your that new insurance that you have through host plus with your employer. Yep. I'd love to look at that in a bit more detail and find out what happens with those insurances if you do quit KPMG because that gives you a good amount of life and PPD. Are you comfortable if my team touch base and have a authority to collect signed? It allows us to put that on the host plus account, and we can do research. So we can ask questions about it. We can get the product disclosure status for it, and we can find out about the funds going in, how that's being paid for, whether that's considered a contribution to you, what happens with the policy if you leave the leave your employer, how that then gets paid, or how that then can be retained. Are you comfortable if we do that additional research for you? Yes, please. Yep.","start_word":6264,"end_word":6530,"sentiment":"neutral","sentiment_score":0.022922278343515},{"text":"Beautiful.","start_word":6531,"end_word":6531,"sentiment":"positive","sentiment_score":0.4532684683799744},{"text":"Just wanna make sure I understand that policy as much as possible. That way, if you have any questions, at least we can help you to understand it as well. Because if you do resign and that policy gets canceled, then it's about looking for additional cover. But there could be a period time where you don't have any cover, and that would've been that risk to you. So I'll Yep. get my team to do up that third party authority and send it through to you to be signed. I'll just also check your ID on file is update because that has to be provided with the documents, and we can have that applied and do the research there for you. And then I can always be in touch to give you some information, talk to you about it, and let you know what the outcome of that research is. Yeah. Will do. Okay.","start_word":6532,"end_word":6686,"sentiment":"neutral","sentiment_score":0.04619733244180679},{"text":"All good. Beautiful. Excellent.","start_word":6687,"end_word":6690,"sentiment":"positive","sentiment_score":0.5872354507446289},{"text":"Is there anything question wise that might come up that you need me to answer or help you with? Or No. I think that's all for now. No. That's okay. Yeah. Let's hope I win South Florida so then we can start talking about other investments, not the super. Other Absolutely. portfolio, Absolutely. other strategies. Do I need do I need to have a first PA? Do I need to get independent order settings? Do I need to have a whole team? Uh-huh. Sorry. I will stop threatening for a second there. No. Look. You've gotta have dreams in life. Life is, know, we go to work. The only wasn't I said the only thing that seems that mentally, the only thing a constant in life is death and taxes. So you've gotta have dreams. And if winning Lotto is one of those dreams, you dream away. Exactly. Yeah. There was actually a dream that I had that I I last night night that I had bought a ticket in a $1,000,000,000,000 lottery or something overseas. Anyway but then those things don't really exist. I always I think No. I think they sometimes Understandable. do.","start_word":6691,"end_word":6885,"sentiment":"neutral","sentiment_score":-0.09108512103557588},{"text":"They they get humongously taxed overseas.","start_word":6886,"end_word":6891,"sentiment":"negative","sentiment_score":-0.40253597497940063},{"text":"Uh-huh. Yeah. Yeah. I don't do anything. But I don't understand when it comes to overseas markets and yeah.","start_word":6892,"end_word":6910,"sentiment":"neutral","sentiment_score":-0.227308988571167},{"text":"The the rule around the lot of overseas are really bizarre.","start_word":6911,"end_word":6921,"sentiment":"negative","sentiment_score":-0.3667399287223816},{"text":"All good.","start_word":6922,"end_word":6923,"sentiment":"neutral","sentiment_score":0.11610762774944304},{"text":"But, look, honestly, thank you so much for your time.","start_word":6924,"end_word":6933,"sentiment":"positive","sentiment_score":0.33975687623023987},{"text":"Take some time to read through the document. We outline everything I've completed there for you. There's no additional implementation fees for the advisers. All part of you being an ongoing client and paying the ongoing service fee there. If you find you do have any questions, let me know. I'll do up a bit of an email shortly for you so you've got that there with my email address, and you're welcome to let me know if any questions come up from the document. Or if KPMC come back saying that there's something that you can't can't invest in, we can go back and alter it. Okay. Yeah. Yeah. But it's it's one of those funny things that they I can kind of look into it, but when I actually put into the system, it actually wants to know what it's purchased already. So it's sort of Yeah. they can't more, like, tell me after the fact kinda thing. And also, there's also different rules. I can self declare that I'm on the order page, so it doesn't apply or something like that. So, yeah, I'll I'll look at the details. I'll get back to you in the next probably by a week. Yep.","start_word":6934,"end_word":7138,"sentiment":"neutral","sentiment_score":0.06183327543662816},{"text":"That's not a problem at all. All good. Thank you so much for your time. I hope you have a good afternoon, and I hope you have a good weekend ahead. We're nearly there. Yes. Appreciate it. Thank you. You too. All the best. Thanks, Anthony. I'll talk to you soon. Enjoy the rest of your Yes. You too. Thank you. day. Bye. Thanks. See you later.","start_word":7139,"end_word":7205,"sentiment":"positive","sentiment_score":0.660595178604126},{"text":"Bye.","start_word":7206,"end_word":7206,"sentiment":"neutral","sentiment_score":0.234478160738945}],"average":{"sentiment":"neutral","sentiment_score":0.1020320568891317}}}}