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Is now still a good time for you? Yep. Perfect. Now just 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. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Perfect. That's exactly what I have here. And thank you so much for confirming everything with your employer as well. That was great. Now I have to send you an email. Do you have access to your emails at the moment? Yep. Perfect. Yep. Yes. I did. Yeah. It might show from my colleague, Morgan, because he just issued it for me. Yeah. Perfect. Now if you can click in to the email there for me, you should then see a cover page where it says OQ financial statement of advice. Yep. Yep. Perfect. So just so you know as well, so before you click on on the link, if you wanna go back later, you will have a couple of attachments included. That is just for for research. So, like, your appendix or the links to the investments and stuff like that, it's all there for you if you do wanna have a read over that in your own time as well. Yep. Perfect. Now I've done some research, obviously, from our last conversation in regards to your super and specifically your investments to see if there was anything we can do to kind of change things a little bit for you and improve kind of the returns moving forward. And then also getting those quotes to reduce your total permanent disability insurance. You remember that conversation and everything? Yep. Great. Perfect. So today is just kind of putting that that recommendation in here for you. Every time we do make a recommendation, we have to put everything in a statement of advice so that you are completely across everything and you fully understand it. So a lot of it is just the compliance. So I'll tryna go through this as quickly as I can for you and just kind of cover the main point. But if at any point in time we go through things and you're not sure, just interrupt me and let me know. Perfect. Now you will see on the cover page here, you will see my details as well. So I am authorized under OPU Financial. You will also have my authorized representative number listed there and, obviously, all our contact details and everything like that on the cover page. Now on the second page there for me, you will see the best interest duty are duty outlined again. Can you see that? Yep. Perfect. So, basically, this just means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me. So there's obviously a lot in place to protect you, essentially. Yep. Now if you can scroll for me through page three, you should see scope of advice. Yep. Perfect. So, basically, this just kind of outlines the areas we are looking to say. Like I said, pretty straightforward and mainly reviewing your superannuation and your insurances. Now on the next page, you will then see some other goals that you mentioned that we're not making a recommendation on today. So that's, you know, property, potentially looking at investment property down the track and, obviously, some some family holidays. So if it's ever a situation where you do need advice on, you know, cash flow and budgeting to save for anything and stuff like that, just let me know, and we can always book you in for a bit of a catch up. But, otherwise, pretty straightforward today, just basically those super and insurances. Yep. Perfect. So if you can kind of scroll through for me, you will see a section just talking about limited advice that basically just refers back through the areas we are scoping in and scoping out. But I also have to let you know that I'm not a legal practitioner, so I can't give you any legal advice. Can definitely refer you on to someone if you do need it. Yep. Perfect. Otherwise, if you scroll through, you will see a page where it says about you and then also your lifestyle assets and liabilities. If you can have a quick read over that for me, just to make sure that's up to date or if I need to make any changes in the back end for you. And, obviously, it could have changed a little bit since when we did the fax line, so the rough it is it's good. Yeah. That looks good. Yep. Yep. Great. Now if you can then scroll to page eight for me, it should say your current superannuation and insurances. Can you see that? Yeah. Perfect. So this just outlines your current situation. So it shows here you have 24 account and also your policy. So this shows you what you currently have in place. So you at the moment have life and PPD. So that's about $1,193,512. And then you also have your income protection. So the income protection will pay you a monthly amount of $4,172. You have a four week waiting period and a benefit period through age of 65. Now because this is paid from within superannuation, you do get a a tax rebate of 15%, but the total premium at the moment is 3,551. Now I did do some research on your policy as well after the last conversation just to check as well how everything was linked for you. And your the way that your policy is currently set up is that your life and the TPD are linked together. So what that means is if you were to claim on TPD, it cancels your life policy. Yep. I could still change the TPD amount for you to be a little bit less as per kind of your goals, so that was fine. They just said I couldn't have TPD more than life, which is fine because in this instance, we're looking at doing the opposite for you. Yeah. Correct. At the if we if we don't go ahead with the reduction, it will cancel because it's the same amount. But when it's reduced, it will be whatever's left over. But let's say right now, if you don't do a change and you claim, obviously, that 1,000,193, it will because it's the same amount at the moment as your life, it will cancel life. Yeah. Perfect. Now the next page, it just shows you the outside super policy. You have a split to get some additional benefits, which is great. It's the same policy. It's just kind of held inside and outside for for those additional benefits for you. And total premium for the outside portion is a 1,153 on an annual basis. Yes. Yes. Correct. Yes. Yep. Correct. That is correct. That is a a a typo in the document. That is correct. It is that's what gives you that special definition, which is the the own occupation. Yes. Now on the next page, you will see your risk profile. Can you see that kind of outlined for you? Yep. So we're not making any changes to your risk profile. We kind of discussed that last time. You came out as a growth investor. It's very suitable for for where you are in terms of your tolerance, but also time frame. You do have plenty of time of your retirement. So it's definitely a good risk allocation for you. So we're not making any changes to your risk profile, but I have made some recommendations on changing some of your investments, which I will go through in detail with you. Yep. Any questions so far? Oh, that's pretty straightforward. Yep. Great. Perfect. Now on the next page, which is page 12, you will see a heading where it outlines the recommendation. So I have recommended that you retain hub twenty four and change your underlying investment. Now what I will show you first is just a table that have all the numbers because it's sometimes easier to see it that way. But, basically, on the next couple of pages, again, I'll let you have a read over this, but this just outlines more in black and white the recommendation and why I have made the recommendation that I have made. So it outlines the best interest duty, which talks about, you know, kind of making sure that we put you in the best position. So I did consider a lot of different options for you. But after I kind of considered all of them, Hub twenty four was the most competitive in terms of fees, investment choices. So I have recommended that you stay in in Hub twenty four, but also from a capital gains point of view as well. So when we are selling and buying selling the investments in super, there are capital gains tax on the earnings. So I also wanna make sure we minimize that as much as possible. Now I also considered, the SMA for you. Do you remember kind of talking about that briefly? Yeah. Correct. So I did a lot of research on on that for you. And at the moment, I have not recommended the SMA. The reason I haven't is because when I did the comparison, it was a little bit more expensive than what I have recommended. But also looking at historical returns, it wasn't doing as well. So, you know, having slightly higher fees, slightly less return, but then also the capital gains because there was more changes in the investment was a lot higher. So I just couldn't justify that recommendation right now. That's not to say that if things change, we could look at it, but I haven't I haven't made the recommendation through the SMA at this point anyway for you. Now you will also see on page 13 some advantages and disadvantages and risks with the with the recommendation. So every time we do make a recommendation, there's obviously advantages with it, also some disadvantages to be mindful of, and then the risks are outlined. So you can kind of see here which which kind of summarize everything in the table when you have a look at it. But one of the advantage is that it is a lot lower investment fee, so you are saving cost. It continues to be in line with your risk profile. A disadvantage is the capital gains tax, which, again, I will outline for you. And some risk is that there's always a level of risk associated with any investment option to be mindful of. Yep. Yes. Exactly. Sorry. What I'll do, actually, I'll scroll down because it makes it easier if, like, you can see the table. But first, if you go to page 14, you will see that I did consider another option, which was my north, which is very competitive to hub twenty four. But to do a full sell down through to to swap you to any other super fund because your super has grown since you came on board, which is great. The full capital gains tax by doing that would be 4,671. So it was it was quite high. So, obviously, trying to minimize that. So from a numbers point, if you can scroll down first through page 18, it then kind of shows you like an updated projection. Can you see that okay? Next page. Sorry. It sometimes factors in the the cover page. So at the bottom of the page. Correct. Yes. So you can see here the second column, your current situation. Obviously, you have 24, current balance, current fees as well. So you can see your total cost at the moment for everything there is 6,012 in hub twenty four. Now you also have your growth portfolio. Underneath it, you have your five year rolling outwards. So in the last five years, on a yearly basis, averaging it out, your portfolio has done 11.77%. Now on the recommended side, you will then see the change. So you can see here that when looking at investment fees, for example, you can see that the recommended investments are quite a bit cheaper than what you're currently invested in. It's about $675 per year cheaper in investment fees a lot, which does make a pretty big difference. Correct. Yes. More passive. Correct. Yes. That definitely plays plays a role in it. That is a bit more expensive, and especially if they if they haven't recently outperformed, then, you know, there's no need paying additional fees if they're not then outperforming it in terms of return. Yep. Correct. Correct. Correct. Exactly. Yes. No. I didn't want to do that. So focusing on fees, so reducing the fees where we can, but exactly like you said, do not wanna compromise on the returns on the investments either. So when you add everything up, obviously, the the slightly less fees as well as physical growth, it does make quite a bit of a difference. Now on the top there, before I show you the next page where you see the balance and it says minus 1,373, that is the capital gains tax. So still on the same page, but at the top of that, where it says balance on the first row yep. So the only reason it's a difference, it is just because of the tax. So that does fluctuate, obviously, and it's an an estimate when we did it. So it will be around 1,373, but that is obviously a lot less than the full sell down of 4,671. So try to minimize that as much as possible while still making sure we can achieve the other area. Does that make sense? Yes. That's the tax that will come out of your superannuation, the capital gains tax on selling some of your investments. So you don't have to pay for it personally. It will be from your superannuation, but that is the the tax on the earnings of your investment in your superannuation. Yep. Any questions? Correct. Correct. Which is why it's a lot lower. So for for for reference further up when you have a look at it as well, when I looked at, you know, the my north and other super funds, that would mean we would sell everything. And if we were to sell everything, the tax would be about 4,671, so a lot more. So we obviously kinda minimize swapping as long as they're doing good for you. Yep. Now on the the next page, you will then see kind of projected outcome for five and ten years. So it then shows you, you know, the difference. So reducing a little bit in fees as well as the improvement in the returns, and that is also factoring in that the tax comes out, it still makes a pretty big difference when we are looking at that five and ten year time frame for you. Yep. Now underneath that, there is a little disclaimer there for you, and that is just talking about division two nine three. You probably would have got a letter in the past in regards to that from the ATO and stuff, But it's just a bit of a disclaimer because, obviously, you are on a pretty high income, which is great. But on the downside, it means that you have to pay additional taxes. Sorry. Because you are a high income earner. Did you receive that letter last year as well? Not sure. Yeah. No. No. That's okay. So it's it's just there for your information. Because I haven't, in the calculation, taken out the additional 15% tax, and that is just because you can elect to have it paid personally or from superannuation. And so but it's just a there as a disclaimer for you, and that's what that is because you you are high. Yes. Great. Yep. Perfect. Now underneath that as well, you will also have a bit more outline on the return. So you'll have a twelve month, a three year, and a five year to give you a little bit more, and it still shows you that across all all three time frames, the recommended portfolio has still outperformed your current one in all time frame. Perfect. Now if you then wanna scroll up for me, actually, and I'll show you the investments, which is page 15 or 16, it should have investment table. Yep. Perfect. So you can see, obviously, all your investments in the first column, the current weight, how that reflects in the balance, and then the buy and sell. So whatever is in red is what we are selling. Black is what we are buying, and then the target weight is the percentage we are aiming for and then how that correlates with the dollar value. So, essentially, in term yes? Yep. Yep. The the the hybrid one, the BetterShares Australian Bank hybrid, it's not too bad, but it's being phased out. So they're actually stopping stopping it. So it's being completely phased out altogether. So it will stop the investment soon. So we are changing that one. So kind of overall, we wanted to focus on keeping you in a growth portfolio, keeping you as diversified as we can while still making sure that we keep the growth up. So, essentially, how the new portfolio has been structured, we are still very much aligning with the core satellite approach to investment. So still focusing on where you have the majority of the funds in what we call your core investment. So these are kind of, you know, the backbones of the portfolio and are mainly those passive index funds. So these are your biggest shareholding. So for example, you will see 30%, which you you kind of already had. You had 26.08 in the iShares S and P 500. You've probably heard of this number four? Yeah. Yeah. Perfect. Now you then have 20% in beta shares Australia 200. So this is the one as well where we kind of we wanted to make sure that if we obviously reduced the Benelong Australian equity, we still wanna make sure you have some exposure to the Australian market as well. So but this one here is more of that passive investment. So it does invest still in the 200 largest companies listed on the ASX. You still have all the big companies like Commonwealth and BHP and Woolworths. So that's why that one is 20%. You then have your your satellite investments. So these are the ones that's a little bit more specialized. They can be a little bit more volatile, and that's why they only represent a smaller portion of the portfolio. But these are also the ones that we can see the biggest growth areas in. So these can be a little bit more targeted to different sectors or regions or assets. So, for example, you have 8% invested in iShares Europe, 5% in Japan, and then you have 8% in Vanguard or Wells. But this one excludes The US because you already have exposure to The US in the ISHES S and P 500. And we don't wanna have too much in one, you know, market as well. Does that make sense? Yeah. Perfect. Yes. Because it was yes. Yes. So we we're doing a gold that has been doing really well, but we also don't want you to be too overweight in gold as well. So it does still wanna make sure that it aligns with your your risk profile. And because it has gone up quite a bit, which is good, obviously, the prices have have gone up, which which is good. But, yeah, we don't wanna be too weighted in gold either because the it's more of that kind of can act as both a growth and a defensive. But because we're still targeting and trying to grow your portfolio, we don't want too much allocated to this area as well. We still wanna have it as a foundation in your portfolio, so we still wanna have it about 10%. We're also keeping the beta shift cybersecurity. It is one of those kind of satellite investment I mentioned. Can see a bit of fluctuation with what's going on in the world, but there's a lot of opportunities in this space as well. So having reducing that a little bit to to 5%. And then you'll have your defensive just like your fixed interest investment at about 14%, which is basically what we swapped the the bank hybrids for as well for you. Now now with your investments as well sorry. That's kind of what I mentioned. I have made so in the appendix, which was one of those attachments in the email as well, there is investment links. So all of these investments I have recommended are there for you. So if you want to read up on them a little bit more, it's all in there for you as well. So all the research and everything is there for you. Yep. Now, on the the page 16 or 17, you will also see just the cash component outline. Hub twenty four, they do have a minimum of 1.25% that needs to be allocated for for cash, which is also good for, you know, if you have any fees and insurances and stuff like that coming out. It also helps stabilize a little bit, but that is the minimum. We don't wanna have too much in it, obviously, because that won't grow as much. So we just wanna have about the target of that minimum 1.25. Yep. Now then the asset allocation table. So can you see that okay? Yep. Perfect. So kind of like I said, we're not really making any changes to your risk profile keeping you within a growth one. Now you can see risk profile on the second column, and it just kind of outlines a typical risk profile in growth, your existing portfolio, and then the proposed. So you can see that both are pretty close, but the proposed is reducing a little bit in growth and a little bit more in defensive overall, but still very much kind of aligned in that 80 to 90 range and keeping it consistent there for you. Now if you then want to scroll down to page 20 for me. Yes. 20. Two zero, please. On 21. Now before I do go into the insurance change, do you have any other questions on Max the Super and the investments otherwise at this point? No? Yes. Yes. Yes. Now with your insurances, so, obviously, you mentioned that you wanted to have enough cover to cover the mortgage and then also kind of gross up the tax. So the tax of up to 22% that comes out. So if something were to happen, that will be clear. So this shows you the difference. So you can see here life, no changes. Income protection, no changes. The only change is PPD. So when we add the 22% tax through the six fifty, it's about 833,333 for you. Reducing it a little bit, and you can also see the price difference at the bottom. So after the tax, it's then reduced to 3,024 and 26 percent. Mhmm. No. No. Not changing any structure types or anything like that. Literally just how much you will get. With this hair, because you now have TPD lower than life and because they cancel each other out if you claim on TPD, it will mean that you have a little bit of extra life if you were to claim on TPD first. So you will have about 360,179 left of life if you were to claim on TPD first. Yep. Does that make sense? Yep. Perfect. Correct. Sorry. Correct. So after the tax, it will come down to about that 650 for the mortgage. But it also depends on the age of when you need to claim on it. So if you need to claim on it, if you're over 60, you don't have to pay the tax. But if it's under 60, you have to pay. Yeah. And now we can obviously keep adjusting these because they do increase with inflation for you, and they do get more expensive with age. So we can always reassess it each year at annual review time as well if you feel like and, also, your mortgage might decrease each year as well. So we can always keep decreasing it if you feel like that's what you want because it's really easy to decrease it. Yep. Correct. Yes. So just be mindful of that, obviously, that if we decrease it and then you call me in a month and say, do you know what? I wanna change it up to one one. That can be difficult depending on, you know, health and stuff like that. And you have to go through the whole underwriting process again, and they can rewrite the whole policy. So just be a little bit mindful of quite hard sometimes to increase it, easy to decrease. Yep. Now on the the second page here, it will then show you the outside linked policy. And, again, there is a typo on the definition. It's definitely an own occupation, so that is correct. Again, not changing anything through the income protection that stays exactly the same, and the only change is PPD. So this is the out of pocket expense for the one that you pay for yourself. Again, just changing through TPD to match exactly the same as the one inside, but making it a little bit cheaper for you. Yep. Perfect. So on the next couple of pages, it basically just outlines the recommendation again, what your goals were in regards to it, also some advantages, disadvantages, and risks, again, to be mindful of, as well as, you know, alternatives considered. Kind of at the end there for you, Jayesh, which is just outline the ongoing services, also some important information as well as then the last bit, which is the remuneration. So that is page 26 or 25 where it says remuneration. Can you see that? Yep. Yep. So there's no changes or increases or anything like that through the advice fees. It stays exactly the same. But if you are happy and you would like to go ahead with the change of investment and reducing those that TPD for you. There is no additional fees or charges. It stays exactly the same at 1.65 from superannuation there for you. And underneath that, it would just be outlined the the Tel commission. So with the tile insurances, we do get commissions for the policy, but that is tile paying us. It is not you paying us. Before compliances, we have to disclose any commission we receive so that you are fully aware. But, again, that is TAIL paying us, not you paying us. And it's the same for every single insurance provider out there. Yes. Yes. That is an annual premium. Yes. Yes. Any questions in regards to that? No. Correct. The only thing is the premium for Tal is less because it's calculated on a percentage of the premium. And because we are reducing the premium, it's less. But there's no increases in the advisory or anything like that. It's exactly the same. Yep. Perfect. And then on the the last couple of pages, it just basically outlines the authority to proceed and then how to implement the advice. So, basically, from here, the step will be obviously, take your time. Have a read through everything. If you have any questions, let me know. If you are happy to go ahead with the recommendation, I'll just need you to to sign this SOA. I'll get notified, and then I will let the team know to go ahead and make the investment change as well as process that reduction for you. Now I have also included so if you go to sign, there is a little box where it says if you want to make any changes. So if, for example, you decide that you only want to go ahead with insurance the super recommendation, but you don't wanna go ahead with insurance, you can actually free type that in the box if you do change your mind or if there's no changes, you can just put NA or a full stop. Whatever is easy for you. Yep. Perfect. Do you have any other questions before I let you go otherwise, Tejas? No? Yep. Yep. So pretty pretty Yep. Yeah. And it saves you a bit of money. Yes. Yes. Yep. Perfect. Well, I will let you go. Enjoy the rest of your day. Obviously, have a read through it. Like I said, any questions, let me know. If not, if you're happy to proceed, just sign the documents, and the team will get notified. If there's anything else that you do need, though, at any point in time, you know, don't hesitate to give me a call or call the office, and we can always book you in for a bit of a catch up. Yep. Perfect. No problem at all. I look forward to speaking with you soon again. Thanks. 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morning. Is this Jayesh? This is Veronica from Equity Financial. How are you? I'm good.\n\nThank you. I had you booked in this morning just to go over your strategy recommendation. Is now still a good time for you? Yep. Perfect.\n\nNow just 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. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Perfect. That's exactly what I have here.\n\nAnd thank you so much for confirming everything with your employer as well. That was great. Now I have to send you an email. Do you have access to your emails at the moment? Yep.\n\nPerfect. Yep. Yes. I did. Yeah.\n\nIt might show from my colleague, Morgan, because he just issued it for me. Yeah. Perfect. Now if you can click in to the email there for me, you should then see a cover page where it says OQ financial statement of advice. Yep.\n\nYep. Perfect. So just so you know as well, so before you click on on the link, if you wanna go back later, you will have a couple of attachments included. That is just for for research. So, like, your appendix or the links to the investments and stuff like that, it's all there for you if you do wanna have a read over that in your own time as well.\n\nYep. Perfect. Now I've done some research, obviously, from our last conversation in regards to your super and specifically your investments to see if there was anything we can do to kind of change things a little bit for you and improve kind of the returns moving forward. And then also getting those quotes to reduce your total permanent disability insurance. You remember that conversation and everything?\n\nYep. Great. Perfect. So today is just kind of putting that that recommendation in here for you. Every time we do make a recommendation, we have to put everything in a statement of advice so that you are completely across everything and you fully understand it.\n\nSo a lot of it is just the compliance. So I'll tryna go through this as quickly as I can for you and just kind of cover the main point. But if at any point in time we go through things and you're not sure, just interrupt me and let me know. Perfect. Now you will see on the cover page here, you will see my details as well.\n\nSo I am authorized under OPU Financial. You will also have my authorized representative number listed there and, obviously, all our contact details and everything like that on the cover page. Now on the second page there for me, you will see the best interest duty are duty outlined again. Can you see that? Yep.\n\nPerfect. So, basically, this just means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me.\n\nSo there's obviously a lot in place to protect you, essentially. Yep. Now if you can scroll for me through page three, you should see scope of advice. Yep. Perfect.\n\nSo, basically, this just kind of outlines the areas we are looking to say. Like I said, pretty straightforward and mainly reviewing your superannuation and your insurances. Now on the next page, you will then see some other goals that you mentioned that we're not making a recommendation on today. So that's, you know, property, potentially looking at investment property down the track and, obviously, some some family holidays. So if it's ever a situation where you do need advice on, you know, cash flow and budgeting to save for anything and stuff like that, just let me know, and we can always book you in for a bit of a catch up.\n\nBut, otherwise, pretty straightforward today, just basically those super and insurances. Yep. Perfect. So if you can kind of scroll through for me, you will see a section just talking about limited advice that basically just refers back through the areas we are scoping in and scoping out. But I also have to let you know that I'm not a legal practitioner, so I can't give you any legal advice.\n\nCan definitely refer you on to someone if you do need it. Yep. Perfect. Otherwise, if you scroll through, you will see a page where it says about you and then also your lifestyle assets and liabilities. If you can have a quick read over that for me, just to make sure that's up to date or if I need to make any changes in the back end for you.\n\nAnd, obviously, it could have changed a little bit since when we did the fax line, so the rough it is it's good. Yeah. That looks good. Yep. Yep.\n\nGreat. Now if you can then scroll to page eight for me, it should say your current superannuation and insurances. Can you see that? Yeah. Perfect.\n\nSo this just outlines your current situation. So it shows here you have 24 account and also your policy. So this shows you what you currently have in place. So you at the moment have life and PPD. So that's about $1,193,512.\n\nAnd then you also have your income protection. So the income protection will pay you a monthly amount of $4,172. You have a four week waiting period and a benefit period through age of 65. Now because this is paid from within superannuation, you do get a a tax rebate of 15%, but the total premium at the moment is 3,551. Now I did do some research on your policy as well after the last conversation just to check as well how everything was linked for you.\n\nAnd your the way that your policy is currently set up is that your life and the TPD are linked together. So what that means is if you were to claim on TPD, it cancels your life policy. Yep. I could still change the TPD amount for you to be a little bit less as per kind of your goals, so that was fine. They just said I couldn't have TPD more than life, which is fine because in this instance, we're looking at doing the opposite for you.\n\nYeah. Correct. At the if we if we don't go ahead with the reduction, it will cancel because it's the same amount. But when it's reduced, it will be whatever's left over. But let's say right now, if you don't do a change and you claim, obviously, that 1,000,193, it will because it's the same amount at the moment as your life, it will cancel life.\n\nYeah. Perfect. Now the next page, it just shows you the outside super policy. You have a split to get some additional benefits, which is great. It's the same policy.\n\nIt's just kind of held inside and outside for for those additional benefits for you. And total premium for the outside portion is a 1,153 on an annual basis. Yes. Yes. Correct.\n\nYes. Yep. Correct. That is correct. That is a a a typo in the document.\n\nThat is correct. It is that's what gives you that special definition, which is the the own occupation. Yes. Now on the next page, you will see your risk profile. Can you see that kind of outlined for you?\n\nYep. So we're not making any changes to your risk profile. We kind of discussed that last time. You came out as a growth investor. It's very suitable for for where you are in terms of your tolerance, but also time frame.\n\nYou do have plenty of time of your retirement. So it's definitely a good risk allocation for you. So we're not making any changes to your risk profile, but I have made some recommendations on changing some of your investments, which I will go through in detail with you. Yep. Any questions so far?\n\nOh, that's pretty straightforward. Yep. Great. Perfect. Now on the next page, which is page 12, you will see a heading where it outlines the recommendation.\n\nSo I have recommended that you retain hub twenty four and change your underlying investment. Now what I will show you first is just a table that have all the numbers because it's sometimes easier to see it that way. But, basically, on the next couple of pages, again, I'll let you have a read over this, but this just outlines more in black and white the recommendation and why I have made the recommendation that I have made. So it outlines the best interest duty, which talks about, you know, kind of making sure that we put you in the best position. So I did consider a lot of different options for you.\n\nBut after I kind of considered all of them, Hub twenty four was the most competitive in terms of fees, investment choices. So I have recommended that you stay in in Hub twenty four, but also from a capital gains point of view as well. So when we are selling and buying selling the investments in super, there are capital gains tax on the earnings. So I also wanna make sure we minimize that as much as possible. Now I also considered, the SMA for you.\n\nDo you remember kind of talking about that briefly? Yeah. Correct. So I did a lot of research on on that for you. And at the moment, I have not recommended the SMA.\n\nThe reason I haven't is because when I did the comparison, it was a little bit more expensive than what I have recommended. But also looking at historical returns, it wasn't doing as well. So, you know, having slightly higher fees, slightly less return, but then also the capital gains because there was more changes in the investment was a lot higher. So I just couldn't justify that recommendation right now. That's not to say that if things change, we could look at it, but I haven't I haven't made the recommendation through the SMA at this point anyway for you.\n\nNow you will also see on page 13 some advantages and disadvantages and risks with the with the recommendation. So every time we do make a recommendation, there's obviously advantages with it, also some disadvantages to be mindful of, and then the risks are outlined. So you can kind of see here which which kind of summarize everything in the table when you have a look at it. But one of the advantage is that it is a lot lower investment fee, so you are saving cost. It continues to be in line with your risk profile.\n\nA disadvantage is the capital gains tax, which, again, I will outline for you. And some risk is that there's always a level of risk associated with any investment option to be mindful of. Yep. Yes. Exactly.\n\nSorry. What I'll do, actually, I'll scroll down because it makes it easier if, like, you can see the table. But first, if you go to page 14, you will see that I did consider another option, which was my north, which is very competitive to hub twenty four. But to do a full sell down through to to swap you to any other super fund because your super has grown since you came on board, which is great. The full capital gains tax by doing that would be 4,671.\n\nSo it was it was quite high. So, obviously, trying to minimize that. So from a numbers point, if you can scroll down first through page 18, it then kind of shows you like an updated projection. Can you see that okay? Next page.\n\nSorry. It sometimes factors in the the cover page. So at the bottom of the page. Correct. Yes.\n\nSo you can see here the second column, your current situation. Obviously, you have 24, current balance, current fees as well. So you can see your total cost at the moment for everything there is 6,012 in hub twenty four. Now you also have your growth portfolio. Underneath it, you have your five year rolling outwards.\n\nSo in the last five years, on a yearly basis, averaging it out, your portfolio has done 11.77%. Now on the recommended side, you will then see the change. So you can see here that when looking at investment fees, for example, you can see that the recommended investments are quite a bit cheaper than what you're currently invested in. It's about $675 per year cheaper in investment fees a lot, which does make a pretty big difference. Correct.\n\nYes. More passive. Correct. Yes. That definitely plays plays a role in it.\n\nThat is a bit more expensive, and especially if they if they haven't recently outperformed, then, you know, there's no need paying additional fees if they're not then outperforming it in terms of return. Yep. Correct. Correct. Correct.\n\nExactly. Yes. No. I didn't want to do that. So focusing on fees, so reducing the fees where we can, but exactly like you said, do not wanna compromise on the returns on the investments either.\n\nSo when you add everything up, obviously, the the slightly less fees as well as physical growth, it does make quite a bit of a difference. Now on the top there, before I show you the next page where you see the balance and it says minus 1,373, that is the capital gains tax. So still on the same page, but at the top of that, where it says balance on the first row yep. So the only reason it's a difference, it is just because of the tax. So that does fluctuate, obviously, and it's an an estimate when we did it.\n\nSo it will be around 1,373, but that is obviously a lot less than the full sell down of 4,671. So try to minimize that as much as possible while still making sure we can achieve the other area. Does that make sense? Yes. That's the tax that will come out of your superannuation, the capital gains tax on selling some of your investments.\n\nSo you don't have to pay for it personally. It will be from your superannuation, but that is the the tax on the earnings of your investment in your superannuation. Yep. Any questions? Correct.\n\nCorrect. Which is why it's a lot lower. So for for for reference further up when you have a look at it as well, when I looked at, you know, the my north and other super funds, that would mean we would sell everything. And if we were to sell everything, the tax would be about 4,671, so a lot more. So we obviously kinda minimize swapping as long as they're doing good for you.\n\nYep. Now on the the next page, you will then see kind of projected outcome for five and ten years. So it then shows you, you know, the difference. So reducing a little bit in fees as well as the improvement in the returns, and that is also factoring in that the tax comes out, it still makes a pretty big difference when we are looking at that five and ten year time frame for you. Yep.\n\nNow underneath that, there is a little disclaimer there for you, and that is just talking about division two nine three. You probably would have got a letter in the past in regards to that from the ATO and stuff, But it's just a bit of a disclaimer because, obviously, you are on a pretty high income, which is great. But on the downside, it means that you have to pay additional taxes. Sorry. Because you are a high income earner.\n\nDid you receive that letter last year as well? Not sure. Yeah. No. No.\n\nThat's okay. So it's it's just there for your information. Because I haven't, in the calculation, taken out the additional 15% tax, and that is just because you can elect to have it paid personally or from superannuation. And so but it's just a there as a disclaimer for you, and that's what that is because you you are high. Yes.\n\nGreat. Yep. Perfect. Now underneath that as well, you will also have a bit more outline on the return. So you'll have a twelve month, a three year, and a five year to give you a little bit more, and it still shows you that across all all three time frames, the recommended portfolio has still outperformed your current one in all time frame.\n\nPerfect. Now if you then wanna scroll up for me, actually, and I'll show you the investments, which is page 15 or 16, it should have investment table. Yep. Perfect. So you can see, obviously, all your investments in the first column, the current weight, how that reflects in the balance, and then the buy and sell.\n\nSo whatever is in red is what we are selling. Black is what we are buying, and then the target weight is the percentage we are aiming for and then how that correlates with the dollar value. So, essentially, in term yes? Yep. Yep.\n\nThe the the hybrid one, the BetterShares Australian Bank hybrid, it's not too bad, but it's being phased out. So they're actually stopping stopping it. So it's being completely phased out altogether. So it will stop the investment soon. So we are changing that one.\n\nSo kind of overall, we wanted to focus on keeping you in a growth portfolio, keeping you as diversified as we can while still making sure that we keep the growth up. So, essentially, how the new portfolio has been structured, we are still very much aligning with the core satellite approach to investment. So still focusing on where you have the majority of the funds in what we call your core investment. So these are kind of, you know, the backbones of the portfolio and are mainly those passive index funds. So these are your biggest shareholding.\n\nSo for example, you will see 30%, which you you kind of already had. You had 26.08 in the iShares S and P 500. You've probably heard of this number four? Yeah. Yeah.\n\nPerfect. Now you then have 20% in beta shares Australia 200. So this is the one as well where we kind of we wanted to make sure that if we obviously reduced the Benelong Australian equity, we still wanna make sure you have some exposure to the Australian market as well. So but this one here is more of that passive investment. So it does invest still in the 200 largest companies listed on the ASX.\n\nYou still have all the big companies like Commonwealth and BHP and Woolworths. So that's why that one is 20%. You then have your your satellite investments. So these are the ones that's a little bit more specialized. They can be a little bit more volatile, and that's why they only represent a smaller portion of the portfolio.\n\nBut these are also the ones that we can see the biggest growth areas in. So these can be a little bit more targeted to different sectors or regions or assets. So, for example, you have 8% invested in iShares Europe, 5% in Japan, and then you have 8% in Vanguard or Wells. But this one excludes The US because you already have exposure to The US in the ISHES S and P 500. And we don't wanna have too much in one, you know, market as well.\n\nDoes that make sense? Yeah. Perfect. Yes. Because it was yes.\n\nYes. So we we're doing a gold that has been doing really well, but we also don't want you to be too overweight in gold as well. So it does still wanna make sure that it aligns with your your risk profile. And because it has gone up quite a bit, which is good, obviously, the prices have have gone up, which which is good. But, yeah, we don't wanna be too weighted in gold either because the it's more of that kind of can act as both a growth and a defensive.\n\nBut because we're still targeting and trying to grow your portfolio, we don't want too much allocated to this area as well. We still wanna have it as a foundation in your portfolio, so we still wanna have it about 10%. We're also keeping the beta shift cybersecurity. It is one of those kind of satellite investment I mentioned. Can see a bit of fluctuation with what's going on in the world, but there's a lot of opportunities in this space as well.\n\nSo having reducing that a little bit to to 5%. And then you'll have your defensive just like your fixed interest investment at about 14%, which is basically what we swapped the the bank hybrids for as well for you. Now now with your investments as well sorry. That's kind of what I mentioned. I have made so in the appendix, which was one of those attachments in the email as well, there is investment links.\n\nSo all of these investments I have recommended are there for you. So if you want to read up on them a little bit more, it's all in there for you as well. So all the research and everything is there for you. Yep. Now, on the the page 16 or 17, you will also see just the cash component outline.\n\nHub twenty four, they do have a minimum of 1.25% that needs to be allocated for for cash, which is also good for, you know, if you have any fees and insurances and stuff like that coming out. It also helps stabilize a little bit, but that is the minimum. We don't wanna have too much in it, obviously, because that won't grow as much. So we just wanna have about the target of that minimum 1.25. Yep.\n\nNow then the asset allocation table. So can you see that okay? Yep. Perfect. So kind of like I said, we're not really making any changes to your risk profile keeping you within a growth one.\n\nNow you can see risk profile on the second column, and it just kind of outlines a typical risk profile in growth, your existing portfolio, and then the proposed. So you can see that both are pretty close, but the proposed is reducing a little bit in growth and a little bit more in defensive overall, but still very much kind of aligned in that 80 to 90 range and keeping it consistent there for you. Now if you then want to scroll down to page 20 for me. Yes. 20.\n\nTwo zero, please. On 21. Now before I do go into the insurance change, do you have any other questions on Max the Super and the investments otherwise at this point? No? Yes.\n\nYes. Yes. Now with your insurances, so, obviously, you mentioned that you wanted to have enough cover to cover the mortgage and then also kind of gross up the tax. So the tax of up to 22% that comes out. So if something were to happen, that will be clear.\n\nSo this shows you the difference. So you can see here life, no changes. Income protection, no changes. The only change is PPD. So when we add the 22% tax through the six fifty, it's about 833,333 for you.\n\nReducing it a little bit, and you can also see the price difference at the bottom. So after the tax, it's then reduced to 3,024 and 26 percent. Mhmm. No. No.\n\nNot changing any structure types or anything like that. Literally just how much you will get. With this hair, because you now have TPD lower than life and because they cancel each other out if you claim on TPD, it will mean that you have a little bit of extra life if you were to claim on TPD first. So you will have about 360,179 left of life if you were to claim on TPD first. Yep.\n\nDoes that make sense? Yep. Perfect. Correct. Sorry.\n\nCorrect. So after the tax, it will come down to about that 650 for the mortgage. But it also depends on the age of when you need to claim on it. So if you need to claim on it, if you're over 60, you don't have to pay the tax. But if it's under 60, you have to pay.\n\nYeah. And now we can obviously keep adjusting these because they do increase with inflation for you, and they do get more expensive with age. So we can always reassess it each year at annual review time as well if you feel like and, also, your mortgage might decrease each year as well. So we can always keep decreasing it if you feel like that's what you want because it's really easy to decrease it. Yep.\n\nCorrect. Yes. So just be mindful of that, obviously, that if we decrease it and then you call me in a month and say, do you know what? I wanna change it up to one one. That can be difficult depending on, you know, health and stuff like that.\n\nAnd you have to go through the whole underwriting process again, and they can rewrite the whole policy. So just be a little bit mindful of quite hard sometimes to increase it, easy to decrease. Yep. Now on the the second page here, it will then show you the outside linked policy. And, again, there is a typo on the definition.\n\nIt's definitely an own occupation, so that is correct. Again, not changing anything through the income protection that stays exactly the same, and the only change is PPD. So this is the out of pocket expense for the one that you pay for yourself. Again, just changing through TPD to match exactly the same as the one inside, but making it a little bit cheaper for you. Yep.\n\nPerfect. So on the next couple of pages, it basically just outlines the recommendation again, what your goals were in regards to it, also some advantages, disadvantages, and risks, again, to be mindful of, as well as, you know, alternatives considered. Kind of at the end there for you, Jayesh, which is just outline the ongoing services, also some important information as well as then the last bit, which is the remuneration. So that is page 26 or 25 where it says remuneration. Can you see that?\n\nYep. Yep. So there's no changes or increases or anything like that through the advice fees. It stays exactly the same. But if you are happy and you would like to go ahead with the change of investment and reducing those that TPD for you.\n\nThere is no additional fees or charges. It stays exactly the same at 1.65 from superannuation there for you. And underneath that, it would just be outlined the the Tel commission. So with the tile insurances, we do get commissions for the policy, but that is tile paying us. It is not you paying us.\n\nBefore compliances, we have to disclose any commission we receive so that you are fully aware. But, again, that is TAIL paying us, not you paying us. And it's the same for every single insurance provider out there. Yes. Yes.\n\nThat is an annual premium. Yes. Yes. Any questions in regards to that? No.\n\nCorrect. The only thing is the premium for Tal is less because it's calculated on a percentage of the premium. And because we are reducing the premium, it's less. But there's no increases in the advisory or anything like that. It's exactly the same.\n\nYep. Perfect. And then on the the last couple of pages, it just basically outlines the authority to proceed and then how to implement the advice. So, basically, from here, the step will be obviously, take your time. Have a read through everything.\n\nIf you have any questions, let me know. If you are happy to go ahead with the recommendation, I'll just need you to to sign this SOA. I'll get notified, and then I will let the team know to go ahead and make the investment change as well as process that reduction for you. Now I have also included so if you go to sign, there is a little box where it says if you want to make any changes. So if, for example, you decide that you only want to go ahead with insurance the super recommendation, but you don't wanna go ahead with insurance, you can actually free type that in the box if you do change your mind or if there's no changes, you can just put NA or a full stop.\n\nWhatever is easy for you. Yep. Perfect. Do you have any other questions before I let you go otherwise, Tejas? No?\n\nYep. Yep. So pretty pretty Yep. Yeah. And it saves you a bit of money.\n\nYes. Yes. Yep. Perfect. Well, I will let you go.\n\nEnjoy the rest of your day. Obviously, have a read through it. Like I said, any questions, let me know. If not, if you're happy to proceed, just sign the documents, and the team will get notified. If there's anything else that you do need, though, at any point in time, you know, don't hesitate to give me a call or call the office, and we can always book you in for a bit of a catch up.\n\nYep. Perfect. No problem at all. I look forward to speaking with you soon again. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.48,"end":2.96,"sentiment":"neutral","sentiment_score":0.2620695233345032},{"text":"Is this Jayesh?","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.08201515922943751},{"text":"This is Veronica from Equity Financial.","start":5.2,"end":8.26,"sentiment":"neutral","sentiment_score":0.1411819482843081},{"text":"How are you?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.16873405873775482},{"text":"I'm good.","start":10.96,"end":11.679999,"sentiment":"positive","sentiment_score":0.5556046068668365}],"sentiment":"neutral","sentiment_score":0.20216797525063157,"num_words":16,"start":2.48,"end":11.679999},{"sentences":[{"text":"Thank you.","start":11.679999,"end":12.5,"sentiment":"positive","sentiment_score":0.692150890827179},{"text":"I had you booked in this morning just to go over your strategy recommendation.","start":13.304999,"end":16.525,"sentiment":"positive","sentiment_score":0.3918947918074472},{"text":"Is now still a good time for you?","start":16.824999,"end":18.525,"sentiment":"neutral","sentiment_score":0.3143608830869198},{"text":"Yep.","start":19.625,"end":20.125,"sentiment":"neutral","sentiment_score":0.18397757411003113},{"text":"Perfect.","start":20.345,"end":20.845,"sentiment":"positive","sentiment_score":0.4206525683403015}],"sentiment":"positive","sentiment_score":0.38424407977324265,"num_words":26,"start":11.679999,"end":20.845},{"sentences":[{"text":"Now just 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":21.305,"end":28.204998,"sentiment":"neutral","sentiment_score":0.055066552141617084},{"text":"Perfect.","start":30.53,"end":31.01,"sentiment":"positive","sentiment_score":0.4038286507129669},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":31.01,"end":37.190002,"sentiment":"neutral","sentiment_score":0.08697467840587099},{"text":"Perfect.","start":47.185,"end":47.585,"sentiment":"positive","sentiment_score":0.6194696426391602},{"text":"That's exactly what I have here.","start":47.585,"end":49.025,"sentiment":"positive","sentiment_score":0.6881925364335378}],"sentiment":"neutral","sentiment_score":0.1448651771442812,"num_words":61,"start":21.305,"end":49.025},{"sentences":[{"text":"And thank you so much for confirming everything with your employer as well.","start":49.025,"end":53.185,"sentiment":"positive","sentiment_score":0.6982280428592975},{"text":"That was great.","start":53.185,"end":54.245,"sentiment":"positive","sentiment_score":0.6788802941640218},{"text":"Now I have to send you an email.","start":55.47,"end":57.95,"sentiment":"neutral","sentiment_score":0.09562789183109999},{"text":"Do you have access to your emails at the moment?","start":57.95,"end":59.89,"sentiment":"neutral","sentiment_score":0.02161696646362543},{"text":"Yep.","start":61.47,"end":61.97,"sentiment":"neutral","sentiment_score":0.08039507269859314}],"sentiment":"positive","sentiment_score":0.3478626660470452,"num_words":35,"start":49.025,"end":61.97},{"sentences":[{"text":"Perfect.","start":62.59,"end":63.09,"sentiment":"neutral","sentiment_score":0.14148229360580444},{"text":"Yep.","start":72.955,"end":73.455,"sentiment":"neutral","sentiment_score":0.03271223604679108},{"text":"Yes.","start":74.235,"end":74.635,"sentiment":"neutral","sentiment_score":0.05180234834551811},{"text":"I did.","start":74.635,"end":75.295,"sentiment":"neutral","sentiment_score":0.08887695148587227},{"text":"Yeah.","start":75.435,"end":75.935,"sentiment":"neutral","sentiment_score":0.08558302372694016}],"sentiment":"neutral","sentiment_score":0.08155563411613305,"num_words":6,"start":62.59,"end":75.935},{"sentences":[{"text":"It might show from my colleague, Morgan, because he just issued it for me.","start":78.475,"end":83.58,"sentiment":"neutral","sentiment_score":0.10499012390417713},{"text":"Yeah.","start":84.920006,"end":85.420006,"sentiment":"neutral","sentiment_score":0.15365397930145264},{"text":"Perfect.","start":85.880005,"end":86.380005,"sentiment":"neutral","sentiment_score":0.244589239358902},{"text":"Now if you can click in to the email there for me, you should then see a cover page where it says OQ financial statement of advice.","start":86.840004,"end":96.14,"sentiment":"neutral","sentiment_score":0.10671102200393323},{"text":"Yep.","start":100.505,"end":101.005,"sentiment":"neutral","sentiment_score":0.07778658717870712}],"sentiment":"neutral","sentiment_score":0.10970657124099406,"num_words":44,"start":78.475,"end":101.005},{"sentences":[{"text":"Yep.","start":101.465,"end":101.945,"sentiment":"neutral","sentiment_score":0.07290536165237427},{"text":"Perfect.","start":101.945,"end":102.445,"sentiment":"neutral","sentiment_score":0.2442726492881775},{"text":"So just so you know as well, so before you click on on the link, if you wanna go back later, you will have a couple of attachments included.","start":103.625,"end":111.325,"sentiment":"neutral","sentiment_score":0.13626070192147946},{"text":"That is just for for research.","start":112.28,"end":113.8,"sentiment":"neutral","sentiment_score":0.12828667213519415},{"text":"So, like, your appendix or the links to the investments and stuff like that, it's all there for you if you do wanna have a read over that in your own time as well.","start":113.8,"end":123.020004,"sentiment":"neutral","sentiment_score":0.1869298780665678}],"sentiment":"neutral","sentiment_score":0.16047991906673137,"num_words":71,"start":101.465,"end":123.020004},{"sentences":[{"text":"Yep.","start":124.055,"end":124.455,"sentiment":"neutral","sentiment_score":0.1344410628080368},{"text":"Perfect.","start":124.455,"end":124.955,"sentiment":"neutral","sentiment_score":0.07168129831552505},{"text":"Now I've done some research, obviously, from our last conversation in regards to your super and specifically your investments to see if there was anything we can do to kind of change things a little bit for you and improve kind of the returns moving forward.","start":125.095,"end":138.155,"sentiment":"neutral","sentiment_score":0.1814779853043349},{"text":"And then also getting those quotes to reduce your total permanent disability insurance.","start":138.63,"end":143.35,"sentiment":"neutral","sentiment_score":0.08214005913871986},{"text":"You remember that conversation and everything?","start":143.35,"end":145.45,"sentiment":"neutral","sentiment_score":0.017953158511469763}],"sentiment":"neutral","sentiment_score":0.14521864783574842,"num_words":67,"start":124.055,"end":145.45},{"sentences":[{"text":"Yep.","start":145.99,"end":146.39,"sentiment":"neutral","sentiment_score":0.2865329384803772},{"text":"Great.","start":146.39,"end":146.79,"sentiment":"positive","sentiment_score":0.7019086480140686},{"text":"Perfect.","start":146.79,"end":147.29,"sentiment":"positive","sentiment_score":0.67287278175354},{"text":"So today is just kind of putting that that recommendation in here for you.","start":147.51,"end":152.665,"sentiment":"positive","sentiment_score":0.4038159229925701},{"text":"Every time we do make a recommendation, we have to put everything in a statement of advice so that you are completely across everything and you fully understand it.","start":152.805,"end":161.125,"sentiment":"neutral","sentiment_score":0.24017844837287378}],"sentiment":"neutral","sentiment_score":0.3104328759338545,"num_words":46,"start":145.99,"end":161.125},{"sentences":[{"text":"So a lot of it is just the compliance.","start":161.125,"end":163.22499,"sentiment":"neutral","sentiment_score":0.20672949817445543},{"text":"So I'll tryna go through this as quickly as I can for you and just kind of cover the main point.","start":163.5,"end":169.28,"sentiment":"neutral","sentiment_score":0.20727345915067763},{"text":"But if at any point in time we go through things and you're not sure, just interrupt me and let me know.","start":169.42,"end":174.8,"sentiment":"neutral","sentiment_score":-0.0004600593291053718},{"text":"Perfect.","start":176.395,"end":176.895,"sentiment":"neutral","sentiment_score":0.3197324872016907},{"text":"Now you will see on the cover page here, you will see my details as well.","start":176.955,"end":181.115,"sentiment":"neutral","sentiment_score":0.1556339431554079}],"sentiment":"neutral","sentiment_score":0.13062409272727868,"num_words":69,"start":161.125,"end":181.115},{"sentences":[{"text":"So I am authorized under OPU Financial.","start":181.115,"end":184.175,"sentiment":"neutral","sentiment_score":0.10050849510090691},{"text":"You will also have my authorized representative number listed there and, obviously, all our contact details and everything like that on the cover page.","start":184.235,"end":192.69,"sentiment":"neutral","sentiment_score":0.11086761144300301},{"text":"Now on the second page there for me, you will see the best interest duty are duty outlined again.","start":193.55,"end":199.95,"sentiment":"neutral","sentiment_score":0.056462371231693974},{"text":"Can you see that?","start":199.95,"end":200.865,"sentiment":"neutral","sentiment_score":0.042381671257317066},{"text":"Yep.","start":202.065,"end":202.38501,"sentiment":"neutral","sentiment_score":0.0830138698220253}],"sentiment":"neutral","sentiment_score":0.08526741361076182,"num_words":55,"start":181.115,"end":202.38501},{"sentences":[{"text":"Perfect.","start":202.38501,"end":202.88501,"sentiment":"neutral","sentiment_score":0.2733306288719177},{"text":"So, basically, this just means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.","start":203.265,"end":213.925,"sentiment":"neutral","sentiment_score":0.11338075452617237},{"text":"Otherwise, I can't actually make the recommendation.","start":214.38,"end":216.64,"sentiment":"negative","sentiment_score":-0.45359951683453154},{"text":"And if I don't act in your best interest, then I will lose my license.","start":217.34,"end":221.2,"sentiment":"negative","sentiment_score":-0.5199627161026001},{"text":"And if I lose my license, I will lose my job, and my husband at home will be too happy with me.","start":221.26,"end":226.08,"sentiment":"negative","sentiment_score":-0.5027161294763739}],"sentiment":"neutral","sentiment_score":-0.22240918963216244,"num_words":80,"start":202.38501,"end":226.08},{"sentences":[{"text":"So there's obviously a lot in place to protect you, essentially.","start":226.7,"end":229.6,"sentiment":"neutral","sentiment_score":-0.03739360563287681},{"text":"Yep.","start":231.295,"end":231.795,"sentiment":"neutral","sentiment_score":0.0373368039727211},{"text":"Now if you can scroll for me through page three, you should see scope of advice.","start":232.815,"end":239.315,"sentiment":"neutral","sentiment_score":0.0451876234728843},{"text":"Yep.","start":244.43,"end":244.91,"sentiment":"neutral","sentiment_score":0.09907247126102448},{"text":"Perfect.","start":244.91,"end":245.39,"sentiment":"neutral","sentiment_score":0.27052780985832214}],"sentiment":"neutral","sentiment_score":0.02395364662321905,"num_words":30,"start":226.7,"end":245.39},{"sentences":[{"text":"So, basically, this just kind of outlines the areas we are looking to say.","start":245.39,"end":249.97,"sentiment":"neutral","sentiment_score":0.09359725617936679},{"text":"Like I said, pretty straightforward and mainly reviewing your superannuation and your insurances.","start":250.26999,"end":255.81,"sentiment":"neutral","sentiment_score":0.08610851604204911},{"text":"Now on the next page, you will then see some other goals that you mentioned that we're not making a recommendation on today.","start":257.20502,"end":264.345,"sentiment":"neutral","sentiment_score":-0.0896192556652038},{"text":"So that's, you know, property, potentially looking at investment property down the track and, obviously, some some family holidays.","start":264.725,"end":271.465,"sentiment":"neutral","sentiment_score":-0.030634624099260883},{"text":"So if it's ever a situation where you do need advice on, you know, cash flow and budgeting to save for anything and stuff like that, just let me know, and we can always book you in for a bit of a catch up.","start":271.525,"end":282.46002,"sentiment":"neutral","sentiment_score":0.06863514181565154}],"sentiment":"neutral","sentiment_score":0.02483555572354688,"num_words":113,"start":245.39,"end":282.46002},{"sentences":[{"text":"But, otherwise, pretty straightforward today, just basically those super and insurances.","start":282.46002,"end":286.24002,"sentiment":"neutral","sentiment_score":0.11113987050273201},{"text":"Yep.","start":287.965,"end":288.36502,"sentiment":"neutral","sentiment_score":0.25461822748184204},{"text":"Perfect.","start":288.36502,"end":288.86502,"sentiment":"positive","sentiment_score":0.5020231008529663},{"text":"So if you can kind of scroll through for me, you will see a section just talking about limited advice that basically just refers back through the areas we are scoping in and scoping out.","start":289.24503,"end":301.38,"sentiment":"neutral","sentiment_score":0.18552321983235223},{"text":"But I also have to let you know that I'm not a legal practitioner, so I can't give you any legal advice.","start":301.7,"end":306.92,"sentiment":"neutral","sentiment_score":-0.03556443598460068}],"sentiment":"neutral","sentiment_score":0.1098582143762282,"num_words":70,"start":282.46002,"end":306.92},{"sentences":[{"text":"Can definitely refer you on to someone if you do need it.","start":307.30002,"end":310.44,"sentiment":"neutral","sentiment_score":0.14849902503192425},{"text":"Yep.","start":311.62,"end":312.1,"sentiment":"neutral","sentiment_score":0.124875009059906},{"text":"Perfect.","start":312.1,"end":312.6,"sentiment":"positive","sentiment_score":0.3405067026615143},{"text":"Otherwise, if you scroll through, you will see a page where it says about you and then also your lifestyle assets and liabilities.","start":312.98,"end":320.025,"sentiment":"neutral","sentiment_score":0.09398795761491942},{"text":"If you can have a quick read over that for me, just to make sure that's up to date or if I need to make any changes in the back end for you.","start":320.725,"end":328.8,"sentiment":"neutral","sentiment_score":0.0788927727350683}],"sentiment":"neutral","sentiment_score":0.10017935053578444,"num_words":70,"start":307.30002,"end":328.8},{"sentences":[{"text":"And, obviously, it could have changed a little bit since when we did the fax line, so the rough it is it's good.","start":337.19998,"end":342.96,"sentiment":"neutral","sentiment_score":0.020010045284162396},{"text":"Yeah.","start":342.96,"end":343.46,"sentiment":"neutral","sentiment_score":0.06616188585758209},{"text":"That looks good.","start":344.645,"end":345.685,"sentiment":"neutral","sentiment_score":0.1773204356431961},{"text":"Yep.","start":345.685,"end":346.185,"sentiment":"neutral","sentiment_score":0.003845680505037308},{"text":"Yep.","start":347.845,"end":348.345,"sentiment":"neutral","sentiment_score":0.1327063888311386}],"sentiment":"neutral","sentiment_score":0.041203665643416605,"num_words":29,"start":337.19998,"end":348.345},{"sentences":[{"text":"Great.","start":348.405,"end":348.905,"sentiment":"positive","sentiment_score":0.369753897190094},{"text":"Now if you can then scroll to page eight for me, it should say your current superannuation and insurances.","start":349.125,"end":354.985,"sentiment":"neutral","sentiment_score":0.13402621644107918},{"text":"Can you see that?","start":355.125,"end":356.1,"sentiment":"neutral","sentiment_score":0.08456399850547314},{"text":"Yeah.","start":357.54,"end":357.94,"sentiment":"neutral","sentiment_score":0.19381119310855863},{"text":"Perfect.","start":357.94,"end":358.34,"sentiment":"positive","sentiment_score":0.3746916651725769}],"sentiment":"neutral","sentiment_score":0.1470388793028318,"num_words":26,"start":348.405,"end":358.34},{"sentences":[{"text":"So this just outlines your current situation.","start":358.34,"end":360.6,"sentiment":"neutral","sentiment_score":0.14435177402836935},{"text":"So it shows here you have 24 account and also your policy.","start":360.74002,"end":364.44,"sentiment":"neutral","sentiment_score":0.11971355105439822},{"text":"So this shows you what you currently have in place.","start":365.30002,"end":367.88,"sentiment":"neutral","sentiment_score":0.07958170287311077},{"text":"So you at the moment have life and PPD.","start":367.94,"end":372.095,"sentiment":"neutral","sentiment_score":0.06319189858105448},{"text":"So that's about $1,193,512.","start":372.715,"end":377.775,"sentiment":"neutral","sentiment_score":0.06491822563111782}],"sentiment":"neutral","sentiment_score":0.09693433450801033,"num_words":42,"start":358.34,"end":377.775},{"sentences":[{"text":"And then you also have your income protection.","start":378.795,"end":381.63,"sentiment":"neutral","sentiment_score":0.07177863921970129},{"text":"So the income protection will pay you a monthly amount of $4,172.","start":381.77,"end":388.75,"sentiment":"neutral","sentiment_score":0.08332754205912352},{"text":"You have a four week waiting period and a benefit period through age of 65.","start":389.29,"end":394.67,"sentiment":"neutral","sentiment_score":0.06788976490497589},{"text":"Now because this is paid from within superannuation, you do get a a tax rebate of 15%, but the total premium at the moment is 3,551.","start":395.23502,"end":406.77,"sentiment":"neutral","sentiment_score":0.07256083792218795},{"text":"Now I did do some research on your policy as well after the last conversation just to check as well how everything was linked for you.","start":408.93,"end":415.83,"sentiment":"neutral","sentiment_score":0.011304647590105351}],"sentiment":"neutral","sentiment_score":0.05486216914208456,"num_words":87,"start":378.795,"end":415.83},{"sentences":[{"text":"And your the way that your policy is currently set up is that your life and the TPD are linked together.","start":416.93,"end":423.32498,"sentiment":"neutral","sentiment_score":-0.10220336754407201},{"text":"So what that means is if you were to claim on TPD, it cancels your life policy.","start":423.945,"end":429.485,"sentiment":"neutral","sentiment_score":-0.2981269789092681},{"text":"Yep.","start":431.145,"end":431.645,"sentiment":"neutral","sentiment_score":-0.02250867336988449},{"text":"I could still change the TPD amount for you to be a little bit less as per kind of your goals, so that was fine.","start":432.425,"end":439.68,"sentiment":"neutral","sentiment_score":-0.0657456098496914},{"text":"They just said I couldn't have TPD more than life, which is fine because in this instance, we're looking at doing the opposite for you.","start":440.3,"end":447.28,"sentiment":"neutral","sentiment_score":-0.1365497064590454}],"sentiment":"neutral","sentiment_score":-0.1381384375390042,"num_words":89,"start":416.93,"end":447.28},{"sentences":[{"text":"Yeah.","start":448.13998,"end":448.63998,"sentiment":"neutral","sentiment_score":-0.010065512731671332},{"text":"Correct.","start":457.435,"end":457.935,"sentiment":"neutral","sentiment_score":0.011725135147571564},{"text":"At the if we if we don't go ahead with the reduction, it will cancel because it's the same amount.","start":458.395,"end":464.415,"sentiment":"neutral","sentiment_score":-0.18635412808507681},{"text":"But when it's reduced, it will be whatever's left over.","start":465.69,"end":470.03,"sentiment":"neutral","sentiment_score":-0.1516126923263073},{"text":"But let's say right now, if you don't do a change and you claim, obviously, that 1,000,193, it will because it's the same amount at the moment as your life, it will cancel life.","start":470.41,"end":481.215,"sentiment":"neutral","sentiment_score":-0.22846084657837362}],"sentiment":"neutral","sentiment_score":-0.19710937342747595,"num_words":66,"start":448.13998,"end":481.215},{"sentences":[{"text":"Yeah.","start":482.555,"end":483.035,"sentiment":"neutral","sentiment_score":0.06953328847885132},{"text":"Perfect.","start":483.035,"end":483.535,"sentiment":"neutral","sentiment_score":0.3073657751083374},{"text":"Now the next page, it just shows you the outside super policy.","start":484.63498,"end":489.215,"sentiment":"neutral","sentiment_score":0.12672059051692486},{"text":"You have a split to get some additional benefits, which is great.","start":489.275,"end":492.75,"sentiment":"positive","sentiment_score":0.3615317704776923},{"text":"It's the same policy.","start":493.23,"end":495.01,"sentiment":"neutral","sentiment_score":0.31779611110687256}],"sentiment":"neutral","sentiment_score":0.2502370613316695,"num_words":30,"start":482.555,"end":495.01},{"sentences":[{"text":"It's just kind of held inside and outside for for those additional benefits for you.","start":495.07,"end":501.01,"sentiment":"neutral","sentiment_score":0.16613906119018793},{"text":"And total premium for the outside portion is a 1,153 on an annual basis.","start":501.23,"end":511.935,"sentiment":"neutral","sentiment_score":0.0712897354470832},{"text":"Yes.","start":514.875,"end":515.195,"sentiment":"neutral","sentiment_score":0.08355493098497391},{"text":"Yes.","start":515.195,"end":515.595,"sentiment":"neutral","sentiment_score":0.08937357366085052},{"text":"Correct.","start":515.595,"end":516.095,"sentiment":"neutral","sentiment_score":0.11298736929893494}],"sentiment":"neutral","sentiment_score":0.11800181525177322,"num_words":32,"start":495.07,"end":516.095},{"sentences":[{"text":"Yes.","start":516.235,"end":516.735,"sentiment":"neutral","sentiment_score":0.06661663949489594},{"text":"Yep.","start":517.515,"end":518.015,"sentiment":"neutral","sentiment_score":0.03851835802197456},{"text":"Correct.","start":525.72,"end":526.22,"sentiment":"neutral","sentiment_score":0.024552863091230392},{"text":"That is correct.","start":527.07996,"end":528.12,"sentiment":"neutral","sentiment_score":0.048412407437960304},{"text":"That is a a a typo in the document.","start":528.12,"end":532.06,"sentiment":"neutral","sentiment_score":-0.023562404844495986}],"sentiment":"neutral","sentiment_score":0.004190895954767863,"num_words":15,"start":516.235,"end":532.06},{"sentences":[{"text":"That is correct.","start":532.43994,"end":533.31995,"sentiment":"neutral","sentiment_score":0.08286150296529134},{"text":"It is that's what gives you that special definition, which is the the own occupation.","start":533.31995,"end":539.525,"sentiment":"neutral","sentiment_score":0.037623632699251175},{"text":"Yes.","start":541.025,"end":541.525,"sentiment":"neutral","sentiment_score":0.05613556504249573},{"text":"Now on the next page, you will see your risk profile.","start":544.065,"end":548.99,"sentiment":"neutral","sentiment_score":0.03553257577798583},{"text":"Can you see that kind of outlined for you?","start":549.13,"end":551.23,"sentiment":"neutral","sentiment_score":0.04736825202902158}],"sentiment":"neutral","sentiment_score":0.04323710682682502,"num_words":39,"start":532.43994,"end":551.23},{"sentences":[{"text":"Yep.","start":551.61,"end":552.11,"sentiment":"neutral","sentiment_score":0.06348417699337006},{"text":"So we're not making any changes to your risk profile.","start":552.25,"end":554.81,"sentiment":"neutral","sentiment_score":-0.1571623083204031},{"text":"We kind of discussed that last time.","start":554.81,"end":556.75,"sentiment":"neutral","sentiment_score":-0.06216560250946453},{"text":"You came out as a growth investor.","start":557.21,"end":558.89,"sentiment":"neutral","sentiment_score":0.31124664204461233},{"text":"It's very suitable for for where you are in terms of your tolerance, but also time frame.","start":558.89,"end":563.065,"sentiment":"neutral","sentiment_score":0.32849272209055286}],"sentiment":"neutral","sentiment_score":0.13856677728749456,"num_words":42,"start":551.61,"end":563.065},{"sentences":[{"text":"You do have plenty of time of your retirement.","start":563.065,"end":565.005,"sentiment":"positive","sentiment_score":0.4267129931184981},{"text":"So it's definitely a good risk allocation for you.","start":566.025,"end":569.54504,"sentiment":"positive","sentiment_score":0.4864336947600047},{"text":"So we're not making any changes to your risk profile, but I have made some recommendations on changing some of your investments, which I will go through in detail with you.","start":569.54504,"end":579.5,"sentiment":"neutral","sentiment_score":0.11789587164117445},{"text":"Yep.","start":580.28,"end":580.78,"sentiment":"neutral","sentiment_score":0.1224941834807396},{"text":"Any questions so far?","start":580.84,"end":582.04004,"sentiment":"neutral","sentiment_score":0.083524689078331}],"sentiment":"neutral","sentiment_score":0.2283275028069814,"num_words":54,"start":563.065,"end":582.04004},{"sentences":[{"text":"Oh, that's pretty straightforward.","start":582.04004,"end":583.18,"sentiment":"neutral","sentiment_score":0.2438337430357933},{"text":"Yep.","start":585.09503,"end":585.335,"sentiment":"neutral","sentiment_score":0.2344011068344116},{"text":"Great.","start":585.335,"end":585.815,"sentiment":"positive","sentiment_score":0.6619008183479309},{"text":"Perfect.","start":585.815,"end":586.315,"sentiment":"positive","sentiment_score":0.5862882733345032},{"text":"Now on the next page, which is page 12, you will see a heading where it outlines the recommendation.","start":586.695,"end":592.635,"sentiment":"neutral","sentiment_score":0.1434734471534428}],"sentiment":"neutral","sentiment_score":0.19938156409905508,"num_words":26,"start":582.04004,"end":592.635},{"sentences":[{"text":"So I have recommended that you retain hub twenty four and change your underlying investment.","start":593.335,"end":599.195,"sentiment":"neutral","sentiment_score":0.16036546031634014},{"text":"Now what I will show you first is just a table that have all the numbers because it's sometimes easier to see it that way.","start":599.91,"end":607.45,"sentiment":"neutral","sentiment_score":0.12688538253307344},{"text":"But, basically, on the next couple of pages, again, I'll let you have a read over this, but this just outlines more in black and white the recommendation and why I have made the recommendation that I have made.","start":607.99,"end":620.625,"sentiment":"neutral","sentiment_score":0.15059796118965516},{"text":"So it outlines the best interest duty, which talks about, you know, kind of making sure that we put you in the best position.","start":620.625,"end":628.24,"sentiment":"neutral","sentiment_score":0.2785491117586692},{"text":"So I did consider a lot of different options for you.","start":628.24,"end":632.34,"sentiment":"neutral","sentiment_score":0.19741081107746472}],"sentiment":"neutral","sentiment_score":0.17813714525025143,"num_words":114,"start":593.335,"end":632.34},{"sentences":[{"text":"But after I kind of considered all of them, Hub twenty four was the most competitive in terms of fees, investment choices.","start":633.28,"end":641.83496,"sentiment":"neutral","sentiment_score":0.27447193827141414},{"text":"So I have recommended that you stay in in Hub twenty four, but also from a capital gains point of view as well.","start":642.855,"end":649.89496,"sentiment":"neutral","sentiment_score":0.325332874837129},{"text":"So when we are selling and buying selling the investments in super, there are capital gains tax on the earnings.","start":649.89496,"end":656.89,"sentiment":"neutral","sentiment_score":-0.028004501946270466},{"text":"So I also wanna make sure we minimize that as much as possible.","start":657.11,"end":660.73004,"sentiment":"neutral","sentiment_score":0.04718955892782945},{"text":"Now I also considered, the SMA for you.","start":662.15,"end":666.95,"sentiment":"neutral","sentiment_score":0.02962033567018807}],"sentiment":"neutral","sentiment_score":0.1605973915781739,"num_words":86,"start":633.28,"end":666.95},{"sentences":[{"text":"Do you remember kind of talking about that briefly?","start":666.95,"end":669.21,"sentiment":"neutral","sentiment_score":0.018841625915633306},{"text":"Yeah.","start":669.51,"end":670.01,"sentiment":"neutral","sentiment_score":0.03238151594996452},{"text":"Correct.","start":671.695,"end":672.195,"sentiment":"neutral","sentiment_score":0.0799548327922821},{"text":"So I did a lot of research on on that for you.","start":672.255,"end":675.47504,"sentiment":"neutral","sentiment_score":0.041036488177875675},{"text":"And at the moment, I have not recommended the SMA.","start":675.53503,"end":678.835,"sentiment":"neutral","sentiment_score":-0.121348936855793}],"sentiment":"neutral","sentiment_score":-0.013307288740620468,"num_words":33,"start":666.95,"end":678.835},{"sentences":[{"text":"The reason I haven't is because when I did the comparison, it was a little bit more expensive than what I have recommended.","start":679.375,"end":686.67004,"sentiment":"neutral","sentiment_score":-0.25836415264917456},{"text":"But also looking at historical returns, it wasn't doing as well.","start":687.53,"end":691.71,"sentiment":"neutral","sentiment_score":-0.25888400050726806},{"text":"So, you know, having slightly higher fees, slightly less return, but then also the capital gains because there was more changes in the investment was a lot higher.","start":692.09,"end":701.815,"sentiment":"neutral","sentiment_score":-0.24020282285554068},{"text":"So I just couldn't justify that recommendation right now.","start":702.355,"end":706.195,"sentiment":"neutral","sentiment_score":-0.2702568040953742},{"text":"That's not to say that if things change, we could look at it, but I haven't I haven't made the recommendation through the SMA at this point anyway for you.","start":706.195,"end":716.38,"sentiment":"neutral","sentiment_score":-0.08937689854453007}],"sentiment":"neutral","sentiment_score":-0.2042514529669344,"num_words":101,"start":679.375,"end":716.38},{"sentences":[{"text":"Now you will also see on page 13 some advantages and disadvantages and risks with the with the recommendation.","start":718.51996,"end":726.77997,"sentiment":"neutral","sentiment_score":-0.019944758595604645},{"text":"So every time we do make a recommendation, there's obviously advantages with it, also some disadvantages to be mindful of, and then the risks are outlined.","start":727.025,"end":735.365,"sentiment":"neutral","sentiment_score":-0.03895455437640731},{"text":"So you can kind of see here which which kind of summarize everything in the table when you have a look at it.","start":736.065,"end":741.205,"sentiment":"neutral","sentiment_score":0.09990809064196504},{"text":"But one of the advantage is that it is a lot lower investment fee, so you are saving cost.","start":743.0,"end":748.36,"sentiment":"positive","sentiment_score":0.45918719156792287},{"text":"It continues to be in line with your risk profile.","start":748.36,"end":751.10004,"sentiment":"positive","sentiment_score":0.39331446811556814}],"sentiment":"neutral","sentiment_score":0.13983318122276633,"num_words":97,"start":718.51996,"end":751.10004},{"sentences":[{"text":"A disadvantage is the capital gains tax, which, again, I will outline for you.","start":752.12,"end":757.74,"sentiment":"negative","sentiment_score":-0.39224526073251453},{"text":"And some risk is that there's always a level of risk associated with any investment option to be mindful of.","start":758.255,"end":764.515,"sentiment":"negative","sentiment_score":-0.37293236553668974},{"text":"Yep.","start":765.855,"end":766.355,"sentiment":"neutral","sentiment_score":0.09593629837036131},{"text":"Yes.","start":769.695,"end":770.195,"sentiment":"neutral","sentiment_score":0.08051269501447678},{"text":"Exactly.","start":771.05,"end":771.55,"sentiment":"neutral","sentiment_score":0.03914610669016838}],"sentiment":"negative","sentiment_score":-0.344175293538216,"num_words":37,"start":752.12,"end":771.55},{"sentences":[{"text":"Sorry.","start":771.61,"end":771.93,"sentiment":"neutral","sentiment_score":-0.07088092714548111},{"text":"What I'll do, actually, I'll scroll down because it makes it easier if, like, you can see the table.","start":771.93,"end":776.11,"sentiment":"neutral","sentiment_score":0.035460275254751504},{"text":"But first, if you go to page 14, you will see that I did consider another option, which was my north, which is very competitive to hub twenty four.","start":776.49,"end":786.02997,"sentiment":"neutral","sentiment_score":0.17549267536478824},{"text":"But to do a full sell down through to to swap you to any other super fund because your super has grown since you came on board, which is great.","start":786.315,"end":793.775,"sentiment":"positive","sentiment_score":0.3843074234823386},{"text":"The full capital gains tax by doing that would be 4,671.","start":794.155,"end":799.29,"sentiment":"neutral","sentiment_score":0.30891605669801886}],"sentiment":"neutral","sentiment_score":0.22910501351580023,"num_words":90,"start":771.61,"end":799.29},{"sentences":[{"text":"So it was it was quite high.","start":799.37,"end":800.91,"sentiment":"neutral","sentiment_score":-0.07316655665636063},{"text":"So, obviously, trying to minimize that.","start":801.13,"end":802.97,"sentiment":"neutral","sentiment_score":-0.011119396115342775},{"text":"So from a numbers point, if you can scroll down first through page 18, it then kind of shows you like an updated projection.","start":802.97,"end":813.625,"sentiment":"neutral","sentiment_score":0.07620595092885196},{"text":"Can you see that okay?","start":813.625,"end":814.765,"sentiment":"neutral","sentiment_score":0.11165186315774918},{"text":"Next page.","start":818.985,"end":819.705,"sentiment":"neutral","sentiment_score":-0.033807242289185524}],"sentiment":"neutral","sentiment_score":0.039561485914005476,"num_words":44,"start":799.37,"end":819.705},{"sentences":[{"text":"Sorry.","start":819.705,"end":820.205,"sentiment":"neutral","sentiment_score":-0.05491327494382858},{"text":"It sometimes factors in the the cover page.","start":820.265,"end":823.085,"sentiment":"neutral","sentiment_score":-0.012183542072307318},{"text":"So at the bottom of the page.","start":823.385,"end":825.165,"sentiment":"neutral","sentiment_score":0.009670991716640336},{"text":"Correct.","start":827.1,"end":827.5,"sentiment":"neutral","sentiment_score":0.06759599596261978},{"text":"Yes.","start":827.5,"end":828.0,"sentiment":"neutral","sentiment_score":0.1206558644771576}],"sentiment":"neutral","sentiment_score":0.005753732829665145,"num_words":18,"start":819.705,"end":828.0},{"sentences":[{"text":"So you can see here the second column, your current situation.","start":828.3,"end":832.39996,"sentiment":"neutral","sentiment_score":0.1597193960439075},{"text":"Obviously, you have 24, current balance, current fees as well.","start":832.54,"end":837.66,"sentiment":"neutral","sentiment_score":0.12306734174489975},{"text":"So you can see your total cost at the moment for everything there is 6,012 in hub twenty four.","start":837.66,"end":845.185,"sentiment":"neutral","sentiment_score":0.1529712014292416},{"text":"Now you also have your growth portfolio.","start":845.40497,"end":848.305,"sentiment":"neutral","sentiment_score":0.1239860366497721},{"text":"Underneath it, you have your five year rolling outwards.","start":849.08496,"end":852.365,"sentiment":"neutral","sentiment_score":0.1430080177055465}],"sentiment":"neutral","sentiment_score":0.14373239316046238,"num_words":56,"start":828.3,"end":852.365},{"sentences":[{"text":"So in the last five years, on a yearly basis, averaging it out, your portfolio has done 11.77%.","start":852.365,"end":861.77,"sentiment":"neutral","sentiment_score":0.172954846587446},{"text":"Now on the recommended side, you will then see the change.","start":862.87,"end":866.41,"sentiment":"neutral","sentiment_score":0.13763343475081705},{"text":"So you can see here that when looking at investment fees, for example, you can see that the recommended investments are quite a bit cheaper than what you're currently invested in.","start":866.805,"end":878.505,"sentiment":"neutral","sentiment_score":0.25747075364474326},{"text":"It's about $675 per year cheaper in investment fees a lot, which does make a pretty big difference.","start":878.78,"end":886.08,"sentiment":"positive","sentiment_score":0.3983861481149991},{"text":"Correct.","start":894.395,"end":894.895,"sentiment":"neutral","sentiment_score":0.1013968363404274}],"sentiment":"neutral","sentiment_score":0.25165944159785403,"num_words":79,"start":852.365,"end":894.895},{"sentences":[{"text":"Yes.","start":895.195,"end":895.695,"sentiment":"neutral","sentiment_score":0.058254558593034744},{"text":"More passive.","start":898.075,"end":898.895,"sentiment":"neutral","sentiment_score":0.03394460305571556},{"text":"Correct.","start":899.195,"end":899.695,"sentiment":"neutral","sentiment_score":0.07643401622772217},{"text":"Yes.","start":899.755,"end":900.255,"sentiment":"neutral","sentiment_score":0.12024527788162231},{"text":"That definitely plays plays a role in it.","start":900.395,"end":902.955,"sentiment":"neutral","sentiment_score":0.09473767853341997}],"sentiment":"neutral","sentiment_score":0.0831326528523977,"num_words":13,"start":895.195,"end":902.955},{"sentences":[{"text":"That is a bit more expensive, and especially if they if they haven't recently outperformed, then, you know, there's no need paying additional fees if they're not then outperforming it in terms of return.","start":902.955,"end":915.3,"sentiment":"neutral","sentiment_score":-0.3310367824400173},{"text":"Yep.","start":915.76,"end":916.26,"sentiment":"neutral","sentiment_score":0.2414450645446777},{"text":"Correct.","start":922.975,"end":923.475,"sentiment":"neutral","sentiment_score":0.23937582969665527},{"text":"Correct.","start":924.495,"end":924.995,"sentiment":"neutral","sentiment_score":0.24141620099544525},{"text":"Correct.","start":926.415,"end":926.915,"sentiment":"neutral","sentiment_score":0.20314112305641177}],"sentiment":"neutral","sentiment_score":-0.2718387469649315,"num_words":38,"start":902.955,"end":926.915},{"sentences":[{"text":"Exactly.","start":927.295,"end":927.795,"sentiment":"neutral","sentiment_score":0.18701831996440887},{"text":"Yes.","start":928.175,"end":928.495,"sentiment":"neutral","sentiment_score":0.09714724123477936},{"text":"No.","start":928.495,"end":928.735,"sentiment":"neutral","sentiment_score":-0.09497717022895812},{"text":"I didn't want to do that.","start":928.735,"end":930.115,"sentiment":"neutral","sentiment_score":-0.17619421581427255},{"text":"So focusing on fees, so reducing the fees where we can, but exactly like you said, do not wanna compromise on the returns on the investments either.","start":930.895,"end":939.93,"sentiment":"neutral","sentiment_score":0.17099560410888107}],"sentiment":"neutral","sentiment_score":0.1041362335284551,"num_words":36,"start":927.295,"end":939.93},{"sentences":[{"text":"So when you add everything up, obviously, the the slightly less fees as well as physical growth, it does make quite a bit of a difference.","start":940.38995,"end":949.215,"sentiment":"positive","sentiment_score":0.35836782363744885},{"text":"Now on the top there, before I show you the next page where you see the balance and it says minus 1,373, that is the capital gains tax.","start":949.355,"end":959.855,"sentiment":"neutral","sentiment_score":0.0066844672962491},{"text":"So still on the same page, but at the top of that, where it says balance on the first row yep.","start":962.33,"end":969.05005,"sentiment":"neutral","sentiment_score":0.010957156352344014},{"text":"So the only reason it's a difference, it is just because of the tax.","start":969.05005,"end":972.59,"sentiment":"neutral","sentiment_score":-0.005409408360719681},{"text":"So that does fluctuate, obviously, and it's an an estimate when we did it.","start":972.65,"end":977.315,"sentiment":"neutral","sentiment_score":-0.011103192610400063}],"sentiment":"neutral","sentiment_score":0.09226846959875915,"num_words":103,"start":940.38995,"end":977.315},{"sentences":[{"text":"So it will be around 1,373, but that is obviously a lot less than the full sell down of 4,671.","start":977.315,"end":986.91504,"sentiment":"neutral","sentiment_score":-0.02007159497588873},{"text":"So try to minimize that as much as possible while still making sure we can achieve the other area.","start":986.91504,"end":992.10004,"sentiment":"neutral","sentiment_score":0.1109435805364659},{"text":"Does that make sense?","start":992.32,"end":993.38,"sentiment":"neutral","sentiment_score":0.08859596494585276},{"text":"Yes.","start":997.84,"end":998.34,"sentiment":"neutral","sentiment_score":0.0380595326423645},{"text":"That's the tax that will come out of your superannuation, the capital gains tax on selling some of your investments.","start":1000.24,"end":1006.635,"sentiment":"neutral","sentiment_score":0.05611061081290245}],"sentiment":"neutral","sentiment_score":0.05033049592748284,"num_words":64,"start":977.315,"end":1006.635},{"sentences":[{"text":"So you don't have to pay for it personally.","start":1007.015,"end":1008.775,"sentiment":"neutral","sentiment_score":0.12038589517275493},{"text":"It will be from your superannuation, but that is the the tax on the earnings of your investment in your superannuation.","start":1008.775,"end":1015.35504,"sentiment":"neutral","sentiment_score":0.13329953948656717},{"text":"Yep.","start":1017.67004,"end":1018.17004,"sentiment":"neutral","sentiment_score":0.12634679675102234},{"text":"Any questions?","start":1019.03,"end":1019.85004,"sentiment":"neutral","sentiment_score":0.07778851687908173},{"text":"Correct.","start":1027.8301,"end":1028.3301,"sentiment":"neutral","sentiment_score":0.009945202618837357}],"sentiment":"neutral","sentiment_score":0.12278330643825672,"num_words":34,"start":1007.015,"end":1028.3301},{"sentences":[{"text":"Correct.","start":1029.225,"end":1029.625,"sentiment":"neutral","sentiment_score":0.1655893623828888},{"text":"Which is why it's a lot lower.","start":1029.625,"end":1031.145,"sentiment":"neutral","sentiment_score":0.20753792779786245},{"text":"So for for for reference further up when you have a look at it as well, when I looked at, you know, the my north and other super funds, that would mean we would sell everything.","start":1031.145,"end":1039.325,"sentiment":"neutral","sentiment_score":0.13072745693433616},{"text":"And if we were to sell everything, the tax would be about 4,671, so a lot more.","start":1039.385,"end":1045.79,"sentiment":"neutral","sentiment_score":0.0916832310750204},{"text":"So we obviously kinda minimize swapping as long as they're doing good for you.","start":1045.9299,"end":1051.15,"sentiment":"positive","sentiment_score":0.405134879052639}],"sentiment":"neutral","sentiment_score":0.1807339538882176,"num_words":75,"start":1029.225,"end":1051.15},{"sentences":[{"text":"Yep.","start":1052.33,"end":1052.83,"sentiment":"neutral","sentiment_score":0.20681828260421753},{"text":"Now on the the next page, you will then see kind of projected outcome for five and ten years.","start":1053.9299,"end":1060.425,"sentiment":"neutral","sentiment_score":0.24804993365940295},{"text":"So it then shows you, you know, the difference.","start":1061.125,"end":1064.8251,"sentiment":"neutral","sentiment_score":0.28991710974110496},{"text":"So reducing a little bit in fees as well as the improvement in the returns, and that is also factoring in that the tax comes out, it still makes a pretty big difference when we are looking at that five and ten year time frame for you.","start":1065.045,"end":1078.6799,"sentiment":"positive","sentiment_score":0.4751675737665055},{"text":"Yep.","start":1080.515,"end":1081.015,"sentiment":"neutral","sentiment_score":0.1156311258673668}],"sentiment":"positive","sentiment_score":0.389318546788259,"num_words":77,"start":1052.33,"end":1081.015},{"sentences":[{"text":"Now underneath that, there is a little disclaimer there for you, and that is just talking about division two nine three.","start":1081.315,"end":1087.255,"sentiment":"neutral","sentiment_score":0.03762839406373955},{"text":"You probably would have got a letter in the past in regards to that from the ATO and stuff, But it's just a bit of a disclaimer because, obviously, you are on a pretty high income, which is great.","start":1087.475,"end":1100.7001,"sentiment":"neutral","sentiment_score":0.05461283467518978},{"text":"But on the downside, it means that you have to pay additional taxes.","start":1101.0801,"end":1104.4401,"sentiment":"neutral","sentiment_score":-0.16068800538778305},{"text":"Sorry.","start":1104.4401,"end":1104.76,"sentiment":"neutral","sentiment_score":-0.06078575551509857},{"text":"Because you are a high income earner.","start":1104.76,"end":1106.7001,"sentiment":"neutral","sentiment_score":-0.018954448934112276}],"sentiment":"neutral","sentiment_score":0.007872664933035404,"num_words":81,"start":1081.315,"end":1106.7001},{"sentences":[{"text":"Did you receive that letter last year as well?","start":1107.635,"end":1110.375,"sentiment":"neutral","sentiment_score":-0.0008246198089586361},{"text":"Not sure.","start":1113.3949,"end":1114.115,"sentiment":"neutral","sentiment_score":-0.0638982243835926},{"text":"Yeah.","start":1114.115,"end":1114.4349,"sentiment":"neutral","sentiment_score":-0.03838191926479339},{"text":"No.","start":1114.4349,"end":1114.9349,"sentiment":"neutral","sentiment_score":-0.11027459800243378},{"text":"No.","start":1116.2749,"end":1116.595,"sentiment":"neutral","sentiment_score":-0.052861664444208145}],"sentiment":"neutral","sentiment_score":-0.024052586339946305,"num_words":14,"start":1107.635,"end":1116.595},{"sentences":[{"text":"That's okay.","start":1116.595,"end":1117.1549,"sentiment":"neutral","sentiment_score":-0.0032484596595168114},{"text":"So it's it's just there for your information.","start":1117.1549,"end":1119.255,"sentiment":"neutral","sentiment_score":0.04995938204228878},{"text":"Because I haven't, in the calculation, taken out the additional 15% tax, and that is just because you can elect to have it paid personally or from superannuation.","start":1120.115,"end":1130.75,"sentiment":"neutral","sentiment_score":0.038298501134184856},{"text":"And so but it's just a there as a disclaimer for you, and that's what that is because you you are high.","start":1132.01,"end":1138.3501,"sentiment":"neutral","sentiment_score":-0.025204444431107153},{"text":"Yes.","start":1140.9551,"end":1141.4551,"sentiment":"neutral","sentiment_score":0.042916007339954376}],"sentiment":"neutral","sentiment_score":0.015638596698886058,"num_words":61,"start":1116.595,"end":1141.4551},{"sentences":[{"text":"Great.","start":1141.995,"end":1142.495,"sentiment":"neutral","sentiment_score":0.254284143447876},{"text":"Yep.","start":1143.1951,"end":1143.6951,"sentiment":"neutral","sentiment_score":0.17284157872200012},{"text":"Perfect.","start":1144.635,"end":1145.135,"sentiment":"positive","sentiment_score":0.7365471124649048},{"text":"Now underneath that as well, you will also have a bit more outline on the return.","start":1145.755,"end":1149.995,"sentiment":"neutral","sentiment_score":0.2531464183703065},{"text":"So you'll have a twelve month, a three year, and a five year to give you a little bit more, and it still shows you that across all all three time frames, the recommended portfolio has still outperformed your current one in all time frame.","start":1149.995,"end":1163.99,"sentiment":"positive","sentiment_score":0.4367810087071525}],"sentiment":"positive","sentiment_score":0.38858063938096166,"num_words":64,"start":1141.995,"end":1163.99},{"sentences":[{"text":"Perfect.","start":1166.0651,"end":1166.5651,"sentiment":"positive","sentiment_score":0.6010052561759949},{"text":"Now if you then wanna scroll up for me, actually, and I'll show you the investments, which is page 15 or 16, it should have investment table.","start":1166.785,"end":1178.0851,"sentiment":"neutral","sentiment_score":0.15738548752334383},{"text":"Yep.","start":1180.48,"end":1180.8,"sentiment":"neutral","sentiment_score":0.2749421298503876},{"text":"Perfect.","start":1180.8,"end":1181.3,"sentiment":"positive","sentiment_score":0.4970768690109253},{"text":"So you can see, obviously, all your investments in the first column, the current weight, how that reflects in the balance, and then the buy and sell.","start":1181.68,"end":1190.9601,"sentiment":"neutral","sentiment_score":0.2783026220621886}],"sentiment":"neutral","sentiment_score":0.2304667230499418,"num_words":57,"start":1166.0651,"end":1190.9601},{"sentences":[{"text":"So whatever is in red is what we are selling.","start":1190.9601,"end":1193.78,"sentiment":"neutral","sentiment_score":0.14053257405757905},{"text":"Black is what we are buying, and then the target weight is the percentage we are aiming for and then how that correlates with the dollar value.","start":1194.4349,"end":1203.015,"sentiment":"neutral","sentiment_score":0.13068032016356787},{"text":"So, essentially, in term yes?","start":1203.5549,"end":1206.215,"sentiment":"neutral","sentiment_score":0.000440448266454041},{"text":"Yep.","start":1214.8,"end":1215.12,"sentiment":"neutral","sentiment_score":-0.020625337958335876},{"text":"Yep.","start":1215.12,"end":1215.62,"sentiment":"neutral","sentiment_score":-0.025141721591353416}],"sentiment":"neutral","sentiment_score":0.11113930833578872,"num_words":44,"start":1190.9601,"end":1215.62},{"sentences":[{"text":"The the the hybrid one, the BetterShares Australian Bank hybrid, it's not too bad, but it's being phased out.","start":1221.775,"end":1229.535,"sentiment":"neutral","sentiment_score":-0.1396337065257524},{"text":"So they're actually stopping stopping it.","start":1229.535,"end":1231.295,"sentiment":"neutral","sentiment_score":-0.13214343165357909},{"text":"So it's being completely phased out altogether.","start":1231.295,"end":1233.715,"sentiment":"neutral","sentiment_score":-0.1732487433723041},{"text":"So it will stop the investment soon.","start":1234.4501,"end":1236.55,"sentiment":"neutral","sentiment_score":-0.15809629751103266},{"text":"So we are changing that one.","start":1237.49,"end":1239.89,"sentiment":"neutral","sentiment_score":-0.05085245209435622}],"sentiment":"neutral","sentiment_score":-0.1348984669480059,"num_words":45,"start":1221.775,"end":1239.89},{"sentences":[{"text":"So kind of overall, we wanted to focus on keeping you in a growth portfolio, keeping you as diversified as we can while still making sure that we keep the growth up.","start":1239.89,"end":1252.6051,"sentiment":"neutral","sentiment_score":0.13777361228130758},{"text":"So, essentially, how the new portfolio has been structured, we are still very much aligning with the core satellite approach to investment.","start":1252.6051,"end":1259.9851,"sentiment":"neutral","sentiment_score":0.1488033743067221},{"text":"So still focusing on where you have the majority of the funds in what we call your core investment.","start":1260.66,"end":1266.4401,"sentiment":"neutral","sentiment_score":0.11074989445899662},{"text":"So these are kind of, you know, the backbones of the portfolio and are mainly those passive index funds.","start":1266.7401,"end":1271.8601,"sentiment":"neutral","sentiment_score":0.09944570809602737},{"text":"So these are your biggest shareholding.","start":1271.8601,"end":1273.4,"sentiment":"neutral","sentiment_score":0.09110911438862483}],"sentiment":"neutral","sentiment_score":0.12472245880231565,"num_words":98,"start":1239.89,"end":1273.4},{"sentences":[{"text":"So for example, you will see 30%, which you you kind of already had.","start":1274.1649,"end":1277.6849,"sentiment":"neutral","sentiment_score":0.06948419593806777},{"text":"You had 26.08 in the iShares S and P 500.","start":1277.6849,"end":1281.465,"sentiment":"neutral","sentiment_score":0.03642145954072475},{"text":"You've probably heard of this number four?","start":1282.565,"end":1284.745,"sentiment":"neutral","sentiment_score":0.018361268432012627},{"text":"Yeah.","start":1285.765,"end":1286.085,"sentiment":"neutral","sentiment_score":0.11257705092430116},{"text":"Yeah.","start":1286.085,"end":1286.325,"sentiment":"neutral","sentiment_score":0.24021828174591064}],"sentiment":"neutral","sentiment_score":0.05510053182528778,"num_words":33,"start":1274.1649,"end":1286.325},{"sentences":[{"text":"Perfect.","start":1286.325,"end":1286.825,"sentiment":"positive","sentiment_score":0.537480354309082},{"text":"Now you then have 20% in beta shares Australia 200.","start":1287.9801,"end":1292.0,"sentiment":"neutral","sentiment_score":0.256769585609436},{"text":"So this is the one as well where we kind of we wanted to make sure that if we obviously reduced the Benelong Australian equity, we still wanna make sure you have some exposure to the Australian market as well.","start":1292.2201,"end":1303.3049,"sentiment":"neutral","sentiment_score":0.15864608068950475},{"text":"So but this one here is more of that passive investment.","start":1304.085,"end":1307.285,"sentiment":"neutral","sentiment_score":0.09058188714764336},{"text":"So it does invest still in the 200 largest companies listed on the ASX.","start":1307.285,"end":1311.705,"sentiment":"neutral","sentiment_score":0.13274310369576728}],"sentiment":"neutral","sentiment_score":0.1619187322151112,"num_words":76,"start":1286.325,"end":1311.705},{"sentences":[{"text":"You still have all the big companies like Commonwealth and BHP and Woolworths.","start":1312.165,"end":1316.025,"sentiment":"neutral","sentiment_score":0.13100150227546692},{"text":"So that's why that one is 20%.","start":1317.04,"end":1319.54,"sentiment":"neutral","sentiment_score":0.1490497589111328},{"text":"You then have your your satellite investments.","start":1320.48,"end":1322.88,"sentiment":"neutral","sentiment_score":0.10008482847894941},{"text":"So these are the ones that's a little bit more specialized.","start":1322.88,"end":1325.14,"sentiment":"neutral","sentiment_score":0.06910831142555583},{"text":"They can be a little bit more volatile, and that's why they only represent a smaller portion of the portfolio.","start":1326.3201,"end":1331.825,"sentiment":"neutral","sentiment_score":0.038685253635048863}],"sentiment":"neutral","sentiment_score":0.08587686447747822,"num_words":58,"start":1312.165,"end":1331.825},{"sentences":[{"text":"But these are also the ones that we can see the biggest growth areas in.","start":1332.4451,"end":1336.125,"sentiment":"neutral","sentiment_score":0.17592702358961104},{"text":"So these can be a little bit more targeted to different sectors or regions or assets.","start":1336.125,"end":1342.385,"sentiment":"neutral","sentiment_score":0.1460579913109541},{"text":"So, for example, you have 8% invested in iShares Europe, 5% in Japan, and then you have 8% in Vanguard or Wells.","start":1342.98,"end":1353.22,"sentiment":"neutral","sentiment_score":0.07074710117145018},{"text":"But this one excludes The US because you already have exposure to The US in the ISHES S and P 500.","start":1353.22,"end":1359.945,"sentiment":"neutral","sentiment_score":-0.030952919185871168},{"text":"And we don't wanna have too much in one, you know, market as well.","start":1360.1649,"end":1363.625,"sentiment":"neutral","sentiment_score":-0.10630863798516137}],"sentiment":"neutral","sentiment_score":0.049931104612452065,"num_words":88,"start":1332.4451,"end":1363.625},{"sentences":[{"text":"Does that make sense?","start":1363.6849,"end":1364.745,"sentiment":"neutral","sentiment_score":0.004312465898692608},{"text":"Yeah.","start":1366.1649,"end":1366.485,"sentiment":"neutral","sentiment_score":0.1606491506099701},{"text":"Perfect.","start":1366.485,"end":1366.985,"sentiment":"positive","sentiment_score":0.3625238537788391},{"text":"Yes.","start":1373.46,"end":1373.7799,"sentiment":"neutral","sentiment_score":0.14660076797008514},{"text":"Because it was yes.","start":1373.7799,"end":1375.62,"sentiment":"neutral","sentiment_score":0.1524309404194355}],"sentiment":"neutral","sentiment_score":0.11788612705740062,"num_words":11,"start":1363.6849,"end":1375.62},{"sentences":[{"text":"Yes.","start":1375.62,"end":1375.94,"sentiment":"neutral","sentiment_score":0.19879035651683807},{"text":"So we we're doing a gold that has been doing really well, but we also don't want you to be too overweight in gold as well.","start":1375.94,"end":1381.965,"sentiment":"neutral","sentiment_score":0.15612693302906477},{"text":"So it does still wanna make sure that it aligns with your your risk profile.","start":1382.2849,"end":1386.0449,"sentiment":"neutral","sentiment_score":0.2715942601362864},{"text":"And because it has gone up quite a bit, which is good, obviously, the prices have have gone up, which which is good.","start":1386.0449,"end":1393.1649,"sentiment":"positive","sentiment_score":0.5089905148615008},{"text":"But, yeah, we don't wanna be too weighted in gold either because the it's more of that kind of can act as both a growth and a defensive.","start":1393.1649,"end":1400.96,"sentiment":"neutral","sentiment_score":0.06703186248029981}],"sentiment":"neutral","sentiment_score":0.23565245708150248,"num_words":93,"start":1375.62,"end":1400.96},{"sentences":[{"text":"But because we're still targeting and trying to grow your portfolio, we don't want too much allocated to this area as well.","start":1401.5,"end":1408.4,"sentiment":"neutral","sentiment_score":0.0674819029359655},{"text":"We still wanna have it as a foundation in your portfolio, so we still wanna have it about 10%.","start":1408.715,"end":1414.015,"sentiment":"neutral","sentiment_score":0.32963406176943527},{"text":"We're also keeping the beta shift cybersecurity.","start":1416.3151,"end":1418.735,"sentiment":"positive","sentiment_score":0.33360967891556875},{"text":"It is one of those kind of satellite investment I mentioned.","start":1419.275,"end":1422.655,"sentiment":"neutral","sentiment_score":0.3042519851164384},{"text":"Can see a bit of fluctuation with what's going on in the world, but there's a lot of opportunities in this space as well.","start":1423.01,"end":1429.5901,"sentiment":"positive","sentiment_score":0.3597468255708615}],"sentiment":"neutral","sentiment_score":0.2658266559108553,"num_words":83,"start":1401.5,"end":1429.5901},{"sentences":[{"text":"So having reducing that a little bit to to 5%.","start":1429.7301,"end":1432.9501,"sentiment":"neutral","sentiment_score":0.32452193796634676},{"text":"And then you'll have your defensive just like your fixed interest investment at about 14%, which is basically what we swapped the the bank hybrids for as well for you.","start":1434.2101,"end":1446.995,"sentiment":"neutral","sentiment_score":0.31334103693564735},{"text":"Now now with your investments as well sorry.","start":1449.4601,"end":1451.78,"sentiment":"neutral","sentiment_score":0.10474192630499601},{"text":"That's kind of what I mentioned.","start":1451.78,"end":1452.9,"sentiment":"neutral","sentiment_score":0.1250677133599917},{"text":"I have made so in the appendix, which was one of those attachments in the email as well, there is investment links.","start":1452.9,"end":1459.8601,"sentiment":"neutral","sentiment_score":0.16672864725643938}],"sentiment":"neutral","sentiment_score":0.2355502949733483,"num_words":76,"start":1429.7301,"end":1459.8601},{"sentences":[{"text":"So all of these investments I have recommended are there for you.","start":1459.8601,"end":1463.675,"sentiment":"positive","sentiment_score":0.39322010427713394},{"text":"So if you want to read up on them a little bit more, it's all in there for you as well.","start":1463.675,"end":1468.235,"sentiment":"neutral","sentiment_score":0.3147633827867962},{"text":"So all the research and everything is there for you.","start":1468.235,"end":1470.815,"sentiment":"positive","sentiment_score":0.3502266675233841},{"text":"Yep.","start":1471.915,"end":1472.415,"sentiment":"neutral","sentiment_score":0.1868897080421448},{"text":"Now, on the the page 16 or 17, you will also see just the cash component outline.","start":1473.195,"end":1479.5,"sentiment":"neutral","sentiment_score":0.12773436307907104}],"sentiment":"neutral","sentiment_score":0.2817920138601397,"num_words":61,"start":1459.8601,"end":1479.5},{"sentences":[{"text":"Hub twenty four, they do have a minimum of 1.25% that needs to be allocated for for cash, which is also good for, you know, if you have any fees and insurances and stuff like that coming out.","start":1479.9601,"end":1491.675,"sentiment":"neutral","sentiment_score":0.246372804437813},{"text":"It also helps stabilize a little bit, but that is the minimum.","start":1491.8151,"end":1494.295,"sentiment":"neutral","sentiment_score":0.21817530877888203},{"text":"We don't wanna have too much in it, obviously, because that won't grow as much.","start":1494.295,"end":1498.375,"sentiment":"neutral","sentiment_score":-0.11371478041013082},{"text":"So we just wanna have about the target of that minimum 1.25.","start":1498.375,"end":1502.155,"sentiment":"neutral","sentiment_score":0.180569381142656},{"text":"Yep.","start":1504.0801,"end":1504.5801,"sentiment":"neutral","sentiment_score":0.11313119530677795}],"sentiment":"neutral","sentiment_score":0.16095528636987394,"num_words":78,"start":1479.9601,"end":1504.5801},{"sentences":[{"text":"Now then the asset allocation table.","start":1505.52,"end":1508.3401,"sentiment":"neutral","sentiment_score":0.0970430498321851},{"text":"So can you see that okay?","start":1508.4,"end":1510.1,"sentiment":"neutral","sentiment_score":0.1138172596693039},{"text":"Yep.","start":1511.12,"end":1511.52,"sentiment":"neutral","sentiment_score":0.2358180731534958},{"text":"Perfect.","start":1511.52,"end":1512.02,"sentiment":"neutral","sentiment_score":0.057905226945877075},{"text":"So kind of like I said, we're not really making any changes to your risk profile keeping you within a growth one.","start":1512.16,"end":1518.02,"sentiment":"neutral","sentiment_score":-0.09491530196233229}],"sentiment":"neutral","sentiment_score":-0.014701430168416765,"num_words":36,"start":1505.52,"end":1518.02},{"sentences":[{"text":"Now you can see risk profile on the second column, and it just kind of outlines a typical risk profile in growth, your existing portfolio, and then the proposed.","start":1518.215,"end":1529.755,"sentiment":"neutral","sentiment_score":0.13671875796441374},{"text":"So you can see that both are pretty close, but the proposed is reducing a little bit in growth and a little bit more in defensive overall, but still very much kind of aligned in that 80 to 90 range and keeping it consistent there for you.","start":1530.215,"end":1546.815,"sentiment":"neutral","sentiment_score":0.3092853807388468},{"text":"Now if you then want to scroll down to page 20 for me.","start":1550.2549,"end":1555.875,"sentiment":"neutral","sentiment_score":0.03906158214578262},{"text":"Yes.","start":1558.095,"end":1558.595,"sentiment":"neutral","sentiment_score":0.041978850960731506},{"text":"20.","start":1559.455,"end":1559.955,"sentiment":"neutral","sentiment_score":0.027347562834620476}],"sentiment":"neutral","sentiment_score":0.2096525698613662,"num_words":91,"start":1518.215,"end":1559.955},{"sentences":[{"text":"Two zero, please.","start":1560.095,"end":1561.1549,"sentiment":"neutral","sentiment_score":0.05118647341926893},{"text":"On 21.","start":1561.59,"end":1562.65,"sentiment":"neutral","sentiment_score":0.057750336825847626},{"text":"Now before I do go into the insurance change, do you have any other questions on Max the Super and the investments otherwise at this point?","start":1563.03,"end":1571.21,"sentiment":"neutral","sentiment_score":0.042133867454070315},{"text":"No?","start":1575.045,"end":1575.545,"sentiment":"neutral","sentiment_score":-0.1600850224494934},{"text":"Yes.","start":1579.925,"end":1580.425,"sentiment":"neutral","sentiment_score":0.2019719630479813}],"sentiment":"neutral","sentiment_score":0.04261901782769145,"num_words":33,"start":1560.095,"end":1580.425},{"sentences":[{"text":"Yes.","start":1580.8049,"end":1581.3049,"sentiment":"neutral","sentiment_score":0.19013670086860657},{"text":"Yes.","start":1581.605,"end":1582.105,"sentiment":"neutral","sentiment_score":0.14077261090278623},{"text":"Now with your insurances, so, obviously, you mentioned that you wanted to have enough cover to cover the mortgage and then also kind of gross up the tax.","start":1583.365,"end":1592.01,"sentiment":"neutral","sentiment_score":0.021538979107780114},{"text":"So the tax of up to 22% that comes out.","start":1592.01,"end":1594.97,"sentiment":"neutral","sentiment_score":0.005655215680599212},{"text":"So if something were to happen, that will be clear.","start":1594.97,"end":1597.15,"sentiment":"neutral","sentiment_score":-0.022025449201464653}],"sentiment":"neutral","sentiment_score":0.015405967831611633,"num_words":50,"start":1580.8049,"end":1597.15},{"sentences":[{"text":"So this shows you the difference.","start":1597.4501,"end":1599.77,"sentiment":"neutral","sentiment_score":0.08948708077271779},{"text":"So you can see here life, no changes.","start":1599.77,"end":1602.27,"sentiment":"neutral","sentiment_score":0.11961556132882833},{"text":"Income protection, no changes.","start":1602.875,"end":1604.9751,"sentiment":"neutral","sentiment_score":0.06480470113456249},{"text":"The only change is PPD.","start":1605.515,"end":1607.295,"sentiment":"neutral","sentiment_score":0.05630532279610634},{"text":"So when we add the 22% tax through the six fifty, it's about 833,333 for you.","start":1607.8351,"end":1616.13,"sentiment":"neutral","sentiment_score":0.16508503444492817}],"sentiment":"neutral","sentiment_score":0.11989622935652733,"num_words":39,"start":1597.4501,"end":1616.13},{"sentences":[{"text":"Reducing it a little bit, and you can also see the price difference at the bottom.","start":1617.09,"end":1620.95,"sentiment":"neutral","sentiment_score":0.20264258328825235},{"text":"So after the tax, it's then reduced to 3,024 and 26 percent.","start":1621.89,"end":1628.145,"sentiment":"neutral","sentiment_score":0.14779055739442507},{"text":"Mhmm.","start":1636.225,"end":1636.725,"sentiment":"neutral","sentiment_score":0.12677553296089172},{"text":"No.","start":1655.8551,"end":1656.3551,"sentiment":"neutral","sentiment_score":-0.11930297315120696},{"text":"No.","start":1656.895,"end":1657.395,"sentiment":"neutral","sentiment_score":-0.1585613638162613}],"sentiment":"neutral","sentiment_score":0.15692513604317943,"num_words":31,"start":1617.09,"end":1657.395},{"sentences":[{"text":"Not changing any structure types or anything like that.","start":1657.935,"end":1661.875,"sentiment":"neutral","sentiment_score":-0.18349744213951957},{"text":"Literally just how much you will get.","start":1662.3351,"end":1664.5951,"sentiment":"neutral","sentiment_score":-0.015743156096764972},{"text":"With this hair, because you now have TPD lower than life and because they cancel each other out if you claim on TPD, it will mean that you have a little bit of extra life if you were to claim on TPD first.","start":1665.7101,"end":1682.405,"sentiment":"neutral","sentiment_score":0.1616467736488165},{"text":"So you will have about 360,179 left of life if you were to claim on TPD first.","start":1683.665,"end":1692.27,"sentiment":"positive","sentiment_score":0.33874880128047047},{"text":"Yep.","start":1693.9501,"end":1694.35,"sentiment":"neutral","sentiment_score":0.20859697461128235}],"sentiment":"neutral","sentiment_score":0.14488907521227737,"num_words":77,"start":1657.935,"end":1694.35},{"sentences":[{"text":"Does that make sense?","start":1694.35,"end":1695.41,"sentiment":"neutral","sentiment_score":0.23159397765994072},{"text":"Yep.","start":1697.31,"end":1697.81,"sentiment":"neutral","sentiment_score":0.33137449622154236},{"text":"Perfect.","start":1697.9501,"end":1698.4501,"sentiment":"positive","sentiment_score":0.5438609719276428},{"text":"Correct.","start":1707.485,"end":1707.985,"sentiment":"neutral","sentiment_score":0.0668182224035263},{"text":"Sorry.","start":1708.125,"end":1708.625,"sentiment":"neutral","sentiment_score":0.04903183877468109}],"sentiment":"neutral","sentiment_score":0.23968267999589443,"num_words":8,"start":1694.35,"end":1708.625},{"sentences":[{"text":"Correct.","start":1708.925,"end":1709.3251,"sentiment":"neutral","sentiment_score":0.07888725399971008},{"text":"So after the tax, it will come down to about that 650 for the mortgage.","start":1709.3251,"end":1717.185,"sentiment":"neutral","sentiment_score":0.09283510496219},{"text":"But it also depends on the age of when you need to claim on it.","start":1717.71,"end":1723.65,"sentiment":"neutral","sentiment_score":0.06589854235450426},{"text":"So if you need to claim on it, if you're over 60, you don't have to pay the tax.","start":1724.11,"end":1728.51,"sentiment":"neutral","sentiment_score":0.09122822061181068},{"text":"But if it's under 60, you have to pay.","start":1728.51,"end":1730.775,"sentiment":"neutral","sentiment_score":0.021918317923943203}],"sentiment":"neutral","sentiment_score":0.07441513587610196,"num_words":59,"start":1708.925,"end":1730.775},{"sentences":[{"text":"Yeah.","start":1732.6951,"end":1733.1951,"sentiment":"neutral","sentiment_score":0.11447036266326904},{"text":"And now we can obviously keep adjusting these because they do increase with inflation for you, and they do get more expensive with age.","start":1734.055,"end":1742.135,"sentiment":"neutral","sentiment_score":-0.007494146004319191},{"text":"So we can always reassess it each year at annual review time as well if you feel like and, also, your mortgage might decrease each year as well.","start":1742.135,"end":1750.11,"sentiment":"neutral","sentiment_score":0.009175944640966398},{"text":"So we can always keep decreasing it if you feel like that's what you want because it's really easy to decrease it.","start":1750.11,"end":1756.2101,"sentiment":"neutral","sentiment_score":0.06987661512737925},{"text":"Yep.","start":1757.87,"end":1758.255,"sentiment":"neutral","sentiment_score":0.01570300944149494}],"sentiment":"neutral","sentiment_score":0.022954287509875076,"num_words":76,"start":1732.6951,"end":1758.255},{"sentences":[{"text":"Correct.","start":1760.015,"end":1760.515,"sentiment":"neutral","sentiment_score":0.04273059219121933},{"text":"Yes.","start":1760.735,"end":1761.235,"sentiment":"neutral","sentiment_score":0.04342249780893326},{"text":"So just be mindful of that, obviously, that if we decrease it and then you call me in a month and say, do you know what?","start":1761.295,"end":1766.415,"sentiment":"neutral","sentiment_score":-0.0338578512175725},{"text":"I wanna change it up to one one.","start":1766.415,"end":1768.195,"sentiment":"neutral","sentiment_score":-0.013358772732317448},{"text":"That can be difficult depending on, you know, health and stuff like that.","start":1768.255,"end":1772.3099,"sentiment":"neutral","sentiment_score":-0.11863905993791726}],"sentiment":"neutral","sentiment_score":-0.049863857198126464,"num_words":49,"start":1760.015,"end":1772.3099},{"sentences":[{"text":"And you have to go through the whole underwriting process again, and they can rewrite the whole policy.","start":1772.3099,"end":1777.13,"sentiment":"neutral","sentiment_score":-0.06782128827439414},{"text":"So just be a little bit mindful of quite hard sometimes to increase it, easy to decrease.","start":1777.19,"end":1782.73,"sentiment":"neutral","sentiment_score":-0.10765743080307455},{"text":"Yep.","start":1785.285,"end":1785.785,"sentiment":"neutral","sentiment_score":0.0380496010184288},{"text":"Now on the the second page here, it will then show you the outside linked policy.","start":1786.565,"end":1791.845,"sentiment":"neutral","sentiment_score":0.025697975768707693},{"text":"And, again, there is a typo on the definition.","start":1791.845,"end":1794.425,"sentiment":"neutral","sentiment_score":-0.07998209239708053}],"sentiment":"neutral","sentiment_score":-0.05445214968602188,"num_words":61,"start":1772.3099,"end":1794.425},{"sentences":[{"text":"It's definitely an own occupation, so that is correct.","start":1795.285,"end":1798.425,"sentiment":"positive","sentiment_score":0.3951685031255086},{"text":"Again, not changing anything through the income protection that stays exactly the same, and the only change is PPD.","start":1800.53,"end":1809.11,"sentiment":"neutral","sentiment_score":0.024417067301998798},{"text":"So this is the out of pocket expense for the one that you pay for yourself.","start":1809.17,"end":1814.015,"sentiment":"neutral","sentiment_score":0.12987018190324306},{"text":"Again, just changing through TPD to match exactly the same as the one inside, but making it a little bit cheaper for you.","start":1815.115,"end":1822.655,"sentiment":"neutral","sentiment_score":0.27010249897189764},{"text":"Yep.","start":1823.61,"end":1823.85,"sentiment":"positive","sentiment_score":0.4132757186889648}],"sentiment":"neutral","sentiment_score":0.18711760165238314,"num_words":68,"start":1795.285,"end":1823.85},{"sentences":[{"text":"Perfect.","start":1823.85,"end":1824.35,"sentiment":"positive","sentiment_score":0.7051706910133362},{"text":"So on the next couple of pages, it basically just outlines the recommendation again, what your goals were in regards to it, also some advantages, disadvantages, and risks, again, to be mindful of, as well as, you know, alternatives considered.","start":1825.21,"end":1841.795,"sentiment":"neutral","sentiment_score":0.2326940879225731},{"text":"Kind of at the end there for you, Jayesh, which is just outline the ongoing services, also some important information as well as then the last bit, which is the remuneration.","start":1844.255,"end":1856.6,"sentiment":"neutral","sentiment_score":0.1911974195991793},{"text":"So that is page 26 or 25 where it says remuneration.","start":1858.34,"end":1863.96,"sentiment":"neutral","sentiment_score":0.06531395593827422},{"text":"Can you see that?","start":1864.8999,"end":1865.955,"sentiment":"neutral","sentiment_score":0.03534422954544425}],"sentiment":"neutral","sentiment_score":0.1931021224022254,"num_words":87,"start":1823.85,"end":1865.955},{"sentences":[{"text":"Yep.","start":1867.715,"end":1867.955,"sentiment":"neutral","sentiment_score":0.1619419902563095},{"text":"Yep.","start":1867.955,"end":1868.455,"sentiment":"neutral","sentiment_score":0.22500042617321017},{"text":"So there's no changes or increases or anything like that through the advice fees.","start":1868.835,"end":1873.7949,"sentiment":"neutral","sentiment_score":0.18099488530840194},{"text":"It stays exactly the same.","start":1873.7949,"end":1875.6549,"sentiment":"positive","sentiment_score":0.38172082901000975},{"text":"But if you are happy and you would like to go ahead with the change of investment and reducing those that TPD for you.","start":1875.7949,"end":1883.0,"sentiment":"positive","sentiment_score":0.5338957247634729}],"sentiment":"positive","sentiment_score":0.392066052224901,"num_words":45,"start":1867.715,"end":1883.0},{"sentences":[{"text":"There is no additional fees or charges.","start":1883.3,"end":1885.4,"sentiment":"neutral","sentiment_score":0.23866039088794164},{"text":"It stays exactly the same at 1.65 from superannuation there for you.","start":1885.78,"end":1891.78,"sentiment":"positive","sentiment_score":0.4621443450450897},{"text":"And underneath that, it would just be outlined the the Tel commission.","start":1891.78,"end":1897.0801,"sentiment":"neutral","sentiment_score":0.21181309968233109},{"text":"So with the tile insurances, we do get commissions for the policy, but that is tile paying us.","start":1897.595,"end":1904.475,"sentiment":"neutral","sentiment_score":0.15346595976087782},{"text":"It is not you paying us.","start":1904.475,"end":1905.995,"sentiment":"neutral","sentiment_score":0.05972452647984028}],"sentiment":"neutral","sentiment_score":0.23416084559126335,"num_words":55,"start":1883.3,"end":1905.995},{"sentences":[{"text":"Before compliances, we have to disclose any commission we receive so that you are fully aware.","start":1905.995,"end":1911.4099,"sentiment":"neutral","sentiment_score":0.09066240931861103},{"text":"But, again, that is TAIL paying us, not you paying us.","start":1911.47,"end":1914.5299,"sentiment":"neutral","sentiment_score":0.060495930977843025},{"text":"And it's the same for every single insurance provider out there.","start":1914.59,"end":1918.21,"sentiment":"neutral","sentiment_score":0.11308251998641274},{"text":"Yes.","start":1919.71,"end":1920.21,"sentiment":"neutral","sentiment_score":0.04745657742023468},{"text":"Yes.","start":1924.445,"end":1924.945,"sentiment":"neutral","sentiment_score":0.04745810851454735}],"sentiment":"neutral","sentiment_score":0.0863719048909843,"num_words":40,"start":1905.995,"end":1924.945},{"sentences":[{"text":"That is an annual premium.","start":1925.1649,"end":1926.705,"sentiment":"neutral","sentiment_score":0.05283509269356727},{"text":"Yes.","start":1927.565,"end":1928.065,"sentiment":"neutral","sentiment_score":0.05933809652924538},{"text":"Yes.","start":1928.125,"end":1928.625,"sentiment":"neutral","sentiment_score":0.05352126806974411},{"text":"Any questions in regards to that?","start":1930.125,"end":1931.985,"sentiment":"neutral","sentiment_score":0.020526976324617863},{"text":"No.","start":1933.725,"end":1934.225,"sentiment":"neutral","sentiment_score":-0.09394342452287674}],"sentiment":"neutral","sentiment_score":0.02901809010654688,"num_words":14,"start":1925.1649,"end":1934.225},{"sentences":[{"text":"Correct.","start":1938.68,"end":1939.16,"sentiment":"neutral","sentiment_score":0.1055385172367096},{"text":"The only thing is the premium for Tal is less because it's calculated on a percentage of the premium.","start":1939.16,"end":1945.74,"sentiment":"neutral","sentiment_score":0.02743297011444443},{"text":"And because we are reducing the premium, it's less.","start":1946.12,"end":1948.845,"sentiment":"neutral","sentiment_score":0.06228838757508331},{"text":"But there's no increases in the advisory or anything like that.","start":1948.845,"end":1951.485,"sentiment":"neutral","sentiment_score":0.07771068371155045},{"text":"It's exactly the same.","start":1951.485,"end":1952.7849,"sentiment":"neutral","sentiment_score":0.26857952028512955}],"sentiment":"neutral","sentiment_score":0.07082945544441993,"num_words":44,"start":1938.68,"end":1952.7849},{"sentences":[{"text":"Yep.","start":1955.1649,"end":1955.645,"sentiment":"positive","sentiment_score":0.4548884332180023},{"text":"Perfect.","start":1955.645,"end":1956.145,"sentiment":"positive","sentiment_score":0.6990871429443359},{"text":"And then on the the last couple of pages, it just basically outlines the authority to proceed and then how to implement the advice.","start":1956.845,"end":1964.79,"sentiment":"neutral","sentiment_score":0.29420293557147187},{"text":"So, basically, from here, the step will be obviously, take your time.","start":1964.79,"end":1968.47,"sentiment":"neutral","sentiment_score":0.2514379508793354},{"text":"Have a read through everything.","start":1968.47,"end":1969.77,"sentiment":"neutral","sentiment_score":0.20669692158699035}],"sentiment":"neutral","sentiment_score":0.2852461871712707,"num_words":43,"start":1955.1649,"end":1969.77},{"sentences":[{"text":"If you have any questions, let me know.","start":1970.63,"end":1973.05,"sentiment":"neutral","sentiment_score":0.15992994979023933},{"text":"If you are happy to go ahead with the recommendation, I'll just need you to to sign this SOA.","start":1973.11,"end":1980.135,"sentiment":"positive","sentiment_score":0.3998988098219821},{"text":"I'll get notified, and then I will let the team know to go ahead and make the investment change as well as process that reduction for you.","start":1980.595,"end":1990.7899,"sentiment":"neutral","sentiment_score":0.31815195911460453},{"text":"Now I have also included so if you go to sign, there is a little box where it says if you want to make any changes.","start":1991.1699,"end":1998.07,"sentiment":"neutral","sentiment_score":0.13292241841554642},{"text":"So if, for example, you decide that you only want to go ahead with insurance the super recommendation, but you don't wanna go ahead with insurance, you can actually free type that in the box if you do change your mind or if there's no changes, you can just put NA or a full stop.","start":1998.69,"end":2014.005,"sentiment":"neutral","sentiment_score":0.13350179588252847}],"sentiment":"neutral","sentiment_score":0.20937927061760866,"num_words":135,"start":1970.63,"end":2014.005},{"sentences":[{"text":"Whatever is easy for you.","start":2014.785,"end":2016.45,"sentiment":"neutral","sentiment_score":0.26267158091068266},{"text":"Yep.","start":2017.97,"end":2018.47,"sentiment":"neutral","sentiment_score":0.19514840841293335},{"text":"Perfect.","start":2018.61,"end":2019.11,"sentiment":"positive","sentiment_score":0.3577950596809387},{"text":"Do you have any other questions before I let you go otherwise, Tejas?","start":2019.25,"end":2022.71,"sentiment":"neutral","sentiment_score":0.09379190722337136},{"text":"No?","start":2027.09,"end":2027.59,"sentiment":"neutral","sentiment_score":-0.10561859607696532}],"sentiment":"neutral","sentiment_score":0.14190369383210227,"num_words":21,"start":2014.785,"end":2027.59},{"sentences":[{"text":"Yep.","start":2035.825,"end":2035.985,"sentiment":"neutral","sentiment_score":0.07427628338336945},{"text":"Yep.","start":2035.985,"end":2036.485,"sentiment":"neutral","sentiment_score":0.07253873348236084},{"text":"So pretty pretty Yep.","start":2036.705,"end":2043.14,"sentiment":"neutral","sentiment_score":0.09340419620275497},{"text":"Yeah.","start":2044.32,"end":2044.82,"sentiment":"neutral","sentiment_score":0.2019101083278656},{"text":"And it saves you a bit of money.","start":2045.04,"end":2046.58,"sentiment":"neutral","sentiment_score":0.13420923985540867}],"sentiment":"neutral","sentiment_score":0.119734388589859,"num_words":15,"start":2035.825,"end":2046.58},{"sentences":[{"text":"Yes.","start":2049.3599,"end":2049.8599,"sentiment":"neutral","sentiment_score":0.21204158663749695},{"text":"Yes.","start":2050.32,"end":2050.82,"sentiment":"neutral","sentiment_score":0.20978841185569763},{"text":"Yep.","start":2051.04,"end":2051.52,"sentiment":"neutral","sentiment_score":0.3200779855251312},{"text":"Perfect.","start":2051.52,"end":2052.02,"sentiment":"positive","sentiment_score":0.7324994802474976},{"text":"Well, I will let you go.","start":2052.4,"end":2054.02,"sentiment":"positive","sentiment_score":0.6818921267986298}],"sentiment":"positive","sentiment_score":0.5565760225057602,"num_words":10,"start":2049.3599,"end":2054.02},{"sentences":[{"text":"Enjoy the rest of your day.","start":2054.56,"end":2055.7449,"sentiment":"positive","sentiment_score":0.7834302882353464},{"text":"Obviously, have a read through it.","start":2055.7449,"end":2056.785,"sentiment":"neutral","sentiment_score":0.31689660002787906},{"text":"Like I said, any questions, let me know.","start":2056.785,"end":2059.045,"sentiment":"neutral","sentiment_score":0.19220571219921112},{"text":"If not, if you're happy to proceed, just sign the documents, and the team will get notified.","start":2059.505,"end":2064.085,"sentiment":"neutral","sentiment_score":0.2026233859360218},{"text":"If there's anything else that you do need, though, at any point in time, you know, don't hesitate to give me a call or call the office, and we can always book you in for a bit of a catch 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again.","start":2078.03,"end":2080.05,"sentiment":"positive","sentiment_score":0.7812283502684699},{"text":"Thanks.","start":2081.1501,"end":2081.6301,"sentiment":"positive","sentiment_score":0.6334108114242554}],"sentiment":"positive","sentiment_score":0.6801044372841716,"num_words":16,"start":2075.31,"end":2081.6301},{"sentences":[{"text":"Bye.","start":2081.6301,"end":2082.1301,"sentiment":"neutral","sentiment_score":-0.11106494814157486}],"sentiment":"neutral","sentiment_score":-0.11106494814157486,"num_words":1,"start":2081.6301,"end":2082.1301}]}}]},{"alternatives":[{"transcript":"Hello? Hi. Yes, Trisha. I'm good, Veron. How are you? Yes. Yes. Yeah. That's perfectly fine. My full name is Jayesh Agarwal. Date of birth twenty first September nineteen eighty, and address is 20 Elcon Bay, Point Cook, Victoria 3030. Yes. I do. Just give me a sec. Yep. You just send me an email? Yep. Okay. Yes. Yeah. Student advice. Yeah. That's the first one. Mhmm. Yes. Yes. Sure. Yep. Mhmm. Yep. Yep. Yeah. Yep. Mhmm. Global and learns. Mhmm. Yes. Mhmm. Yep. Yeah. That's fine. That's my property. Yep. No. That sounds okay. Yeah. That's fine. Current situation. Yeah. That's okay. Yeah. Yep. Yep. Yep. Mhmm. Yep. Yeah. Yeah. And then TPD, when I claim on TPD, it would reduce that amount from life insurance. It would not automatically cancel that. Right? It will reduce it. Yeah. Yeah. Yeah. No. That's page number 10. Right? Yeah. Yeah. Okay. I think the definition of DPD in that is own occupation, not any. Yeah. Yeah. Yep. Yeah. Yeah. Mhmm. Yes. No. That's alright. Yep. Mhmm. Right. Right. Yeah. Correct. The BlackRock one. Yeah. Mhmm. Right. Okay. Okay. Yes. So how is the fee lower investment fees if I stick with the current portfolio? Yeah. Mhmm. Yes, sir. Yeah. Proposed asset allocation? No. Next page. Yeah. Okay. The fees comparison. Fees comparison. Yeah. Okay. Mhmm. Is it because primarily because you're switching out the managed funds from within the portfolio to move to a more maybe mid year or something? Yeah. Okay. Yep. But that wouldn't necessarily so you're also saying that growth is also increasing to 12.97% for a five year rolling. Okay. So we're not compromising on growth. Okay. Yeah. Sorry. Which page are you referring to? Yeah. Yeah. Yeah. Sorry. Could you explain the difference again, the balance difference? What is the 1,373? Right. Right. Right. Okay. So we are just switching part of the investment within the super. Right? Not not everything, I believe. Yeah? Okay. Yep. Okay. Okay. Yeah. I might have. I'm not sure. I don't remember. Yeah. Might have. Right. Yeah. No. I I I think I remember now. I did I did address that recently through super. Yeah. Yeah. Okay. Investments. Yep. Right. Right. So no. I'm just going through that. So Ben and Ron, we are reducing 100 infrastructure income, beta shares as well. So like in beta shares are not doing well, are they? Right. Right. Right. Right. Yeah. Yeah. Bye. Yes. Yeah. No. Absolutely. So you're also reducing a lot on gold as well from 17% almost to 10%. Yeah. Right. Yep. Okay. Sure. Yep. Yep. Yep. 20 or 24? Yep. No. Not really. I'm assuming you have thought through the portfolio distribution and all that. So yeah. That's that's okay. Yeah. Right. So so TBT is going from almost 12 1.2 to $8.30 3. So that's about $3.53 60 k or less. Life remains income protection remains. And it it won't impact any any sort of definitions or any anything of that sort on TPD. Right? Yeah. Yeah. Yep. Right. Yeah. Yeah. It makes sense. And so you said that $8.33 in case 833 so it it it this will be taxable. Right? The TV. Okay. System. Yep. Right. Yep. Yeah. Easy to decrease, but difficult to increase. Yeah. Yeah. Yep. Okay. Yep. Yep. Yep. Renovation. Yeah. 26. Yeah. Right. So this this one, the line item on tell, is this an annual premium or one soft? Annual. Yeah. Okay. No. I think so you're saying it's it's it's exactly the same as what I'm doing currently, so there's no change in it. Yeah. Yep. Yes. Okay. Yep. Yep. Yep. Okay. No. I think that's yeah. No. I think we are not changing the investment. We're keeping with HOP 24, so that's fine. And we're just changing the portfolio makeup. So yeah. That's okay. And then yeah. TPD, I think it makes sense to me to reduce the TPD. I've been just thinking about it as well. And, obviously, it reduces the yeah. It reduces the premium as well, annual premium. So makes sense. Sure. Sure. Yeah. No. That's fine. Thank you so much. Yep. Cheers. Sure. Thank you. 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Hi. Yes, Trisha. I'm good, Veron. How are you?\n\nYes. Yes. Yeah. That's perfectly fine. My full name is Jayesh Agarwal.\n\nDate of birth twenty first September nineteen eighty, and address is 20 Elcon Bay, Point Cook, Victoria 3030. Yes. I do. Just give me a sec. Yep.\n\nYou just send me an email? Yep. Okay. Yes. Yeah.\n\nStudent advice. Yeah. That's the first one. Mhmm. Yes.\n\nYes. Sure. Yep. Mhmm. Yep.\n\nYep. Yeah. Yep. Mhmm. Global and learns.\n\nMhmm. Yes. Mhmm. Yep. Yeah.\n\nThat's fine. That's my property. Yep. No. That sounds okay.\n\nYeah. That's fine. Current situation. Yeah. That's okay.\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nYep. Yeah. Yeah. And then TPD, when I claim on TPD, it would reduce that amount from life insurance. It would not automatically cancel that.\n\nRight? It will reduce it. Yeah. Yeah. Yeah.\n\nNo. That's page number 10. Right? Yeah. Yeah.\n\nOkay. I think the definition of DPD in that is own occupation, not any. Yeah. Yeah. Yep.\n\nYeah. Yeah. Mhmm. Yes. No.\n\nThat's alright. Yep. Mhmm. Right. Right.\n\nYeah. Correct. The BlackRock one. Yeah. Mhmm.\n\nRight. Okay. Okay. Yes. So how is the fee lower investment fees if I stick with the current portfolio?\n\nYeah. Mhmm. Yes, sir. Yeah. Proposed asset allocation?\n\nNo. Next page. Yeah. Okay. The fees comparison.\n\nFees comparison. Yeah. Okay. Mhmm. Is it because primarily because you're switching out the managed funds from within the portfolio to move to a more maybe mid year or something?\n\nYeah. Okay. Yep. But that wouldn't necessarily so you're also saying that growth is also increasing to 12.97% for a five year rolling. Okay.\n\nSo we're not compromising on growth. Okay. Yeah. Sorry. Which page are you referring to?\n\nYeah. Yeah. Yeah. Sorry. Could you explain the difference again, the balance difference?\n\nWhat is the 1,373? Right. Right. Right. Okay.\n\nSo we are just switching part of the investment within the super. Right? Not not everything, I believe. Yeah? Okay.\n\nYep. Okay. Okay. Yeah. I might have.\n\nI'm not sure. I don't remember. Yeah. Might have. Right.\n\nYeah. No. I I I think I remember now. I did I did address that recently through super. Yeah.\n\nYeah. Okay. Investments. Yep. Right.\n\nRight. So no. I'm just going through that. So Ben and Ron, we are reducing 100 infrastructure income, beta shares as well. So like in beta shares are not doing well, are they?\n\nRight. Right. Right. Right. Yeah.\n\nYeah. Bye. Yes. Yeah. No.\n\nAbsolutely. So you're also reducing a lot on gold as well from 17% almost to 10%. Yeah. Right. Yep.\n\nOkay. Sure. Yep. Yep. Yep.\n\n20 or 24? Yep. No. Not really. I'm assuming you have thought through the portfolio distribution and all that.\n\nSo yeah. That's that's okay. Yeah. Right. So so TBT is going from almost 12 1.2 to $8.30 3.\n\nSo that's about $3.53 60 k or less. Life remains income protection remains. And it it won't impact any any sort of definitions or any anything of that sort on TPD. Right? Yeah.\n\nYeah. Yep. Right. Yeah. Yeah.\n\nIt makes sense. And so you said that $8.33 in case 833 so it it it this will be taxable. Right? The TV. Okay.\n\nSystem. Yep. Right. Yep. Yeah.\n\nEasy to decrease, but difficult to increase. Yeah. Yeah. Yep. Okay.\n\nYep. Yep. Yep. Renovation. Yeah.\n\n26. Yeah. Right. So this this one, the line item on tell, is this an annual premium or one soft? Annual.\n\nYeah. Okay. No. I think so you're saying it's it's it's exactly the same as what I'm doing currently, so there's no change in it. Yeah.\n\nYep. Yes. Okay. Yep. Yep.\n\nYep. Okay. No. I think that's yeah. No.\n\nI think we are not changing the investment. We're keeping with HOP 24, so that's fine. And we're just changing the portfolio makeup. So yeah. That's okay.\n\nAnd then yeah. TPD, I think it makes sense to me to reduce the TPD. I've been just thinking about it as well. And, obviously, it reduces the yeah. It reduces the premium as well, annual premium.\n\nSo makes sense. Sure. Sure. Yeah. No.\n\nThat's fine. Thank you so much. Yep. Cheers. Sure.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03606459125876427},{"text":"Hi.","start":4.24,"end":4.74,"sentiment":"neutral","sentiment_score":0.1001306176185608},{"text":"Yes, Trisha.","start":5.04,"end":6.02,"sentiment":"neutral","sentiment_score":0.16572251170873642},{"text":"I'm good, Veron.","start":9.2,"end":10.0,"sentiment":"positive","sentiment_score":0.5056000351905823},{"text":"How are 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super.","start":1139.1799,"end":1143.565,"sentiment":"neutral","sentiment_score":0.04031215546031793},{"text":"Yeah.","start":1143.705,"end":1144.025,"sentiment":"neutral","sentiment_score":0.2789869010448456}],"sentiment":"neutral","sentiment_score":-0.018866983977587598,"num_words":19,"start":1136.3,"end":1144.025},{"sentences":[{"text":"Yeah.","start":1144.025,"end":1144.525,"sentiment":"positive","sentiment_score":0.41243425011634827},{"text":"Okay.","start":1144.825,"end":1145.325,"sentiment":"positive","sentiment_score":0.4326186776161194},{"text":"Investments.","start":1178.615,"end":1179.115,"sentiment":"neutral","sentiment_score":0.06870797276496887},{"text":"Yep.","start":1193.69,"end":1194.19,"sentiment":"neutral","sentiment_score":0.11645255982875824},{"text":"Right.","start":1194.8899,"end":1195.3899,"sentiment":"neutral","sentiment_score":0.11560428142547607}],"sentiment":"neutral","sentiment_score":0.22916354835033417,"num_words":5,"start":1144.025,"end":1195.3899},{"sentences":[{"text":"Right.","start":1204.035,"end":1204.535,"sentiment":"neutral","sentiment_score":0.022167809307575222},{"text":"So no.","start":1205.155,"end":1206.675,"sentiment":"neutral","sentiment_score":-0.07200627494603395},{"text":"I'm just going through that.","start":1206.675,"end":1207.795,"sentiment":"neutral","sentiment_score":-0.14118943512439727},{"text":"So Ben and Ron, we are reducing 100 infrastructure income, beta shares as well.","start":1207.795,"end":1214.7001,"sentiment":"neutral","sentiment_score":-0.09930405233587537},{"text":"So like in beta shares are not doing well, are they?","start":1218.12,"end":1220.62,"sentiment":"neutral","sentiment_score":-0.18505394729700955}],"sentiment":"neutral","sentiment_score":-0.12889824452048,"num_words":33,"start":1204.035,"end":1220.62},{"sentences":[{"text":"Right.","start":1234.3151,"end":1234.8151,"sentiment":"neutral","sentiment_score":-0.060153208673000336},{"text":"Right.","start":1237.275,"end":1237.74,"sentiment":"neutral","sentiment_score":-0.06267507374286652},{"text":"Right.","start":1248.14,"end":1248.64,"sentiment":"neutral","sentiment_score":0.08685901761054993},{"text":"Right.","start":1274.38,"end":1274.88,"sentiment":"neutral","sentiment_score":-0.008901107124984264},{"text":"Yeah.","start":1284.9551,"end":1285.1951,"sentiment":"neutral","sentiment_score":0.061093032360076904}],"sentiment":"neutral","sentiment_score":0.003244532085955143,"num_words":5,"start":1234.3151,"end":1285.1951},{"sentences":[{"text":"Yeah.","start":1285.1951,"end":1285.6951,"sentiment":"neutral","sentiment_score":0.07934746146202087},{"text":"Bye.","start":1321.16,"end":1321.66,"sentiment":"neutral","sentiment_score":0.08361943811178207},{"text":"Yes.","start":1360.5449,"end":1360.89,"sentiment":"neutral","sentiment_score":-0.07213479280471802},{"text":"Yeah.","start":1365.21,"end":1365.4501,"sentiment":"neutral","sentiment_score":-0.013802506029605864},{"text":"No.","start":1365.4501,"end":1365.61,"sentiment":"neutral","sentiment_score":-0.05128611996769905}],"sentiment":"neutral","sentiment_score":0.005148696154356003,"num_words":5,"start":1285.1951,"end":1365.61},{"sentences":[{"text":"Absolutely.","start":1365.61,"end":1366.11,"sentiment":"neutral","sentiment_score":0.06588825583457947},{"text":"So you're also reducing a lot on gold as well from 17% almost to 10%.","start":1366.89,"end":1372.75,"sentiment":"neutral","sentiment_score":0.16083284815152485},{"text":"Yeah.","start":1381.9451,"end":1382.345,"sentiment":"neutral","sentiment_score":0.18919110298156736},{"text":"Right.","start":1382.345,"end":1382.845,"sentiment":"neutral","sentiment_score":0.273261696100235},{"text":"Yep.","start":1414.905,"end":1415.25,"sentiment":"neutral","sentiment_score":0.2481403946876526}],"sentiment":"neutral","sentiment_score":0.16784074588825829,"num_words":19,"start":1365.61,"end":1415.25},{"sentences":[{"text":"Okay.","start":1449.03,"end":1449.53,"sentiment":"neutral","sentiment_score":0.1900806427001953},{"text":"Sure.","start":1471.21,"end":1471.53,"sentiment":"neutral","sentiment_score":0.2781093716621399},{"text":"Yep.","start":1471.53,"end":1472.03,"sentiment":"neutral","sentiment_score":0.214705154299736},{"text":"Yep.","start":1510.13,"end":1510.45,"sentiment":"neutral","sentiment_score":0.0864117294549942},{"text":"Yep.","start":1510.45,"end":1510.785,"sentiment":"neutral","sentiment_score":0.11506296694278716}],"sentiment":"neutral","sentiment_score":0.17687397301197053,"num_words":5,"start":1449.03,"end":1510.785},{"sentences":[{"text":"20 or 24?","start":1556.98,"end":1558.52,"sentiment":"neutral","sentiment_score":0.01562869145224492},{"text":"Yep.","start":1561.14,"end":1561.64,"sentiment":"neutral","sentiment_score":0.12487916648387908},{"text":"No.","start":1573.635,"end":1573.875,"sentiment":"neutral","sentiment_score":-0.20683518052101135},{"text":"Not really.","start":1573.875,"end":1574.615,"sentiment":"neutral","sentiment_score":-0.17824745923280716},{"text":"I'm assuming you have thought through the portfolio distribution and all that.","start":1575.5549,"end":1579.24,"sentiment":"neutral","sentiment_score":-0.1369367235650619}],"sentiment":"neutral","sentiment_score":-0.10709502846982918,"num_words":19,"start":1556.98,"end":1579.24},{"sentences":[{"text":"So yeah.","start":1579.24,"end":1579.64,"sentiment":"neutral","sentiment_score":0.05836766958236694},{"text":"That's that's okay.","start":1579.64,"end":1581.0,"sentiment":"neutral","sentiment_score":0.20125282804171243},{"text":"Yeah.","start":1581.0,"end":1581.5,"sentiment":"neutral","sentiment_score":0.17707277834415436},{"text":"Right.","start":1630.2749,"end":1630.755,"sentiment":"neutral","sentiment_score":0.14383824169635773},{"text":"So so TBT is going from almost 12 1.2 to $8.30 3.","start":1630.755,"end":1637.59,"sentiment":"neutral","sentiment_score":0.17424284666776657}],"sentiment":"neutral","sentiment_score":0.1648588949128201,"num_words":19,"start":1579.24,"end":1637.59},{"sentences":[{"text":"So that's about $3.53 60 k or less.","start":1637.59,"end":1641.85,"sentiment":"neutral","sentiment_score":0.14741946011781693},{"text":"Life remains income protection remains.","start":1643.99,"end":1646.73,"sentiment":"neutral","sentiment_score":0.20872586071491242},{"text":"And it it won't impact any any sort of definitions or any anything of that sort on TPD.","start":1650.215,"end":1656.855,"sentiment":"neutral","sentiment_score":0.02814205777313974},{"text":"Right?","start":1656.855,"end":1657.095,"sentiment":"neutral","sentiment_score":-0.07243750244379044},{"text":"Yeah.","start":1657.095,"end":1657.595,"sentiment":"neutral","sentiment_score":-0.08450676500797272}],"sentiment":"neutral","sentiment_score":0.07795750778732878,"num_words":33,"start":1637.59,"end":1657.595},{"sentences":[{"text":"Yeah.","start":1665.335,"end":1665.835,"sentiment":"neutral","sentiment_score":-0.02210455760359764},{"text":"Yep.","start":1682.8049,"end":1683.3049,"sentiment":"neutral","sentiment_score":0.3187636733055115},{"text":"Right.","start":1692.885,"end":1693.385,"sentiment":"neutral","sentiment_score":0.18534499406814575},{"text":"Yeah.","start":1693.74,"end":1694.24,"sentiment":"neutral","sentiment_score":0.19629640877246857},{"text":"Yeah.","start":1696.14,"end":1696.54,"sentiment":"neutral","sentiment_score":0.29557257890701294}],"sentiment":"neutral","sentiment_score":0.1947746194899082,"num_words":5,"start":1665.335,"end":1696.54},{"sentences":[{"text":"It makes sense.","start":1696.54,"end":1697.36,"sentiment":"neutral","sentiment_score":0.3168268104394277},{"text":"And so you said that $8.33 in case 833 so it it it this will be taxable.","start":1698.86,"end":1706.08,"sentiment":"neutral","sentiment_score":0.15448375265387929},{"text":"Right?","start":1706.46,"end":1706.955,"sentiment":"neutral","sentiment_score":0.07390955835580826},{"text":"The TV.","start":1706.955,"end":1708.4149,"sentiment":"neutral","sentiment_score":0.04704572819173336},{"text":"Okay.","start":1709.115,"end":1709.615,"sentiment":"neutral","sentiment_score":0.06316722929477692}],"sentiment":"neutral","sentiment_score":0.15866135293617845,"num_words":24,"start":1696.54,"end":1709.615},{"sentences":[{"text":"System.","start":1715.515,"end":1716.015,"sentiment":"neutral","sentiment_score":0.047378771007061005},{"text":"Yep.","start":1716.235,"end":1716.735,"sentiment":"neutral","sentiment_score":0.12051548808813096},{"text":"Right.","start":1731.7699,"end":1732.1699,"sentiment":"neutral","sentiment_score":0.08638390153646469},{"text":"Yep.","start":1732.1699,"end":1732.515,"sentiment":"neutral","sentiment_score":0.10862059891223907},{"text":"Yeah.","start":1756.53,"end":1757.03,"sentiment":"neutral","sentiment_score":0.06387342512607574}],"sentiment":"neutral","sentiment_score":0.08535443693399429,"num_words":5,"start":1715.515,"end":1757.03},{"sentences":[{"text":"Easy to decrease, but difficult to increase.","start":1757.49,"end":1759.575,"sentiment":"neutral","sentiment_score":-0.026663467021925107},{"text":"Yeah.","start":1759.735,"end":1760.235,"sentiment":"neutral","sentiment_score":0.014246616512537004},{"text":"Yeah.","start":1761.4149,"end":1761.9149,"sentiment":"neutral","sentiment_score":0.03402024134993553},{"text":"Yep.","start":1784.3201,"end":1784.8201,"sentiment":"neutral","sentiment_score":0.016644928604364395},{"text":"Okay.","start":1785.04,"end":1785.54,"sentiment":"neutral","sentiment_score":0.035146310925483704}],"sentiment":"neutral","sentiment_score":-0.007871470160105011,"num_words":11,"start":1757.49,"end":1785.54},{"sentences":[{"text":"Yep.","start":1799.095,"end":1799.595,"sentiment":"neutral","sentiment_score":0.25815486907958984},{"text":"Yep.","start":1820.745,"end":1821.245,"sentiment":"positive","sentiment_score":0.3717622458934784},{"text":"Yep.","start":1822.825,"end":1823.325,"sentiment":"neutral","sentiment_score":0.24184784293174744},{"text":"Renovation.","start":1865.12,"end":1865.62,"sentiment":"neutral","sentiment_score":0.051048144698143005},{"text":"Yeah.","start":1866.48,"end":1866.72,"sentiment":"neutral","sentiment_score":0.054086461663246155}],"sentiment":"neutral","sentiment_score":0.19537991285324097,"num_words":5,"start":1799.095,"end":1866.72},{"sentences":[{"text":"26.","start":1866.72,"end":1867.6799,"sentiment":"neutral","sentiment_score":0.04018198698759079},{"text":"Yeah.","start":1867.6799,"end":1868.1799,"sentiment":"neutral","sentiment_score":0.09843558073043825},{"text":"Right.","start":1918.7301,"end":1919.2301,"sentiment":"neutral","sentiment_score":0.05391178280115128},{"text":"So this this one, the line item on tell, is this an annual premium or one soft?","start":1919.29,"end":1924.125,"sentiment":"neutral","sentiment_score":0.03246971329345422},{"text":"Annual.","start":1926.605,"end":1927.105,"sentiment":"neutral","sentiment_score":0.05392679572105408}],"sentiment":"neutral","sentiment_score":0.038021012963283626,"num_words":21,"start":1866.72,"end":1927.105},{"sentences":[{"text":"Yeah.","start":1927.325,"end":1927.825,"sentiment":"neutral","sentiment_score":0.05472744256258011},{"text":"Okay.","start":1927.965,"end":1928.465,"sentiment":"neutral","sentiment_score":0.04924879223108291},{"text":"No.","start":1932.525,"end":1932.765,"sentiment":"neutral","sentiment_score":-0.21450437605381012},{"text":"I think so you're saying it's it's it's exactly the same as what I'm doing currently, so there's no change in it.","start":1932.765,"end":1945.18,"sentiment":"neutral","sentiment_score":0.08481482534923336},{"text":"Yeah.","start":1947.32,"end":1947.57,"sentiment":"neutral","sentiment_score":0.1128913015127182}],"sentiment":"neutral","sentiment_score":0.07185728145906559,"num_words":26,"start":1927.325,"end":1947.57},{"sentences":[{"text":"Yep.","start":1947.57,"end":1948.07,"sentiment":"neutral","sentiment_score":0.1552753895521164},{"text":"Yes.","start":1954.405,"end":1954.645,"sentiment":"neutral","sentiment_score":0.18696869909763336},{"text":"Okay.","start":1954.645,"end":1955.145,"sentiment":"neutral","sentiment_score":0.30112698674201965},{"text":"Yep.","start":1991.725,"end":1992.0,"sentiment":"neutral","sentiment_score":0.1473413109779358},{"text":"Yep.","start":2005.375,"end":2005.875,"sentiment":"neutral","sentiment_score":0.08302923291921616}],"sentiment":"neutral","sentiment_score":0.17474832385778427,"num_words":5,"start":1947.57,"end":2005.875},{"sentences":[{"text":"Yep.","start":2017.215,"end":2017.715,"sentiment":"neutral","sentiment_score":0.10853338241577148},{"text":"Okay.","start":2017.855,"end":2018.355,"sentiment":"neutral","sentiment_score":0.14428988099098206},{"text":"No.","start":2025.9701,"end":2026.13,"sentiment":"neutral","sentiment_score":-0.053986914455890656},{"text":"I think that's yeah.","start":2026.13,"end":2028.77,"sentiment":"neutral","sentiment_score":-0.05316308978945017},{"text":"No.","start":2028.77,"end":2029.01,"sentiment":"neutral","sentiment_score":-0.1362697333097458}],"sentiment":"neutral","sentiment_score":-0.018760717939585447,"num_words":8,"start":2017.215,"end":2029.01},{"sentences":[{"text":"I think we are not changing the investment.","start":2029.01,"end":2030.6101,"sentiment":"neutral","sentiment_score":-0.17243981920182705},{"text":"We're keeping with HOP 24, so that's fine.","start":2030.6101,"end":2033.3301,"sentiment":"neutral","sentiment_score":0.011608065105974674},{"text":"And we're just changing the portfolio makeup.","start":2033.3301,"end":2035.5701,"sentiment":"neutral","sentiment_score":0.016761979620371546},{"text":"So yeah.","start":2035.5701,"end":2037.385,"sentiment":"neutral","sentiment_score":0.0725025087594986},{"text":"That's okay.","start":2037.385,"end":2037.9451,"sentiment":"neutral","sentiment_score":0.18289072066545486}],"sentiment":"neutral","sentiment_score":-0.024390137650900416,"num_words":27,"start":2029.01,"end":2037.9451},{"sentences":[{"text":"And then yeah.","start":2037.9451,"end":2038.985,"sentiment":"neutral","sentiment_score":0.07324315855900447},{"text":"TPD, I think it makes sense to me to reduce the TPD.","start":2038.985,"end":2042.045,"sentiment":"neutral","sentiment_score":0.11624979910751183},{"text":"I've been just thinking about it as well.","start":2042.265,"end":2044.285,"sentiment":"neutral","sentiment_score":0.16841324418783188},{"text":"And, obviously, it reduces the yeah.","start":2045.305,"end":2047.145,"sentiment":"neutral","sentiment_score":0.08669122432669003},{"text":"It reduces the premium as well, annual 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fine.","start":2074.915,"end":2076.035,"sentiment":"neutral","sentiment_score":0.23072201013565063},{"text":"Thank you so much.","start":2076.035,"end":2077.015,"sentiment":"positive","sentiment_score":0.8032252937555313},{"text":"Yep.","start":2077.2349,"end":2077.7349,"sentiment":"positive","sentiment_score":0.4745292365550995},{"text":"Cheers.","start":2077.875,"end":2078.375,"sentiment":"positive","sentiment_score":0.5917414426803589},{"text":"Sure.","start":2079.795,"end":2080.195,"sentiment":"positive","sentiment_score":0.5155392289161682}],"sentiment":"positive","sentiment_score":0.584017233716117,"num_words":9,"start":2074.915,"end":2080.195},{"sentences":[{"text":"Thank you.","start":2080.195,"end":2080.755,"sentiment":"positive","sentiment_score":0.7057439684867859},{"text":"Bye.","start":2080.755,"end":2081.255,"sentiment":"positive","sentiment_score":0.4161463379859924}],"sentiment":"positive","sentiment_score":0.6092114249865214,"num_words":3,"start":2080.195,"end":2081.255}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Jayesh?\n\nChannel 1: Hi. Yes,\n\nChannel 0: This is\n\nChannel 1: Trisha.\n\nChannel 0: Veronica from Equity Financial. How are you?\n\nChannel 1: I'm good, Veron. How are you?\n\nChannel 0: I'm good. Thank you. I had you booked in this morning just to go over your strategy recommendation. Is now still a good time for you?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Perfect. Now just 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: Yeah. That's perfectly fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: My full name is Jayesh Agarwal. Date of birth twenty first September nineteen eighty, and address is 20 Elcon Bay, Point Cook, Victoria 3030.\n\nChannel 0: Perfect. That's exactly what I have here. And thank you so much for confirming everything with your employer as well. That was great. Now I have to send you an email.\n\nDo you have access to your emails at the moment?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yep.\n\nChannel 1: Just give me a\n\nChannel 0: Perfect.\n\nChannel 1: sec. Yep. You just\n\nChannel 0: Yep.\n\nChannel 1: send me an email?\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: I did. Yeah. It\n\nChannel 1: Okay.\n\nChannel 0: might show from my colleague, Morgan, because he just issued it for me.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now if you can click in to the email there for me, you should then see a cover page where it says OQ financial statement of advice.\n\nChannel 1: Yeah. Student advice. Yeah. That's the first\n\nChannel 0: Yep.\n\nChannel 1: one.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. So just so you know as well, so before you click on on the link, if you wanna go back later, you will have a couple of attachments included. That is just for for research. So, like, your appendix or the links to the investments and stuff like that, it's all there for you if you do wanna have a read over that in your own time as well. Yep.\n\nPerfect. Now I've done some research, obviously, from our last conversation in regards to your super and specifically your investments to see if there was anything we can do to kind of change things a little bit for you and improve kind of the returns moving forward. And then also getting those quotes to reduce your total permanent disability insurance. You remember that conversation and everything?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Great. Perfect. So today is just kind of putting that that recommendation in here for you. Every time we do make a recommendation, we have to put everything in a statement of advice so that you are completely across everything and you fully understand it.\n\nSo a lot of it is just the compliance. So I'll tryna go through this as quickly as I can for you and just kind of cover the main point. But if at any point in time we go through things and you're not sure, just interrupt me and let me know.\n\nChannel 1: Sure. Yep.\n\nChannel 0: Perfect. Now you will see on the cover page here, you will see my details as well. So I am authorized under OPU Financial. You will also have my authorized representative number listed there and, obviously, all our contact details and everything like that on the cover page. Now on the second page there for me, you will see the best interest duty are duty outlined again.\n\nCan you see that?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Perfect. So, basically, this just means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, I can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me.\n\nChannel 1: Yeah.\n\nChannel 0: So there's obviously a lot in place to protect you, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now if\n\nChannel 1: Mhmm.\n\nChannel 0: you can scroll for me through page three, you should see scope of advice.\n\nChannel 1: Global and learns.\n\nChannel 0: Yep. Perfect. So, basically, this just kind of outlines the areas we are looking to say. Like I said, pretty straightforward and mainly reviewing your superannuation and your insurances. Now on the next page, you will then see some other goals that you mentioned that we're not making a recommendation on today.\n\nSo that's,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, property, potentially looking at investment property down the track and, obviously, some some family holidays. So if it's ever a situation where you do need advice on, you know, cash flow and budgeting to save for anything and stuff like that, just let me know, and we can always book you in for a bit of a catch up. But, otherwise, pretty straightforward today, just basically those super and insurances.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So if you can kind of scroll through for me, you will see a section just talking about limited advice that basically just refers back through the areas we are scoping in and scoping out. But I also have to let you know that I'm not a legal practitioner, so I can't give you any legal advice. Can definitely refer you on to someone if you do need it.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Perfect. Otherwise, if you scroll through, you will see a page where it says about you and then also your lifestyle assets and liabilities. If you can have a quick read over that for me, just to make sure that's up to date or if I need to make any changes in the back end for you.\n\nChannel 1: Yeah. That's fine. That's my property.\n\nChannel 0: And, obviously, it could have changed a little bit since when we did the fax line, so the rough it is\n\nChannel 1: Yep.\n\nChannel 0: it's good. Yeah.\n\nChannel 1: No. That sounds okay. Yeah.\n\nChannel 0: That\n\nChannel 1: That's\n\nChannel 0: looks\n\nChannel 1: fine.\n\nChannel 0: good.\n\nChannel 1: Current\n\nChannel 0: Yep.\n\nChannel 1: situation. Yeah. That's okay. Yeah.\n\nChannel 0: Yep. Great. Now if you can then scroll to page eight for me, it should say your current superannuation and insurances. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So this just outlines your current situation. So it shows here you have 24 account and also your policy. So this shows you what you currently have in place.\n\nSo you at the moment have life and PPD. So that's about $1,193,512. And then you also have your income protection. So the income protection will pay you a monthly amount of $4,172. You have a four week waiting period and a benefit period through age of 65.\n\nNow because this is paid from within superannuation, you do get a a tax rebate of 15%, but the total premium at the moment is 3,551.\n\nChannel 1: Yep.\n\nChannel 0: Now I did do some research on your policy as well after the last conversation just to check as well how everything was linked for you. And your the way that your policy is currently set up is that your life and the TPD are linked together. So what that means is if you were to claim on TPD, it cancels your life policy.\n\nChannel 1: Yep.\n\nChannel 0: Yep. I could still change the TPD amount for you to be a little bit less as per kind of your goals, so that was fine. They just said I couldn't have TPD more than life, which is fine because\n\nChannel 1: Mhmm.\n\nChannel 0: in\n\nChannel 1: Yep.\n\nChannel 0: this instance, we're\n\nChannel 1: Yeah.\n\nChannel 0: looking at doing the opposite for you.\n\nChannel 1: Yeah. And then\n\nChannel 0: Yeah.\n\nChannel 1: TPD, when I claim on TPD, it would reduce that amount from life insurance. It would not automatically cancel that. Right? It will reduce\n\nChannel 0: Correct.\n\nChannel 1: it.\n\nChannel 0: At\n\nChannel 1: Yeah.\n\nChannel 0: the if we if we don't go ahead with the reduction, it will cancel because it's the same amount. But when it's reduced, it will be whatever's left over. But\n\nChannel 1: Yeah.\n\nChannel 0: let's say right now, if you don't do a change and you claim, obviously, that 1,000,193, it will because it's the same amount at the moment as your life, it will cancel life.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: No.\n\nChannel 0: Now the next page, it just shows you the outside super policy. You have a split to get some additional benefits, which is great. It's the same policy. It's just kind of held inside and outside for for those additional benefits for you. And total premium for the outside portion is a 1,153 on an annual\n\nChannel 1: That's page number 10.\n\nChannel 0: basis.\n\nChannel 1: Right? Yeah. Yeah.\n\nChannel 0: Yes. Yes. Correct. Yes.\n\nChannel 1: Okay. I\n\nChannel 0: Yep.\n\nChannel 1: think the definition of DPD in that is own occupation, not any.\n\nChannel 0: Correct. That is correct. That is a a a typo in the document.\n\nChannel 1: Yeah.\n\nChannel 0: That is correct. It is that's what gives you that special definition, which is the the own occupation.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yes. Now on the next page, you will see your risk profile. Can you see that kind of outlined for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. So we're not making any changes to your risk profile. We kind of discussed that last time.\n\nChannel 1: Mhmm.\n\nChannel 0: You came out as a growth investor. It's very suitable for for where you are in terms of your tolerance, but also time frame. You do have plenty of time of your retirement. So it's definitely a good risk allocation for you. So we're not making any changes to your risk profile, but I have made some recommendations on changing some of your investments, which I will go through in detail with you.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Any questions so far? Oh, that's pretty straightforward.\n\nChannel 1: No. That's alright. Yep.\n\nChannel 0: Yep. Great. Perfect. Now on the next page, which is page 12, you will see\n\nChannel 1: Mhmm.\n\nChannel 0: a heading where it outlines the recommendation. So I have recommended that you retain hub twenty four and change your underlying investment. Now what I will show you first is just a table that have all the numbers because it's sometimes easier to see it that way. But,\n\nChannel 1: Right.\n\nChannel 0: basically, on the next couple of pages, again, I'll let you have a read over this, but this just outlines more in black and white the recommendation and why I have made the recommendation that I have made. So it outlines the best interest duty, which talks about, you know, kind of making sure that we put you in the best position. So I did consider a lot of different options for you. But after I kind of considered all of them, Hub twenty four was the most competitive in terms of fees, investment choices. So I have recommended that you stay in in Hub twenty four, but also from a capital gains point of view as well.\n\nSo when we are selling and buying selling the investments in super, there are capital gains tax on the earnings. So I also wanna make sure we minimize that as much as possible. Now I\n\nChannel 1: Right.\n\nChannel 0: also considered, the SMA for you. Do you remember kind of talking about\n\nChannel 1: Yeah.\n\nChannel 0: that briefly? Yeah.\n\nChannel 1: Correct. The BlackRock one.\n\nChannel 0: Correct. So I did a lot of research on on that for you. And at the moment, I have not\n\nChannel 1: Yeah.\n\nChannel 0: recommended the SMA. The reason I haven't is because when I did the comparison, it was a little bit more expensive than what I have recommended. But\n\nChannel 1: Mhmm.\n\nChannel 0: also looking at historical returns, it wasn't doing as well. So, you know, having slightly higher fees, slightly less return, but then also the capital gains because there was more changes in the investment was a lot higher.\n\nChannel 1: Right.\n\nChannel 0: So I just couldn't justify that recommendation right now. That's not to say that if things change, we could look at it, but I haven't I haven't made the recommendation through the SMA at this\n\nChannel 1: Okay.\n\nChannel 0: point anyway for you.\n\nChannel 1: Okay.\n\nChannel 0: Now you will also see on page 13 some advantages and disadvantages and risks with the with the recommendation. So every time we do make a recommendation, there's obviously advantages with it, also some disadvantages to be mindful of, and then the risks are outlined. So you can kind of see here which which kind of summarize everything in the table when you have a look at it. But one of the advantage is that it is a lot lower investment fee, so you are saving cost. It continues to be in line with your risk profile.\n\nA disadvantage is the capital gains tax, which, again, I will outline for you. And some risk is that there's always a level of risk associated with any investment option to be mindful of.\n\nChannel 1: Yes. So\n\nChannel 0: Yep.\n\nChannel 1: how is the fee lower investment fees if I stick\n\nChannel 0: Yes.\n\nChannel 1: with the current portfolio?\n\nChannel 0: Exactly. Sorry. What I'll do, actually, I'll scroll down because it makes it easier if, like, you can see the table. But first, if you go to page 14,\n\nChannel 1: Yeah.\n\nChannel 0: you will see that I did consider another option, which was my north, which is very competitive to hub twenty four. But to do a full sell down through to to swap you to any other super fund because your super has grown since you came on board, which is great. The full capital gains tax by doing that would be 4,671. So it was it was quite high. So, obviously, trying to minimize that.\n\nSo from a numbers point, if you can scroll down first through page 18,\n\nChannel 1: Mhmm.\n\nChannel 0: it then kind\n\nChannel 1: Yes,\n\nChannel 0: of shows\n\nChannel 1: sir.\n\nChannel 0: you like an updated projection. Can you see that okay?\n\nChannel 1: Yeah. Proposed asset allocation? No.\n\nChannel 0: Next page. Sorry. It sometimes\n\nChannel 1: Next\n\nChannel 0: factors\n\nChannel 1: page.\n\nChannel 0: in the the cover page. So at\n\nChannel 1: Yeah.\n\nChannel 0: the bottom\n\nChannel 1: Okay.\n\nChannel 0: of\n\nChannel 1: The\n\nChannel 0: the page.\n\nChannel 1: fees comparison. Fees comparison.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yes. So you can see here the second column, your current situation. Obviously, you have 24, current balance, current fees as well. So you can see your total cost at the moment for everything there is 6,012 in hub twenty four. Now you also have your growth portfolio.\n\nUnderneath it, you have your five year rolling outwards. So in the last five years, on a yearly basis, averaging it out, your portfolio has done 11.77%.\n\nChannel 1: Mhmm.\n\nChannel 0: Now on the recommended side, you will then see the change. So you can see here that when looking at investment fees, for example, you can see that the recommended investments are quite a bit cheaper than what you're currently invested in. It's about $675 per year cheaper in investment fees a lot, which does make a pretty big difference.\n\nChannel 1: Is it because primarily because you're switching out the managed funds\n\nChannel 0: Correct.\n\nChannel 1: from\n\nChannel 0: Yes.\n\nChannel 1: within the portfolio to move to a more maybe mid\n\nChannel 0: More\n\nChannel 1: year or\n\nChannel 0: passive.\n\nChannel 1: something?\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. That\n\nChannel 1: Okay.\n\nChannel 0: definitely plays plays a role in it. That is a bit more expensive, and especially if they if they haven't recently outperformed, then, you know, there's no need paying additional fees if they're not then outperforming it in terms of return.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: But that wouldn't necessarily so you're also saying that growth is also increasing to 12.97% for\n\nChannel 0: Correct.\n\nChannel 1: a five year rolling. Okay. So we're\n\nChannel 0: Correct.\n\nChannel 1: not compromising on growth.\n\nChannel 0: Correct. Exactly.\n\nChannel 1: Okay.\n\nChannel 0: Yes. No. I didn't want to do that.\n\nChannel 1: Yeah.\n\nChannel 0: So focusing on fees, so reducing the fees where we can, but exactly like you said, do not wanna compromise on the returns on the investments either. So when you add everything up, obviously, the the slightly less fees as well as physical growth, it does make quite a bit of a difference. Now on the top there, before I show you the next page where you see the balance and it says minus 1,373, that is the capital gains tax.\n\nChannel 1: Sorry. Which page are you referring to?\n\nChannel 0: So still on the same page,\n\nChannel 1: Yeah.\n\nChannel 0: but at the top of that, where it says balance on the\n\nChannel 1: Yeah.\n\nChannel 0: first row yep.\n\nChannel 1: Yeah.\n\nChannel 0: So the only reason it's a difference, it is just because of the tax. So that does fluctuate, obviously, and it's an an estimate when we did it. So it will be around 1,373, but that is obviously a lot less than the full sell down of 4,671. So try to minimize that as much as possible while still making sure we can achieve the other area. Does that make sense?\n\nChannel 1: Sorry. Could you explain the difference again, the balance difference? What\n\nChannel 0: Yes.\n\nChannel 1: is the 1,373?\n\nChannel 0: That's the tax that will come out of your superannuation, the capital gains tax on selling some of your investments.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: Right.\n\nChannel 0: you don't have to pay for it personally. It will be from your superannuation, but that is the the tax on the earnings of your investment in your superannuation.\n\nChannel 1: Right.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Any questions?\n\nChannel 1: So we are just switching part of the investment within the super. Right? Not not everything,\n\nChannel 0: Correct.\n\nChannel 1: I believe. Yeah?\n\nChannel 0: Correct.\n\nChannel 1: Okay.\n\nChannel 0: Which is why it's a lot lower. So for for for reference further up when you have a look at it as well, when I looked at, you know, the my north and other super funds, that would mean we would sell everything. And if we were to sell everything, the tax would be about 4,671, so a lot more. So we obviously kinda minimize swapping as long as they're doing good for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Now on the the next page, you will then see kind of projected outcome for five and ten years. So it then shows you, you know, the difference. So reducing a little bit in fees as well as the improvement in the returns, and that is also factoring in that the tax comes out, it still makes a pretty big difference when we are looking at that five and ten year time frame for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Now underneath that, there is a little disclaimer there for you, and that is just talking about division two nine three. You probably would have got a letter in the past in regards to that from the ATO and stuff, But it's just a bit of a disclaimer because, obviously, you are on a pretty high income, which is great. But on the downside, it means that you have to pay additional taxes. Sorry. Because you are a high income earner.\n\nDid you receive that letter last year as well?\n\nChannel 1: I might have.\n\nChannel 0: Not sure. Yeah.\n\nChannel 1: I'm\n\nChannel 0: No.\n\nChannel 1: not sure. I don't remember. Yeah.\n\nChannel 0: No. That's\n\nChannel 1: Might\n\nChannel 0: okay.\n\nChannel 1: have.\n\nChannel 0: So it's it's just there for your information. Because I haven't, in the calculation, taken out the additional 15% tax,\n\nChannel 1: Right.\n\nChannel 0: and that is just because you can elect to have it paid personally or from superannuation. And so but it's just a there as a disclaimer for you, and that's what\n\nChannel 1: Yeah.\n\nChannel 0: that is because you you are\n\nChannel 1: No. I\n\nChannel 0: high.\n\nChannel 1: I I think I remember now. I did I did address that\n\nChannel 0: Yes.\n\nChannel 1: recently\n\nChannel 0: Great.\n\nChannel 1: through super.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Okay.\n\nChannel 0: Now underneath that as well, you will also have a bit more outline on the return. So you'll have a twelve month, a three year, and a five year to give you a little bit more, and it still shows you that across all all three time frames, the recommended portfolio has still outperformed your current one in all time frame. Perfect. Now if you then wanna scroll up for me, actually, and I'll show you the investments, which is page 15 or 16, it should have investment table.\n\nChannel 1: Investments.\n\nChannel 0: Yep. Perfect. So you can see, obviously, all your investments in the first column, the current weight, how that reflects in the balance, and then the buy and sell. So whatever is in red is what we are selling.\n\nChannel 1: Yep.\n\nChannel 0: Black\n\nChannel 1: Right.\n\nChannel 0: is what we are buying, and then the target weight is the percentage we are aiming for and then how that correlates with the dollar value. So,\n\nChannel 1: Right.\n\nChannel 0: essentially, in\n\nChannel 1: So\n\nChannel 0: term yes?\n\nChannel 1: no. I'm just going through that. So Ben and Ron, we are reducing 100 infrastructure income, beta shares as well.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So like in beta shares are not doing well, are they?\n\nChannel 0: The the the hybrid one, the BetterShares Australian Bank hybrid, it's not too bad, but it's being phased out. So they're actually stopping stopping it. So it's being completely phased out altogether.\n\nChannel 1: Right.\n\nChannel 0: So it will stop the investment soon.\n\nChannel 1: Right.\n\nChannel 0: So we are changing that one. So kind of overall, we wanted to focus on keeping you in a growth portfolio, keeping you as diversified as we can\n\nChannel 1: Right.\n\nChannel 0: while still making sure that we keep the growth up. So, essentially, how the new portfolio has been structured, we are still very much aligning with the core satellite approach to investment. So still focusing on where you have the majority of the funds in what we call your core investment. So these are kind of, you know, the backbones of the portfolio and are mainly those passive index funds. So these are your biggest shareholding.\n\nSo\n\nChannel 1: Right.\n\nChannel 0: for example, you will see 30%, which you you kind of already had. You had 26.08 in the iShares S and P 500. You've probably heard of this number four?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Yeah. Perfect. Now you then have 20% in beta shares Australia 200. So this is the one as well where we kind of we wanted to make sure that if we obviously reduced the Benelong Australian equity, we still wanna make sure you have some exposure to the Australian market as well.\n\nSo but this one here is more of that passive investment. So it does invest still in the 200 largest companies listed on the ASX. You still have all the big companies like Commonwealth and BHP and Woolworths. So that's why that one is 20%. You then have your\n\nChannel 1: Bye.\n\nChannel 0: your satellite investments. So these are the ones that's a little bit more specialized. They can be a little bit more volatile, and that's why they only represent a smaller portion of the portfolio. But these are also the ones that we can see the biggest growth areas in. So these can be a little bit more targeted to different sectors or regions or assets.\n\nSo, for example, you have 8% invested in iShares Europe, 5% in Japan, and then you have 8% in Vanguard or Wells. But this one excludes The US because you already have exposure to The US in the ISHES S and P 500. And we don't\n\nChannel 1: Yes.\n\nChannel 0: wanna have too much in one, you know, market as well. Does that make sense?\n\nChannel 1: Yeah. No. Absolutely.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: So you're also reducing a lot on gold as well from 17% almost to 10%.\n\nChannel 0: Yes. Because it was yes. Yes. So we we're doing a gold that has been doing really well, but we also don't want you to be too overweight in gold as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Right.\n\nChannel 0: it does still wanna make sure that it aligns with your your risk profile. And because it has gone up quite a bit, which is good, obviously, the prices have have gone up, which which is good. But, yeah, we don't wanna be too weighted in gold either because the it's more of that kind of can act as both a growth and a defensive. But because we're still targeting and trying to grow your portfolio, we don't want too much allocated to this area as well. We still wanna have it as a foundation in your portfolio, so we still wanna have it about 10%.\n\nChannel 1: Yep.\n\nChannel 0: We're also keeping the beta shift cybersecurity. It is one of those kind of satellite investment I mentioned. Can see a bit of fluctuation with what's going on in the world, but there's a lot of opportunities in this space as well. So having reducing that a little bit to to 5%. And then you'll have your defensive just like your fixed interest investment at about 14%, which is basically what we swapped the the bank hybrids for as well for you.\n\nChannel 1: Okay.\n\nChannel 0: Now now with your investments as well sorry. That's kind of what I mentioned. I have made so in the appendix, which was one of those attachments in the email as well, there is investment links. So all of these investments I have recommended are there for you. So if you want to read up on them a little bit more, it's all in there for you as well.\n\nSo all the research and everything is there for you.\n\nChannel 1: Sure. Yep.\n\nChannel 0: Yep. Now, on the the page 16 or 17, you will also see just the cash component outline. Hub twenty four, they do have a minimum of 1.25% that needs to be allocated for for cash, which is also good for, you know, if you have any fees and insurances and stuff like that coming out. It also helps stabilize a little bit, but that is the minimum. We don't wanna have too much in it, obviously, because that won't grow as much.\n\nSo we just wanna have about the target of that minimum 1.25. Yep. Now then the asset allocation table. So can you see that okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. So kind of like I said, we're not really making any changes to your risk profile keeping you within a growth one. Now you can see risk profile on the second column, and it just kind of outlines a typical risk profile in growth, your existing portfolio, and then the proposed. So you can see that both are pretty close, but the proposed is reducing a little bit in growth and a little bit more in defensive overall, but still very much kind of aligned in that 80 to 90 range and keeping it consistent there for you.\n\nNow if you then want to scroll down to page 20 for me.\n\nChannel 1: 20 or 24?\n\nChannel 0: Yes. 20. Two zero, please.\n\nChannel 1: Yep.\n\nChannel 0: On 21. Now before I do go into the insurance change, do you have any other questions on Max the Super and the investments otherwise at this point?\n\nChannel 1: No. Not really.\n\nChannel 0: No?\n\nChannel 1: I'm assuming you have thought through the portfolio distribution and all that. So yeah. That's\n\nChannel 0: Yes.\n\nChannel 1: that's okay.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Now with your insurances, so, obviously, you mentioned that you wanted to have enough cover to cover the mortgage and then also kind of gross up the tax. So the tax of up to 22% that comes out. So if something were to happen, that will be clear. So this shows you the difference.\n\nSo you can see here life, no changes. Income protection, no changes. The only change is PPD. So when we add the 22% tax through the six fifty, it's about 833,333 for you. Reducing it a little bit, and you can also see the price difference at the bottom.\n\nSo after the tax, it's then reduced to 3,024 and 26 percent.\n\nChannel 1: Right. So so TBT is going from almost 12 1.2 to $8.30\n\nChannel 0: Mhmm.\n\nChannel 1: 3. So that's about $3.53 60 k or less. Life remains income protection remains. And it it won't impact any any sort of definitions or any anything of that\n\nChannel 0: No.\n\nChannel 1: sort on TPD. Right?\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Not changing any structure types or anything like that. Literally just how much you will get.\n\nChannel 1: Yeah.\n\nChannel 0: With this hair, because you now have TPD lower than life and because they cancel each other out if you claim on TPD, it will mean that you have a little bit of extra life if you were to claim on TPD first.\n\nChannel 1: Yep.\n\nChannel 0: So you will have about 360,179 left of life if you were to claim on TPD first.\n\nChannel 1: Right. Yeah.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Yeah. It makes sense.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: And so you said that $8.33 in case 833 so it it it this will be taxable. Right? The\n\nChannel 0: Correct.\n\nChannel 1: TV.\n\nChannel 0: Sorry. Correct.\n\nChannel 1: Okay.\n\nChannel 0: So after the tax, it will come down to about that 650\n\nChannel 1: System. Yep.\n\nChannel 0: for the mortgage. But it also depends on the age of when you need to claim on it. So if you need to claim on it, if you're over 60, you don't have to pay the tax. But if it's under 60, you have to pay.\n\nChannel 1: Right. Yep.\n\nChannel 0: Yeah. And now we can obviously keep adjusting these because they do increase with inflation for you, and they do get more expensive with age. So we can always reassess it each year at annual review time as well if you feel like and, also, your mortgage might decrease each year as well. So we can always keep decreasing it if you feel like that's what you want because it's really easy to decrease it.\n\nChannel 1: Yeah. Easy to\n\nChannel 0: Yep.\n\nChannel 1: decrease, but difficult to increase. Yeah.\n\nChannel 0: Correct. Yes. So\n\nChannel 1: Yeah.\n\nChannel 0: just be mindful of that, obviously, that if we decrease it and then you call me in a month and say, do you know what? I wanna change it up to one one. That can be difficult depending on, you know, health and stuff like that. And you have to go through the whole underwriting process again, and they can rewrite the whole policy. So just be a little bit mindful of quite hard sometimes to increase it, easy to decrease.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Now on the the second page here, it will then show you the outside linked policy. And, again, there is a typo on the definition. It's definitely an own occupation, so that is correct.\n\nChannel 1: Yep.\n\nChannel 0: Again, not changing anything through the income protection that stays exactly the same, and the only change is PPD. So this is the out of pocket expense for the one that you pay for yourself. Again, just changing through TPD to match exactly the same as the one inside, but making\n\nChannel 1: Yep.\n\nChannel 0: it a little bit cheaper for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So on the next couple of pages, it basically just outlines the recommendation again, what your goals were in regards to it, also some advantages, disadvantages, and risks, again, to be mindful of, as well as, you know, alternatives considered. Kind of at the end there for you, Jayesh, which is just outline the ongoing services, also some important information as well as then the last bit, which is the remuneration. So that is page 26 or 25 where it says remuneration.\n\nCan\n\nChannel 1: Renovation.\n\nChannel 0: you see that?\n\nChannel 1: Yeah. 26. Yeah.\n\nChannel 0: Yep. Yep. So there's no changes or increases or anything like that through the advice fees. It stays exactly the same. But if you are happy and you would like to go ahead with the change of investment and reducing those that TPD for you.\n\nThere is no additional fees or charges. It stays exactly the same at 1.65 from superannuation there for you. And underneath that, it would just be outlined the the Tel commission. So with the tile insurances, we do get commissions for the policy, but that is tile paying us. It is not you paying us.\n\nBefore compliances, we have to disclose any commission we receive so that you are fully aware. But, again, that is TAIL paying us, not you paying us. And it's the same for every single insurance provider out there.\n\nChannel 1: Right. So this\n\nChannel 0: Yes.\n\nChannel 1: this one, the line item on tell, is this an annual premium or one soft?\n\nChannel 0: Yes. That is an annual premium.\n\nChannel 1: Annual. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: Yes. Any questions in regards to that?\n\nChannel 1: No. I think so you're\n\nChannel 0: No.\n\nChannel 1: saying it's it's it's exactly the same as what I'm doing currently, so there's no change in\n\nChannel 0: Correct. The only thing is the premium for Tal is less because it's calculated on a percentage\n\nChannel 1: it.\n\nChannel 0: of the premium. And because we are reducing\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: premium, it's less. But there's no increases in the advisory or anything like that. It's exactly the same.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yep. Perfect. And then on the the last couple of pages, it just basically outlines the authority to proceed and then how to implement the advice. So, basically, from here, the step will be obviously, take your time. Have a read through everything.\n\nIf you have any questions, let me know. If you are happy to go ahead with the recommendation, I'll just need you to to sign this SOA. I'll get notified, and then I will let the team know to go ahead and make the investment change as well as process that reduction for you. Now I have\n\nChannel 1: Yep.\n\nChannel 0: also included so if you go to sign, there is a little box where it says if you want to make any changes. So if, for example, you decide that you only want to go ahead with insurance the super recommendation, but you don't\n\nChannel 1: Yep.\n\nChannel 0: wanna go ahead with insurance, you can actually free type that in the box if you do change your mind or if there's no changes, you can just put NA or a full stop. Whatever is easy for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Do you have any other questions before I let you go otherwise, Tejas?\n\nChannel 1: No. I think that's\n\nChannel 0: No?\n\nChannel 1: yeah. No. I think we are not changing the investment. We're keeping with HOP 24, so that's fine. And we're just changing the portfolio makeup.\n\nSo\n\nChannel 0: Yep. Yep. So\n\nChannel 1: yeah.\n\nChannel 0: pretty\n\nChannel 1: That's okay.\n\nChannel 0: pretty\n\nChannel 1: And then yeah. TPD, I think it makes sense to me to reduce the TPD. I've been just\n\nChannel 0: Yep.\n\nChannel 1: thinking about it as well.\n\nChannel 0: Yeah. And it saves\n\nChannel 1: And, obviously,\n\nChannel 0: you a bit\n\nChannel 1: it\n\nChannel 0: of money.\n\nChannel 1: reduces the yeah. It reduces the premium as well, annual premium.\n\nChannel 0: Yes.\n\nChannel 1: So makes sense.\n\nChannel 0: Yes. Yep. Perfect. Well, I will let you go. Enjoy the rest of your day.\n\nObviously, have a read through it. Like I said, any questions, let me know. If not, if you're happy to proceed, just sign the documents, and the team will get notified.\n\nChannel 1: Sure. Sure.\n\nChannel 0: If there's anything else that you do need, though, at any point in time, you know, don't hesitate to give me a call or call the office, and we can always book you in for a bit of a catch up.\n\nChannel 1: Yeah. No. That's\n\nChannel 0: Yep.\n\nChannel 1: fine. Thank you so much.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: No problem at\n\nChannel 1: Cheers.\n\nChannel 0: all. I look forward to speaking with you soon again.\n\nChannel 1: Sure. Thank you. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03606459125876427}],"sentiment":"neutral","sentiment_score":0.03606459125876427,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Good morning.","start":2.48,"end":2.96,"sentiment":"neutral","sentiment_score":0.2620695233345032},{"text":"Is this Jayesh?","start":2.96,"end":3.78,"sentiment":"neutral","sentiment_score":0.08201515922943751}],"sentiment":"neutral","sentiment_score":0.15403690487146376,"channel":0,"num_words":5,"start":2.48,"end":3.78},{"sentences":[{"text":"Hi.","start":4.24,"end":4.74,"sentiment":"neutral","sentiment_score":0.1001306176185608},{"text":"Yes,","start":5.04,"end":5.52,"sentiment":"neutral","sentiment_score":0.14810195565223694}],"sentiment":"neutral","sentiment_score":0.12411628663539886,"channel":1,"num_words":2,"start":4.24,"end":5.52},{"sentences":[{"text":"This is","start":5.2,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.12175963819026947}],"sentiment":"neutral","sentiment_score":0.12175963819026947,"channel":0,"num_words":2,"start":5.2,"end":5.7599998},{"sentences":[{"text":"Trisha.","start":5.52,"end":6.02,"sentiment":"neutral","sentiment_score":0.1833430677652359}],"sentiment":"neutral","sentiment_score":0.1833430677652359,"channel":1,"num_words":1,"start":5.52,"end":6.02},{"sentences":[{"text":"Veronica from Equity Financial.","start":5.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.15089310333132744},{"text":"How are you?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.16873405873775482}],"sentiment":"neutral","sentiment_score":0.15853922707693918,"channel":0,"num_words":7,"start":5.7599998,"end":9.139999},{"sentences":[{"text":"I'm good, Veron.","start":9.2,"end":10.0,"sentiment":"positive","sentiment_score":0.5056000351905823},{"text":"How are you?","start":10.0,"end":10.82,"sentiment":"positive","sentiment_score":0.3885186016559601}],"sentiment":"positive","sentiment_score":0.4470593184232712,"channel":1,"num_words":6,"start":9.2,"end":10.82},{"sentences":[{"text":"I'm good.","start":10.96,"end":11.679999,"sentiment":"positive","sentiment_score":0.5556046068668365},{"text":"Thank you.","start":11.679999,"end":12.5,"sentiment":"positive","sentiment_score":0.692150890827179},{"text":"I had you booked in this morning just to go over your strategy recommendation.","start":13.304999,"end":16.525,"sentiment":"positive","sentiment_score":0.3918947918074472},{"text":"Is now still a good time for you?","start":16.824999,"end":18.525,"sentiment":"neutral","sentiment_score":0.3143608830869198}],"sentiment":"positive","sentiment_score":0.4037278902072173,"channel":0,"num_words":26,"start":10.96,"end":18.525},{"sentences":[{"text":"Yes.","start":18.904999,"end":19.305,"sentiment":"neutral","sentiment_score":0.1309475600719452},{"text":"Yes.","start":19.305,"end":19.805,"sentiment":"neutral","sentiment_score":0.12344194203615189}],"sentiment":"neutral","sentiment_score":0.12719475105404854,"channel":1,"num_words":2,"start":18.904999,"end":19.805},{"sentences":[{"text":"Yep.","start":19.625,"end":20.125,"sentiment":"neutral","sentiment_score":0.18397757411003113},{"text":"Perfect.","start":20.345,"end":20.845,"sentiment":"positive","sentiment_score":0.4206525683403015},{"text":"Now just 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":21.305,"end":28.204998,"sentiment":"neutral","sentiment_score":0.055066552141617084}],"sentiment":"neutral","sentiment_score":0.07101806950184607,"channel":0,"num_words":31,"start":19.625,"end":28.204998},{"sentences":[{"text":"Yeah.","start":28.505,"end":28.744999,"sentiment":"neutral","sentiment_score":0.17737765610218048},{"text":"That's perfectly fine.","start":28.744999,"end":30.24,"sentiment":"neutral","sentiment_score":0.32619550824165344}],"sentiment":"neutral","sentiment_score":0.2889910452067852,"channel":1,"num_words":4,"start":28.505,"end":30.24},{"sentences":[{"text":"Perfect.","start":30.53,"end":31.01,"sentiment":"positive","sentiment_score":0.4038286507129669},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":31.01,"end":37.190002,"sentiment":"neutral","sentiment_score":0.08697467840587099}],"sentiment":"neutral","sentiment_score":0.09964883729815482,"channel":0,"num_words":25,"start":30.53,"end":37.190002},{"sentences":[{"text":"My full name is Jayesh Agarwal.","start":38.54,"end":39.9,"sentiment":"neutral","sentiment_score":0.044379795591036476},{"text":"Date of birth twenty first September nineteen eighty, and address is 20 Elcon Bay, Point Cook, Victoria 3030.","start":39.9,"end":46.785,"sentiment":"neutral","sentiment_score":0.0588153006715907}],"sentiment":"neutral","sentiment_score":0.055206424401452146,"channel":1,"num_words":24,"start":38.54,"end":46.785},{"sentences":[{"text":"Perfect.","start":47.185,"end":47.585,"sentiment":"positive","sentiment_score":0.6194696426391602},{"text":"That's exactly what I have here.","start":47.585,"end":49.025,"sentiment":"positive","sentiment_score":0.6881925364335378},{"text":"And thank you so much for confirming everything with your employer as well.","start":49.025,"end":53.185,"sentiment":"positive","sentiment_score":0.6982280428592975},{"text":"That was great.","start":53.185,"end":54.245,"sentiment":"positive","sentiment_score":0.6788802941640218},{"text":"Now I have to send you an email.","start":55.47,"end":57.95,"sentiment":"neutral","sentiment_score":0.09562789183109999}],"sentiment":"positive","sentiment_score":0.5363630140500684,"channel":0,"num_words":31,"start":47.185,"end":57.95},{"sentences":[{"text":"Do you have access to your emails at the moment?","start":57.95,"end":59.89,"sentiment":"neutral","sentiment_score":0.02161696646362543}],"sentiment":"neutral","sentiment_score":0.02161696646362543,"channel":0,"num_words":10,"start":57.95,"end":59.89},{"sentences":[{"text":"Yes.","start":60.7,"end":61.18,"sentiment":"neutral","sentiment_score":0.053638726472854614},{"text":"I do.","start":61.18,"end":61.739998,"sentiment":"neutral","sentiment_score":0.06517115980386734}],"sentiment":"neutral","sentiment_score":0.061327015360196434,"channel":1,"num_words":3,"start":60.7,"end":61.739998},{"sentences":[{"text":"Yep.","start":61.47,"end":61.97,"sentiment":"neutral","sentiment_score":0.08039507269859314}],"sentiment":"neutral","sentiment_score":0.08039507269859314,"channel":0,"num_words":1,"start":61.47,"end":61.97},{"sentences":[{"text":"Just give me a","start":61.739998,"end":62.62,"sentiment":"neutral","sentiment_score":0.09211848862469196}],"sentiment":"neutral","sentiment_score":0.09211848862469196,"channel":1,"num_words":4,"start":61.739998,"end":62.62},{"sentences":[{"text":"Perfect.","start":62.59,"end":63.09,"sentiment":"neutral","sentiment_score":0.14148229360580444}],"sentiment":"neutral","sentiment_score":0.14148229360580444,"channel":0,"num_words":1,"start":62.59,"end":63.09},{"sentences":[{"text":"sec.","start":62.62,"end":63.12,"sentiment":"neutral","sentiment_score":0.10986785590648653},{"text":"Yep.","start":72.14,"end":72.619995,"sentiment":"neutral","sentiment_score":0.06136786937713623},{"text":"You 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email?","start":73.02,"end":73.965,"sentiment":"neutral","sentiment_score":0.03708393219858408}],"sentiment":"neutral","sentiment_score":0.03708393219858408,"channel":1,"num_words":4,"start":73.02,"end":73.965},{"sentences":[{"text":"Yes.","start":74.235,"end":74.635,"sentiment":"neutral","sentiment_score":0.05180234834551811}],"sentiment":"neutral","sentiment_score":0.05180234834551811,"channel":0,"num_words":1,"start":74.235,"end":74.635},{"sentences":[{"text":"Yep.","start":74.445,"end":74.945,"sentiment":"neutral","sentiment_score":0.06279099732637405}],"sentiment":"neutral","sentiment_score":0.06279099732637405,"channel":1,"num_words":1,"start":74.445,"end":74.945},{"sentences":[{"text":"I did.","start":74.635,"end":75.295,"sentiment":"neutral","sentiment_score":0.08887695148587227},{"text":"Yeah.","start":75.435,"end":75.935,"sentiment":"neutral","sentiment_score":0.08558302372694016},{"text":"It","start":78.475,"end":78.635,"sentiment":"neutral","sentiment_score":0.06737233698368073}],"sentiment":"neutral","sentiment_score":0.08267731592059135,"channel":0,"num_words":4,"start":74.635,"end":78.635},{"sentences":[{"text":"Okay.","start":78.524994,"end":79.024994,"sentiment":"neutral","sentiment_score":0.07612818479537964}],"sentiment":"neutral","sentiment_score":0.07612818479537964,"channel":1,"num_words":1,"start":78.524994,"end":79.024994},{"sentences":[{"text":"might show from my colleague, Morgan, because he just issued it for me.","start":78.635,"end":83.58,"sentiment":"neutral","sentiment_score":0.10788379982113838}],"sentiment":"neutral","sentiment_score":0.10788379982113838,"channel":0,"num_words":13,"start":78.635,"end":83.58},{"sentences":[{"text":"Yes.","start":83.884995,"end":84.384995,"sentiment":"neutral","sentiment_score":0.09844793379306792}],"sentiment":"neutral","sentiment_score":0.09844793379306792,"channel":1,"num_words":1,"start":83.884995,"end":84.384995},{"sentences":[{"text":"Yeah.","start":84.920006,"end":85.420006,"sentiment":"neutral","sentiment_score":0.15365397930145264},{"text":"Perfect.","start":85.880005,"end":86.380005,"sentiment":"neutral","sentiment_score":0.244589239358902},{"text":"Now if you can click in to the email there for me, you should then see a cover page where it says OQ financial statement of advice.","start":86.840004,"end":96.14,"sentiment":"neutral","sentiment_score":0.10671102200393323}],"sentiment":"neutral","sentiment_score":0.11308416595746731,"channel":0,"num_words":29,"start":84.920006,"end":96.14},{"sentences":[{"text":"Yeah.","start":97.79,"end":98.29,"sentiment":"neutral","sentiment_score":0.05952528491616249},{"text":"Student advice.","start":98.91,"end":99.87,"sentiment":"neutral","sentiment_score":0.06711184233427048},{"text":"Yeah.","start":99.87,"end":100.11,"sentiment":"neutral","sentiment_score":0.08864504098892212},{"text":"That's the 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just so you know as well, so before you click on on the link, if you wanna go back later, you will have a couple of attachments included.","start":103.625,"end":111.325,"sentiment":"neutral","sentiment_score":0.13626070192147946},{"text":"That is just for for research.","start":112.28,"end":113.8,"sentiment":"neutral","sentiment_score":0.12828667213519415},{"text":"So, like, your appendix or the links to the investments and stuff like that, it's all there for you if you do wanna have a read over that in your own time as well.","start":113.8,"end":123.020004,"sentiment":"neutral","sentiment_score":0.1869298780665678},{"text":"Yep.","start":124.055,"end":124.455,"sentiment":"neutral","sentiment_score":0.1344410628080368}],"sentiment":"neutral","sentiment_score":0.1613466190830083,"channel":0,"num_words":71,"start":101.945,"end":124.455},{"sentences":[{"text":"Perfect.","start":124.455,"end":124.955,"sentiment":"neutral","sentiment_score":0.07168129831552505},{"text":"Now I've done some research, obviously, from our last conversation in regards to your super and specifically your investments to see if there was anything we can do to kind of change things a little bit for you and improve kind of the returns moving forward.","start":125.095,"end":138.155,"sentiment":"neutral","sentiment_score":0.1814779853043349},{"text":"And then also getting those quotes to reduce your total permanent disability insurance.","start":138.63,"end":143.35,"sentiment":"neutral","sentiment_score":0.08214005913871986},{"text":"You remember that conversation and everything?","start":143.35,"end":145.45,"sentiment":"neutral","sentiment_score":0.017953158511469763}],"sentiment":"neutral","sentiment_score":0.14538194457859252,"channel":0,"num_words":66,"start":124.455,"end":145.45},{"sentences":[{"text":"Yes.","start":145.23,"end":145.73,"sentiment":"neutral","sentiment_score":0.08804187178611755},{"text":"Yes.","start":145.79,"end":146.29,"sentiment":"neutral","sentiment_score":0.12758289277553558}],"sentiment":"neutral","sentiment_score":0.10781238228082657,"channel":1,"num_words":2,"start":145.23,"end":146.29},{"sentences":[{"text":"Yep.","start":145.99,"end":146.39,"sentiment":"neutral","sentiment_score":0.2865329384803772},{"text":"Great.","start":146.39,"end":146.79,"sentiment":"positive","sentiment_score":0.7019086480140686},{"text":"Perfect.","start":146.79,"end":147.29,"sentiment":"positive","sentiment_score":0.67287278175354},{"text":"So today is just kind of putting that that recommendation in here for you.","start":147.51,"end":152.665,"sentiment":"positive","sentiment_score":0.4038159229925701},{"text":"Every time we do make a recommendation, we have to put everything in a statement of advice so that you are completely across everything and you fully understand it.","start":152.805,"end":161.125,"sentiment":"neutral","sentiment_score":0.24017844837287378}],"sentiment":"neutral","sentiment_score":0.3104328759338545,"channel":0,"num_words":46,"start":145.99,"end":161.125},{"sentences":[{"text":"So a lot of it is just the compliance.","start":161.125,"end":163.22499,"sentiment":"neutral","sentiment_score":0.20672949817445543},{"text":"So I'll tryna go through this as quickly as I can for you and just kind of cover the main point.","start":163.5,"end":169.28,"sentiment":"neutral","sentiment_score":0.20727345915067763},{"text":"But if at any point in time we go through things and you're not sure, just interrupt me and let me 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Financial.","start":181.115,"end":184.175,"sentiment":"neutral","sentiment_score":0.10050849510090691},{"text":"You will also have my authorized representative number listed there and, obviously, all our contact details and everything like that on the cover page.","start":184.235,"end":192.69,"sentiment":"neutral","sentiment_score":0.11086761144300301},{"text":"Now on the second page there for me, you will see the best interest duty are duty outlined again.","start":193.55,"end":199.95,"sentiment":"neutral","sentiment_score":0.056462371231693974}],"sentiment":"neutral","sentiment_score":0.10816481748401229,"channel":0,"num_words":67,"start":176.395,"end":199.95},{"sentences":[{"text":"Can you see that?","start":199.95,"end":200.865,"sentiment":"neutral","sentiment_score":0.042381671257317066}],"sentiment":"neutral","sentiment_score":0.042381671257317066,"channel":0,"num_words":4,"start":199.95,"end":200.865},{"sentences":[{"text":"Mhmm.","start":201.18,"end":201.26,"sentiment":"neutral","sentiment_score":0.021109677851200104},{"text":"Yep.","start":201.26,"end":201.585,"sentiment":"neutral","sentiment_score":0.04339509829878807}],"sentiment":"neutral","sentiment_score":0.03225238807499409,"channel":1,"num_words":2,"start":201.18,"end":201.585},{"sentences":[{"text":"Yep.","start":202.065,"end":202.38501,"sentiment":"neutral","sentiment_score":0.0830138698220253},{"text":"Perfect.","start":202.38501,"end":202.88501,"sentiment":"neutral","sentiment_score":0.2733306288719177},{"text":"So, basically, this just means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice.","start":203.265,"end":213.925,"sentiment":"neutral","sentiment_score":0.11338075452617237}],"sentiment":"neutral","sentiment_score":0.11688299748945881,"channel":0,"num_words":37,"start":202.065,"end":213.925},{"sentences":[{"text":"Yep.","start":213.68001,"end":214.18001,"sentiment":"neutral","sentiment_score":-0.157634437084198}],"sentiment":"neutral","sentiment_score":-0.157634437084198,"channel":1,"num_words":1,"start":213.68001,"end":214.18001},{"sentences":[{"text":"Otherwise, I can't actually make the recommendation.","start":214.38,"end":216.64,"sentiment":"negative","sentiment_score":-0.45359951683453154},{"text":"And if I don't act in your best interest, then I will lose my license.","start":217.34,"end":221.2,"sentiment":"negative","sentiment_score":-0.5199627161026001},{"text":"And if I lose my license, I will lose my job, and my husband at home will be too happy with me.","start":221.26,"end":226.08,"sentiment":"negative","sentiment_score":-0.5027161294763739}],"sentiment":"negative","sentiment_score":-0.5007816410877488,"channel":0,"num_words":44,"start":214.38,"end":226.08},{"sentences":[{"text":"Yeah.","start":225.6,"end":226.1,"sentiment":"neutral","sentiment_score":-0.10847431421279909}],"sentiment":"neutral","sentiment_score":-0.10847431421279909,"channel":1,"num_words":1,"start":225.6,"end":226.1},{"sentences":[{"text":"So there's obviously a lot in place to protect you, 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where you do need advice on, you know, cash flow and budgeting to save for anything and stuff like that, just let me know, and we can always book you in for a bit of a catch up.","start":271.525,"end":282.46002,"sentiment":"neutral","sentiment_score":0.06863514181565154},{"text":"But, otherwise, pretty straightforward today, just basically those super and 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and then the target weight is the percentage we are aiming for and then how that correlates with the dollar value.","start":1194.9149,"end":1203.015,"sentiment":"neutral","sentiment_score":0.1316422843016111},{"text":"So,","start":1203.5549,"end":1204.0549,"sentiment":"neutral","sentiment_score":0.03756609931588173}],"sentiment":"neutral","sentiment_score":0.1281579811539915,"channel":0,"num_words":27,"start":1194.9149,"end":1204.0549},{"sentences":[{"text":"Right.","start":1204.035,"end":1204.535,"sentiment":"neutral","sentiment_score":0.022167809307575222}],"sentiment":"neutral","sentiment_score":0.022167809307575222,"channel":1,"num_words":1,"start":1204.035,"end":1204.535},{"sentences":[{"text":"essentially, 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soon.","start":1234.4501,"end":1236.55,"sentiment":"neutral","sentiment_score":-0.15809629751103266}],"sentiment":"neutral","sentiment_score":-0.15809629751103266,"channel":0,"num_words":7,"start":1234.4501,"end":1236.55},{"sentences":[{"text":"Right.","start":1237.275,"end":1237.74,"sentiment":"neutral","sentiment_score":-0.06267507374286652}],"sentiment":"neutral","sentiment_score":-0.06267507374286652,"channel":1,"num_words":1,"start":1237.275,"end":1237.74},{"sentences":[{"text":"So we are changing that one.","start":1237.49,"end":1239.89,"sentiment":"neutral","sentiment_score":-0.05085245209435622},{"text":"So kind of overall, we wanted to focus on keeping you in a growth portfolio, keeping you as diversified as we can","start":1239.89,"end":1247.43,"sentiment":"neutral","sentiment_score":0.13033309968357737}],"sentiment":"neutral","sentiment_score":0.0915076243025916,"channel":0,"num_words":28,"start":1237.49,"end":1247.43},{"sentences":[{"text":"Right.","start":1248.14,"end":1248.64,"sentiment":"neutral","sentiment_score":0.08685901761054993}],"sentiment":"neutral","sentiment_score":0.08685901761054993,"channel":1,"num_words":1,"start":1248.14,"end":1248.64},{"sentences":[{"text":"while still making sure that we keep the growth up.","start":1248.4451,"end":1252.6051,"sentiment":"neutral","sentiment_score":0.15414273999631406},{"text":"So, essentially, how the new portfolio has been structured, we are still very much aligning with the core satellite approach to investment.","start":1252.6051,"end":1259.9851,"sentiment":"neutral","sentiment_score":0.1488033743067221},{"text":"So still focusing on where you have the majority of the funds in what we call your core investment.","start":1260.66,"end":1266.4401,"sentiment":"neutral","sentiment_score":0.11074989445899662},{"text":"So these are kind of, you know, the backbones of the portfolio and are mainly those passive index funds.","start":1266.7401,"end":1271.8601,"sentiment":"neutral","sentiment_score":0.09944570809602737},{"text":"So these are your biggest shareholding.","start":1271.8601,"end":1273.4,"sentiment":"neutral","sentiment_score":0.09110911438862483}],"sentiment":"neutral","sentiment_score":0.12309832591563463,"channel":0,"num_words":76,"start":1248.4451,"end":1273.4},{"sentences":[{"text":"So","start":1274.1649,"end":1274.485,"sentiment":"neutral","sentiment_score":0.06430007517337799}],"sentiment":"neutral","sentiment_score":0.06430007517337799,"channel":0,"num_words":1,"start":1274.1649,"end":1274.485},{"sentences":[{"text":"Right.","start":1274.38,"end":1274.88,"sentiment":"neutral","sentiment_score":-0.008901107124984264}],"sentiment":"neutral","sentiment_score":-0.008901107124984264,"channel":1,"num_words":1,"start":1274.38,"end":1274.88},{"sentences":[{"text":"for example, you will see 30%, which you you kind of already had.","start":1274.485,"end":1277.6849,"sentiment":"neutral","sentiment_score":0.06988297445842853},{"text":"You had 26.08 in the iShares S and P 500.","start":1277.6849,"end":1281.465,"sentiment":"neutral","sentiment_score":0.03642145954072475},{"text":"You've probably heard of this number four?","start":1282.565,"end":1284.745,"sentiment":"neutral","sentiment_score":0.018361268432012627}],"sentiment":"neutral","sentiment_score":0.04670740474636356,"channel":0,"num_words":30,"start":1274.485,"end":1284.745},{"sentences":[{"text":"Yeah.","start":1284.9551,"end":1285.1951,"sentiment":"neutral","sentiment_score":0.061093032360076904},{"text":"Yeah.","start":1285.1951,"end":1285.6951,"sentiment":"neutral","sentiment_score":0.07934746146202087}],"sentiment":"neutral","sentiment_score":0.07022024691104889,"channel":1,"num_words":2,"start":1284.9551,"end":1285.6951},{"sentences":[{"text":"Yeah.","start":1285.765,"end":1286.085,"sentiment":"neutral","sentiment_score":0.11257705092430116},{"text":"Yeah.","start":1286.085,"end":1286.325,"sentiment":"neutral","sentiment_score":0.24021828174591064},{"text":"Perfect.","start":1286.325,"end":1286.825,"sentiment":"positive","sentiment_score":0.537480354309082},{"text":"Now you then have 20% in beta shares Australia 200.","start":1287.9801,"end":1292.0,"sentiment":"neutral","sentiment_score":0.256769585609436},{"text":"So this is the one as well where we kind of we wanted to make sure that if we obviously reduced the Benelong Australian equity, we still wanna make sure you have some exposure to the Australian market as well.","start":1292.2201,"end":1303.3049,"sentiment":"neutral","sentiment_score":0.15864608068950475}],"sentiment":"neutral","sentiment_score":0.184977637182148,"channel":0,"num_words":53,"start":1285.765,"end":1303.3049},{"sentences":[{"text":"So but this one here is more of that passive investment.","start":1304.085,"end":1307.285,"sentiment":"neutral","sentiment_score":0.09058188714764336},{"text":"So it does invest still in the 200 largest companies listed on the ASX.","start":1307.285,"end":1311.705,"sentiment":"neutral","sentiment_score":0.13274310369576728},{"text":"You still have all the big companies like Commonwealth and BHP and Woolworths.","start":1312.165,"end":1316.025,"sentiment":"neutral","sentiment_score":0.13100150227546692},{"text":"So that's why that one is 20%.","start":1317.04,"end":1319.54,"sentiment":"neutral","sentiment_score":0.1490497589111328},{"text":"You then have your","start":1320.48,"end":1321.4401,"sentiment":"neutral","sentiment_score":0.11511166580021381}],"sentiment":"neutral","sentiment_score":0.12370650439846273,"channel":0,"num_words":49,"start":1304.085,"end":1321.4401},{"sentences":[{"text":"Bye.","start":1321.16,"end":1321.66,"sentiment":"neutral","sentiment_score":0.08361943811178207}],"sentiment":"neutral","sentiment_score":0.08361943811178207,"channel":1,"num_words":1,"start":1321.16,"end":1321.66},{"sentences":[{"text":"your satellite investments.","start":1321.4401,"end":1322.88,"sentiment":"neutral","sentiment_score":0.0800490453839302},{"text":"So these are the ones that's a little bit more specialized.","start":1322.88,"end":1325.14,"sentiment":"neutral","sentiment_score":0.06910831142555583},{"text":"They can be a little bit more volatile, and that's why they only represent a smaller portion of the portfolio.","start":1326.3201,"end":1331.825,"sentiment":"neutral","sentiment_score":0.038685253635048863},{"text":"But these are also the ones that we can see the biggest growth areas in.","start":1332.4451,"end":1336.125,"sentiment":"neutral","sentiment_score":0.17592702358961104},{"text":"So these can be a little bit more targeted to different sectors or regions or assets.","start":1336.125,"end":1342.385,"sentiment":"neutral","sentiment_score":0.1460579913109541}],"sentiment":"neutral","sentiment_score":0.1038442592208202,"channel":0,"num_words":65,"start":1321.4401,"end":1342.385},{"sentences":[{"text":"So, for example, you have 8% invested in iShares Europe, 5% in Japan, and then you have 8% in Vanguard or Wells.","start":1342.98,"end":1353.22,"sentiment":"neutral","sentiment_score":0.07074710117145018},{"text":"But this one excludes The US because you already have exposure to The US in the ISHES S and P 500.","start":1353.22,"end":1359.945,"sentiment":"neutral","sentiment_score":-0.030952919185871168},{"text":"And we don't","start":1360.1649,"end":1360.725,"sentiment":"neutral","sentiment_score":-0.04395210991303126}],"sentiment":"neutral","sentiment_score":0.0168384476767286,"channel":0,"num_words":46,"start":1342.98,"end":1360.725},{"sentences":[{"text":"Yes.","start":1360.5449,"end":1360.89,"sentiment":"neutral","sentiment_score":-0.07213479280471802}],"sentiment":"neutral","sentiment_score":-0.07213479280471802,"channel":1,"num_words":1,"start":1360.5449,"end":1360.89},{"sentences":[{"text":"wanna have too much in one, you know, market as well.","start":1360.725,"end":1363.625,"sentiment":"neutral","sentiment_score":-0.12331496382301504},{"text":"Does that make sense?","start":1363.6849,"end":1364.745,"sentiment":"neutral","sentiment_score":0.004312465898692608}],"sentiment":"neutral","sentiment_score":-0.089280982563893,"channel":0,"num_words":15,"start":1360.725,"end":1364.745},{"sentences":[{"text":"Yeah.","start":1365.21,"end":1365.4501,"sentiment":"neutral","sentiment_score":-0.013802506029605864},{"text":"No.","start":1365.4501,"end":1365.61,"sentiment":"neutral","sentiment_score":-0.05128611996769905},{"text":"Absolutely.","start":1365.61,"end":1366.11,"sentiment":"neutral","sentiment_score":0.06588825583457947}],"sentiment":"neutral","sentiment_score":0.00026654327909151715,"channel":1,"num_words":3,"start":1365.21,"end":1366.11},{"sentences":[{"text":"Yeah.","start":1366.1649,"end":1366.485,"sentiment":"neutral","sentiment_score":0.1606491506099701},{"text":"Perfect.","start":1366.485,"end":1366.985,"sentiment":"positive","sentiment_score":0.3625238537788391}],"sentiment":"neutral","sentiment_score":0.2615865021944046,"channel":0,"num_words":2,"start":1366.1649,"end":1366.985},{"sentences":[{"text":"So you're also reducing a lot on gold as well from 17% almost to 10%.","start":1366.89,"end":1372.75,"sentiment":"neutral","sentiment_score":0.16083284815152485}],"sentiment":"neutral","sentiment_score":0.16083284815152485,"channel":1,"num_words":15,"start":1366.89,"end":1372.75},{"sentences":[{"text":"Yes.","start":1373.46,"end":1373.7799,"sentiment":"neutral","sentiment_score":0.14660076797008514},{"text":"Because it was yes.","start":1373.7799,"end":1375.62,"sentiment":"neutral","sentiment_score":0.1524309404194355},{"text":"Yes.","start":1375.62,"end":1375.94,"sentiment":"neutral","sentiment_score":0.19879035651683807},{"text":"So we we're doing a gold that has been doing really well, but we also don't want you to be too overweight in gold as 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it aligns with your your risk profile.","start":1382.445,"end":1386.0449,"sentiment":"neutral","sentiment_score":0.2766657790967396},{"text":"And because it has gone up quite a bit, which is good, obviously, the prices have have gone up, which which is good.","start":1386.0449,"end":1393.1649,"sentiment":"positive","sentiment_score":0.5089905148615008},{"text":"But, yeah, we don't wanna be too weighted in gold either because the it's more of that kind of can act as both a growth and a defensive.","start":1393.1649,"end":1400.96,"sentiment":"neutral","sentiment_score":0.06703186248029981},{"text":"But because we're still targeting and trying to grow your portfolio, we don't want too much allocated to this area as well.","start":1401.5,"end":1408.4,"sentiment":"neutral","sentiment_score":0.0674819029359655},{"text":"We still wanna have it as a foundation in your portfolio, so we still wanna have it about 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sorry.","start":1449.4601,"end":1451.78,"sentiment":"neutral","sentiment_score":0.10474192630499601},{"text":"That's kind of what I mentioned.","start":1451.78,"end":1452.9,"sentiment":"neutral","sentiment_score":0.1250677133599917},{"text":"I have made so in the appendix, which was one of those attachments in the email as well, there is investment links.","start":1452.9,"end":1459.8601,"sentiment":"neutral","sentiment_score":0.16672864725643938},{"text":"So all of these investments I have recommended are there for you.","start":1459.8601,"end":1463.675,"sentiment":"positive","sentiment_score":0.39322010427713394},{"text":"So if you want to read up on them a little bit more, it's all in there for you as well.","start":1463.675,"end":1468.235,"sentiment":"neutral","sentiment_score":0.3147633827867962}],"sentiment":"neutral","sentiment_score":0.240362959711448,"channel":0,"num_words":69,"start":1449.4601,"end":1468.235},{"sentences":[{"text":"So all the research and everything is there 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table.","start":1505.52,"end":1508.3401,"sentiment":"neutral","sentiment_score":0.0970430498321851},{"text":"So can you see that okay?","start":1508.4,"end":1510.1,"sentiment":"neutral","sentiment_score":0.1138172596693039}],"sentiment":"neutral","sentiment_score":0.14180502504110337,"channel":0,"num_words":25,"start":1498.375,"end":1510.1},{"sentences":[{"text":"Yep.","start":1510.13,"end":1510.45,"sentiment":"neutral","sentiment_score":0.0864117294549942},{"text":"Yep.","start":1510.45,"end":1510.785,"sentiment":"neutral","sentiment_score":0.11506296694278716}],"sentiment":"neutral","sentiment_score":0.10073734819889069,"channel":1,"num_words":2,"start":1510.13,"end":1510.785},{"sentences":[{"text":"Yep.","start":1511.12,"end":1511.52,"sentiment":"neutral","sentiment_score":0.2358180731534958},{"text":"Perfect.","start":1511.52,"end":1512.02,"sentiment":"neutral","sentiment_score":0.057905226945877075},{"text":"So kind of like I said, we're not really making any changes to your risk 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me.","start":1550.2549,"end":1555.875,"sentiment":"neutral","sentiment_score":0.03906158214578262}],"sentiment":"neutral","sentiment_score":0.03906158214578262,"channel":0,"num_words":13,"start":1550.2549,"end":1555.875},{"sentences":[{"text":"20 or 24?","start":1556.98,"end":1558.52,"sentiment":"neutral","sentiment_score":0.01562869145224492}],"sentiment":"neutral","sentiment_score":0.01562869145224492,"channel":1,"num_words":3,"start":1556.98,"end":1558.52},{"sentences":[{"text":"Yes.","start":1558.095,"end":1558.595,"sentiment":"neutral","sentiment_score":0.041978850960731506},{"text":"20.","start":1559.455,"end":1559.955,"sentiment":"neutral","sentiment_score":0.027347562834620476},{"text":"Two zero, please.","start":1560.095,"end":1561.1549,"sentiment":"neutral","sentiment_score":0.05118647341926893}],"sentiment":"neutral","sentiment_score":0.04457716681063175,"channel":0,"num_words":5,"start":1558.095,"end":1561.1549},{"sentences":[{"text":"Yep.","start":1561.14,"end":1561.64,"sentiment":"neutral","sentiment_score":0.12487916648387908}],"sentiment":"neutral","sentiment_score":0.12487916648387908,"channel":1,"num_words":1,"start":1561.14,"end":1561.64},{"sentences":[{"text":"On 21.","start":1561.59,"end":1562.65,"sentiment":"neutral","sentiment_score":0.057750336825847626},{"text":"Now before I do go into the insurance change, do you have any other questions on Max the Super and the investments otherwise at this 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this will be 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time, you know, don't hesitate to give me a call or call the office, and we can always book you in for a bit of a catch up.","start":2064.865,"end":2073.81,"sentiment":"neutral","sentiment_score":0.18333478144756177}],"sentiment":"neutral","sentiment_score":0.18333478144756177,"channel":0,"num_words":41,"start":2064.865,"end":2073.81},{"sentences":[{"text":"Yeah.","start":2074.355,"end":2074.675,"sentiment":"neutral","sentiment_score":0.08353284746408463},{"text":"No.","start":2074.675,"end":2074.915,"sentiment":"neutral","sentiment_score":0.01619045063853264},{"text":"That's","start":2074.915,"end":2075.415,"sentiment":"neutral","sentiment_score":0.13759014010429382}],"sentiment":"neutral","sentiment_score":0.0791044794023037,"channel":1,"num_words":3,"start":2074.355,"end":2075.415},{"sentences":[{"text":"Yep.","start":2075.31,"end":2075.81,"sentiment":"neutral","sentiment_score":0.08951662480831146}],"sentiment":"neutral","sentiment_score":0.08951662480831146,"channel":0,"num_words":1,"start":2075.31,"end":2075.81},{"sentences":[{"text":"fine.","start":2075.635,"end":2076.035,"sentiment":"neutral","sentiment_score":0.32385388016700745},{"text":"Thank you so much.","start":2076.035,"end":2077.015,"sentiment":"positive","sentiment_score":0.8032252937555313}],"sentiment":"positive","sentiment_score":0.7073510110378265,"channel":1,"num_words":5,"start":2075.635,"end":2077.015},{"sentences":[{"text":"Perfect.","start":2076.6702,"end":2077.1702,"sentiment":"positive","sentiment_score":0.7465168237686157}],"sentiment":"positive","sentiment_score":0.7465168237686157,"channel":0,"num_words":1,"start":2076.6702,"end":2077.1702},{"sentences":[{"text":"Yep.","start":2077.2349,"end":2077.7349,"sentiment":"positive","sentiment_score":0.4745292365550995}],"sentiment":"positive","sentiment_score":0.4745292365550995,"channel":1,"num_words":1,"start":2077.2349,"end":2077.7349},{"sentences":[{"text":"No problem at","start":2077.31,"end":2077.95,"sentiment":"positive","sentiment_score":0.6001521348953247}],"sentiment":"positive","sentiment_score":0.6001521348953247,"channel":0,"num_words":3,"start":2077.31,"end":2077.95},{"sentences":[{"text":"Cheers.","start":2077.875,"end":2078.375,"sentiment":"positive","sentiment_score":0.5917414426803589}],"sentiment":"positive","sentiment_score":0.5917414426803589,"channel":1,"num_words":1,"start":2077.875,"end":2078.375},{"sentences":[{"text":"all.","start":2077.95,"end":2078.03,"sentiment":"positive","sentiment_score":0.5807151794433594},{"text":"I look forward to speaking with you soon again.","start":2078.03,"end":2080.05,"sentiment":"positive","sentiment_score":0.7812283502684699}],"sentiment":"positive","sentiment_score":0.7611770331859589,"channel":0,"num_words":10,"start":2077.95,"end":2080.05},{"sentences":[{"text":"Sure.","start":2079.795,"end":2080.195,"sentiment":"positive","sentiment_score":0.5155392289161682},{"text":"Thank you.","start":2080.195,"end":2080.755,"sentiment":"positive","sentiment_score":0.7057439684867859},{"text":"Bye.","start":2080.755,"end":2081.255,"sentiment":"positive","sentiment_score":0.4161463379859924}],"sentiment":"positive","sentiment_score":0.5857933759689331,"channel":1,"num_words":4,"start":2079.795,"end":2081.255},{"sentences":[{"text":"Thanks.","start":2081.1501,"end":2081.6301,"sentiment":"positive","sentiment_score":0.6334108114242554},{"text":"Bye.","start":2081.6301,"end":2082.1301,"sentiment":"neutral","sentiment_score":-0.11106494814157486}],"sentiment":"neutral","sentiment_score":0.26117293164134026,"channel":0,"num_words":2,"start":2081.1501,"end":2082.1301}]},"summary":{"result":"success","short":"A representative from Equity Financial called a customer named Veron to discuss his investment strategy and goals for the future, including updating his income protection policy and possibly looking at investment property. The advice is to act in the best interests of the customer's interests and to change their investment portfolio. The agent recommends staying in Hub 24, a competitive investment option, but emphasizes the benefits and risks of the recommendation and avoiding compromise on returns. The retirement process is explained, along with the risk profile and asset allocation. The agent provides information on risk profile and retirement plans, and explains the annual premium reduction and the possibility of signing documents to make changes."},"intents":{"segments":[{"text":"I had you booked in this morning just to go over your strategy recommendation. Is now still a good time for you?","start_word":28,"end_word":49,"intents":[{"intent":"Schedule strategy recommendation","confidence_score":0.051308163}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start_word":88,"end_word":111,"intents":[{"intent":"Confirm information","confidence_score":0.0018969637}]},{"text":"So today is just kind of putting that that recommendation in here for you. Every time we do make a recommendation, we have to put everything in a statement of advice so that you are completely across everything and you fully understand it.","start_word":398,"end_word":440,"intents":[{"intent":"Recommend recommendations","confidence_score":0.016940746}]},{"text":"Like I said, pretty straightforward and mainly reviewing your superannuation and your insurances. Now on the next page, you will then see some other goals that you mentioned that we're not making a recommendation on today.","start_word":701,"end_word":736,"intents":[{"intent":"Review superannuation goals","confidence_score":0.0030903895}]},{"text":"So if it's ever a situation where you do need advice on, you know, cash flow and budgeting to save for anything and stuff like that, just let me know, and we can always book you in for a bit of a catch up.","start_word":756,"end_word":799,"intents":[{"intent":"Book catch up","confidence_score":0.37481296}]},{"text":"Can definitely refer you on to someone if you do need it.","start_word":871,"end_word":882,"intents":[{"intent":"Refer to someone for advice","confidence_score":0.031618107}]},{"text":"Otherwise, if you scroll through, you will see a page where it says about you and then also your lifestyle assets and liabilities. If you can have a quick read over that for me, just to make sure that's up to date or if I need to make any changes in the back end for you. Yeah.","start_word":887,"end_word":943,"intents":[{"intent":"Review lifestyle assets and liabilities","confidence_score":0.07734916}]},{"text":"So this just outlines your current situation. So it shows here you have 24 account and also your policy.","start_word":1019,"end_word":1037,"intents":[{"intent":"Review current situation","confidence_score":0.14891395}]},{"text":"So this shows you what you currently have in place. So you at the moment have life and PPD. So that's about $1,193,512. And then you also have your income protection. So the income protection will pay you a monthly amount of $4,172. You have a four week waiting period and a benefit period through age of 65.","start_word":1039,"end_word":1096,"intents":[{"intent":"Provide information","confidence_score":0.015560795}]},{"text":"Now I did do some research on your policy as well after the last conversation just to check as well how everything was linked for you. And your the way that your policy is currently set up is that your life and the TPD are linked together. So what that means is if you were to claim on TPD, it cancels your life policy. Yep. Yep.","start_word":1123,"end_word":1188,"intents":[{"intent":"Inform about policy","confidence_score":0.010477592}]},{"text":"So what that means is if you were to claim on TPD, it cancels your life policy. Yep. Yep.","start_word":1170,"end_word":1188,"intents":[{"intent":"Explain tpd plan","confidence_score":0.007625562}]},{"text":"I could still change the TPD amount for you to be a little bit less as per kind of your goals, so that was fine.","start_word":1189,"end_word":1213,"intents":[{"intent":"Reduce tpd amount","confidence_score":0.0024408228}]},{"text":"Now the next page, it just shows you the outside super policy. You have a split to get some additional benefits, which is great. It's the same policy. It's just kind of held inside and outside for for those additional benefits for you.","start_word":1342,"end_word":1384,"intents":[{"intent":"Discuss additional benefits","confidence_score":0.013866207}]},{"text":"think the definition of DPD in that is own occupation, not any. Correct. That is correct. That is a a a typo in the document. Yeah. That is correct. It is that's what gives you that special definition, which is the the own occupation. Yeah.","start_word":1413,"end_word":1457,"intents":[{"intent":"Explain explanation","confidence_score":0.0056178602}]},{"text":"Now on the next page, you will see your risk profile. Can you see that kind of outlined for you? Yeah.","start_word":1460,"end_word":1480,"intents":[{"intent":"Explain chart","confidence_score":0.008773185}]},{"text":"So we're not making any changes to your risk profile. We kind of discussed that last time.","start_word":1483,"end_word":1499,"intents":[{"intent":"Explain situation","confidence_score":0.024066908}]},{"text":"So we're not making any changes to your risk profile, but I have made some recommendations on changing some of your investments, which I will go through in detail with you. Yes. Yep.","start_word":1543,"end_word":1575,"intents":[{"intent":"Recommend investment changes","confidence_score":0.015817089},{"intent":"Explain recommendation","confidence_score":0.033117525}]},{"text":"So when we are selling and buying selling the investments in super, there are capital gains tax on the earnings. So I also wanna make sure we minimize that as much as possible. Now I Right.","start_word":1771,"end_word":1806,"intents":[{"intent":"Reduce capital gains tax","confidence_score":0.015602874}]},{"text":"also considered, the SMA for you. Do you remember kind of talking about Yeah. that briefly? Yeah.","start_word":1807,"end_word":1823,"intents":[{"intent":"Consider sma","confidence_score":0.17084788},{"intent":"Review sma recommendation","confidence_score":0.0017095832}]},{"text":"also considered, the SMA for you. Do you remember kind of talking about Yeah. that briefly? Yeah. Correct. The BlackRock one. Correct. So I did a lot of research on on that for you. And at the moment, I have not Yeah. recommended the SMA.","start_word":1807,"end_word":1851,"intents":[{"intent":"Evaluate sma recommendation","confidence_score":0.004517045}]},{"text":"also considered, the SMA for you. Do you remember kind of talking about Yeah. that briefly? Yeah. Correct. The BlackRock one. Correct. So I did a lot of research on on that for you. And at the moment, I have not Yeah. recommended the SMA. The reason I haven't is because when I did the comparison, it was a little bit more expensive than what I have recommended. But Mhmm.","start_word":1807,"end_word":1876,"intents":[{"intent":"Evaluate sma benefits","confidence_score":0.0045969347}]},{"text":"Now you will also see on page 13 some advantages and disadvantages and risks with the with the recommendation. So every time we do make a recommendation, there's obviously advantages with it, also some disadvantages to be mindful of, and then the risks are outlined.","start_word":1957,"end_word":2001,"intents":[{"intent":"Understand advantages and disadvantages","confidence_score":0.029698782}]},{"text":"Proposed asset allocation? No. Next page.","start_word":2244,"end_word":2249,"intents":[{"intent":"Analyze asset allocation","confidence_score":0.0041756695}]},{"text":"Could you explain the difference again, the balance difference? What Yes.","start_word":2716,"end_word":2726,"intents":[{"intent":"Educate about tax and balance difference","confidence_score":0.00001563802}]},{"text":"Now underneath that, there is a little disclaimer there for you, and that is just talking about division two nine three.","start_word":2964,"end_word":2984,"intents":[{"intent":"Discuss division two nine three","confidence_score":0.009427328},{"intent":"Discuss division two nine three","confidence_score":0.5266616},{"intent":"Discuss division two nine three","confidence_score":0.47423112},{"intent":"Discuss division two nine three","confidence_score":0.40243313},{"intent":"Discuss division two nine three","confidence_score":0.35254326},{"intent":"Discuss division two nine three","confidence_score":0.3231613},{"intent":"Discuss division two nine three","confidence_score":0.070932314}]},{"text":"Because you are a high income earner. Did you receive that letter last year as well? I might have. Not sure.","start_word":3038,"end_word":3058,"intents":[{"intent":"Address high income earner","confidence_score":0.008890318}]},{"text":"Did you receive that letter last year as well? I might have. Not sure.","start_word":3045,"end_word":3058,"intents":[{"intent":"Acknowledge receipt of letter","confidence_score":0.003410477}]},{"text":"Now underneath that as well, you will also have a bit more outline on the return. So you'll have a twelve month, a three year, and a five year to give you a little bit more, and it still shows you that across all all three time frames, the recommended portfolio has still outperformed your current one in all time frame. Perfect.","start_word":3157,"end_word":3218,"intents":[{"intent":"Highlight portfolio performance","confidence_score":0.09514221}]},{"text":"Now you then have 20% in beta shares Australia 200. So this is the one as well where we kind of we wanted to make sure that if we obviously reduced the Benelong Australian equity, we still wanna make sure you have some exposure to the Australian market as well.","start_word":3538,"end_word":3587,"intents":[{"intent":"Reduce benelong australia equity","confidence_score":0.025323592},{"intent":"Provide market exposure","confidence_score":0.0011969549}]},{"text":"So you're also reducing a lot on gold as well from 17% almost to 10%.","start_word":3770,"end_word":3784,"intents":[{"intent":"Reduce gold on gold","confidence_score":0.03098161},{"intent":"Address gold exposure","confidence_score":0.022115167}]},{"text":"it does still wanna make sure that it aligns with your your risk profile. And because it has gone up quite a bit, which is good, obviously, the prices have have gone up, which which is good.","start_word":3820,"end_word":3856,"intents":[{"intent":"Clarify risk profile","confidence_score":0.017129151}]},{"text":"But, yeah, we don't wanna be too weighted in gold either because the it's more of that kind of can act as both a growth and a defensive. But because we're still targeting and trying to grow your portfolio, we don't want too much allocated to this area as well. We still wanna have it as a foundation in your portfolio, so we still wanna have it about 10%. Yep.","start_word":3858,"end_word":3927,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.0015089096}]},{"text":"So you can see here life, no changes. Income protection, no changes. The only change is PPD. So when we add the 22% tax through the six fifty, it's about 833,333 for you. Reducing it a little bit, and you can also see the price difference at the bottom. So after the tax, it's then reduced to 3,024 and 26 percent. Right.","start_word":4430,"end_word":4491,"intents":[{"intent":"Explain benefits of conservative investment plan","confidence_score":1.9699398e-8}]},{"text":"With this hair, because you now have TPD lower than life and because they cancel each other out if you claim on TPD, it will mean that you have a little bit of extra life if you were to claim on TPD first. Yep.","start_word":4558,"end_word":4601,"intents":[{"intent":"Clarify policy changes","confidence_score":0.01192555}]},{"text":"Again, not changing anything through the income protection that stays exactly the same, and the only change is PPD. So this is the out of pocket expense for the one that you pay for yourself. Again, just changing through TPD to match exactly the same as the one inside, but making Yep. it a little bit cheaper for you. Yep.","start_word":4925,"end_word":4984,"intents":[{"intent":"Understand tpd policy","confidence_score":0.00009209821}]},{"text":"The only thing is the premium for Tal is less because it's calculated on a percentage it. of the premium.","start_word":5275,"end_word":5294,"intents":[{"intent":"Explaining pricing and guidelines","confidence_score":0.00008766918}]},{"text":"The only thing is the premium for Tal is less because it's calculated on a percentage it. of the premium. And because we are reducing Yeah. the Yep. premium, it's less. But there's no increases in the advisory or anything like that. It's exactly the same. Yes.","start_word":5275,"end_word":5321,"intents":[{"intent":"Dedicating a decision on reducing premium","confidence_score":4.098352e-7}]},{"text":"If you are happy to go ahead with the recommendation, I'll just need you to to sign this SOA. I'll get notified, and then I will let the team know to go ahead and make the investment change as well as process that reduction for you.","start_word":5374,"end_word":5419,"intents":[{"intent":"Leaving a message","confidence_score":0.0013894466}]},{"text":"And it saves And, obviously, you a bit it of money.","start_word":5589,"end_word":5599,"intents":[{"intent":"Providing guidance on budgeting","confidence_score":0.000014533646}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Jayesh? Hi. Yes, This is Trisha. Veronica from Equity Financial. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.135910764336586},{"text":"I'm good, Veron. How are you? I'm good. Thank you. I had you booked in this morning just to go over your strategy recommendation.","start_word":18,"end_word":41,"sentiment":"positive","sentiment_score":0.4633343815803528},{"text":"Is now still a good time for you? Yes. Yes. Yep.","start_word":42,"end_word":52,"sentiment":"neutral","sentiment_score":0.24886097013950348},{"text":"Perfect.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.4206525683403015},{"text":"Now just 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. Yeah. That's perfectly fine.","start_word":54,"end_word":86,"sentiment":"neutral","sentiment_score":0.09740646183490752},{"text":"Perfect.","start_word":87,"end_word":87,"sentiment":"positive","sentiment_score":0.4038286507129669},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? My full name is Jayesh Agarwal. Date of birth twenty first September nineteen eighty, and address is 20 Elcon Bay, Point Cook, Victoria 3030.","start_word":88,"end_word":135,"sentiment":"neutral","sentiment_score":0.06969726085662842},{"text":"Perfect. That's exactly what I have here. And thank you so much for confirming everything with your employer as well. That was great.","start_word":136,"end_word":158,"sentiment":"positive","sentiment_score":0.6791086792945862},{"text":"Now I have to send you an email. Do you have access to your emails at the moment? Yes. I do. Yep. Just give me a Perfect. sec. Yep. You just Yep. send me an email? Yes. Yep. I did. Yeah. It Okay. might show from my colleague, Morgan, because he just issued it for me. Yes. Yeah. Perfect. Now if you can click in to the email there for me, you should then see a cover page where it says OQ financial statement of advice. Yeah. Student advice. Yeah. That's the first Yep. one. Yep. Mhmm. Perfect. So just so you know as well, so before you click on on the link, if you wanna go back later, you will have a couple of attachments included. That is just for for research. So, like, your appendix or the links to the investments and stuff like that, it's all there for you if you do wanna have a read over that in your own time as well. Yep.","start_word":159,"end_word":326,"sentiment":"neutral","sentiment_score":0.11718929558992386},{"text":"Perfect.","start_word":327,"end_word":327,"sentiment":"positive","sentiment_score":0.3410378098487854},{"text":"Now I've done some research, obviously, from our last conversation in regards to your super and specifically your investments to see if there was anything we can do to kind of change things a little bit for you and improve kind of the returns moving forward. And then also getting those quotes to reduce your total permanent disability insurance. You remember that conversation and everything? Yes. Yes. Yep.","start_word":328,"end_word":395,"sentiment":"neutral","sentiment_score":0.1479950100183487},{"text":"Great. Perfect. So today is just kind of putting that that recommendation in here for you.","start_word":396,"end_word":411,"sentiment":"positive","sentiment_score":0.4541187286376953},{"text":"Every time we do make a recommendation, we have to put everything in a statement of advice so that you are completely across everything and you fully understand it. So a lot of it is just the compliance. So I'll tryna go through this as quickly as I can for you and just kind of cover the main point. But if at any point in time we go through things and you're not sure, just interrupt me and let me know. Sure. Yep. Perfect. Now you will see on the cover page here, you will see my details as well. So I am authorized under OPU Financial. You will also have my authorized representative number listed there and, obviously, all our contact details and everything like that on the cover page. Now on the second page there for me, you will see the best interest duty are duty outlined again. Can you see that? Mhmm. Yep. Yep. Perfect. So, basically, this just means that we have to act in your best interest at all times, and the advice itself has to put you in a better position as a result of the advice. Yep.","start_word":412,"end_word":605,"sentiment":"neutral","sentiment_score":0.12604786455631256},{"text":"Otherwise, I can't actually make the recommendation. And if I don't act in your best interest, then I will lose my license. And if I lose my license, I will lose my job, and my husband at home will be too happy with me.","start_word":606,"end_word":649,"sentiment":"negative","sentiment_score":-0.49520084261894226},{"text":"Yeah. So there's obviously a lot in place to protect you, essentially. Yep. Yep. Now if Mhmm. you can scroll for me through page three, you should see scope of advice. Global and learns. Yep. Perfect. So, basically, this just kind of outlines the areas we are looking to say. Like I said, pretty straightforward and mainly reviewing your superannuation and your insurances. Now on the next page, you will then see some other goals that you mentioned that we're not making a recommendation on today. So that's, Mhmm. you know, property, potentially looking at investment property down the track and, obviously, some some family holidays. So if it's ever a situation where you do need advice on, you know, cash flow and budgeting to save for anything and stuff like that, just let me know, and we can always book you in for a bit of a catch up. But, otherwise, pretty straightforward today, just basically those super and insurances. Yes. Yep.","start_word":650,"end_word":812,"sentiment":"neutral","sentiment_score":0.031733371271677545},{"text":"Perfect.","start_word":813,"end_word":813,"sentiment":"positive","sentiment_score":0.5020231008529663},{"text":"So if you can kind of scroll through for me, you will see a section just talking about limited advice that basically just refers back through the areas we are scoping in and scoping out. But I also have to let you know that I'm not a legal practitioner, so I can't give you any legal advice. Can definitely refer you on to someone if you do need it. Mhmm. Yep. Yep.","start_word":814,"end_word":885,"sentiment":"neutral","sentiment_score":0.09737400710582732},{"text":"Perfect.","start_word":886,"end_word":886,"sentiment":"positive","sentiment_score":0.3405067026615143},{"text":"Otherwise, if you scroll through, you will see a page where it says about you and then also your lifestyle assets and liabilities. If you can have a quick read over that for me, just to make sure that's up to date or if I need to make any changes in the back end for you. Yeah. That's fine. That's my property. And, obviously, it could have changed a little bit since when we did the fax line, so the rough it is Yep. it's good. Yeah. No. That sounds okay. Yeah. That That's looks fine. good. Current Yep. situation. Yeah. That's okay. Yeah. Yep.","start_word":887,"end_word":991,"sentiment":"neutral","sentiment_score":0.08538801968097687},{"text":"Great.","start_word":992,"end_word":992,"sentiment":"positive","sentiment_score":0.369753897190094},{"text":"Now if you can then scroll to page eight for me, it should say your current superannuation and insurances. Can you see that? Yep. Yeah.","start_word":993,"end_word":1017,"sentiment":"neutral","sentiment_score":0.1239953562617302},{"text":"Perfect.","start_word":1018,"end_word":1018,"sentiment":"positive","sentiment_score":0.3746916651725769},{"text":"So this just outlines your current situation. So it shows here you have 24 account and also your policy. So this shows you what you currently have in place. So you at the moment have life and PPD. So that's about $1,193,512. And then you also have your income protection. So the income protection will pay you a monthly amount of $4,172. You have a four week waiting period and a benefit period through age of 65. Now because this is paid from within superannuation, you do get a a tax rebate of 15%, but the total premium at the moment is 3,551. Yep. Now I did do some research on your policy as well after the last conversation just to check as well how everything was linked for you. And your the way that your policy is currently set up is that your life and the TPD are linked together. So what that means is if you were to claim on TPD, it cancels your life policy. Yep. Yep. I could still change the TPD amount for you to be a little bit less as per kind of your goals, so that was fine. They just said I couldn't have TPD more than life, which is fine because Mhmm. in Yep. this instance, we're Yeah. looking at doing the opposite for you. Yeah. And then Yeah. TPD, when I claim on TPD, it would reduce that amount from life insurance. It would not automatically cancel that. Right? It will reduce Correct. it. At Yeah. the if we if we don't go ahead with the reduction, it will cancel because it's the same amount. But when it's reduced, it will be whatever's left over. But Yeah. let's say right now, if you don't do a change and you claim, obviously, that 1,000,193, it will because it's the same amount at the moment as your life, it will cancel life. Yeah. Yeah. Perfect. No. Now the next page, it just shows you the outside super policy.","start_word":1019,"end_word":1353,"sentiment":"neutral","sentiment_score":-0.04980464840113227},{"text":"You have a split to get some additional benefits, which is great.","start_word":1354,"end_word":1365,"sentiment":"positive","sentiment_score":0.3634134531021118},{"text":"It's the same policy. It's just kind of held inside and outside for for those additional benefits for you. And total premium for the outside portion is a 1,153 on an annual That's page number 10. basis. Right? Yeah. Yeah. Yes. Yes. Correct. Yes. Okay. I Yep. think the definition of DPD in that is own occupation, not any. Correct. That is correct. That is a a a typo in the document. Yeah. That is correct. It is that's what gives you that special definition, which is the the own occupation. Yeah. Yep. Yes. Now on the next page, you will see your risk profile. Can you see that kind of outlined for you? Yeah. Yeah. Yep. So we're not making any changes to your risk profile. We kind of discussed that last time. Mhmm. You came out as a growth investor. It's very suitable for for where you are in terms of your tolerance, but also time frame.","start_word":1366,"end_word":1524,"sentiment":"neutral","sentiment_score":0.08349431479502024},{"text":"You do have plenty of time of your retirement. So it's definitely a good risk allocation for you.","start_word":1525,"end_word":1542,"sentiment":"positive","sentiment_score":0.45908063650131226},{"text":"So we're not making any changes to your risk profile, but I have made some recommendations on changing some of your investments, which I will go through in detail with you. Yes. Yep. Any questions so far? Oh, that's pretty straightforward. No. That's alright. Yep. Yep.","start_word":1543,"end_word":1588,"sentiment":"neutral","sentiment_score":0.13035869598388672},{"text":"Great. Perfect.","start_word":1589,"end_word":1590,"sentiment":"positive","sentiment_score":0.624094545841217},{"text":"Now on the next page, which is page 12, you will see Mhmm. a heading where it outlines the recommendation. So I have recommended that you retain hub twenty four and change your underlying investment. Now what I will show you first is just a table that have all the numbers because it's sometimes easier to see it that way. But, Right. basically, on the next couple of pages, again, I'll let you have a read over this, but this just outlines more in black and white the recommendation and why I have made the recommendation that I have made. So it outlines the best interest duty, which talks about, you know, kind of making sure that we put you in the best position. So I did consider a lot of different options for you. But after I kind of considered all of them, Hub twenty four was the most competitive in terms of fees, investment choices. So I have recommended that you stay in in Hub twenty four, but also from a capital gains point of view as well. So when we are selling and buying selling the investments in super, there are capital gains tax on the earnings. So I also wanna make sure we minimize that as much as possible. Now I Right. also considered, the SMA for you. Do you remember kind of talking about Yeah. that briefly? Yeah. Correct. The BlackRock one. Correct. So I did a lot of research on on that for you. And at the moment, I have not Yeah. recommended the SMA. The reason I haven't is because when I did the comparison, it was a little bit more expensive than what I have recommended. But Mhmm. also looking at historical returns, it wasn't doing as well. So, you know, having slightly higher fees, slightly less return, but then also the capital gains because there was more changes in the investment was a lot higher. Right. So I just couldn't justify that recommendation right now. That's not to say that if things change, we could look at it, but I haven't I haven't made the recommendation through the SMA at this Okay. point anyway for you. Okay. Now you will also see on page 13 some advantages and disadvantages and risks with the with the recommendation. So every time we do make a recommendation, there's obviously advantages with it, also some disadvantages to be mindful of, and then the risks are outlined. So you can kind of see here which which kind of summarize everything in the table when you have a look at it.","start_word":1591,"end_word":2024,"sentiment":"neutral","sentiment_score":0.03091236843817657},{"text":"But one of the advantage is that it is a lot lower investment fee, so you are saving cost. It continues to be in line with your risk profile.","start_word":2025,"end_word":2053,"sentiment":"positive","sentiment_score":0.43335193395614624},{"text":"A disadvantage is the capital gains tax, which, again, I will outline for you. And some risk is that there's always a level of risk associated with any investment option to be mindful of.","start_word":2054,"end_word":2087,"sentiment":"negative","sentiment_score":-0.3829005658626557},{"text":"Yes. So Yep. how is the fee lower investment fees if I stick Yes. with the current portfolio? Exactly. Sorry. What I'll do, actually, I'll scroll down because it makes it easier if, like, you can see the table. But first, if you go to page 14, Yeah. you will see that I did consider another option, which was my north, which is very competitive to hub twenty four.","start_word":2088,"end_word":2156,"sentiment":"neutral","sentiment_score":0.10324571702791296},{"text":"But to do a full sell down through to to swap you to any other super fund because your super has grown since you came on board, which is great.","start_word":2157,"end_word":2186,"sentiment":"positive","sentiment_score":0.39998096227645874},{"text":"The full capital gains tax by doing that would be 4,671. So it was it was quite high. So, obviously, trying to minimize that. So from a numbers point, if you can scroll down first through page 18, Mhmm. it then kind Yes, of shows sir. you like an updated projection. Can you see that okay? Yeah. Proposed asset allocation? No. Next page. Sorry. It sometimes Next factors page. in the the cover page. So at Yeah. the bottom Okay. of The the page. fees comparison. Fees comparison. Correct. Yeah. Okay. Yes. So you can see here the second column, your current situation. Obviously, you have 24, current balance, current fees as well. So you can see your total cost at the moment for everything there is 6,012 in hub twenty four. Now you also have your growth portfolio. Underneath it, you have your five year rolling outwards. So in the last five years, on a yearly basis, averaging it out, your portfolio has done 11.77%. Mhmm. Now on the recommended side, you will then see the change. So you can see here that when looking at investment fees, for example, you can see that the recommended investments are quite a bit cheaper than what you're currently invested in.","start_word":2187,"end_word":2395,"sentiment":"neutral","sentiment_score":0.12107667326927184},{"text":"It's about $675 per year cheaper in investment fees a lot, which does make a pretty big difference.","start_word":2396,"end_word":2413,"sentiment":"positive","sentiment_score":0.397786408662796},{"text":"Is it because primarily because you're switching out the managed funds Correct. from Yes. within the portfolio to move to a more maybe mid More year or passive. something? Correct. Yeah. Yes. That Okay. definitely plays plays a role in it. That is a bit more expensive, and especially if they if they haven't recently outperformed, then, you know, there's no need paying additional fees if they're not then outperforming it in terms of return. Yep. Yep. But that wouldn't necessarily so you're also saying that growth is also increasing to 12.97% for Correct. a five year rolling. Okay. So we're Correct. not compromising on growth. Correct. Exactly. Okay. Yes. No. I didn't want to do that. Yeah. So focusing on fees, so reducing the fees where we can, but exactly like you said, do not wanna compromise on the returns on the investments either.","start_word":2414,"end_word":2558,"sentiment":"neutral","sentiment_score":0.029418303971660547},{"text":"So when you add everything up, obviously, the the slightly less fees as well as physical growth, it does make quite a bit of a difference.","start_word":2559,"end_word":2584,"sentiment":"positive","sentiment_score":0.3591877222061157},{"text":"Now on the top there, before I show you the next page where you see the balance and it says minus 1,373, that is the capital gains tax. Sorry. Which page are you referring to? So still on the same page, Yeah. but at the top of that, where it says balance on the Yeah. first row yep. Yeah. So the only reason it's a difference, it is just because of the tax. So that does fluctuate, obviously, and it's an an estimate when we did it. So it will be around 1,373, but that is obviously a lot less than the full sell down of 4,671. So try to minimize that as much as possible while still making sure we can achieve the other area. Does that make sense? Sorry. Could you explain the difference again, the balance difference? What Yes. is the 1,373? That's the tax that will come out of your superannuation, the capital gains tax on selling some of your investments. Right. So Right. you don't have to pay for it personally. It will be from your superannuation, but that is the the tax on the earnings of your investment in your superannuation. Right. Yep. Okay. Any questions? So we are just switching part of the investment within the super. Right? Not not everything, Correct. I believe. Yeah? Correct. Okay. Which is why it's a lot lower. So for for for reference further up when you have a look at it as well, when I looked at, you know, the my north and other super funds, that would mean we would sell everything. And if we were to sell everything, the tax would be about 4,671, so a lot more.","start_word":2585,"end_word":2868,"sentiment":"neutral","sentiment_score":0.061934617269311994},{"text":"So we obviously kinda minimize swapping as long as they're doing good for you.","start_word":2869,"end_word":2882,"sentiment":"positive","sentiment_score":0.4039531946182251},{"text":"Yep. Yep. Okay. Now on the the next page, you will then see kind of projected outcome for five and ten years. So it then shows you, you know, the difference.","start_word":2883,"end_word":2913,"sentiment":"neutral","sentiment_score":0.25470709800720215},{"text":"So reducing a little bit in fees as well as the improvement in the returns, and that is also factoring in that the tax comes out, it still makes a pretty big difference when we are looking at that five and ten year time frame for you.","start_word":2914,"end_word":2960,"sentiment":"positive","sentiment_score":0.47333765029907227},{"text":"Okay. Yep. Yeah. Now underneath that, there is a little disclaimer there for you, and that is just talking about division two nine three. You probably would have got a letter in the past in regards to that from the ATO and stuff, But it's just a bit of a disclaimer because, obviously, you are on a pretty high income, which is great. But on the downside, it means that you have to pay additional taxes. Sorry. Because you are a high income earner. Did you receive that letter last year as well? I might have. Not sure. Yeah. I'm No. not sure. I don't remember. Yeah. No. That's Might okay. have. So it's it's just there for your information. Because I haven't, in the calculation, taken out the additional 15% tax, Right. and that is just because you can elect to have it paid personally or from superannuation. And so but it's just a there as a disclaimer for you, and that's what Yeah. that is because you you are No. I high. I I think I remember now. I did I did address that Yes. recently Great. through super. Yep. Yeah.","start_word":2961,"end_word":3153,"sentiment":"neutral","sentiment_score":0.007736877728871268},{"text":"Yeah. Perfect. Okay.","start_word":3154,"end_word":3156,"sentiment":"positive","sentiment_score":0.5272000432014465},{"text":"Now underneath that as well, you will also have a bit more outline on the return.","start_word":3157,"end_word":3172,"sentiment":"neutral","sentiment_score":0.2493872344493866},{"text":"So you'll have a twelve month, a three year, and a five year to give you a little bit more, and it still shows you that across all all three time frames, the recommended portfolio has still outperformed your current one in all time frame. Perfect.","start_word":3173,"end_word":3218,"sentiment":"positive","sentiment_score":0.43131157755851746},{"text":"Now if you then wanna scroll up for me, actually, and I'll show you the investments, which is page 15 or 16, it should have investment table. Investments. Yep.","start_word":3219,"end_word":3247,"sentiment":"neutral","sentiment_score":0.1586507111787796},{"text":"Perfect.","start_word":3248,"end_word":3248,"sentiment":"positive","sentiment_score":0.4970768690109253},{"text":"So you can see, obviously, all your investments in the first column, the current weight, how that reflects in the balance, and then the buy and sell. So whatever is in red is what we are selling. Yep. Black Right. is what we are buying, and then the target weight is the percentage we are aiming for and then how that correlates with the dollar value. So, Right. essentially, in So term yes? no. I'm just going through that. So Ben and Ron, we are reducing 100 infrastructure income, beta shares as well. Yep. Yep. So like in beta shares are not doing well, are they? The the the hybrid one, the BetterShares Australian Bank hybrid, it's not too bad, but it's being phased out. So they're actually stopping stopping it. So it's being completely phased out altogether. Right. So it will stop the investment soon. Right. So we are changing that one. So kind of overall, we wanted to focus on keeping you in a growth portfolio, keeping you as diversified as we can Right. while still making sure that we keep the growth up. So, essentially, how the new portfolio has been structured, we are still very much aligning with the core satellite approach to investment. So still focusing on where you have the majority of the funds in what we call your core investment. So these are kind of, you know, the backbones of the portfolio and are mainly those passive index funds. So these are your biggest shareholding. So Right. for example, you will see 30%, which you you kind of already had. You had 26.08 in the iShares S and P 500. You've probably heard of this number four? Yeah. Yeah. Yeah. Yeah.","start_word":3249,"end_word":3536,"sentiment":"neutral","sentiment_score":0.048887992898623146},{"text":"Perfect.","start_word":3537,"end_word":3537,"sentiment":"positive","sentiment_score":0.537480354309082},{"text":"Now you then have 20% in beta shares Australia 200. So this is the one as well where we kind of we wanted to make sure that if we obviously reduced the Benelong Australian equity, we still wanna make sure you have some exposure to the Australian market as well. So but this one here is more of that passive investment. So it does invest still in the 200 largest companies listed on the ASX. You still have all the big companies like Commonwealth and BHP and Woolworths. So that's why that one is 20%. You then have your Bye. your satellite investments. So these are the ones that's a little bit more specialized. They can be a little bit more volatile, and that's why they only represent a smaller portion of the portfolio. But these are also the ones that we can see the biggest growth areas in. So these can be a little bit more targeted to different sectors or regions or assets. So, for example, you have 8% invested in iShares Europe, 5% in Japan, and then you have 8% in Vanguard or Wells. But this one excludes The US because you already have exposure to The US in the ISHES S and P 500. And we don't Yes. wanna have too much in one, you know, market as well. Does that make sense? Yeah. No. Absolutely. Yeah.","start_word":3538,"end_word":3768,"sentiment":"neutral","sentiment_score":0.08547106385231018},{"text":"Perfect.","start_word":3769,"end_word":3769,"sentiment":"positive","sentiment_score":0.3625238537788391},{"text":"So you're also reducing a lot on gold as well from 17% almost to 10%. Yes. Because it was yes. Yes. So we we're doing a gold that has been doing really well, but we also don't want you to be too overweight in gold as well. Yeah. So Right. it does still wanna make sure that it aligns with your your risk profile.","start_word":3770,"end_word":3833,"sentiment":"neutral","sentiment_score":0.19348233938217163},{"text":"And because it has gone up quite a bit, which is good, obviously, the prices have have gone up, which which is good.","start_word":3834,"end_word":3856,"sentiment":"positive","sentiment_score":0.5305197834968567},{"text":"But, yeah, we don't wanna be too weighted in gold either because the it's more of that kind of can act as both a growth and a defensive. But because we're still targeting and trying to grow your portfolio, we don't want too much allocated to this area as well. We still wanna have it as a foundation in your portfolio, so we still wanna have it about 10%. Yep. We're also keeping the beta shift cybersecurity. It is one of those kind of satellite investment I mentioned.","start_word":3857,"end_word":3944,"sentiment":"neutral","sentiment_score":0.16595010459423065},{"text":"Can see a bit of fluctuation with what's going on in the world, but there's a lot of opportunities in this space as well. So having reducing that a little bit to to 5%.","start_word":3945,"end_word":3978,"sentiment":"positive","sentiment_score":0.35039064288139343},{"text":"And then you'll have your defensive just like your fixed interest investment at about 14%, which is basically what we swapped the the bank hybrids for as well for you. Okay. Now now with your investments as well sorry. That's kind of what I mentioned. I have made so in the appendix, which was one of those attachments in the email as well, there is investment links.","start_word":3979,"end_word":4045,"sentiment":"neutral","sentiment_score":0.2222443521022797},{"text":"So all of these investments I have recommended are there for you.","start_word":4046,"end_word":4057,"sentiment":"positive","sentiment_score":0.3872069716453552},{"text":"So if you want to read up on them a little bit more, it's all in there for you as well.","start_word":4058,"end_word":4078,"sentiment":"neutral","sentiment_score":0.322186678647995},{"text":"So all the research and everything is there for you.","start_word":4079,"end_word":4088,"sentiment":"positive","sentiment_score":0.34417104721069336},{"text":"Sure. Yep. Yep. Now, on the the page 16 or 17, you will also see just the cash component outline. Hub twenty four, they do have a minimum of 1.25% that needs to be allocated for for cash, which is also good for, you know, if you have any fees and insurances and stuff like that coming out. It also helps stabilize a little bit, but that is the minimum. We don't wanna have too much in it, obviously, because that won't grow as much. So we just wanna have about the target of that minimum 1.25. Yep. Now then the asset allocation table. So can you see that okay? Yep. Yep. Yep.","start_word":4089,"end_word":4201,"sentiment":"neutral","sentiment_score":0.14869847893714905},{"text":"Perfect.","start_word":4202,"end_word":4202,"sentiment":"positive","sentiment_score":0.6794396638870239},{"text":"So kind of like I said, we're not really making any changes to your risk profile keeping you within a growth one. Now you can see risk profile on the second column, and it just kind of outlines a typical risk profile in growth, your existing portfolio, and then the proposed. So you can see that both are pretty close, but the proposed is reducing a little bit in growth and a little bit more in defensive overall, but still very much kind of aligned in that 80 to 90 range and keeping it consistent there for you. Now if you then want to scroll down to page 20 for me. 20 or 24? Yes. 20. Two zero, please. Yep. On 21. Now before I do go into the insurance change, do you have any other questions on Max the Super and the investments otherwise at this point? No. Not really. No? I'm assuming you have thought through the portfolio distribution and all that. So yeah. That's Yes. that's okay. Yes. Yeah. Yes. Now with your insurances, so, obviously, you mentioned that you wanted to have enough cover to cover the mortgage and then also kind of gross up the tax. So the tax of up to 22% that comes out. So if something were to happen, that will be clear. So this shows you the difference. So you can see here life, no changes. Income protection, no changes. The only change is PPD. So when we add the 22% tax through the six fifty, it's about 833,333 for you. Reducing it a little bit, and you can also see the price difference at the bottom. So after the tax, it's then reduced to 3,024 and 26 percent. Right. So so TBT is going from almost 12 1.2 to $8.30 Mhmm. 3. So that's about $3.53 60 k or less. Life remains income protection remains. And it it won't impact any any sort of definitions or any anything of that No. sort on TPD. Right? No. Yeah. Not changing any structure types or anything like that. Literally just how much you will get. Yeah. With this hair, because you now have TPD lower than life and because they cancel each other out if you claim on TPD, it will mean that you have a little bit of extra life if you were to claim on TPD first. Yep.","start_word":4203,"end_word":4600,"sentiment":"neutral","sentiment_score":0.09616405288478236},{"text":"So you will have about 360,179 left of life if you were to claim on TPD first.","start_word":4601,"end_word":4617,"sentiment":"positive","sentiment_score":0.3387834429740906},{"text":"Right. Yeah. Yep. Does that make sense? Yeah. It makes sense. Yep.","start_word":4618,"end_word":4629,"sentiment":"neutral","sentiment_score":0.25618839263916016},{"text":"Perfect.","start_word":4630,"end_word":4630,"sentiment":"positive","sentiment_score":0.5438609719276428},{"text":"And so you said that $8.33 in case 833 so it it it this will be taxable. Right? The Correct. TV. Sorry. Correct. Okay. So after the tax, it will come down to about that 650 System. Yep. for the mortgage. But it also depends on the age of when you need to claim on it. So if you need to claim on it, if you're over 60, you don't have to pay the tax. But if it's under 60, you have to pay. Right. Yep. Yeah. And now we can obviously keep adjusting these because they do increase with inflation for you, and they do get more expensive with age. So we can always reassess it each year at annual review time as well if you feel like and, also, your mortgage might decrease each year as well. So we can always keep decreasing it if you feel like that's what you want because it's really easy to decrease it. Yeah. Easy to Yep. decrease, but difficult to increase. Yeah. Correct. Yes. So Yeah. just be mindful of that, obviously, that if we decrease it and then you call me in a month and say, do you know what? I wanna change it up to one one. That can be difficult depending on, you know, health and stuff like that. And you have to go through the whole underwriting process again, and they can rewrite the whole policy. So just be a little bit mindful of quite hard sometimes to increase it, easy to decrease. Yep. Okay. Yep. Now on the the second page here, it will then show you the outside linked policy. And, again, there is a typo on the definition.","start_word":4631,"end_word":4914,"sentiment":"neutral","sentiment_score":0.016733866184949875},{"text":"It's definitely an own occupation, so that is correct.","start_word":4915,"end_word":4923,"sentiment":"positive","sentiment_score":0.3741523325443268},{"text":"Yep. Again, not changing anything through the income protection that stays exactly the same, and the only change is PPD. So this is the out of pocket expense for the one that you pay for yourself. Again, just changing through TPD to match exactly the same as the one inside, but making Yep.","start_word":4924,"end_word":4976,"sentiment":"neutral","sentiment_score":0.13287946581840515},{"text":"it a little bit cheaper for you.","start_word":4977,"end_word":4983,"sentiment":"positive","sentiment_score":0.39320993423461914},{"text":"Yep.","start_word":4984,"end_word":4984,"sentiment":"neutral","sentiment_score":0.24184784293174744},{"text":"Yep. Perfect.","start_word":4985,"end_word":4986,"sentiment":"positive","sentiment_score":0.5300337076187134},{"text":"So on the next couple of pages, it basically just outlines the recommendation again, what your goals were in regards to it, also some advantages, disadvantages, and risks, again, to be mindful of, as well as, you know, alternatives considered. Kind of at the end there for you, Jayesh, which is just outline the ongoing services, also some important information as well as then the last bit, which is the remuneration. So that is page 26 or 25 where it says remuneration. Can Renovation. you see that? Yeah. 26. Yeah. Yep. Yep. So there's no changes or increases or anything like that through the advice fees.","start_word":4987,"end_word":5092,"sentiment":"neutral","sentiment_score":0.17427298426628113},{"text":"It stays exactly the same. But if you are happy and you would like to go ahead with the change of investment and reducing those that TPD for you.","start_word":5093,"end_word":5121,"sentiment":"positive","sentiment_score":0.4965561628341675},{"text":"There is no additional fees or charges.","start_word":5122,"end_word":5128,"sentiment":"neutral","sentiment_score":0.2362929731607437},{"text":"It stays exactly the same at 1.65 from superannuation there for you.","start_word":5129,"end_word":5140,"sentiment":"positive","sentiment_score":0.4404005706310272},{"text":"And underneath that, it would just be outlined the the Tel commission. So with the tile insurances, we do get commissions for the policy, but that is tile paying us. It is not you paying us. Before compliances, we have to disclose any commission we receive so that you are fully aware. But, again, that is TAIL paying us, not you paying us. And it's the same for every single insurance provider out there. Right. So this Yes. this one, the line item on tell, is this an annual premium or one soft? Yes. That is an annual premium. Annual. Yeah. Yes. Okay. Yes. Any questions in regards to that? No. I think so you're No. saying it's it's it's exactly the same as what I'm doing currently, so there's no change in Correct. The only thing is the premium for Tal is less because it's calculated on a percentage it. of the premium. And because we are reducing Yeah. the Yep. premium, it's less. But there's no increases in the advisory or anything like that. It's exactly the same. Yes. Okay.","start_word":5141,"end_word":5322,"sentiment":"neutral","sentiment_score":0.08483831478016716},{"text":"Yep. Perfect.","start_word":5323,"end_word":5324,"sentiment":"positive","sentiment_score":0.5525678992271423},{"text":"And then on the the last couple of pages, it just basically outlines the authority to proceed and then how to implement the advice. So, basically, from here, the step will be obviously, take your time. Have a read through everything. If you have any questions, let me know.","start_word":5325,"end_word":5373,"sentiment":"neutral","sentiment_score":0.24871796369552612},{"text":"If you are happy to go ahead with the recommendation, I'll just need you to to sign this SOA.","start_word":5374,"end_word":5392,"sentiment":"positive","sentiment_score":0.3962898254394531},{"text":"I'll get notified, and then I will let the team know to go ahead and make the investment change as well as process that reduction for you. Now I have Yep. also included so if you go to sign, there is a little box where it says if you want to make any changes. So if, for example, you decide that you only want to go ahead with insurance the super recommendation, but you don't Yep. wanna go ahead with insurance, you can actually free type that in the box if you do change your mind or if there's no changes, you can just put NA or a full stop. Whatever is easy for you. Yep. Okay. Yep.","start_word":5393,"end_word":5510,"sentiment":"neutral","sentiment_score":0.1731957048177719},{"text":"Perfect.","start_word":5511,"end_word":5511,"sentiment":"positive","sentiment_score":0.3577950596809387},{"text":"Do you have any other questions before I let you go otherwise, Tejas? No. I think that's No? yeah. No. I think we are not changing the investment. We're keeping with HOP 24, so that's fine. And we're just changing the portfolio makeup. So Yep. Yep. So yeah. pretty That's okay. pretty And then yeah. TPD, I think it makes sense to me to reduce the TPD. I've been just Yep. thinking about it as well. Yeah. And it saves And, obviously, you a bit it of money. reduces the yeah. It reduces the premium as well, annual premium. Yes. So makes sense. Yes. Yep.","start_word":5512,"end_word":5616,"sentiment":"neutral","sentiment_score":0.07122751829170046},{"text":"Perfect. Well, I will let you go. Enjoy the rest of your day.","start_word":5617,"end_word":5629,"sentiment":"positive","sentiment_score":0.7203478813171387},{"text":"Obviously, have a read through it. Like I said, any questions, let me know. If not, if you're happy to proceed, just sign the documents, and the team will get notified. Sure. Sure. If there's anything else that you do need, though, at any point in time, you know, don't hesitate to give me a call or call the office, and we can always book you in for a bit of a catch up. Yeah. No. That's Yep. fine.","start_word":5630,"end_word":5708,"sentiment":"neutral","sentiment_score":0.1909740120172501},{"text":"Thank you so much. Perfect. Yep. No problem at Cheers. all. I look forward to speaking with you soon again. Sure. Thank you. Bye. Thanks. Bye.","start_word":5709,"end_word":5734,"sentiment":"positive","sentiment_score":0.6378161311149597}],"average":{"sentiment":"neutral","sentiment_score":0.10946018748112003}}}}