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It's pretty quick. But before I do go any further, I do need to just let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And even though I can hear that it is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Yep. Perfect. And how, how's your day been? Been busy? Oh, beautiful. Well, yeah. Well, I won't keep you for too long if you have to get prepped and ready, but that's really exciting. Let me know, obviously, how everything is going and if you do find a job with the forms and everything. But, yeah, hopefully, that all goes well. Now are you driving at the moment? Yeah. Are you sure? Because yeah. Because because it is pretty straightforward. So if you are driving, I'm more than happy to just kind of go through the change, which is, like, really just one change, so it is very straightforward. And then when it's safe for you to do so or tonight or whenever you have a bit more time, just have a read through it. And if you have any questions, you can always give me a call. Is would that be okay? Yep. Yes. Yes. So exact. Yes. I have just sent it. So it should be in your inbox when we get off the phone. Have a look through your spam as well because sometimes it does end up in your spam folder. Yep. Perfect. Now, Tom, like I said, today is pretty straightforward. So you will have a new SOA. A lot of it is for compliance and stuff we've already gone through. So I'll tryna keep it quick for you. As per usual, though, every time we do make a recommendation, we have to follow that best interest duty, which is that we do have to put your best your needs and your best interest above anything else. And then the advice itself has to put you in that better position. Otherwise, we can't actually make the recommendation. So we always have to follow that. And, like I said, today is pretty straightforward. We're not changing anything with your insurance and super. That is all going well. It is just literally changing one of your investments in your personal investment account, and that is that Benelong investment that was underperforming a little bit. So we are not yes. Exactly. So I'm not changing your risk profile or level of risk. We are keeping it the same, that balance growth. We are keeping that. It's going good. Now I did some research again on the Hub twenty four account because it is always good to do so because things always change. So when I'm doing research, I'll I'll just consider everything for you just because you never know. Things are always changing. But at the moment, Hub twenty four is still very competitive for you. They are competitive with price and features and everything. So not making any changes on, like, platform or anything like that. It is literally just swapping one investment. I did consider if we needed to swap other investments, but the others are doing really good, and they are positioned for that long term position. And I also don't wanna trigger any capital gains for you because you do pay for this out of pocket. So I wanted to minimize that, see if I could save a little bit of fees and improve the returns was the main point. So when you have a look at the document, you will have another of those kind of fee comparison tables. So kind of showing you, like, the fees and everything like that, which outlines the recommendation. So like I said, I have recommended one switch only. So very straightforward, and that is the Bennelong investment we spoke about last time, and it is swapping it for one that's called your BetaShares Australia two hundred. So because we are changing one Australian investment, I wanted to make sure that we still keep it diversified. We we still want some exposure to the Australian market. It is literally just swapping it for something that is going to perform a little bit better for you. So the BetaShares Australia 200, it is a little bit cheaper for you than the Bennelong investment. And on a yearly basis, it's saving you about $26. Not massive, but it still adds up. So it's still cheaper. Yep. Now when it exact exactly. And then, obviously, with compounding and years and stuff, it's gonna make a big of a difference. So that is good. Now when it comes to the actual performance as well so I have used your three and five year comparison to show you. And even more so moving forward in the future, it's going to be a bigger change because more recently, Ben Benelon has underperformed, whereas a couple of years ago and even last year, they were a lot better. So even though when I'm looking at the three entire five year time frame, the the one investment change so the current position we're looking at five years, For example, it's 10.5% return, and the the recommended is 11.61. So making one investment switch, it is improving it by about 1.11%, which might not seem like a lot, but it's still putting you in a better position. It is slightly less volatile as well. So the BetaShares Australia 200, it is basically tracking the 200 largest companies listed in Australia. So how this one is a bit different to the Bennelong. In that Bennelong, they are trying to kind of have that active buying and selling to try to outperform the market, which can come at a little bit more of a cost. Now sometimes that is worth it if the performance kind of meets it. So if the performance is really good, having a little bit higher fees for that one investment, it is worth it. But if they are not delivering the returns that warrants the fees, there's no point paying, you know, a little bit more fees if the returns aren't any better. So the a 200, it is more it's a little bit more kind of diversified for you. There's more investments in it. And it's a little bit smoother in that as a company grows and gets bigger and gets into the 200 largest, it will get added to the investment. And as something gets smaller, it then kind of comes out. So it's a little bit kind of smoother that way. And, yeah, the returns have been better even when I'm looking at a three year time frame. Currently, it's about 13.42. Recommended is 14.52. So, again, a little bit better, but every kind of percentage and every fee saving does make a big difference in the long run. Yeah. Does that make sense, Tom? Yeah. Yeah. Perfect. And that was literally the only change. Everything else is going good, but I wanted to change out that one investment for you to try and position you moving forward a little bit better. Now the good thing as well is that at the time of calculation, which can fluctuate a little bit on the daily, but it shouldn't really, There doesn't seem to be any tax at all when we do make that one investment switch because Bendelon is down a little bit. So it's not gonna trigger you to paying any additional tax by making a change, which is good because I don't want you to have to pay any more tax. Yeah. Yep. So so that's really good. And that is essentially everything. So like I said, pretty straightforward. We're not changing your risk. I have also, just for your reference, included some information in regards to a will. Just so you have that as well as just some power of attorney information, I do usually include it for everybody. It is good to have a read through and get set up if you ever have the option to do so. And then lastly, just when it comes to the fee structure, no changes like I mentioned last time. It stays exactly the same. So no changes in regards to that. So, obviously, from here is if you are happy to go ahead with that one investment change, Tom, when you have a moment, have a read through the document. If you have any questions, you just call me or send me an email, and we can go through anything. But if you are happy with the change, pretty straightforward, then it would just be to sign the document digitally, you can do. It will ask you to add your signature and a a date. Now sometimes there is a box where it will actually ask you to type anything. That is just there for if you would like to make a change to anything, you can type it there. But if there's no changes, you can just put, like, NA or full stop, and it will let you move forward. Yep. Perfect. If you do have any issues or questions, just let me know. But that was basically everything from me today. So like I said, pretty straightforward. Do you have any questions or anything for me otherwise before I let you go and get ready for your interview? Yep. Yes. I may. Yeah. Yeah. Exact no. Yeah. Of course. And I'm always here. That's what we that's the ongoing service. That's why we're always here to do it, but not even during under review. So, obviously, we do research all the time. And if we ever see anything that's going to change, we'll give you a call. We'll talk through the changes, and we're always here. So anything you need at any point in time, just give me a call or send me an email, and you're always welcome to come into the office or just give me a call, whatever is easiest for you. And, yeah, once you if you do sign it, I will get notified digitally as well, and that tells me that we can then go ahead with the change. So, obviously, take your time. Have a read through it. Otherwise, I'll keep a lookout for my emails. I will let you go and get to your interview. But anything else that you need at any point in time, Tom, don't hesitate to give me a call. No problem at all. And best of luck on the interview. Yes. Exactly. Yeah. Just keep me up to date, and I have my fingers crossed. Okay. We'll speak soon. Okay. 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afternoon, Tom. This is Ranka from Rescue Financial. How are you? Yeah. Yeah.\n\nExactly. Do you have some time for me now? Yeah. Perfect. It shouldn't take too long, honestly.\n\nIt's pretty quick. But before I do go any further, I do need to just let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And even though I can hear that it is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Yep.\n\nPerfect. And how, how's your day been? Been busy? Oh, beautiful. Well, yeah.\n\nWell, I won't keep you for too long if you have to get prepped and ready, but that's really exciting. Let me know, obviously, how everything is going and if you do find a job with the forms and everything. But, yeah, hopefully, that all goes well. Now are you driving at the moment? Yeah.\n\nAre you sure? Because yeah. Because because it is pretty straightforward. So if you are driving, I'm more than happy to just kind of go through the change, which is, like, really just one change, so it is very straightforward. And then when it's safe for you to do so or tonight or whenever you have a bit more time, just have a read through it.\n\nAnd if you have any questions, you can always give me a call. Is would that be okay? Yep. Yes. Yes.\n\nSo exact. Yes. I have just sent it. So it should be in your inbox when we get off the phone. Have a look through your spam as well because sometimes it does end up in your spam folder.\n\nYep. Perfect. Now, Tom, like I said, today is pretty straightforward. So you will have a new SOA. A lot of it is for compliance and stuff we've already gone through.\n\nSo I'll tryna keep it quick for you. As per usual, though, every time we do make a recommendation, we have to follow that best interest duty, which is that we do have to put your best your needs and your best interest above anything else. And then the advice itself has to put you in that better position. Otherwise, we can't actually make the recommendation. So we always have to follow that.\n\nAnd, like I said, today is pretty straightforward. We're not changing anything with your insurance and super. That is all going well. It is just literally changing one of your investments in your personal investment account, and that is that Benelong investment that was underperforming a little bit. So we are not yes.\n\nExactly. So I'm not changing your risk profile or level of risk. We are keeping it the same, that balance growth. We are keeping that. It's going good.\n\nNow I did some research again on the Hub twenty four account because it is always good to do so because things always change. So when I'm doing research, I'll I'll just consider everything for you just because you never know. Things are always changing. But at the moment, Hub twenty four is still very competitive for you. They are competitive with price and features and everything.\n\nSo not making any changes on, like, platform or anything like that. It is literally just swapping one investment. I did consider if we needed to swap other investments, but the others are doing really good, and they are positioned for that long term position. And I also don't wanna trigger any capital gains for you because you do pay for this out of pocket. So I wanted to minimize that, see if I could save a little bit of fees and improve the returns was the main point.\n\nSo when you have a look at the document, you will have another of those kind of fee comparison tables. So kind of showing you, like, the fees and everything like that, which outlines the recommendation. So like I said, I have recommended one switch only. So very straightforward, and that is the Bennelong investment we spoke about last time, and it is swapping it for one that's called your BetaShares Australia two hundred. So because we are changing one Australian investment, I wanted to make sure that we still keep it diversified.\n\nWe we still want some exposure to the Australian market. It is literally just swapping it for something that is going to perform a little bit better for you. So the BetaShares Australia 200, it is a little bit cheaper for you than the Bennelong investment. And on a yearly basis, it's saving you about $26. Not massive, but it still adds up.\n\nSo it's still cheaper. Yep. Now when it exact exactly. And then, obviously, with compounding and years and stuff, it's gonna make a big of a difference. So that is good.\n\nNow when it comes to the actual performance as well so I have used your three and five year comparison to show you. And even more so moving forward in the future, it's going to be a bigger change because more recently, Ben Benelon has underperformed, whereas a couple of years ago and even last year, they were a lot better. So even though when I'm looking at the three entire five year time frame, the the one investment change so the current position we're looking at five years, For example, it's 10.5% return, and the the recommended is 11.61. So making one investment switch, it is improving it by about 1.11%, which might not seem like a lot, but it's still putting you in a better position. It is slightly less volatile as well.\n\nSo the BetaShares Australia 200, it is basically tracking the 200 largest companies listed in Australia. So how this one is a bit different to the Bennelong. In that Bennelong, they are trying to kind of have that active buying and selling to try to outperform the market, which can come at a little bit more of a cost. Now sometimes that is worth it if the performance kind of meets it. So if the performance is really good, having a little bit higher fees for that one investment, it is worth it.\n\nBut if they are not delivering the returns that warrants the fees, there's no point paying, you know, a little bit more fees if the returns aren't any better. So the a 200, it is more it's a little bit more kind of diversified for you. There's more investments in it. And it's a little bit smoother in that as a company grows and gets bigger and gets into the 200 largest, it will get added to the investment. And as something gets smaller, it then kind of comes out.\n\nSo it's a little bit kind of smoother that way. And, yeah, the returns have been better even when I'm looking at a three year time frame. Currently, it's about 13.42. Recommended is 14.52. So, again, a little bit better, but every kind of percentage and every fee saving does make a big difference in the long run.\n\nYeah. Does that make sense, Tom? Yeah. Yeah. Perfect.\n\nAnd that was literally the only change. Everything else is going good, but I wanted to change out that one investment for you to try and position you moving forward a little bit better. Now the good thing as well is that at the time of calculation, which can fluctuate a little bit on the daily, but it shouldn't really, There doesn't seem to be any tax at all when we do make that one investment switch because Bendelon is down a little bit. So it's not gonna trigger you to paying any additional tax by making a change, which is good because I don't want you to have to pay any more tax. Yeah.\n\nYep. So so that's really good. And that is essentially everything. So like I said, pretty straightforward. We're not changing your risk.\n\nI have also, just for your reference, included some information in regards to a will. Just so you have that as well as just some power of attorney information, I do usually include it for everybody. It is good to have a read through and get set up if you ever have the option to do so. And then lastly, just when it comes to the fee structure, no changes like I mentioned last time. It stays exactly the same.\n\nSo no changes in regards to that. So, obviously, from here is if you are happy to go ahead with that one investment change, Tom, when you have a moment, have a read through the document. If you have any questions, you just call me or send me an email, and we can go through anything. But if you are happy with the change, pretty straightforward, then it would just be to sign the document digitally, you can do. It will ask you to add your signature and a a date.\n\nNow sometimes there is a box where it will actually ask you to type anything. That is just there for if you would like to make a change to anything, you can type it there. But if there's no changes, you can just put, like, NA or full stop, and it will let you move forward. Yep. Perfect.\n\nIf you do have any issues or questions, just let me know. But that was basically everything from me today. So like I said, pretty straightforward. Do you have any questions or anything for me otherwise before I let you go and get ready for your interview? Yep.\n\nYes. I may. Yeah. Yeah. Exact no.\n\nYeah. Of course. And I'm always here. That's what we that's the ongoing service. That's why we're always here to do it, but not even during under review.\n\nSo, obviously, we do research all the time. And if we ever see anything that's going to change, we'll give you a call. We'll talk through the changes, and we're always here. So anything you need at any point in time, just give me a call or send me an email, and you're always welcome to come into the office or just give me a call, whatever is easiest for you. And, yeah, once you if you do sign it, I will get notified digitally as well, and that tells me that we can then go ahead with the change.\n\nSo, obviously, take your time. Have a read through it. Otherwise, I'll keep a lookout for my emails. I will let you go and get to your interview. But anything else that you need at any point in time, Tom, don't hesitate to give me a call.\n\nNo problem at all. And best of luck on the interview. Yes. Exactly. Yeah.\n\nJust keep me up to date, and I have my fingers crossed. Okay. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tom.","start":3.36,"end":4.4,"sentiment":"positive","sentiment_score":0.37821735938390094},{"text":"This is Ranka from Rescue Financial.","start":4.4,"end":6.16,"sentiment":"neutral","sentiment_score":0.28812719136476517},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.24434671302636465},{"text":"Yeah.","start":12.08,"end":12.58,"sentiment":"neutral","sentiment_score":0.040335800498723984},{"text":"Yeah.","start":12.96,"end":13.12,"sentiment":"neutral","sentiment_score":0.05323762446641922}],"sentiment":"neutral","sentiment_score":0.2635734850274665,"num_words":14,"start":3.36,"end":13.12},{"sentences":[{"text":"Exactly.","start":13.12,"end":13.62,"sentiment":"neutral","sentiment_score":0.07679741084575653},{"text":"Do you have some time for me now?","start":15.6449995,"end":17.505,"sentiment":"neutral","sentiment_score":0.028723930241540074},{"text":"Yeah.","start":21.725,"end":22.225,"sentiment":"positive","sentiment_score":0.3786596655845642},{"text":"Perfect.","start":22.525,"end":23.005001,"sentiment":"positive","sentiment_score":0.6282138228416443},{"text":"It shouldn't take too long, honestly.","start":23.005001,"end":24.945,"sentiment":"positive","sentiment_score":0.4068407267332077}],"sentiment":"neutral","sentiment_score":0.22085333538844304,"num_words":17,"start":13.12,"end":24.945},{"sentences":[{"text":"It's pretty quick.","start":25.005001,"end":26.145,"sentiment":"positive","sentiment_score":0.3567670186360677},{"text":"But before I do go any further, I do need to just let you know that our calls are being recorded for quality and coaching purposes, if that's 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busy?","start":61.64,"end":62.38,"sentiment":"neutral","sentiment_score":-0.08004222437739372},{"text":"Oh, beautiful.","start":72.295,"end":72.955,"sentiment":"neutral","sentiment_score":0.3286604881286621},{"text":"Well, yeah.","start":73.335,"end":76.31,"sentiment":"neutral","sentiment_score":0.07644479721784592}],"sentiment":"neutral","sentiment_score":0.1261459273787645,"num_words":13,"start":59.08,"end":76.31},{"sentences":[{"text":"Well, I won't keep you for too long if you have to get prepped and ready, but that's really exciting.","start":76.31,"end":80.329994,"sentiment":"neutral","sentiment_score":-0.03986810641363263},{"text":"Let me know, obviously, how everything is going and if you do find a job with the forms and everything.","start":81.35,"end":87.13,"sentiment":"neutral","sentiment_score":0.034670543018728496},{"text":"But, yeah, hopefully, that all goes well.","start":88.065,"end":90.405,"sentiment":"neutral","sentiment_score":0.19083417313439505},{"text":"Now are you driving at the moment?","start":91.425,"end":93.125,"sentiment":"neutral","sentiment_score":-0.00017117349697010883},{"text":"Yeah.","start":95.185,"end":95.685,"sentiment":"neutral","sentiment_score":-0.0038995789363980298}],"sentiment":"neutral","sentiment_score":0.022305275465954434,"num_words":55,"start":76.31,"end":95.685},{"sentences":[{"text":"Are you sure?","start":100.24,"end":100.96,"sentiment":"neutral","sentiment_score":-0.02928904506067435},{"text":"Because yeah.","start":100.96,"end":105.14,"sentiment":"neutral","sentiment_score":-0.03387627936899662},{"text":"Because because it is pretty straightforward.","start":105.76,"end":107.62,"sentiment":"neutral","sentiment_score":0.09793408401310444},{"text":"So if you are driving, I'm more than happy to just kind of go through the change, which is, like, really just one change, so it is very straightforward.","start":107.92,"end":116.365,"sentiment":"positive","sentiment_score":0.7041929898590877},{"text":"And then when it's safe for you to do so or tonight or whenever you have a bit more time, just have a read through it.","start":117.225,"end":124.505005,"sentiment":"neutral","sentiment_score":0.32155146220555675}],"sentiment":"positive","sentiment_score":0.4426351444457065,"num_words":66,"start":100.24,"end":124.505005},{"sentences":[{"text":"And if you have any questions, you can always give me a call.","start":124.505005,"end":127.385,"sentiment":"neutral","sentiment_score":0.19611209057844603},{"text":"Is would that be okay?","start":127.385,"end":129.5,"sentiment":"neutral","sentiment_score":0.10354591012001038},{"text":"Yep.","start":129.64,"end":130.14,"sentiment":"neutral","sentiment_score":0.2872496545314789},{"text":"Yes.","start":135.72,"end":136.04001,"sentiment":"neutral","sentiment_score":0.09022004902362823},{"text":"Yes.","start":136.04001,"end":136.52,"sentiment":"neutral","sentiment_score":0.08972659707069397}],"sentiment":"neutral","sentiment_score":0.16830395374979293,"num_words":21,"start":124.505005,"end":136.52},{"sentences":[{"text":"So exact.","start":136.52,"end":138.3,"sentiment":"neutral","sentiment_score":0.07760604098439217},{"text":"Yes.","start":138.68001,"end":139.18001,"sentiment":"neutral","sentiment_score":0.09302720427513124},{"text":"I have just sent it.","start":139.24,"end":140.78,"sentiment":"neutral","sentiment_score":0.12338625341653824},{"text":"So it should be in your inbox when we get off the phone.","start":141.27501,"end":144.635,"sentiment":"neutral","sentiment_score":0.12487392843915866},{"text":"Have a look through your spam as well because sometimes it does end up in your spam folder.","start":144.635,"end":148.815,"sentiment":"neutral","sentiment_score":-0.1261143661621544}],"sentiment":"neutral","sentiment_score":0.005601872618381794,"num_words":39,"start":136.52,"end":148.815},{"sentences":[{"text":"Yep.","start":150.635,"end":151.135,"sentiment":"neutral","sentiment_score":0.12503966689109802},{"text":"Perfect.","start":151.275,"end":151.775,"sentiment":"positive","sentiment_score":0.5467005968093872},{"text":"Now, Tom, like I said, today is pretty straightforward.","start":152.475,"end":155.19,"sentiment":"positive","sentiment_score":0.5091360608736674},{"text":"So you will have a new SOA.","start":155.19,"end":157.05,"sentiment":"positive","sentiment_score":0.36466515489986967},{"text":"A lot of it is for compliance and stuff we've already gone through.","start":157.75,"end":161.35,"sentiment":"neutral","sentiment_score":0.2951403890664761}],"sentiment":"positive","sentiment_score":0.37559503076537964,"num_words":31,"start":150.635,"end":161.35},{"sentences":[{"text":"So I'll tryna keep it quick for you.","start":161.35,"end":163.61,"sentiment":"positive","sentiment_score":0.4421949237585068},{"text":"As per usual, though, every time we do make a recommendation, we have to follow that best interest duty, which is that we do have to put your best your needs and your best interest above anything else.","start":165.11,"end":177.615,"sentiment":"neutral","sentiment_score":0.19004131049702042},{"text":"And then the advice itself has to put you in that better position.","start":177.995,"end":181.675,"sentiment":"neutral","sentiment_score":0.10443603447996654},{"text":"Otherwise, we can't actually make the recommendation.","start":181.675,"end":183.775,"sentiment":"neutral","sentiment_score":-0.0803358725139073},{"text":"So we always have to follow that.","start":184.5,"end":186.42,"sentiment":"neutral","sentiment_score":0.0633589316691671}],"sentiment":"neutral","sentiment_score":0.1643556034422084,"num_words":73,"start":161.35,"end":186.42},{"sentences":[{"text":"And, like I said, today is pretty straightforward.","start":186.42,"end":189.48,"sentiment":"neutral","sentiment_score":0.3063826821744442},{"text":"We're not changing anything with your insurance and super.","start":189.94,"end":192.74,"sentiment":"neutral","sentiment_score":0.0075780964559978925},{"text":"That is all going well.","start":192.74,"end":194.2,"sentiment":"positive","sentiment_score":0.3490177869796753},{"text":"It is just literally changing one of your investments in your personal investment account, and that is that Benelong investment that was underperforming a little bit.","start":194.5,"end":205.775,"sentiment":"neutral","sentiment_score":0.008590734348847315},{"text":"So we are not yes.","start":205.915,"end":210.015,"sentiment":"neutral","sentiment_score":-0.022164631634950638}],"sentiment":"neutral","sentiment_score":0.08258281500553186,"num_words":53,"start":186.42,"end":210.015},{"sentences":[{"text":"Exactly.","start":210.075,"end":210.575,"sentiment":"neutral","sentiment_score":0.1518450230360031},{"text":"So I'm not changing your risk profile or level of risk.","start":210.955,"end":215.98999,"sentiment":"neutral","sentiment_score":-0.014316506006500938},{"text":"We are keeping it the same, that balance growth.","start":215.98999,"end":218.79,"sentiment":"neutral","sentiment_score":0.2534254474772347},{"text":"We are keeping that.","start":218.79,"end":219.83,"sentiment":"neutral","sentiment_score":0.3301084488630295},{"text":"It's going good.","start":219.83,"end":220.97,"sentiment":"positive","sentiment_score":0.3916921292742093}],"sentiment":"neutral","sentiment_score":0.17038223812622683,"num_words":28,"start":210.075,"end":220.97},{"sentences":[{"text":"Now I did some research again on the Hub twenty four account because it is always good to do so because things always change.","start":222.55,"end":228.15,"sentiment":"neutral","sentiment_score":0.2907730384419362},{"text":"So when I'm doing research, I'll I'll just consider everything for you just because you never know.","start":228.15,"end":233.765,"sentiment":"neutral","sentiment_score":0.1422874975730391},{"text":"Things are always changing.","start":233.765,"end":235.145,"sentiment":"neutral","sentiment_score":0.06703432369977236},{"text":"But at the moment, Hub twenty four is still very competitive for you.","start":236.24501,"end":240.16501,"sentiment":"positive","sentiment_score":0.4318022590417128},{"text":"They are competitive with price and features and everything.","start":240.16501,"end":243.065,"sentiment":"positive","sentiment_score":0.5735795034302605}],"sentiment":"neutral","sentiment_score":0.30509287424719156,"num_words":67,"start":222.55,"end":243.065},{"sentences":[{"text":"So not making any changes on, like, platform or anything like that.","start":243.56,"end":247.79999,"sentiment":"neutral","sentiment_score":0.10404345796753962},{"text":"It is literally just swapping one investment.","start":247.79999,"end":250.45999,"sentiment":"neutral","sentiment_score":0.25380931368895937},{"text":"I did consider if we needed to swap other investments, but the others are doing really good, and they are positioned for that long term position.","start":251.48,"end":259.26,"sentiment":"positive","sentiment_score":0.4426674900146631},{"text":"And I also don't wanna trigger any capital gains for you because you do pay for this out of pocket.","start":259.895,"end":265.255,"sentiment":"neutral","sentiment_score":0.18457046933472157},{"text":"So I wanted to minimize that, see if I could save a little bit of fees and improve the returns was the main point.","start":265.255,"end":272.555,"sentiment":"positive","sentiment_score":0.4055707311878602}],"sentiment":"neutral","sentiment_score":0.314153352438399,"num_words":89,"start":243.56,"end":272.555},{"sentences":[{"text":"So when you have a look at the document, you will have another of those kind of fee comparison tables.","start":273.095,"end":278.75,"sentiment":"neutral","sentiment_score":0.13539850898087025},{"text":"So kind of showing you, like, the fees and everything like that, which outlines the recommendation.","start":278.81,"end":284.27,"sentiment":"neutral","sentiment_score":0.15229777060449123},{"text":"So like I said, I have recommended one switch only.","start":284.65,"end":287.79,"sentiment":"neutral","sentiment_score":0.17626296132802963},{"text":"So very straightforward, and that is the Bennelong investment we spoke about last time, and it is swapping it for one that's called your BetaShares Australia two hundred.","start":288.55502,"end":299.77502,"sentiment":"neutral","sentiment_score":0.21200483930962427},{"text":"So because we are changing one Australian investment, I wanted to make sure that we still keep it diversified.","start":301.0,"end":308.78,"sentiment":"neutral","sentiment_score":0.24435241755686307}],"sentiment":"neutral","sentiment_score":0.18802360813784344,"num_words":93,"start":273.095,"end":308.78},{"sentences":[{"text":"We we still want some exposure to the Australian market.","start":308.84,"end":311.97998,"sentiment":"neutral","sentiment_score":0.263723249733448},{"text":"It is literally just swapping it for something that is going to perform a little bit better for you.","start":312.225,"end":317.36502,"sentiment":"neutral","sentiment_score":0.32946158788706126},{"text":"So the BetaShares Australia 200, it is a little bit cheaper for you than the Bennelong investment.","start":317.505,"end":324.085,"sentiment":"positive","sentiment_score":0.37547552585601807},{"text":"And on a yearly basis, it's saving you about $26.","start":325.02002,"end":329.92,"sentiment":"positive","sentiment_score":0.44332259595394136},{"text":"Not massive, but it still adds up.","start":330.30002,"end":332.56,"sentiment":"positive","sentiment_score":0.4246647868837629}],"sentiment":"positive","sentiment_score":0.36009469959470963,"num_words":63,"start":308.84,"end":332.56},{"sentences":[{"text":"So it's still cheaper.","start":333.02002,"end":334.16,"sentiment":"positive","sentiment_score":0.4178764149546623},{"text":"Yep.","start":335.02002,"end":335.52002,"sentiment":"neutral","sentiment_score":0.25082752108573914},{"text":"Now when it exact exactly.","start":335.82,"end":341.375,"sentiment":"neutral","sentiment_score":0.14964453727006913},{"text":"And then, obviously, with compounding and years and stuff, it's gonna make a big of a difference.","start":341.67502,"end":346.815,"sentiment":"positive","sentiment_score":0.36861002532874837},{"text":"So that is good.","start":348.155,"end":349.355,"sentiment":"positive","sentiment_score":0.6329248249530792}],"sentiment":"positive","sentiment_score":0.3699556644405088,"num_words":31,"start":333.02002,"end":349.355},{"sentences":[{"text":"Now when it comes to the actual performance as well so I have used your three and five year comparison to show you.","start":349.355,"end":357.36,"sentiment":"neutral","sentiment_score":0.16017750958385674},{"text":"And even more so moving forward in the future, it's going to be a bigger change because more recently, Ben Benelon has underperformed, whereas a couple of years ago and even last year, they were a lot better.","start":358.62,"end":370.935,"sentiment":"neutral","sentiment_score":0.12999829885206723},{"text":"So even though when I'm looking at the three entire five year time frame, the the one investment change so the current position we're looking at five years, For example, it's 10.5% return, and the the recommended is 11.61.","start":371.155,"end":393.15,"sentiment":"neutral","sentiment_score":0.08807774556752963},{"text":"So making one investment switch, it is improving it by about 1.11%, which might not seem like a lot, but it's still putting you in a better position.","start":393.69,"end":404.42502,"sentiment":"neutral","sentiment_score":0.3059621136635542},{"text":"It is slightly less volatile as well.","start":404.48502,"end":407.52502,"sentiment":"neutral","sentiment_score":0.25060708820819855}],"sentiment":"neutral","sentiment_score":0.16577954780724313,"num_words":135,"start":349.355,"end":407.52502},{"sentences":[{"text":"So the BetaShares Australia 200, it is basically tracking the 200 largest companies listed in Australia.","start":407.52502,"end":417.00998,"sentiment":"neutral","sentiment_score":0.14992092037573457},{"text":"So how this one is a bit different to the Bennelong.","start":417.94998,"end":420.69,"sentiment":"neutral","sentiment_score":0.10424536161802032},{"text":"In that Bennelong, they are trying to kind of have that active buying and selling to try to outperform the market, which can come at a little bit more of a cost.","start":420.91,"end":429.565,"sentiment":"neutral","sentiment_score":0.08857601298950613},{"text":"Now sometimes that is worth it if the performance kind of meets it.","start":429.565,"end":433.325,"sentiment":"neutral","sentiment_score":0.235431381716178},{"text":"So if the performance is really good, having a little bit higher fees for that one investment, it is worth it.","start":433.325,"end":438.6,"sentiment":"positive","sentiment_score":0.3480927220412663}],"sentiment":"neutral","sentiment_score":0.18011205639409764,"num_words":93,"start":407.52502,"end":438.6},{"sentences":[{"text":"But if they are not delivering the returns that warrants the fees, there's no point paying, you know, a little bit more fees if the returns aren't any better.","start":438.84,"end":447.02002,"sentiment":"neutral","sentiment_score":-0.1198609137329562},{"text":"So the a 200, it is more it's a little bit more kind of diversified for you.","start":447.88,"end":454.38498,"sentiment":"neutral","sentiment_score":0.2719051487305585},{"text":"There's more investments in it.","start":454.38498,"end":456.245,"sentiment":"neutral","sentiment_score":0.28413240909576415},{"text":"And it's a little bit smoother in that as a company grows and gets bigger and gets into the 200 largest, it will get added to the investment.","start":456.785,"end":465.285,"sentiment":"positive","sentiment_score":0.347106789371797},{"text":"And as something gets smaller, it then kind of comes out.","start":465.425,"end":468.405,"sentiment":"neutral","sentiment_score":0.26709932766177436}],"sentiment":"neutral","sentiment_score":0.16915739758147133,"num_words":90,"start":438.84,"end":468.405},{"sentences":[{"text":"So it's a little bit kind of smoother that way.","start":468.68,"end":471.26,"sentiment":"positive","sentiment_score":0.3433742493391037},{"text":"And, yeah, the returns have been better even when I'm looking at a three year time frame.","start":472.44,"end":478.22,"sentiment":"neutral","sentiment_score":0.3240557128892225},{"text":"Currently, it's about 13.42.","start":479.4,"end":482.855,"sentiment":"neutral","sentiment_score":0.1287414636462927},{"text":"Recommended is 14.52.","start":482.995,"end":485.895,"sentiment":"neutral","sentiment_score":0.1483558068672816},{"text":"So, again, a little bit better, but every kind of percentage and every fee saving does make a big difference in the long run.","start":486.115,"end":493.175,"sentiment":"positive","sentiment_score":0.4448728834589322}],"sentiment":"positive","sentiment_score":0.35482193259843464,"num_words":58,"start":468.68,"end":493.175},{"sentences":[{"text":"Yeah.","start":495.09003,"end":495.41,"sentiment":"neutral","sentiment_score":0.11974091827869417},{"text":"Does that make sense, Tom?","start":495.41,"end":496.87003,"sentiment":"neutral","sentiment_score":0.05886845961213112},{"text":"Yeah.","start":498.61002,"end":499.11002,"sentiment":"neutral","sentiment_score":0.11078450828790665},{"text":"Yeah.","start":499.65002,"end":499.97,"sentiment":"positive","sentiment_score":0.42302823066711426},{"text":"Perfect.","start":499.97,"end":500.47,"sentiment":"positive","sentiment_score":0.7084227800369263}],"sentiment":"neutral","sentiment_score":0.18403541503681076,"num_words":9,"start":495.09003,"end":500.47},{"sentences":[{"text":"And that was literally the only change.","start":501.17,"end":503.49002,"sentiment":"positive","sentiment_score":0.5305254970278058},{"text":"Everything else is going good, but I wanted to change out that one investment for you to try and position you moving forward a little bit better.","start":503.49002,"end":512.91504,"sentiment":"positive","sentiment_score":0.5109510841193022},{"text":"Now the good thing as well is that at the time of calculation, which can fluctuate a little bit on the daily, but it shouldn't really, There doesn't seem to be any tax at all when we do make that one investment switch because Bendelon is down a little bit.","start":513.375,"end":531.6,"sentiment":"positive","sentiment_score":0.3654860112071037},{"text":"So it's not gonna trigger you to paying any additional tax by making a change, which is good because I don't want you to have to pay any more tax.","start":531.81995,"end":539.04,"sentiment":"neutral","sentiment_score":0.31166459545493125},{"text":"Yeah.","start":541.185,"end":541.685,"sentiment":"neutral","sentiment_score":0.2676798105239868}],"sentiment":"positive","sentiment_score":0.3947937042168949,"num_words":115,"start":501.17,"end":541.685},{"sentences":[{"text":"Yep.","start":542.305,"end":542.805,"sentiment":"neutral","sentiment_score":0.26271146535873413},{"text":"So so that's really good.","start":543.025,"end":544.305,"sentiment":"positive","sentiment_score":0.5813865602016449},{"text":"And that is essentially everything.","start":544.305,"end":546.805,"sentiment":"positive","sentiment_score":0.43259493708610536},{"text":"So like I said, pretty straightforward.","start":547.185,"end":548.965,"sentiment":"positive","sentiment_score":0.3576137224833171},{"text":"We're not changing your risk.","start":549.425,"end":551.34,"sentiment":"neutral","sentiment_score":0.05904398038983345}],"sentiment":"positive","sentiment_score":0.35334187221120705,"num_words":22,"start":542.305,"end":551.34},{"sentences":[{"text":"I have also, just for your reference, included some information in regards to a will.","start":551.42004,"end":556.96,"sentiment":"neutral","sentiment_score":0.17246830662091572},{"text":"Just so you have that as well as just some power of attorney information, I do usually include it for everybody.","start":557.66003,"end":563.92004,"sentiment":"neutral","sentiment_score":0.27081156486556646},{"text":"It is good to have a read through and get set up if you ever have the option to do so.","start":564.7,"end":571.125,"sentiment":"neutral","sentiment_score":0.32353125299726215},{"text":"And then lastly, just when it comes to the fee structure, no changes like I mentioned last time.","start":572.225,"end":577.105,"sentiment":"neutral","sentiment_score":0.20007186714145872},{"text":"It stays exactly the same.","start":577.105,"end":578.805,"sentiment":"neutral","sentiment_score":0.3128266274929047}],"sentiment":"neutral","sentiment_score":0.25292063150554894,"num_words":80,"start":551.42004,"end":578.805},{"sentences":[{"text":"So no changes in regards to that.","start":579.505,"end":581.26495,"sentiment":"neutral","sentiment_score":0.15315124179635728},{"text":"So, obviously, from here is if you are happy to go ahead with that one investment change, Tom, when you have a moment, have a read through the document.","start":581.26495,"end":589.64,"sentiment":"neutral","sentiment_score":0.30550525928365774},{"text":"If you have any questions, you just call me or send me an email, and we can go through anything.","start":589.64,"end":594.62,"sentiment":"neutral","sentiment_score":0.1843258522450924},{"text":"But if you are happy with the change, pretty straightforward, then it would just be to sign the document digitally, you can do.","start":595.285,"end":602.985,"sentiment":"positive","sentiment_score":0.3672784333643706},{"text":"It will ask you to add your signature and a a date.","start":604.085,"end":607.865,"sentiment":"neutral","sentiment_score":0.16914146021008492}],"sentiment":"neutral","sentiment_score":0.26478384336927435,"num_words":91,"start":579.505,"end":607.865},{"sentences":[{"text":"Now sometimes there is a box where it will actually ask you to type anything.","start":607.925,"end":613.93,"sentiment":"neutral","sentiment_score":0.10084123114744822},{"text":"That is just there for if you would like to make a change to anything, you can type it there.","start":614.55,"end":619.77,"sentiment":"neutral","sentiment_score":0.18088208921253682},{"text":"But if there's no changes, you can just put, like, NA or full stop, and it will let you move 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your interview?","start":639.38995,"end":645.32996,"sentiment":"neutral","sentiment_score":0.12143206702811378},{"text":"Yep.","start":651.245,"end":651.745,"sentiment":"neutral","sentiment_score":0.14240765571594238}],"sentiment":"neutral","sentiment_score":0.2073971596546471,"num_words":48,"start":628.96497,"end":651.745},{"sentences":[{"text":"Yes.","start":654.525,"end":655.025,"sentiment":"neutral","sentiment_score":0.11130399256944656},{"text":"I may.","start":655.245,"end":655.825,"sentiment":"neutral","sentiment_score":0.10750767961144447},{"text":"Yeah.","start":658.445,"end":658.945,"sentiment":"neutral","sentiment_score":0.1714106947183609},{"text":"Yeah.","start":660.605,"end":661.105,"sentiment":"positive","sentiment_score":0.427348792552948},{"text":"Exact 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obviously, we do research all the time.","start":674.01996,"end":675.86,"sentiment":"neutral","sentiment_score":0.10720035713165998},{"text":"And if we ever see anything that's going to change, we'll give you a call.","start":675.86,"end":679.305,"sentiment":"neutral","sentiment_score":0.11248227233688037},{"text":"We'll talk through the changes, and we're always here.","start":679.305,"end":682.505,"sentiment":"neutral","sentiment_score":0.20209401680363548},{"text":"So anything you need at any point in time, just give me a call or send me an email, and you're always welcome to come into the office or just give me a call, whatever is easiest for you.","start":682.505,"end":690.81,"sentiment":"neutral","sentiment_score":0.2649542498282897},{"text":"And, yeah, once you if you do sign it, I will get notified digitally as well, and that tells me that we can then go ahead with the change.","start":692.89,"end":700.33,"sentiment":"neutral","sentiment_score":0.2895635551419751}],"sentiment":"neutral","sentiment_score":0.23094241935759782,"num_words":100,"start":674.01996,"end":700.33},{"sentences":[{"text":"So, obviously, take your time.","start":700.33,"end":701.61,"sentiment":"neutral","sentiment_score":0.24050045609474183},{"text":"Have a read through it.","start":701.61,"end":702.49,"sentiment":"neutral","sentiment_score":0.20749759972095488},{"text":"Otherwise, I'll keep a lookout for my emails.","start":702.49,"end":704.91,"sentiment":"neutral","sentiment_score":0.18933921307325363},{"text":"I will let you go and get to your interview.","start":705.635,"end":708.195,"sentiment":"neutral","sentiment_score":0.22794200330972672},{"text":"But anything else that you need at any point in time, Tom, don't hesitate to give me a 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Tom speaking. Hi. Hi, Brian. Hi. Yeah. Good. Good. Thanks. I was expecting the call. Yeah? 02:30? Yeah. Yeah. I do have yeah. Yeah. Yeah. I'm free now. Yeah. It's all good. Yep. Yeah. That's totally fine. Yeah. Sorry. Yes. S o n g h a n. Date of birth, 07/23/1993. Home address, 1002 Slash 2 Upper Street, Dallas Fort. Yeah. It's been busy. I am actually, I do have a couple interview, and I got another phone interview at three 3PM. So been looking for one. You know? Yeah. Yeah. Yeah. Yep. Yeah. I'm driving. I thought I will try to park on the side of the road if I can, but it's not a. Yeah. I can still listen to you and and speak to you. No worries. Yep. Yep. Yeah. Yeah. That would be totally fine. Yeah. As long as there's a there there's an email, right, after the call as well. I expect it. Right? So I can read it through with the change. Yep. Yep. Sure. Of course. Yep. Yep. Yep. The last time that you called me about. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Do you make sense? Yes. That makes sense. Yes. Yep. Okay. Yeah. Wow. K. Better. Yeah. Yeah. Yep. Okay. Yeah. Yeah. Sure. Yep. Yeah. Yeah. I think yeah. Yeah. That's pretty pretty straightforward if I sound a bit. And once I get a chance, I'll I'll I'll send that document and then give authorization to to do whatever change it it is. But yeah. Save some tax. Save some money. We'll be all be good. And and thanks thanks for the effort thanks for the effort for, yeah, treating the better bill for me. Yep. Yep. Yep. Alright. Thank you. Thank you for holding up. Appreciate it. Thanks. Appreciate it. Hopefully, I got by soon, then let you guys know if I update whatever the card of Yep. Yeah. Sure. Awesome. Thanks, Brian. See you. 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driving.","start":94.43,"end":94.869995,"sentiment":"neutral","sentiment_score":-0.0030436129309237003}],"sentiment":"neutral","sentiment_score":0.033736419631168246,"num_words":6,"start":81.895004,"end":94.869995},{"sentences":[{"text":"I thought I will try to park on the side of the road if I can, but it's not a.","start":94.869995,"end":101.81,"sentiment":"neutral","sentiment_score":-0.01401936449110508},{"text":"Yeah.","start":101.950005,"end":102.07001,"sentiment":"neutral","sentiment_score":0.01330675557255745},{"text":"I can still listen to you and and speak to you.","start":102.07001,"end":104.115005,"sentiment":"neutral","sentiment_score":0.05587546628984538},{"text":"No worries.","start":104.115005,"end":105.495,"sentiment":"neutral","sentiment_score":0.017245173454284668},{"text":"Yep.","start":117.71,"end":118.21,"sentiment":"positive","sentiment_score":0.3656102120876312}],"sentiment":"neutral","sentiment_score":0.02136143296957016,"num_words":35,"start":94.869995,"end":118.21},{"sentences":[{"text":"Yep.","start":123.63,"end":124.13,"sentiment":"neutral","sentiment_score":0.26187580823898315},{"text":"Yeah.","start":128.74501,"end":129.24501,"sentiment":"neutral","sentiment_score":0.10505080223083496},{"text":"Yeah.","start":129.545,"end":129.865,"sentiment":"neutral","sentiment_score":0.17561247944831848},{"text":"That would be totally fine.","start":129.865,"end":130.82501,"sentiment":"positive","sentiment_score":0.4941660463809967},{"text":"Yeah.","start":130.82501,"end":131.065,"sentiment":"neutral","sentiment_score":0.21032387018203735}],"sentiment":"positive","sentiment_score":0.3581881324450175,"num_words":9,"start":123.63,"end":131.065},{"sentences":[{"text":"As long as there's a there there's an email, right, after the call as well.","start":131.065,"end":134.74501,"sentiment":"neutral","sentiment_score":0.10240225394566854},{"text":"I expect it.","start":134.74501,"end":135.46501,"sentiment":"neutral","sentiment_score":0.09931193540493648},{"text":"Right?","start":135.46501,"end":135.865,"sentiment":"neutral","sentiment_score":0.07121158391237259},{"text":"So I can read it through with the change.","start":135.865,"end":138.125,"sentiment":"neutral","sentiment_score":0.0938439087735282},{"text":"Yep.","start":140.265,"end":140.765,"sentiment":"neutral","sentiment_score":0.1425003707408905}],"sentiment":"neutral","sentiment_score":0.09973368100051222,"num_words":29,"start":131.065,"end":140.765},{"sentences":[{"text":"Yep.","start":149.75,"end":150.15001,"sentiment":"neutral","sentiment_score":0.06022556871175766},{"text":"Sure.","start":150.15001,"end":150.65001,"sentiment":"neutral","sentiment_score":0.11919064074754716},{"text":"Of 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about.","start":207.08,"end":208.76001,"sentiment":"neutral","sentiment_score":-0.07904585776850581},{"text":"Yep.","start":208.76001,"end":209.26001,"sentiment":"neutral","sentiment_score":0.07858991622924805},{"text":"Yep.","start":244.29001,"end":244.79001,"sentiment":"neutral","sentiment_score":0.1277220994234085},{"text":"Yep.","start":273.96,"end":274.46,"sentiment":"neutral","sentiment_score":0.19353103637695312}],"sentiment":"neutral","sentiment_score":-0.020330055228744943,"num_words":12,"start":201.24,"end":274.46},{"sentences":[{"text":"Yep.","start":320.39,"end":320.89,"sentiment":"positive","sentiment_score":0.35961073637008667},{"text":"Yeah.","start":348.06,"end":348.56,"sentiment":"positive","sentiment_score":0.4742105305194855},{"text":"Yeah.","start":400.275,"end":400.775,"sentiment":"neutral","sentiment_score":0.2149716913700104},{"text":"Yep.","start":428.26498,"end":428.76498,"sentiment":"neutral","sentiment_score":0.013163518160581589},{"text":"Yep.","start":494.28,"end":494.78,"sentiment":"neutral","sentiment_score":0.20440641045570376}],"sentiment":"neutral","sentiment_score":0.25327257737517356,"num_words":5,"start":320.39,"end":494.78},{"sentences":[{"text":"Yep.","start":496.03998,"end":496.53998,"sentiment":"neutral","sentiment_score":0.055662594735622406},{"text":"Do you make sense?","start":497.24,"end":498.03998,"sentiment":"neutral","sentiment_score":0.023307044990360737},{"text":"Yes.","start":498.03998,"end":498.28,"sentiment":"neutral","sentiment_score":0.08997128903865814},{"text":"That makes 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think yeah.","start":647.08997,"end":647.73,"sentiment":"neutral","sentiment_score":0.19664115210374197},{"text":"Yeah.","start":647.73,"end":647.97,"sentiment":"neutral","sentiment_score":0.2698049545288086},{"text":"That's pretty pretty straightforward if I sound a bit.","start":647.97,"end":650.69,"sentiment":"positive","sentiment_score":0.39276514450709027},{"text":"And once I get a chance, I'll I'll I'll send that document and then give authorization to to do whatever change it it is.","start":650.69,"end":657.97,"sentiment":"neutral","sentiment_score":0.11995981447398663}],"sentiment":"neutral","sentiment_score":0.19511956447049192,"num_words":38,"start":646.76996,"end":657.97},{"sentences":[{"text":"But yeah.","start":657.97,"end":658.61,"sentiment":"neutral","sentiment_score":0.12712100893259048},{"text":"Save some tax.","start":658.61,"end":659.41,"sentiment":"neutral","sentiment_score":0.23231019576390585},{"text":"Save some money.","start":659.41,"end":660.31,"sentiment":"neutral","sentiment_score":0.28111758828163147},{"text":"We'll be all be good.","start":660.37,"end":661.41,"sentiment":"positive","sentiment_score":0.4897502601146698},{"text":"And and thanks thanks for the effort thanks for the effort for, yeah, treating the better bill for me.","start":661.41,"end":667.205,"sentiment":"positive","sentiment_score":0.5138643791801051}],"sentiment":"positive","sentiment_score":0.4377093710936606,"num_words":32,"start":657.97,"end":667.205},{"sentences":[{"text":"Yep.","start":677.27,"end":677.77,"sentiment":"neutral","sentiment_score":0.07790413498878479},{"text":"Yep.","start":699.125,"end":699.625,"sentiment":"neutral","sentiment_score":0.2512679994106293},{"text":"Yep.","start":706.28,"end":706.78,"sentiment":"neutral","sentiment_score":0.20858705043792725},{"text":"Alright.","start":712.995,"end":713.495,"sentiment":"neutral","sentiment_score":0.23065076768398285},{"text":"Thank you.","start":714.515,"end":714.995,"sentiment":"positive","sentiment_score":0.3997664302587509}],"sentiment":"neutral","sentiment_score":0.26132380217313766,"num_words":6,"start":677.27,"end":714.995},{"sentences":[{"text":"Thank you for holding up.","start":714.995,"end":716.115,"sentiment":"positive","sentiment_score":0.5209090828895568},{"text":"Appreciate it.","start":716.115,"end":719.095,"sentiment":"positive","sentiment_score":0.37385404109954834},{"text":"Thanks.","start":719.875,"end":720.375,"sentiment":"positive","sentiment_score":0.796262800693512},{"text":"Appreciate it.","start":720.515,"end":721.475,"sentiment":"positive","sentiment_score":0.8014734089374542},{"text":"Hopefully, I got by soon, then let you guys know if I update whatever the card of Yep.","start":721.475,"end":728.69,"sentiment":"neutral","sentiment_score":0.23499986198213366}],"sentiment":"positive","sentiment_score":0.3564807368176324,"num_words":28,"start":714.995,"end":728.69},{"sentences":[{"text":"Yeah.","start":730.35004,"end":730.67004,"sentiment":"neutral","sentiment_score":0.21751028299331665},{"text":"Sure.","start":730.67004,"end":731.07,"sentiment":"positive","sentiment_score":0.3932930827140808},{"text":"Awesome.","start":731.07,"end":731.57,"sentiment":"positive","sentiment_score":0.7687581777572632},{"text":"Thanks, Brian.","start":731.63,"end":732.53,"sentiment":"positive","sentiment_score":0.593895435333252},{"text":"See you.","start":733.23004,"end":733.89,"sentiment":"positive","sentiment_score":0.4050186574459076}],"sentiment":"positive","sentiment_score":0.4824842470032828,"num_words":7,"start":730.35004,"end":733.89},{"sentences":[{"text":"Bye.","start":734.59,"end":735.09,"sentiment":"neutral","sentiment_score":-0.12587907910346985}],"sentiment":"neutral","sentiment_score":-0.12587907910346985,"num_words":1,"start":734.59,"end":735.09}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Tom\n\nChannel 0: Good afternoon, Tom. This is Ranka from Rescue Financial. How are you?\n\nChannel 1: speaking. Hi. Hi, Brian. Hi. Yeah.\n\nGood. Good. Thanks. I was expecting the call. Yeah?\n\n02:30?\n\nChannel 0: Yeah. Yeah. Exactly. Do you have some time for me now?\n\nChannel 1: Yeah. Yeah. I do have yeah. Yeah. Yeah.\n\nI'm free now. Yeah. It's all\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Perfect. It shouldn't take too long, honestly. It's pretty quick. But\n\nChannel 1: Yep.\n\nChannel 0: before I do go any further, I do need to just let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's totally fine. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Sorry.\n\nChannel 0: And even though I can hear that it is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yes. S o n g h a n. Date of birth, 07/23/1993. Home address, 1002 Slash 2 Upper Street, Dallas Fort.\n\nChannel 0: Yep. Perfect. And how, how's your day been? Been busy?\n\nChannel 1: Yeah. It's been busy. I am actually, I do have a couple interview, and I got another phone interview at three 3PM. So\n\nChannel 0: Oh, beautiful.\n\nChannel 1: been looking\n\nChannel 0: Well,\n\nChannel 1: for\n\nChannel 0: yeah.\n\nChannel 1: one.\n\nChannel 0: Well, I won't keep you for too\n\nChannel 1: You\n\nChannel 0: long if you have to get prepped and ready,\n\nChannel 1: know?\n\nChannel 0: but that's really exciting.\n\nChannel 1: Yeah.\n\nChannel 0: Let me know,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, how everything is going and if you do find a job with the forms and everything. But, yeah, hopefully,\n\nChannel 1: Yeah.\n\nChannel 0: that all goes well. Now are\n\nChannel 1: Yep.\n\nChannel 0: you driving at the moment?\n\nChannel 1: Yeah. I'm driving. I thought\n\nChannel 0: Yeah.\n\nChannel 1: I will try to park on the side of the road if I can,\n\nChannel 0: Are you\n\nChannel 1: but\n\nChannel 0: sure?\n\nChannel 1: it's\n\nChannel 0: Because\n\nChannel 1: not a. Yeah. I can still listen to you and and speak to you. No\n\nChannel 0: yeah.\n\nChannel 1: worries.\n\nChannel 0: Because because it is pretty straightforward. So if you are driving, I'm more than happy to just kind of go through the change, which is, like, really just one change, so it is very straightforward. And then\n\nChannel 1: Yep.\n\nChannel 0: when it's safe for you to do so or tonight or whenever you have a bit more time, just have a\n\nChannel 1: Yep.\n\nChannel 0: read through it. And if you have any questions, you can always give me a call. Is would that be\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That would be totally fine. Yeah. As long as there's a there there's an email, right, after the call as well. I expect it. Right?\n\nChannel 0: Yes.\n\nChannel 1: So I\n\nChannel 0: Yes.\n\nChannel 1: can read it\n\nChannel 0: So\n\nChannel 1: through with the change.\n\nChannel 0: exact. Yes. I have just sent\n\nChannel 1: Yep.\n\nChannel 0: it. So it should be in your inbox when we get off the phone. Have a look through your spam as well because sometimes it does end up in your spam folder.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Yep.\n\nChannel 1: Of course.\n\nChannel 0: Perfect. Now, Tom, like I said, today is pretty straightforward. So you will have a new SOA. A lot of it is for compliance and stuff we've already gone through. So I'll tryna keep it quick for you.\n\nAs per usual, though, every time we do make a recommendation, we have to follow that best interest duty, which is that we do have to put your best your needs and your best interest above anything else. And then the advice\n\nChannel 1: Yep.\n\nChannel 0: itself has to put you in that better position. Otherwise, we can't actually make the recommendation. So we always have to\n\nChannel 1: Yep.\n\nChannel 0: follow that. And, like I said, today is pretty straightforward. We're not changing anything with your insurance and super. That is all going well. It is just literally changing one of your investments in your personal investment account, and that is\n\nChannel 1: Yep.\n\nChannel 0: that Benelong investment that was underperforming a little bit. So we are\n\nChannel 1: The\n\nChannel 0: not\n\nChannel 1: last time that you called me about. Yep.\n\nChannel 0: yes. Exactly. So I'm not changing your risk profile or level of risk. We are keeping it the same, that balance growth. We are keeping that.\n\nIt's going good. Now I did some research again on the Hub twenty four account because it is always good to do so because things always change. So when I'm doing research, I'll I'll just consider everything for you just because you never know. Things are always changing. But at the moment, Hub twenty four is still very competitive for you.\n\nThey are competitive with price and features and everything. So not\n\nChannel 1: Yep.\n\nChannel 0: making any changes on, like, platform or anything like that. It is literally just swapping one investment. I did consider if we needed to swap other investments, but the others are doing really good, and they are positioned for that long term position. And I also don't wanna trigger any capital gains for you because you do pay for this out of pocket. So I wanted to minimize that, see if I could save a little bit of fees and improve the returns was the main point.\n\nSo when\n\nChannel 1: Yep.\n\nChannel 0: you have a look at the document, you will have another of those kind of fee comparison tables. So kind of showing you, like, the fees and everything like that, which outlines the recommendation. So like I said, I have recommended one switch only. So very straightforward, and that is the Bennelong investment we spoke about last time, and it is swapping it for one that's called your BetaShares Australia two hundred. So because we are changing one Australian investment, I wanted to make sure that we still keep it diversified.\n\nWe we still want some exposure to the Australian market. It is literally just swapping it for something that is going to perform a little bit better for you. So the BetaShares Australia\n\nChannel 1: Yep.\n\nChannel 0: 200, it is a little bit cheaper for you than the Bennelong investment. And on a yearly basis, it's saving you about $26. Not massive, but it still adds up. So it's still cheaper. Yep.\n\nNow when it exact exactly. And then, obviously, with compounding and years and stuff, it's gonna make a big of a difference.\n\nChannel 1: Yeah.\n\nChannel 0: So that is good. Now when it comes to the actual performance as well so I have used your three and five year comparison to show you. And even more so moving forward in the future, it's going to be a bigger change because more recently, Ben Benelon has underperformed, whereas a couple of years ago and even last year, they were a lot better. So even though when I'm looking at the three entire five year time frame, the the one investment change so the current position we're looking at five years, For example, it's 10.5% return, and the the recommended is 11.61. So making one investment switch, it is improving it by about 1.11%, which\n\nChannel 1: Yeah.\n\nChannel 0: might not seem like a lot, but it's still putting you in a better position. It is slightly less volatile as well. So the BetaShares Australia 200, it is basically tracking the 200 largest companies listed in Australia. So how this one is a bit different to the Bennelong. In that Bennelong, they are trying to kind of have that active buying and selling to try to outperform the market, which can come at a\n\nChannel 1: Yep.\n\nChannel 0: little bit more of a cost. Now sometimes that is worth it if the performance kind of meets it. So if the performance is really good, having a little bit higher fees for that one investment, it is worth it. But if they are not delivering the returns that warrants the fees, there's no point paying, you know, a little bit more fees if the returns aren't any better. So the a 200, it is more it's a little bit more kind of diversified for you.\n\nThere's more investments in it. And it's a little bit smoother in that as a company grows and gets bigger and gets into the 200 largest, it will get added to the investment. And as something gets smaller, it then kind of comes out. So it's a little bit kind of smoother that way. And, yeah, the returns have been better even when I'm looking at a three year time frame.\n\nCurrently, it's about 13.42. Recommended is 14.52. So, again, a little bit better, but every kind of percentage and every fee saving does make a big difference in the long run.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Does that make sense,\n\nChannel 1: Yep.\n\nChannel 0: Tom?\n\nChannel 1: Do you make sense? Yes. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense. Yes.\n\nChannel 0: Yeah. Perfect. And that was literally the only change. Everything else is going good, but I wanted to change out that one investment for you to try and position you moving forward a little bit better. Now the good thing as well is that at the time of calculation, which can fluctuate a little bit on the daily, but it shouldn't really, There doesn't seem to be any tax at all when we do make that one investment switch because Bendelon is down a little bit.\n\nSo it's not gonna trigger\n\nChannel 1: Yep.\n\nChannel 0: you to paying any additional tax by making a change, which is good because I don't want you to have to pay any more tax.\n\nChannel 1: Okay. Yeah. Wow. K.\n\nChannel 0: Yeah.\n\nChannel 1: Better.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So so that's really good. And that is essentially everything. So like I said, pretty straightforward. We're not changing\n\nChannel 1: Yeah.\n\nChannel 0: your risk. I have also, just for your reference, included some information in regards to a will. Just so you have that as well as just some power of attorney information, I do usually include it for everybody. It is good to have a read through and get set up if you ever have the option to do so. And then lastly, just when it comes to the fee structure, no changes like I mentioned last time.\n\nIt stays exactly the same. So no changes in regards to that. So, obviously, from here is if you are happy to go ahead with that one investment change, Tom, when you have a moment, have a read through the document. If you have any questions, you just call me or send me an email, and we can go through anything. But if you are happy with the change, pretty straightforward, then it would just be to sign the document digitally, you can do.\n\nIt\n\nChannel 1: Yep.\n\nChannel 0: will ask you to add your signature and a a date. Now sometimes there is a box where it will actually ask you to type anything. That is just there for if you would like to make a change to anything, you can type it there. But if there's no changes, you can just put, like, NA or full stop, and it will let you move forward.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Sure.\n\nChannel 0: If you do have any issues or questions, just let me know. But that was basically everything from me today.\n\nChannel 1: Yep.\n\nChannel 0: So like I said, pretty straightforward. Do you have any questions or anything for me otherwise before I let you go and get ready for your interview?\n\nChannel 1: Yeah. Yeah. I think yeah. Yeah. That's pretty pretty straightforward if I sound a bit.\n\nAnd once\n\nChannel 0: Yep.\n\nChannel 1: I get a chance, I'll I'll I'll send that document and\n\nChannel 0: Yes.\n\nChannel 1: then give authorization\n\nChannel 0: I may.\n\nChannel 1: to to do whatever change it it is. But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Save some tax. Save some money. We'll\n\nChannel 0: Yeah.\n\nChannel 1: be all be good. And and thanks thanks for the effort thanks for the\n\nChannel 0: Exact\n\nChannel 1: effort for, yeah,\n\nChannel 0: no.\n\nChannel 1: treating the better bill for me.\n\nChannel 0: Yeah. Of course. And I'm always here. That's what we that's the ongoing service. That's why we're always here to do it, but not even during under review.\n\nSo, obviously, we do research all the time. And if we ever see anything\n\nChannel 1: Yep.\n\nChannel 0: that's going to change, we'll give you a call. We'll talk through the changes, and we're always here. So anything you need at any point in time, just give me a call or send me an email, and you're always welcome to come into the office or just give me a call, whatever is easiest for you. And, yeah, once you if you do sign it, I will get notified digitally as well, and that tells me that we can\n\nChannel 1: Yep.\n\nChannel 0: then go ahead with the change. So, obviously, take your time. Have a read through it. 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Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.76,"end":2.0,"sentiment":"neutral","sentiment_score":0.1157648339867592},{"text":"Tom","start":2.0,"end":2.5,"sentiment":"neutral","sentiment_score":0.1089598387479782}],"sentiment":"neutral","sentiment_score":0.1123623363673687,"channel":1,"num_words":2,"start":1.76,"end":2.5},{"sentences":[{"text":"Good afternoon, Tom.","start":3.36,"end":4.4,"sentiment":"positive","sentiment_score":0.37821735938390094},{"text":"This is Ranka from Rescue Financial.","start":4.4,"end":6.16,"sentiment":"neutral","sentiment_score":0.28812719136476517},{"text":"How are 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would be totally fine.","start":129.865,"end":130.82501,"sentiment":"positive","sentiment_score":0.4941660463809967},{"text":"Yeah.","start":130.82501,"end":131.065,"sentiment":"neutral","sentiment_score":0.21032387018203735},{"text":"As long as there's a there there's an email, right, after the call as well.","start":131.065,"end":134.74501,"sentiment":"neutral","sentiment_score":0.10240225394566854},{"text":"I expect it.","start":134.74501,"end":135.46501,"sentiment":"neutral","sentiment_score":0.09931193540493648},{"text":"Right?","start":135.46501,"end":135.865,"sentiment":"neutral","sentiment_score":0.07121158391237259}],"sentiment":"neutral","sentiment_score":0.18345341205596924,"channel":1,"num_words":25,"start":129.865,"end":135.865},{"sentences":[{"text":"Yes.","start":135.72,"end":136.04001,"sentiment":"neutral","sentiment_score":0.09022004902362823}],"sentiment":"neutral","sentiment_score":0.09022004902362823,"channel":0,"num_words":1,"start":135.72,"end":136.04001},{"sentences":[{"text":"So 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call.","start":708.195,"end":713.095,"sentiment":"neutral","sentiment_score":0.1453657624752898}],"sentiment":"neutral","sentiment_score":0.16769447951362684,"channel":0,"num_words":26,"start":706.595,"end":713.095},{"sentences":[{"text":"Alright.","start":712.995,"end":713.495,"sentiment":"neutral","sentiment_score":0.23065076768398285},{"text":"Thank you.","start":714.515,"end":714.995,"sentiment":"positive","sentiment_score":0.3997664302587509},{"text":"Thank you for holding up.","start":714.995,"end":716.115,"sentiment":"positive","sentiment_score":0.5209090828895568},{"text":"Appreciate","start":716.115,"end":716.615,"sentiment":"positive","sentiment_score":0.41255247592926025}],"sentiment":"positive","sentiment_score":0.44969794650872547,"channel":1,"num_words":9,"start":712.995,"end":716.615},{"sentences":[{"text":"No problem at all.","start":716.435,"end":717.235,"sentiment":"neutral","sentiment_score":0.2865785285830498},{"text":"And best of luck on the interview.","start":717.235,"end":718.855,"sentiment":"positive","sentiment_score":0.5853051968983242}],"sentiment":"positive","sentiment_score":0.47667731751095166,"channel":0,"num_words":11,"start":716.435,"end":718.855},{"sentences":[{"text":"it.","start":718.595,"end":719.095,"sentiment":"positive","sentiment_score":0.3351556062698364},{"text":"Thanks.","start":719.875,"end":720.375,"sentiment":"positive","sentiment_score":0.796262800693512},{"text":"Appreciate it.","start":720.515,"end":721.475,"sentiment":"positive","sentiment_score":0.8014734089374542},{"text":"Hopefully, I got by soon, then let you guys know if I update whatever the","start":721.475,"end":725.235,"sentiment":"neutral","sentiment_score":0.2531477292378744}],"sentiment":"positive","sentiment_score":0.34376742965296697,"channel":1,"num_words":19,"start":718.595,"end":725.235},{"sentences":[{"text":"Yes.","start":725.19,"end":725.69,"sentiment":"neutral","sentiment_score":0.09411966800689696}],"sentiment":"neutral","sentiment_score":0.09411966800689696,"channel":0,"num_words":1,"start":725.19,"end":725.69},{"sentences":[{"text":"card of","start":725.235,"end":725.975,"sentiment":"neutral","sentiment_score":0.1275079995393753}],"sentiment":"neutral","sentiment_score":0.1275079995393753,"channel":1,"num_words":2,"start":725.235,"end":725.975},{"sentences":[{"text":"Exactly.","start":726.57495,"end":727.05493,"sentiment":"neutral","sentiment_score":0.1713060736656189},{"text":"Yeah.","start":727.05493,"end":727.37494,"sentiment":"neutral","sentiment_score":0.17067202925682068},{"text":"Just keep me up to date,","start":727.37494,"end":728.415,"sentiment":"neutral","sentiment_score":0.22117209931214651}],"sentiment":"neutral","sentiment_score":0.20862633734941483,"channel":0,"num_words":8,"start":726.57495,"end":728.415},{"sentences":[{"text":"Yep.","start":728.19,"end":728.69,"sentiment":"neutral","sentiment_score":0.17776557803153992}],"sentiment":"neutral","sentiment_score":0.17776557803153992,"channel":1,"num_words":1,"start":728.19,"end":728.69},{"sentences":[{"text":"and I have my fingers crossed.","start":728.415,"end":729.87494,"sentiment":"positive","sentiment_score":0.3504732474684715}],"sentiment":"positive","sentiment_score":0.3504732474684715,"channel":0,"num_words":6,"start":728.415,"end":729.87494},{"sentences":[{"text":"Yeah.","start":730.35004,"end":730.67004,"sentiment":"neutral","sentiment_score":0.21751028299331665},{"text":"Sure.","start":730.67004,"end":731.07,"sentiment":"positive","sentiment_score":0.3932930827140808},{"text":"Awesome.","start":731.07,"end":731.57,"sentiment":"positive","sentiment_score":0.7687581777572632},{"text":"Thanks,","start":731.63,"end":732.03,"sentiment":"positive","sentiment_score":0.6716732978820801}],"sentiment":"positive","sentiment_score":0.5128087103366852,"channel":1,"num_words":4,"start":730.35004,"end":732.03},{"sentences":[{"text":"Okay.","start":731.77496,"end":732.095,"sentiment":"positive","sentiment_score":0.648313581943512}],"sentiment":"positive","sentiment_score":0.648313581943512,"channel":0,"num_words":1,"start":731.77496,"end":732.095},{"sentences":[{"text":"Brian.","start":732.03,"end":732.53,"sentiment":"positive","sentiment_score":0.5161175727844238}],"sentiment":"positive","sentiment_score":0.5161175727844238,"channel":1,"num_words":1,"start":732.03,"end":732.53},{"sentences":[{"text":"We'll speak soon.","start":732.095,"end":733.15497,"sentiment":"positive","sentiment_score":0.34363412857055664}],"sentiment":"positive","sentiment_score":0.34363412857055664,"channel":0,"num_words":3,"start":732.095,"end":733.15497},{"sentences":[{"text":"See you.","start":733.23004,"end":733.89,"sentiment":"positive","sentiment_score":0.4050186574459076}],"sentiment":"positive","sentiment_score":0.4050186574459076,"channel":1,"num_words":2,"start":733.23004,"end":733.89},{"sentences":[{"text":"Okay.","start":733.535,"end":734.035,"sentiment":"neutral","sentiment_score":0.1831548511981964},{"text":"Bye.","start":734.49493,"end":734.99493,"sentiment":"neutral","sentiment_score":0.2047731578350067}],"sentiment":"neutral","sentiment_score":0.19396400451660156,"channel":0,"num_words":2,"start":733.535,"end":734.99493},{"sentences":[{"text":"Bye.","start":734.59,"end":735.09,"sentiment":"neutral","sentiment_score":-0.12587907910346985}],"sentiment":"neutral","sentiment_score":-0.12587907910346985,"channel":1,"num_words":1,"start":734.59,"end":735.09}]},"summary":{"result":"success","short":"Representatives from Rescue Financial and Rescue Financial are calling customers to confirm personal information and discuss potential changes to their investment accounts. They recommend swapping smaller investment accounts for larger ones and provide information on fee structures and will and power of attorney information. The agents reassure customers that the switch is improving their position and offer to stay updated on their interview. Customers are encouraged to reach out if needed and to stay updated on their interview."},"intents":{"segments":[{"text":"I was expecting the call. Yeah? 02:30?","start_word":23,"end_word":29,"intents":[{"intent":"Schedule call","confidence_score":0.08327618}]},{"text":"So if you are driving, I'm more than happy to just kind of go through the change, which is, like, really just one change, so it is very straightforward.","start_word":306,"end_word":334,"intents":[{"intent":"Guide and coordinate changes","confidence_score":0.000002776722}]},{"text":"It is literally just swapping one investment. I did consider if we needed to swap other investments, but the others are doing really good, and they are positioned for that long term position.","start_word":740,"end_word":772,"intents":[{"intent":"Evaluate investment swap","confidence_score":0.0103624035}]},{"text":"And even more so moving forward in the future, it's going to be a bigger change because more recently, Ben Benelon has underperformed, whereas a couple of years ago and even last year, they were a lot better.","start_word":1031,"end_word":1068,"intents":[{"intent":"Improve investments and performance","confidence_score":0.00087629317}]},{"text":"So making one investment switch, it is improving it by about 1.11%, which Yeah.","start_word":1107,"end_word":1120,"intents":[{"intent":"Provide information on investment decision","confidence_score":6.131371e-7}]},{"text":"So the BetaShares Australia 200, it is basically tracking the 200 largest companies listed in Australia.","start_word":1143,"end_word":1158,"intents":[{"intent":"Track companies","confidence_score":0.19589335}]},{"text":"So if the performance is really good, having a little bit higher fees for that one investment, it is worth it. But if they are not delivering the returns that warrants the fees, there's no point paying, you know, a little bit more fees if the returns aren't any better.","start_word":1216,"end_word":1265,"intents":[{"intent":"Evaluate performance and fees","confidence_score":0.0034573432}]},{"text":"But if they are not delivering the returns that warrants the fees, there's no point paying, you know, a little bit more fees if the returns aren't any better.","start_word":1237,"end_word":1265,"intents":[{"intent":"Assess impact of fee savings on returns","confidence_score":0.00014935565}]},{"text":"So the a 200, it is more it's a little bit more kind of diversified for you.","start_word":1266,"end_word":1282,"intents":[{"intent":"Provide diversified investments","confidence_score":0.0058717555}]},{"text":"And that was literally the only change. Everything else is going good, but I wanted to change out that one investment for you to try and position you moving forward a little bit better.","start_word":1405,"end_word":1438,"intents":[{"intent":"Confirm investment change","confidence_score":0.000037206686}]},{"text":"I get a chance, I'll I'll I'll send that document and Yes. then give authorization I may. to to do whatever change it it is. But yeah.","start_word":1850,"end_word":1876,"intents":[{"intent":"Provide authorization","confidence_score":0.24401855}]},{"text":"Save some tax. Save some money.","start_word":1878,"end_word":1883,"intents":[{"intent":"Save tax","confidence_score":0.0028387946}]},{"text":"So anything you need at any point in time, just give me a call or send me an email, and you're always welcome to come into the office or just give me a call, whatever is easiest for you.","start_word":1972,"end_word":2010,"intents":[{"intent":"Request call","confidence_score":0.029934209}]},{"text":"And, yeah, once you if you do sign it, I will get notified digitally as well, and that tells me that we can Yep. then go ahead with the change.","start_word":2011,"end_word":2040,"intents":[{"intent":"Get notifications","confidence_score":0.023635311}]}]},"sentiments":{"segments":[{"text":"Hi. Tom Good afternoon, Tom. This is Ranka from Rescue Financial. How are you? speaking. Hi. Hi, Brian. Hi.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.22036880254745483},{"text":"Yeah. Good. Good. Thanks.","start_word":19,"end_word":22,"sentiment":"positive","sentiment_score":0.5579609274864197},{"text":"I was expecting the call. Yeah? 02:30? Yeah. Yeah. Exactly. Do you have some time for me now? Yeah. Yeah. I do have yeah. Yeah. Yeah. I'm free now. Yeah. It's all Yeah.","start_word":23,"end_word":55,"sentiment":"neutral","sentiment_score":0.10780171304941176},{"text":"good. Perfect. It shouldn't take too long, honestly. It's pretty quick.","start_word":56,"end_word":66,"sentiment":"positive","sentiment_score":0.4343494474887848},{"text":"But Yep. before I do go any further, I do need to just let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's totally fine. Yeah. Perfect. Sorry. And even though I can hear that it is you, just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Yes. S o n g h a n. Date of birth, 07/23/1993. Home address, 1002 Slash 2 Upper Street, Dallas Fort. Yep. Perfect. And how, how's your day been? Been busy? Yeah. It's been busy. I am actually, I do have a couple interview, and I got another phone interview at three 3PM. So Oh, beautiful. been looking Well, for yeah. one. Well, I won't keep you for too You long if you have to get prepped and ready, know? but that's really exciting. Yeah. Let me know, Yeah. obviously, how everything is going and if you do find a job with the forms and everything. But, yeah, hopefully, Yeah. that all goes well. Now are Yep. you driving at the moment? Yeah. I'm driving. I thought Yeah. I will try to park on the side of the road if I can, Are you but sure? it's Because not a. Yeah. I can still listen to you and and speak to you. No yeah. worries. Because because it is pretty straightforward.","start_word":67,"end_word":304,"sentiment":"neutral","sentiment_score":0.031039472669363025},{"text":"So if you are driving, I'm more than happy to just kind of go through the change, which is, like, really just one change, so it is very straightforward. And then Yep.","start_word":305,"end_word":336,"sentiment":"positive","sentiment_score":0.6590373516082764},{"text":"when it's safe for you to do so or tonight or whenever you have a bit more time, just have a Yep. read through it. And if you have any questions, you can always give me a call. Is would that be Yeah. okay? Yeah. Yep.","start_word":337,"end_word":382,"sentiment":"neutral","sentiment_score":0.2446620017290115},{"text":"That would be totally fine.","start_word":383,"end_word":387,"sentiment":"positive","sentiment_score":0.4813078343868256},{"text":"Yeah. As long as there's a there there's an email, right, after the call as well. I expect it. Right? Yes. So I Yes. can read it So through with the change. exact. Yes. I have just sent Yep. it. So it should be in your inbox when we get off the phone. Have a look through your spam as well because sometimes it does end up in your spam folder. Yep. Sure. Yep. Of course.","start_word":388,"end_word":463,"sentiment":"neutral","sentiment_score":0.06951355934143066},{"text":"Perfect. Now, Tom, like I said, today is pretty straightforward. So you will have a new SOA.","start_word":464,"end_word":480,"sentiment":"positive","sentiment_score":0.43573370575904846},{"text":"A lot of it is for compliance and stuff we've already gone through.","start_word":481,"end_word":493,"sentiment":"neutral","sentiment_score":0.29680782556533813},{"text":"So I'll tryna keep it quick for you.","start_word":494,"end_word":501,"sentiment":"positive","sentiment_score":0.4477822482585907},{"text":"As per usual, though, every time we do make a recommendation, we have to follow that best interest duty, which is that we do have to put your best your needs and your best interest above anything else. And then the advice Yep. itself has to put you in that better position. Otherwise, we can't actually make the recommendation. So we always have to Yep. follow that. And, like I said, today is pretty straightforward. We're not changing anything with your insurance and super.","start_word":502,"end_word":585,"sentiment":"neutral","sentiment_score":0.1261138617992401},{"text":"That is all going well.","start_word":586,"end_word":590,"sentiment":"positive","sentiment_score":0.33703094720840454},{"text":"It is just literally changing one of your investments in your personal investment account, and that is Yep. that Benelong investment that was underperforming a little bit. So we are The not last time that you called me about. Yep. yes. Exactly. So I'm not changing your risk profile or level of risk. We are keeping it the same, that balance growth.","start_word":591,"end_word":652,"sentiment":"neutral","sentiment_score":0.031122172251343727},{"text":"We are keeping that. It's going good.","start_word":653,"end_word":659,"sentiment":"positive","sentiment_score":0.4452035427093506},{"text":"Now I did some research again on the Hub twenty four account because it is always good to do so because things always change. So when I'm doing research, I'll I'll just consider everything for you just because you never know. Things are always changing.","start_word":660,"end_word":704,"sentiment":"neutral","sentiment_score":0.20399419963359833},{"text":"But at the moment, Hub twenty four is still very competitive for you. They are competitive with price and features and everything.","start_word":705,"end_word":726,"sentiment":"positive","sentiment_score":0.4819663166999817},{"text":"So not Yep. making any changes on, like, platform or anything like that. It is literally just swapping one investment.","start_word":727,"end_word":746,"sentiment":"neutral","sentiment_score":0.15463973581790924},{"text":"I did consider if we needed to swap other investments, but the others are doing really good, and they are positioned for that long term position.","start_word":747,"end_word":772,"sentiment":"positive","sentiment_score":0.4426484704017639},{"text":"And I also don't wanna trigger any capital gains for you because you do pay for this out of pocket.","start_word":773,"end_word":792,"sentiment":"neutral","sentiment_score":0.18995635211467743},{"text":"So I wanted to minimize that, see if I could save a little bit of fees and improve the returns was the main point.","start_word":793,"end_word":816,"sentiment":"positive","sentiment_score":0.4034809470176697},{"text":"So when Yep. you have a look at the document, you will have another of those kind of fee comparison tables. So kind of showing you, like, the fees and everything like that, which outlines the recommendation. So like I said, I have recommended one switch only. So very straightforward, and that is the Bennelong investment we spoke about last time, and it is swapping it for one that's called your BetaShares Australia two hundred. So because we are changing one Australian investment, I wanted to make sure that we still keep it diversified. We we still want some exposure to the Australian market.","start_word":817,"end_word":920,"sentiment":"neutral","sentiment_score":0.19246169924736023},{"text":"It is literally just swapping it for something that is going to perform a little bit better for you. So the BetaShares Australia Yep. 200, it is a little bit cheaper for you than the Bennelong investment. And on a yearly basis, it's saving you about $26. Not massive, but it still adds up. So it's still cheaper.","start_word":921,"end_word":978,"sentiment":"positive","sentiment_score":0.3861147165298462},{"text":"Yep. Now when it exact exactly.","start_word":979,"end_word":984,"sentiment":"neutral","sentiment_score":0.18338871002197263},{"text":"And then, obviously, with compounding and years and stuff, it's gonna make a big of a difference. Yeah. So that is good.","start_word":985,"end_word":1006,"sentiment":"positive","sentiment_score":0.4134985506534576},{"text":"Now when it comes to the actual performance as well so I have used your three and five year comparison to show you. And even more so moving forward in the future, it's going to be a bigger change because more recently, Ben Benelon has underperformed, whereas a couple of years ago and even last year, they were a lot better. So even though when I'm looking at the three entire five year time frame, the the one investment change so the current position we're looking at five years, For example, it's 10.5% return, and the the recommended is 11.61. So making one investment switch, it is improving it by about 1.11%, which Yeah. might not seem like a lot, but it's still putting you in a better position. It is slightly less volatile as well. So the BetaShares Australia 200, it is basically tracking the 200 largest companies listed in Australia. So how this one is a bit different to the Bennelong. In that Bennelong, they are trying to kind of have that active buying and selling to try to outperform the market, which can come at a Yep. little bit more of a cost. Now sometimes that is worth it if the performance kind of meets it.","start_word":1007,"end_word":1215,"sentiment":"neutral","sentiment_score":0.15803197789135162},{"text":"So if the performance is really good, having a little bit higher fees for that one investment, it is worth it.","start_word":1216,"end_word":1236,"sentiment":"positive","sentiment_score":0.3497692346572876},{"text":"But if they are not delivering the returns that warrants the fees, there's no point paying, you know, a little bit more fees if the returns aren't any better. So the a 200, it is more it's a little bit more kind of diversified for you. There's more investments in it.","start_word":1237,"end_word":1287,"sentiment":"neutral","sentiment_score":0.04704688489437103},{"text":"And it's a little bit smoother in that as a company grows and gets bigger and gets into the 200 largest, it will get added to the investment.","start_word":1288,"end_word":1315,"sentiment":"positive","sentiment_score":0.34587353467941284},{"text":"And as something gets smaller, it then kind of comes out.","start_word":1316,"end_word":1326,"sentiment":"neutral","sentiment_score":0.2659628391265869},{"text":"So it's a little bit kind of smoother that way.","start_word":1327,"end_word":1336,"sentiment":"positive","sentiment_score":0.35189083218574524},{"text":"And, yeah, the returns have been better even when I'm looking at a three year time frame. Currently, it's about 13.42. Recommended is 14.52.","start_word":1337,"end_word":1360,"sentiment":"neutral","sentiment_score":0.2451308965682983},{"text":"So, again, a little bit better, but every kind of percentage and every fee saving does make a big difference in the long run.","start_word":1361,"end_word":1384,"sentiment":"positive","sentiment_score":0.4341232478618622},{"text":"Yep. Yeah. Does that make sense, Yep. Tom? Do you make sense? Yes. That makes Yeah. sense. Yes.","start_word":1385,"end_word":1402,"sentiment":"neutral","sentiment_score":0.09379669030507404},{"text":"Yeah. Perfect. And that was literally the only change. Everything else is going good, but I wanted to change out that one investment for you to try and position you moving forward a little bit better. Now the good thing as well is that at the time of calculation, which can fluctuate a little bit on the daily, but it shouldn't really, There doesn't seem to be any tax at all when we do make that one investment switch because Bendelon is down a little bit.","start_word":1403,"end_word":1488,"sentiment":"positive","sentiment_score":0.4270595610141754},{"text":"So it's not gonna trigger Yep. you to paying any additional tax by making a change, which is good because I don't want you to have to pay any more tax. Okay. Yeah. Wow. K. Yeah. Better. Yep. Yeah.","start_word":1489,"end_word":1527,"sentiment":"neutral","sentiment_score":0.2915884852409363},{"text":"So so that's really good. And that is essentially everything. So like I said, pretty straightforward.","start_word":1528,"end_word":1543,"sentiment":"positive","sentiment_score":0.46110349893569946},{"text":"We're not changing Yeah. your risk. I have also, just for your reference, included some information in regards to a will. Just so you have that as well as just some power of attorney information, I do usually include it for everybody. It is good to have a read through and get set up if you ever have the option to do so. And then lastly, just when it comes to the fee structure, no changes like I mentioned last time. It stays exactly the same. So no changes in regards to that. So, obviously, from here is if you are happy to go ahead with that one investment change, Tom, when you have a moment, have a read through the document. If you have any questions, you just call me or send me an email, and we can go through anything.","start_word":1544,"end_word":1685,"sentiment":"neutral","sentiment_score":0.23700444400310516},{"text":"But if you are happy with the change, pretty straightforward, then it would just be to sign the document digitally, you can do.","start_word":1686,"end_word":1708,"sentiment":"positive","sentiment_score":0.3644640445709229},{"text":"It Yep. will ask you to add your signature and a a date. Now sometimes there is a box where it will actually ask you to type anything. That is just there for if you would like to make a change to anything, you can type it there. But if there's no changes, you can just put, like, NA or full stop, and it will let you move forward. Okay. Yeah. Yeah.","start_word":1709,"end_word":1780,"sentiment":"neutral","sentiment_score":0.14132171620925268},{"text":"Yep. Perfect. Sure.","start_word":1781,"end_word":1783,"sentiment":"positive","sentiment_score":0.5376240611076355},{"text":"If you do have any issues or questions, just let me know. But that was basically everything from me today. Yep.","start_word":1784,"end_word":1804,"sentiment":"neutral","sentiment_score":0.2551846206188202},{"text":"So like I said, pretty straightforward.","start_word":1805,"end_word":1810,"sentiment":"positive","sentiment_score":0.34698286652565},{"text":"Do you have any questions or anything for me otherwise before I let you go and get ready for your interview? Yeah. Yeah. I think yeah. Yeah.","start_word":1811,"end_word":1837,"sentiment":"neutral","sentiment_score":0.1402937024831772},{"text":"That's pretty pretty straightforward if I sound a bit.","start_word":1838,"end_word":1846,"sentiment":"positive","sentiment_score":0.3935964703559875},{"text":"And once Yep. I get a chance, I'll I'll I'll send that document and Yes. then give authorization I may. to to do whatever change it it is. But yeah. Yeah. Save some tax. Save some money.","start_word":1847,"end_word":1883,"sentiment":"neutral","sentiment_score":0.14763104915618896},{"text":"We'll Yeah. be all be good. And and thanks thanks for the effort thanks for the Exact effort for, yeah, no. treating the better bill for me.","start_word":1884,"end_word":1910,"sentiment":"positive","sentiment_score":0.48062625527381897},{"text":"Yeah. Of course. And I'm always here. That's what we that's the ongoing service. That's why we're always here to do it, but not even during under review. So, obviously, we do research all the time. And if we ever see anything Yep. that's going to change, we'll give you a call. We'll talk through the changes, and we're always here. So anything you need at any point in time, just give me a call or send me an email, and you're always welcome to come into the office or just give me a call, whatever is easiest for you. And, yeah, once you if you do sign it, I will get notified digitally as well, and that tells me that we can Yep. then go ahead with the change. So, obviously, take your time. Have a read through it. Otherwise, I'll keep a lookout for my emails. I will let Yep. you go and get to your interview. But anything else that you need at any point in time, Tom, don't hesitate to give me a call. Alright.","start_word":1911,"end_word":2089,"sentiment":"neutral","sentiment_score":0.20470759272575376},{"text":"Thank you. Thank you for holding up. Appreciate No problem at all. And best of luck on the interview. it. Thanks. Appreciate it.","start_word":2090,"end_word":2112,"sentiment":"positive","sentiment_score":0.5218620144802592},{"text":"Hopefully, I got by soon, then let you guys know if I update whatever the Yes. card of Exactly. Yeah. Just keep me up to date, Yep.","start_word":2113,"end_word":2139,"sentiment":"neutral","sentiment_score":0.21368660032749176},{"text":"and I have my fingers crossed.","start_word":2140,"end_word":2145,"sentiment":"positive","sentiment_score":0.3520261347293854},{"text":"Yeah.","start_word":2146,"end_word":2146,"sentiment":"neutral","sentiment_score":0.21751028299331665},{"text":"Sure. Awesome. Thanks, Okay. Brian. We'll speak soon. See you.","start_word":2147,"end_word":2156,"sentiment":"positive","sentiment_score":0.4868273437023163},{"text":"Okay. Bye. Bye.","start_word":2157,"end_word":2159,"sentiment":"neutral","sentiment_score":0.17478075623512268}],"average":{"sentiment":"neutral","sentiment_score":0.21889051363469791}}}}