{"metadata":{"transaction_key":"deprecated","request_id":"019f6329-4486-7e63-b223-9eb55fe0547d","sha256":"364751ed77a8fe848e34843286ab8674cf2f89802f16239101fc2de6f94e99fb","created":"2026-07-15T00:24:39.664Z","duration":1263.8159,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3999,"output_tokens":95},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4386,"output_tokens":4395},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4386,"output_tokens":280}},"results":{"channels":[{"alternatives":[{"transcript":"Morning. This is Veronica from Financial. How are you? That's good. I had you booked in just to kind of pretty quickly today just go through the recommendations, I've made on your for investment. Is still a good time for you? Yeah. Yeah. And how was it? Is it? It's always like that, isn't it? But I will I won't keep you too long this morning. It is pretty straightforward. But before I do kind of go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes as well, just if you could confirm for me your full name, date of birth, and address, please. Mhmm. Yep. Perfect. Now do you have access to your emails this morning? Yes. Okay. I Yeah. Because I saw you signed the under review one. That came through perfect, which is great. And I have about a minute ago sent you a new email just with a recommendation. If you could have a look for me, or do you mean that you're logged out of your email account? If if you can have a quick look at the email and see if that came through. Yeah. Sure. Yes. Is it to your email, or is it the link that's not working? Or is it to, like, your email account? Okay. That's okay. Are you happy for me to kind of go through the most important things? And then when we are not on the phone, hopefully, it works and you can have a have a look at it then. And if you have any questions, you can always give me a callback. Yeah. Okay. Perfect. Now like I said, it is pretty straightforward. The the thing we have looked at is just your super investments, making sure that everything is invested in in the best way possible for you. And if there was any anyone that was underperforming a little bit to then make a change. So just focusing on your superannuation. I have also just included some information in regards to a will and power of attorney for you. It is something I always recommend everyone to consider. So I've just included that information if you do wanna have a bit of a read over it. Otherwise, this recommendation has been tailored specifically for you and your goals and your objective. When you do have a look on the cover page, you will also see my details listed, and you will actually see my authorized representative number. Basically, it's just just my license number, and I am licensed under financial. Yep. Yeah. Now every time we do make a recommendation, we have to follow something that is called the best interest duty. We have to follow that at all times. And, basically, what it means is that we have to act in your best interest at all time and put your needs above anything else. And the recommendation as well has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense? Yep. Yep. Perfect. Now I'll kind of skip through. When you have a have a read through it, you will see it's quite long. It's about 31 pages. A lot of it is just compliant. It is just making sure as well that you understand everything. But what I kind of focus on is when you do have a look at the document, you you will see a table on page 13. This kind of summarizes everything. So it's like a bit of a table with all the numbers and math and everything, and it kind of summarizes the recommendation. So what I have recommended is that we stay in the same super fund. So part of the research is that I considered other options for you because we want to make sure that at all point in time, we have you in the best super fund as well. And things are always changing. So it is good to do research every now and then just to make sure there's not, like, another product out there that's a bit better or more competitive. Does that make sense? Yes. Yeah. So at the moment, I have recommended that you stay with hub twenty four. Now I use hub twenty four for my personal super as well, and it is very competitive when it comes to the fees and investment choices and everything you can do on the platform. So not making any changes there. Now what I have recommended is just some changes to your investments. Now what yeah. So what that actually will look like is that by making the investment changes, it will save you a bit in fees, which is good. So it will save you about $375 a year in investment fees. Yes. So it's a bit cheaper. Yeah. So that's good. Yeah. It it depends on what what's happening. So for for right now, it's great. But let's say if there's another one that comes out in six months or one year or five years, like, if there's another competitor that comes out that's more competitive, we will do the research and making sure that if we do move, it's going to be better for you. So there's nothing stopping us. Like, we are not tied to HUB twenty four at all. So the only goal is making sure that we have you in the super fund that's going to be the best for you. But at the moment, HUB twenty four is very competitive. So it just kind of depends on if there's another one that does come out. But right now on the market, HUB 24 is is very competitive for you. Yes. Yep. Yeah. So by making the little investment change, like I said, it is saving you a little bit of fees, which is great. So I wanted to reduce the fees a little bit. Now the other thing is it's actually improving the investment returns. So your current portfolio, when we are using a five year time frame so we like to use a five year time frame and average it on a yearly basis because it gives us a little bit more certainty of what has happened in the market and the portfolio. Because you can't guarantee, obviously, returns. You can't guarantee what's going to happen in the market and the world. But using a five year time frame gives us a little bit more certainty than if we just look at a twelve month period. Does that make sense? Yeah. Yeah. Perfect. Now your current portfolio, when we are looking at an average yearly return over five years, has performed at 9.95%. So still pretty okay. Yeah. Pretty good. Yeah. But with the recommended, it has performed at 11 point nine one. So a little bit better. A little bit better. Sounds good. Yeah. Now what I have also done is I have kind of projected things forward for five five years until retirement as well to kind of show you the compounding differences of improving returns a little bit and reducing fees, not changing contributions or anything else. It all stays the same, and it does show you that you could be on track to save about $53,905 in five years, which is pretty crazy. Yeah. That's pretty good. Yeah. Now what I have also done for you is I have included the return differences over a longer period of time as well so that you can see it. So when you have a look at the documents, you will see I've compared twelve months, three years, five years, and ten years. And across all of them, the recommended has outperformed your current over all time frames, which is good. Yeah. Perfect. Yeah. Now the one thing I do wanna let you know, so one of the kind of disadvantages with the change is that every time we do make an investment change so when we are selling investments, if they have gone up, there will be something that's called capital gains tax. So, basically, you have to pay tax when you're selling something similar to, like, an investment property. Now that is all within the super environment. So it's not something that you have to pay for personally. It's all taken care of within super. You don't have to declare it when you do tax return or anything like that. It is all just internal within the super environment. But I do wanna let you know that there will be some some capital gains tax with the change. Now, yeah, now I'm trying to keep it as little as possible for you. So it will be around $780 of tax. 780. No. Just one off. Just to make the change. Just one off. Yeah. So which which is not too bad because if I was looking at because I was looking at a lot of different options as well. And if I was to change all of your investments, it was going to be about 10,000, which I didn't want. No. Exactly. So part of the research is we do focus on minimizing that tax as much as possible by still making sure we make any necessary changes to your investments to improve your return and your outcome. So so that is pretty good. Now any questions so far, or it all kind of make sense? Makes sense? Yeah. Exactly. Yeah. Now we are not making any change to your risk profile either. So we are keeping it the same as a growth portfolio like we touched on during the annual review. So we are not increasing your risk or increasing fluctuations or anything. We are keeping that the same, literally just changing it's literally just changing one investment for you and then doing a, yeah, and doing a bit of a rebalance. So on page 15, again, later when you have a look through the document, you will see yeah. You will see one. It's another table, and it outlines all your investments. It shows you how much you are currently rated, so, basically, how much you have in each option. And then there's another one where it's called a buy and sell. Basically, what it is, it it I have highlighted in red what we are selling for you, And then black is what we are either keeping in your portfolio or adding. Does that make sense? Yes. Yeah. So the only investments we are completely changing is that Benelung investment I kind of mentioned last time during the annual review. So all your other investments were doing pretty good, but Bennelong was underperforming a little bit. So what I have recommended is that we get out of Bennelong and instead invest in another Australian investment because we want to keep diversification for you. But this one is called BetaShares Australia two hundred. Basically, what it is is that it invests in the 200 largest companies listed in Australia. So you will have all the big banks. You will have Woolworths, CHP, like, all the big companies and very diversified because there's 200. So it's not like you have everything in, like, one option. It's very diversified for you to kind of reducing risk a little bit, but also making sure you don't have all the eggs in one basket. Yeah. Yeah. Now the the other little change, it's just a a rebalance. So it is keeping all your other investments, but it's just kind of shifting how much you have. So, basically, what a rebalance is, it's kind of what it sounds like. It's just kind of adjusting everything back to its original target. So when you have, obviously, investments, some investments go up, some goes down. So what can happen is that some investments, you have a little bit too much in it, which could may mean that you're taking on a little bit more risk than we want. So rebalancing, it basically just means bringing everything back in line into the portfolio and into goals. So it's still keeping those investments. It is just shifting it a little bit. So for example, one of your current investment, which is something that's called cybersecurity, at the moment, you have about 6.71%. It is just shifting it to 7%. Another one you have, it's 28% in I shift. It's just reducing it to 24. So it's pretty straightforward. It's keeping it. Correct. It's just kind of bringing everything back into alignment, kind of, like, resetting it back into what it's supposed to be, if that makes sense. Yep. Yep. Perfect. Now that was basically everything. So it's pretty straightforward, like I said. I have also included just a retirement income calculator for you just to show that if you want to draw when you turn 70 or if you decide earlier to draw that weekly income of about $1,500 per week, it shows you that it is on track to be achievable. So the way things are tracking, it looks like that will be possible for you. And at around age 76, that's when age pension will kick in a little bit for you if you're still eligible. So it will then be kind of supplemented. Yeah. And that is something we can help you with when when time comes. This office is a little while away. But but it does show that you are you are doing pretty good and on track for achieving your goals. And then at about 92, that's when it will just be kind of age pension And the super will kind of be subsided a little bit. But still, obviously, plenty of time until then. And and by the time you're obviously 92, then you probably won't have as much expenses and stuff either. So it is a good kind of check-in and making sure that everything is on track for you. And the last thing I do wanna mention is, again, the fee structure. So like I mentioned during the under review, there is no changes in regards to the fees. It stays exactly the same. There's no additional charges at all for this. So for me to obviously do the research, put together this recommendation, and if you are happy and you want to go ahead with this little change, there is no additional fees or charges at all. It is all just part of that ongoing fee. Yeah. Yeah. Sorry. That's so that is if you work till 70, and then you completely stop working, and you just want to draw an income from your super. So, obviously, when you are working at the moment, your your super gross, you get contributions going into super. And then, obviously, when you wanna retire, you still need an income to live off, and that's when you can utilize your super to to to give you that money. Yeah. And you can take it either as a as a weekly income. You can take it as a fortnightly income, or you can take it completely as a lump sum. It is up to you when you when you do get to that point. So you can choose what you want to do. Yeah. Yeah. Yes. So do you have any questions for me, or that kind of all makes sense? Yeah. Yeah. Yeah. Yeah. Exactly. So, basically, from here, it would be obviously, when when we get off the phone or when you have time, have a look through that email. If you have any questions when you read through it, just give me a call or send me an email, and we can always book in another catch up. But if you do have a read through it and it all makes sense and you are happy with the change to move forward, it will just be to sign the document same as you did the other one. That yeah. That will then automatically come back to me, and that tells me that you are happy with it. And I will let the team know, and we'll go ahead and make that that change for you. Yep. No worries. No worries. Yeah. Oh, good. I'm glad. I'm I'm really glad. And, you know, if there is anything else that you need at any point in time, whatever it might be, don't hesitate to call me. Okay? I'm always here if you need anything. No problem at all. Yeah. No problem. We'll we'll speak soon, and just give me a call if you need anything. No problem. You have a lovely rest of your day. Thank you very much. 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This is Veronica from Financial. How are you? That's good. I had you booked in just to kind of pretty quickly today just go through the recommendations, I've made on your for investment.\n\nIs still a good time for you? Yeah. Yeah. And how was it? Is it?\n\nIt's always like that, isn't it? But I will I won't keep you too long this morning. It is pretty straightforward. But before I do kind of go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.\n\nPerfect. And just for security purposes as well, just if you could confirm for me your full name, date of birth, and address, please. Mhmm. Yep. Perfect.\n\nNow do you have access to your emails this morning? Yes. Okay. I Yeah. Because I saw you signed the under review one.\n\nThat came through perfect, which is great. And I have about a minute ago sent you a new email just with a recommendation. If you could have a look for me, or do you mean that you're logged out of your email account? If if you can have a quick look at the email and see if that came through. Yeah.\n\nSure. Yes. Is it to your email, or is it the link that's not working? Or is it to, like, your email account? Okay.\n\nThat's okay. Are you happy for me to kind of go through the most important things? And then when we are not on the phone, hopefully, it works and you can have a have a look at it then. And if you have any questions, you can always give me a callback. Yeah.\n\nOkay. Perfect. Now like I said, it is pretty straightforward. The the thing we have looked at is just your super investments, making sure that everything is invested in in the best way possible for you. And if there was any anyone that was underperforming a little bit to then make a change.\n\nSo just focusing on your superannuation. I have also just included some information in regards to a will and power of attorney for you. It is something I always recommend everyone to consider. So I've just included that information if you do wanna have a bit of a read over it. Otherwise, this recommendation has been tailored specifically for you and your goals and your objective.\n\nWhen you do have a look on the cover page, you will also see my details listed, and you will actually see my authorized representative number. Basically, it's just just my license number, and I am licensed under financial. Yep. Yeah. Now every time we do make a recommendation, we have to follow something that is called the best interest duty.\n\nWe have to follow that at all times. And, basically, what it means is that we have to act in your best interest at all time and put your needs above anything else. And the recommendation as well has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense?\n\nYep. Yep. Perfect. Now I'll kind of skip through. When you have a have a read through it, you will see it's quite long.\n\nIt's about 31 pages. A lot of it is just compliant. It is just making sure as well that you understand everything. But what I kind of focus on is when you do have a look at the document, you you will see a table on page 13. This kind of summarizes everything.\n\nSo it's like a bit of a table with all the numbers and math and everything, and it kind of summarizes the recommendation. So what I have recommended is that we stay in the same super fund. So part of the research is that I considered other options for you because we want to make sure that at all point in time, we have you in the best super fund as well. And things are always changing. So it is good to do research every now and then just to make sure there's not, like, another product out there that's a bit better or more competitive.\n\nDoes that make sense? Yes. Yeah. So at the moment, I have recommended that you stay with hub twenty four. Now I use hub twenty four for my personal super as well, and it is very competitive when it comes to the fees and investment choices and everything you can do on the platform.\n\nSo not making any changes there. Now what I have recommended is just some changes to your investments. Now what yeah. So what that actually will look like is that by making the investment changes, it will save you a bit in fees, which is good. So it will save you about $375 a year in investment fees.\n\nYes. So it's a bit cheaper. Yeah. So that's good. Yeah.\n\nIt it depends on what what's happening. So for for right now, it's great. But let's say if there's another one that comes out in six months or one year or five years, like, if there's another competitor that comes out that's more competitive, we will do the research and making sure that if we do move, it's going to be better for you. So there's nothing stopping us. Like, we are not tied to HUB twenty four at all.\n\nSo the only goal is making sure that we have you in the super fund that's going to be the best for you. But at the moment, HUB twenty four is very competitive. So it just kind of depends on if there's another one that does come out. But right now on the market, HUB 24 is is very competitive for you. Yes.\n\nYep. Yeah. So by making the little investment change, like I said, it is saving you a little bit of fees, which is great. So I wanted to reduce the fees a little bit. Now the other thing is it's actually improving the investment returns.\n\nSo your current portfolio, when we are using a five year time frame so we like to use a five year time frame and average it on a yearly basis because it gives us a little bit more certainty of what has happened in the market and the portfolio. Because you can't guarantee, obviously, returns. You can't guarantee what's going to happen in the market and the world. But using a five year time frame gives us a little bit more certainty than if we just look at a twelve month period. Does that make sense?\n\nYeah. Yeah. Perfect. Now your current portfolio, when we are looking at an average yearly return over five years, has performed at 9.95%. So still pretty okay.\n\nYeah. Pretty good. Yeah. But with the recommended, it has performed at 11 point nine one. So a little bit better.\n\nA little bit better. Sounds good. Yeah. Now what I have also done is I have kind of projected things forward for five five years until retirement as well to kind of show you the compounding differences of improving returns a little bit and reducing fees, not changing contributions or anything else. It all stays the same, and it does show you that you could be on track to save about $53,905 in five years, which is pretty crazy.\n\nYeah. That's pretty good. Yeah. Now what I have also done for you is I have included the return differences over a longer period of time as well so that you can see it. So when you have a look at the documents, you will see I've compared twelve months, three years, five years, and ten years.\n\nAnd across all of them, the recommended has outperformed your current over all time frames, which is good. Yeah. Perfect. Yeah. Now the one thing I do wanna let you know, so one of the kind of disadvantages with the change is that every time we do make an investment change so when we are selling investments, if they have gone up, there will be something that's called capital gains tax.\n\nSo, basically, you have to pay tax when you're selling something similar to, like, an investment property. Now that is all within the super environment. So it's not something that you have to pay for personally. It's all taken care of within super. You don't have to declare it when you do tax return or anything like that.\n\nIt is all just internal within the super environment. But I do wanna let you know that there will be some some capital gains tax with the change. Now, yeah, now I'm trying to keep it as little as possible for you. So it will be around $780 of tax. 780.\n\nNo. Just one off. Just to make the change. Just one off. Yeah.\n\nSo which which is not too bad because if I was looking at because I was looking at a lot of different options as well. And if I was to change all of your investments, it was going to be about 10,000, which I didn't want. No. Exactly. So part of the research is we do focus on minimizing that tax as much as possible by still making sure we make any necessary changes to your investments to improve your return and your outcome.\n\nSo so that is pretty good. Now any questions so far, or it all kind of make sense? Makes sense? Yeah. Exactly.\n\nYeah. Now we are not making any change to your risk profile either. So we are keeping it the same as a growth portfolio like we touched on during the annual review. So we are not increasing your risk or increasing fluctuations or anything. We are keeping that the same, literally just changing it's literally just changing one investment for you and then doing a, yeah, and doing a bit of a rebalance.\n\nSo on page 15, again, later when you have a look through the document, you will see yeah. You will see one. It's another table, and it outlines all your investments. It shows you how much you are currently rated, so, basically, how much you have in each option. And then there's another one where it's called a buy and sell.\n\nBasically, what it is, it it I have highlighted in red what we are selling for you, And then black is what we are either keeping in your portfolio or adding. Does that make sense? Yes. Yeah. So the only investments we are completely changing is that Benelung investment I kind of mentioned last time during the annual review.\n\nSo all your other investments were doing pretty good, but Bennelong was underperforming a little bit. So what I have recommended is that we get out of Bennelong and instead invest in another Australian investment because we want to keep diversification for you. But this one is called BetaShares Australia two hundred. Basically, what it is is that it invests in the 200 largest companies listed in Australia. So you will have all the big banks.\n\nYou will have Woolworths, CHP, like, all the big companies and very diversified because there's 200. So it's not like you have everything in, like, one option. It's very diversified for you to kind of reducing risk a little bit, but also making sure you don't have all the eggs in one basket. Yeah. Yeah.\n\nNow the the other little change, it's just a a rebalance. So it is keeping all your other investments, but it's just kind of shifting how much you have. So, basically, what a rebalance is, it's kind of what it sounds like. It's just kind of adjusting everything back to its original target. So when you have, obviously, investments, some investments go up, some goes down.\n\nSo what can happen is that some investments, you have a little bit too much in it, which could may mean that you're taking on a little bit more risk than we want. So rebalancing, it basically just means bringing everything back in line into the portfolio and into goals. So it's still keeping those investments. It is just shifting it a little bit. So for example, one of your current investment, which is something that's called cybersecurity, at the moment, you have about 6.71%.\n\nIt is just shifting it to 7%. Another one you have, it's 28% in I shift. It's just reducing it to 24. So it's pretty straightforward. It's keeping it.\n\nCorrect. It's just kind of bringing everything back into alignment, kind of, like, resetting it back into what it's supposed to be, if that makes sense. Yep. Yep. Perfect.\n\nNow that was basically everything. So it's pretty straightforward, like I said. I have also included just a retirement income calculator for you just to show that if you want to draw when you turn 70 or if you decide earlier to draw that weekly income of about $1,500 per week, it shows you that it is on track to be achievable. So the way things are tracking, it looks like that will be possible for you. And at around age 76, that's when age pension will kick in a little bit for you if you're still eligible.\n\nSo it will then be kind of supplemented. Yeah. And that is something we can help you with when when time comes. This office is a little while away. But but it does show that you are you are doing pretty good and on track for achieving your goals.\n\nAnd then at about 92, that's when it will just be kind of age pension And the super will kind of be subsided a little bit. But still, obviously, plenty of time until then. And and by the time you're obviously 92, then you probably won't have as much expenses and stuff either. So it is a good kind of check-in and making sure that everything is on track for you. And the last thing I do wanna mention is, again, the fee structure.\n\nSo like I mentioned during the under review, there is no changes in regards to the fees. It stays exactly the same. There's no additional charges at all for this. So for me to obviously do the research, put together this recommendation, and if you are happy and you want to go ahead with this little change, there is no additional fees or charges at all. It is all just part of that ongoing fee.\n\nYeah. Yeah. Sorry. That's so that is if you work till 70, and then you completely stop working, and you just want to draw an income from your super. So, obviously, when you are working at the moment, your your super gross, you get contributions going into super.\n\nAnd then, obviously, when you wanna retire, you still need an income to live off, and that's when you can utilize your super to to to give you that money. Yeah. And you can take it either as a as a weekly income. You can take it as a fortnightly income, or you can take it completely as a lump sum. It is up to you when you when you do get to that point.\n\nSo you can choose what you want to do. Yeah. Yeah. Yes. So do you have any questions for me, or that kind of all makes sense?\n\nYeah. Yeah. Yeah. Yeah. Exactly.\n\nSo, basically, from here, it would be obviously, when when we get off the phone or when you have time, have a look through that email. If you have any questions when you read through it, just give me a call or send me an email, and we can always book in another catch up. But if you do have a read through it and it all makes sense and you are happy with the change to move forward, it will just be to sign the document same as you did the other one. That yeah. That will then automatically come back to me, and that tells me that you are happy with it.\n\nAnd I will let the team know, and we'll go ahead and make that that change for you. Yep. No worries. No worries. Yeah.\n\nOh, good. I'm glad. I'm I'm really glad. And, you know, if there is anything else that you need at any point in time, whatever it might be, don't hesitate to call me. Okay?\n\nI'm always here if you need anything. No problem at all. Yeah. No problem. We'll we'll speak soon, and just give me a call if you need anything.\n\nNo problem. You have a lovely rest of your day. Thank you very much. Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":3.6799998,"end":4.0,"sentiment":"neutral","sentiment_score":0.07110963761806488},{"text":"This is Veronica from Financial.","start":4.0,"end":5.54,"sentiment":"neutral","sentiment_score":0.10100486576557159},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.11159594108661015},{"text":"That's good.","start":8.96,"end":9.86,"sentiment":"positive","sentiment_score":0.7069711685180664},{"text":"I had you booked in just to kind of pretty quickly today just go through the recommendations, I've made on your for investment.","start":10.8,"end":18.365,"sentiment":"neutral","sentiment_score":0.2847505956888199}],"sentiment":"neutral","sentiment_score":0.2610037596348454,"num_words":34,"start":3.6799998,"end":18.365},{"sentences":[{"text":"Is still a good time for you?","start":18.665,"end":20.285,"sentiment":"neutral","sentiment_score":0.2980061524680683},{"text":"Yeah.","start":21.465,"end":21.965,"sentiment":"neutral","sentiment_score":0.04029613360762596},{"text":"Yeah.","start":24.265,"end":24.665,"sentiment":"neutral","sentiment_score":0.0572490431368351},{"text":"And how was it?","start":24.665,"end":25.965,"sentiment":"neutral","sentiment_score":0.05802183039486408},{"text":"Is it?","start":28.19,"end":28.93,"sentiment":"neutral","sentiment_score":0.015637828037142754}],"sentiment":"neutral","sentiment_score":0.1631300814449787,"num_words":15,"start":18.665,"end":28.93},{"sentences":[{"text":"It's always like that, isn't it?","start":29.95,"end":31.470001,"sentiment":"neutral","sentiment_score":-0.0069724516943097115},{"text":"But I will I won't keep you too long this morning.","start":31.470001,"end":34.510002,"sentiment":"neutral","sentiment_score":0.05189360745928504},{"text":"It is pretty straightforward.","start":34.510002,"end":35.97,"sentiment":"neutral","sentiment_score":0.2462972290813923},{"text":"But before I do kind of go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":37.95,"end":46.935,"sentiment":"neutral","sentiment_score":-0.03854226041585207},{"text":"Yep.","start":49.155,"end":49.655,"sentiment":"neutral","sentiment_score":0.14486032724380493}],"sentiment":"neutral","sentiment_score":0.00966877698038633,"num_words":52,"start":29.95,"end":49.655},{"sentences":[{"text":"Perfect.","start":49.715,"end":50.215,"sentiment":"neutral","sentiment_score":0.32504552602767944},{"text":"And just for security purposes as well, just if you could confirm for me your full name, date of birth, and address, please.","start":50.435,"end":58.91,"sentiment":"neutral","sentiment_score":0.12381748498781868},{"text":"Mhmm.","start":62.489998,"end":62.989998,"sentiment":"neutral","sentiment_score":0.028984125703573227},{"text":"Yep.","start":73.465,"end":73.945,"sentiment":"neutral","sentiment_score":0.08937810361385345},{"text":"Perfect.","start":73.945,"end":74.445,"sentiment":"neutral","sentiment_score":0.2280029058456421}],"sentiment":"neutral","sentiment_score":0.13034121540409546,"num_words":27,"start":49.715,"end":74.445},{"sentences":[{"text":"Now do you have access to your emails this morning?","start":75.065,"end":77.965,"sentiment":"neutral","sentiment_score":0.044127255119383334},{"text":"Yes.","start":79.64,"end":80.14,"sentiment":"neutral","sentiment_score":-0.015510867349803448},{"text":"Okay.","start":85.4,"end":85.9,"sentiment":"neutral","sentiment_score":0.012350686825811865},{"text":"I Yeah.","start":86.439995,"end":91.335,"sentiment":"neutral","sentiment_score":0.058544435538351536},{"text":"Because I saw you signed the under review one.","start":91.335,"end":93.814995,"sentiment":"neutral","sentiment_score":0.11032619741227892}],"sentiment":"neutral","sentiment_score":0.06731030515030674,"num_words":23,"start":75.065,"end":93.814995},{"sentences":[{"text":"That came through perfect, which is great.","start":93.814995,"end":96.235,"sentiment":"positive","sentiment_score":0.4120211473533085},{"text":"And I have about a minute ago sent you a new email just with a recommendation.","start":96.935,"end":103.755,"sentiment":"neutral","sentiment_score":0.02783567167352885},{"text":"If you could have a look for me, or do you mean that you're logged out of your email account?","start":104.215,"end":109.25,"sentiment":"neutral","sentiment_score":-0.026590898586437105},{"text":"If if you can have a quick look at the email and see if that came through.","start":112.99,"end":117.89,"sentiment":"neutral","sentiment_score":-0.0129166280522066},{"text":"Yeah.","start":121.805,"end":122.205,"sentiment":"neutral","sentiment_score":-0.004332780838012695}],"sentiment":"neutral","sentiment_score":0.04219320243926811,"num_words":61,"start":93.814995,"end":122.205},{"sentences":[{"text":"Sure.","start":122.205,"end":122.705,"sentiment":"neutral","sentiment_score":0.0017646439373493197},{"text":"Yes.","start":133.58,"end":134.08,"sentiment":"neutral","sentiment_score":-0.012476049363613129},{"text":"Is it to your email, or is it the link that's not working?","start":154.39499,"end":159.51999,"sentiment":"neutral","sentiment_score":-0.08281660194580372},{"text":"Or is it to, like, your email account?","start":159.58,"end":161.51999,"sentiment":"neutral","sentiment_score":-0.054306891513988376},{"text":"Okay.","start":169.09999,"end":169.59999,"sentiment":"neutral","sentiment_score":0.09496229141950609}],"sentiment":"neutral","sentiment_score":-0.059450836308921375,"num_words":24,"start":122.205,"end":169.59999},{"sentences":[{"text":"That's okay.","start":170.05501,"end":170.795,"sentiment":"neutral","sentiment_score":0.2726951986551285},{"text":"Are you happy for me to kind of go through the most important things?","start":171.255,"end":175.495,"sentiment":"positive","sentiment_score":0.6117683968373707},{"text":"And then when we are not on the phone, hopefully, it works and you can have a have a look at it then.","start":175.495,"end":179.975,"sentiment":"positive","sentiment_score":0.37947285304898803},{"text":"And if you have any questions, you can always give me a callback.","start":179.975,"end":182.63501,"sentiment":"neutral","sentiment_score":0.09248903021216393},{"text":"Yeah.","start":182.695,"end":182.935,"sentiment":"neutral","sentiment_score":0.09189147502183914}],"sentiment":"positive","sentiment_score":0.3609862724705687,"num_words":53,"start":170.05501,"end":182.935},{"sentences":[{"text":"Okay.","start":182.935,"end":183.435,"sentiment":"neutral","sentiment_score":0.14636264741420746},{"text":"Perfect.","start":183.495,"end":183.995,"sentiment":"positive","sentiment_score":0.5248203277587891},{"text":"Now like I said, it is pretty straightforward.","start":185.77,"end":189.31,"sentiment":"neutral","sentiment_score":0.3233965151011944},{"text":"The the thing we have looked at is just your super investments, making sure that everything is invested in in the best way possible for you.","start":189.85,"end":200.485,"sentiment":"neutral","sentiment_score":0.326846834558707},{"text":"And if there was any anyone that was underperforming a little bit to then make a change.","start":200.545,"end":205.92499,"sentiment":"neutral","sentiment_score":-0.020691706415484932}],"sentiment":"neutral","sentiment_score":0.21518139217822058,"num_words":53,"start":182.935,"end":205.92499},{"sentences":[{"text":"So just focusing on your superannuation.","start":206.78499,"end":209.84499,"sentiment":"neutral","sentiment_score":0.19214902321497598},{"text":"I have also just included some information in regards to a will and power of attorney for you.","start":211.105,"end":218.54,"sentiment":"neutral","sentiment_score":0.21014570030901167},{"text":"It is something I always recommend everyone to consider.","start":218.92,"end":222.54,"sentiment":"positive","sentiment_score":0.36916818221410114},{"text":"So I've just included that information if you do wanna have a bit of a read over it.","start":222.76,"end":227.5,"sentiment":"neutral","sentiment_score":0.2775653650363286},{"text":"Otherwise, this recommendation has been tailored specifically for you and your goals and your objective.","start":229.505,"end":235.605,"sentiment":"neutral","sentiment_score":0.319847963253657}],"sentiment":"neutral","sentiment_score":0.27351403642784466,"num_words":66,"start":206.78499,"end":235.605},{"sentences":[{"text":"When you do have a look on the cover page, you will also see my details listed, and you will actually see my authorized representative number.","start":237.025,"end":245.29001,"sentiment":"neutral","sentiment_score":0.11381613663755931},{"text":"Basically, it's just just my license number, and I am licensed under financial.","start":245.91,"end":250.01001,"sentiment":"neutral","sentiment_score":0.06932887950768837},{"text":"Yep.","start":252.87001,"end":253.37001,"sentiment":"neutral","sentiment_score":0.30840858817100525},{"text":"Yeah.","start":253.99501,"end":254.395,"sentiment":"neutral","sentiment_score":0.1604558527469635},{"text":"Now every time we do make a recommendation, we have to follow something that is called the best interest duty.","start":254.395,"end":262.39502,"sentiment":"neutral","sentiment_score":0.08261252790689469}],"sentiment":"neutral","sentiment_score":0.09805918008577628,"num_words":61,"start":237.025,"end":262.39502},{"sentences":[{"text":"We have to follow that at all times.","start":262.39502,"end":264.655,"sentiment":"neutral","sentiment_score":0.1355108767747879},{"text":"And, basically, what it means is that we have to act in your best interest at all time and put your needs above anything else.","start":265.275,"end":275.28,"sentiment":"neutral","sentiment_score":0.12911312013864518},{"text":"And the recommendation as well has to put you in a better position as a result of the advice.","start":276.13998,"end":283.645,"sentiment":"neutral","sentiment_score":-0.011541421476163362},{"text":"Otherwise, I can't actually make the recommendation.","start":283.645,"end":285.905,"sentiment":"neutral","sentiment_score":-0.17829371988773346},{"text":"Does that make sense?","start":286.685,"end":287.745,"sentiment":"neutral","sentiment_score":0.030522369779646397}],"sentiment":"neutral","sentiment_score":0.04708986427812349,"num_words":63,"start":262.39502,"end":287.745},{"sentences":[{"text":"Yep.","start":289.005,"end":289.505,"sentiment":"neutral","sentiment_score":0.04408254474401474},{"text":"Yep.","start":290.045,"end":290.525,"sentiment":"neutral","sentiment_score":0.0920240432024002},{"text":"Perfect.","start":290.525,"end":291.025,"sentiment":"neutral","sentiment_score":0.2767248749732971},{"text":"Now I'll kind of skip through.","start":291.565,"end":293.085,"sentiment":"neutral","sentiment_score":-0.002206330601438822},{"text":"When you have a have a read through it, you will see it's quite long.","start":293.085,"end":295.87997,"sentiment":"neutral","sentiment_score":-0.015156835317611694}],"sentiment":"neutral","sentiment_score":0.007176706231120988,"num_words":24,"start":289.005,"end":295.87997},{"sentences":[{"text":"It's about 31 pages.","start":295.87997,"end":297.58,"sentiment":"neutral","sentiment_score":0.10470433905720711},{"text":"A lot of it is just compliant.","start":298.28,"end":300.13998,"sentiment":"neutral","sentiment_score":0.2040098181792668},{"text":"It is just making sure as well that you understand everything.","start":300.91998,"end":304.53998,"sentiment":"neutral","sentiment_score":0.11993204734542152},{"text":"But what I kind of focus on is when you do have a look at the document, you you will see a table on page 13.","start":305.24,"end":314.795,"sentiment":"neutral","sentiment_score":0.08209145026138195},{"text":"This kind of summarizes everything.","start":315.735,"end":317.975,"sentiment":"neutral","sentiment_score":0.11755169183015823}],"sentiment":"neutral","sentiment_score":0.1110995239666048,"num_words":53,"start":295.87997,"end":317.975},{"sentences":[{"text":"So it's like a bit of a table with all the numbers and math and everything, and it kind of summarizes the recommendation.","start":317.975,"end":324.38,"sentiment":"neutral","sentiment_score":0.10298004147151242},{"text":"So what I have recommended is that we stay in the same super fund.","start":324.92,"end":330.38,"sentiment":"neutral","sentiment_score":0.16126991010137967},{"text":"So part of the research is that I considered other options for you because we want to make sure that at all point in time, we have you in the best super fund as well.","start":330.44,"end":340.89502,"sentiment":"neutral","sentiment_score":0.29989327575479235},{"text":"And things are always changing.","start":341.195,"end":342.795,"sentiment":"neutral","sentiment_score":0.05867295190691948},{"text":"So it is good to do research every now and then just to make sure there's not, like, another product out there that's a bit better or more competitive.","start":342.795,"end":350.255,"sentiment":"neutral","sentiment_score":0.016357715016809004}],"sentiment":"neutral","sentiment_score":0.1499087060538103,"num_words":106,"start":317.975,"end":350.255},{"sentences":[{"text":"Does that make sense?","start":350.47998,"end":351.71555,"sentiment":"neutral","sentiment_score":0.05938406474888325},{"text":"Yes.","start":351.71555,"end":352.13333,"sentiment":"neutral","sentiment_score":0.1193997636437416},{"text":"Yeah.","start":352.13333,"end":352.55112,"sentiment":"neutral","sentiment_score":0.1786123663187027},{"text":"So at the moment, I have recommended that you stay with hub twenty four.","start":352.55112,"end":357.91998,"sentiment":"neutral","sentiment_score":0.2746877649000713},{"text":"Now I use hub twenty four for my personal super as well, and it is very competitive when it comes to the fees and investment choices and everything you can do on the platform.","start":357.91998,"end":369.645,"sentiment":"positive","sentiment_score":0.4501194261452731}],"sentiment":"positive","sentiment_score":0.36454143678700485,"num_words":54,"start":350.47998,"end":369.645},{"sentences":[{"text":"So not making any changes there.","start":370.185,"end":373.00497,"sentiment":"neutral","sentiment_score":-0.002410518626372022},{"text":"Now what I have recommended is just some changes to your investments.","start":373.065,"end":379.16498,"sentiment":"neutral","sentiment_score":0.10940730882187684},{"text":"Now what yeah.","start":380.75998,"end":382.84,"sentiment":"neutral","sentiment_score":0.15645944575468698},{"text":"So what that actually will look like is that by making the investment changes, it will save you a bit in fees, which is good.","start":382.84,"end":394.53998,"sentiment":"neutral","sentiment_score":0.2936444926261902},{"text":"So it will save you about $375 a year in investment fees.","start":395.11502,"end":403.77502,"sentiment":"positive","sentiment_score":0.38644351561864215}],"sentiment":"neutral","sentiment_score":0.2370040936973588,"num_words":58,"start":370.185,"end":403.77502},{"sentences":[{"text":"Yes.","start":406.715,"end":407.215,"sentiment":"neutral","sentiment_score":0.2586785554885864},{"text":"So it's a bit cheaper.","start":407.355,"end":408.655,"sentiment":"positive","sentiment_score":0.3522265315055847},{"text":"Yeah.","start":410.77,"end":411.16998,"sentiment":"positive","sentiment_score":0.3667528033256531},{"text":"So that's good.","start":411.16998,"end":412.15,"sentiment":"positive","sentiment_score":0.5242024560769399},{"text":"Yeah.","start":418.69,"end":419.19,"sentiment":"neutral","sentiment_score":0.09327813982963562}],"sentiment":"positive","sentiment_score":0.36840450221841986,"num_words":11,"start":406.715,"end":419.19},{"sentences":[{"text":"It it depends on what what's happening.","start":425.025,"end":431.20502,"sentiment":"neutral","sentiment_score":-0.01615367510489055},{"text":"So for for right now, it's great.","start":431.345,"end":433.845,"sentiment":"neutral","sentiment_score":0.22531036181109293},{"text":"But let's say if there's another one that comes out in six months or one year or five years, like, if there's another competitor that comes out that's more competitive, we will do the research and making sure that if we do move, it's going to be better for you.","start":434.38998,"end":451.465,"sentiment":"neutral","sentiment_score":0.12321512692142278},{"text":"So there's nothing stopping us.","start":451.465,"end":453.385,"sentiment":"neutral","sentiment_score":0.23707280158996583},{"text":"Like, we are not tied to HUB twenty four at all.","start":453.385,"end":456.845,"sentiment":"neutral","sentiment_score":0.20816816118630496}],"sentiment":"neutral","sentiment_score":0.13875083667517174,"num_words":80,"start":425.025,"end":456.845},{"sentences":[{"text":"So the only goal is making sure that we have you in the super fund that's going to be the best for you.","start":457.225,"end":462.685,"sentiment":"positive","sentiment_score":0.38991990426312323},{"text":"But at the moment, HUB twenty four is very competitive.","start":463.34,"end":466.0,"sentiment":"neutral","sentiment_score":0.28437218219041827},{"text":"So it just kind of depends on if there's another one that does come out.","start":467.58,"end":471.44,"sentiment":"neutral","sentiment_score":0.1554764325420062},{"text":"But right now on the market, HUB 24 is is very competitive for you.","start":471.58,"end":475.91998,"sentiment":"neutral","sentiment_score":0.32093520888260435},{"text":"Yes.","start":477.615,"end":478.095,"sentiment":"neutral","sentiment_score":0.3276009261608124}],"sentiment":"neutral","sentiment_score":0.3010273009302124,"num_words":63,"start":457.225,"end":478.095},{"sentences":[{"text":"Yep.","start":478.095,"end":478.595,"sentiment":"positive","sentiment_score":0.4022376537322998},{"text":"Yeah.","start":479.855,"end":480.355,"sentiment":"positive","sentiment_score":0.3882872462272644},{"text":"So by making the little investment change, like I said, it is saving you a little bit of fees, which is great.","start":481.135,"end":487.29498,"sentiment":"positive","sentiment_score":0.44894292002374475},{"text":"So I wanted to reduce the fees a little bit.","start":487.29498,"end":489.79498,"sentiment":"positive","sentiment_score":0.3519932240247726},{"text":"Now the other thing is it's actually improving the investment returns.","start":490.44,"end":495.02002,"sentiment":"positive","sentiment_score":0.4571335965936834}],"sentiment":"positive","sentiment_score":0.4270149098502265,"num_words":45,"start":478.095,"end":495.02002},{"sentences":[{"text":"So your current portfolio, when we are using a five year time frame so we like to use a five year time frame and average it on a yearly basis because it gives us a little bit more certainty of what has happened in the market and the portfolio.","start":495.96002,"end":513.84503,"sentiment":"neutral","sentiment_score":0.20447091834277523},{"text":"Because you can't guarantee, obviously, returns.","start":514.545,"end":517.18,"sentiment":"neutral","sentiment_score":0.07129725689689319},{"text":"You can't guarantee what's going to happen in the market and the world.","start":517.18,"end":521.04,"sentiment":"neutral","sentiment_score":0.07758219826679963},{"text":"But using a five year time frame gives us a little bit more certainty than if we just look at a twelve month period.","start":521.42,"end":528.72,"sentiment":"neutral","sentiment_score":0.10137717891484499},{"text":"Does that make sense?","start":528.77997,"end":529.92,"sentiment":"neutral","sentiment_score":0.0781169906258583}],"sentiment":"neutral","sentiment_score":0.1479265351469318,"num_words":96,"start":495.96002,"end":529.92},{"sentences":[{"text":"Yeah.","start":530.84503,"end":531.085,"sentiment":"neutral","sentiment_score":0.11211469769477844},{"text":"Yeah.","start":531.085,"end":531.405,"sentiment":"neutral","sentiment_score":0.2595478594303131},{"text":"Perfect.","start":531.405,"end":531.905,"sentiment":"positive","sentiment_score":0.5557924509048462},{"text":"Now your current portfolio, when we are looking at an average yearly return over five years, has performed at 9.95%.","start":532.685,"end":543.905,"sentiment":"neutral","sentiment_score":0.3150849178433418},{"text":"So still pretty okay.","start":544.205,"end":545.585,"sentiment":"neutral","sentiment_score":0.2965442016720772}],"sentiment":"neutral","sentiment_score":0.311678895243892,"num_words":27,"start":530.84503,"end":545.585},{"sentences":[{"text":"Yeah.","start":547.22003,"end":547.72003,"sentiment":"neutral","sentiment_score":0.17004640400409698},{"text":"Pretty good.","start":548.42,"end":549.16,"sentiment":"positive","sentiment_score":0.4171612560749054},{"text":"Yeah.","start":549.62,"end":550.12,"sentiment":"neutral","sentiment_score":0.15106990933418274},{"text":"But with the recommended, it has performed at 11 point nine one.","start":550.58,"end":556.02,"sentiment":"neutral","sentiment_score":0.07006101341297229},{"text":"So a little bit better.","start":556.02,"end":557.32,"sentiment":"neutral","sentiment_score":0.1222558468580246}],"sentiment":"neutral","sentiment_score":0.12416429622542291,"num_words":21,"start":547.22003,"end":557.32},{"sentences":[{"text":"A little bit better.","start":558.835,"end":559.815,"sentiment":"neutral","sentiment_score":0.21537961438298225},{"text":"Sounds good.","start":561.155,"end":562.055,"sentiment":"positive","sentiment_score":0.5370549708604813},{"text":"Yeah.","start":562.835,"end":563.335,"sentiment":"neutral","sentiment_score":0.189011350274086},{"text":"Now what I have also done is I have kind of projected things forward for five five years until retirement as well to kind of show you the compounding differences of improving returns a little bit and reducing fees, not changing contributions or anything else.","start":563.955,"end":585.37,"sentiment":"neutral","sentiment_score":0.18809076237181824},{"text":"It all stays the same, and it does show you that you could be on track to save about $53,905 in five years, which is pretty crazy.","start":585.37,"end":597.83496,"sentiment":"positive","sentiment_score":0.43454209052854115}],"sentiment":"neutral","sentiment_score":0.28254886709530896,"num_words":79,"start":558.835,"end":597.83496},{"sentences":[{"text":"Yeah.","start":599.89496,"end":600.295,"sentiment":"positive","sentiment_score":0.4377064108848572},{"text":"That's pretty good.","start":600.295,"end":601.595,"sentiment":"positive","sentiment_score":0.6536853512128195},{"text":"Yeah.","start":602.07996,"end":602.57996,"sentiment":"neutral","sentiment_score":0.28816020488739014},{"text":"Now what I have also done for you is I have included the return differences over a longer period of time as well so that you can see it.","start":603.2,"end":611.7,"sentiment":"neutral","sentiment_score":0.13718957299816198},{"text":"So when you have a look at the documents, you will see I've compared twelve months, three years, five years, and ten years.","start":611.76,"end":620.315,"sentiment":"neutral","sentiment_score":0.11527420013495114}],"sentiment":"neutral","sentiment_score":0.16345134893791718,"num_words":57,"start":599.89496,"end":620.315},{"sentences":[{"text":"And across all of them, the recommended has outperformed your current over all time frames, which is good.","start":620.85504,"end":628.47504,"sentiment":"positive","sentiment_score":0.34268136819203693},{"text":"Yeah.","start":630.29504,"end":630.79504,"sentiment":"positive","sentiment_score":0.4041367769241333},{"text":"Perfect.","start":631.77,"end":632.27,"sentiment":"positive","sentiment_score":0.4704245924949646},{"text":"Yeah.","start":633.85,"end":634.35,"sentiment":"neutral","sentiment_score":0.08793650567531586},{"text":"Now the one thing I do wanna let you know, so one of the kind of disadvantages with the change is that every time we do make an investment change so when we are selling investments, if they have gone up, there will be something that's called capital gains tax.","start":634.65,"end":653.835,"sentiment":"neutral","sentiment_score":-0.13879227235913277}],"sentiment":"neutral","sentiment_score":0.0026922378111893025,"num_words":71,"start":620.85504,"end":653.835},{"sentences":[{"text":"So, basically, you have to pay tax when you're selling something similar to, like, an investment property.","start":653.895,"end":659.515,"sentiment":"neutral","sentiment_score":-0.10679743921055514},{"text":"Now that is all within the super environment.","start":661.64996,"end":664.55,"sentiment":"neutral","sentiment_score":-0.007726551266387105},{"text":"So it's not something that you have to pay for personally.","start":664.69,"end":667.91,"sentiment":"neutral","sentiment_score":0.0395521799271757},{"text":"It's all taken care of within super.","start":668.61,"end":671.32996,"sentiment":"neutral","sentiment_score":0.12582544024501527},{"text":"You don't have to declare it when you do tax return or anything like that.","start":671.32996,"end":675.43,"sentiment":"neutral","sentiment_score":0.012867540493607521}],"sentiment":"neutral","sentiment_score":-0.006353512213661753,"num_words":58,"start":653.895,"end":675.43},{"sentences":[{"text":"It is all just internal within the super environment.","start":675.575,"end":680.235,"sentiment":"neutral","sentiment_score":0.021293216074506443},{"text":"But I do wanna let you know that there will be some some capital gains tax with the change.","start":680.855,"end":687.675,"sentiment":"neutral","sentiment_score":0.0036003283764186656},{"text":"Now, yeah, now I'm trying to keep it as little as possible for you.","start":688.455,"end":693.18,"sentiment":"neutral","sentiment_score":0.04644957643800548},{"text":"So it will be around $780 of tax.","start":694.04,"end":698.54,"sentiment":"neutral","sentiment_score":0.014047593111172318},{"text":"780.","start":700.44,"end":702.06,"sentiment":"neutral","sentiment_score":-0.011839537881314754}],"sentiment":"neutral","sentiment_score":0.01982118550907163,"num_words":51,"start":675.575,"end":702.06},{"sentences":[{"text":"No.","start":705.26495,"end":705.58496,"sentiment":"neutral","sentiment_score":-0.057725612074136734},{"text":"Just one off.","start":705.58496,"end":706.625,"sentiment":"neutral","sentiment_score":-0.05085804685950279},{"text":"Just to make the change.","start":706.625,"end":708.005,"sentiment":"neutral","sentiment_score":-0.013709691166877747},{"text":"Just one off.","start":708.225,"end":709.345,"sentiment":"neutral","sentiment_score":-0.024269033844272297},{"text":"Yeah.","start":709.345,"end":709.845,"sentiment":"neutral","sentiment_score":-0.016591910272836685}],"sentiment":"neutral","sentiment_score":-0.028326709253283646,"num_words":13,"start":705.26495,"end":709.845},{"sentences":[{"text":"So which which is not too bad because if I was looking at because I was looking at a lot of different options as well.","start":710.225,"end":715.82495,"sentiment":"neutral","sentiment_score":-0.07407486066222191},{"text":"And if I was to change all of your investments, it was going to be about 10,000, which I didn't want.","start":715.82495,"end":722.37,"sentiment":"neutral","sentiment_score":-0.1368717168058668},{"text":"No.","start":724.19,"end":724.69,"sentiment":"negative","sentiment_score":-0.5234023332595825},{"text":"Exactly.","start":726.43,"end":726.93,"sentiment":"neutral","sentiment_score":-0.06360070407390594},{"text":"So part of the research is we do focus on minimizing that tax as much as possible by still making sure we make any necessary changes to your investments to improve your return and your outcome.","start":727.07,"end":741.30505,"sentiment":"neutral","sentiment_score":0.0895239216172033}],"sentiment":"neutral","sentiment_score":-0.02488475510229667,"num_words":84,"start":710.225,"end":741.30505},{"sentences":[{"text":"So so that is pretty good.","start":742.005,"end":743.765,"sentiment":"positive","sentiment_score":0.6556609272956848},{"text":"Now any questions so far, or it all kind of make sense?","start":743.765,"end":747.465,"sentiment":"neutral","sentiment_score":0.13242075592279434},{"text":"Makes sense?","start":750.22003,"end":750.96,"sentiment":"neutral","sentiment_score":0.050010332837700844},{"text":"Yeah.","start":751.66003,"end":752.16003,"sentiment":"neutral","sentiment_score":0.13421928882598877},{"text":"Exactly.","start":754.14,"end":754.64,"sentiment":"neutral","sentiment_score":0.06756477057933807}],"sentiment":"neutral","sentiment_score":0.26476451636038045,"num_words":22,"start":742.005,"end":754.64},{"sentences":[{"text":"Yeah.","start":756.78,"end":757.28,"sentiment":"neutral","sentiment_score":0.035689763724803925},{"text":"Now we are not making any change to your risk profile either.","start":757.82,"end":762.16003,"sentiment":"neutral","sentiment_score":-0.12285965587943792},{"text":"So we are keeping it the same as a growth portfolio like we touched on during the annual review.","start":762.225,"end":767.44495,"sentiment":"neutral","sentiment_score":0.07483851203792974},{"text":"So we are not increasing your risk or increasing fluctuations or anything.","start":767.665,"end":771.985,"sentiment":"neutral","sentiment_score":-0.023159058454136055},{"text":"We are keeping that the same, literally just changing it's literally just changing one investment for you and then doing a, yeah, and doing a bit of a rebalance.","start":771.985,"end":783.22003,"sentiment":"neutral","sentiment_score":0.1689994841300208}],"sentiment":"neutral","sentiment_score":0.06310112274264636,"num_words":73,"start":756.78,"end":783.22003},{"sentences":[{"text":"So on page 15, again, later when you have a look through the document, you will see yeah.","start":784.08,"end":790.495,"sentiment":"neutral","sentiment_score":0.09523532291253407},{"text":"You will see one.","start":791.035,"end":792.255,"sentiment":"neutral","sentiment_score":0.09101981110870838},{"text":"It's another table, and it outlines all your investments.","start":792.39496,"end":796.175,"sentiment":"neutral","sentiment_score":0.12581229706605276},{"text":"It shows you how much you are currently rated, so, basically, how much you have in each option.","start":796.875,"end":802.975,"sentiment":"neutral","sentiment_score":0.11917948929799928},{"text":"And then there's another one where it's called a buy and sell.","start":803.75,"end":807.69,"sentiment":"neutral","sentiment_score":0.07160833291709423}],"sentiment":"neutral","sentiment_score":0.10188781201350884,"num_words":61,"start":784.08,"end":807.69},{"sentences":[{"text":"Basically, what it is, it it I have highlighted in red what we are selling for you, And then black is what we are either keeping in your portfolio or adding.","start":808.23,"end":820.745,"sentiment":"neutral","sentiment_score":0.05939337527078967},{"text":"Does that make sense?","start":820.805,"end":821.945,"sentiment":"neutral","sentiment_score":0.051651942543685436},{"text":"Yes.","start":822.885,"end":823.385,"sentiment":"neutral","sentiment_score":0.06412811577320099},{"text":"Yeah.","start":824.085,"end":824.485,"sentiment":"neutral","sentiment_score":0.03997348994016647},{"text":"So the only investments we are completely changing is that Benelung investment I kind of mentioned last time during the annual review.","start":824.485,"end":832.76,"sentiment":"neutral","sentiment_score":-0.05157916933636774}],"sentiment":"neutral","sentiment_score":0.01724003870987286,"num_words":59,"start":808.23,"end":832.76},{"sentences":[{"text":"So all your other investments were doing pretty good, but Bennelong was underperforming a little bit.","start":833.14,"end":839.39996,"sentiment":"neutral","sentiment_score":-0.15300559671595693},{"text":"So what I have recommended is that we get out of Bennelong and instead invest in another Australian investment because we want to keep diversification for you.","start":839.62,"end":851.395,"sentiment":"neutral","sentiment_score":-0.004493795887187675},{"text":"But this one is called BetaShares Australia two hundred.","start":851.935,"end":856.755,"sentiment":"neutral","sentiment_score":0.07389424037602213},{"text":"Basically, what it is is that it invests in the 200 largest companies listed in Australia.","start":858.06,"end":866.88,"sentiment":"neutral","sentiment_score":0.08898534486070275},{"text":"So you will have all the big banks.","start":867.1,"end":869.27997,"sentiment":"neutral","sentiment_score":0.07849663283559494}],"sentiment":"neutral","sentiment_score":0.001939009308300324,"num_words":76,"start":833.14,"end":869.27997},{"sentences":[{"text":"You will have Woolworths, CHP, like, all the big companies and very diversified because there's 200.","start":870.105,"end":877.325,"sentiment":"neutral","sentiment_score":0.19714397098869085},{"text":"So it's not like you have everything in, like, one option.","start":877.385,"end":880.605,"sentiment":"neutral","sentiment_score":0.17620114440267737},{"text":"It's very diversified for you to kind of reducing risk a little bit, but also making sure you don't have all the eggs in one basket.","start":881.145,"end":889.01,"sentiment":"neutral","sentiment_score":0.26245707359451514},{"text":"Yeah.","start":891.15,"end":891.65,"sentiment":"positive","sentiment_score":0.4305499792098999},{"text":"Yeah.","start":891.87,"end":892.37,"sentiment":"neutral","sentiment_score":0.22623947262763977}],"sentiment":"neutral","sentiment_score":0.22860344526442614,"num_words":55,"start":870.105,"end":892.37},{"sentences":[{"text":"Now the the other little change, it's just a a rebalance.","start":893.87,"end":898.05005,"sentiment":"neutral","sentiment_score":0.01602862972173501},{"text":"So it is keeping all your other investments, but it's just kind of shifting how much you have.","start":898.395,"end":904.015,"sentiment":"neutral","sentiment_score":0.008749529046730863},{"text":"So, basically, what a rebalance is, it's kind of what it sounds like.","start":904.315,"end":909.435,"sentiment":"neutral","sentiment_score":0.046890732617332384},{"text":"It's just kind of adjusting everything back to its original target.","start":909.435,"end":915.97003,"sentiment":"neutral","sentiment_score":0.0414308678697456},{"text":"So when you have, obviously, investments, some investments go up, some goes down.","start":916.43,"end":921.49,"sentiment":"neutral","sentiment_score":-0.0546263585296961}],"sentiment":"neutral","sentiment_score":0.010439134234647181,"num_words":66,"start":893.87,"end":921.49},{"sentences":[{"text":"So what can happen is that some investments, you have a little bit too much in it, which could may mean that you're taking on a little bit more risk than we want.","start":921.79004,"end":932.395,"sentiment":"neutral","sentiment_score":-0.22353212049964702},{"text":"So rebalancing, it basically just means bringing everything back in line into the portfolio and into goals.","start":934.055,"end":941.74005,"sentiment":"neutral","sentiment_score":0.10948551779010278},{"text":"So it's still keeping those investments.","start":941.74005,"end":943.60004,"sentiment":"neutral","sentiment_score":0.1189730583379666},{"text":"It is just shifting it a little bit.","start":944.06,"end":946.46,"sentiment":"neutral","sentiment_score":0.07810457376763225},{"text":"So for example, one of your current investment, which is something that's called cybersecurity, at the moment, you have about 6.71%.","start":946.46,"end":956.48004,"sentiment":"neutral","sentiment_score":0.03273489095625423}],"sentiment":"neutral","sentiment_score":-0.04104939439772245,"num_words":85,"start":921.79004,"end":956.48004},{"sentences":[{"text":"It is just shifting it to 7%.","start":956.565,"end":958.825,"sentiment":"neutral","sentiment_score":0.029182879520314082},{"text":"Another one you have, it's 28% in I shift.","start":959.765,"end":963.765,"sentiment":"neutral","sentiment_score":0.13773820714818108},{"text":"It's just reducing it to 24.","start":963.765,"end":965.605,"sentiment":"neutral","sentiment_score":0.1462251072128614},{"text":"So it's pretty straightforward.","start":965.605,"end":966.905,"sentiment":"neutral","sentiment_score":0.28208787739276886},{"text":"It's keeping it.","start":966.965,"end":968.105,"sentiment":"neutral","sentiment_score":0.08400378624598186}],"sentiment":"neutral","sentiment_score":0.1276426735366213,"num_words":29,"start":956.565,"end":968.105},{"sentences":[{"text":"Correct.","start":969.54004,"end":970.04004,"sentiment":"neutral","sentiment_score":0.1638510376214981},{"text":"It's just kind of bringing everything back into alignment, kind of, like, resetting it back into what it's supposed to be, if that makes 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weekly income of about $1,500 per week, it shows you that it is on track to be achievable.","start":988.935,"end":1011.325,"sentiment":"positive","sentiment_score":0.4171270042657852},{"text":"So the way things are tracking, it looks like that will be possible for you.","start":1011.945,"end":1015.965,"sentiment":"positive","sentiment_score":0.6365760445594788},{"text":"And at around age 76, that's when age pension will kick in a little bit for you if you're still eligible.","start":1016.265,"end":1024.99,"sentiment":"neutral","sentiment_score":0.22925045305774325}],"sentiment":"positive","sentiment_score":0.39899373234354185,"num_words":98,"start":982.77496,"end":1024.99},{"sentences":[{"text":"So it will then be kind of supplemented.","start":1026.01,"end":1027.79,"sentiment":"neutral","sentiment_score":0.23974266275763512},{"text":"Yeah.","start":1028.25,"end":1028.75,"sentiment":"neutral","sentiment_score":0.32113969326019287},{"text":"And that is something we can help you with when when time comes.","start":1029.13,"end":1032.81,"sentiment":"neutral","sentiment_score":0.31869328022003174},{"text":"This office is a little while away.","start":1032.81,"end":1034.51,"sentiment":"neutral","sentiment_score":0.032502496881144385},{"text":"But but it does show that you are you are doing pretty good and on track for achieving your goals.","start":1035.4501,"end":1042.245,"sentiment":"positive","sentiment_score":0.6469810619950295}],"sentiment":"positive","sentiment_score":0.39896392563776095,"num_words":49,"start":1026.01,"end":1042.245},{"sentences":[{"text":"And then at about 92, that's when it will just be kind of age pension And the super will kind of be subsided a little bit.","start":1042.7849,"end":1052.2999,"sentiment":"neutral","sentiment_score":0.10853923226778324},{"text":"But still, obviously, plenty of time until then.","start":1052.2999,"end":1054.46,"sentiment":"neutral","sentiment_score":0.22425664961338043},{"text":"And and by the time you're obviously 92, then you probably won't have as much expenses and stuff either.","start":1054.46,"end":1060.72,"sentiment":"neutral","sentiment_score":0.28720363190299586},{"text":"So it is a good kind of check-in and making sure that everything is on track for you.","start":1064.0651,"end":1069.045,"sentiment":"positive","sentiment_score":0.678958899445004},{"text":"And the last thing I do wanna mention is, again, the fee structure.","start":1069.8251,"end":1074.005,"sentiment":"neutral","sentiment_score":0.24687443673610687}],"sentiment":"neutral","sentiment_score":0.3036139298762594,"num_words":84,"start":1042.7849,"end":1074.005},{"sentences":[{"text":"So like I mentioned during the under review, there is no changes in regards to the fees.","start":1074.0651,"end":1079.0801,"sentiment":"neutral","sentiment_score":0.23685919887879314},{"text":"It stays exactly the same.","start":1079.0801,"end":1080.76,"sentiment":"positive","sentiment_score":0.42057701349258425},{"text":"There's no additional charges at all for this.","start":1080.76,"end":1083.9,"sentiment":"neutral","sentiment_score":0.31569363735616207},{"text":"So for me to obviously do the research, put together this recommendation, and if you are happy and you want to go ahead with this little change, there is no additional fees or charges at all.","start":1084.2001,"end":1095.195,"sentiment":"positive","sentiment_score":0.41100195029543507},{"text":"It is all just part of that ongoing fee.","start":1095.195,"end":1098.1749,"sentiment":"neutral","sentiment_score":0.26690259244706893}],"sentiment":"positive","sentiment_score":0.3447097878654798,"num_words":75,"start":1074.0651,"end":1098.1749},{"sentences":[{"text":"Yeah.","start":1101.195,"end":1101.695,"sentiment":"neutral","sentiment_score":0.18696469068527224},{"text":"Yeah.","start":1102.475,"end":1102.975,"sentiment":"neutral","sentiment_score":0.08134288340806961},{"text":"Sorry.","start":1103.2749,"end":1103.6749,"sentiment":"neutral","sentiment_score":-0.059523846954107285},{"text":"That's so that is if you work till 70, and then you completely stop working, and you just want to draw an income from your super.","start":1103.6749,"end":1120.635,"sentiment":"neutral","sentiment_score":-0.11160395179803555},{"text":"So, obviously, when you are working at the moment, your your super gross, you get contributions going into super.","start":1120.635,"end":1127.855,"sentiment":"neutral","sentiment_score":0.07602801556257825}],"sentiment":"neutral","sentiment_score":-0.02600805674834798,"num_words":48,"start":1101.195,"end":1127.855},{"sentences":[{"text":"And then, obviously, when you wanna retire, you still need an income to live off, and that's when you can utilize your super to to to give you that money.","start":1128.235,"end":1137.52,"sentiment":"neutral","sentiment_score":0.1402784784945349},{"text":"Yeah.","start":1139.74,"end":1140.24,"sentiment":"neutral","sentiment_score":0.1297537237405777},{"text":"And you can take it either as a as a weekly income.","start":1140.38,"end":1143.74,"sentiment":"neutral","sentiment_score":0.12452738359570503},{"text":"You can take it as a fortnightly income, or you can take it completely as a lump sum.","start":1143.74,"end":1148.875,"sentiment":"neutral","sentiment_score":0.11496026834679975},{"text":"It is up to you when you when you do get to that point.","start":1148.875,"end":1151.835,"sentiment":"neutral","sentiment_score":0.16501385825020926}],"sentiment":"neutral","sentiment_score":0.13615887369960547,"num_words":75,"start":1128.235,"end":1151.835},{"sentences":[{"text":"So you can choose what you want to do.","start":1151.835,"end":1153.7549,"sentiment":"neutral","sentiment_score":0.14962474173969692},{"text":"Yeah.","start":1153.7549,"end":1154.2549,"sentiment":"neutral","sentiment_score":0.1146404966711998},{"text":"Yeah.","start":1156.075,"end":1156.575,"sentiment":"neutral","sentiment_score":0.0049009546637535095},{"text":"Yes.","start":1157.9149,"end":1158.4149,"sentiment":"neutral","sentiment_score":0.07770895212888718},{"text":"So do you have any questions for me, or that kind of all makes sense?","start":1160.5099,"end":1164.61,"sentiment":"neutral","sentiment_score":0.0707228588561217}],"sentiment":"neutral","sentiment_score":0.0964709615541829,"num_words":27,"start":1151.835,"end":1164.61},{"sentences":[{"text":"Yeah.","start":1167.07,"end":1167.57,"sentiment":"neutral","sentiment_score":0.10302713513374329},{"text":"Yeah.","start":1169.71,"end":1170.21,"sentiment":"neutral","sentiment_score":0.01401468925178051},{"text":"Yeah.","start":1177.965,"end":1178.2849,"sentiment":"neutral","sentiment_score":-0.016608286648988724},{"text":"Yeah.","start":1178.2849,"end":1178.7849,"sentiment":"neutral","sentiment_score":-0.03526251018047333},{"text":"Exactly.","start":1180.445,"end":1180.945,"sentiment":"neutral","sentiment_score":0.0449456088244915}],"sentiment":"neutral","sentiment_score":0.02202332727611065,"num_words":5,"start":1167.07,"end":1180.945},{"sentences":[{"text":"So, basically, from here, it would be obviously, when when we get off the phone or when you have time, have a look through that email.","start":1182.5249,"end":1190.91,"sentiment":"neutral","sentiment_score":0.09829050001616661},{"text":"If you have any questions when you read through it, just give me a call or send me an email, and we can always book in another catch up.","start":1191.21,"end":1199.145,"sentiment":"neutral","sentiment_score":0.09736459098499396},{"text":"But if you do have a read through it and it all makes sense and you are happy with the change to move forward, it will just be to sign the document same as you did the other one.","start":1199.305,"end":1211.005,"sentiment":"neutral","sentiment_score":0.2668749755009627},{"text":"That yeah.","start":1211.7201,"end":1212.8401,"sentiment":"neutral","sentiment_score":0.2072412595152855},{"text":"That will then automatically come back to me, and that tells me that you are happy with it.","start":1212.8401,"end":1217.9601,"sentiment":"positive","sentiment_score":0.3853295635845926}],"sentiment":"neutral","sentiment_score":0.20296197234277139,"num_words":114,"start":1182.5249,"end":1217.9601},{"sentences":[{"text":"And I will let the team know, and we'll go ahead and make that that change for you.","start":1217.9601,"end":1222.54,"sentiment":"positive","sentiment_score":0.4874749614132775},{"text":"Yep.","start":1224.135,"end":1224.635,"sentiment":"neutral","sentiment_score":0.232940673828125},{"text":"No worries.","start":1225.0951,"end":1225.8151,"sentiment":"neutral","sentiment_score":0.1606002300977707},{"text":"No worries.","start":1225.8151,"end":1226.375,"sentiment":"neutral","sentiment_score":0.09148605726659298},{"text":"Yeah.","start":1226.375,"end":1226.875,"sentiment":"neutral","sentiment_score":0.12187537550926208}],"sentiment":"positive","sentiment_score":0.4013974137293796,"num_words":24,"start":1217.9601,"end":1226.875},{"sentences":[{"text":"Oh, good.","start":1228.4551,"end":1229.035,"sentiment":"positive","sentiment_score":0.5578487515449524},{"text":"I'm glad.","start":1229.655,"end":1230.295,"sentiment":"positive","sentiment_score":0.6827269494533539},{"text":"I'm I'm really glad.","start":1230.295,"end":1231.415,"sentiment":"positive","sentiment_score":0.5783158652484417},{"text":"And, you know, if there is anything else that you need at any point in time, whatever it might be, don't hesitate to call me.","start":1231.415,"end":1239.0499,"sentiment":"neutral","sentiment_score":0.1297525244951248},{"text":"Okay?","start":1239.0499,"end":1239.37,"sentiment":"neutral","sentiment_score":0.1615603268146515}],"sentiment":"neutral","sentiment_score":0.2411702441818574,"num_words":34,"start":1228.4551,"end":1239.37},{"sentences":[{"text":"I'm always here if you need anything.","start":1239.37,"end":1241.07,"sentiment":"positive","sentiment_score":0.3512212804385594},{"text":"No problem at all.","start":1245.61,"end":1246.83,"sentiment":"neutral","sentiment_score":0.18888196907937527},{"text":"Yeah.","start":1248.09,"end":1248.59,"sentiment":"neutral","sentiment_score":0.3135266900062561},{"text":"No problem.","start":1249.005,"end":1249.645,"sentiment":"neutral","sentiment_score":0.33156609535217285},{"text":"We'll we'll speak soon, and just give me a call if you need anything.","start":1249.645,"end":1252.625,"sentiment":"neutral","sentiment_score":0.2536583308662687}],"sentiment":"neutral","sentiment_score":0.27649829829377787,"num_words":28,"start":1239.37,"end":1252.625},{"sentences":[{"text":"No problem.","start":1255.005,"end":1255.725,"sentiment":"positive","sentiment_score":0.4844247102737427},{"text":"You have a lovely rest of your day.","start":1255.725,"end":1257.665,"sentiment":"positive","sentiment_score":0.7020681202411652},{"text":"Thank you very much.","start":1259.245,"end":1260.465,"sentiment":"positive","sentiment_score":0.648468554019928},{"text":"Bye.","start":1260.685,"end":1261.185,"sentiment":"neutral","sentiment_score":0.2920527458190918}],"sentiment":"positive","sentiment_score":0.631421422958374,"num_words":15,"start":1255.005,"end":1261.185}]}}]},{"alternatives":[{"transcript":"Morning. Good. Good. Yeah. Yeah. Yeah. I just was up I just gave back last night. Maybe. Mhmm. Yeah. Yeah. Yeah. My name is Tagovna Videlfa. My date of birth is 01/23/1967, and I still live in 115 Blacktown Road, 7 Hill in South Wales. Yeah. I did check-in this month. I was there, and then I checked it, but I can't get in there. Yeah. I did check it this morning, and I was signing. I will be signing on it. It. Do you want me to log out? Yeah. It is. Yeah. I'm gonna have to look in on it. Yeah. Where do you want? Can you bring this? Now when I'm on the phone, I think I've when I go on the phone, I can't get in into the the email things. Yeah. Yes. Yeah. Yeah. Yes. Yes. Yes. Yes. Okay. Yeah. That'd be great. Uh-huh. Yes. Mhmm. Yeah. The connection. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. No. Yes. Yes. Gotcha. Yes. Explained to me. Sound sound good for that thing, but, yeah, how long it's gonna be on that if you were on on that platform? Yeah. Yeah. Competitive. They sound good. Mhmm. Yeah. Yeah. I did. I really it's over there. It's pretend. It'd be better. It is. Very grateful. Yeah. Yeah. They sound pretty good. Mhmm. Yeah. Yeah. Mhmm. Yeah. Mhmm. 700. That's for a a yellow. Product one or Mhmm. Mhmm. Yeah. But I don't want that. That's just money worth doing that. No. Yes. It always makes sense when you explain it, you know, that's that's what we work for. You know, you work without one No. That's great. Yeah. Yeah. It's everywhere. Yes. Yes. Yes. Yes. Yes, sir. Mhmm. Yeah. It's great. Yeah. Mhmm. Yeah. Mhmm. Yeah. Yeah. Yeah. Mhmm. Thanks. Yeah. It'd be after dialing. Yeah. Yeah. You see that? Mhmm. Yes. Mhmm. I'll be gold by this. Oh, it was great. But what did you say about 1,500? Meaning every week what the 80 is that? Yeah. Yeah. Yeah. Oh, okay. Oh, oh, okay. Yeah. That's great. That's why I can't understand now. Yeah. That's all makes sense. When you explain it to me, that makes sense. And and I really so I don't put up there. You know? The money was there. Doesn't even go anywhere. You know? I guess you're afraid because it's there. Yeah. Mhmm. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Thank you, Rehondia. I'm getting myself with explaining clearly. Yeah. Thank you. Thank you. Appreciate it for you. Now again, I'm yeah. Thank you, Okay. Thank you, Veronica. Thank you. Have a nice day. Yeah. You too. Bye. Bye. 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Good. Good. Yeah. Yeah.\n\nYeah. I just was up I just gave back last night. Maybe. Mhmm. Yeah.\n\nYeah. Yeah. My name is Tagovna Videlfa. My date of birth is 01/23/1967, and I still live in 115 Blacktown Road, 7 Hill in South Wales. Yeah.\n\nI did check-in this month. I was there, and then I checked it, but I can't get in there. Yeah. I did check it this morning, and I was signing. I will be signing on it.\n\nIt. Do you want me to log out? Yeah. It is. Yeah.\n\nI'm gonna have to look in on it. Yeah. Where do you want? Can you bring this? Now when I'm on the phone, I think I've when I go on the phone, I can't get in into the the email things.\n\nYeah. Yes. Yeah. Yeah. Yes.\n\nYes. Yes. Yes. Okay. Yeah.\n\nThat'd be great. Uh-huh. Yes. Mhmm. Yeah.\n\nThe connection. Yeah. Yeah. Yeah. Yeah.\n\nMhmm. Yeah. No. Yes. Yes.\n\nGotcha. Yes. Explained to me. Sound sound good for that thing, but, yeah, how long it's gonna be on that if you were on on that platform? Yeah.\n\nYeah. Competitive. They sound good. Mhmm. Yeah.\n\nYeah. I did. I really it's over there. It's pretend. It'd be better.\n\nIt is. Very grateful. Yeah. Yeah. They sound pretty good.\n\nMhmm. Yeah. Yeah. Mhmm. Yeah.\n\nMhmm. 700. That's for a a yellow. Product one or Mhmm. Mhmm.\n\nYeah. But I don't want that. That's just money worth doing that. No. Yes.\n\nIt always makes sense when you explain it, you know, that's that's what we work for. You know, you work without one No. That's great. Yeah. Yeah.\n\nIt's everywhere. Yes. Yes. Yes. Yes.\n\nYes, sir. Mhmm. Yeah. It's great. Yeah.\n\nMhmm. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Mhmm. Thanks. Yeah. It'd be after dialing.\n\nYeah. Yeah. You see that? Mhmm. Yes.\n\nMhmm. I'll be gold by this. Oh, it was great. But what did you say about 1,500? Meaning every week what the 80 is that?\n\nYeah. Yeah. Yeah. Oh, okay. Oh, oh, okay.\n\nYeah. That's great. That's why I can't understand now. Yeah. That's all makes sense.\n\nWhen you explain it to me, that makes sense. And and I really so I don't put up there. You know? The money was there. Doesn't even go anywhere.\n\nYou know? I guess you're afraid because it's there. Yeah. Mhmm. Okay.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yes. Thank you, Rehondia. I'm getting myself with explaining clearly. Yeah.\n\nThank you. Thank you. Appreciate it for you. Now again, I'm yeah. Thank you, Okay.\n\nThank you, Veronica. Thank you. Have a nice day. Yeah. You too.\n\nBye. Bye. 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you, Rehondia.","start":1223.26,"end":1224.24,"sentiment":"positive","sentiment_score":0.6145238677660624},{"text":"I'm getting myself with explaining clearly.","start":1224.54,"end":1228.08,"sentiment":"neutral","sentiment_score":0.14245625585317612},{"text":"Yeah.","start":1239.0449,"end":1239.5449,"sentiment":"neutral","sentiment_score":0.14883527159690857}],"sentiment":"neutral","sentiment_score":0.285417294750611,"num_words":12,"start":1212.005,"end":1239.5449},{"sentences":[{"text":"Thank you.","start":1242.4049,"end":1242.965,"sentiment":"positive","sentiment_score":0.6711134910583496},{"text":"Thank you.","start":1242.965,"end":1243.445,"sentiment":"positive","sentiment_score":0.7143729329109192},{"text":"Appreciate it for you.","start":1243.445,"end":1244.85,"sentiment":"positive","sentiment_score":0.7478594928979874},{"text":"Now again, I'm yeah.","start":1245.8099,"end":1247.49,"sentiment":"neutral","sentiment_score":0.16463028639554977},{"text":"Thank you, Okay.","start":1247.49,"end":1253.33,"sentiment":"positive","sentiment_score":0.3810329536596934}],"sentiment":"positive","sentiment_score":0.5042687217394511,"num_words":15,"start":1242.4049,"end":1253.33},{"sentences":[{"text":"Thank you, Veronica.","start":1253.33,"end":1254.23,"sentiment":"positive","sentiment_score":0.6284018357594808},{"text":"Thank you.","start":1254.53,"end":1255.1699,"sentiment":"positive","sentiment_score":0.6762105822563171},{"text":"Have a nice day.","start":1255.1699,"end":1256.3099,"sentiment":"positive","sentiment_score":0.5336537212133408},{"text":"Yeah.","start":1257.851,"end":1258.1709,"sentiment":"positive","sentiment_score":0.414224237203598},{"text":"You too.","start":1258.1709,"end":1258.9109,"sentiment":"positive","sentiment_score":0.3558552712202072}],"sentiment":"positive","sentiment_score":0.5415146946907043,"num_words":12,"start":1253.33,"end":1258.9109},{"sentences":[{"text":"Bye.","start":1259.0509,"end":1259.4509,"sentiment":"neutral","sentiment_score":0.2612263858318329},{"text":"Bye.","start":1259.4509,"end":1259.9509,"sentiment":"positive","sentiment_score":0.3985092639923096},{"text":"Bye.","start":1261.4509,"end":1261.9509,"sentiment":"neutral","sentiment_score":-0.12058693915605544}],"sentiment":"neutral","sentiment_score":0.17971623688936234,"num_words":3,"start":1259.0509,"end":1261.9509}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Morning.\n\nChannel 0: Morning. This is Veronica from Financial. How are you?\n\nChannel 1: Good. Good.\n\nChannel 0: That's good. I had you booked in just to kind of pretty quickly today just go through the recommendations, I've made on your for investment. Is still\n\nChannel 1: Yeah.\n\nChannel 0: a good time for you?\n\nChannel 1: Yeah. Yeah. I just was\n\nChannel 0: Yeah.\n\nChannel 1: up I just gave back last night.\n\nChannel 0: Yeah. And how was it?\n\nChannel 1: Maybe.\n\nChannel 0: Is it? It's always like that, isn't it? But I will I won't keep you too long this morning. It is pretty straightforward.\n\nChannel 1: Mhmm.\n\nChannel 0: But before I do kind of go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Perfect. And just for security purposes as well, just if you could confirm for me your full name, date of birth, and address, please.\n\nChannel 1: My name is Tagovna Videlfa.\n\nChannel 0: Mhmm.\n\nChannel 1: My date of birth is 01/23/1967, and I still live in 115 Blacktown Road, 7 Hill in South Wales.\n\nChannel 0: Yep. Perfect. Now do you have access to your emails this morning?\n\nChannel 1: Yeah. I did check-in\n\nChannel 0: Yes.\n\nChannel 1: this month. I was there, and then I checked it, but I can't get in there.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: I did check it this morning, and I was signing. I will be signing on it.\n\nChannel 0: Yeah. Because I saw you signed the under review one. That came through perfect, which is great. And I\n\nChannel 1: It.\n\nChannel 0: have about a minute ago sent you a new email just with a recommendation. If you could have a look for me, or do you mean that you're logged out of your email account?\n\nChannel 1: Do you want me to log out?\n\nChannel 0: If if you can have a quick look at the email and see if that\n\nChannel 1: Yeah. It\n\nChannel 0: came\n\nChannel 1: is.\n\nChannel 0: through.\n\nChannel 1: Yeah. I'm gonna have to look in on it.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: Yeah. Where do you want? Can you bring this?\n\nChannel 0: Yes. Is it to your email, or is it the link that's not working? Or is it to, like, your email\n\nChannel 1: Now\n\nChannel 0: account?\n\nChannel 1: when I'm on the phone, I think I've when I go on the phone, I can't get in into the the email things.\n\nChannel 0: Okay. That's okay. Are you happy for me to kind of go through the most important things? And then when we are not on the phone, hopefully, it works and you can have a have a look at it then. And if you have any\n\nChannel 1: Yeah.\n\nChannel 0: questions,\n\nChannel 1: Yes.\n\nChannel 0: you can\n\nChannel 1: Yeah.\n\nChannel 0: always\n\nChannel 1: Yeah.\n\nChannel 0: give me a callback. Yeah. Okay.\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Now like I said, it is pretty straightforward. The the thing we have looked at is just your super investments, making sure that everything is invested in in the best way possible for you. And if there was any anyone that was underperforming a little bit to then make a change. So just focusing on your superannuation. I have also just included some information in regards to a will and power of attorney for you.\n\nIt is something I always recommend everyone to consider. So I've just included that information if you do wanna have a bit of a read over it. Otherwise, this recommendation has been tailored specifically for you and your goals and your objective.\n\nChannel 1: Okay.\n\nChannel 0: When you do have a look on the cover page, you will also see my details listed, and you will actually see my authorized representative number. Basically, it's just just my license number, and I am licensed under financial.\n\nChannel 1: Yeah. That'd\n\nChannel 0: Yep.\n\nChannel 1: be great.\n\nChannel 0: Yeah. Now every time we do make a recommendation, we\n\nChannel 1: Uh-huh.\n\nChannel 0: have to follow something that is called the best interest duty. We have to follow that at all times. And, basically, what it means is that we have to act in your best interest at all time and put\n\nChannel 1: Yes.\n\nChannel 0: your needs above anything else.\n\nChannel 1: Mhmm.\n\nChannel 0: And the recommendation as well has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yeah. The connection.\n\nChannel 0: Yep. Yep. Perfect. Now I'll kind of skip through. When you have a have a read through it, you will see it's quite long.\n\nIt's about 31 pages. A lot of it is just compliant.\n\nChannel 1: Yeah.\n\nChannel 0: It is\n\nChannel 1: Yeah.\n\nChannel 0: just making sure as well that you understand everything. But what I kind of focus on is when you do have a look at the document,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you you will see a table on page 13. This kind of summarizes everything. So it's like a bit of a table with all the numbers and math and everything, and it kind\n\nChannel 1: Mhmm.\n\nChannel 0: of summarizes the recommendation. So what I have recommended is that\n\nChannel 1: Yeah.\n\nChannel 0: we stay in the same super fund. So part of the research is that I considered other options for you because we want to make sure that at all point in time, we have you in the best super fund as well. And things are always changing. So it is good to do research every now and then just to make\n\nChannel 1: No.\n\nChannel 0: sure there's not, like, another product out there that's a bit better or more competitive. Does that make sense? Yes.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: So at the moment, I have recommended that you stay with hub twenty four. Now I use hub twenty four for my personal super as well, and it is very competitive when it comes to the fees and investment choices and everything you can do on the platform. So\n\nChannel 1: Gotcha.\n\nChannel 0: not making any changes there. Now what I have recommended is just some changes to your investments. Now what yeah. So what that actually will look like is that by making the investment changes, it will\n\nChannel 1: Yes.\n\nChannel 0: save you a bit in fees, which is good. So it will save you about $375 a year in investment fees. Yes. So it's a bit cheaper. Yeah.\n\nSo that's good.\n\nChannel 1: Explained to me. Sound sound good for that thing,\n\nChannel 0: Yeah.\n\nChannel 1: but, yeah, how long it's gonna be on that if you were on on that platform?\n\nChannel 0: It it depends on what what's happening. So for for right now, it's great. But let's say if there's another one that comes out in six months or one year or five years, like, if there's another competitor that comes out that's more competitive,\n\nChannel 1: Yeah.\n\nChannel 0: we will do the research and making sure that if we do move, it's going to be better for you. So there's nothing stopping us. Like, we are not tied to HUB twenty four at all. So the only goal is making sure that we have you in the super fund that's going to be the best for you. But at the moment, HUB twenty four is very competitive.\n\nChannel 1: Yeah.\n\nChannel 0: So it just kind of depends on if there's another one that does come out. But right now on the market, HUB 24 is is very competitive for you.\n\nChannel 1: Competitive.\n\nChannel 0: Yes. Yep.\n\nChannel 1: They sound good.\n\nChannel 0: Yeah. So by making the little investment change, like I said, it is saving you a little bit of fees, which is great. So I wanted to reduce the fees a little bit. Now the other thing is it's actually improving the investment returns. So your current portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: when we are using a five year time frame so we like to use a five year time frame and average it on a yearly basis because it gives us a little bit more certainty of what has happened in the market and the portfolio. Because you can't guarantee, obviously, returns. You can't guarantee what's going to happen in the market and the world. But using a five year time frame gives us a little bit more certainty than if we just look at a twelve month period. Does that make sense?\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: did.\n\nChannel 0: Yeah. Perfect. Now your current portfolio, when we are looking at an average yearly return over five years, has performed at 9.95%. So still pretty okay.\n\nChannel 1: I really it's over\n\nChannel 0: Yeah. Pretty good. Yeah.\n\nChannel 1: there.\n\nChannel 0: But with the recommended,\n\nChannel 1: It's\n\nChannel 0: it has performed at 11\n\nChannel 1: pretend.\n\nChannel 0: point nine one. So a little bit better.\n\nChannel 1: It'd be better.\n\nChannel 0: A little bit better. Sounds good. Yeah. Now what I have also done is I have kind of projected things forward for five five years until retirement as well to kind of show you the compounding differences of improving returns a little bit and reducing fees, not changing contributions or anything else. It all stays the same, and it does show you that you could be on track to save about $53,905 in five years, which is pretty crazy.\n\nChannel 1: It is.\n\nChannel 0: Yeah.\n\nChannel 1: Very\n\nChannel 0: That's\n\nChannel 1: grateful.\n\nChannel 0: pretty good. Yeah. Now what I have also done for you is I have included the return differences over a longer period of time as well so that you can see it. So when you have a look at the documents, you will\n\nChannel 1: Yeah.\n\nChannel 0: see I've\n\nChannel 1: Yeah.\n\nChannel 0: compared twelve months, three years, five years, and ten years. And across all of them, the recommended has outperformed your current over all time frames, which is good.\n\nChannel 1: They sound pretty\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Perfect. Yeah. Now the one thing I do wanna let you know, so one of the kind of disadvantages with the change\n\nChannel 1: Mhmm.\n\nChannel 0: is that every time we do make an investment change so when we are selling investments, if they have gone up,\n\nChannel 1: Yeah.\n\nChannel 0: there will be something that's called capital gains tax. So, basically, you have to pay tax when you're\n\nChannel 1: Yeah.\n\nChannel 0: selling something similar to, like, an investment property.\n\nChannel 1: Mhmm.\n\nChannel 0: Now that is all within the super environment. So it's not something that you have to pay for personally. It's all taken care of within super. You don't have to declare it when you do tax return or anything like that. It is all\n\nChannel 1: Yeah.\n\nChannel 0: just internal within the super environment. But I do wanna let you know that there will be some\n\nChannel 1: Mhmm.\n\nChannel 0: some capital gains tax with the change. Now, yeah, now I'm trying to keep it as little as possible for you. So it will be around $780 of tax.\n\nChannel 1: 700.\n\nChannel 0: 780.\n\nChannel 1: That's for a a yellow.\n\nChannel 0: No. Just one off. Just to make\n\nChannel 1: Product\n\nChannel 0: the change.\n\nChannel 1: one or\n\nChannel 0: Just one off. Yeah. So which which is not too bad because if I was looking at because I was looking at a lot of different options as well. And if I was to change all of your investments,\n\nChannel 1: Mhmm.\n\nChannel 0: it was going to be about 10,000, which I didn't\n\nChannel 1: Mhmm.\n\nChannel 0: want.\n\nChannel 1: Yeah. But I don't want that. That's just\n\nChannel 0: No.\n\nChannel 1: money worth doing that.\n\nChannel 0: Exactly. So part of the research is we do focus on minimizing that tax as much as possible by still making sure we make any necessary changes to your investments to improve your return\n\nChannel 1: No.\n\nChannel 0: and your outcome. So so that is pretty good. Now any questions so far, or it all kind of make sense?\n\nChannel 1: Yes. It always makes sense when you\n\nChannel 0: Makes\n\nChannel 1: explain\n\nChannel 0: sense?\n\nChannel 1: it, you know, that's\n\nChannel 0: Yeah.\n\nChannel 1: that's what we work for. You know, you work\n\nChannel 0: Exactly.\n\nChannel 1: without one\n\nChannel 0: Yeah. Now we are not making any change to your risk profile either. So we are keeping it the same as a growth portfolio like we touched on during the annual review. So we are not increasing your risk or increasing fluctuations or anything. We are keeping that the same, literally just changing it's literally just changing one investment for you\n\nChannel 1: No. That's\n\nChannel 0: and then\n\nChannel 1: great.\n\nChannel 0: doing a, yeah, and doing a bit of a rebalance. So on page 15, again, later when you have a look through the document,\n\nChannel 1: Yeah. Yeah. It's\n\nChannel 0: you\n\nChannel 1: everywhere.\n\nChannel 0: will see yeah. You will see one. It's another table, and it outlines all your investments. It shows you how much you are currently rated, so, basically, how much you have in each option. And then\n\nChannel 1: Yes.\n\nChannel 0: there's another one where it's called a buy and sell. Basically, what it is, it it I have highlighted in red what\n\nChannel 1: Yes.\n\nChannel 0: we are selling for you, And then black is what we are either keeping in your portfolio or adding. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yes. Yes, sir.\n\nChannel 0: Yeah. So the only investments we are completely changing is that Benelung investment I kind of mentioned last time during the annual review. So all your other investments were doing pretty good, but Bennelong\n\nChannel 1: Mhmm.\n\nChannel 0: was underperforming a little bit. So what I have recommended is that we get out of Bennelong and instead invest in another Australian investment because we want to keep diversification for you. But this one is called BetaShares Australia two hundred. Basically, what it is is that it invests in the 200 largest companies listed in Australia. So you will have all the big banks.\n\nYou will have Woolworths, CHP, like, all the big companies and very diversified because there's 200. So it's not like you have everything in, like, one option. It's very diversified for you to kind of reducing risk a little bit, but also making sure you don't have all the eggs in one basket.\n\nChannel 1: Yeah. It's great.\n\nChannel 0: Yeah. Yeah. Now the the other little change, it's just a a rebalance. So it is keeping all your other investments, but it's just\n\nChannel 1: Yeah.\n\nChannel 0: kind of shifting how much you have. So, basically, what a rebalance is, it's kind of what it sounds like. It's just kind of adjusting everything back to its original target. So when you have, obviously, investments, some investments go up, some\n\nChannel 1: Mhmm.\n\nChannel 0: goes down. So\n\nChannel 1: Yeah.\n\nChannel 0: what can happen is that some investments, you have a little bit too much in it, which could may mean that you're taking on a little bit more risk than we want.\n\nChannel 1: Mhmm. Yeah. Yeah.\n\nChannel 0: So rebalancing, it basically just means bringing everything back in line into the portfolio and into goals. So it's still keeping those investments. It is just shifting it a little bit. So for example, one of your current investment, which is something that's called cybersecurity, at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: you have about 6.71%. It is just shifting it to 7%.\n\nChannel 1: Mhmm.\n\nChannel 0: Another\n\nChannel 1: Thanks.\n\nChannel 0: one you have, it's 28% in I shift. It's just reducing it to 24. So it's pretty straightforward. It's\n\nChannel 1: Yeah.\n\nChannel 0: keeping\n\nChannel 1: It'd\n\nChannel 0: it.\n\nChannel 1: be after dialing.\n\nChannel 0: Correct. It's just kind of bringing everything back into alignment, kind of, like, resetting it back into what it's\n\nChannel 1: Yeah.\n\nChannel 0: supposed to be, if that makes sense.\n\nChannel 1: Yeah. You\n\nChannel 0: Yep.\n\nChannel 1: see that?\n\nChannel 0: Yep. Perfect. Now that was basically everything. So it's pretty straightforward,\n\nChannel 1: Mhmm.\n\nChannel 0: like I said. I have also included just a retirement income calculator for you just to show that if you want to draw when you turn 70 or if you decide earlier\n\nChannel 1: Yes.\n\nChannel 0: to draw that weekly income of about $1,500 per week, it shows you that it is on track to be achievable. So the way things are tracking, it looks like that will be possible for you. And at around age 76,\n\nChannel 1: Mhmm.\n\nChannel 0: that's when age pension will kick in a little bit for you if you're still eligible. So it will then be kind of supplemented. Yeah. And that is something we can help you with when when time comes. This office is a little while away.\n\nBut but it does show that you are you are doing pretty good and on track for achieving your goals. And then at about 92, that's when it will just be kind of age pension And the super will kind of be subsided a little bit. But still, obviously, plenty of time until then. And and by the time you're obviously 92, then you probably won't have as much expenses\n\nChannel 1: I'll\n\nChannel 0: and\n\nChannel 1: be\n\nChannel 0: stuff\n\nChannel 1: gold\n\nChannel 0: either.\n\nChannel 1: by this.\n\nChannel 0: So it is a good kind of check-in and making sure that everything is on track for you. And the last thing I do wanna mention is, again, the fee structure. So like I mentioned during the under review, there is no changes in regards to the fees. It stays exactly the same. There's no additional charges at all for this.\n\nSo for me to obviously do the research, put together this recommendation, and if you are happy and you want to go ahead with this little change, there is no additional fees or charges at all. It is all just part of that ongoing fee.\n\nChannel 1: Oh, it was\n\nChannel 0: Yeah.\n\nChannel 1: great.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Sorry.\n\nChannel 1: what\n\nChannel 0: That's\n\nChannel 1: did you say about 1,500? Meaning every week what the 80 is that?\n\nChannel 0: so that is if you work till 70, and then\n\nChannel 1: Yeah.\n\nChannel 0: you completely stop working, and you just want to draw an income from your super. So, obviously, when you are working at the moment, your your super gross, you get contributions going into super. And then, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: when you wanna retire, you still need an income to live off, and that's when you can utilize\n\nChannel 1: Yeah.\n\nChannel 0: your super to to to give you that money.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. And you can take it either as a as a weekly income. You can take it as a fortnightly income, or you can take\n\nChannel 1: Oh,\n\nChannel 0: it completely as a lump sum. It is up to you when you when you do get to that point. So you can\n\nChannel 1: oh,\n\nChannel 0: choose\n\nChannel 1: okay.\n\nChannel 0: what you want to do. Yeah.\n\nChannel 1: Yeah. That's great. That's why I can't\n\nChannel 0: Yeah.\n\nChannel 1: understand now.\n\nChannel 0: Yes. So do you have any questions for me, or that kind of all makes sense?\n\nChannel 1: Yeah. That's all makes sense. When you explain\n\nChannel 0: Yeah.\n\nChannel 1: it to me, that makes sense. And and I\n\nChannel 0: Yeah.\n\nChannel 1: really so I don't put up there. You know? The money was there. Doesn't even go anywhere. You know?\n\nI\n\nChannel 0: Yeah.\n\nChannel 1: guess you're\n\nChannel 0: Yeah.\n\nChannel 1: afraid because it's there.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: So, basically, from here, it would be obviously, when when we get off the phone or when you have time, have a look through\n\nChannel 1: Mhmm.\n\nChannel 0: that email. If you have any questions when you read through it, just give me a call or send me an email, and we can always book in another catch up. But\n\nChannel 1: Okay.\n\nChannel 0: if you do\n\nChannel 1: Yeah.\n\nChannel 0: have a read through it and it all makes sense and you are happy with the change\n\nChannel 1: Yeah.\n\nChannel 0: to move\n\nChannel 1: Yeah.\n\nChannel 0: forward, it will just be to sign the document same as you did the other one.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That\n\nChannel 1: Yeah.\n\nChannel 0: yeah. That will then automatically come back to me, and that tells me\n\nChannel 1: Yes.\n\nChannel 0: that you are happy with it. And I will let the team know, and we'll go ahead and make that that change for you.\n\nChannel 1: Thank you, Rehondia.\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: No worries.\n\nChannel 1: getting\n\nChannel 0: No\n\nChannel 1: myself\n\nChannel 0: worries.\n\nChannel 1: with\n\nChannel 0: Yeah.\n\nChannel 1: explaining clearly.\n\nChannel 0: Oh, good. I'm glad. I'm I'm really glad. And, you know, if there is anything else that you need at any point in time, whatever it might be, don't hesitate to call me.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? I'm always here if you need anything.\n\nChannel 1: Thank you. Thank you. Appreciate it for you.\n\nChannel 0: No\n\nChannel 1: Now\n\nChannel 0: problem\n\nChannel 1: again,\n\nChannel 0: at\n\nChannel 1: I'm\n\nChannel 0: all.\n\nChannel 1: yeah. Thank you,\n\nChannel 0: Yeah. No problem. We'll we'll speak soon, and just give me a call if you need anything.\n\nChannel 1: Okay. Thank you, Veronica. Thank you.\n\nChannel 0: No\n\nChannel 1: Have\n\nChannel 0: problem.\n\nChannel 1: a nice\n\nChannel 0: You\n\nChannel 1: day.\n\nChannel 0: have a lovely rest of your day.\n\nChannel 1: Yeah. You too. Bye.\n\nChannel 0: Thank\n\nChannel 1: Bye.\n\nChannel 0: you very much. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.061530180275440216}],"sentiment":"neutral","sentiment_score":0.061530180275440216,"channel":1,"num_words":1,"start":2.48,"end":2.98},{"sentences":[{"text":"Morning.","start":3.6799998,"end":4.0,"sentiment":"neutral","sentiment_score":0.07110963761806488},{"text":"This is Veronica from Financial.","start":4.0,"end":5.54,"sentiment":"neutral","sentiment_score":0.10100486576557159},{"text":"How are 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They emphasize the importance of researching the investment portfolio to ensure it is in the best interest of the customer and recommend staying with the company called hub twenty four. The speaker emphasizes reducing risk levels and bringing the retirement income back into the portfolio, as well as the importance of diversification in risk profiles. The agent explains the process for signing retirement agreements and offers assistance if needed."},"intents":{"segments":[{"text":"Now do you have access to your emails this morning? Yeah.","start_word":173,"end_word":183,"intents":[{"intent":"Confirm email","confidence_score":0.02513804}]},{"text":"I did check-in Yes. this month. I was there, and then I checked it, but I can't get in there. Okay.","start_word":184,"end_word":204,"intents":[{"intent":"Check email","confidence_score":0.5894136},{"intent":"Check email","confidence_score":0.22138348},{"intent":"Check email","confidence_score":0.10202504}]},{"text":"Do you want me to log out?","start_word":277,"end_word":283,"intents":[{"intent":"Confirm login","confidence_score":0.0010007522}]},{"text":"It is something I always recommend everyone to consider. So I've just included that information if you do wanna have a bit of a read over it. Otherwise, this recommendation has been tailored specifically for you and your goals and your objective. Okay.","start_word":509,"end_word":551,"intents":[{"intent":"Review recommendations","confidence_score":0.1131468}]},{"text":"A lot of it is just compliant. Yeah.","start_word":714,"end_word":721,"intents":[{"intent":"Consolidate document","confidence_score":0.05856333}]},{"text":"So part of the research is that I considered other options for you because we want to make sure that at all point in time, we have you in the best super fund as well. And things are always changing. So it is good to do research every now and then just to make No. sure there's not, like, another product out there that's a bit better or more competitive. Does that make sense? Yes.","start_word":806,"end_word":880,"intents":[{"intent":"Explore alternative options","confidence_score":0.013276692}]},{"text":"not making any changes there. Now what I have recommended is just some changes to your investments. Now what yeah.","start_word":934,"end_word":953,"intents":[{"intent":"Make investment changes","confidence_score":0.021099582}]},{"text":"save you a bit in fees, which is good. So it will save you about $375 a year in investment fees. Yes.","start_word":971,"end_word":992,"intents":[{"intent":"Save money in fees and investments","confidence_score":0.0013982885}]},{"text":"So for for right now, it's great. But let's say if there's another one that comes out in six months or one year or five years, like, if there's another competitor that comes out that's more competitive, Yeah.","start_word":1035,"end_word":1072,"intents":[{"intent":"Evaluate competitor's future","confidence_score":0.009835261}]},{"text":"So it just kind of depends on if there's another one that does come out. But right now on the market, HUB 24 is is very competitive for you. Competitive.","start_word":1143,"end_word":1172,"intents":[{"intent":"Determine portfolio availability","confidence_score":6.1385646e-7}]},{"text":"So which which is not too bad because if I was looking at because I was looking at a lot of different options as well. And if I was to change all of your investments, Mhmm. it was going to be about 10,000, which I didn't Mhmm. want.","start_word":1735,"end_word":1782,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0057928194}]},{"text":"So part of the research is we do focus on minimizing that tax as much as possible by still making sure we make any necessary changes to your investments to improve your return No.","start_word":1798,"end_word":1831,"intents":[{"intent":"Discuss investment options","confidence_score":0.0035291722}]},{"text":"doing a, yeah, and doing a bit of a rebalance.","start_word":1945,"end_word":1954,"intents":[{"intent":"Rebalance portfolio and investments","confidence_score":0.0005917371}]},{"text":"Now the the other little change, it's just a a rebalance. So it is keeping all your other investments, but it's just Yeah. kind of shifting how much you have. So, basically, what a rebalance is, it's kind of what it sounds like. It's just kind of adjusting everything back to its original target.","start_word":2220,"end_word":2273,"intents":[{"intent":"Rebalance investments","confidence_score":0.43682715}]},{"text":"I have also included just a retirement income calculator for you just to show that if you want to draw when you turn 70 or if you decide earlier Yes.","start_word":2462,"end_word":2491,"intents":[{"intent":"Recommend retirement income calculator","confidence_score":0.00033278047}]},{"text":"And at around age 76, Mhmm. that's when age pension will kick in a little bit for you if you're still eligible.","start_word":2527,"end_word":2548,"intents":[{"intent":"Specify retirement age","confidence_score":0.0000046494238},{"intent":"Explain age eligibility","confidence_score":0.0022159314}]},{"text":"So like I mentioned during the under review, there is no changes in regards to the fees. It stays exactly the same. There's no additional charges at all for this. So for me to obviously do the research, put together this recommendation, and if you are happy and you want to go ahead with this little change, there is no additional fees or charges at all. It is all just part of that ongoing fee.","start_word":2687,"end_word":2761,"intents":[{"intent":"Explain fee structure","confidence_score":0.014894661}]},{"text":"So do you have any questions for me, or that kind of all makes sense? Yeah.","start_word":2933,"end_word":2948,"intents":[{"intent":"Clarify information","confidence_score":0.0011642766},{"intent":"Request clarification","confidence_score":0.024867563}]},{"text":"When you explain Yeah. it to me, that makes sense. And and I Yeah.","start_word":2953,"end_word":2966,"intents":[{"intent":"Explain explanation","confidence_score":0.00014629902}]},{"text":"That will then automatically come back to me, and that tells me Yes. that you are happy with it. And I will let the team know, and we'll go ahead and make that that change for you.","start_word":3101,"end_word":3137,"intents":[{"intent":"Provide guidance","confidence_score":0.09025174},{"intent":"Inform team","confidence_score":0.0022136215},{"intent":"Make change","confidence_score":0.021882456}]}]},"sentiments":{"segments":[{"text":"Morning. Morning. This is Veronica from Financial. How are you?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.09675583243370056},{"text":"Good. Good. That's good.","start_word":10,"end_word":13,"sentiment":"positive","sentiment_score":0.6672348380088806},{"text":"I had you booked in just to kind of pretty quickly today just go through the recommendations, I've made on your for investment. Is still Yeah.","start_word":14,"end_word":39,"sentiment":"neutral","sentiment_score":0.25789475440979004},{"text":"a good time for you?","start_word":40,"end_word":44,"sentiment":"positive","sentiment_score":0.36375340819358826},{"text":"Yeah. Yeah. I just was Yeah. up I just gave back last night. Yeah. And how was it? Maybe. Is it? It's always like that, isn't it? But I will I won't keep you too long this morning. It is pretty straightforward. Mhmm. But before I do kind of go any further, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Yeah. Yeah. Yep. Perfect. And just for security purposes as well, just if you could confirm for me your full name, date of birth, and address, please. My name is Tagovna Videlfa. Mhmm. My date of birth is 01/23/1967, and I still live in 115 Blacktown Road, 7 Hill in South Wales. Yep. Perfect. Now do you have access to your emails this morning? Yeah. I did check-in Yes. this month. I was there, and then I checked it, but I can't get in there. Okay. Yeah. I I did check it this morning, and I was signing. I will be signing on it. Yeah. Because I saw you signed the under review one.","start_word":45,"end_word":232,"sentiment":"neutral","sentiment_score":0.0397367887198925},{"text":"That came through perfect, which is great.","start_word":233,"end_word":239,"sentiment":"positive","sentiment_score":0.4257676899433136},{"text":"And I It. have about a minute ago sent you a new email just with a recommendation. If you could have a look for me, or do you mean that you're logged out of your email account? Do you want me to log out? If if you can have a quick look at the email and see if that Yeah. It came is. through. Yeah. I'm gonna have to look in on it. Yeah. Sure. Yeah. Where do you want? Can you bring this? Yes. Is it to your email, or is it the link that's not working? Or is it to, like, your email Now account? when I'm on the phone, I think I've when I go on the phone, I can't get in into the the email things. Okay. That's okay.","start_word":240,"end_word":372,"sentiment":"neutral","sentiment_score":-0.0343828045560005},{"text":"Are you happy for me to kind of go through the most important things? And then when we are not on the phone, hopefully, it works and you can have a have a look at it then.","start_word":373,"end_word":409,"sentiment":"positive","sentiment_score":0.4593775868415833},{"text":"And if you have any Yeah. questions, Yes. you can Yeah. always Yeah. give me a callback. Yeah. Okay. Yes.","start_word":410,"end_word":429,"sentiment":"neutral","sentiment_score":0.10315349698066711},{"text":"Perfect.","start_word":430,"end_word":430,"sentiment":"positive","sentiment_score":0.5248203277587891},{"text":"Yes. Yes. Yes. Now like I said, it is pretty straightforward. The the thing we have looked at is just your super investments, making sure that everything is invested in in the best way possible for you. And if there was any anyone that was underperforming a little bit to then make a change. So just focusing on your superannuation. I have also just included some information in regards to a will and power of attorney for you.","start_word":431,"end_word":508,"sentiment":"neutral","sentiment_score":0.2041832059621811},{"text":"It is something I always recommend everyone to consider.","start_word":509,"end_word":517,"sentiment":"positive","sentiment_score":0.36568447947502136},{"text":"So I've just included that information if you do wanna have a bit of a read over it. Otherwise, this recommendation has been tailored specifically for you and your goals and your objective. Okay. When you do have a look on the cover page, you will also see my details listed, and you will actually see my authorized representative number. Basically, it's just just my license number, and I am licensed under financial. Yeah. That'd Yep.","start_word":518,"end_word":593,"sentiment":"neutral","sentiment_score":0.18948374688625336},{"text":"be great.","start_word":594,"end_word":595,"sentiment":"positive","sentiment_score":0.4040729999542236},{"text":"Yeah. Now every time we do make a recommendation, we Uh-huh. have to follow something that is called the best interest duty. We have to follow that at all times. And, basically, what it means is that we have to act in your best interest at all time and put Yes. your needs above anything else. Mhmm. And the recommendation as well has to put you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. Does that make sense? Yeah. The connection. Yep. Yep. Perfect. Now I'll kind of skip through. When you have a have a read through it, you will see it's quite long. It's about 31 pages. A lot of it is just compliant. Yeah. It is Yeah. just making sure as well that you understand everything. But what I kind of focus on is when you do have a look at the document, Yeah. Yeah. you you will see a table on page 13. This kind of summarizes everything. So it's like a bit of a table with all the numbers and math and everything, and it kind Mhmm. of summarizes the recommendation. So what I have recommended is that Yeah. we stay in the same super fund. So part of the research is that I considered other options for you because we want to make sure that at all point in time, we have you in the best super fund as well. And things are always changing. So it is good to do research every now and then just to make No. sure there's not, like, another product out there that's a bit better or more competitive. Does that make sense? Yes. Yes. Yeah. Yes. So at the moment, I have recommended that you stay with hub twenty four.","start_word":596,"end_word":897,"sentiment":"neutral","sentiment_score":0.09516989234958265},{"text":"Now I use hub twenty four for my personal super as well, and it is very competitive when it comes to the fees and investment choices and everything you can do on the platform.","start_word":898,"end_word":931,"sentiment":"positive","sentiment_score":0.4452505707740784},{"text":"So Gotcha. not making any changes there. Now what I have recommended is just some changes to your investments. Now what yeah. So what that actually will look like is that by making the investment changes, it will Yes.","start_word":932,"end_word":970,"sentiment":"neutral","sentiment_score":0.14100684225559235},{"text":"save you a bit in fees, which is good. So it will save you about $375 a year in investment fees.","start_word":971,"end_word":991,"sentiment":"positive","sentiment_score":0.4144382774829865},{"text":"Yes.","start_word":992,"end_word":992,"sentiment":"neutral","sentiment_score":0.2586785554885864},{"text":"So it's a bit cheaper. Yeah. So that's good.","start_word":993,"end_word":1001,"sentiment":"positive","sentiment_score":0.423352986574173},{"text":"Explained to me. Sound sound good for that thing, Yeah. but, yeah, how long it's gonna be on that if you were on on that platform? It it depends on what what's happening. So for for right now, it's great. But let's say if there's another one that comes out in six months or one year or five years, like, if there's another competitor that comes out that's more competitive, Yeah. we will do the research and making sure that if we do move, it's going to be better for you. So there's nothing stopping us. Like, we are not tied to HUB twenty four at all.","start_word":1002,"end_word":1108,"sentiment":"neutral","sentiment_score":0.137432689560908},{"text":"So the only goal is making sure that we have you in the super fund that's going to be the best for you.","start_word":1109,"end_word":1131,"sentiment":"positive","sentiment_score":0.3882421851158142},{"text":"But at the moment, HUB twenty four is very competitive. Yeah. So it just kind of depends on if there's another one that does come out. But right now on the market, HUB 24 is is very competitive for you.","start_word":1132,"end_word":1171,"sentiment":"neutral","sentiment_score":0.24101664125919345},{"text":"Competitive.","start_word":1172,"end_word":1172,"sentiment":"positive","sentiment_score":0.33474281430244446},{"text":"Yes.","start_word":1173,"end_word":1173,"sentiment":"neutral","sentiment_score":0.3276009261608124},{"text":"Yep. They sound good. Yeah. So by making the little investment change, like I said, it is saving you a little bit of fees, which is great. So I wanted to reduce the fees a little bit. Now the other thing is it's actually improving the investment returns.","start_word":1174,"end_word":1221,"sentiment":"positive","sentiment_score":0.4452583491802216},{"text":"So your current portfolio, Mhmm. when we are using a five year time frame so we like to use a five year time frame and average it on a yearly basis because it gives us a little bit more certainty of what has happened in the market and the portfolio. Because you can't guarantee, obviously, returns. You can't guarantee what's going to happen in the market and the world. But using a five year time frame gives us a little bit more certainty than if we just look at a twelve month period. Does that make sense? Yeah. Yeah. I Yeah. did. Yeah.","start_word":1222,"end_word":1324,"sentiment":"neutral","sentiment_score":0.14143094420433044},{"text":"Perfect.","start_word":1325,"end_word":1325,"sentiment":"positive","sentiment_score":0.5557924509048462},{"text":"Now your current portfolio, when we are looking at an average yearly return over five years, has performed at 9.95%. So still pretty okay. I really it's over Yeah.","start_word":1326,"end_word":1354,"sentiment":"neutral","sentiment_score":0.2898101210594177},{"text":"Pretty good.","start_word":1355,"end_word":1356,"sentiment":"positive","sentiment_score":0.3891761898994446},{"text":"Yeah. there. But with the recommended, It's it has performed at 11 pretend. point nine one. So a little bit better. It'd be better. A little bit better.","start_word":1357,"end_word":1384,"sentiment":"neutral","sentiment_score":0.12380006164312364},{"text":"Sounds good.","start_word":1385,"end_word":1386,"sentiment":"positive","sentiment_score":0.5141948461532593},{"text":"Yeah. Now what I have also done is I have kind of projected things forward for five five years until retirement as well to kind of show you the compounding differences of improving returns a little bit and reducing fees, not changing contributions or anything else.","start_word":1387,"end_word":1432,"sentiment":"neutral","sentiment_score":0.1956753432750702},{"text":"It all stays the same, and it does show you that you could be on track to save about $53,905 in five years, which is pretty crazy. It is. Yeah. Very That's grateful. pretty good.","start_word":1433,"end_word":1467,"sentiment":"positive","sentiment_score":0.4694678485393524},{"text":"Yeah. Now what I have also done for you is I have included the return differences over a longer period of time as well so that you can see it. So when you have a look at the documents, you will Yeah. see I've Yeah. compared twelve months, three years, five years, and ten years.","start_word":1468,"end_word":1522,"sentiment":"neutral","sentiment_score":0.12610465288162231},{"text":"And across all of them, the recommended has outperformed your current over all time frames, which is good. They sound pretty Yeah. good. Perfect.","start_word":1523,"end_word":1546,"sentiment":"positive","sentiment_score":0.3663586676120758},{"text":"Yeah. Now the one thing I do wanna let you know, so one of the kind of disadvantages with the change Mhmm. is that every time we do make an investment change so when we are selling investments, if they have gone up, Yeah. there will be something that's called capital gains tax. So, basically, you have to pay tax when you're Yeah. selling something similar to, like, an investment property. Mhmm. Now that is all within the super environment. So it's not something that you have to pay for personally. It's all taken care of within super. You don't have to declare it when you do tax return or anything like that. It is all Yeah. just internal within the super environment. But I do wanna let you know that there will be some Mhmm. some capital gains tax with the change. Now, yeah, now I'm trying to keep it as little as possible for you. So it will be around $780 of tax. 700. 780. That's for a a yellow. No. Just one off. Just to make Product the change. one or Just one off. Yeah. So which which is not too bad because if I was looking at because I was looking at a lot of different options as well. And if I was to change all of your investments, Mhmm. it was going to be about 10,000, which I didn't Mhmm. want. Yeah.","start_word":1547,"end_word":1783,"sentiment":"neutral","sentiment_score":-0.05402467772364616},{"text":"But I don't want that. That's just No. money worth doing that.","start_word":1784,"end_word":1795,"sentiment":"negative","sentiment_score":-0.4144383072853088},{"text":"Exactly. So part of the research is we do focus on minimizing that tax as much as possible by still making sure we make any necessary changes to your investments to improve your return No. and your outcome.","start_word":1796,"end_word":1833,"sentiment":"neutral","sentiment_score":0.07800018159966719},{"text":"So so that is pretty good.","start_word":1834,"end_word":1839,"sentiment":"positive","sentiment_score":0.6527559161186218},{"text":"Now any questions so far, or it all kind of make sense? Yes. It always makes sense when you Makes explain sense? it, you know, that's Yeah. that's what we work for. You know, you work Exactly. without one Yeah. Now we are not making any change to your risk profile either. So we are keeping it the same as a growth portfolio like we touched on during the annual review. So we are not increasing your risk or increasing fluctuations or anything. We are keeping that the same, literally just changing it's literally just changing one investment for you No. That's and then great.","start_word":1840,"end_word":1944,"sentiment":"neutral","sentiment_score":0.06092868372797966},{"text":"doing a, yeah, and doing a bit of a rebalance.","start_word":1945,"end_word":1954,"sentiment":"positive","sentiment_score":0.35298362374305725},{"text":"So on page 15, again, later when you have a look through the document, Yeah. Yeah. It's you everywhere. will see yeah. You will see one. It's another table, and it outlines all your investments. It shows you how much you are currently rated, so, basically, how much you have in each option. And then Yes. there's another one where it's called a buy and sell. Basically, what it is, it it I have highlighted in red what Yes. we are selling for you, And then black is what we are either keeping in your portfolio or adding. Does that make sense? Yes. Yes. Yes. Yes, sir. Yeah. So the only investments we are completely changing is that Benelung investment I kind of mentioned last time during the annual review. So all your other investments were doing pretty good, but Bennelong Mhmm.","start_word":1955,"end_word":2096,"sentiment":"neutral","sentiment_score":0.05493412911891937},{"text":"was underperforming a little bit.","start_word":2097,"end_word":2101,"sentiment":"negative","sentiment_score":-0.3725090622901917},{"text":"So what I have recommended is that we get out of Bennelong and instead invest in another Australian investment because we want to keep diversification for you. But this one is called BetaShares Australia two hundred. Basically, what it is is that it invests in the 200 largest companies listed in Australia. So you will have all the big banks. You will have Woolworths, CHP, like, all the big companies and very diversified because there's 200. So it's not like you have everything in, like, one option. It's very diversified for you to kind of reducing risk a little bit, but also making sure you don't have all the eggs in one basket.","start_word":2102,"end_word":2214,"sentiment":"neutral","sentiment_score":0.13004850972015247},{"text":"Yeah. It's great. Yeah.","start_word":2215,"end_word":2218,"sentiment":"positive","sentiment_score":0.6587131023406982},{"text":"Yeah. Now the the other little change, it's just a a rebalance. So it is keeping all your other investments, but it's just Yeah. kind of shifting how much you have. So, basically, what a rebalance is, it's kind of what it sounds like. It's just kind of adjusting everything back to its original target. So when you have, obviously, investments, some investments go up, some Mhmm. goes down. So Yeah. what can happen is that some investments, you have a little bit too much in it, which could may mean that you're taking on a little bit more risk than we want. Mhmm. Yeah. Yeah. So rebalancing, it basically just means bringing everything back in line into the portfolio and into goals. So it's still keeping those investments. It is just shifting it a little bit. So for example, one of your current investment, which is something that's called cybersecurity, at the moment, Yeah. you have about 6.71%. It is just shifting it to 7%. Mhmm. Another Thanks. one you have, it's 28% in I shift. It's just reducing it to 24. So it's pretty straightforward. It's Yeah. keeping It'd it. be after dialing. Correct. It's just kind of bringing everything back into alignment, kind of, like, resetting it back into what it's Yeah. supposed to be, if that makes sense. Yeah. You Yep. see that? Yep.","start_word":2219,"end_word":2446,"sentiment":"neutral","sentiment_score":0.03462832048535347},{"text":"Perfect. Now that was basically everything. So it's pretty straightforward, Mhmm.","start_word":2447,"end_word":2457,"sentiment":"positive","sentiment_score":0.3943567872047424},{"text":"like I said. I have also included just a retirement income calculator for you just to show that if you want to draw when you turn 70 or if you decide earlier Yes.","start_word":2458,"end_word":2490,"sentiment":"neutral","sentiment_score":0.24865452403371985},{"text":"to draw that weekly income of about $1,500 per week, it shows you that it is on track to be achievable. So the way things are tracking, it looks like that will be possible for you.","start_word":2491,"end_word":2526,"sentiment":"positive","sentiment_score":0.6358044147491455},{"text":"And at around age 76, Mhmm. that's when age pension will kick in a little bit for you if you're still eligible. So it will then be kind of supplemented. Yeah. And that is something we can help you with when when time comes. This office is a little while away.","start_word":2527,"end_word":2577,"sentiment":"neutral","sentiment_score":0.2151691168546677},{"text":"But but it does show that you are you are doing pretty good and on track for achieving your goals.","start_word":2578,"end_word":2597,"sentiment":"positive","sentiment_score":0.6516678333282471},{"text":"And then at about 92, that's when it will just be kind of age pension And the super will kind of be subsided a little bit. But still, obviously, plenty of time until then. And and by the time you're obviously 92, then you probably won't have as much expenses I'll and be stuff gold either.","start_word":2598,"end_word":2653,"sentiment":"neutral","sentiment_score":0.20257876813411713},{"text":"by this. So it is a good kind of check-in and making sure that everything is on track for you.","start_word":2654,"end_word":2673,"sentiment":"positive","sentiment_score":0.6487212777137756},{"text":"And the last thing I do wanna mention is, again, the fee structure. So like I mentioned during the under review, there is no changes in regards to the fees.","start_word":2674,"end_word":2703,"sentiment":"neutral","sentiment_score":0.23732246458530423},{"text":"It stays exactly the same.","start_word":2704,"end_word":2708,"sentiment":"positive","sentiment_score":0.4212532043457031},{"text":"There's no additional charges at all for this.","start_word":2709,"end_word":2716,"sentiment":"neutral","sentiment_score":0.3198866844177246},{"text":"So for me to obviously do the research, put together this recommendation, and if you are happy and you want to go ahead with this little change, there is no additional fees or charges at all.","start_word":2717,"end_word":2752,"sentiment":"positive","sentiment_score":0.41177237033843994},{"text":"It is all just part of that ongoing fee. Oh, it was Yeah. great. Yeah. But Sorry. what That's did you say about 1,500? Meaning every week what the 80 is that? so that is if you work till 70, and then Yeah. you completely stop working, and you just want to draw an income from your super. So, obviously, when you are working at the moment, your your super gross, you get contributions going into super. And then, obviously, Yeah. when you wanna retire, you still need an income to live off, and that's when you can utilize Yeah. your super to to to give you that money. Oh, okay. Yeah. And you can take it either as a as a weekly income. You can take it as a fortnightly income, or you can take Oh, it completely as a lump sum. It is up to you when you when you do get to that point. So you can oh, choose okay. what you want to do. Yeah. Yeah.","start_word":2753,"end_word":2922,"sentiment":"neutral","sentiment_score":0.08274250915821861},{"text":"That's great.","start_word":2923,"end_word":2924,"sentiment":"positive","sentiment_score":0.3634819984436035},{"text":"That's why I can't Yeah. understand now. Yes. So do you have any questions for me, or that kind of all makes sense? Yeah. That's all makes sense. When you explain Yeah. it to me, that makes sense. And and I Yeah. really so I don't put up there. You know? The money was there. Doesn't even go anywhere. You know? I Yeah. guess you're Yeah. afraid because it's there. Exactly. Yeah. So, basically, from here, it would be obviously, when when we get off the phone or when you have time, have a look through Mhmm. that email. If you have any questions when you read through it, just give me a call or send me an email, and we can always book in another catch up. But Okay. if you do Yeah.","start_word":2925,"end_word":3058,"sentiment":"neutral","sentiment_score":0.049793791025877},{"text":"have a read through it and it all makes sense and you are happy with the change Yeah.","start_word":3059,"end_word":3076,"sentiment":"positive","sentiment_score":0.36643990874290466},{"text":"to move Yeah. forward, it will just be to sign the document same as you did the other one. Yeah. Yeah. That Yeah. yeah. That will then automatically come back to me, and that tells me Yes.","start_word":3077,"end_word":3113,"sentiment":"neutral","sentiment_score":0.22227977216243744},{"text":"that you are happy with it. And I will let the team know, and we'll go ahead and make that that change for you. Thank you, Rehondia.","start_word":3114,"end_word":3140,"sentiment":"positive","sentiment_score":0.5133904814720154},{"text":"Yep. I'm No worries. getting No myself worries. with Yeah. explaining clearly.","start_word":3141,"end_word":3152,"sentiment":"neutral","sentiment_score":0.1592606157064438},{"text":"Oh, good. I'm glad. I'm I'm really glad.","start_word":3153,"end_word":3160,"sentiment":"positive","sentiment_score":0.6880248188972473},{"text":"And, you know, if there is anything else that you need at any point in time, whatever it might be, don't hesitate to call me. Yeah. Okay?","start_word":3161,"end_word":3187,"sentiment":"neutral","sentiment_score":0.13296423852443695},{"text":"I'm always here if you need anything. Thank you. Thank you. Appreciate it for you.","start_word":3188,"end_word":3202,"sentiment":"positive","sentiment_score":0.5456663966178894},{"text":"No Now problem again, at I'm all. yeah.","start_word":3203,"end_word":3210,"sentiment":"neutral","sentiment_score":0.17886137962341309},{"text":"Thank you, Yeah. No problem.","start_word":3211,"end_word":3215,"sentiment":"positive","sentiment_score":0.3551058769226074},{"text":"We'll we'll speak soon, and just give me a call if you need anything. Okay.","start_word":3216,"end_word":3230,"sentiment":"neutral","sentiment_score":0.26377928256988525},{"text":"Thank you, Veronica. Thank you. No Have problem. a nice You day. have a lovely rest of your day. Yeah. You too.","start_word":3231,"end_word":3252,"sentiment":"positive","sentiment_score":0.5874293446540833},{"text":"Bye.","start_word":3253,"end_word":3253,"sentiment":"neutral","sentiment_score":0.2612263858318329},{"text":"Thank Bye. you very much.","start_word":3254,"end_word":3258,"sentiment":"positive","sentiment_score":0.5618937611579895},{"text":"Bye. Bye.","start_word":3259,"end_word":3260,"sentiment":"neutral","sentiment_score":0.2543700933456421}],"average":{"sentiment":"neutral","sentiment_score":0.1487253304092008}}}}