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Well, I will try not to keep you for too long so you can get to it. It is a pretty quick one today. Basically, just running over the recommendation after I did a bit of research on your investment. Do you kind of remember that? Yep. Perfect. Now just like usual, before I do go any further, just need to let you know that calls, yeah, are recorded. That's okay? Yes. Amazing. Thank you so much. Now I have to send you an email. Do you have access to your emails at the moment? Yes. Perfect. Now let me know when that comes through. And sometimes it does end up in the spam folder as well. Nothing yet. I'll just quickly go through them with you first just to make sure you're happy with it before I get you to sign anything. Now if you can click on the link for me, Connie, you should see the document where it says statement of the device. Same cover page. Can you see that? So in the email, if you click on it where it says sign now, it would actually allow you to open up the document first before it prompts you to sign anything. Do you have a dog or a cat close by? Perfect. Sorry. If you can click on that one for me. Now because you obviously have gone through this drill before, I'll try to make it quick for you. But just like usual, obviously, everything that we have recommended, it is tailored to you. Again, underneath it, you can see my details there and, obviously, all our contact details. Same as last time, we are bound by the best interest duty. Again, on the second page, always making sure that everything that we do recommend puts you in a better position and always take your best interest before anything else. Perfect. Now if you can kind of just scroll through for me there, Connie, you will see that the only thing we're kind of focusing today is just your superannuation. Just reviewing your investments to see if we could make any changes to improve some of the investment. Obviously, with everything going on in the world, not making any changes to your insurances, they're still very affordable and tailored to you. So it's literally just your superannuation today. So pretty straightforward. Now if you can scroll down for me. Let me see here. Through page 19. Can you see where it says see comparison table? Yeah. Perfect. So you can see here that I have recommended that you stay in hub 24. It's still really good for you. There's no reason to change it. Has all the options of all the investments and everything like that. So the only thing we're doing is literally just changing a couple of your investments. So you can see here that by making the change in the investments alone, on the column where it says investment fees, it's actually make it's making it a bit cheaper for you. So for the recommended by swapping out, and one of those was that Ben along the the managed fund, which was a little bit more expensive. And, typically, it is to try to outperform the market, the lack we touched on last time. Because they hadn't really outperformed lately, there's no point paying more fees if you're not getting more returns for it. Yeah. So the new portfolio making those changes is a bit cheaper. So you can see that on a yearly, it's saving about $498 in investment fees, which which is pretty big. And we're not yeah. And we're also not changing your risk. So we're still keeping you in a growth portfolio, still trying to grow that super as much as possible, still have about the same 80 20 allocation to your growth and your defensive. So that's literally just by swapping some of the investments out. And you can also see that from the return, which is at the bottom of that, you can see that the the recommended has performed a little bit better as well, which is great. So the old one was still doing good, but then the the new one has done a little bit better. And that's why the annual reviews are so good and important because there's always things changing in in the world and in the market all the time. So it is important to review this because there's potentially tweaks and changes that we can make for you and always make sure we have you in the best position possible for you. Yep. Now by making this change, there won't be any fees, so there won't be any capital gains tax or anything like that, which is great. So that's basically kind of this page here. So no changes really aside from improving the returns a little bit and reducing the fees, which is great. So if you scroll down one page from your page 20, you can then actually see that five and ten year projection a bit of updated for you again, which does make a big difference when you are kind of compounding everything for you. Yeah. Yeah. And underneath that, you can see then the returns. You can see the twelve month, three years, and then five years in their their recommended portfolio. The current one, some of the investments didn't have five years, so that's why it's just left blank for you. Any questions so far? Oh, that's pretty straightforward. Perfect. Now if you wanna scroll up for me to page 16, I just wanna quickly highlight some of the changes that I'm making to the investment. Yeah. Sorry. Can you see that table? Yeah. Perfect. Do you have a a dog or a cat close to you, Connie? That's having a bit of a sleep at the moment? That's so funny. My dog does exactly the same. If I ever work work from home, she's under my desk, snoring away. I was, oh, that's so cute. No. That's fine. I was just some interesting notes. I was like, I'm surely that's a that's an animal in the background. Yeah. No. That's okay. Now here, Connie, I have this outline, the changes. So what you see in red, the only reason it's red, it's just because we are swapping them out. It's not that they're negative or anything like that. It is just because we are selling them. So sometimes people think red and they think it's down. No. That's not it. It is just we are changing it. So that's just showing what we are selling and swapping the investment. Yep. Sorry. As you can see, if we look at the top one that's been along Australian, that's the one we wanted to move out of. So as you can see, we are completely selling out of that one. And instead, we have included some other options for you, which I will kind of go through as as we come down here. Now kind of the the the closest lock for lock that we have included is on page 17. It is a little bit broken because it's a longer table, but it's the one where it says the beta shares Australia 200. Can you see where I'm at at the moment? Yep. So this is the one that we have replaced because if we are changing your Australian investment, we wanna kind of include it with a similar one. So, again, yeah, it's focusing on the 200 largest companies in Australia. So you will have, you know, Commonwealth and BHT and Woolworths, all the big companies. And this one here was a bit cheaper than the Benelon, which is why you could also see some of those investment fees being a little bit cheaper. And more recently, they have performed a little bit better as well, which is good. Yeah. Yeah. Yeah. So the target way is the the asset allocation through the portfolio of how we wanna structure it. We are then swapping out of some of the other investments. So the other ones we are changing, it is just your health care and JPMorgan and the the roughly Australian. And we are introducing an investment to Europe. So that one includes a range of different companies in Europe. So you'll have mainly companies in, you know, The UK and Germany and France and Switzerland. And then you also have about 5% in Japan. A lot of opportunities in this space, so we've kind of swapped the one of the investments of the India for Japan for you. And then we also have 8% in one investment that just have companies around the globe. So, basically, all around the world, but it is excluding The US because you do have that exposure already in another investment. And we wanna make sure we don't put too much into one area or industry. We do wanna diversify things forward. Yeah. We are done just swapping as well one of the fixed interest option for a very similar one. Again, just a little bit cheaper and has performed a little bit better. Otherwise, very similar. And some of the other ones we are keeping, we are keeping gold in your portfolio, just rebalancing it. It's done really well. So we keep we're keeping that one, yeah, in your your portfolio. And that is essentially the changes. So not massive changes, just swapping a couple out to kind of improve the returns a little bit and reduce those fees a little bit down for you. Yeah. Perfect. Do you have any questions, Connie, or is it pretty straightforward? No? Not good. Now the last thing I do wanna highlight to you, it's just the remuneration again on the page 23. Yeah. Sorry. No changes whatsoever in regards to the fee. So if you are yeah. So if you are happy to go ahead with the change today, there is no additional fees or charges or anything like that. That is all part of the ongoing advice fee that you already paid from super, which is just that 1.65. So that factors in all of this. So there's no additional fees or charges or anything like that if you wanted to go ahead with the change. It's all part of the service for you, Connie. Yeah. Perfect. Now that was essentially what I needed to go through today. So pretty quick and easy. Now for your reference as well in the email so before you click on the link, if you later wanna go and have a read over it, I have included the appendix again. So that's where all those investment links and research is. So if it is that you do wanna read up on it a bit more, it's all in there for you. Yep. Perfect. So, essentially, from here is if you are happy to go ahead with the change, Connie, I will just need you to sign the document. It will then come through to me, and I can get the team to make that change. But if you wanted to take some time and read over as well, that's also perfectly fine. Oh, perfect. Then I can get the team on that right away, and we can go ahead and make this change for you. Perfect. I'll wait for that to come through. Sometimes it takes a little bit to come through. If you do have any issues signing it, let me know. But, otherwise, I will just refresh my my page in a couple of minutes and see if it's come through, and we can get that all sorted for you. And I will let you go, and, hopefully, you'll be able to get, a little nap or something through in the afternoon. But do you have any other questions for me before I let you go today? No? That's good. Perfect. Well, if you do think of anything or if there's anything else that you need, you know, you have you my email or otherwise, just give the office a call, or we can always book you in for a bit of a catch up. Perfect. What does it say for you? Yes. You can just you can just put NA. That is if you wanted to make a variation to it. You could type in, I don't want this, so I would like this instead. But if there's no changes, then you can just type, like, NA or no changes. Yeah. Then it should just be signature and date for you. Yep. That's great. Perfect. Well, I will let you go, Connie. Like I said, you have my email. Give me a call if you need anything, and, otherwise, I look forward to speaking with you soon again. Mhmm. No problem. You too, Connie. We'll speak soon. Okay. 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afternoon, Connie. This is Veronica from Financial. How are you? I'm good. Thanks.\n\nHow's your day been? That's good. How's the day off today? Did you get some sleep at least? Okay.\n\nWell, I will try not to keep you for too long so you can get to it. It is a pretty quick one today. Basically, just running over the recommendation after I did a bit of research on your investment. Do you kind of remember that? Yep.\n\nPerfect. Now just like usual, before I do go any further, just need to let you know that calls, yeah, are recorded. That's okay? Yes. Amazing.\n\nThank you so much. Now I have to send you an email. Do you have access to your emails at the moment? Yes. Perfect.\n\nNow let me know when that comes through. And sometimes it does end up in the spam folder as well. Nothing yet. I'll just quickly go through them with you first just to make sure you're happy with it before I get you to sign anything. Now if you can click on the link for me, Connie, you should see the document where it says statement of the device.\n\nSame cover page. Can you see that? So in the email, if you click on it where it says sign now, it would actually allow you to open up the document first before it prompts you to sign anything. Do you have a dog or a cat close by? Perfect.\n\nSorry. If you can click on that one for me. Now because you obviously have gone through this drill before, I'll try to make it quick for you. But just like usual, obviously, everything that we have recommended, it is tailored to you. Again, underneath it, you can see my details there and, obviously, all our contact details.\n\nSame as last time, we are bound by the best interest duty. Again, on the second page, always making sure that everything that we do recommend puts you in a better position and always take your best interest before anything else. Perfect. Now if you can kind of just scroll through for me there, Connie, you will see that the only thing we're kind of focusing today is just your superannuation. Just reviewing your investments to see if we could make any changes to improve some of the investment.\n\nObviously, with everything going on in the world, not making any changes to your insurances, they're still very affordable and tailored to you. So it's literally just your superannuation today. So pretty straightforward. Now if you can scroll down for me. Let me see here.\n\nThrough page 19. Can you see where it says see comparison table? Yeah. Perfect. So you can see here that I have recommended that you stay in hub 24.\n\nIt's still really good for you. There's no reason to change it. Has all the options of all the investments and everything like that. So the only thing we're doing is literally just changing a couple of your investments. So you can see here that by making the change in the investments alone, on the column where it says investment fees, it's actually make it's making it a bit cheaper for you.\n\nSo for the recommended by swapping out, and one of those was that Ben along the the managed fund, which was a little bit more expensive. And, typically, it is to try to outperform the market, the lack we touched on last time. Because they hadn't really outperformed lately, there's no point paying more fees if you're not getting more returns for it. Yeah. So the new portfolio making those changes is a bit cheaper.\n\nSo you can see that on a yearly, it's saving about $498 in investment fees, which which is pretty big. And we're not yeah. And we're also not changing your risk. So we're still keeping you in a growth portfolio, still trying to grow that super as much as possible, still have about the same 80 20 allocation to your growth and your defensive. So that's literally just by swapping some of the investments out.\n\nAnd you can also see that from the return, which is at the bottom of that, you can see that the the recommended has performed a little bit better as well, which is great. So the old one was still doing good, but then the the new one has done a little bit better. And that's why the annual reviews are so good and important because there's always things changing in in the world and in the market all the time. So it is important to review this because there's potentially tweaks and changes that we can make for you and always make sure we have you in the best position possible for you. Yep.\n\nNow by making this change, there won't be any fees, so there won't be any capital gains tax or anything like that, which is great. So that's basically kind of this page here. So no changes really aside from improving the returns a little bit and reducing the fees, which is great. So if you scroll down one page from your page 20, you can then actually see that five and ten year projection a bit of updated for you again, which does make a big difference when you are kind of compounding everything for you. Yeah.\n\nYeah. And underneath that, you can see then the returns. You can see the twelve month, three years, and then five years in their their recommended portfolio. The current one, some of the investments didn't have five years, so that's why it's just left blank for you. Any questions so far?\n\nOh, that's pretty straightforward. Perfect. Now if you wanna scroll up for me to page 16, I just wanna quickly highlight some of the changes that I'm making to the investment. Yeah. Sorry.\n\nCan you see that table? Yeah. Perfect. Do you have a a dog or a cat close to you, Connie? That's having a bit of a sleep at the moment?\n\nThat's so funny. My dog does exactly the same. If I ever work work from home, she's under my desk, snoring away. I was, oh, that's so cute. No.\n\nThat's fine. I was just some interesting notes. I was like, I'm surely that's a that's an animal in the background. Yeah. No.\n\nThat's okay. Now here, Connie, I have this outline, the changes. So what you see in red, the only reason it's red, it's just because we are swapping them out. It's not that they're negative or anything like that. It is just because we are selling them.\n\nSo sometimes people think red and they think it's down. No. That's not it. It is just we are changing it. So that's just showing what we are selling and swapping the investment.\n\nYep. Sorry. As you can see, if we look at the top one that's been along Australian, that's the one we wanted to move out of. So as you can see, we are completely selling out of that one. And instead, we have included some other options for you, which I will kind of go through as as we come down here.\n\nNow kind of the the the closest lock for lock that we have included is on page 17. It is a little bit broken because it's a longer table, but it's the one where it says the beta shares Australia 200. Can you see where I'm at at the moment? Yep. So this is the one that we have replaced because if we are changing your Australian investment, we wanna kind of include it with a similar one.\n\nSo, again, yeah, it's focusing on the 200 largest companies in Australia. So you will have, you know, Commonwealth and BHT and Woolworths, all the big companies. And this one here was a bit cheaper than the Benelon, which is why you could also see some of those investment fees being a little bit cheaper. And more recently, they have performed a little bit better as well, which is good. Yeah.\n\nYeah. Yeah. So the target way is the the asset allocation through the portfolio of how we wanna structure it. We are then swapping out of some of the other investments. So the other ones we are changing, it is just your health care and JPMorgan and the the roughly Australian.\n\nAnd we are introducing an investment to Europe. So that one includes a range of different companies in Europe. So you'll have mainly companies in, you know, The UK and Germany and France and Switzerland. And then you also have about 5% in Japan. A lot of opportunities in this space, so we've kind of swapped the one of the investments of the India for Japan for you.\n\nAnd then we also have 8% in one investment that just have companies around the globe. So, basically, all around the world, but it is excluding The US because you do have that exposure already in another investment. And we wanna make sure we don't put too much into one area or industry. We do wanna diversify things forward. Yeah.\n\nWe are done just swapping as well one of the fixed interest option for a very similar one. Again, just a little bit cheaper and has performed a little bit better. Otherwise, very similar. And some of the other ones we are keeping, we are keeping gold in your portfolio, just rebalancing it. It's done really well.\n\nSo we keep we're keeping that one, yeah, in your your portfolio. And that is essentially the changes. So not massive changes, just swapping a couple out to kind of improve the returns a little bit and reduce those fees a little bit down for you. Yeah. Perfect.\n\nDo you have any questions, Connie, or is it pretty straightforward? No? Not good. Now the last thing I do wanna highlight to you, it's just the remuneration again on the page 23. Yeah.\n\nSorry. No changes whatsoever in regards to the fee. So if you are yeah. So if you are happy to go ahead with the change today, there is no additional fees or charges or anything like that. That is all part of the ongoing advice fee that you already paid from super, which is just that 1.65.\n\nSo that factors in all of this. So there's no additional fees or charges or anything like that if you wanted to go ahead with the change. It's all part of the service for you, Connie. Yeah. Perfect.\n\nNow that was essentially what I needed to go through today. So pretty quick and easy. Now for your reference as well in the email so before you click on the link, if you later wanna go and have a read over it, I have included the appendix again. So that's where all those investment links and research is. So if it is that you do wanna read up on it a bit more, it's all in there for you.\n\nYep. Perfect. So, essentially, from here is if you are happy to go ahead with the change, Connie, I will just need you to sign the document. It will then come through to me, and I can get the team to make that change. But if you wanted to take some time and read over as well, that's also perfectly fine.\n\nOh, perfect. Then I can get the team on that right away, and we can go ahead and make this change for you. Perfect. I'll wait for that to come through. Sometimes it takes a little bit to come through.\n\nIf you do have any issues signing it, let me know. But, otherwise, I will just refresh my my page in a couple of minutes and see if it's come through, and we can get that all sorted for you. And I will let you go, and, hopefully, you'll be able to get, a little nap or something through in the afternoon. But do you have any other questions for me before I let you go today? No?\n\nThat's good. Perfect. Well, if you do think of anything or if there's anything else that you need, you know, you have you my email or otherwise, just give the office a call, or we can always book you in for a bit of a catch up. Perfect. What does it say for you?\n\nYes. You can just you can just put NA. That is if you wanted to make a variation to it. You could type in, I don't want this, so I would like this instead. But if there's no changes, then you can just type, like, NA or no changes.\n\nYeah. Then it should just be signature and date for you. Yep. That's great. Perfect.\n\nWell, I will let you go, Connie. Like I said, you have my email. Give me a call if you need anything, and, otherwise, I look forward to speaking with you soon again. Mhmm. No problem.\n\nYou too, Connie. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Connie.","start":2.48,"end":3.6,"sentiment":"neutral","sentiment_score":0.3207905789216359},{"text":"This is Veronica from Financial.","start":3.6,"end":5.06,"sentiment":"neutral","sentiment_score":0.24605847895145416},{"text":"How are you?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.21721436083316803},{"text":"I'm good.","start":7.8399997,"end":8.559999,"sentiment":"positive","sentiment_score":0.5049005746841431},{"text":"Thanks.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.5829511880874634}],"sentiment":"neutral","sentiment_score":0.3169328251055309,"num_words":14,"start":2.48,"end":9.059999},{"sentences":[{"text":"How's your day been?","start":9.2,"end":10.42,"sentiment":"positive","sentiment_score":0.3599995747208595},{"text":"That's good.","start":12.815001,"end":13.295,"sentiment":"positive","sentiment_score":0.5694164633750916},{"text":"How's the day off today?","start":13.295,"end":14.515,"sentiment":"neutral","sentiment_score":0.23274531662464143},{"text":"Did you get some sleep at least?","start":18.495,"end":20.275,"sentiment":"neutral","sentiment_score":0.026511457615665028},{"text":"Okay.","start":21.615,"end":22.115,"sentiment":"neutral","sentiment_score":0.03646120056509971}],"sentiment":"neutral","sentiment_score":0.20866311645429386,"num_words":19,"start":9.2,"end":22.115},{"sentences":[{"text":"Well, I will try not to keep you for too long so you can get to it.","start":22.335,"end":25.875,"sentiment":"neutral","sentiment_score":0.03116941890295814},{"text":"It is a pretty quick one today.","start":27.055,"end":28.97,"sentiment":"neutral","sentiment_score":0.20579889842442103},{"text":"Basically, just running over the recommendation after I did a bit of research on your investment.","start":30.07,"end":35.93,"sentiment":"neutral","sentiment_score":0.10139119578525424},{"text":"Do you kind of remember that?","start":36.309998,"end":37.85,"sentiment":"neutral","sentiment_score":0.021317890534798305},{"text":"Yep.","start":38.55,"end":39.03,"sentiment":"neutral","sentiment_score":0.13215026259422302}],"sentiment":"neutral","sentiment_score":0.08197423720613439,"num_words":47,"start":22.335,"end":39.03},{"sentences":[{"text":"Perfect.","start":39.03,"end":39.53,"sentiment":"positive","sentiment_score":0.3414037227630615},{"text":"Now just like usual, before I do go any further, just need to let you know that calls, yeah, are recorded.","start":39.91,"end":46.725,"sentiment":"neutral","sentiment_score":0.05904899595216626},{"text":"That's okay?","start":46.725,"end":47.465,"sentiment":"neutral","sentiment_score":0.05713424272835255},{"text":"Yes.","start":52.98,"end":53.48,"sentiment":"neutral","sentiment_score":0.0268094465136528},{"text":"Amazing.","start":56.739998,"end":57.239998,"sentiment":"positive","sentiment_score":0.5835323333740234}],"sentiment":"neutral","sentiment_score":0.08869395781165132,"num_words":26,"start":39.03,"end":57.239998},{"sentences":[{"text":"Thank you so much.","start":57.38,"end":58.68,"sentiment":"positive","sentiment_score":0.629305437207222},{"text":"Now I have to send you an email.","start":60.34,"end":63.88,"sentiment":"neutral","sentiment_score":0.014241595985367894},{"text":"Do you have access to your emails at the moment?","start":64.9,"end":67.56,"sentiment":"neutral","sentiment_score":-0.00046445634216070176},{"text":"Yes.","start":68.475006,"end":68.975006,"sentiment":"neutral","sentiment_score":0.06910445541143417},{"text":"Perfect.","start":69.115005,"end":69.615005,"sentiment":"neutral","sentiment_score":0.1354711353778839}],"sentiment":"neutral","sentiment_score":0.11796189766998093,"num_words":24,"start":57.38,"end":69.615005},{"sentences":[{"text":"Now let me know when that comes through.","start":71.915,"end":75.215004,"sentiment":"neutral","sentiment_score":0.022416116204112768},{"text":"And sometimes it does end up in the spam folder as well.","start":80.73,"end":84.590004,"sentiment":"neutral","sentiment_score":-0.1654595322906971},{"text":"Nothing yet.","start":97.545,"end":98.525,"sentiment":"neutral","sentiment_score":-0.10439551621675491},{"text":"I'll just quickly go through them with you first just to make sure you're happy with it before I get you to sign anything.","start":116.855,"end":123.195,"sentiment":"neutral","sentiment_score":0.05304972711019218},{"text":"Now if you can click on the link for me, Connie, you should see the document where it says statement of the device.","start":124.615,"end":131.115,"sentiment":"neutral","sentiment_score":0.021066485215788303}],"sentiment":"neutral","sentiment_score":-0.0037283170968294144,"num_words":69,"start":71.915,"end":131.115},{"sentences":[{"text":"Same cover page.","start":132.34001,"end":133.3,"sentiment":"neutral","sentiment_score":0.010918252790967623},{"text":"Can you see that?","start":133.3,"end":134.36,"sentiment":"neutral","sentiment_score":0.008968205656856298},{"text":"So in the email, if you click on it where it says sign now, it would actually allow you to open up the document first before it prompts you to sign anything.","start":142.1,"end":153.475,"sentiment":"neutral","sentiment_score":0.054689573182258755},{"text":"Do you have a dog or a cat close by?","start":160.75,"end":163.41,"sentiment":"neutral","sentiment_score":0.019768986292183398},{"text":"Perfect.","start":166.35,"end":166.85,"sentiment":"neutral","sentiment_score":0.1706562489271164}],"sentiment":"neutral","sentiment_score":0.04374080069363117,"num_words":50,"start":132.34001,"end":166.85},{"sentences":[{"text":"Sorry.","start":167.71,"end":168.19,"sentiment":"neutral","sentiment_score":-0.010010745376348495},{"text":"If you can click on that one for me.","start":168.19,"end":170.29001,"sentiment":"neutral","sentiment_score":-0.006372821413808399},{"text":"Now because you obviously have gone through this drill before, I'll try to make it quick for you.","start":171.55501,"end":176.615,"sentiment":"neutral","sentiment_score":0.10394548107352522},{"text":"But just like usual, obviously, everything that we have recommended, it is tailored to you.","start":176.995,"end":182.295,"sentiment":"neutral","sentiment_score":0.30619100431601204},{"text":"Again, underneath it, you can see my details there and, obviously, all our contact details.","start":182.835,"end":189.02,"sentiment":"neutral","sentiment_score":0.08718180134892464}],"sentiment":"neutral","sentiment_score":0.13283180355511862,"num_words":58,"start":167.71,"end":189.02},{"sentences":[{"text":"Same as last time, we are bound by the best interest duty.","start":189.96,"end":194.28,"sentiment":"neutral","sentiment_score":0.1980007973810037},{"text":"Again, on the second page, always making sure that everything that we do recommend puts you in a better position and always take your best interest before anything else.","start":194.28,"end":203.845,"sentiment":"positive","sentiment_score":0.35205940182866724},{"text":"Perfect.","start":205.585,"end":206.085,"sentiment":"positive","sentiment_score":0.6052781343460083},{"text":"Now if you can kind of just scroll through for me there, Connie, you will see that the only thing we're kind of focusing today is just your superannuation.","start":206.225,"end":214.62999,"sentiment":"neutral","sentiment_score":0.3332641597451835},{"text":"Just reviewing your investments to see if we could make any changes to improve some of the investment.","start":215.25,"end":220.53,"sentiment":"neutral","sentiment_score":0.2992115658190515}],"sentiment":"neutral","sentiment_score":0.3173199907112657,"num_words":89,"start":189.96,"end":220.53},{"sentences":[{"text":"Obviously, with everything going on in the world, not making any changes to your insurances, they're still very affordable and tailored to you.","start":220.53,"end":228.39,"sentiment":"positive","sentiment_score":0.4652486307465512},{"text":"So it's literally just your superannuation today.","start":228.625,"end":231.44499,"sentiment":"positive","sentiment_score":0.49027103185653687},{"text":"So pretty straightforward.","start":231.50499,"end":232.485,"sentiment":"positive","sentiment_score":0.40264779329299927},{"text":"Now if you can scroll down for me.","start":234.305,"end":236.965,"sentiment":"neutral","sentiment_score":0.08582268329337239},{"text":"Let me see here.","start":237.025,"end":238.405,"sentiment":"neutral","sentiment_score":0.04679775703698397}],"sentiment":"positive","sentiment_score":0.3603184801008966,"num_words":45,"start":220.53,"end":238.405},{"sentences":[{"text":"Through page 19.","start":239.58499,"end":243.98,"sentiment":"neutral","sentiment_score":0.0314661997059981},{"text":"Can you see where it says see comparison table?","start":250.36,"end":253.09999,"sentiment":"neutral","sentiment_score":0.031659498603807554},{"text":"Yeah.","start":253.575,"end":254.075,"sentiment":"neutral","sentiment_score":0.07437446713447571},{"text":"Perfect.","start":255.25499,"end":255.75499,"sentiment":"neutral","sentiment_score":0.3264288902282715},{"text":"So you can see here that I have recommended that you stay in hub 24.","start":256.535,"end":260.875,"sentiment":"neutral","sentiment_score":0.16698690752188364}],"sentiment":"neutral","sentiment_score":0.11327382954287118,"num_words":29,"start":239.58499,"end":260.875},{"sentences":[{"text":"It's still really good for you.","start":261.495,"end":262.855,"sentiment":"positive","sentiment_score":0.6323844492435455},{"text":"There's no reason to change it.","start":262.855,"end":265.195,"sentiment":"neutral","sentiment_score":0.135237288971742},{"text":"Has all the options of all the investments and everything like that.","start":265.255,"end":268.35,"sentiment":"neutral","sentiment_score":0.24570371707280478},{"text":"So the only thing we're doing is literally just changing a couple of your investments.","start":268.35,"end":272.21,"sentiment":"neutral","sentiment_score":0.1025641605257988},{"text":"So you can see here that by making the change in the investments alone, on the column where it says investment fees, it's actually make it's making it a bit cheaper for you.","start":273.15,"end":288.76498,"sentiment":"neutral","sentiment_score":0.13154007438005824}],"sentiment":"neutral","sentiment_score":0.18657583189714286,"num_words":72,"start":261.495,"end":288.76498},{"sentences":[{"text":"So for the recommended by swapping out, and one of those was that Ben along the the managed fund, which was a little bit more expensive.","start":288.76498,"end":296.865,"sentiment":"neutral","sentiment_score":-0.03475542008303679},{"text":"And, typically, it is to try to outperform the market, the lack we touched on last time.","start":297.50998,"end":302.25,"sentiment":"neutral","sentiment_score":0.009694305412909564},{"text":"Because they hadn't really outperformed lately, there's no point paying more fees if you're not getting more returns for it.","start":302.71,"end":309.44998,"sentiment":"neutral","sentiment_score":0.008402666915208102},{"text":"Yeah.","start":311.265,"end":311.665,"sentiment":"neutral","sentiment_score":0.26383885741233826},{"text":"So the new portfolio making those changes is a bit cheaper.","start":311.665,"end":314.625,"sentiment":"positive","sentiment_score":0.5316895192319696}],"sentiment":"neutral","sentiment_score":0.07388852236171563,"num_words":75,"start":288.76498,"end":314.625},{"sentences":[{"text":"So you can see that on a yearly, it's saving about $498 in investment fees, which which is pretty big.","start":314.625,"end":321.605,"sentiment":"positive","sentiment_score":0.346549541503191},{"text":"And we're not yeah.","start":323.12,"end":324.65997,"sentiment":"neutral","sentiment_score":0.11688420735299587},{"text":"And we're also not changing your risk.","start":325.12,"end":327.68,"sentiment":"neutral","sentiment_score":0.1083764721240316},{"text":"So we're still keeping you in a growth portfolio, still trying to grow that super as much as possible, still have about the same 80 20 allocation to your growth and your defensive.","start":327.68,"end":342.435,"sentiment":"positive","sentiment_score":0.3347005198399226},{"text":"So that's literally just by swapping some of the investments out.","start":342.975,"end":346.115,"sentiment":"neutral","sentiment_score":0.2607417946512049}],"sentiment":"neutral","sentiment_score":0.294272531469663,"num_words":75,"start":314.625,"end":346.115},{"sentences":[{"text":"And you can also see that from the return, which is at the bottom of that, you can see that the the recommended has performed a little bit better as well, which is great.","start":346.335,"end":358.96,"sentiment":"positive","sentiment_score":0.38849810204085183},{"text":"So the old one was still doing good, but then the the new one has done a little bit better.","start":359.66,"end":363.91998,"sentiment":"neutral","sentiment_score":0.28408513218164444},{"text":"And that's why the annual reviews are so good and important because there's always things changing in in the world and in the market all the time.","start":364.025,"end":373.625,"sentiment":"neutral","sentiment_score":0.3312736711016408},{"text":"So it is important to review this because there's potentially tweaks and changes that we can make for you and always make sure we have you in the best position possible for you.","start":373.625,"end":382.69998,"sentiment":"positive","sentiment_score":0.36655280445561267},{"text":"Yep.","start":384.03998,"end":384.53998,"sentiment":"positive","sentiment_score":0.42255157232284546}],"sentiment":"positive","sentiment_score":0.3509027943662975,"num_words":115,"start":346.335,"end":384.53998},{"sentences":[{"text":"Now by making this change, there won't be any fees, so there won't be any capital gains tax or anything like that, which is great.","start":385.63998,"end":393.845,"sentiment":"positive","sentiment_score":0.4255368205904961},{"text":"So that's basically kind of this page here.","start":395.025,"end":397.985,"sentiment":"positive","sentiment_score":0.3826326094567776},{"text":"So no changes really aside from improving the returns a little bit and reducing the fees, which is great.","start":397.985,"end":404.52,"sentiment":"positive","sentiment_score":0.499350706213399},{"text":"So if you scroll down one page from your page 20, you can then actually see that five and ten year projection a bit of updated for you again, which does make a big difference when you are kind of compounding everything for you.","start":404.75998,"end":419.34,"sentiment":"neutral","sentiment_score":0.23011946271766315},{"text":"Yeah.","start":420.70502,"end":421.20502,"sentiment":"neutral","sentiment_score":0.2177615463733673}],"sentiment":"positive","sentiment_score":0.34567178056104897,"num_words":97,"start":385.63998,"end":421.20502},{"sentences":[{"text":"Yeah.","start":421.825,"end":422.225,"sentiment":"neutral","sentiment_score":0.17487560212612152},{"text":"And underneath that, you can see then the returns.","start":422.225,"end":424.70502,"sentiment":"neutral","sentiment_score":0.1320476084947586},{"text":"You can see the twelve month, three years, and then five years in their their recommended portfolio.","start":424.70502,"end":430.48502,"sentiment":"neutral","sentiment_score":0.11394551089581322},{"text":"The current one, some of the investments didn't have five years, so that's why it's just left blank for you.","start":431.345,"end":438.6,"sentiment":"neutral","sentiment_score":-0.06305563449859619},{"text":"Any questions so far?","start":438.6,"end":439.80002,"sentiment":"neutral","sentiment_score":0.0319778430275619}],"sentiment":"neutral","sentiment_score":0.042493655802864655,"num_words":51,"start":421.825,"end":439.80002},{"sentences":[{"text":"Oh, that's pretty straightforward.","start":439.80002,"end":441.02002,"sentiment":"neutral","sentiment_score":0.013894971692934632},{"text":"Perfect.","start":441.72,"end":442.22,"sentiment":"positive","sentiment_score":0.7257251143455505},{"text":"Now if you wanna scroll up for me to page 16, I just wanna quickly highlight some of the changes that I'm making to the investment.","start":443.24002,"end":452.24503,"sentiment":"neutral","sentiment_score":0.21134342195896003},{"text":"Yeah.","start":454.225,"end":454.625,"sentiment":"neutral","sentiment_score":0.03697218745946884},{"text":"Sorry.","start":454.625,"end":454.945,"sentiment":"neutral","sentiment_score":0.02294621802866459}],"sentiment":"neutral","sentiment_score":0.19200461750116313,"num_words":33,"start":439.80002,"end":454.945},{"sentences":[{"text":"Can you see that table?","start":454.945,"end":456.08502,"sentiment":"neutral","sentiment_score":0.028822851181030274},{"text":"Yeah.","start":457.185,"end":457.685,"sentiment":"neutral","sentiment_score":0.1614627093076706},{"text":"Perfect.","start":457.74503,"end":458.24503,"sentiment":"positive","sentiment_score":0.33728253841400146},{"text":"Do you have a a dog or a cat close to you, Connie?","start":459.105,"end":462.08502,"sentiment":"neutral","sentiment_score":0.08993261422102268},{"text":"That's having a bit of a sleep at the moment?","start":463.49002,"end":465.91,"sentiment":"neutral","sentiment_score":0.17396729364991187}],"sentiment":"neutral","sentiment_score":0.11838854749997457,"num_words":30,"start":454.945,"end":465.91},{"sentences":[{"text":"That's so funny.","start":466.13,"end":467.49002,"sentiment":"neutral","sentiment_score":0.27535973985989887},{"text":"My dog does exactly the same.","start":467.49002,"end":469.59003,"sentiment":"neutral","sentiment_score":0.16696562618017197},{"text":"If I ever work work from home, she's under my desk, snoring away.","start":469.73,"end":474.85,"sentiment":"neutral","sentiment_score":-0.002023251709313347},{"text":"I was, oh, that's so cute.","start":474.85,"end":476.255,"sentiment":"neutral","sentiment_score":0.03569852626727273},{"text":"No.","start":476.715,"end":476.875,"sentiment":"neutral","sentiment_score":-0.07063660025596619}],"sentiment":"neutral","sentiment_score":0.06707328488921811,"num_words":29,"start":466.13,"end":476.875},{"sentences":[{"text":"That's fine.","start":476.875,"end":477.775,"sentiment":"neutral","sentiment_score":0.0033369245938956738},{"text":"I was just some interesting notes.","start":478.95502,"end":480.315,"sentiment":"neutral","sentiment_score":-0.02295902247230212},{"text":"I was like, I'm surely that's a that's an animal in the background.","start":480.315,"end":484.495,"sentiment":"neutral","sentiment_score":-0.06261984058297597},{"text":"Yeah.","start":485.995,"end":486.495,"sentiment":"neutral","sentiment_score":-0.043283164501190186},{"text":"No.","start":487.115,"end":487.435,"sentiment":"neutral","sentiment_score":-0.09570473432540894}],"sentiment":"neutral","sentiment_score":-0.047135917915274265,"num_words":23,"start":476.875,"end":487.435},{"sentences":[{"text":"That's okay.","start":487.435,"end":488.335,"sentiment":"neutral","sentiment_score":-0.028642606921494007},{"text":"Now here, Connie, I have this outline, the changes.","start":489.355,"end":492.25,"sentiment":"neutral","sentiment_score":0.01998136451260911},{"text":"So what you see in red, the only reason it's red, it's just because we are swapping them out.","start":492.25,"end":497.44998,"sentiment":"neutral","sentiment_score":-0.024081278641365077},{"text":"It's not that they're negative or anything like that.","start":497.44998,"end":499.61,"sentiment":"neutral","sentiment_score":-0.07995003627406226},{"text":"It is just because we are selling them.","start":499.61,"end":501.28998,"sentiment":"neutral","sentiment_score":-0.0632964710239321}],"sentiment":"neutral","sentiment_score":-0.03321104940581829,"num_words":47,"start":487.435,"end":501.28998},{"sentences":[{"text":"So sometimes people think red and they think it's down.","start":501.28998,"end":503.61,"sentiment":"neutral","sentiment_score":-0.1458963856101036},{"text":"No.","start":503.61,"end":503.84998,"sentiment":"neutral","sentiment_score":-0.190569669008255},{"text":"That's not it.","start":503.84998,"end":504.615,"sentiment":"neutral","sentiment_score":-0.15141345063845316},{"text":"It is just we are changing it.","start":504.69498,"end":506.29498,"sentiment":"neutral","sentiment_score":-0.05725867194788797},{"text":"So that's just showing what we are selling and swapping the investment.","start":506.29498,"end":509.435,"sentiment":"neutral","sentiment_score":-0.04362809572679301}],"sentiment":"neutral","sentiment_score":-0.09176126452670856,"num_words":33,"start":501.28998,"end":509.435},{"sentences":[{"text":"Yep.","start":511.495,"end":511.995,"sentiment":"neutral","sentiment_score":-0.040449611842632294},{"text":"Sorry.","start":512.055,"end":512.555,"sentiment":"neutral","sentiment_score":-0.11303959786891936},{"text":"As you can see, if we look at the top one that's been along Australian, that's the one we wanted to move out of.","start":513.015,"end":518.875,"sentiment":"neutral","sentiment_score":-0.13056095720579228},{"text":"So as you can see, we are completely selling out of that one.","start":518.94,"end":522.4,"sentiment":"neutral","sentiment_score":-0.2418049665597769},{"text":"And instead, we have included some other options for you, which I will kind of go through as as we come down here.","start":523.02,"end":533.76,"sentiment":"neutral","sentiment_score":0.018767753049083378}],"sentiment":"neutral","sentiment_score":-0.09675416819030239,"num_words":62,"start":511.495,"end":533.76},{"sentences":[{"text":"Now kind of the the the closest lock for lock that we have included is on page 17.","start":534.825,"end":540.605,"sentiment":"neutral","sentiment_score":0.017749102915533714},{"text":"It is a little bit broken because it's a longer table, but it's the one where it says the beta shares Australia 200.","start":540.665,"end":546.285,"sentiment":"neutral","sentiment_score":-0.006631609376357949},{"text":"Can you see where I'm at at the moment?","start":546.69,"end":548.95,"sentiment":"neutral","sentiment_score":0.005720372415251202},{"text":"Yep.","start":549.01,"end":549.51,"sentiment":"neutral","sentiment_score":0.04972085356712341},{"text":"So this is the one that we have replaced because if we are changing your Australian investment, we wanna kind of include it with a similar one.","start":550.05,"end":559.035,"sentiment":"neutral","sentiment_score":0.09161681226558155}],"sentiment":"neutral","sentiment_score":0.03515147401664693,"num_words":78,"start":534.825,"end":559.035},{"sentences":[{"text":"So, again, yeah, it's focusing on the 200 largest companies in Australia.","start":559.995,"end":565.615,"sentiment":"neutral","sentiment_score":0.0974236000329256},{"text":"So you will have, you know, Commonwealth and BHT and Woolworths, all the big companies.","start":566.07495,"end":571.375,"sentiment":"neutral","sentiment_score":0.2613021910190582},{"text":"And this one here was a bit cheaper than the Benelon, which is why you could also see some of those investment fees being a little bit cheaper.","start":572.01,"end":578.35004,"sentiment":"positive","sentiment_score":0.413122862045254},{"text":"And more recently, they have performed a little bit better as well, which is good.","start":579.13,"end":582.75,"sentiment":"positive","sentiment_score":0.5673544843991597},{"text":"Yeah.","start":584.105,"end":584.605,"sentiment":"positive","sentiment_score":0.39274635910987854}],"sentiment":"positive","sentiment_score":0.3599876032119066,"num_words":71,"start":559.995,"end":584.605},{"sentences":[{"text":"Yeah.","start":585.785,"end":586.285,"sentiment":"neutral","sentiment_score":0.18064916133880615},{"text":"Yeah.","start":587.545,"end":588.02496,"sentiment":"neutral","sentiment_score":0.08341261744499207},{"text":"So the target way is the the asset allocation through the portfolio of how we wanna structure it.","start":588.02496,"end":595.86,"sentiment":"neutral","sentiment_score":0.09526251090897454},{"text":"We are then swapping out of some of the other investments.","start":596.82,"end":600.92,"sentiment":"neutral","sentiment_score":0.07080583748492328},{"text":"So the other ones we are changing, it is just your health care and JPMorgan and the the roughly Australian.","start":601.06,"end":609.88,"sentiment":"neutral","sentiment_score":0.07807403337210417}],"sentiment":"neutral","sentiment_score":0.08468885990042313,"num_words":51,"start":585.785,"end":609.88},{"sentences":[{"text":"And we are introducing an investment to Europe.","start":610.40497,"end":614.025,"sentiment":"neutral","sentiment_score":0.07664025202393532},{"text":"So that one includes a range of different companies in Europe.","start":614.485,"end":618.245,"sentiment":"neutral","sentiment_score":0.0756460777060552},{"text":"So you'll have mainly companies in, you know, The UK and Germany and France and Switzerland.","start":618.245,"end":623.785,"sentiment":"neutral","sentiment_score":0.05944985314272344},{"text":"And then you also have about 5% in Japan.","start":625.14,"end":628.83997,"sentiment":"neutral","sentiment_score":0.10222718699110879},{"text":"A lot of opportunities in this space, so we've kind of swapped the one of the investments of the India for Japan for you.","start":629.62,"end":638.295,"sentiment":"neutral","sentiment_score":0.11597033434857924}],"sentiment":"neutral","sentiment_score":0.08970234159599333,"num_words":68,"start":610.40497,"end":638.295},{"sentences":[{"text":"And then we also have 8% in one investment that just have companies around the globe.","start":639.495,"end":645.595,"sentiment":"neutral","sentiment_score":0.08153203944675624},{"text":"So, basically, all around the world, but it is excluding The US because you do have that exposure already in another investment.","start":645.89496,"end":653.435,"sentiment":"neutral","sentiment_score":0.04467123162678697},{"text":"And we wanna make sure we don't put too much into one area or industry.","start":654.06995,"end":657.82996,"sentiment":"neutral","sentiment_score":0.025433852771917977},{"text":"We do wanna diversify things forward.","start":657.82996,"end":660.08997,"sentiment":"neutral","sentiment_score":0.18238639955719313},{"text":"Yeah.","start":660.47,"end":660.97,"sentiment":"neutral","sentiment_score":0.27099570631980896}],"sentiment":"neutral","sentiment_score":0.06723502703631917,"num_words":60,"start":639.495,"end":660.97},{"sentences":[{"text":"We are done just swapping as well one of the fixed interest option for a very similar one.","start":661.91,"end":667.44995,"sentiment":"neutral","sentiment_score":0.1337999262743526},{"text":"Again, just a little bit cheaper and has performed a little bit better.","start":667.70496,"end":671.225,"sentiment":"neutral","sentiment_score":0.21770726029689497},{"text":"Otherwise, very similar.","start":671.225,"end":672.845,"sentiment":"neutral","sentiment_score":0.21246903638044992},{"text":"And some of the other ones we are keeping, we are keeping gold in your portfolio, just rebalancing it.","start":674.185,"end":679.545,"sentiment":"positive","sentiment_score":0.4053547523523632},{"text":"It's done really well.","start":679.545,"end":680.76495,"sentiment":"positive","sentiment_score":0.670002356171608}],"sentiment":"neutral","sentiment_score":0.2852236821986081,"num_words":57,"start":661.91,"end":680.76495},{"sentences":[{"text":"So we keep we're keeping that one, yeah, in your your portfolio.","start":681.23004,"end":685.81,"sentiment":"neutral","sentiment_score":0.1480685044080019},{"text":"And that is essentially the changes.","start":687.15,"end":689.17004,"sentiment":"neutral","sentiment_score":0.15060839553674063},{"text":"So not massive changes, just swapping a couple out to kind of improve the returns a little bit and reduce those fees a little bit down for you.","start":689.31,"end":699.765,"sentiment":"neutral","sentiment_score":0.2968559581786394},{"text":"Yeah.","start":701.185,"end":701.66504,"sentiment":"positive","sentiment_score":0.3866197466850281},{"text":"Perfect.","start":701.66504,"end":702.145,"sentiment":"positive","sentiment_score":0.5731927752494812}],"sentiment":"neutral","sentiment_score":0.24900524535526833,"num_words":48,"start":681.23004,"end":702.145},{"sentences":[{"text":"Do you have any questions, Connie, or is it pretty straightforward?","start":702.145,"end":704.965,"sentiment":"neutral","sentiment_score":0.23526682366024365},{"text":"No?","start":706.78503,"end":707.28503,"sentiment":"neutral","sentiment_score":-0.14206147193908691},{"text":"Not good.","start":708.27,"end":709.09,"sentiment":"neutral","sentiment_score":-0.2810673341155052},{"text":"Now the last thing I do wanna highlight to you, it's just the remuneration again on the page 23.","start":709.95,"end":717.17,"sentiment":"neutral","sentiment_score":0.07571343999159963},{"text":"Yeah.","start":718.67,"end":719.17,"sentiment":"neutral","sentiment_score":0.0463002473115921}],"sentiment":"neutral","sentiment_score":0.09907630962484024,"num_words":34,"start":702.145,"end":719.17},{"sentences":[{"text":"Sorry.","start":719.23,"end":719.73,"sentiment":"neutral","sentiment_score":0.015582527965307236},{"text":"No changes whatsoever in regards to the fee.","start":719.95,"end":723.985,"sentiment":"neutral","sentiment_score":0.01819704147055745},{"text":"So if you are yeah.","start":723.985,"end":725.265,"sentiment":"neutral","sentiment_score":0.14695436209440232},{"text":"So if you are happy to go ahead with the change today, there is no additional fees or charges or anything like that.","start":725.265,"end":732.565,"sentiment":"neutral","sentiment_score":0.29119013314661774},{"text":"That is all part of the ongoing advice fee that you already paid from super, which is just that 1.65.","start":732.625,"end":739.6,"sentiment":"neutral","sentiment_score":0.27459361776709557}],"sentiment":"neutral","sentiment_score":0.22956449277045435,"num_words":57,"start":719.23,"end":739.6},{"sentences":[{"text":"So that factors in all of this.","start":739.81995,"end":741.25995,"sentiment":"neutral","sentiment_score":0.29391429466860636},{"text":"So there's no additional fees or charges or anything like that if you wanted to go ahead with the change.","start":741.25995,"end":745.92,"sentiment":"neutral","sentiment_score":0.2977376990020275},{"text":"It's all part of the service for you, Connie.","start":746.13995,"end":748.56,"sentiment":"neutral","sentiment_score":0.32649409770965576},{"text":"Yeah.","start":749.115,"end":749.615,"sentiment":"neutral","sentiment_score":0.19296088814735413},{"text":"Perfect.","start":750.71497,"end":751.21497,"sentiment":"positive","sentiment_score":0.645147442817688}],"sentiment":"neutral","sentiment_score":0.31022919087033524,"num_words":38,"start":739.81995,"end":751.21497},{"sentences":[{"text":"Now that was essentially what I needed to go through today.","start":751.595,"end":755.035,"sentiment":"positive","sentiment_score":0.4350480789488012},{"text":"So pretty quick and easy.","start":755.035,"end":756.65497,"sentiment":"positive","sentiment_score":0.625061309337616},{"text":"Now for your reference as well in the email so before you click on the link, if you later wanna go and have a read over it, I have included the appendix again.","start":757.115,"end":766.69,"sentiment":"neutral","sentiment_score":0.21064150017319302},{"text":"So that's where all those investment links and research is.","start":766.69,"end":769.65,"sentiment":"neutral","sentiment_score":0.21921428442001342},{"text":"So if it is that you do wanna read up on it a bit more, it's all in there for you.","start":769.65,"end":774.31,"sentiment":"neutral","sentiment_score":0.2432997886623655}],"sentiment":"neutral","sentiment_score":0.2770430415868759,"num_words":80,"start":751.595,"end":774.31},{"sentences":[{"text":"Yep.","start":776.45,"end":776.95,"sentiment":"neutral","sentiment_score":0.250239759683609},{"text":"Perfect.","start":777.965,"end":778.36505,"sentiment":"neutral","sentiment_score":0.11195087432861328},{"text":"So, essentially, from here is if you are happy to go ahead with the change, Connie, I will just need you to sign the document.","start":778.36505,"end":785.825,"sentiment":"neutral","sentiment_score":0.2934612762928009},{"text":"It will then come through to me, and I can get the team to make that change.","start":787.645,"end":793.265,"sentiment":"neutral","sentiment_score":0.29864498271661644},{"text":"But if you wanted to take some time and read over as well, that's also perfectly fine.","start":793.52997,"end":798.11,"sentiment":"neutral","sentiment_score":0.2836585193872452}],"sentiment":"neutral","sentiment_score":0.2884898701163589,"num_words":61,"start":776.45,"end":798.11},{"sentences":[{"text":"Oh, perfect.","start":801.85,"end":802.67,"sentiment":"positive","sentiment_score":0.5833543241024017},{"text":"Then I can get the team on that right away, and we can go ahead and make this change for you.","start":802.73,"end":807.63,"sentiment":"positive","sentiment_score":0.5784828762213389},{"text":"Perfect.","start":808.955,"end":809.455,"sentiment":"positive","sentiment_score":0.5054011940956116},{"text":"I'll wait for that to come through.","start":810.15497,"end":811.355,"sentiment":"positive","sentiment_score":0.3448456568377359},{"text":"Sometimes it takes a little bit to come through.","start":811.355,"end":813.855,"sentiment":"neutral","sentiment_score":0.13236332105265725}],"sentiment":"positive","sentiment_score":0.43563599325716496,"num_words":40,"start":801.85,"end":813.855},{"sentences":[{"text":"If you do have any issues signing it, let me know.","start":814.315,"end":816.635,"sentiment":"neutral","sentiment_score":0.052773466164415535},{"text":"But, otherwise, I will just refresh my my page in a couple of minutes and see if it's come through, and we can get that all sorted for you.","start":816.635,"end":824.02997,"sentiment":"neutral","sentiment_score":0.32556410647671796},{"text":"And I will let you go, and, hopefully, you'll be able to get, a little nap or something through in the afternoon.","start":824.02997,"end":829.14996,"sentiment":"positive","sentiment_score":0.42822814800522546},{"text":"But do you have any other questions for me before I let you go today?","start":829.14996,"end":832.20996,"sentiment":"neutral","sentiment_score":0.10037459184726079},{"text":"No?","start":833.79,"end":834.29,"sentiment":"neutral","sentiment_score":-0.11607912182807922}],"sentiment":"neutral","sentiment_score":0.2670823875337075,"num_words":78,"start":814.315,"end":834.29},{"sentences":[{"text":"That's good.","start":834.83,"end":835.64996,"sentiment":"positive","sentiment_score":0.48549775779247284},{"text":"Perfect.","start":835.805,"end":836.20496,"sentiment":"positive","sentiment_score":0.5675766468048096},{"text":"Well, if you do think of anything or if there's anything else that you need, you know, you have you my email or otherwise, just give the office a call, or we can always book you in for a bit of a catch up.","start":836.20496,"end":845.58496,"sentiment":"neutral","sentiment_score":0.193233404985883},{"text":"Perfect.","start":854.61,"end":855.01,"sentiment":"neutral","sentiment_score":0.2271769642829895},{"text":"What does it say for you?","start":855.01,"end":856.79,"sentiment":"neutral","sentiment_score":0.07646062100927035}],"sentiment":"neutral","sentiment_score":0.1986441235575411,"num_words":54,"start":834.83,"end":856.79},{"sentences":[{"text":"Yes.","start":859.89,"end":860.21,"sentiment":"neutral","sentiment_score":0.05325895920395851},{"text":"You can just you can just put NA.","start":860.21,"end":862.275,"sentiment":"neutral","sentiment_score":0.05490427650511265},{"text":"That is if you wanted to make a variation to it.","start":862.335,"end":866.015,"sentiment":"neutral","sentiment_score":0.05811854790557514},{"text":"You could type in, I don't want this, so I would like this instead.","start":866.015,"end":870.03503,"sentiment":"neutral","sentiment_score":0.01593176052639527},{"text":"But if there's no changes, then you can just type, like, NA or no changes.","start":871.775,"end":876.03503,"sentiment":"neutral","sentiment_score":0.022734971592823665}],"sentiment":"neutral","sentiment_score":0.034609518764654595,"num_words":49,"start":859.89,"end":876.03503},{"sentences":[{"text":"Yeah.","start":876.57996,"end":877.07996,"sentiment":"neutral","sentiment_score":0.16829973459243774},{"text":"Then it should just be signature and date for you.","start":878.5,"end":881.32,"sentiment":"neutral","sentiment_score":0.1644779250025749},{"text":"Yep.","start":882.18,"end":882.66,"sentiment":"neutral","sentiment_score":0.08491881936788559},{"text":"That's great.","start":882.66,"end":885.13995,"sentiment":"neutral","sentiment_score":0.3105262443423271},{"text":"Perfect.","start":885.13995,"end":885.63995,"sentiment":"positive","sentiment_score":0.46208375692367554}],"sentiment":"neutral","sentiment_score":0.19874226997296016,"num_words":15,"start":876.57996,"end":885.63995},{"sentences":[{"text":"Well, I will let you go, Connie.","start":885.94,"end":887.72,"sentiment":"neutral","sentiment_score":0.22278555163315364},{"text":"Like I said, you have my email.","start":887.77997,"end":889.315,"sentiment":"neutral","sentiment_score":0.1007615572639874},{"text":"Give me a call if you need anything, and, otherwise, I look forward to speaking with you soon again.","start":889.315,"end":893.415,"sentiment":"positive","sentiment_score":0.4238467843909013},{"text":"Mhmm.","start":895.315,"end":895.715,"sentiment":"positive","sentiment_score":0.4469778537750244},{"text":"No problem.","start":895.715,"end":896.375,"sentiment":"positive","sentiment_score":0.4615492671728134}],"sentiment":"neutral","sentiment_score":0.3246665292729934,"num_words":36,"start":885.94,"end":896.375},{"sentences":[{"text":"You too, Connie.","start":897.875,"end":898.755,"sentiment":"positive","sentiment_score":0.3968122998873393},{"text":"We'll speak soon.","start":898.755,"end":899.65497,"sentiment":"neutral","sentiment_score":0.17808821300665537},{"text":"Okay.","start":900.755,"end":901.255,"sentiment":"positive","sentiment_score":0.4481881260871887},{"text":"Bye.","start":901.875,"end":902.375,"sentiment":"neutral","sentiment_score":-0.12797337770462036}],"sentiment":"neutral","sentiment_score":0.25561453588306904,"num_words":8,"start":897.875,"end":902.375}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. How are you? Good. Not too bad. Thank you. No. I finished this morning. My shift. Not yet. Okay. Yeah. Yep. Yeah. Yep. And I'll tell you, my name is Chenka in second January seventy four. '20 5 Colling Grove Circus, Pimpama, Queensland. No worries. Yep. Oh, so you just want me to sign it? Okay. Which link? Yeah. Oh, yes. Same in the yep. Yep. Yep. Got it. Yep. Mhmm. Mhmm. Yep. Yep. 19. Yep. Yes. Yep. Yep. Very high. Oh, okay. Yeah. Yeah. It is. Yes. Yes. Yeah. Yeah. That's good. That's good. Yep. Yep. Yeah. Yeah. I know. Impressive. Yep. Oh, okay. Go ahead. No. Yep. Good. Oh, yeah. Yep. Yep. Yep. Yep. Uh-huh. Sorry. Yeah. That's not me for sure. Yeah. Oh. Oh, okay. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. The return is good too. The Target balance. Yep. Yep. Yep. Yes. Yep. Yep. Yeah. That's good. That's good. Yep. Yep. Yeah. Of course. Yep. I'm happy. No. I'm very good with the table. Yep. Yep. Oh, okay. Yep. Okay. Cool. Yep. That sounds good. No. I'm actually signing it. Yep. Cool. No. I'm I'm happy. Yep. Yeah. The only thing I stuck here is page 26. The text box. Yep. Yep. Yep. All good. Yep. Done it. It's just sending. Yep. No worries. Me too. Thank you. Have a good good day. Alright. Yep. See you. Thank you. 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I'm good. How are you? Good. Not too bad.\n\nThank you. No. I finished this morning. My shift. Not yet.\n\nOkay. Yeah. Yep. Yeah. Yep.\n\nAnd I'll tell you, my name is Chenka in second January seventy four. '20 5 Colling Grove Circus, Pimpama, Queensland. No worries. Yep. Oh, so you just want me to sign it?\n\nOkay. Which link? Yeah. Oh, yes. Same in the yep.\n\nYep. Yep. Got it. Yep. Mhmm.\n\nMhmm. Yep. Yep. 19. Yep.\n\nYes. Yep. Yep. Very high. Oh, okay.\n\nYeah. Yeah. It is. Yes. Yes.\n\nYeah. Yeah. That's good. That's good. Yep.\n\nYep. Yeah. Yeah. I know. Impressive.\n\nYep. Oh, okay. Go ahead. No. Yep.\n\nGood. Oh, yeah. Yep. Yep. Yep.\n\nYep. Uh-huh. Sorry. Yeah. That's not me for sure.\n\nYeah. Oh. Oh, okay. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nThe return is good too. The Target balance. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yeah. That's good.\n\nThat's good. Yep. Yep. Yeah. Of course.\n\nYep. I'm happy. No. I'm very good with the table. Yep.\n\nYep. Oh, okay. Yep. Okay. 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This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm good. Thanks. How's\n\nChannel 1: Good.\n\nChannel 0: your day been?\n\nChannel 1: Not too bad. Thank you.\n\nChannel 0: That's good. How's the day off today?\n\nChannel 1: No. I finished this morning. My shift.\n\nChannel 0: Did you get some sleep at least?\n\nChannel 1: Not yet.\n\nChannel 0: Okay. Well, I will try not to keep you for too long so you can get to it.\n\nChannel 1: Okay.\n\nChannel 0: It is a pretty quick one today. Basically, just running over the recommendation after I did a bit of research on your investment. Do you\n\nChannel 1: Yeah.\n\nChannel 0: kind of remember that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now just like usual, before I do go any further, just need to let you know\n\nChannel 1: Yeah.\n\nChannel 0: that calls, yeah, are recorded. That's okay?\n\nChannel 1: Yep. And I'll tell you, my name is Chenka in second January seventy four. '20\n\nChannel 0: Yes.\n\nChannel 1: 5 Colling Grove Circus, Pimpama, Queensland.\n\nChannel 0: Amazing. Thank you so much.\n\nChannel 1: No worries.\n\nChannel 0: Now I have to send you an email. Do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. Now let me know when that comes through. And sometimes it does end up in the spam folder as well. Nothing yet.\n\nChannel 1: Oh, so you just want me to sign it?\n\nChannel 0: I'll just quickly go through them with you first just to make sure you're happy with it\n\nChannel 1: Okay.\n\nChannel 0: before I get you to sign anything. Now if you can click on the link for me, Connie, you should see the document where it says statement of the device. Same cover page. Can you see that?\n\nChannel 1: Which link?\n\nChannel 0: So in the email, if you click on it where it says sign now, it would actually allow you to open up the document first before it prompts you to sign anything.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have a dog or a cat\n\nChannel 1: Oh,\n\nChannel 0: close\n\nChannel 1: yes.\n\nChannel 0: by?\n\nChannel 1: Same in the yep. Yep. Yep. Got\n\nChannel 0: Perfect. Sorry. If you can click on that one for me.\n\nChannel 1: it. Yep.\n\nChannel 0: Now because you obviously have gone through this drill before, I'll try to make it quick for you. But just like usual, obviously, everything that we have recommended, it is tailored to you. Again,\n\nChannel 1: Mhmm.\n\nChannel 0: underneath it, you can see my details there\n\nChannel 1: Mhmm.\n\nChannel 0: and, obviously, all our contact details. Same as last time, we are bound by the best interest duty. Again, on the second page, always making sure that everything that we do recommend puts you in a better position and always take your best interest before anything else.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now if you can kind of just scroll through for me there, Connie, you will see that the only thing we're kind of focusing today is just your superannuation. Just reviewing your investments to see if we could make any changes to improve some of the investment. Obviously, with everything going on in the world, not making any changes to your insurances, they're still very affordable and tailored to you. So it's literally just your superannuation today.\n\nSo pretty\n\nChannel 1: Yep.\n\nChannel 0: straightforward. Now if you can scroll down for me. Let me see here. Through page 19.\n\nChannel 1: 19. Yep.\n\nChannel 0: Can you see where it says see comparison table? Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So you can see here that I have recommended that you stay in hub 24.\n\nChannel 1: Yep.\n\nChannel 0: It's still really good for you. There's no reason to change it. Has all the options of all the investments and everything like that. So the only thing we're doing is literally just changing a couple of your investments. So you can see here that by making the change in the investments alone, on the column where it says investment fees,\n\nChannel 1: Yep. Very\n\nChannel 0: it's actually\n\nChannel 1: high.\n\nChannel 0: make it's making it a bit cheaper for you. So for the recommended by swapping out, and one of those was that Ben along the the managed fund, which was a little bit more expensive. And, typically, it is to try to outperform the market, the lack we touched on last time. Because they hadn't really outperformed lately, there's no point paying more fees if you're not getting more returns for it.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. So the new portfolio making those changes is a bit cheaper. So you can see that on a yearly, it's saving about $498\n\nChannel 1: Yeah.\n\nChannel 0: in investment fees, which which is pretty big.\n\nChannel 1: Yeah. It\n\nChannel 0: And\n\nChannel 1: is.\n\nChannel 0: we're not yeah. And we're also not changing your risk. So we're still keeping you in a growth portfolio, still trying to grow that super as much as possible, still have about the same 80 20 allocation to your growth and your defensive. So that's literally just by swapping some of the investments out. And you can also see that from the return, which is at the bottom of that, you\n\nChannel 1: Yes.\n\nChannel 0: can see that the the recommended has performed a little bit better as well, which is great.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: So the old one was still doing good, but then the the new one has done a little bit better. And that's why the annual reviews are so good and important because there's always things changing in in the world and in the market all the time. So it is important to review this because there's potentially tweaks and changes that we can make for you and always make sure we have you in the best position possible for you.\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yep.\n\nChannel 1: That's good.\n\nChannel 0: Now by making this change, there won't be any fees, so there won't be any capital gains tax or anything like that, which is great. So that's basically kind of this page here. So no changes really aside from improving the returns a little bit and reducing the fees, which is great. So\n\nChannel 1: Yep.\n\nChannel 0: if you scroll down one page from your page 20,\n\nChannel 1: Yep.\n\nChannel 0: you can then actually see that five and ten year projection a bit of updated for you again,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: which does make a big difference when you are kind of compounding everything for you.\n\nChannel 1: I know. Impressive.\n\nChannel 0: Yeah. Yeah. And underneath that, you can see then the returns. You can see\n\nChannel 1: Yep.\n\nChannel 0: the twelve month, three years, and then five years in their their recommended portfolio. The current one, some of the investments didn't have five years, so that's why it's just left blank\n\nChannel 1: Oh, okay.\n\nChannel 0: for you.\n\nChannel 1: Go\n\nChannel 0: Any\n\nChannel 1: ahead.\n\nChannel 0: questions so far? Oh, that's\n\nChannel 1: No.\n\nChannel 0: pretty straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Good.\n\nChannel 0: Now if you wanna scroll up for me to page 16, I just wanna quickly highlight some of the changes that I'm making to the investment.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah. Sorry. Can you see that table?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Do you have a a dog or a cat close to you, Connie? That's\n\nChannel 1: Yep.\n\nChannel 0: having a bit of a sleep at\n\nChannel 1: Yep.\n\nChannel 0: the moment? That's so funny. My dog does exactly the same.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Uh-huh.\n\nChannel 0: I ever work work from home, she's under my desk, snoring away. I was, oh, that's\n\nChannel 1: Sorry.\n\nChannel 0: so cute. No. That's fine. I was just some interesting notes. I was like, I'm surely that's a that's an animal in the\n\nChannel 1: Yeah.\n\nChannel 0: background.\n\nChannel 1: That's not me for sure.\n\nChannel 0: Yeah. No. That's okay. Now here, Connie, I have this outline, the changes. So what you see in red, the\n\nChannel 1: Yeah.\n\nChannel 0: only reason it's red, it's just because we are swapping them out. It's not that they're negative or anything like that. It is\n\nChannel 1: Oh.\n\nChannel 0: just because we are selling them. So sometimes people think red and they think it's down. No. That's not it. It is just we are changing it.\n\nSo that's just showing what we are selling and swapping the investment.\n\nChannel 1: Oh, okay. Yeah.\n\nChannel 0: Yep. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: As you can see, if we look at the top one that's been along Australian, that's the one we wanted to move out of. So as you can see, we are completely selling out of that one. And instead, we have included some other options for you, which I will kind of go through as as we come down here. Now kind of the the the closest lock for lock that we have included is on page 17. It is a little bit broken because it's a longer table, but it's the one where it says the beta shares Australia 200.\n\nCan you see where I'm at\n\nChannel 1: Yep.\n\nChannel 0: at\n\nChannel 1: Yep.\n\nChannel 0: the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this is the one that we have replaced because if we are changing your Australian investment, we wanna kind of include it with a similar one. So, again, yeah, it's focusing on the 200 largest companies in Australia. So\n\nChannel 1: Yep.\n\nChannel 0: you will have, you know, Commonwealth and BHT and Woolworths, all the big companies. And this one here was a bit cheaper than the Benelon, which is why you could also see some of those investment fees being a little bit cheaper. And more recently, they have performed a little bit better as well, which is good.\n\nChannel 1: Yeah. The\n\nChannel 0: Yeah.\n\nChannel 1: return is good too. The\n\nChannel 0: Yeah.\n\nChannel 1: Target balance.\n\nChannel 0: Yeah. So the target way is the the asset allocation through the portfolio\n\nChannel 1: Yep.\n\nChannel 0: of how we wanna structure it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We are then swapping out of some of the other investments. So the other ones we are changing, it is just your health care and JPMorgan and the the roughly Australian. And we are introducing an investment to Europe. So that one includes a range of different companies in Europe. So you'll have mainly companies in, you know, The UK and Germany and France\n\nChannel 1: Yes.\n\nChannel 0: and Switzerland.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have about 5% in Japan. A lot of opportunities in this space, so we've kind of swapped the one of the investments of the India for Japan for you.\n\nChannel 1: Yep.\n\nChannel 0: And then we also have 8% in one investment that just have companies around the globe. So, basically, all around the world, but it is excluding The US because you do have that exposure already in another investment. And\n\nChannel 1: Yeah.\n\nChannel 0: we wanna make sure we don't put too much into one area\n\nChannel 1: That's\n\nChannel 0: or industry. We do wanna diversify things forward.\n\nChannel 1: good. That's\n\nChannel 0: Yeah.\n\nChannel 1: good. Yep.\n\nChannel 0: We are done just swapping as well one of the fixed interest option for a very similar one. Again, just a little bit cheaper and has performed a little bit better. Otherwise, very similar.\n\nChannel 1: Yep.\n\nChannel 0: And some of the other ones we are keeping, we are keeping gold in your portfolio, just rebalancing it. It's done really well.\n\nChannel 1: Yeah.\n\nChannel 0: So we keep\n\nChannel 1: Of course.\n\nChannel 0: we're keeping that one, yeah,\n\nChannel 1: Yep.\n\nChannel 0: in your your portfolio. And that is essentially the changes. So not massive changes, just swapping a couple out to kind of improve the returns a little bit and reduce those fees a little bit down for you.\n\nChannel 1: I'm happy.\n\nChannel 0: Yeah. Perfect. Do you have any questions, Connie, or is it pretty straightforward?\n\nChannel 1: No. I'm very good with\n\nChannel 0: No?\n\nChannel 1: the table.\n\nChannel 0: Not good.\n\nChannel 1: Yep.\n\nChannel 0: Now the last thing I do wanna highlight to you, it's just the remuneration again on the page 23. Yeah. Sorry. No changes whatsoever in regards\n\nChannel 1: Yep.\n\nChannel 0: to the fee.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: okay.\n\nChannel 0: if you are yeah. So if you are happy to go ahead with the change today, there is no additional fees or charges or anything like that. That is all part of the ongoing advice fee that you already paid from super, which is just that 1.65. So\n\nChannel 1: Yep.\n\nChannel 0: that factors in all of this. So there's no additional fees or charges or anything like that if you wanted to go ahead with the change. It's all part of the service for you, Connie. Yeah.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Perfect. Now that was essentially what I needed to go through today. So pretty quick and easy. Now for your reference as well in the email so before you click on the link, if you later wanna go and have a read over it, I have included the appendix again. So that's where all those investment links and research is.\n\nSo if it is that you do wanna read up on it a bit more, it's all in there for you.\n\nChannel 1: Yep. That\n\nChannel 0: Yep.\n\nChannel 1: sounds good.\n\nChannel 0: Perfect. So, essentially, from here is if you are happy to go ahead with the change, Connie, I will just need you to sign the document. It will then come through to me, and I can get the team to make that change. But if you wanted to take some time and read over as well, that's also perfectly fine.\n\nChannel 1: No. I'm actually signing it.\n\nChannel 0: Oh, perfect. Then I can get the team on that right away, and we can go ahead and make this change for you.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I'll wait for that to come through. Sometimes it takes a little bit to come through. If you do have any issues signing it, let me know. But, otherwise, I will just refresh my my page in a couple of\n\nChannel 1: Cool.\n\nChannel 0: minutes and see if it's come through, and we can get that all sorted for you. And I will let you go, and, hopefully, you'll be able to get, a little nap or something through in the afternoon. But do you have any other questions for me before I let you go today?\n\nChannel 1: No. I'm I'm\n\nChannel 0: No?\n\nChannel 1: happy. Yep.\n\nChannel 0: That's good. Perfect. Well, if you do think of anything or if there's anything else that you need, you know, you have you my email or otherwise, just give the office a call, or we can always book you in for a bit of a catch up.\n\nChannel 1: Yeah. The only thing I stuck here is page 26.\n\nChannel 0: Perfect. What does it say for you?\n\nChannel 1: The text box.\n\nChannel 0: Yes. You can just you can just put NA. That is if you wanted to make a variation to it. You could type in, I don't want this, so I would like this instead. But if there's no changes, then you can just type, like, NA or\n\nChannel 1: Yep.\n\nChannel 0: no changes.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: All good.\n\nChannel 0: Then it should just be signature and date for you.\n\nChannel 1: Yep. Done\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: That's\n\nChannel 1: It's just sending.\n\nChannel 0: great. Perfect. Well, I will let you go, Connie. Like I said, you have my email. Give me a call if you need anything, and, otherwise, I look forward to speaking with you soon again.\n\nChannel 1: Yep. No worries. Me too. Thank\n\nChannel 0: Mhmm.\n\nChannel 1: you.\n\nChannel 0: No\n\nChannel 1: Have\n\nChannel 0: problem.\n\nChannel 1: a good good day.\n\nChannel 0: You too, Connie. We'll speak\n\nChannel 1: Alright.\n\nChannel 0: soon.\n\nChannel 1: Yep. See you. Thank\n\nChannel 0: Okay.\n\nChannel 1: you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.05003170669078827}],"sentiment":"neutral","sentiment_score":0.05003170669078827,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Good afternoon, Connie.","start":2.48,"end":3.6,"sentiment":"neutral","sentiment_score":0.3207905789216359},{"text":"This is Veronica from Financial.","start":3.6,"end":5.06,"sentiment":"neutral","sentiment_score":0.24605847895145416},{"text":"How are you?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.21721436083316803}],"sentiment":"neutral","sentiment_score":0.25857338309288025,"channel":0,"num_words":11,"start":2.48,"end":6.3399997},{"sentences":[{"text":"I'm good.","start":6.3999996,"end":6.8799996,"sentiment":"positive","sentiment_score":0.49394509196281433},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"positive","sentiment_score":0.35723703106244403}],"sentiment":"positive","sentiment_score":0.41192025542259214,"channel":1,"num_words":5,"start":6.3999996,"end":7.7},{"sentences":[{"text":"I'm good.","start":7.8399997,"end":8.559999,"sentiment":"positive","sentiment_score":0.5049005746841431},{"text":"Thanks.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.5829511880874634},{"text":"How's","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.41437017917633057}],"sentiment":"positive","sentiment_score":0.50178062915802,"channel":0,"num_words":4,"start":7.8399997,"end":9.5199995},{"sentences":[{"text":"Good.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.479165256023407}],"sentiment":"positive","sentiment_score":0.479165256023407,"channel":1,"num_words":1,"start":9.5199995,"end":10.0199995},{"sentences":[{"text":"your day been?","start":9.5199995,"end":10.42,"sentiment":"positive","sentiment_score":0.3418760399023692}],"sentiment":"positive","sentiment_score":0.3418760399023692,"channel":0,"num_words":3,"start":9.5199995,"end":10.42},{"sentences":[{"text":"Not too bad.","start":11.12,"end":11.92,"sentiment":"neutral","sentiment_score":0.3150239686171214},{"text":"Thank you.","start":11.92,"end":12.74,"sentiment":"positive","sentiment_score":0.540954053401947}],"sentiment":"positive","sentiment_score":0.4053960025310516,"channel":1,"num_words":5,"start":11.12,"end":12.74},{"sentences":[{"text":"That's good.","start":12.815001,"end":13.295,"sentiment":"positive","sentiment_score":0.5694164633750916},{"text":"How's the day off today?","start":13.295,"end":14.515,"sentiment":"neutral","sentiment_score":0.23274531662464143}],"sentiment":"neutral","sentiment_score":0.32893707283905577,"channel":0,"num_words":7,"start":12.815001,"end":14.515},{"sentences":[{"text":"No.","start":14.934999,"end":15.255,"sentiment":"neutral","sentiment_score":-0.01511724293231964},{"text":"I finished this morning.","start":15.255,"end":16.455,"sentiment":"neutral","sentiment_score":0.020579485222697258},{"text":"My shift.","start":16.455,"end":17.195,"sentiment":"neutral","sentiment_score":0.0301060751080513}],"sentiment":"neutral","sentiment_score":0.018201835453510284,"channel":1,"num_words":7,"start":14.934999,"end":17.195},{"sentences":[{"text":"Did you get some sleep at least?","start":18.495,"end":20.275,"sentiment":"neutral","sentiment_score":0.026511457615665028}],"sentiment":"neutral","sentiment_score":0.026511457615665028,"channel":0,"num_words":7,"start":18.495,"end":20.275},{"sentences":[{"text":"Not yet.","start":20.615,"end":21.435,"sentiment":"neutral","sentiment_score":-0.06153223663568497}],"sentiment":"neutral","sentiment_score":-0.06153223663568497,"channel":1,"num_words":2,"start":20.615,"end":21.435},{"sentences":[{"text":"Okay.","start":21.615,"end":22.115,"sentiment":"neutral","sentiment_score":0.03646120056509971},{"text":"Well, I will try not to keep you for too long so you can get to it.","start":22.335,"end":25.875,"sentiment":"neutral","sentiment_score":0.03116941890295814}],"sentiment":"neutral","sentiment_score":0.031463406773077116,"channel":0,"num_words":18,"start":21.615,"end":25.875},{"sentences":[{"text":"Okay.","start":26.055,"end":26.555,"sentiment":"neutral","sentiment_score":0.13547752797603607}],"sentiment":"neutral","sentiment_score":0.13547752797603607,"channel":1,"num_words":1,"start":26.055,"end":26.555},{"sentences":[{"text":"It is a pretty quick one today.","start":27.055,"end":28.97,"sentiment":"neutral","sentiment_score":0.20579889842442103},{"text":"Basically, just running over the recommendation after I did a bit of research on your investment.","start":30.07,"end":35.93,"sentiment":"neutral","sentiment_score":0.10139119578525424},{"text":"Do you","start":36.309998,"end":36.71,"sentiment":"neutral","sentiment_score":0.029668697156012058}],"sentiment":"neutral","sentiment_score":0.12488755263388157,"channel":0,"num_words":25,"start":27.055,"end":36.71},{"sentences":[{"text":"Yeah.","start":36.65,"end":37.15,"sentiment":"neutral","sentiment_score":0.024928750470280647}],"sentiment":"neutral","sentiment_score":0.024928750470280647,"channel":1,"num_words":1,"start":36.65,"end":37.15},{"sentences":[{"text":"kind of remember that?","start":36.71,"end":37.85,"sentiment":"neutral","sentiment_score":0.017142487224191427}],"sentiment":"neutral","sentiment_score":0.017142487224191427,"channel":0,"num_words":4,"start":36.71,"end":37.85},{"sentences":[{"text":"Yep.","start":37.77,"end":38.27,"sentiment":"neutral","sentiment_score":0.05990558862686157}],"sentiment":"neutral","sentiment_score":0.05990558862686157,"channel":1,"num_words":1,"start":37.77,"end":38.27},{"sentences":[{"text":"Yep.","start":38.55,"end":39.03,"sentiment":"neutral","sentiment_score":0.13215026259422302},{"text":"Perfect.","start":39.03,"end":39.53,"sentiment":"positive","sentiment_score":0.3414037227630615},{"text":"Now just like usual, before I do go any further, just need to let you know","start":39.91,"end":44.505,"sentiment":"neutral","sentiment_score":0.07151669333688915}],"sentiment":"neutral","sentiment_score":0.08987894881930616,"channel":0,"num_words":18,"start":38.55,"end":44.505},{"sentences":[{"text":"Yeah.","start":44.454998,"end":44.954998,"sentiment":"neutral","sentiment_score":0.04490142315626144}],"sentiment":"neutral","sentiment_score":0.04490142315626144,"channel":1,"num_words":1,"start":44.454998,"end":44.954998},{"sentences":[{"text":"that calls, yeah, are recorded.","start":44.645,"end":46.725,"sentiment":"neutral","sentiment_score":0.01915236432105303},{"text":"That's okay?","start":46.725,"end":47.465,"sentiment":"neutral","sentiment_score":0.05713424272835255}],"sentiment":"neutral","sentiment_score":0.03000432958028146,"channel":0,"num_words":7,"start":44.645,"end":47.465},{"sentences":[{"text":"Yep.","start":47.495,"end":47.975,"sentiment":"neutral","sentiment_score":0.04805783182382584},{"text":"And I'll tell you, my name is Chenka in second January seventy four.","start":47.975,"end":52.475,"sentiment":"neutral","sentiment_score":0.041596510949043125},{"text":"'20","start":52.774998,"end":53.175,"sentiment":"neutral","sentiment_score":0.01822061277925968}],"sentiment":"neutral","sentiment_score":0.04046887246270974,"channel":1,"num_words":15,"start":47.495,"end":53.175},{"sentences":[{"text":"Yes.","start":52.98,"end":53.48,"sentiment":"neutral","sentiment_score":0.0268094465136528}],"sentiment":"neutral","sentiment_score":0.0268094465136528,"channel":0,"num_words":1,"start":52.98,"end":53.48},{"sentences":[{"text":"5 Colling Grove Circus, Pimpama, Queensland.","start":53.175,"end":55.594997,"sentiment":"neutral","sentiment_score":0.04366998840123415}],"sentiment":"neutral","sentiment_score":0.04366998840123415,"channel":1,"num_words":6,"start":53.175,"end":55.594997},{"sentences":[{"text":"Amazing.","start":56.739998,"end":57.239998,"sentiment":"positive","sentiment_score":0.5835323333740234},{"text":"Thank you so much.","start":57.38,"end":58.68,"sentiment":"positive","sentiment_score":0.629305437207222}],"sentiment":"positive","sentiment_score":0.6201508164405822,"channel":0,"num_words":5,"start":56.739998,"end":58.68},{"sentences":[{"text":"No worries.","start":58.95,"end":59.69,"sentiment":"neutral","sentiment_score":0.10578721761703491}],"sentiment":"neutral","sentiment_score":0.10578721761703491,"channel":1,"num_words":2,"start":58.95,"end":59.69},{"sentences":[{"text":"Now I have to send you an email.","start":60.34,"end":63.88,"sentiment":"neutral","sentiment_score":0.014241595985367894},{"text":"Do you have access to your emails at the moment?","start":64.9,"end":67.56,"sentiment":"neutral","sentiment_score":-0.00046445634216070176}],"sentiment":"neutral","sentiment_score":0.006071566914518674,"channel":0,"num_words":18,"start":60.34,"end":67.56},{"sentences":[{"text":"Yep.","start":67.83,"end":68.085,"sentiment":"neutral","sentiment_score":0.02070004865527153}],"sentiment":"neutral","sentiment_score":0.02070004865527153,"channel":1,"num_words":1,"start":67.83,"end":68.085},{"sentences":[{"text":"Yes.","start":68.475006,"end":68.975006,"sentiment":"neutral","sentiment_score":0.06910445541143417},{"text":"Perfect.","start":69.115005,"end":69.615005,"sentiment":"neutral","sentiment_score":0.1354711353778839},{"text":"Now let me know when that comes through.","start":71.915,"end":75.215004,"sentiment":"neutral","sentiment_score":0.022416116204112768},{"text":"And sometimes it does end up in the spam folder as well.","start":80.73,"end":84.590004,"sentiment":"neutral","sentiment_score":-0.1654595322906971},{"text":"Nothing yet.","start":97.545,"end":98.525,"sentiment":"neutral","sentiment_score":-0.10439551621675491}],"sentiment":"neutral","sentiment_score":-0.07543337081248562,"channel":0,"num_words":24,"start":68.475006,"end":98.525},{"sentences":[{"text":"Oh, so you just want me to sign it?","start":114.450005,"end":116.47,"sentiment":"neutral","sentiment_score":0.003665555475486649}],"sentiment":"neutral","sentiment_score":0.003665555475486649,"channel":1,"num_words":9,"start":114.450005,"end":116.47},{"sentences":[{"text":"I'll just quickly go through them with you first just to make sure you're happy with it","start":116.855,"end":120.475,"sentiment":"neutral","sentiment_score":0.07578761218225255}],"sentiment":"neutral","sentiment_score":0.07578761218225255,"channel":0,"num_words":17,"start":116.855,"end":120.475},{"sentences":[{"text":"Okay.","start":120.53,"end":121.03,"sentiment":"neutral","sentiment_score":0.020809778943657875}],"sentiment":"neutral","sentiment_score":0.020809778943657875,"channel":1,"num_words":1,"start":120.53,"end":121.03},{"sentences":[{"text":"before I get you to sign anything.","start":120.855,"end":123.195,"sentiment":"neutral","sentiment_score":-0.0021708509219544275},{"text":"Now if you can click on the link for me, Connie, you should see the document where it says statement of the device.","start":124.615,"end":131.115,"sentiment":"neutral","sentiment_score":0.021066485215788303},{"text":"Same cover page.","start":132.34001,"end":133.3,"sentiment":"neutral","sentiment_score":0.010918252790967623},{"text":"Can you see that?","start":133.3,"end":134.36,"sentiment":"neutral","sentiment_score":0.008968205656856298}],"sentiment":"neutral","sentiment_score":0.014539480662426434,"channel":0,"num_words":37,"start":120.855,"end":134.36},{"sentences":[{"text":"Which link?","start":140.04,"end":140.78,"sentiment":"neutral","sentiment_score":0.006151162553578615}],"sentiment":"neutral","sentiment_score":0.006151162553578615,"channel":1,"num_words":2,"start":140.04,"end":140.78},{"sentences":[{"text":"So in the email, if you click on it where it says sign now, it would actually allow you to open up the document first before it prompts you to sign anything.","start":142.1,"end":153.475,"sentiment":"neutral","sentiment_score":0.054689573182258755}],"sentiment":"neutral","sentiment_score":0.054689573182258755,"channel":0,"num_words":32,"start":142.1,"end":153.475},{"sentences":[{"text":"Yeah.","start":155.285,"end":155.785,"sentiment":"neutral","sentiment_score":0.036286987364292145}],"sentiment":"neutral","sentiment_score":0.036286987364292145,"channel":1,"num_words":1,"start":155.285,"end":155.785},{"sentences":[{"text":"Do you have a dog or a cat","start":160.75,"end":162.59,"sentiment":"neutral","sentiment_score":0.02210120647214353}],"sentiment":"neutral","sentiment_score":0.02210120647214353,"channel":0,"num_words":8,"start":160.75,"end":162.59},{"sentences":[{"text":"Oh,","start":162.405,"end":162.645,"sentiment":"neutral","sentiment_score":0.019108865410089493}],"sentiment":"neutral","sentiment_score":0.019108865410089493,"channel":1,"num_words":1,"start":162.405,"end":162.645},{"sentences":[{"text":"close","start":162.59,"end":162.91,"sentiment":"neutral","sentiment_score":0.007099190726876259}],"sentiment":"neutral","sentiment_score":0.007099190726876259,"channel":0,"num_words":1,"start":162.59,"end":162.91},{"sentences":[{"text":"yes.","start":162.645,"end":163.045,"sentiment":"neutral","sentiment_score":0.020675688982009888}],"sentiment":"neutral","sentiment_score":0.020675688982009888,"channel":1,"num_words":1,"start":162.645,"end":163.045},{"sentences":[{"text":"by?","start":162.91,"end":163.41,"sentiment":"neutral","sentiment_score":0.013781020417809486}],"sentiment":"neutral","sentiment_score":0.013781020417809486,"channel":0,"num_words":1,"start":162.91,"end":163.41},{"sentences":[{"text":"Same in the yep.","start":163.045,"end":164.005,"sentiment":"neutral","sentiment_score":0.01958581106737256},{"text":"Yep.","start":164.005,"end":164.485,"sentiment":"neutral","sentiment_score":0.04936252161860466},{"text":"Yep.","start":164.485,"end":164.985,"sentiment":"neutral","sentiment_score":0.06090906262397766},{"text":"Got","start":166.11,"end":166.61,"sentiment":"neutral","sentiment_score":0.14349153637886047}],"sentiment":"neutral","sentiment_score":0.04744376641299043,"channel":1,"num_words":7,"start":163.045,"end":166.61},{"sentences":[{"text":"Perfect.","start":166.35,"end":166.85,"sentiment":"neutral","sentiment_score":0.1706562489271164},{"text":"Sorry.","start":167.71,"end":168.19,"sentiment":"neutral","sentiment_score":-0.010010745376348495},{"text":"If you can click on that one for 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are done just swapping as well one of the fixed interest option for a very similar one.","start":661.91,"end":667.44995,"sentiment":"neutral","sentiment_score":0.1337999262743526},{"text":"Again, just a little bit cheaper and has performed a little bit better.","start":667.70496,"end":671.225,"sentiment":"neutral","sentiment_score":0.21770726029689497},{"text":"Otherwise, very similar.","start":671.225,"end":672.845,"sentiment":"neutral","sentiment_score":0.21246903638044992}],"sentiment":"neutral","sentiment_score":0.17282353429233327,"channel":0,"num_words":34,"start":661.91,"end":672.845},{"sentences":[{"text":"Yep.","start":673.51996,"end":674.01996,"sentiment":"neutral","sentiment_score":0.2669013440608978}],"sentiment":"neutral","sentiment_score":0.2669013440608978,"channel":1,"num_words":1,"start":673.51996,"end":674.01996},{"sentences":[{"text":"And some of the other ones we are keeping, we are keeping gold in your portfolio, just rebalancing it.","start":674.185,"end":679.545,"sentiment":"positive","sentiment_score":0.4053547523523632},{"text":"It's done really well.","start":679.545,"end":680.76495,"sentiment":"positive","sentiment_score":0.670002356171608}],"sentiment":"positive","sentiment_score":0.45138042258179706,"channel":0,"num_words":23,"start":674.185,"end":680.76495},{"sentences":[{"text":"Yeah.","start":681.12,"end":681.62,"sentiment":"neutral","sentiment_score":0.15535998344421387}],"sentiment":"neutral","sentiment_score":0.15535998344421387,"channel":1,"num_words":1,"start":681.12,"end":681.62},{"sentences":[{"text":"So we keep","start":681.23004,"end":681.95,"sentiment":"neutral","sentiment_score":0.1024128074447314}],"sentiment":"neutral","sentiment_score":0.1024128074447314,"channel":0,"num_words":3,"start":681.23004,"end":681.95},{"sentences":[{"text":"Of 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straightforward?","start":702.145,"end":704.965,"sentiment":"neutral","sentiment_score":0.23526682366024365}],"sentiment":"neutral","sentiment_score":0.2729036601690146,"channel":0,"num_words":13,"start":701.185,"end":704.965},{"sentences":[{"text":"No.","start":705.74,"end":705.98,"sentiment":"neutral","sentiment_score":-0.13741299510002136},{"text":"I'm very good with","start":705.98,"end":706.86,"sentiment":"neutral","sentiment_score":-0.18075164034962654}],"sentiment":"neutral","sentiment_score":-0.17208391129970552,"channel":1,"num_words":5,"start":705.74,"end":706.86},{"sentences":[{"text":"No?","start":706.78503,"end":707.28503,"sentiment":"neutral","sentiment_score":-0.14206147193908691}],"sentiment":"neutral","sentiment_score":-0.14206147193908691,"channel":0,"num_words":1,"start":706.78503,"end":707.28503},{"sentences":[{"text":"the 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you.","start":878.5,"end":881.32,"sentiment":"neutral","sentiment_score":0.1644779250025749}],"sentiment":"neutral","sentiment_score":0.1644779250025749,"channel":0,"num_words":10,"start":878.5,"end":881.32},{"sentences":[{"text":"Yep.","start":881.15497,"end":881.65497,"sentiment":"neutral","sentiment_score":0.07471960037946701},{"text":"Done","start":882.035,"end":882.355,"sentiment":"neutral","sentiment_score":0.10823209583759308}],"sentiment":"neutral","sentiment_score":0.09147584810853004,"channel":1,"num_words":2,"start":881.15497,"end":882.355},{"sentences":[{"text":"Yep.","start":882.18,"end":882.66,"sentiment":"neutral","sentiment_score":0.08491881936788559}],"sentiment":"neutral","sentiment_score":0.08491881936788559,"channel":0,"num_words":1,"start":882.18,"end":882.66},{"sentences":[{"text":"it.","start":882.355,"end":882.755,"sentiment":"neutral","sentiment_score":0.08952541649341583}],"sentiment":"neutral","sentiment_score":0.08952541649341583,"channel":1,"num_words":1,"start":882.355,"end":882.755},{"sentences":[{"text":"That's","start":882.66,"end":883.16,"sentiment":"neutral","sentiment_score":0.10251013934612274}],"sentiment":"neutral","sentiment_score":0.10251013934612274,"channel":0,"num_words":1,"start":882.66,"end":883.16},{"sentences":[{"text":"It's just sending.","start":882.755,"end":883.89496,"sentiment":"neutral","sentiment_score":0.17328451573848724}],"sentiment":"neutral","sentiment_score":0.17328451573848724,"channel":1,"num_words":3,"start":882.755,"end":883.89496},{"sentences":[{"text":"great.","start":884.74,"end":885.13995,"sentiment":"positive","sentiment_score":0.5185423493385315},{"text":"Perfect.","start":885.13995,"end":885.63995,"sentiment":"positive","sentiment_score":0.46208375692367554},{"text":"Well, I will let you go, Connie.","start":885.94,"end":887.72,"sentiment":"neutral","sentiment_score":0.22278555163315364},{"text":"Like I said, you have my email.","start":887.77997,"end":889.315,"sentiment":"neutral","sentiment_score":0.1007615572639874},{"text":"Give me a call if you need anything, and, otherwise, I look forward to speaking with you soon again.","start":889.315,"end":893.415,"sentiment":"positive","sentiment_score":0.4238467843909013}],"sentiment":"neutral","sentiment_score":0.32281556491340907,"channel":0,"num_words":35,"start":884.74,"end":893.415},{"sentences":[{"text":"Yep.","start":893.46,"end":893.86,"sentiment":"neutral","sentiment_score":0.24532374739646912},{"text":"No worries.","start":893.86,"end":894.5,"sentiment":"neutral","sentiment_score":0.3206302523612976},{"text":"Me too.","start":894.5,"end":895.22003,"sentiment":"positive","sentiment_score":0.3596559166908264},{"text":"Thank","start":895.22003,"end":895.54,"sentiment":"positive","sentiment_score":0.6535198092460632}],"sentiment":"positive","sentiment_score":0.37656931579113007,"channel":1,"num_words":6,"start":893.46,"end":895.54},{"sentences":[{"text":"Mhmm.","start":895.315,"end":895.715,"sentiment":"positive","sentiment_score":0.4469778537750244}],"sentiment":"positive","sentiment_score":0.4469778537750244,"channel":0,"num_words":1,"start":895.315,"end":895.715},{"sentences":[{"text":"you.","start":895.54,"end":895.78,"sentiment":"positive","sentiment_score":0.48360827565193176}],"sentiment":"positive","sentiment_score":0.48360827565193176,"channel":1,"num_words":1,"start":895.54,"end":895.78},{"sentences":[{"text":"No","start":895.715,"end":895.875,"sentiment":"positive","sentiment_score":0.35974690318107605}],"sentiment":"positive","sentiment_score":0.35974690318107605,"channel":0,"num_words":1,"start":895.715,"end":895.875},{"sentences":[{"text":"Have","start":895.78,"end":896.02,"sentiment":"positive","sentiment_score":0.39155274629592896}],"sentiment":"positive","sentiment_score":0.39155274629592896,"channel":1,"num_words":1,"start":895.78,"end":896.02},{"sentences":[{"text":"problem.","start":895.875,"end":896.375,"sentiment":"positive","sentiment_score":0.5633516311645508}],"sentiment":"positive","sentiment_score":0.5633516311645508,"channel":0,"num_words":1,"start":895.875,"end":896.375},{"sentences":[{"text":"a good good day.","start":896.02,"end":897.4,"sentiment":"positive","sentiment_score":0.6459201574325562}],"sentiment":"positive","sentiment_score":0.6459201574325562,"channel":1,"num_words":4,"start":896.02,"end":897.4},{"sentences":[{"text":"You too, Connie.","start":897.875,"end":898.755,"sentiment":"positive","sentiment_score":0.3968122998873393},{"text":"We'll speak","start":898.755,"end":899.15497,"sentiment":"neutral","sentiment_score":0.18265273422002792}],"sentiment":"neutral","sentiment_score":0.31114847362041476,"channel":0,"num_words":5,"start":897.875,"end":899.15497},{"sentences":[{"text":"Alright.","start":899.06,"end":899.56,"sentiment":"neutral","sentiment_score":0.1109807714819908}],"sentiment":"neutral","sentiment_score":0.1109807714819908,"channel":1,"num_words":1,"start":899.06,"end":899.56},{"sentences":[{"text":"soon.","start":899.15497,"end":899.65497,"sentiment":"neutral","sentiment_score":0.16895917057991028}],"sentiment":"neutral","sentiment_score":0.16895917057991028,"channel":0,"num_words":1,"start":899.15497,"end":899.65497},{"sentences":[{"text":"Yep.","start":899.78,"end":900.18,"sentiment":"neutral","sentiment_score":0.18514716625213623},{"text":"See you.","start":900.18,"end":900.74,"sentiment":"positive","sentiment_score":0.34426048398017883},{"text":"Thank","start":900.74,"end":900.98,"sentiment":"positive","sentiment_score":0.5780329704284668}],"sentiment":"positive","sentiment_score":0.3629252761602402,"channel":1,"num_words":4,"start":899.78,"end":900.98},{"sentences":[{"text":"Okay.","start":900.755,"end":901.255,"sentiment":"positive","sentiment_score":0.4481881260871887}],"sentiment":"positive","sentiment_score":0.4481881260871887,"channel":0,"num_words":1,"start":900.755,"end":901.255},{"sentences":[{"text":"you.","start":900.98,"end":901.48,"sentiment":"positive","sentiment_score":0.447367787361145},{"text":"Bye.","start":901.54,"end":902.04,"sentiment":"neutral","sentiment_score":0.30737799406051636}],"sentiment":"positive","sentiment_score":0.3773728907108307,"channel":1,"num_words":2,"start":900.98,"end":902.04},{"sentences":[{"text":"Bye.","start":901.875,"end":902.375,"sentiment":"neutral","sentiment_score":-0.12797337770462036}],"sentiment":"neutral","sentiment_score":-0.12797337770462036,"channel":0,"num_words":1,"start":901.875,"end":902.375}]},"summary":{"result":"success","short":"A representative from Financial contacts Connie to discuss her investment and emphasizes the importance of reviewing her recommendations. They highlight changes to her investment portfolio and recommend changing investments for her returns. The speaker emphasizes the need for annual reviews and the importance of reviewing risk factors. They also discuss swapping out old investments and reducing fees for the customer. The speaker provides instructions for updating the customer's Australian investment to include a range of companies and gold in their portfolio, and reminds them to call if they have any questions."},"intents":{"segments":[{"text":"Now I have to send you an email. Do you have access to your emails at the moment? Yep.","start_word":158,"end_word":176,"intents":[{"intent":"Check availability","confidence_score":0.003191683}]},{"text":"But just like usual, obviously, everything that we have recommended, it is tailored to you.","start_word":350,"end_word":364,"intents":[{"intent":"Make recommendations","confidence_score":0.29838434}]},{"text":"Just reviewing your investments to see if we could make any changes to improve some of the investment.","start_word":454,"end_word":471,"intents":[{"intent":"Review investments","confidence_score":0.06088998}]},{"text":"So the only thing we're doing is literally just changing a couple of your investments.","start_word":575,"end_word":589,"intents":[{"intent":"Change investments","confidence_score":0.016959317}]},{"text":"And, typically, it is to try to outperform the market, the lack we touched on last time. Because they hadn't really outperformed lately, there's no point paying more fees if you're not getting more returns for it.","start_word":652,"end_word":688,"intents":[{"intent":"Outperform market","confidence_score":0.8810489}]},{"text":"can see that the the recommended has performed a little bit better as well, which is great. Yes.","start_word":800,"end_word":817,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.4183074}]},{"text":"Now if you wanna scroll up for me to page 16, I just wanna quickly highlight some of the changes that I'm making to the investment. Oh, yeah.","start_word":1073,"end_word":1100,"intents":[{"intent":"Highlight investments and changes to investment","confidence_score":0.00016803555}]},{"text":"As you can see, if we look at the top one that's been along Australian, that's the one we wanted to move out of. So as you can see, we are completely selling out of that one. And instead, we have included some other options for you, which I will kind of go through as as we come down here.","start_word":1285,"end_word":1344,"intents":[{"intent":"Include options","confidence_score":0.07055068}]},{"text":"Now kind of the the the closest lock for lock that we have included is on page 17. It is a little bit broken because it's a longer table, but it's the one where it says the beta shares Australia 200.","start_word":1346,"end_word":1386,"intents":[{"intent":"Update investment details","confidence_score":0.042258464}]},{"text":"And some of the other ones we are keeping, we are keeping gold in your portfolio, just rebalancing it. It's done really well.","start_word":1733,"end_word":1755,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.09108348}]},{"text":"Do you have any questions, Connie, or is it pretty straightforward? No.","start_word":1810,"end_word":1821,"intents":[{"intent":"Offering assistance","confidence_score":0.00051834784}]},{"text":"Now the last thing I do wanna highlight to you, it's just the remuneration again on the page 23. Yeah. Sorry.","start_word":1832,"end_word":1852,"intents":[{"intent":"Highlighting remuneration","confidence_score":0.5943104}]},{"text":"So, essentially, from here is if you are happy to go ahead with the change, Connie, I will just need you to sign the document. It will then come through to me, and I can get the team to make that change.","start_word":2040,"end_word":2081,"intents":[{"intent":"Get team to sign document","confidence_score":0.004617116}]},{"text":"So, essentially, from here is if you are happy to go ahead with the change, Connie, I will just need you to sign the document. It will then come through to me, and I can get the team to make that change. But if you wanted to take some time and read over as well, that's also perfectly fine. No.","start_word":2040,"end_word":2099,"intents":[{"intent":"Make change","confidence_score":0.35228235}]},{"text":"But, otherwise, I will just refresh my my page in a couple of Cool. minutes and see if it's come through, and we can get that all sorted for you.","start_word":2155,"end_word":2184,"intents":[{"intent":"Refresh page","confidence_score":0.18741244},{"intent":"Refresh page","confidence_score":0.25488773},{"intent":"Refresh page","confidence_score":0.01751635}]},{"text":"But do you have any other questions for me before I let you go today?","start_word":2207,"end_word":2221,"intents":[{"intent":"Request information","confidence_score":0.00011266042}]},{"text":"Well, if you do think of anything or if there's anything else that you need, you know, you have you my email or otherwise, just give the office a call, or we can always book you in for a bit of a catch up. Yeah.","start_word":2231,"end_word":2275,"intents":[{"intent":"Book catch up","confidence_score":0.01605229}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Connie. This is Veronica from Financial. How are you?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.2366863638162613},{"text":"I'm good. How are you? I'm good. Thanks. How's your Good.","start_word":12,"end_word":22,"sentiment":"positive","sentiment_score":0.4615632593631744},{"text":"day been? Not too bad.","start_word":23,"end_word":27,"sentiment":"neutral","sentiment_score":0.31935521960258484},{"text":"Thank you. That's good.","start_word":28,"end_word":31,"sentiment":"positive","sentiment_score":0.5570270419120789},{"text":"How's the day off today? No. I finished this morning. My shift. Did you get some sleep at least? Not yet. Okay. Well, I will try not to keep you for too long so you can get to it. Okay. It is a pretty quick one today. Basically, just running over the recommendation after I did a bit of research on your investment. Do you Yeah. kind of remember that? Yep. Yep.","start_word":32,"end_word":103,"sentiment":"neutral","sentiment_score":0.08094490319490433},{"text":"Perfect.","start_word":104,"end_word":104,"sentiment":"positive","sentiment_score":0.3414037227630615},{"text":"Now just like usual, before I do go any further, just need to let you know Yeah. that calls, yeah, are recorded. That's okay? Yep. And I'll tell you, my name is Chenka in second January seventy four. '20 Yes. 5 Colling Grove Circus, Pimpama, Queensland.","start_word":105,"end_word":150,"sentiment":"neutral","sentiment_score":0.048827480524778366},{"text":"Amazing. Thank you so much.","start_word":151,"end_word":155,"sentiment":"positive","sentiment_score":0.6051148176193237},{"text":"No worries. Now I have to send you an email. Do you have access to your emails at the moment? Yep. Yes. Perfect. Now let me know when that comes through. And sometimes it does end up in the spam folder as well. Nothing yet. Oh, so you just want me to sign it? I'll just quickly go through them with you first just to make sure you're happy with it Okay. before I get you to sign anything. Now if you can click on the link for me, Connie, you should see the document where it says statement of the device. Same cover page. Can you see that? Which link? So in the email, if you click on it where it says sign now, it would actually allow you to open up the document first before it prompts you to sign anything. Yeah. Do you have a dog or a cat Oh, close yes. by? Same in the yep. Yep. Yep. Got Perfect. Sorry. If you can click on that one for me. it. Yep. Now because you obviously have gone through this drill before, I'll try to make it quick for you. But just like usual, obviously, everything that we have recommended, it is tailored to you. Again, Mhmm. underneath it, you can see my details there Mhmm. and, obviously, all our contact details. Same as last time, we are bound by the best interest duty.","start_word":156,"end_word":393,"sentiment":"neutral","sentiment_score":0.05650400514362239},{"text":"Again, on the second page, always making sure that everything that we do recommend puts you in a better position and always take your best interest before anything else. Yep. Perfect.","start_word":394,"end_word":424,"sentiment":"positive","sentiment_score":0.3599552512168884},{"text":"Now if you can kind of just scroll through for me there, Connie, you will see that the only thing we're kind of focusing today is just your superannuation. Just reviewing your investments to see if we could make any changes to improve some of the investment.","start_word":425,"end_word":471,"sentiment":"neutral","sentiment_score":0.32119297981262207},{"text":"Obviously, with everything going on in the world, not making any changes to your insurances, they're still very affordable and tailored to you. So it's literally just your superannuation today. So pretty Yep.","start_word":472,"end_word":504,"sentiment":"positive","sentiment_score":0.46859535574913025},{"text":"straightforward. Now if you can scroll down for me. Let me see here. Through page 19. 19. Yep. Can you see where it says see comparison table? Yeah. Yes. Perfect. So you can see here that I have recommended that you stay in hub 24.","start_word":505,"end_word":549,"sentiment":"neutral","sentiment_score":0.1073446050286293},{"text":"Yep. It's still really good for you.","start_word":550,"end_word":556,"sentiment":"positive","sentiment_score":0.5517799258232117},{"text":"There's no reason to change it. Has all the options of all the investments and everything like that. So the only thing we're doing is literally just changing a couple of your investments. So you can see here that by making the change in the investments alone, on the column where it says investment fees, Yep. Very it's actually high. make it's making it a bit cheaper for you. So for the recommended by swapping out, and one of those was that Ben along the the managed fund, which was a little bit more expensive. And, typically, it is to try to outperform the market, the lack we touched on last time. Because they hadn't really outperformed lately, there's no point paying more fees if you're not getting more returns for it. Oh, okay. Yeah.","start_word":557,"end_word":691,"sentiment":"neutral","sentiment_score":0.08565250337123871},{"text":"So the new portfolio making those changes is a bit cheaper. So you can see that on a yearly, it's saving about $498 Yeah.","start_word":692,"end_word":715,"sentiment":"positive","sentiment_score":0.4834824204444885},{"text":"in investment fees, which which is pretty big. Yeah. It And is. we're not yeah. And we're also not changing your risk. So we're still keeping you in a growth portfolio, still trying to grow that super as much as possible, still have about the same 80 20 allocation to your growth and your defensive. So that's literally just by swapping some of the investments out. And you can also see that from the return, which is at the bottom of that, you Yes.","start_word":716,"end_word":799,"sentiment":"neutral","sentiment_score":0.24439580738544464},{"text":"can see that the the recommended has performed a little bit better as well, which is great.","start_word":800,"end_word":816,"sentiment":"positive","sentiment_score":0.5684757828712463},{"text":"Yes.","start_word":817,"end_word":817,"sentiment":"neutral","sentiment_score":0.32472261786460876},{"text":"Yeah.","start_word":818,"end_word":818,"sentiment":"positive","sentiment_score":0.34694117307662964},{"text":"So the old one was still doing good, but then the the new one has done a little bit better. And that's why the annual reviews are so good and important because there's always things changing in in the world and in the market all the time.","start_word":819,"end_word":865,"sentiment":"neutral","sentiment_score":0.3139907121658325},{"text":"So it is important to review this because there's potentially tweaks and changes that we can make for you and always make sure we have you in the best position possible for you. Yeah. That's good. Yep. That's good. Now by making this change, there won't be any fees, so there won't be any capital gains tax or anything like that, which is great. So that's basically kind of this page here. So no changes really aside from improving the returns a little bit and reducing the fees, which is great.","start_word":866,"end_word":956,"sentiment":"positive","sentiment_score":0.43384549021720886},{"text":"So Yep. if you scroll down one page from your page 20, Yep. you can then actually see that five and ten year projection a bit of updated for you again, Yeah. Yeah.","start_word":957,"end_word":989,"sentiment":"neutral","sentiment_score":0.15750795602798462},{"text":"which does make a big difference when you are kind of compounding everything for you.","start_word":990,"end_word":1004,"sentiment":"positive","sentiment_score":0.39367854595184326},{"text":"I know.","start_word":1005,"end_word":1006,"sentiment":"neutral","sentiment_score":0.31745439767837524},{"text":"Impressive.","start_word":1007,"end_word":1007,"sentiment":"positive","sentiment_score":0.6205175518989563},{"text":"Yeah. Yeah. And underneath that, you can see then the returns. You can see Yep. the twelve month, three years, and then five years in their their recommended portfolio. The current one, some of the investments didn't have five years, so that's why it's just left blank Oh, okay. for you. Go Any ahead. questions so far? Oh, that's No. pretty straightforward. Yep.","start_word":1008,"end_word":1070,"sentiment":"neutral","sentiment_score":0.05620217849574392},{"text":"Perfect. Good.","start_word":1071,"end_word":1072,"sentiment":"positive","sentiment_score":0.6771066188812256},{"text":"Now if you wanna scroll up for me to page 16, I just wanna quickly highlight some of the changes that I'm making to the investment. Oh, yeah. Yeah. Sorry. Can you see that table? Yep. Yeah.","start_word":1073,"end_word":1109,"sentiment":"neutral","sentiment_score":0.15154613554477692},{"text":"Perfect.","start_word":1110,"end_word":1110,"sentiment":"positive","sentiment_score":0.33728253841400146},{"text":"Do you have a a dog or a cat close to you, Connie? That's Yep. having a bit of a sleep at Yep. the moment? That's so funny. My dog does exactly the same. Yep. If Uh-huh. I ever work work from home, she's under my desk, snoring away. I was, oh, that's Sorry. so cute. No. That's fine. I was just some interesting notes. I was like, I'm surely that's a that's an animal in the Yeah. background. That's not me for sure. Yeah. No. That's okay. Now here, Connie, I have this outline, the changes. So what you see in red, the Yeah. only reason it's red, it's just because we are swapping them out. It's not that they're negative or anything like that. It is Oh. just because we are selling them. So sometimes people think red and they think it's down. No. That's not it. It is just we are changing it. So that's just showing what we are selling and swapping the investment. Oh, okay. Yeah. Yep. Sorry. Yeah. As you can see, if we look at the top one that's been along Australian, that's the one we wanted to move out of. So as you can see, we are completely selling out of that one. And instead, we have included some other options for you, which I will kind of go through as as we come down here. Now kind of the the the closest lock for lock that we have included is on page 17. It is a little bit broken because it's a longer table, but it's the one where it says the beta shares Australia 200. Can you see where I'm at Yep. at Yep. the moment? Yep. Yep. So this is the one that we have replaced because if we are changing your Australian investment, we wanna kind of include it with a similar one. So, again, yeah, it's focusing on the 200 largest companies in Australia. So Yep. you will have, you know, Commonwealth and BHT and Woolworths, all the big companies.","start_word":1111,"end_word":1453,"sentiment":"neutral","sentiment_score":0.0068245310195159635},{"text":"And this one here was a bit cheaper than the Benelon, which is why you could also see some of those investment fees being a little bit cheaper. And more recently, they have performed a little bit better as well, which is good.","start_word":1454,"end_word":1496,"sentiment":"positive","sentiment_score":0.4609812200069427},{"text":"Yeah.","start_word":1497,"end_word":1497,"sentiment":"neutral","sentiment_score":0.3229975700378418},{"text":"The Yeah. return is good too.","start_word":1498,"end_word":1503,"sentiment":"positive","sentiment_score":0.4471287131309509},{"text":"The Yeah. Target balance. Yeah. So the target way is the the asset allocation through the portfolio Yep. of how we wanna structure it. Yep. Yep. We are then swapping out of some of the other investments. So the other ones we are changing, it is just your health care and JPMorgan and the the roughly Australian. And we are introducing an investment to Europe. So that one includes a range of different companies in Europe. So you'll have mainly companies in, you know, The UK and Germany and France Yes. and Switzerland. Yep. And then you also have about 5% in Japan. A lot of opportunities in this space, so we've kind of swapped the one of the investments of the India for Japan for you. Yep. And then we also have 8% in one investment that just have companies around the globe. So, basically, all around the world, but it is excluding The US because you do have that exposure already in another investment. And Yeah. we wanna make sure we don't put too much into one area That's or industry. We do wanna diversify things forward.","start_word":1504,"end_word":1692,"sentiment":"neutral","sentiment_score":0.08075191080570221},{"text":"good.","start_word":1693,"end_word":1693,"sentiment":"positive","sentiment_score":0.40502750873565674},{"text":"That's Yeah.","start_word":1694,"end_word":1695,"sentiment":"neutral","sentiment_score":0.28942906856536865},{"text":"good.","start_word":1696,"end_word":1696,"sentiment":"positive","sentiment_score":0.3705595135688782},{"text":"Yep. We are done just swapping as well one of the fixed interest option for a very similar one. Again, just a little bit cheaper and has performed a little bit better. Otherwise, very similar. Yep.","start_word":1697,"end_word":1732,"sentiment":"neutral","sentiment_score":0.1798130656696028},{"text":"And some of the other ones we are keeping, we are keeping gold in your portfolio, just rebalancing it. It's done really well.","start_word":1733,"end_word":1755,"sentiment":"positive","sentiment_score":0.4684151113033294},{"text":"Yeah. So we keep Of course. we're keeping that one, yeah, Yep. in your your portfolio. And that is essentially the changes. So not massive changes, just swapping a couple out to kind of improve the returns a little bit and reduce those fees a little bit down for you.","start_word":1756,"end_word":1805,"sentiment":"neutral","sentiment_score":0.2226882427930832},{"text":"I'm happy. Yeah. Perfect.","start_word":1806,"end_word":1809,"sentiment":"positive","sentiment_score":0.5643517374992371},{"text":"Do you have any questions, Connie, or is it pretty straightforward? No. I'm very good with No? the table. Not good. Yep. Now the last thing I do wanna highlight to you, it's just the remuneration again on the page 23. Yeah. Sorry. No changes whatsoever in regards Yep. to the fee. Oh, So okay. if you are yeah. So if you are happy to go ahead with the change today, there is no additional fees or charges or anything like that. That is all part of the ongoing advice fee that you already paid from super, which is just that 1.65. So Yep. that factors in all of this. So there's no additional fees or charges or anything like that if you wanted to go ahead with the change. It's all part of the service for you, Connie. Yeah. Okay.","start_word":1810,"end_word":1950,"sentiment":"neutral","sentiment_score":0.17924128472805023},{"text":"Cool. Perfect. Now that was essentially what I needed to go through today. So pretty quick and easy.","start_word":1951,"end_word":1968,"sentiment":"positive","sentiment_score":0.5150024890899658},{"text":"Now for your reference as well in the email so before you click on the link, if you later wanna go and have a read over it, I have included the appendix again. So that's where all those investment links and research is. So if it is that you do wanna read up on it a bit more, it's all in there for you. Yep. That Yep.","start_word":1969,"end_word":2035,"sentiment":"neutral","sentiment_score":0.22176507115364075},{"text":"sounds good. Perfect.","start_word":2036,"end_word":2038,"sentiment":"positive","sentiment_score":0.5581614375114441},{"text":"So, essentially, from here is if you are happy to go ahead with the change, Connie, I will just need you to sign the document. It will then come through to me, and I can get the team to make that change. But if you wanted to take some time and read over as well, that's also perfectly fine. No. I'm actually signing it.","start_word":2039,"end_word":2102,"sentiment":"neutral","sentiment_score":0.2522718012332916},{"text":"Oh, perfect. Then I can get the team on that right away, and we can go ahead and make this change for you.","start_word":2103,"end_word":2125,"sentiment":"positive","sentiment_score":0.5660711526870728},{"text":"Yep.","start_word":2126,"end_word":2126,"sentiment":"neutral","sentiment_score":0.3173719346523285},{"text":"Perfect. I'll wait for that to come through.","start_word":2127,"end_word":2134,"sentiment":"positive","sentiment_score":0.36469683051109314},{"text":"Sometimes it takes a little bit to come through. If you do have any issues signing it, let me know. But, otherwise, I will just refresh my my page in a couple of Cool.","start_word":2135,"end_word":2168,"sentiment":"neutral","sentiment_score":0.1529228687286377},{"text":"minutes and see if it's come through, and we can get that all sorted for you. And I will let you go, and, hopefully, you'll be able to get, a little nap or something through in the afternoon.","start_word":2169,"end_word":2206,"sentiment":"positive","sentiment_score":0.418588250875473},{"text":"But do you have any other questions for me before I let you go today? No. I'm I'm No? happy. Yep.","start_word":2207,"end_word":2227,"sentiment":"neutral","sentiment_score":0.03265581652522087},{"text":"That's good. Perfect.","start_word":2228,"end_word":2230,"sentiment":"positive","sentiment_score":0.5062026977539062},{"text":"Well, if you do think of anything or if there's anything else that you need, you know, you have you my email or otherwise, just give the office a call, or we can always book you in for a bit of a catch up. Yeah. The only thing I stuck here is page 26. Perfect. What does it say for you? The text box. Yes. You can just you can just put NA. That is if you wanted to make a variation to it. You could type in, I don't want this, so I would like this instead. But if there's no changes, then you can just type, like, NA or Yep. no changes. Yep. Yep. Yeah. All good. Then it should just be signature and date for you. Yep. Done Yep. it. That's It's just sending.","start_word":2231,"end_word":2367,"sentiment":"neutral","sentiment_score":0.10587641596794128},{"text":"great. Perfect.","start_word":2368,"end_word":2369,"sentiment":"positive","sentiment_score":0.4903130531311035},{"text":"Well, I will let you go, Connie. Like I said, you have my email.","start_word":2370,"end_word":2383,"sentiment":"neutral","sentiment_score":0.16846375167369845},{"text":"Give me a call if you need anything, and, otherwise, I look forward to speaking with you soon again.","start_word":2384,"end_word":2402,"sentiment":"positive","sentiment_score":0.3891351521015167},{"text":"Yep. No worries.","start_word":2403,"end_word":2405,"sentiment":"neutral","sentiment_score":0.28444939851760864},{"text":"Me too. Thank Mhmm. you. No Have problem. a good good day. You too, Connie.","start_word":2406,"end_word":2420,"sentiment":"positive","sentiment_score":0.48077812790870667},{"text":"We'll speak Alright. soon. Yep.","start_word":2421,"end_word":2425,"sentiment":"neutral","sentiment_score":0.16062168776988983},{"text":"See you. Thank Okay. you.","start_word":2426,"end_word":2430,"sentiment":"positive","sentiment_score":0.4234134256839752},{"text":"Bye. Bye.","start_word":2431,"end_word":2432,"sentiment":"neutral","sentiment_score":0.2329292744398117}],"average":{"sentiment":"neutral","sentiment_score":0.17780064695440956}}}}