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I had you booked in pretty quick today, but just to go over the research I did on your super investments. Is now still a good time? Yes. Okay. Perfect. I'll try not to take up too much of your time. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Perfect. And how's your day been so far? Been busy? Oh, yeah. Lovely. Now, Royce, do you have access to your emails at the moment or or not really right now? Yes. Okay. Beautiful. It just makes it a bit easier as I go through this with you. Now I have just sent you an email with the recommendation if you can access that for me. Yes, please. And when you click on the link, it should allow you to open up the statement of advice, and you should have a cover page where it says prepared for yourself and, like, a photo of the Gold Coast. You can see that okay? Yes. Yes. If you press sign, it should then allow you to open up and look at everything first. Yeah. Okay. Beautiful. Now every time we do make a recommendation for you, we have to put everything in the statement of advice. A lot of it is just for compliance purposes. So you will see it's 25 pages, but I won't go through all of that with you. It is pretty straightforward today, but it is also just allows you the opportunity to read over everything just to make sure you understand everything. Okay? Yep. Perfect. Now if you scroll to the second page, it talks a little bit about the best interest duty. Do you remember hearing about that before? No? Basically no. That's all good. Basically, what it means is that we have to act in your best interest at all time, have to always put you first, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Yep. Beautiful. Now if you can just scroll for me, you'll see table of content, pretty self explanatory, and it then takes us through scope of advice. Can you see that page? Yep. Perfect. Now, basically, what this talks about is just the areas we are looking at today. So like I said, it is pretty straightforward. We are just looking at your superannuation, specifically having a look at your investments if you wanted to swap anything out that was underperforming through something a little bit better. We're not making any changes to insurances or anything else. It is literally just focusing on that today. Yep. Beautiful. Now if you can scroll down for me through page eight. Yep. So what you scroll through, you'll see you saw just a couple of pages to some personal information about you, your kind of your insurances and stuff, again, that we touched on during the annual review. But you should then see a page now where it says your risk profile. Is that the page you're on? Yep. Beautiful. Yep. Perfect. And now, basically, what this talks about is just your risk profile. And now during the annual review, we kind of determined that a growth portfolio is still suitable for you. You still have plenty of time until retirement. So the goal is very much to grow your super as much as possible. Understand there will be some short term fluctuations in order to grow that, so we are not making any changes in regards to your risk profile today. It's keeping that the same. Yep. Perfect. Now if you can scroll to page 10 or could be 11 depending if it counts as the cover page, but it should say Royce retain your hub twenty four superannuation on the heading there. Yep. So this basically outlines the recommendation itself. I have also put it in a table to make it a little bit easier. But, essentially, as part of the research, I did also consider other super funds for you because it is important for us to always assess and making sure that the super fund we have you in is the best one for you. There is absolutely nothing tying us to Hub twenty four, so it is good for us to do research just to make sure because there's always new products and features that are always continuously coming out. After doing research, Hub twenty four is still very much competitive. It's very competitive when it comes to the fees and features and investment choices. I do use Hub 24 for my personal super as well. So I have recommended that we keep you in Hub 24, just literally changing a couple of investments around for you. Yep. Perfect. Now if you can scroll down through page 14 or 15, you should have a fee comparison table. Yep. Yep. Perfect. So, basically, what you scroll through is kind of what I will summarize in the table here for you. It talks about the recommendation advantages and risks and disadvantages to be mindful of, but I often find that seeing it kind of outlined in this table makes it a little bit easier. Now what you will see here, you'll see your current situation listed first. You can see your growth profile at the moment. And underneath that, you should see where it says eight point five three percent five year rolling average. Can you see that? Yep. Perfect. So that basically shows and tells us that your current portfolio in Hub twenty four, when we are using a five year rolling average. So the reason we use a five year rolling average is because it gives us more certainty of what has happened to the portfolio and the market because you can't guarantee anything. You don't know what's going to happen with the markets. But using a five year period of time and averaging it out on a yearly basis just gives us a little bit more certainty. Does that make sense? Yep. Beautiful. Now on the recommended side, you can see that with only making some changes to your investments, everything else stays exactly the same. No changes in advice to fees or contributions or insurances. It will save you about $569 in fees just from investment fees alone, which is pretty good. Yep. Perfect. Now when you are also then looking at the same five year rolling average period, you can see that not only reducing the fees, but the recommended investment changes have also improved the performance a little bit. So you can see that that's about 10.05%, which is good. Now often when we sell investments, there can be something that's called capital gains tax associated with the investment. The same as if you were to sell, like, an investment property, you'd have to pay tax on the earnings. The same applies in a superannuation environment. It is all taken care of within the superannuation. Those are not something you would have to declare yourself or pay for yourself personally. Correct. The good thing is, though, that with a couple of investment changes I have recommended for you, there is estimated to be no capital gains tax, which is great. Yep. If I were to sell all your investments and change it over, the the the tax would have been about 5,252, which, obviously, we want to avoid. So literally just making a couple of changes. Now at the bottom of this page, you can see a projecting forward for five and ten years to show you as well that even though we're just making a few minor changes today, it does still make a pretty big difference where we are kind of compounding everything forward for you. Yep. Perfect. Now on the next page, you should see annualized investment returns, like a table showing twelve, three, five, and ten years. And you can see that the recommended portfolio, again, has kind of outperformed your current portfolio as well, which is nice. Yep. Beautiful. Any questions so far, Royce? So it's pretty straightforward. No. Beautiful. Now if you can scroll to the next page for me, I'll just kind of quickly talk through what those investment changes are. So that is page 16 or 17. You should have, like, an investment table. Yep. Yep. Perfect. So, basically, this can look a little bit messy. But, basically, what it it shows, it shows you your investment name. So, basically, what you are invested in currently. It then shows you this special kind of code. It shows how much you actually have in each option. And then, basically, what that looks like from a dollar value point of view. And then you have the the buy and sell column. Now everything in red is what we are either selling or just rebalancing your portfolio. So the only two investments we are changing is the top one where it says Benelong Australian equity. Yep. We are selling out of that one and instead introducing the one at the bottom where it says beta shares Australia two hundred. Can you see that? Yep. Perfect. The reason being is that Benelon, that was that investment I touched on a little bit during the annual review that I did wanna consider looking at changing for you because it's been underperforming a little bit recently. So changing that one for an alternative, which is the BetaShares Australia two hundred, it is another Australian investment, but it has performed quite a bit better than Benelon recently. It's a bit cheaper as well, so that's where you save some of those fees. And it is very diversified in that it invests in the 200 largest companies listed in Australia. So very diversified within that one investment option. Does that make sense? Yep. Perfect. The only other change is that we are selling out of BetaShares Australia Bank Hybrid. So that is the third one, which is one of your, yeah, one of your kind of alternative defensive investments that are phasing that one out. So instead, we are introducing a little bit more into another of your defensive investments, which is the iShares composite bond. Basically, just fixed interest, just swapping and defensive for another defensive, essentially, for you. Yep. The rest of the changes, it is literally just rebalancing your portfolio. So it is keeping the investments you currently have, just shifting the percentages around back to alignment. So, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away from, like, its intended asset allocation. So, basically, rebalancing. It just kind of means buying and selling investments where rebalance, realigning everything back into, kind of alignment. And by doing so, it basically just helps ensure that your investments continue to align with that growth risk profile for you as well as the how the portfolio was intended and your objectives and everything like that. So making sure it's not unintentionally more or less risky than what it's designed to do. Does that make sense? Yep. Beautiful. So literally just two swaps and then just rebalance. So pretty straightforward. Now now as you scroll through page eighteen nineteen, you should see a asset allocation, little pie chart, and a table for me. Yep. This basically shows that risk profile. Like I said, we are keeping you in growth, not changing it. Both existing and proposed very much aligned with your risk profile. So not really any changes when it comes to that. Yep. Beautiful. Now the last thing I do wanna mention, again, is just in regards to that fee structure. So there's no changes in regards to that for you at all. Stays exactly the same, like I mentioned during the annual review, and there's no additional fees and charges whatsoever in regards to this. This is all part of the ongoing fee structure for you. So do you have any questions for me at this point, Rose? No. Perfect. So, basically, from here, if you wanted to take some time to have a read over the document, you are more than welcome to do so. If you are happy to go ahead with the recommendation, to do that, it would just be to add the little signature digitally where you are now. It will ask for your signature and your date, and then it will send it back to me. And that tells me that you are happy to go ahead with these couple of investment changes, and I will let the team know to go ahead with that as soon as that comes through. Perfect. Let me refresh on my end and see if it comes through. Yeah. Sometimes it takes a minute, but usually once you hit validate, it goes through pretty quickly. Let me see here. No. That's all good. Do you have much more work left to do today? Yeah. You're ready to clock off. Now, Royce, I can see that that's come through, which is great. So I will let the team know. We'll go ahead and make this couple of investment changes for you. But if there's anything you need at any point in time, don't hesitate to give us a call or send me an email, and we can always get you scheduled in. Yep. No worries. Thank you so much for your time today, and hopefully, it all goes well tomorrow. No worries. You too. 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afternoon, Rose. This is Veronica from ICU Financial. How are you? I'm good. Thanks.\n\nI had you booked in pretty quick today, but just to go over the research I did on your super investments. Is now still a good time? Yes. Okay. Perfect.\n\nI'll try not to take up too much of your time. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nPerfect. And how's your day been so far? Been busy? Oh, yeah. Lovely.\n\nNow, Royce, do you have access to your emails at the moment or or not really right now? Yes. Okay. Beautiful. It just makes it a bit easier as I go through this with you.\n\nNow I have just sent you an email with the recommendation if you can access that for me. Yes, please. And when you click on the link, it should allow you to open up the statement of advice, and you should have a cover page where it says prepared for yourself and, like, a photo of the Gold Coast. You can see that okay? Yes.\n\nYes. If you press sign, it should then allow you to open up and look at everything first. Yeah. Okay. Beautiful.\n\nNow every time we do make a recommendation for you, we have to put everything in the statement of advice. A lot of it is just for compliance purposes. So you will see it's 25 pages, but I won't go through all of that with you. It is pretty straightforward today, but it is also just allows you the opportunity to read over everything just to make sure you understand everything. Okay?\n\nYep. Perfect. Now if you scroll to the second page, it talks a little bit about the best interest duty. Do you remember hearing about that before? No?\n\nBasically no. That's all good. Basically, what it means is that we have to act in your best interest at all time, have to always put you first, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense?\n\nYep. Yep. Beautiful. Now if you can just scroll for me, you'll see table of content, pretty self explanatory, and it then takes us through scope of advice. Can you see that page?\n\nYep. Perfect. Now, basically, what this talks about is just the areas we are looking at today. So like I said, it is pretty straightforward. We are just looking at your superannuation, specifically having a look at your investments if you wanted to swap anything out that was underperforming through something a little bit better.\n\nWe're not making any changes to insurances or anything else. It is literally just focusing on that today. Yep. Beautiful. Now if you can scroll down for me through page eight.\n\nYep. So what you scroll through, you'll see you saw just a couple of pages to some personal information about you, your kind of your insurances and stuff, again, that we touched on during the annual review. But you should then see a page now where it says your risk profile. Is that the page you're on? Yep.\n\nBeautiful. Yep. Perfect. And now, basically, what this talks about is just your risk profile. And now during the annual review, we kind of determined that a growth portfolio is still suitable for you.\n\nYou still have plenty of time until retirement. So the goal is very much to grow your super as much as possible. Understand there will be some short term fluctuations in order to grow that, so we are not making any changes in regards to your risk profile today. It's keeping that the same. Yep.\n\nPerfect. Now if you can scroll to page 10 or could be 11 depending if it counts as the cover page, but it should say Royce retain your hub twenty four superannuation on the heading there. Yep. So this basically outlines the recommendation itself. I have also put it in a table to make it a little bit easier.\n\nBut, essentially, as part of the research, I did also consider other super funds for you because it is important for us to always assess and making sure that the super fund we have you in is the best one for you. There is absolutely nothing tying us to Hub twenty four, so it is good for us to do research just to make sure because there's always new products and features that are always continuously coming out. After doing research, Hub twenty four is still very much competitive. It's very competitive when it comes to the fees and features and investment choices. I do use Hub 24 for my personal super as well.\n\nSo I have recommended that we keep you in Hub 24, just literally changing a couple of investments around for you. Yep. Perfect. Now if you can scroll down through page 14 or 15, you should have a fee comparison table. Yep.\n\nYep. Perfect. So, basically, what you scroll through is kind of what I will summarize in the table here for you. It talks about the recommendation advantages and risks and disadvantages to be mindful of, but I often find that seeing it kind of outlined in this table makes it a little bit easier. Now what you will see here, you'll see your current situation listed first.\n\nYou can see your growth profile at the moment. And underneath that, you should see where it says eight point five three percent five year rolling average. Can you see that? Yep. Perfect.\n\nSo that basically shows and tells us that your current portfolio in Hub twenty four, when we are using a five year rolling average. So the reason we use a five year rolling average is because it gives us more certainty of what has happened to the portfolio and the market because you can't guarantee anything. You don't know what's going to happen with the markets. But using a five year period of time and averaging it out on a yearly basis just gives us a little bit more certainty. Does that make sense?\n\nYep. Beautiful. Now on the recommended side, you can see that with only making some changes to your investments, everything else stays exactly the same. No changes in advice to fees or contributions or insurances. It will save you about $569 in fees just from investment fees alone, which is pretty good.\n\nYep. Perfect. Now when you are also then looking at the same five year rolling average period, you can see that not only reducing the fees, but the recommended investment changes have also improved the performance a little bit. So you can see that that's about 10.05%, which is good. Now often when we sell investments, there can be something that's called capital gains tax associated with the investment.\n\nThe same as if you were to sell, like, an investment property, you'd have to pay tax on the earnings. The same applies in a superannuation environment. It is all taken care of within the superannuation. Those are not something you would have to declare yourself or pay for yourself personally. Correct.\n\nThe good thing is, though, that with a couple of investment changes I have recommended for you, there is estimated to be no capital gains tax, which is great. Yep. If I were to sell all your investments and change it over, the the the tax would have been about 5,252, which, obviously, we want to avoid. So literally just making a couple of changes. Now at the bottom of this page, you can see a projecting forward for five and ten years to show you as well that even though we're just making a few minor changes today, it does still make a pretty big difference where we are kind of compounding everything forward for you.\n\nYep. Perfect. Now on the next page, you should see annualized investment returns, like a table showing twelve, three, five, and ten years. And you can see that the recommended portfolio, again, has kind of outperformed your current portfolio as well, which is nice. Yep.\n\nBeautiful. Any questions so far, Royce? So it's pretty straightforward. No. Beautiful.\n\nNow if you can scroll to the next page for me, I'll just kind of quickly talk through what those investment changes are. So that is page 16 or 17. You should have, like, an investment table. Yep. Yep.\n\nPerfect. So, basically, this can look a little bit messy. But, basically, what it it shows, it shows you your investment name. So, basically, what you are invested in currently. It then shows you this special kind of code.\n\nIt shows how much you actually have in each option. And then, basically, what that looks like from a dollar value point of view. And then you have the the buy and sell column. Now everything in red is what we are either selling or just rebalancing your portfolio. So the only two investments we are changing is the top one where it says Benelong Australian equity.\n\nYep. We are selling out of that one and instead introducing the one at the bottom where it says beta shares Australia two hundred. Can you see that? Yep. Perfect.\n\nThe reason being is that Benelon, that was that investment I touched on a little bit during the annual review that I did wanna consider looking at changing for you because it's been underperforming a little bit recently. So changing that one for an alternative, which is the BetaShares Australia two hundred, it is another Australian investment, but it has performed quite a bit better than Benelon recently. It's a bit cheaper as well, so that's where you save some of those fees. And it is very diversified in that it invests in the 200 largest companies listed in Australia. So very diversified within that one investment option.\n\nDoes that make sense? Yep. Perfect. The only other change is that we are selling out of BetaShares Australia Bank Hybrid. So that is the third one, which is one of your, yeah, one of your kind of alternative defensive investments that are phasing that one out.\n\nSo instead, we are introducing a little bit more into another of your defensive investments, which is the iShares composite bond. Basically, just fixed interest, just swapping and defensive for another defensive, essentially, for you. Yep. The rest of the changes, it is literally just rebalancing your portfolio. So it is keeping the investments you currently have, just shifting the percentages around back to alignment.\n\nSo, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away from, like, its intended asset allocation. So, basically, rebalancing. It just kind of means buying and selling investments where rebalance, realigning everything back into, kind of alignment. And by doing so, it basically just helps ensure that your investments continue to align with that growth risk profile for you as well as the how the portfolio was intended and your objectives and everything like that. So making sure it's not unintentionally more or less risky than what it's designed to do.\n\nDoes that make sense? Yep. Beautiful. So literally just two swaps and then just rebalance. So pretty straightforward.\n\nNow now as you scroll through page eighteen nineteen, you should see a asset allocation, little pie chart, and a table for me. Yep. This basically shows that risk profile. Like I said, we are keeping you in growth, not changing it. Both existing and proposed very much aligned with your risk profile.\n\nSo not really any changes when it comes to that. Yep. Beautiful. Now the last thing I do wanna mention, again, is just in regards to that fee structure. So there's no changes in regards to that for you at all.\n\nStays exactly the same, like I mentioned during the annual review, and there's no additional fees and charges whatsoever in regards to this. This is all part of the ongoing fee structure for you. So do you have any questions for me at this point, Rose? No. Perfect.\n\nSo, basically, from here, if you wanted to take some time to have a read over the document, you are more than welcome to do so. If you are happy to go ahead with the recommendation, to do that, it would just be to add the little signature digitally where you are now. It will ask for your signature and your date, and then it will send it back to me. And that tells me that you are happy to go ahead with these couple of investment changes, and I will let the team know to go ahead with that as soon as that comes through. Perfect.\n\nLet me refresh on my end and see if it comes through. Yeah. Sometimes it takes a minute, but usually once you hit validate, it goes through pretty quickly. Let me see here. No.\n\nThat's all good. Do you have much more work left to do today? Yeah. You're ready to clock off. Now, Royce, I can see that that's come through, which is great.\n\nSo I will let the team know. We'll go ahead and make this couple of investment changes for you. But if there's anything you need at any point in time, don't hesitate to give us a call or send me an email, and we can always get you scheduled in. Yep. No worries.\n\nThank you so much for your time today, and hopefully, it all goes well tomorrow. No worries. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Rose.","start":3.9199998,"end":5.22,"sentiment":"neutral","sentiment_score":0.22943120698134103},{"text":"This is Veronica from ICU Financial.","start":5.2799997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.18544883777697882},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.19067154824733734},{"text":"I'm good.","start":10.08,"end":10.719999,"sentiment":"positive","sentiment_score":0.5836271643638611},{"text":"Thanks.","start":10.719999,"end":11.219999,"sentiment":"positive","sentiment_score":0.6286429762840271}],"sentiment":"neutral","sentiment_score":0.2779265731573105,"num_words":15,"start":3.9199998,"end":11.219999},{"sentences":[{"text":"I had you booked in pretty quick today, but just to go over the research I did on your super investments.","start":11.759999,"end":17.865,"sentiment":"neutral","sentiment_score":0.2796032414549873},{"text":"Is now still a good time?","start":17.865,"end":19.244999,"sentiment":"neutral","sentiment_score":0.2744567890961965},{"text":"Yes.","start":20.904999,"end":21.404999,"sentiment":"neutral","sentiment_score":0.11377421766519548},{"text":"Okay.","start":21.625,"end":22.105,"sentiment":"neutral","sentiment_score":0.14004001021385193},{"text":"Perfect.","start":22.105,"end":22.605,"sentiment":"positive","sentiment_score":0.5006209015846252}],"sentiment":"neutral","sentiment_score":0.2757614644865195,"num_words":30,"start":11.759999,"end":22.605},{"sentences":[{"text":"I'll try not to take up too much of your time.","start":22.744999,"end":25.165,"sentiment":"neutral","sentiment_score":0.1782151162624359},{"text":"But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":26.77,"end":34.23,"sentiment":"neutral","sentiment_score":0.023678467608988285},{"text":"Yep.","start":35.25,"end":35.73,"sentiment":"neutral","sentiment_score":0.12615349888801575},{"text":"Perfect.","start":35.73,"end":36.23,"sentiment":"positive","sentiment_score":0.34690070152282715},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":36.69,"end":45.045002,"sentiment":"neutral","sentiment_score":0.11053468743639608}],"sentiment":"neutral","sentiment_score":0.09059712337329984,"num_words":72,"start":22.744999,"end":45.045002},{"sentences":[{"text":"Perfect.","start":52.145,"end":52.47,"sentiment":"neutral","sentiment_score":0.26799336075782776},{"text":"And how's your day been so far?","start":52.550003,"end":53.91,"sentiment":"neutral","sentiment_score":0.09745213921580996},{"text":"Been busy?","start":53.91,"end":54.73,"sentiment":"neutral","sentiment_score":-0.03988080844283104},{"text":"Oh, yeah.","start":58.63,"end":59.83,"sentiment":"neutral","sentiment_score":0.11994316428899765},{"text":"Lovely.","start":59.83,"end":60.33,"sentiment":"neutral","sentiment_score":0.26282691955566406}],"sentiment":"neutral","sentiment_score":0.1056238435781919,"num_words":13,"start":52.145,"end":60.33},{"sentences":[{"text":"Now, Royce, do you have access to your emails at the moment or or not really right now?","start":61.670002,"end":67.40501,"sentiment":"neutral","sentiment_score":0.007241249239693086},{"text":"Yes.","start":67.545006,"end":68.045006,"sentiment":"neutral","sentiment_score":0.04047800973057747},{"text":"Okay.","start":68.745,"end":69.145004,"sentiment":"neutral","sentiment_score":0.18897488713264465},{"text":"Beautiful.","start":69.145004,"end":69.645004,"sentiment":"positive","sentiment_score":0.4808960855007171},{"text":"It just makes it a bit easier as I go through this with you.","start":70.505005,"end":74.125,"sentiment":"positive","sentiment_score":0.37455025953905924}],"sentiment":"neutral","sentiment_score":0.1738398600635784,"num_words":35,"start":61.670002,"end":74.125},{"sentences":[{"text":"Now I have just sent you an email with the recommendation if you can access that for me.","start":74.425,"end":82.62,"sentiment":"neutral","sentiment_score":0.10446654839648141},{"text":"Yes, please.","start":83.56,"end":84.38,"sentiment":"neutral","sentiment_score":0.10444694757461548},{"text":"And when you click on the link, it should allow you to open up the statement of advice, and you should have a cover page where it says prepared for yourself and, like, a photo of the Gold Coast.","start":85.8,"end":98.815,"sentiment":"neutral","sentiment_score":0.0875371097563169},{"text":"You can see that okay?","start":98.815,"end":99.875,"sentiment":"neutral","sentiment_score":0.04207172095775604},{"text":"Yes.","start":104.495,"end":104.895004,"sentiment":"neutral","sentiment_score":0.04048861935734749}],"sentiment":"neutral","sentiment_score":0.08852440416812897,"num_words":65,"start":74.425,"end":104.895004},{"sentences":[{"text":"Yes.","start":104.895004,"end":105.135,"sentiment":"neutral","sentiment_score":0.04687144607305527},{"text":"If you press sign, it should then allow you to open up and look at everything first.","start":105.135,"end":109.33,"sentiment":"neutral","sentiment_score":0.07685329589773626},{"text":"Yeah.","start":112.590004,"end":112.91,"sentiment":"neutral","sentiment_score":0.03914615139365196},{"text":"Okay.","start":112.91,"end":113.41,"sentiment":"neutral","sentiment_score":0.1552255153656006},{"text":"Beautiful.","start":113.950005,"end":114.450005,"sentiment":"positive","sentiment_score":0.3931332230567932}],"sentiment":"neutral","sentiment_score":0.09242296981669608,"num_words":21,"start":104.895004,"end":114.450005},{"sentences":[{"text":"Now every time we do make a recommendation for you, we have to put everything in the statement of advice.","start":114.91,"end":122.450005,"sentiment":"neutral","sentiment_score":0.09614566527307034},{"text":"A lot of it is just for compliance purposes.","start":123.015,"end":125.515,"sentiment":"neutral","sentiment_score":-0.0016729340164197816},{"text":"So you will see it's 25 pages, but I won't go through all of that with you.","start":125.575005,"end":129.435,"sentiment":"neutral","sentiment_score":0.0419526101254365},{"text":"It is pretty straightforward today, but it is also just allows you the opportunity to read over everything just to make sure you understand everything.","start":129.655,"end":138.1,"sentiment":"positive","sentiment_score":0.4041625428199768},{"text":"Okay?","start":138.1,"end":138.6,"sentiment":"neutral","sentiment_score":0.0964241549372673}],"sentiment":"neutral","sentiment_score":0.17807693051226023,"num_words":72,"start":114.91,"end":138.6},{"sentences":[{"text":"Yep.","start":139.70001,"end":140.18001,"sentiment":"neutral","sentiment_score":0.24670350551605225},{"text":"Perfect.","start":140.18001,"end":140.68001,"sentiment":"positive","sentiment_score":0.6006318926811218},{"text":"Now if you scroll to the second page, it talks a little bit about the best interest duty.","start":140.98001,"end":146.02,"sentiment":"neutral","sentiment_score":0.11749067364467515},{"text":"Do you remember hearing about that before?","start":146.02,"end":150.97499,"sentiment":"neutral","sentiment_score":0.019593023295913423},{"text":"No?","start":151.035,"end":151.535,"sentiment":"neutral","sentiment_score":-0.19480976462364197}],"sentiment":"neutral","sentiment_score":0.10373246150889567,"num_words":28,"start":139.70001,"end":151.535},{"sentences":[{"text":"Basically no.","start":151.595,"end":153.19499,"sentiment":"neutral","sentiment_score":-0.3045050650835037},{"text":"That's all good.","start":153.19499,"end":154.255,"sentiment":"neutral","sentiment_score":-0.09716860204935074},{"text":"Basically, what it means is that we have to act in your best interest at all time, have to always put you first, and the advice itself has to put you in a better position as a result of the advice.","start":154.955,"end":168.2,"sentiment":"neutral","sentiment_score":0.05754593959668788},{"text":"Otherwise, we can't actually make the recommendation.","start":168.2,"end":170.38,"sentiment":"neutral","sentiment_score":-0.11904897966555186},{"text":"Does that make sense?","start":170.68001,"end":171.82,"sentiment":"neutral","sentiment_score":0.016272842418402433}],"sentiment":"neutral","sentiment_score":0.012116071915155962,"num_words":57,"start":151.595,"end":171.82},{"sentences":[{"text":"Yep.","start":172.44,"end":172.94,"sentiment":"neutral","sentiment_score":0.1275583803653717},{"text":"Yep.","start":173.0,"end":173.4,"sentiment":"neutral","sentiment_score":0.2279938906431198},{"text":"Beautiful.","start":173.4,"end":173.9,"sentiment":"positive","sentiment_score":0.5207281112670898},{"text":"Now if you can just scroll for me, you'll see table of content, pretty self explanatory, and it then takes us through scope of advice.","start":174.775,"end":183.915,"sentiment":"neutral","sentiment_score":0.14236800193786622},{"text":"Can you see that page?","start":184.055,"end":185.275,"sentiment":"neutral","sentiment_score":0.050769504904747007}],"sentiment":"neutral","sentiment_score":0.1421008471286658,"num_words":33,"start":172.44,"end":185.275},{"sentences":[{"text":"Yep.","start":185.655,"end":186.055,"sentiment":"neutral","sentiment_score":0.1740594506263733},{"text":"Perfect.","start":186.055,"end":186.555,"sentiment":"positive","sentiment_score":0.3628790974617005},{"text":"Now, basically, what this talks about is just the areas we are looking at today.","start":187.0,"end":190.78,"sentiment":"neutral","sentiment_score":0.09456241155664126},{"text":"So like I said, it is pretty straightforward.","start":191.16,"end":193.5,"sentiment":"neutral","sentiment_score":0.16045039426535368},{"text":"We are just looking at your superannuation, specifically having a look at your investments if you wanted to swap anything out that was underperforming through something a little bit better.","start":193.87999,"end":204.285,"sentiment":"neutral","sentiment_score":0.016045527532696724}],"sentiment":"neutral","sentiment_score":0.06764261275529862,"num_words":55,"start":185.655,"end":204.285},{"sentences":[{"text":"We're not making any changes to insurances or anything else.","start":204.74501,"end":207.945,"sentiment":"neutral","sentiment_score":-0.07898119576275349},{"text":"It is literally just focusing on that today.","start":207.945,"end":210.285,"sentiment":"neutral","sentiment_score":0.05748598324134946},{"text":"Yep.","start":211.38501,"end":211.88501,"sentiment":"neutral","sentiment_score":0.16792529821395874},{"text":"Beautiful.","start":212.10501,"end":212.60501,"sentiment":"positive","sentiment_score":0.42094528675079346},{"text":"Now if you can scroll down for me through page eight.","start":212.95,"end":219.45,"sentiment":"neutral","sentiment_score":0.09046146984804761}],"sentiment":"neutral","sentiment_score":0.04045234392246892,"num_words":31,"start":204.74501,"end":219.45},{"sentences":[{"text":"Yep.","start":222.15,"end":222.62999,"sentiment":"neutral","sentiment_score":0.03865969181060791},{"text":"So what you scroll through, you'll see you saw just a couple of pages to some personal information about you, your kind of your insurances and stuff, again, that we touched on during the annual review.","start":222.62999,"end":234.105,"sentiment":"neutral","sentiment_score":0.06104594081019362},{"text":"But you should then see a page now where it says your risk profile.","start":234.325,"end":238.025,"sentiment":"neutral","sentiment_score":0.027630503422447612},{"text":"Is that the page you're on?","start":238.245,"end":239.605,"sentiment":"neutral","sentiment_score":0.020866084843873978},{"text":"Yep.","start":239.605,"end":240.105,"sentiment":"neutral","sentiment_score":0.020234806463122368}],"sentiment":"neutral","sentiment_score":0.047733998696865704,"num_words":58,"start":222.15,"end":240.105},{"sentences":[{"text":"Beautiful.","start":242.09999,"end":242.18,"sentiment":"positive","sentiment_score":0.3914221525192261},{"text":"Yep.","start":242.18,"end":242.66,"sentiment":"neutral","sentiment_score":0.16808056831359863},{"text":"Perfect.","start":242.66,"end":243.16,"sentiment":"positive","sentiment_score":0.3920461535453797},{"text":"And now, basically, what this talks about is just your risk profile.","start":243.3,"end":246.68,"sentiment":"neutral","sentiment_score":0.0657138415845111},{"text":"And now during the annual review, we kind of determined that a growth portfolio is still suitable for you.","start":246.73999,"end":252.18,"sentiment":"neutral","sentiment_score":0.09705327372801931}],"sentiment":"neutral","sentiment_score":0.10541550512425601,"num_words":34,"start":242.09999,"end":252.18},{"sentences":[{"text":"You still have plenty of time until retirement.","start":252.18,"end":254.44,"sentiment":"neutral","sentiment_score":0.25840186327695847},{"text":"So the goal is very much to grow your super as much as possible.","start":255.755,"end":259.135,"sentiment":"positive","sentiment_score":0.4920297861099243},{"text":"Understand there will be some short term fluctuations in order to grow that, so we are not making any changes in regards to your risk profile today.","start":259.67502,"end":267.995,"sentiment":"neutral","sentiment_score":-0.13775780162325613},{"text":"It's keeping that the same.","start":267.995,"end":269.45502,"sentiment":"neutral","sentiment_score":0.11991426795721054},{"text":"Yep.","start":269.595,"end":270.095,"sentiment":"neutral","sentiment_score":0.0999911054968834}],"sentiment":"neutral","sentiment_score":0.10792243114926599,"num_words":55,"start":252.18,"end":270.095},{"sentences":[{"text":"Perfect.","start":270.43997,"end":270.93997,"sentiment":"positive","sentiment_score":0.5002124309539795},{"text":"Now if you can scroll to page 10 or could be 11 depending if it counts as the cover page, but it should say Royce retain your hub twenty four superannuation on the heading there.","start":271.56,"end":282.645,"sentiment":"neutral","sentiment_score":0.1489360104714121},{"text":"Yep.","start":286.00497,"end":286.50497,"sentiment":"neutral","sentiment_score":0.08214931935071945},{"text":"So this basically outlines the recommendation itself.","start":286.72498,"end":290.645,"sentiment":"neutral","sentiment_score":0.14272684071745192},{"text":"I have also put it in a table to make it a little bit easier.","start":290.645,"end":294.025,"sentiment":"neutral","sentiment_score":0.17678548991680146}],"sentiment":"neutral","sentiment_score":0.16010156526403913,"num_words":59,"start":270.43997,"end":294.025},{"sentences":[{"text":"But, essentially, as part of the research, I did also consider other super funds for you because it is important for us to always assess and making sure that the super fund we have you in is the best one for you.","start":294.9,"end":308.535,"sentiment":"neutral","sentiment_score":0.17443127575374784},{"text":"There is absolutely nothing tying us to Hub twenty four, so it is good for us to do research just to make sure because there's always new products and features that are always continuously coming out.","start":308.775,"end":319.275,"sentiment":"neutral","sentiment_score":0.09269613441493776},{"text":"After doing research, Hub twenty four is still very much competitive.","start":319.895,"end":324.68,"sentiment":"positive","sentiment_score":0.36290940100496466},{"text":"It's very competitive when it comes to the fees and features and investment choices.","start":325.14,"end":329.64,"sentiment":"positive","sentiment_score":0.42093284002372194},{"text":"I do use Hub 24 for my personal super as well.","start":330.18,"end":333.54,"sentiment":"positive","sentiment_score":0.4013186205517162}],"sentiment":"neutral","sentiment_score":0.21897142471974357,"num_words":114,"start":294.9,"end":333.54},{"sentences":[{"text":"So I have recommended that we keep you in Hub 24, just literally changing a couple of investments around for you.","start":333.54,"end":340.285,"sentiment":"neutral","sentiment_score":0.31556354463100433},{"text":"Yep.","start":341.46503,"end":341.96503,"sentiment":"neutral","sentiment_score":0.2863461673259735},{"text":"Perfect.","start":342.42502,"end":342.92502,"sentiment":"positive","sentiment_score":0.4424106478691101},{"text":"Now if you can scroll down through page 14 or 15, you should have a fee comparison table.","start":343.46503,"end":353.74,"sentiment":"neutral","sentiment_score":0.134372026556068},{"text":"Yep.","start":355.63998,"end":356.13998,"sentiment":"neutral","sentiment_score":0.03244469314813614}],"sentiment":"neutral","sentiment_score":0.23349362913341748,"num_words":42,"start":333.54,"end":356.13998},{"sentences":[{"text":"Yep.","start":357.32,"end":357.72,"sentiment":"neutral","sentiment_score":0.12569010257720947},{"text":"Perfect.","start":357.72,"end":358.22,"sentiment":"neutral","sentiment_score":0.32573240995407104},{"text":"So, basically, what you scroll through is kind of what I will summarize in the table here for you.","start":358.6,"end":363.4,"sentiment":"neutral","sentiment_score":0.14283127259267003},{"text":"It talks about the recommendation advantages and risks and disadvantages to be mindful of, but I often find that seeing it kind of outlined in this table makes it a little bit easier.","start":363.4,"end":374.325,"sentiment":"neutral","sentiment_score":0.18299795292092091},{"text":"Now what you will see here, you'll see your current situation listed first.","start":374.945,"end":380.725,"sentiment":"neutral","sentiment_score":0.15089896693825722}],"sentiment":"neutral","sentiment_score":0.1666542643041753,"num_words":67,"start":357.32,"end":380.725},{"sentences":[{"text":"You can see your growth profile at the moment.","start":382.16998,"end":385.71,"sentiment":"neutral","sentiment_score":0.13541457056999207},{"text":"And underneath that, you should see where it says eight point five three percent five year rolling average.","start":386.16998,"end":393.225,"sentiment":"neutral","sentiment_score":0.020732198272728257},{"text":"Can you see that?","start":393.305,"end":395.565,"sentiment":"neutral","sentiment_score":0.021964858286082745},{"text":"Yep.","start":396.42502,"end":396.92502,"sentiment":"neutral","sentiment_score":0.18452829122543335},{"text":"Perfect.","start":397.305,"end":397.805,"sentiment":"positive","sentiment_score":0.5325331687927246}],"sentiment":"neutral","sentiment_score":0.07263126052125837,"num_words":33,"start":382.16998,"end":397.805},{"sentences":[{"text":"So that basically shows and tells us that your current portfolio in Hub twenty four, when we are using a five year rolling average.","start":397.86502,"end":405.725,"sentiment":"neutral","sentiment_score":0.1937420510997375},{"text":"So the reason we use a five year rolling average is because it gives us more certainty of what has happened to the portfolio and the market because you can't guarantee anything.","start":405.83,"end":416.07,"sentiment":"neutral","sentiment_score":0.17639121820684522},{"text":"You don't know what's going to happen with the markets.","start":416.07,"end":419.13,"sentiment":"neutral","sentiment_score":0.04307388998568058},{"text":"But using a five year period of time and averaging it out on a yearly basis just gives us a little bit more certainty.","start":419.715,"end":426.61502,"sentiment":"neutral","sentiment_score":0.14207906307031712},{"text":"Does that make sense?","start":426.755,"end":427.73502,"sentiment":"neutral","sentiment_score":0.0921459048986435}],"sentiment":"neutral","sentiment_score":0.15429306640586954,"num_words":94,"start":397.86502,"end":427.73502},{"sentences":[{"text":"Yep.","start":428.755,"end":429.155,"sentiment":"neutral","sentiment_score":0.23557762801647184},{"text":"Beautiful.","start":429.155,"end":429.655,"sentiment":"positive","sentiment_score":0.5831241607666016},{"text":"Now on the recommended side, you can see that with only making some changes to your investments, everything else stays exactly the same.","start":430.195,"end":440.66,"sentiment":"positive","sentiment_score":0.3654158011726711},{"text":"No changes in advice to fees or contributions or insurances.","start":440.66,"end":443.96,"sentiment":"neutral","sentiment_score":0.17467831820249557},{"text":"It will save you about $569 in fees just from investment fees alone, which is pretty good.","start":444.9,"end":453.045,"sentiment":"positive","sentiment_score":0.6654942509006051}],"sentiment":"positive","sentiment_score":0.4285278973671106,"num_words":52,"start":428.755,"end":453.045},{"sentences":[{"text":"Yep.","start":454.305,"end":454.805,"sentiment":"neutral","sentiment_score":0.3020724058151245},{"text":"Perfect.","start":454.865,"end":455.365,"sentiment":"positive","sentiment_score":0.48843878507614136},{"text":"Now when you are also then looking at the same five year rolling average period, you can see that not only reducing the fees, but the recommended investment changes have also improved the performance a little bit.","start":455.985,"end":470.01,"sentiment":"positive","sentiment_score":0.4418988815836004},{"text":"So you can see that that's about 10.05%, which is good.","start":470.95,"end":476.65002,"sentiment":"positive","sentiment_score":0.3540314652703025},{"text":"Now often when we sell investments, there can be something that's called capital gains tax associated with the investment.","start":477.155,"end":485.97498,"sentiment":"neutral","sentiment_score":-0.028833455357112382}],"sentiment":"neutral","sentiment_score":0.29691710544453154,"num_words":69,"start":454.305,"end":485.97498},{"sentences":[{"text":"The same as if you were to sell, like, an investment property, you'd have to pay tax on the earnings.","start":486.35498,"end":491.175,"sentiment":"neutral","sentiment_score":-0.005907528568059206},{"text":"The same applies in a superannuation environment.","start":491.63998,"end":494.86,"sentiment":"neutral","sentiment_score":0.04515243268438748},{"text":"It is all taken care of within the superannuation.","start":495.4,"end":497.9,"sentiment":"neutral","sentiment_score":0.06656843299667041},{"text":"Those are not something you would have to declare yourself or pay for yourself personally.","start":498.28,"end":503.41998,"sentiment":"neutral","sentiment_score":0.0029809159537156423},{"text":"Correct.","start":505.865,"end":506.365,"sentiment":"neutral","sentiment_score":0.06294425576925278}],"sentiment":"neutral","sentiment_score":0.017397891336049024,"num_words":52,"start":486.35498,"end":506.365},{"sentences":[{"text":"The good thing is, though, that with a couple of investment changes I have recommended for you, there is estimated to be no capital gains tax, which is great.","start":506.505,"end":515.725,"sentiment":"positive","sentiment_score":0.35521693168015317},{"text":"Yep.","start":517.065,"end":517.565,"sentiment":"neutral","sentiment_score":0.12117069959640504},{"text":"If I were to sell all your investments and change it over, the the the tax would have been about 5,252, which, obviously, we want to avoid.","start":517.95,"end":527.65,"sentiment":"neutral","sentiment_score":0.06585192942508945},{"text":"So literally just making a couple of changes.","start":528.67004,"end":531.57,"sentiment":"neutral","sentiment_score":0.10651975311338902},{"text":"Now at the bottom of this page, you can see a projecting forward for five and ten years to show you as well that even though we're just making a few minor changes today, it does still make a pretty big difference where we are kind of compounding everything forward for you.","start":532.15497,"end":549.65,"sentiment":"neutral","sentiment_score":0.15171682017926985}],"sentiment":"neutral","sentiment_score":0.1789905682651915,"num_words":117,"start":506.505,"end":549.65},{"sentences":[{"text":"Yep.","start":549.65,"end":550.15,"sentiment":"positive","sentiment_score":0.34154999256134033},{"text":"Perfect.","start":550.29004,"end":550.79004,"sentiment":"positive","sentiment_score":0.5905150771141052},{"text":"Now on the next page, you should see annualized investment returns, like a table showing twelve, three, five, and ten years.","start":551.41003,"end":561.35004,"sentiment":"neutral","sentiment_score":0.2563014378150304},{"text":"And you can see that the recommended portfolio, again, has kind of outperformed your current portfolio as well, which is nice.","start":561.795,"end":569.495,"sentiment":"positive","sentiment_score":0.3696328813121432},{"text":"Yep.","start":569.795,"end":570.27496,"sentiment":"neutral","sentiment_score":0.295230507850647}],"sentiment":"neutral","sentiment_score":0.3193759173154831,"num_words":45,"start":549.65,"end":570.27496},{"sentences":[{"text":"Beautiful.","start":570.27496,"end":570.77496,"sentiment":"positive","sentiment_score":0.5222466588020325},{"text":"Any questions so far, Royce?","start":571.475,"end":572.835,"sentiment":"neutral","sentiment_score":0.16875920593738555},{"text":"So it's pretty straightforward.","start":572.835,"end":573.895,"sentiment":"neutral","sentiment_score":0.21107715740799904},{"text":"No.","start":574.915,"end":575.415,"sentiment":"neutral","sentiment_score":0.0493607334792614},{"text":"Beautiful.","start":575.635,"end":576.135,"sentiment":"neutral","sentiment_score":0.2863326668739319}],"sentiment":"neutral","sentiment_score":0.21217039320617914,"num_words":12,"start":570.27496,"end":576.135},{"sentences":[{"text":"Now if you can scroll to the next page for me, I'll just kind of quickly talk through what those investment changes are.","start":576.59,"end":582.67,"sentiment":"neutral","sentiment_score":0.09290704244504804},{"text":"So that is page 16 or 17.","start":582.67,"end":585.73,"sentiment":"neutral","sentiment_score":0.026724131777882576},{"text":"You should have, like, an investment table.","start":585.87,"end":588.37,"sentiment":"neutral","sentiment_score":0.03853476739355496},{"text":"Yep.","start":589.39,"end":589.89,"sentiment":"neutral","sentiment_score":0.024320904165506363},{"text":"Yep.","start":590.19,"end":590.69,"sentiment":"neutral","sentiment_score":0.0451819971203804}],"sentiment":"neutral","sentiment_score":0.06828659414671935,"num_words":39,"start":576.59,"end":590.69},{"sentences":[{"text":"Perfect.","start":590.91003,"end":591.41003,"sentiment":"neutral","sentiment_score":0.21109025180339813},{"text":"So, basically, this can look a little bit messy.","start":591.825,"end":594.805,"sentiment":"neutral","sentiment_score":0.03468901457058059},{"text":"But, basically, what it it shows, it shows you your investment name.","start":595.505,"end":601.04504,"sentiment":"neutral","sentiment_score":0.041486891297002636},{"text":"So, basically, what you are invested in currently.","start":601.185,"end":604.72504,"sentiment":"neutral","sentiment_score":0.049928659573197365},{"text":"It then shows you this special kind of code.","start":605.45996,"end":608.83997,"sentiment":"neutral","sentiment_score":0.06883217973841561}],"sentiment":"neutral","sentiment_score":0.05230905058292242,"num_words":39,"start":590.91003,"end":608.83997},{"sentences":[{"text":"It shows how much you actually have in each option.","start":609.77997,"end":613.95996,"sentiment":"neutral","sentiment_score":0.06205044128000736},{"text":"And then, basically, what that looks like from a dollar value point of view.","start":614.5,"end":618.36,"sentiment":"neutral","sentiment_score":0.05631901616496699},{"text":"And then you have the the buy and sell column.","start":618.755,"end":621.815,"sentiment":"neutral","sentiment_score":0.0447706151753664},{"text":"Now everything in red is what we are either selling or just rebalancing your portfolio.","start":622.195,"end":628.375,"sentiment":"neutral","sentiment_score":0.01833870473007361},{"text":"So the only two investments we are changing is the top one where it says Benelong Australian equity.","start":629.15497,"end":637.69995,"sentiment":"neutral","sentiment_score":0.03602817344168822}],"sentiment":"neutral","sentiment_score":0.041496484832309964,"num_words":67,"start":609.77997,"end":637.69995},{"sentences":[{"text":"Yep.","start":638.31995,"end":638.81995,"sentiment":"neutral","sentiment_score":0.041689932346343994},{"text":"We are selling out of that one and instead introducing the one at the bottom where it says beta shares Australia two hundred.","start":638.95996,"end":646.72504,"sentiment":"neutral","sentiment_score":0.03783341691545818},{"text":"Can you see that?","start":646.72504,"end":647.705,"sentiment":"neutral","sentiment_score":0.03606414794921875},{"text":"Yep.","start":648.48505,"end":648.98505,"sentiment":"neutral","sentiment_score":0.09201203286647797},{"text":"Perfect.","start":649.125,"end":649.625,"sentiment":"neutral","sentiment_score":0.2182883620262146}],"sentiment":"neutral","sentiment_score":0.045547183603048325,"num_words":30,"start":638.31995,"end":649.625},{"sentences":[{"text":"The reason being is that Benelon, that was that investment I touched on a little bit during the annual review that I did wanna consider looking at changing for you because it's been underperforming a little bit recently.","start":649.685,"end":661.145,"sentiment":"neutral","sentiment_score":-0.0560560109780023},{"text":"So changing that one for an alternative, which is the BetaShares Australia two hundred, it is another Australian investment, but it has performed quite a bit better than Benelon recently.","start":662.43,"end":673.995,"sentiment":"neutral","sentiment_score":0.2602198508878549},{"text":"It's a bit cheaper as well, so that's where you save some of those fees.","start":673.995,"end":677.61505,"sentiment":"positive","sentiment_score":0.461048835515976},{"text":"And it is very diversified in that it invests in the 200 largest companies listed in Australia.","start":678.155,"end":684.815,"sentiment":"neutral","sentiment_score":0.297062750248348},{"text":"So very diversified within that one investment option.","start":685.11505,"end":688.32,"sentiment":"neutral","sentiment_score":0.22533512115478516}],"sentiment":"neutral","sentiment_score":0.18004580894140182,"num_words":108,"start":649.685,"end":688.32},{"sentences":[{"text":"Does that make sense?","start":688.4,"end":689.54,"sentiment":"neutral","sentiment_score":0.17253483459353447},{"text":"Yep.","start":690.56,"end":690.96,"sentiment":"neutral","sentiment_score":0.23501458764076233},{"text":"Perfect.","start":690.96,"end":691.46,"sentiment":"positive","sentiment_score":0.5352129340171814},{"text":"The only other change is that we are selling out of BetaShares Australia Bank Hybrid.","start":691.76,"end":698.02,"sentiment":"neutral","sentiment_score":0.04686894305050373},{"text":"So that is the third one, which is one of your, yeah, one of your kind of alternative defensive investments that are phasing that one out.","start":698.08,"end":707.915,"sentiment":"neutral","sentiment_score":0.0302471721258301}],"sentiment":"neutral","sentiment_score":0.0627622868310898,"num_words":47,"start":688.4,"end":707.915},{"sentences":[{"text":"So instead, we are introducing a little bit more into another of your defensive investments, which is the iShares composite bond.","start":708.215,"end":716.91,"sentiment":"neutral","sentiment_score":0.07512242843707402},{"text":"Basically, just fixed interest, just swapping and defensive for another defensive, essentially, for you.","start":717.31,"end":723.17,"sentiment":"neutral","sentiment_score":0.06037845462560654},{"text":"Yep.","start":723.31,"end":723.81,"sentiment":"neutral","sentiment_score":0.05088556557893753},{"text":"The rest of the changes, it is literally just rebalancing your portfolio.","start":724.75,"end":729.64996,"sentiment":"neutral","sentiment_score":0.04626181504378716},{"text":"So it is keeping the investments you currently have, just shifting the percentages around back to alignment.","start":730.105,"end":736.925,"sentiment":"neutral","sentiment_score":0.07307879319962333}],"sentiment":"neutral","sentiment_score":0.06571132603746194,"num_words":65,"start":708.215,"end":736.925},{"sentences":[{"text":"So, basically, over time, different investments do perform differently, which can cause your portfolio to kind of drift away from, like, its intended asset allocation.","start":737.705,"end":749.68,"sentiment":"neutral","sentiment_score":-0.07615642644464969},{"text":"So, basically, rebalancing.","start":750.14,"end":751.83997,"sentiment":"neutral","sentiment_score":-0.003399813392510017},{"text":"It just kind of means buying and selling investments where rebalance, realigning everything back into, kind of alignment.","start":752.77997,"end":762.57495,"sentiment":"neutral","sentiment_score":0.04095463620291816},{"text":"And by doing so, it basically just helps ensure that your investments continue to align with that growth risk profile for you as well as the how the portfolio was intended and your objectives and everything like that.","start":763.595,"end":776.35004,"sentiment":"neutral","sentiment_score":0.09704151886858438},{"text":"So making sure it's not unintentionally more or less risky than what it's designed to do.","start":776.35004,"end":781.95,"sentiment":"neutral","sentiment_score":-0.024814415897708386}],"sentiment":"neutral","sentiment_score":0.021136204130016267,"num_words":100,"start":737.705,"end":781.95},{"sentences":[{"text":"Does that make sense?","start":781.95,"end":783.01,"sentiment":"neutral","sentiment_score":0.03038258384913206},{"text":"Yep.","start":784.19,"end":784.51,"sentiment":"neutral","sentiment_score":0.20355640351772308},{"text":"Beautiful.","start":784.51,"end":785.01,"sentiment":"positive","sentiment_score":0.5012171268463135},{"text":"So literally just two swaps and then just rebalance.","start":785.625,"end":788.685,"sentiment":"neutral","sentiment_score":0.21330087218019697},{"text":"So pretty straightforward.","start":788.825,"end":790.205,"sentiment":"positive","sentiment_score":0.391879399617513}],"sentiment":"neutral","sentiment_score":0.21786943967971537,"num_words":18,"start":781.95,"end":790.205},{"sentences":[{"text":"Now now as you scroll through page eighteen nineteen, you should see a asset allocation, little pie chart, and a table for me.","start":791.625,"end":801.13,"sentiment":"neutral","sentiment_score":0.07259037718176842},{"text":"Yep.","start":801.13,"end":801.63,"sentiment":"neutral","sentiment_score":0.05153440684080124},{"text":"This basically shows that risk profile.","start":801.93,"end":804.11,"sentiment":"neutral","sentiment_score":0.03171208097289006},{"text":"Like I said, we are keeping you in growth, not changing it.","start":804.17,"end":807.87,"sentiment":"neutral","sentiment_score":0.10000826294223468},{"text":"Both existing and proposed very much aligned with your risk profile.","start":808.00995,"end":812.415,"sentiment":"neutral","sentiment_score":0.23846785724163055}],"sentiment":"neutral","sentiment_score":0.10820058778912392,"num_words":53,"start":791.625,"end":812.415},{"sentences":[{"text":"So not really any changes when it comes to that.","start":812.65497,"end":815.235,"sentiment":"neutral","sentiment_score":0.10422182790935039},{"text":"Yep.","start":816.255,"end":816.755,"sentiment":"positive","sentiment_score":0.5305781364440918},{"text":"Beautiful.","start":816.815,"end":817.315,"sentiment":"positive","sentiment_score":0.7382053136825562},{"text":"Now the last thing I do wanna mention, again, is just in regards to that fee structure.","start":817.77496,"end":822.01495,"sentiment":"neutral","sentiment_score":0.14941969952162573},{"text":"So there's no changes in regards to that for you at all.","start":822.01495,"end":825.06,"sentiment":"neutral","sentiment_score":0.1673644824574391}],"sentiment":"neutral","sentiment_score":0.16730513196529412,"num_words":41,"start":812.65497,"end":825.06},{"sentences":[{"text":"Stays exactly the same, like I mentioned during the annual review, and there's no additional fees and charges whatsoever in regards to this.","start":825.3,"end":833.54,"sentiment":"neutral","sentiment_score":0.2575865206511124},{"text":"This is all part of the ongoing fee structure for you.","start":833.54,"end":837.815,"sentiment":"neutral","sentiment_score":0.2676439596848054},{"text":"So do you have any questions for me at this point, Rose?","start":838.275,"end":842.135,"sentiment":"neutral","sentiment_score":0.07797241831819217},{"text":"No.","start":843.47504,"end":843.955,"sentiment":"neutral","sentiment_score":-0.10011659562587738},{"text":"Perfect.","start":843.955,"end":844.455,"sentiment":"positive","sentiment_score":0.5006603002548218}],"sentiment":"neutral","sentiment_score":0.21259971366574368,"num_words":48,"start":825.3,"end":844.455},{"sentences":[{"text":"So, basically, from here, if you wanted to take some time to have a read over the document, you are more than welcome to do so.","start":845.795,"end":852.455,"sentiment":"neutral","sentiment_score":0.1837547541810916},{"text":"If you are happy to go ahead with the recommendation, to do that, it would just be to add the little signature digitally where you are now.","start":852.835,"end":862.58997,"sentiment":"neutral","sentiment_score":0.18193545330453803},{"text":"It will ask for your signature and your date, and then it will send it back to me.","start":863.20996,"end":868.565,"sentiment":"neutral","sentiment_score":0.2406001885732015},{"text":"And that tells me that you are happy to go ahead with these couple of investment changes, and I will let the team know to go ahead with that as soon as that comes through.","start":868.565,"end":877.2,"sentiment":"positive","sentiment_score":0.3604750284126827},{"text":"Perfect.","start":881.28,"end":881.76,"sentiment":"neutral","sentiment_score":0.28955182433128357}],"sentiment":"neutral","sentiment_score":0.2516529164581655,"num_words":107,"start":845.795,"end":881.76},{"sentences":[{"text":"Let me refresh on my end and see if it comes through.","start":881.76,"end":885.94,"sentiment":"neutral","sentiment_score":0.1346180501083533},{"text":"Yeah.","start":888.72003,"end":889.04004,"sentiment":"neutral","sentiment_score":0.07927369326353073},{"text":"Sometimes it takes a minute, but usually once you hit validate, it goes through pretty quickly.","start":889.04004,"end":894.845,"sentiment":"neutral","sentiment_score":0.12587033119052649},{"text":"Let me see here.","start":895.865,"end":897.165,"sentiment":"neutral","sentiment_score":0.05729635339230299},{"text":"No.","start":904.745,"end":904.90497,"sentiment":"neutral","sentiment_score":0.024911783635616302}],"sentiment":"neutral","sentiment_score":0.11655037620050065,"num_words":34,"start":881.76,"end":904.90497},{"sentences":[{"text":"That's all good.","start":904.90497,"end":905.96497,"sentiment":"neutral","sentiment_score":0.12706019977728525},{"text":"Do you have much more work left to do today?","start":906.99,"end":909.65,"sentiment":"neutral","sentiment_score":0.029204448312520982},{"text":"Yeah.","start":913.71,"end":914.21,"sentiment":"neutral","sentiment_score":0.028900152072310448},{"text":"You're ready to clock off.","start":917.63,"end":919.17004,"sentiment":"neutral","sentiment_score":0.11689181327819824},{"text":"Now, Royce, I can see that that's come through, which is great.","start":920.655,"end":923.55505,"sentiment":"positive","sentiment_score":0.3913615569472313}],"sentiment":"neutral","sentiment_score":0.19299751562216588,"num_words":31,"start":904.90497,"end":923.55505},{"sentences":[{"text":"So I will let the team know.","start":924.015,"end":925.53503,"sentiment":"neutral","sentiment_score":0.33269765973091125},{"text":"We'll go ahead and make this couple of investment changes for you.","start":925.53503,"end":928.99506,"sentiment":"neutral","sentiment_score":0.29755355914433795},{"text":"But if there's anything you need at any point in time, don't hesitate to give us a call or send me an email, and we can always get you scheduled in.","start":929.375,"end":938.08,"sentiment":"neutral","sentiment_score":0.14570773080472024},{"text":"Yep.","start":939.26,"end":939.76,"sentiment":"neutral","sentiment_score":0.2615390419960022},{"text":"No worries.","start":940.06,"end":940.62,"sentiment":"positive","sentiment_score":0.45743483304977417}],"sentiment":"neutral","sentiment_score":0.2187334847337795,"num_words":53,"start":924.015,"end":940.62},{"sentences":[{"text":"Thank you so much for your time today, and hopefully, it all goes well tomorrow.","start":940.62,"end":943.76,"sentiment":"positive","sentiment_score":0.8361727794011434},{"text":"No worries.","start":946.3,"end":946.86,"sentiment":"neutral","sentiment_score":0.26046883314847946},{"text":"You too.","start":946.86,"end":947.42004,"sentiment":"neutral","sentiment_score":0.3157837688922882},{"text":"Bye.","start":947.42004,"end":947.92004,"sentiment":"neutral","sentiment_score":0.21031105518341064}],"sentiment":"positive","sentiment_score":0.6952703975141048,"num_words":20,"start":940.62,"end":947.92004}]}}]},{"alternatives":[{"transcript":"Yeah. It's Royce. It's Hello? Good. Thanks. How are you? Yep. Yeah. Yep. Yep. Yeah. That's alright. Yep. Nineteen eleven ninety one. Royce Jack, Itasca. '18 baby sick. Very yeah. Very busy. Maintenance maintenance day tomorrow, so getting ready. Yeah. Yeah. Yeah. I'll have my. Yeah. A signature request, that one? Yeah. Yeah. Not yet. Do I just put someone document? Do I press that bit? Right? Yeah. Oh, yeah. Yeah. I see it. Yeah. Yeah. Yep. Yep. No. Maybe. Yeah. Yeah. Yeah. Yeah. Yeah. Right here. Yeah. Yep. Yep. Righty. Yep. Alright. Yep. Yep. Yep. Yep. Yep. Now I am. That's page nine. Yep. Yep. Yep. Yep. Radio. Yep. Yep. Yep. Yep. Yep. Alrighty. Yep. Yep. Right. Yeah. Sounds good. Yep. Cost comparison page. Yep. Yep. Yeah. Yep. Okay. Yeah. That's it. Yep. Yep. Yep. We're ready. Yeah. Yes. Yep. Yep. Righty. That's it. Yep. Just come down and see if I Yep. Yep. Righty o. Yeah, bro. Yeah. Yep. Yeah. Oh, yes. Right. Yeah. Yep. Yep. Yep. No. Please record. Yep. Radio. Yep. And this yep. 7AM. Yep. Yep. Yep. Right. Yeah. Hang on. Yep. Yeah. Right. Yeah. Yep. Yep. Yep. Radio. Yeah. Radio. Yeah. Yeah. Yep. Yeah. Yep. Yep. It's right here. Yes. Yep. Right here. Yeah. Yep. Forward. Yep. Yep. Yep. Good. Yep. No. No. I'm all good. Yep. No. That I think I did it. It says wired. Still loading. Yeah. No. No. I just want a bit more planning for tomorrow. But, yeah, I start I start at three in the morning, so nearly done. Yeah. Yep. Yep. Radio. Thank you. Yep. Radio. Have a good day. Yeah. 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all good.","start":843.51,"end":844.215,"sentiment":"neutral","sentiment_score":0.05641821771860123},{"text":"Yep.","start":863.39996,"end":863.89996,"sentiment":"neutral","sentiment_score":0.21086716651916504},{"text":"No.","start":879.17505,"end":879.35504,"sentiment":"neutral","sentiment_score":0.01919851079583168}],"sentiment":"neutral","sentiment_score":0.03713037871888706,"num_words":7,"start":842.55,"end":879.35504},{"sentences":[{"text":"That I think I did it.","start":879.35504,"end":880.875,"sentiment":"neutral","sentiment_score":0.0613494577507178},{"text":"It says wired.","start":886.53503,"end":887.67,"sentiment":"neutral","sentiment_score":0.05905449638764063},{"text":"Still loading.","start":902.57495,"end":903.39496,"sentiment":"neutral","sentiment_score":0.03741622343659401},{"text":"Yeah.","start":906.975,"end":907.475,"sentiment":"neutral","sentiment_score":0.06083869189023971},{"text":"No.","start":910.255,"end":910.755,"sentiment":"neutral","sentiment_score":-0.07895527780056}],"sentiment":"neutral","sentiment_score":0.0463058535869305,"num_words":13,"start":879.35504,"end":910.755},{"sentences":[{"text":"No.","start":911.21497,"end":911.375,"sentiment":"neutral","sentiment_score":-0.08278406411409378},{"text":"I just want a bit more planning for tomorrow.","start":911.375,"end":913.555,"sentiment":"neutral","sentiment_score":-0.07776248827576637},{"text":"But, yeah, I start I start at three in the morning, so nearly done.","start":913.82,"end":917.52,"sentiment":"neutral","sentiment_score":0.10323511676064559},{"text":"Yeah.","start":919.42,"end":919.92,"sentiment":"neutral","sentiment_score":0.1720534712076187},{"text":"Yep.","start":927.46497,"end":927.96497,"sentiment":"neutral","sentiment_score":0.19676439464092255}],"sentiment":"neutral","sentiment_score":0.039671655457753405,"num_words":26,"start":911.21497,"end":927.96497},{"sentences":[{"text":"Yep.","start":938.185,"end":938.665,"sentiment":"neutral","sentiment_score":0.11161328852176666},{"text":"Radio.","start":938.665,"end":939.14496,"sentiment":"neutral","sentiment_score":0.13627025485038757},{"text":"Thank you.","start":939.14496,"end":939.96497,"sentiment":"neutral","sentiment_score":0.25960635393857956},{"text":"Yep.","start":944.28894,"end":944.78894,"sentiment":"positive","sentiment_score":0.45711421966552734},{"text":"Radio.","start":945.0089,"end":945.48895,"sentiment":"positive","sentiment_score":0.4268535077571869}],"sentiment":"neutral","sentiment_score":0.27517732977867126,"num_words":6,"start":938.185,"end":945.48895},{"sentences":[{"text":"Have a good day.","start":945.48895,"end":946.2089,"sentiment":"positive","sentiment_score":0.6552170217037201},{"text":"Yeah.","start":946.2089,"end":946.7089,"sentiment":"positive","sentiment_score":0.3405538499355316},{"text":"Bye.","start":947.8889,"end":948.3889,"sentiment":"neutral","sentiment_score":-0.09400127828121184}],"sentiment":"positive","sentiment_score":0.47790344307820004,"num_words":6,"start":945.48895,"end":948.3889}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Yeah. It's Royce. It's\n\nChannel 0: Good\n\nChannel 1: Hello?\n\nChannel 0: afternoon, Rose. This is Veronica from ICU Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in pretty quick today, but just to go over the research I did on your super investments. Is now still a good time?\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: Yes. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I'll try not to take up too much of your time.\n\nChannel 1: Yeah. That's alright.\n\nChannel 0: But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Nineteen eleven ninety one. Royce Jack, Itasca. '18 baby sick.\n\nChannel 0: Perfect. And how's your day been so far? Been busy?\n\nChannel 1: Very yeah. Very busy. Maintenance maintenance day tomorrow, so getting ready.\n\nChannel 0: Oh, yeah. Lovely.\n\nChannel 1: Yeah.\n\nChannel 0: Now, Royce, do you have access to your emails at the moment or or not really right\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: now?\n\nChannel 1: I'll have\n\nChannel 0: Yes.\n\nChannel 1: my.\n\nChannel 0: Okay. Beautiful. It just makes it a bit easier as I go through this with you. Now\n\nChannel 1: Yeah.\n\nChannel 0: I have just sent you an email with the recommendation if you can access that for\n\nChannel 1: A signature\n\nChannel 0: me.\n\nChannel 1: request, that one?\n\nChannel 0: Yes, please. And when you click on the link, it should allow you to open up the statement of advice, and you should have a cover page where it says prepared for\n\nChannel 1: Yeah.\n\nChannel 0: yourself and,\n\nChannel 1: Yeah.\n\nChannel 0: like, a photo of the Gold Coast. You can see that okay?\n\nChannel 1: Not yet. Do I just put someone document? Do I press that bit? Right?\n\nChannel 0: Yes. Yes. If you press\n\nChannel 1: Yeah.\n\nChannel 0: sign, it should then allow you to open up and look at everything first.\n\nChannel 1: Oh, yeah. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: see it.\n\nChannel 0: Okay. Beautiful. Now every time we do make a recommendation for you, we have to put everything in the statement of advice. A lot\n\nChannel 1: Yeah.\n\nChannel 0: of it is just for compliance purposes. So you will see it's 25 pages, but I won't go through all of that with you.\n\nChannel 1: Yeah.\n\nChannel 0: It is pretty straightforward today, but it is also just allows you the opportunity to read over everything just to make sure you understand everything.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now if you scroll to the second page, it talks a little bit about the best interest duty. Do you remember hearing about that before?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: Maybe.\n\nChannel 0: Basically no. That's all good. Basically, what it means is that we have to act in your best interest at all time,\n\nChannel 1: Yeah.\n\nChannel 0: have to always put you first, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Beautiful. Now if you can just scroll for me, you'll see table of content, pretty self\n\nChannel 1: Yeah.\n\nChannel 0: explanatory, and it then takes us through scope of advice. Can you see that\n\nChannel 1: Yeah.\n\nChannel 0: page?\n\nChannel 1: Right here. Yeah.\n\nChannel 0: Yep. Perfect. Now, basically, what this talks about is just the areas we are looking at today. So like I said, it is pretty straightforward. We are just looking at your superannuation, specifically having a look at your investments if you wanted to swap anything out that was underperforming through something a little bit better.\n\nWe're\n\nChannel 1: Yep.\n\nChannel 0: not making any changes to insurances or anything else. It is literally just focusing on that today.\n\nChannel 1: Yep. Righty. Yep.\n\nChannel 0: Yep. Beautiful. Now if you can scroll down for me through page eight.\n\nChannel 1: Alright. Yep.\n\nChannel 0: Yep. So what you scroll through, you'll see you saw just a couple of pages to some personal information about you, your\n\nChannel 1: Yep.\n\nChannel 0: kind of your insurances and stuff, again, that we touched on during the annual review. But you should then see a page now where it says your risk profile.\n\nChannel 1: Yep.\n\nChannel 0: Is that the\n\nChannel 1: Yep.\n\nChannel 0: page you're on? Yep.\n\nChannel 1: Yep. Now I am. That's page nine.\n\nChannel 0: Beautiful. Yep. Perfect. And now, basically, what this talks about is just your risk profile. And now during the annual review, we kind of determined that a growth portfolio is still suitable for you.\n\nYou still\n\nChannel 1: Yep. Yep.\n\nChannel 0: have plenty of time until retirement. So the goal is very much to grow your super as much as possible. Understand there will be some short term fluctuations in order to grow that, so we are not making any changes in regards to your risk profile today. It's keeping that\n\nChannel 1: Yep.\n\nChannel 0: the same. Yep.\n\nChannel 1: Yep. Radio.\n\nChannel 0: Perfect. Now if you can scroll to page 10 or could be 11 depending if it counts as the cover page, but it should say Royce retain your hub twenty four superannuation on the heading there.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So this basically outlines the recommendation itself. I have also put it in a table to make it a little bit easier. But, essentially, as part of the research, I did also consider other super funds for you because\n\nChannel 1: Yep.\n\nChannel 0: it is important for us to always assess and making sure that the super fund we have you in is the best one for you. There is absolutely nothing tying us to Hub twenty four, so it is good for us to do research just to make sure because\n\nChannel 1: Yep.\n\nChannel 0: there's always new products and features that are always continuously coming out.\n\nChannel 1: Yep.\n\nChannel 0: After\n\nChannel 1: Alrighty.\n\nChannel 0: doing\n\nChannel 1: Yep.\n\nChannel 0: research, Hub twenty four is still very much competitive. It's very competitive when it comes to the fees and features and investment choices. I do use Hub 24 for my personal super as well. So I\n\nChannel 1: Yep.\n\nChannel 0: have recommended that we keep you in Hub 24, just literally changing a couple of investments around for you.\n\nChannel 1: Right. Yeah. Sounds good.\n\nChannel 0: Yep. Perfect. Now if you can scroll down through page 14 or 15, you should have a fee comparison table.\n\nChannel 1: Yep. Cost comparison\n\nChannel 0: Yep.\n\nChannel 1: page. Yep.\n\nChannel 0: Yep. Perfect. So, basically, what you scroll through is kind of what I will summarize in the table here for you. It talks about the recommendation advantages and risks and disadvantages to be mindful of, but I\n\nChannel 1: Yep.\n\nChannel 0: often find that seeing it kind of outlined in this table makes it a little bit easier. Now what you will see here, you'll see your current situation listed first.\n\nChannel 1: Yeah.\n\nChannel 0: You can see your growth profile at the moment. And underneath that, you should see where it says eight point five three percent five year rolling average. Can you see that?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. So that basically shows and tells us that your current portfolio in Hub twenty four, when we are using a five year rolling average. So the reason we use a five year rolling average is because it gives us more certainty of what has happened to the portfolio and the market because you can't guarantee anything. You don't know what's going to happen\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: That's it.\n\nChannel 0: the markets. But using a five year period of time and averaging it out on a yearly basis just gives us a little bit more certainty. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now on the recommended side, you can see that with only making some changes to your investments, everything else stays exactly the same. No changes in advice to fees or contributions or insurances.\n\nChannel 1: Yep.\n\nChannel 0: It will save you about $569 in fees just from investment fees alone, which is pretty good.\n\nChannel 1: Yep. We're ready. Yeah.\n\nChannel 0: Yep. Perfect. Now when you are also then looking at the same five year rolling average period, you can see that not only reducing the fees, but the recommended investment changes have also improved the performance a little bit. So\n\nChannel 1: Yes.\n\nChannel 0: you can see that that's about 10.05%, which is good. Now often when we sell investments, there can be something that's called capital gains tax associated with the investment. The same as if you were to sell, like, an investment property, you'd have to pay tax on the earnings. The same applies in a superannuation environment. It is all taken\n\nChannel 1: Yep.\n\nChannel 0: care of within the superannuation. Those are not something you would have to declare yourself\n\nChannel 1: Yep.\n\nChannel 0: or\n\nChannel 1: Righty.\n\nChannel 0: pay\n\nChannel 1: That's\n\nChannel 0: for\n\nChannel 1: it.\n\nChannel 0: yourself\n\nChannel 1: Yep.\n\nChannel 0: personally.\n\nChannel 1: Just come down and see if\n\nChannel 0: Correct. The good\n\nChannel 1: I\n\nChannel 0: thing\n\nChannel 1: Yep.\n\nChannel 0: is, though, that with a couple of investment changes I have recommended for you, there is estimated to be no capital gains tax, which is great.\n\nChannel 1: Yep.\n\nChannel 0: Yep. If I were to sell all\n\nChannel 1: Righty\n\nChannel 0: your investments and change it over, the the the\n\nChannel 1: o.\n\nChannel 0: tax would have been about 5,252, which, obviously, we\n\nChannel 1: Yeah,\n\nChannel 0: want to\n\nChannel 1: bro.\n\nChannel 0: avoid.\n\nChannel 1: Yeah. Yep. Yeah.\n\nChannel 0: So literally just making a couple of changes. Now at the bottom of this page, you can see a projecting forward for five and ten years to show you as well that even though we're just making a few minor changes today, it does still make a pretty big difference where we are kind of compounding everything forward\n\nChannel 1: Oh, yes. Right. Yeah.\n\nChannel 0: for you. Yep. Perfect. Now on the next page, you should see annualized investment returns,\n\nChannel 1: Yep.\n\nChannel 0: like a table showing twelve, three, five, and ten years. And\n\nChannel 1: Yep.\n\nChannel 0: you can see that the recommended portfolio, again, has kind of outperformed your current portfolio as well, which is\n\nChannel 1: Yep.\n\nChannel 0: nice. Yep. Beautiful. Any questions so far, Royce? So it's pretty straightforward.\n\nChannel 1: No. Please record.\n\nChannel 0: No. Beautiful. Now if you can scroll to the next page for me, I'll just kind of quickly talk through what those investment changes are. So\n\nChannel 1: Yep.\n\nChannel 0: that is\n\nChannel 1: Radio.\n\nChannel 0: page 16 or 17. You should have, like, an investment table.\n\nChannel 1: Yep. And this yep.\n\nChannel 0: Yep.\n\nChannel 1: 7AM.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So, basically, this can look a little bit messy. But, basically, what it it shows, it shows you your investment name. So, basically, what you are invested in currently. It\n\nChannel 1: Yep.\n\nChannel 0: then shows you this special kind of code. It shows how much you actually have in each option. And then,\n\nChannel 1: Yep.\n\nChannel 0: basically, what that looks like from a dollar value point of view. And then you have the the buy and sell column. Now everything in red is what we are either selling or just rebalancing your portfolio. So\n\nChannel 1: Right. Yeah.\n\nChannel 0: the only two investments we are changing is the top one where it says Benelong Australian\n\nChannel 1: Hang\n\nChannel 0: equity.\n\nChannel 1: on. Yep.\n\nChannel 0: Yep. We are selling out of that one and instead introducing the one at the bottom where it says beta shares Australia two hundred. Can you see that?\n\nChannel 1: Yeah. Right. Yeah. Yep.\n\nChannel 0: Yep. Perfect. The reason being is that Benelon, that was that investment I touched on a little bit during the annual review that I did wanna consider looking at changing for you because it's been underperforming a little bit recently.\n\nChannel 1: Yep.\n\nChannel 0: So changing that one for an alternative, which is the BetaShares Australia two hundred, it is another Australian investment, but it has performed quite a bit better than Benelon recently. It's a bit cheaper as well, so that's where you\n\nChannel 1: Yep.\n\nChannel 0: save some of those fees. And it\n\nChannel 1: Radio.\n\nChannel 0: is very diversified in that it invests in the 200 largest companies listed in Australia. So\n\nChannel 1: Yeah.\n\nChannel 0: very\n\nChannel 1: Radio.\n\nChannel 0: diversified within that one investment option. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep. Perfect. The only other change is that we are selling out of BetaShares Australia Bank Hybrid. So that is the third one, which is one\n\nChannel 1: Yeah.\n\nChannel 0: of your, yeah, one of your kind of alternative defensive investments that are phasing that one out. So instead, we are introducing a little bit more into another of your defensive investments, which is the iShares composite bond. Basically,\n\nChannel 1: Yep.\n\nChannel 0: just fixed interest, just swapping and defensive for another defensive, essentially,\n\nChannel 1: Yep.\n\nChannel 0: for\n\nChannel 1: It's\n\nChannel 0: you.\n\nChannel 1: right here.\n\nChannel 0: Yep. The rest of the changes, it is literally just rebalancing your portfolio. So it is keeping the investments you currently have, just shifting the percentages around back to alignment. So, basically, over time, different investments do perform differently, which\n\nChannel 1: Yes.\n\nChannel 0: can cause your portfolio to kind of drift away from, like, its intended asset allocation. So, basically, rebalancing. It just kind of means buying and selling investments where rebalance, realigning everything back into, kind of alignment. And by doing so, it basically just helps ensure that your investments continue to align with that growth risk profile for you as\n\nChannel 1: Yep.\n\nChannel 0: well as the how the portfolio was intended and your objectives and everything like that. So making sure it's not unintentionally more or less risky than what it's designed to do. Does that make\n\nChannel 1: Right\n\nChannel 0: sense?\n\nChannel 1: here. Yeah. Yep.\n\nChannel 0: Yep. Beautiful. So literally just two swaps and then just rebalance. So pretty straightforward.\n\nChannel 1: Forward.\n\nChannel 0: Now now as you scroll through page eighteen nineteen, you should see a asset allocation, little pie chart, and a\n\nChannel 1: Yep.\n\nChannel 0: table for me. Yep. This basically shows that risk\n\nChannel 1: Yep.\n\nChannel 0: profile. Like I said, we are keeping you in growth, not changing it. Both existing and proposed very much aligned with your risk profile. So not really any changes when it comes to\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: Good.\n\nChannel 0: Yep. Beautiful. Now the last thing I do wanna mention, again, is just in regards to that fee structure. So there's no changes in regards to that for you at all. Stays exactly the same, like I mentioned during the annual review, and there's no additional fees and charges whatsoever in regards to this.\n\nThis is all\n\nChannel 1: Yep.\n\nChannel 0: part of the ongoing fee structure for you. So do you have any questions for me at this point, Rose?\n\nChannel 1: No. No.\n\nChannel 0: No.\n\nChannel 1: I'm all good.\n\nChannel 0: Perfect. So, basically, from here, if you wanted to take some time to have a read over the document, you are more than welcome to do so. If you are happy to go ahead with the recommendation, to do that, it would just be to add the little signature digitally where you are now. It will\n\nChannel 1: Yep.\n\nChannel 0: ask for your signature and your date, and then it will send it back to me. And that tells me that you are happy to go ahead with these couple of investment changes, and I will let the team know to go ahead with that as soon as that comes through.\n\nChannel 1: No. That I think I did it.\n\nChannel 0: Perfect. Let me refresh on my end and see if it comes through.\n\nChannel 1: It says wired.\n\nChannel 0: Yeah. Sometimes it takes a minute, but usually once you hit validate, it goes through pretty quickly. Let me see here.\n\nChannel 1: Still loading.\n\nChannel 0: No. That's all good.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have much more work left to do today?\n\nChannel 1: No. No. I just want a bit more planning for tomorrow.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I start I start at three in the morning, so nearly done.\n\nChannel 0: You're ready to clock off.\n\nChannel 1: Yeah.\n\nChannel 0: Now, Royce, I can see that that's come through, which is great. So I will let the team know. We'll go ahead and make this couple of investment\n\nChannel 1: Yep.\n\nChannel 0: changes for you. But if there's anything you need at any point in time, don't hesitate to give us a call or send me an email, and we can always get you scheduled in.\n\nChannel 1: Yep. Radio. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: No worries. Thank you so much for your time today, and hopefully, it all goes well tomorrow.\n\nChannel 1: Yep. Radio. Have a good day. Yeah.\n\nChannel 0: No worries. You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.13638882339000702},{"text":"It's Royce.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.14943785965442657},{"text":"It's","start":1.36,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.23637114465236664}],"sentiment":"neutral","sentiment_score":0.1679089218378067,"channel":1,"num_words":4,"start":0.56,"end":1.8399999},{"sentences":[{"text":"Good","start":3.9199998,"end":4.24,"sentiment":"neutral","sentiment_score":0.2818843424320221}],"sentiment":"neutral","sentiment_score":0.2818843424320221,"channel":0,"num_words":1,"start":3.9199998,"end":4.24},{"sentences":[{"text":"Hello?","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.2742433547973633}],"sentiment":"neutral","sentiment_score":0.2742433547973633,"channel":1,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"afternoon, Rose.","start":4.24,"end":5.22,"sentiment":"neutral","sentiment_score":0.20320463925600052},{"text":"This is Veronica from ICU Financial.","start":5.2799997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.18544883777697882},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.19067154824733734}],"sentiment":"neutral","sentiment_score":0.19010154090144418,"channel":0,"num_words":11,"start":4.24,"end":8.34},{"sentences":[{"text":"Good.","start":8.4,"end":8.72,"sentiment":"positive","sentiment_score":0.515809178352356},{"text":"Thanks.","start":8.72,"end":8.96,"sentiment":"positive","sentiment_score":0.5693355202674866},{"text":"How are you?","start":8.96,"end":9.7,"sentiment":"positive","sentiment_score":0.3493592043717702}],"sentiment":"positive","sentiment_score":0.42664446234703063,"channel":1,"num_words":5,"start":8.4,"end":9.7},{"sentences":[{"text":"I'm 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loading.","start":902.57495,"end":903.39496,"sentiment":"neutral","sentiment_score":0.03741622343659401}],"sentiment":"neutral","sentiment_score":0.03741622343659401,"channel":1,"num_words":2,"start":902.57495,"end":903.39496},{"sentences":[{"text":"No.","start":904.745,"end":904.90497,"sentiment":"neutral","sentiment_score":0.024911783635616302},{"text":"That's all good.","start":904.90497,"end":905.96497,"sentiment":"neutral","sentiment_score":0.12706019977728525}],"sentiment":"neutral","sentiment_score":0.10152309574186802,"channel":0,"num_words":4,"start":904.745,"end":905.96497},{"sentences":[{"text":"Yeah.","start":906.975,"end":907.475,"sentiment":"neutral","sentiment_score":0.06083869189023971}],"sentiment":"neutral","sentiment_score":0.06083869189023971,"channel":1,"num_words":1,"start":906.975,"end":907.475},{"sentences":[{"text":"Do you have much more work left to do today?","start":906.99,"end":909.65,"sentiment":"neutral","sentiment_score":0.029204448312520982}],"sentiment":"neutral","sentiment_score":0.029204448312520982,"channel":0,"num_words":10,"start":906.99,"end":909.65},{"sentences":[{"text":"No.","start":910.255,"end":910.755,"sentiment":"neutral","sentiment_score":-0.07895527780056},{"text":"No.","start":911.21497,"end":911.375,"sentiment":"neutral","sentiment_score":-0.08278406411409378},{"text":"I just want a bit more planning for tomorrow.","start":911.375,"end":913.555,"sentiment":"neutral","sentiment_score":-0.07776248827576637}],"sentiment":"neutral","sentiment_score":-0.07832743058150465,"channel":1,"num_words":11,"start":910.255,"end":913.555},{"sentences":[{"text":"Yeah.","start":913.71,"end":914.21,"sentiment":"neutral","sentiment_score":0.028900152072310448}],"sentiment":"neutral","sentiment_score":0.028900152072310448,"channel":0,"num_words":1,"start":913.71,"end":914.21},{"sentences":[{"text":"But, yeah, I start I start at three in the morning, so nearly done.","start":913.82,"end":917.52,"sentiment":"neutral","sentiment_score":0.10323511676064559}],"sentiment":"neutral","sentiment_score":0.10323511676064559,"channel":1,"num_words":14,"start":913.82,"end":917.52},{"sentences":[{"text":"You're ready to clock off.","start":917.63,"end":919.17004,"sentiment":"neutral","sentiment_score":0.11689181327819824}],"sentiment":"neutral","sentiment_score":0.11689181327819824,"channel":0,"num_words":5,"start":917.63,"end":919.17004},{"sentences":[{"text":"Yeah.","start":919.42,"end":919.92,"sentiment":"neutral","sentiment_score":0.1720534712076187}],"sentiment":"neutral","sentiment_score":0.1720534712076187,"channel":1,"num_words":1,"start":919.42,"end":919.92},{"sentences":[{"text":"Now, Royce, I can see that that's come through, which is great.","start":920.655,"end":923.55505,"sentiment":"positive","sentiment_score":0.3913615569472313},{"text":"So I will let the team 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in.","start":929.375,"end":938.08,"sentiment":"neutral","sentiment_score":0.14570773080472024}],"sentiment":"neutral","sentiment_score":0.15369104550165288,"channel":0,"num_words":34,"start":927.775,"end":938.08},{"sentences":[{"text":"Yep.","start":938.185,"end":938.665,"sentiment":"neutral","sentiment_score":0.11161328852176666},{"text":"Radio.","start":938.665,"end":939.14496,"sentiment":"neutral","sentiment_score":0.13627025485038757},{"text":"Thank","start":939.14496,"end":939.46497,"sentiment":"positive","sentiment_score":0.38743388652801514}],"sentiment":"neutral","sentiment_score":0.2117724766333898,"channel":1,"num_words":3,"start":938.185,"end":939.46497},{"sentences":[{"text":"Yep.","start":939.26,"end":939.76,"sentiment":"neutral","sentiment_score":0.2615390419960022}],"sentiment":"neutral","sentiment_score":0.2615390419960022,"channel":0,"num_words":1,"start":939.26,"end":939.76},{"sentences":[{"text":"you.","start":939.46497,"end":939.96497,"sentiment":"neutral","sentiment_score":0.13177882134914398}],"sentiment":"neutral","sentiment_score":0.13177882134914398,"channel":1,"num_words":1,"start":939.46497,"end":939.96497},{"sentences":[{"text":"No worries.","start":940.06,"end":940.62,"sentiment":"positive","sentiment_score":0.45743483304977417},{"text":"Thank you so much for your time today, and hopefully, it all goes well tomorrow.","start":940.62,"end":943.76,"sentiment":"positive","sentiment_score":0.8361727794011434}],"sentiment":"positive","sentiment_score":0.7916153739480412,"channel":0,"num_words":17,"start":940.06,"end":943.76},{"sentences":[{"text":"Yep.","start":944.28894,"end":944.78894,"sentiment":"positive","sentiment_score":0.45711421966552734},{"text":"Radio.","start":945.0089,"end":945.48895,"sentiment":"positive","sentiment_score":0.4268535077571869},{"text":"Have a good 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too.","start":946.86,"end":947.42004,"sentiment":"neutral","sentiment_score":0.3157837688922882},{"text":"Bye.","start":947.42004,"end":947.92004,"sentiment":"neutral","sentiment_score":0.21031105518341064}],"sentiment":"neutral","sentiment_score":0.2725632518529892,"channel":0,"num_words":5,"start":946.3,"end":947.92004},{"sentences":[{"text":"Bye.","start":947.8889,"end":948.3889,"sentiment":"neutral","sentiment_score":-0.09400127828121184}],"sentiment":"neutral","sentiment_score":-0.09400127828121184,"channel":1,"num_words":1,"start":947.8889,"end":948.3889}]},"summary":{"result":"success","short":"Representatives from ICU Financial and Hub 24 recommend to their customers that they will only be changing their investment portfolio and not making any changes to their risk profile. They emphasize the importance of annual reviews to assess risk profiles and recommend keeping customers in Hub 24 to make minor changes to their investment portfolio. The speaker emphasizes the benefits of using Hub 24 for personalized investment advice and recommends making minor changes to the portfolio. They also explain the process of changing investments and rebalancing the portfolio to align with growth risk profiles and objectives. The team will be notified of the changes and provide a brief overview of the investment options and fee structure."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start_word":104,"end_word":134,"intents":[{"intent":"Confirm identity","confidence_score":0.71692336},{"intent":"Provide information","confidence_score":0.043986674},{"intent":"Request confirmation","confidence_score":0.021469438},{"intent":"Confirm contact details","confidence_score":0.00015493271}]},{"text":"Now, Royce, do you have access to your emails at the moment or or not really right Yeah. Yeah. now?","start_word":170,"end_word":189,"intents":[{"intent":"Check access to emails","confidence_score":0.00016447321}]},{"text":"Do I just put someone document? Do I press that bit? Right?","start_word":284,"end_word":295,"intents":[{"intent":"Request document","confidence_score":0.082830675},{"intent":"Confirm document","confidence_score":0.037934013}]},{"text":"Now every time we do make a recommendation for you, we have to put everything in the statement of advice. A lot Yeah.","start_word":325,"end_word":347,"intents":[{"intent":"Make recommendations","confidence_score":0.011949878}]},{"text":"Now if you can scroll down for me through page eight. Alright. Yep.","start_word":608,"end_word":620,"intents":[{"intent":"Scroll down","confidence_score":0.13908252}]},{"text":"So what you scroll through, you'll see you saw just a couple of pages to some personal information about you, your Yep. kind of your insurances and stuff, again, that we touched on during the annual review. But you should then see a page now where it says your risk profile. Yep.","start_word":622,"end_word":673,"intents":[{"intent":"Check insurance coverage","confidence_score":0.00019989016}]},{"text":"And now during the annual review, we kind of determined that a growth portfolio is still suitable for you. You still Yep.","start_word":705,"end_word":726,"intents":[{"intent":"Ensure super fund suitability","confidence_score":0.0048034517}]},{"text":"So this basically outlines the recommendation itself. I have also put it in a table to make it a little bit easier. But, essentially, as part of the research, I did also consider other super funds for you because Yep. it is important for us to always assess and making sure that the super fund we have you in is the best one for you.","start_word":822,"end_word":886,"intents":[{"intent":"Analyze financial recommendations","confidence_score":0.000096745265}]},{"text":"have recommended that we keep you in Hub 24, just literally changing a couple of investments around for you. Right.","start_word":966,"end_word":985,"intents":[{"intent":"Recommend keeping superannuation in top 24","confidence_score":0.000021018175}]},{"text":"And underneath that, you should see where it says eight point five three percent five year rolling average. Can you see that?","start_word":1094,"end_word":1115,"intents":[{"intent":"Provide portfolio information","confidence_score":0.017583283},{"intent":"Discuss portfolio benefits","confidence_score":0.0018919918}]},{"text":"And underneath that, you should see where it says eight point five three percent five year rolling average. Can you see that? Yep.","start_word":1094,"end_word":1116,"intents":[{"intent":"Explain investment benefits","confidence_score":0.034312308},{"intent":"Clarify investment procedure","confidence_score":0.00010432803}]},{"text":"Now often when we sell investments, there can be something that's called capital gains tax associated with the investment. The same as if you were to sell, like, an investment property, you'd have to pay tax on the earnings.","start_word":1325,"end_word":1363,"intents":[{"intent":"Introduce tax benefits","confidence_score":0.0000042754664}]},{"text":"Now if you can scroll to the next page for me, I'll just kind of quickly talk through what those investment changes are. So Yep.","start_word":1602,"end_word":1626,"intents":[{"intent":"Explain investment changes","confidence_score":0.054803114}]},{"text":"Now the last thing I do wanna mention, again, is just in regards to that fee structure. So there's no changes in regards to that for you at all. Stays exactly the same, like I mentioned during the annual review, and there's no additional fees and charges whatsoever in regards to this. This is all Yep.","start_word":2224,"end_word":2279,"intents":[{"intent":"Recommend and update fee structure","confidence_score":0.0005990156}]}]},"sentiments":{"segments":[{"text":"Yeah. It's Royce. It's Good Hello? afternoon, Rose. This is Veronica from ICU Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.19222763180732727},{"text":"Good. Thanks. How are you? I'm good. Thanks.","start_word":17,"end_word":24,"sentiment":"positive","sentiment_score":0.5177850723266602},{"text":"I had you booked in pretty quick today, but just to go over the research I did on your super investments. Is now still a good time? Yep. Yeah. Yep. Yes. Okay. Yep.","start_word":25,"end_word":57,"sentiment":"neutral","sentiment_score":0.2261374145746231},{"text":"Perfect.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.5006209015846252},{"text":"I'll try not to take up too much of your time. Yeah. That's alright. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep.","start_word":59,"end_word":102,"sentiment":"neutral","sentiment_score":0.08581537008285522},{"text":"Perfect.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.34690070152282715},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Nineteen eleven ninety one. Royce Jack, Itasca. '18 baby sick. Perfect. And how's your day been so far? Been busy? Very yeah. Very busy. Maintenance maintenance day tomorrow, so getting ready. Oh, yeah. Lovely. Yeah. Now, Royce, do you have access to your emails at the moment or or not really right Yeah. Yeah. now? I'll have Yes. my. Okay.","start_word":104,"end_word":194,"sentiment":"neutral","sentiment_score":0.05692490562796593},{"text":"Beautiful. It just makes it a bit easier as I go through this with you.","start_word":195,"end_word":209,"sentiment":"positive","sentiment_score":0.38582128286361694},{"text":"Now Yeah. I have just sent you an email with the recommendation if you can access that for A signature me. request, that one? Yes, please. And when you click on the link, it should allow you to open up the statement of advice, and you should have a cover page where it says prepared for Yeah. yourself and, Yeah. like, a photo of the Gold Coast. You can see that okay? Not yet. Do I just put someone document? Do I press that bit? Right? Yes. Yes. If you press Yeah. sign, it should then allow you to open up and look at everything first. Oh, yeah. Yeah. I Yeah. see it. Okay.","start_word":210,"end_word":323,"sentiment":"neutral","sentiment_score":0.06556862592697144},{"text":"Beautiful.","start_word":324,"end_word":324,"sentiment":"positive","sentiment_score":0.3931332230567932},{"text":"Now every time we do make a recommendation for you, we have to put everything in the statement of advice. A lot Yeah. of it is just for compliance purposes. So you will see it's 25 pages, but I won't go through all of that with you. Yeah.","start_word":325,"end_word":372,"sentiment":"neutral","sentiment_score":0.06252472661435604},{"text":"It is pretty straightforward today, but it is also just allows you the opportunity to read over everything just to make sure you understand everything.","start_word":373,"end_word":397,"sentiment":"positive","sentiment_score":0.4036335051059723},{"text":"Yep. Okay? Yep. Yep.","start_word":398,"end_word":401,"sentiment":"neutral","sentiment_score":0.1513515263795853},{"text":"Perfect.","start_word":402,"end_word":402,"sentiment":"positive","sentiment_score":0.6006318926811218},{"text":"Now if you scroll to the second page, it talks a little bit about the best interest duty. Do you remember hearing about that before? No. No? Maybe. Basically no. That's all good. Basically, what it means is that we have to act in your best interest at all time, Yeah. have to always put you first, and the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make Yeah. sense? Yeah. Yep. Yep.","start_word":403,"end_word":492,"sentiment":"neutral","sentiment_score":0.018166380003094673},{"text":"Beautiful.","start_word":493,"end_word":493,"sentiment":"positive","sentiment_score":0.5207281112670898},{"text":"Now if you can just scroll for me, you'll see table of content, pretty self Yeah. explanatory, and it then takes us through scope of advice. Can you see that Yeah. page? Right here. Yeah. Yep.","start_word":494,"end_word":529,"sentiment":"neutral","sentiment_score":0.1172933280467987},{"text":"Perfect.","start_word":530,"end_word":530,"sentiment":"positive","sentiment_score":0.3628790974617005},{"text":"Now, basically, what this talks about is just the areas we are looking at today. So like I said, it is pretty straightforward. We are just looking at your superannuation, specifically having a look at your investments if you wanted to swap anything out that was underperforming through something a little bit better. We're Yep. not making any changes to insurances or anything else. It is literally just focusing on that today. Yep. Righty. Yep. Yep.","start_word":531,"end_word":606,"sentiment":"neutral","sentiment_score":0.050832781940698624},{"text":"Beautiful.","start_word":607,"end_word":607,"sentiment":"positive","sentiment_score":0.42094528675079346},{"text":"Now if you can scroll down for me through page eight. Alright. Yep. Yep. So what you scroll through, you'll see you saw just a couple of pages to some personal information about you, your Yep. kind of your insurances and stuff, again, that we touched on during the annual review. But you should then see a page now where it says your risk profile. Yep. Is that the Yep. page you're on? Yep. Yep. Now I am. That's page nine.","start_word":608,"end_word":688,"sentiment":"neutral","sentiment_score":0.05094863474369049},{"text":"Beautiful.","start_word":689,"end_word":689,"sentiment":"positive","sentiment_score":0.3914221525192261},{"text":"Yep.","start_word":690,"end_word":690,"sentiment":"neutral","sentiment_score":0.16808056831359863},{"text":"Perfect.","start_word":691,"end_word":691,"sentiment":"positive","sentiment_score":0.3920461535453797},{"text":"And now, basically, what this talks about is just your risk profile. And now during the annual review, we kind of determined that a growth portfolio is still suitable for you. You still Yep. Yep. have plenty of time until retirement.","start_word":692,"end_word":732,"sentiment":"neutral","sentiment_score":0.13158389344447996},{"text":"So the goal is very much to grow your super as much as possible.","start_word":733,"end_word":746,"sentiment":"positive","sentiment_score":0.4803469777107239},{"text":"Understand there will be some short term fluctuations in order to grow that, so we are not making any changes in regards to your risk profile today. It's keeping that Yep. the same. Yep. Yep. Radio.","start_word":747,"end_word":782,"sentiment":"neutral","sentiment_score":-0.03710877150297165},{"text":"Perfect.","start_word":783,"end_word":783,"sentiment":"positive","sentiment_score":0.5002124309539795},{"text":"Now if you can scroll to page 10 or could be 11 depending if it counts as the cover page, but it should say Royce retain your hub twenty four superannuation on the heading there. Yep. Yep. Yep. So this basically outlines the recommendation itself. I have also put it in a table to make it a little bit easier. But, essentially, as part of the research, I did also consider other super funds for you because Yep. it is important for us to always assess and making sure that the super fund we have you in is the best one for you. There is absolutely nothing tying us to Hub twenty four, so it is good for us to do research just to make sure because there's Yep. always new products and features that are always continuously coming out. Yep. After Alrighty. doing Yep.","start_word":784,"end_word":928,"sentiment":"neutral","sentiment_score":0.14322009682655334},{"text":"research, Hub twenty four is still very much competitive. It's very competitive when it comes to the fees and features and investment choices. I do use Hub 24 for my personal super as well. So I Yep.","start_word":929,"end_word":965,"sentiment":"positive","sentiment_score":0.4001314043998718},{"text":"have recommended that we keep you in Hub 24, just literally changing a couple of investments around for you. Right. Yeah.","start_word":966,"end_word":986,"sentiment":"neutral","sentiment_score":0.29894858598709106},{"text":"Sounds good.","start_word":987,"end_word":988,"sentiment":"positive","sentiment_score":0.4660618305206299},{"text":"Yep.","start_word":989,"end_word":989,"sentiment":"neutral","sentiment_score":0.2863461673259735},{"text":"Perfect.","start_word":990,"end_word":990,"sentiment":"positive","sentiment_score":0.4424106478691101},{"text":"Now if you can scroll down through page 14 or 15, you should have a fee comparison table. Yep. Cost comparison Yep. page. Yep. Yep. Perfect. So, basically, what you scroll through is kind of what I will summarize in the table here for you. It talks about the recommendation advantages and risks and disadvantages to be mindful of, but I Yep. often find that seeing it kind of outlined in this table makes it a little bit easier. Now what you will see here, you'll see your current situation listed first. Yeah. You can see your growth profile at the moment. And underneath that, you should see where it says eight point five three percent five year rolling average. Can you see that? Yep. Okay. Yep.","start_word":991,"end_word":1117,"sentiment":"neutral","sentiment_score":0.12791142967624927},{"text":"Perfect.","start_word":1118,"end_word":1118,"sentiment":"positive","sentiment_score":0.5325331687927246},{"text":"So that basically shows and tells us that your current portfolio in Hub twenty four, when we are using a five year rolling average. So the reason we use a five year rolling average is because it gives us more certainty of what has happened to the portfolio and the market because you can't guarantee anything. You don't know what's going to happen Yeah. with That's it. the markets. But using a five year period of time and averaging it out on a yearly basis just gives us a little bit more certainty. Does that make sense? Yep. Yep.","start_word":1119,"end_word":1217,"sentiment":"neutral","sentiment_score":0.14629749953746796},{"text":"Beautiful. Now on the recommended side, you can see that with only making some changes to your investments, everything else stays exactly the same.","start_word":1218,"end_word":1241,"sentiment":"positive","sentiment_score":0.3779274821281433},{"text":"No changes in advice to fees or contributions or insurances.","start_word":1242,"end_word":1251,"sentiment":"neutral","sentiment_score":0.18221929669380188},{"text":"Yep. It will save you about $569 in fees just from investment fees alone, which is pretty good.","start_word":1252,"end_word":1269,"sentiment":"positive","sentiment_score":0.6483039855957031},{"text":"Yep. We're ready. Yeah. Yep.","start_word":1270,"end_word":1274,"sentiment":"neutral","sentiment_score":0.2969573438167572},{"text":"Perfect. Now when you are also then looking at the same five year rolling average period, you can see that not only reducing the fees, but the recommended investment changes have also improved the performance a little bit.","start_word":1275,"end_word":1312,"sentiment":"positive","sentiment_score":0.44225606322288513},{"text":"So Yes.","start_word":1313,"end_word":1314,"sentiment":"neutral","sentiment_score":0.28066733479499817},{"text":"you can see that that's about 10.05%, which is good.","start_word":1315,"end_word":1324,"sentiment":"positive","sentiment_score":0.36809107661247253},{"text":"Now often when we sell investments, there can be something that's called capital gains tax associated with the investment. The same as if you were to sell, like, an investment property, you'd have to pay tax on the earnings. The same applies in a superannuation environment. It is all taken care Yep. of within the superannuation. Those are not something you would have to declare yourself Yep. or Righty. pay That's for it. yourself Yep. personally. Just come down and see if Correct. The good I thing Yep.","start_word":1325,"end_word":1412,"sentiment":"neutral","sentiment_score":0.030025269836187363},{"text":"is, though, that with a couple of investment changes I have recommended for you, there is estimated to be no capital gains tax, which is great.","start_word":1413,"end_word":1438,"sentiment":"positive","sentiment_score":0.35517165064811707},{"text":"Yep. Yep. If I were to sell all Righty your investments and change it over, the the the o. tax would have been about 5,252, which, obviously, we Yeah, want to bro. avoid. Yeah. Yep. Yeah. So literally just making a couple of changes. Now at the bottom of this page, you can see a projecting forward for five and ten years to show you as well that even though we're just making a few minor changes today, it does still make a pretty big difference where we are kind of compounding everything forward Oh, yes. Right. Yeah. for you.","start_word":1439,"end_word":1538,"sentiment":"neutral","sentiment_score":0.11707485795021055},{"text":"Yep. Perfect.","start_word":1539,"end_word":1540,"sentiment":"positive","sentiment_score":0.4411360323429108},{"text":"Now on the next page, you should see annualized investment returns, Yep. like a table showing twelve, three, five, and ten years. And Yep.","start_word":1541,"end_word":1564,"sentiment":"neutral","sentiment_score":0.25087645649909973},{"text":"you can see that the recommended portfolio, again, has kind of outperformed your current portfolio as well, which is Yep. nice.","start_word":1565,"end_word":1585,"sentiment":"positive","sentiment_score":0.3731116056442261},{"text":"Yep.","start_word":1586,"end_word":1586,"sentiment":"neutral","sentiment_score":0.295230507850647},{"text":"Beautiful.","start_word":1587,"end_word":1587,"sentiment":"positive","sentiment_score":0.5222466588020325},{"text":"Any questions so far, Royce? So it's pretty straightforward. No. Please record. No. Beautiful. Now if you can scroll to the next page for me, I'll just kind of quickly talk through what those investment changes are. So Yep. that is Radio. page 16 or 17. You should have, like, an investment table. Yep. And this yep. Yep. 7AM. Yep. Yep. Perfect. So, basically, this can look a little bit messy. But, basically, what it it shows, it shows you your investment name. So, basically, what you are invested in currently. It Yep. then shows you this special kind of code. It shows how much you actually have in each option. And then, Yep. basically, what that looks like from a dollar value point of view. And then you have the the buy and sell column. Now everything in red is what we are either selling or just rebalancing your portfolio. So Right. Yeah. the only two investments we are changing is the top one where it says Benelong Australian Hang equity. on. Yep. Yep. We are selling out of that one and instead introducing the one at the bottom where it says beta shares Australia two hundred. Can you see that? Yeah. Right. Yeah. Yep. Yep. Perfect. The reason being is that Benelon, that was that investment I touched on a little bit during the annual review that I did wanna consider looking at changing for you because it's been underperforming a little bit recently. Yep. So changing that one for an alternative, which is the BetaShares Australia two hundred, it is another Australian investment, but it has performed quite a bit better than Benelon recently.","start_word":1588,"end_word":1864,"sentiment":"neutral","sentiment_score":0.06263075247137985},{"text":"It's a bit cheaper as well, so that's where you Yep. save some of those fees.","start_word":1865,"end_word":1880,"sentiment":"positive","sentiment_score":0.4603736698627472},{"text":"And it Radio. is very diversified in that it invests in the 200 largest companies listed in Australia. So Yeah. very Radio. diversified within that one investment option. Does that make sense? Yeah. Yeah. Yep. Yep.","start_word":1881,"end_word":1916,"sentiment":"neutral","sentiment_score":0.23445220291614532},{"text":"Perfect.","start_word":1917,"end_word":1917,"sentiment":"positive","sentiment_score":0.5352129340171814},{"text":"The only other change is that we are selling out of BetaShares Australia Bank Hybrid. So that is the third one, which is one Yeah. of your, yeah, one of your kind of alternative defensive investments that are phasing that one out. So instead, we are introducing a little bit more into another of your defensive investments, which is the iShares composite bond. Basically, Yep. just fixed interest, just swapping and defensive for another defensive, essentially, Yep. for It's you. right here. Yep. The rest of the changes, it is literally just rebalancing your portfolio. So it is keeping the investments you currently have, just shifting the percentages around back to alignment. So, basically, over time, different investments do perform differently, which Yes. can cause your portfolio to kind of drift away from, like, its intended asset allocation. So, basically, rebalancing. It just kind of means buying and selling investments where rebalance, realigning everything back into, kind of alignment. And by doing so, it basically just helps ensure that your investments continue to align with that growth risk profile for you as Yep. well as the how the portfolio was intended and your objectives and everything like that. So making sure it's not unintentionally more or less risky than what it's designed to do. Does that make Right sense? here. Yeah. Yep. Yep.","start_word":1918,"end_word":2140,"sentiment":"neutral","sentiment_score":0.03765533119440079},{"text":"Beautiful.","start_word":2141,"end_word":2141,"sentiment":"positive","sentiment_score":0.5012171268463135},{"text":"So literally just two swaps and then just rebalance.","start_word":2142,"end_word":2150,"sentiment":"neutral","sentiment_score":0.20616623759269712},{"text":"So pretty straightforward.","start_word":2151,"end_word":2153,"sentiment":"positive","sentiment_score":0.3659234642982483},{"text":"Forward. Now now as you scroll through page eighteen nineteen, you should see a asset allocation, little pie chart, and a Yep. table for me. Yep. This basically shows that risk Yep. profile. Like I said, we are keeping you in growth, not changing it. Both existing and proposed very much aligned with your risk profile. So not really any changes when it comes to Yep. that.","start_word":2154,"end_word":2220,"sentiment":"neutral","sentiment_score":0.10890859843634848},{"text":"Good. Yep. Beautiful.","start_word":2221,"end_word":2223,"sentiment":"positive","sentiment_score":0.6132794618606567},{"text":"Now the last thing I do wanna mention, again, is just in regards to that fee structure. So there's no changes in regards to that for you at all. Stays exactly the same, like I mentioned during the annual review, and there's no additional fees and charges whatsoever in regards to this. This is all Yep. part of the ongoing fee structure for you. So do you have any questions for me at this point, Rose? No. No. No. I'm all good.","start_word":2224,"end_word":2305,"sentiment":"neutral","sentiment_score":0.16727887094020844},{"text":"Perfect.","start_word":2306,"end_word":2306,"sentiment":"positive","sentiment_score":0.5006603002548218},{"text":"So, basically, from here, if you wanted to take some time to have a read over the document, you are more than welcome to do so. If you are happy to go ahead with the recommendation, to do that, it would just be to add the little signature digitally where you are now. It will Yep. ask for your signature and your date, and then it will send it back to me.","start_word":2307,"end_word":2378,"sentiment":"neutral","sentiment_score":0.19734270870685575},{"text":"And that tells me that you are happy to go ahead with these couple of investment changes, and I will let the team know to go ahead with that as soon as that comes through.","start_word":2379,"end_word":2413,"sentiment":"positive","sentiment_score":0.35356441140174866},{"text":"No. That I think I did it. Perfect. Let me refresh on my end and see if it comes through. It says wired. Yeah. Sometimes it takes a minute, but usually once you hit validate, it goes through pretty quickly. Let me see here. Still loading. No. That's all good. Yeah. Do you have much more work left to do today? No. No. I just want a bit more planning for tomorrow. Yeah. But, yeah, I start I start at three in the morning, so nearly done. You're ready to clock off. Yeah.","start_word":2414,"end_word":2506,"sentiment":"neutral","sentiment_score":0.07410389184951782},{"text":"Now, Royce, I can see that that's come through, which is great.","start_word":2507,"end_word":2518,"sentiment":"positive","sentiment_score":0.3797156810760498},{"text":"So I will let the team know. We'll go ahead and make this couple of investment Yep. changes for you. But if there's anything you need at any point in time, don't hesitate to give us a call or send me an email, and we can always get you scheduled in. Yep. Radio. Thank Yep. you.","start_word":2519,"end_word":2574,"sentiment":"neutral","sentiment_score":0.2021409124135971},{"text":"No worries. Thank you so much for your time today, and hopefully, it all goes well tomorrow. Yep. Radio. Have a good day. Yeah.","start_word":2575,"end_word":2598,"sentiment":"positive","sentiment_score":0.6810342669487},{"text":"No worries. You too. Bye. Bye.","start_word":2599,"end_word":2604,"sentiment":"neutral","sentiment_score":0.2337849587202072}],"average":{"sentiment":"neutral","sentiment_score":0.1427297345430698}}}}