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So I do apologize. Do you still have time to run over the the recommendation with me? Yeah. Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, I do have a password on file. Do you know where that might be? Yep. That's the one. And how's your day been? Been busy? Oh, wow. How's that going? Yep. Yeah. Mhmm. Yeah. Yeah. Oh, that's good. Well, if you I don't know if I have told you or if you can hear by my accent, but I'm Swedish. So, yeah, Swedish is my first language. English is my second, and I'm having a similar thing with my husband trying to teach him Swedish. And he's like, I cannot do the pronunciation because I'm from the South, so we roll off a lot. So a little bit similar to Germany in some way. But he's like, I physically can't do it. I was like, it's not hard. Just roll it. And, obviously, it's different when you grow up with it versus, obviously, learning English from the start. So Yeah. Oh, thanks. Yeah. Yeah. Yeah. Yeah. And that's usually the best way to to go about it as well. Like, my husband say that when we go over to Sweden, because my family is back there, he picks it up quicker. And then when it's been a while since we haven't been there, kind of forgets. But then kind of leaving there is the best way to get the exposure and get a lot better at the language. Let's keep it simple. Yeah. But good on you though for doing it. Yeah. Oh, that's good. But, well, Ricky, essentially, I had you booked in to go over your, the recommendation in regards to your super investments. The the research I did for you after our annual review. Now do you have access to your emails at the moment? Okay. Perfect. So I have just sent you an email with the recommendation if you have the option of getting that one up for me. Yep. Yep. Perfect. So what you will see first is the statement of advice. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in this statement of advice for you just to make sure you fully understand everything. Now it is quite long at 25 pages, but I will just go through the main points for you, and then you can have a read over it as well just to make sure you understand everything, but it is pretty straightforward today. Now you can see that it has been prepared by myself. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Now if you scroll to page two, you will see the best interest duty outline. Have you heard of this before? Okay. No. Sorry. It I mean, it is pretty self explanatory, but it is that we have to act in your best interest at all time. But also that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make sense? Yep. Yep. Perfect. Now if you wanna scroll through for me, you will see scope of advice. Essentially, what this refers to is the areas we are looking at in today's statement of advice, which is simply just your superannuation, looking at increasing that risk exposure a little bit for you now when you're not getting contributions, making sure everything is growing for you before retirement, making sure we have you in the best investments as well, and that is simply it. So pretty straightforward. Now if you want to scroll down so as you kind of keep scrolling, you will see this limited advice on page five. Essentially, just refers back to the scope in the areas we are focusing on today. But I do also have to let you know that I'm not a legal practitioner, so I can't actually give you any legal advice. Can definitely provide support and guidance on how to structure beneficiary forms and stuff like that, but I can't give you any legal advice since I'm not a lawyer. Yep. Yep. Perfect. Now, essentially, if you can scroll down to page eight for me. It's all one more down. Sorry. Sorry. Yeah. It's a bit, yeah, it's a bit funny. The page yes. The page number on the page and then what's actually depending on the the program you're opening it with is a little bit different if the cover page counts. Yeah. Can be a bit confusing. But, essentially, this talks about your risk profile. Now I know when we spoke, we kind of talked about aggressive and high growth, and I have made an assessment for both. Now what I have recommended is the high growth, but I will go through the options. I have included the aggressive in the appendix to show you. But when factoring in capital gains tax and fees and returns, the high growth was actually going to put you in a bit better position, and it means you're taking a little bit less risk as well, which is good. So I have recommended high growth, but I have assessed both for you. Now what the actual recommendation is is if you can scroll to page 10, it the heading should say, retain your hub 24 superannuation and change your underlying investments. Yes. Yes. Correct. So, basically, these outlines it's a bit wordy, so I'll go through the table, and then I'll let you have a read over it. But, essentially, it outlines why the recommendation does align with that best interest duty and factoring in your personal circumstances, capital gains tax, risk tolerance, objectives, and everything like that as well on why this recommendation has put you in a better position. I often find the best way to look at it is if you want to scroll down to page let's see here. 16 for me first. So can you see the fee comparison? K. Yep. So this is usually I find it's an easier way to kind of get a bit of a snapshot of it because it kind of puts all the numbers into perspective. So what I have recommended, you can see your current situation and then the recommended. Now I did consider other super funds for you as well just to make sure the hub twenty four was still going to be the best option for you because there is always new products and features that do come out. So it is important to continue to review that just to make sure. After doing all the research, though, hub twenty four is still very competitive. It's very competitive when it comes to fees, investment choices, and flexibility. So I have recommended that we stay in hub twenty four and literally just change some of those investments and increase the risk to a high growth. Now what we also consider is your capital gains tax. So every time we do sell investments, if they have gone up, there will be capital gains tax applicable when you sell investments. So I've tried to keep that as minimal as possible while still making sure we we increase that risk for you and change the investments we want to. So just for your reference, if I were to do a full sell down of all your current investments, the capital gains tax so if, for example, we were to move to a different super fund, the capital gain gains tax would have been around 9,952. So quite substantial, which is good in a way because it means your super has gone up a lot, but also not good because you'd have to pay the tax. Yeah. Sorry. I've tried to minimize that for you. Now I've got it down to about 2,747. So there is still a bit of a change, so that is something I want you to be mindful of, which is why at the top, you can see the balance difference of 2,747. Can you see that? Yep. So that is the estimated tax. Now that does fluctuate on a daily, obviously, with market prices. So it is a bit of an estimate at the time we did everything, but it will be around that 2,747. Now if we were to go through the aggressive portfolio, it would have been about 4,971. Okay? Yep. So that is kind of a disadvantage to be mindful of. But then on the flip side, you can see that by changing the investment, the investment fees has reduced. So in investment fees alone, you are saving about $1,421 per year. So pretty quickly, you will then make up the capital gains tax that would come out of your superannuation just in those investment fee savings alone. Does that make sense? Yep. Now everything else kind of stays the same, just changing the investments. Now you can also see that, obviously, aside from the fees being a little bit cheaper, you can see the difference in the returns as well. So you can see that in your current portfolio, the growth portfolio, using a five year rolling average, it's around 9.54%. The recommended high growth portfolio is 12.55%. So it has performed better when we are looking at a longer period of time as well, which is great. Something to be mindful of is increasing risk. Short term, you will have a little bit more fluctuations than in a growth portfolio, but then a little bit more long term, we are anticipating obviously seeing higher returns as a result as well. Now, obviously, we can't, yeah, guarantee what is going to happen with the investment returns or the market, but that is why we use a five year rolling average. Because if using a five year rolling average, it kind of gives us a little bit more certainty of what has happened in the market and their portfolio as well. Whereas if we use, let's say, a twelve month period, depending on when we use the twelve month period, sometimes it would have looked like you've won the lottery. Other, yes, it wouldn't have been as good. So that's why we do prefer to use the five year rolling average to to kind of factor in that. Now base, base yeah. Now, basically, then kind of factoring in everything, so the capital gains tax, the fees, and the return, the next page shows you everything kind of compounded. So you can see five, five years and then compounding up to age 67 to show you that difference. So even though there will be a little bit of capital gains tax, the fee savings and the anticipated change in the return is improving the situation for you. So that kind of shows you a a bit of that as well. Now underneath it, you can then also see the performance difference between your current situation and the recommended. Can you see that? Yeah. So twelve months, three years, five years, and ten years. And you can see across all time frames, the recommended has performed a little bit better than your current growth portfolio, which is good. Any questions so far? Yeah. Yeah. Yep. Yeah. So it's also then kind of coming through the investments and how we structure it. So on the next page, actually, you can see just a bit of a retirement income calculator. Now this is quite conservative because it is showing as well from age 67 that we are just going into a completely defensive portfolio, a 5% return. So it can be a little bit more defensive, but I prefer to kind of have a little bit more defensive approach when doing this. And, obviously, it does depend on other assets, changes in legislation, or anything like that. But it does show you a little bit of an assessment. Okay. Well, if you decide to retire at 67 and draw a weekly income of a thousand dollars per week from superannuation, what that would look like. So you can essentially see the dark green is then your superannuation. So from a starting point, you could take a lot more if you wanted to, but that obviously means it's gonna run out sooner. What it is that anticipated, and, again, obviously, depending on eligibility at the time, is that around age 81, you would then be able to get a little bit of age pension supplemented by your superannuation, which is that kind of light blue color, if that makes sense. Correct. Correct. Because the age pension is assessed on assets and income. So that is obviously as your super continue to go down. You'll still obviously be invested if you unless you decide to just take everything as a lump sum when you retire. If you just do that the weekly income, then obviously, the rest will continue to be invested. So that will still grow, But, obviously, you are then withdrawing about a thousand dollars per week, so it will go down as well. And then, obviously, the the less you have, that's when then age pension would kick in when the super has dropped below that threshold. And then at about 91, that's when then your super would kind of disappear, and it would just be 8p in based on the way things are tracking right now and, again, obviously, changes to legislation or everything like that. But, again, it is assuming a little bit more defensive returns from age 67. Does that make sense? Yep. Perfect. Now if you want to scroll up for me, I will then kind of show you the actual changes in the investment. So if you can scroll up first to page 15, you should see, yeah, the proposed asset allocation table. Can you see that? Yep. Perfect. So you can see your risk profile, so that high growth, which is that ninety ten slip. We're aiming for around 90% in those growth investments and a 10% in those defensive. You can see your existing, so what you are currently invested in, which is a little bit more defensive, and then you can see the proposed. So the proposed is a little bit more exposure to those growth investments and a little bit less in those defenses. Makes sense? Yep. Perfect. Now what that actually looks like in terms of the investment change is if you can scroll up to page 13 for me, you should have the actual investments. Now this can look a bit overwhelming and messy. But, essentially, what it is, it shows all your investments, what they're called. It shows the little special code. It shows your current weight, so how much you currently have in the investment. It shows the equivalent balance of that proportion, and then you have the buy and sell. So the buy and sell, what you can see in red is what we are either completely selling out of or just reducing the exposure to. Black is what we are either then buying or increasing the exposure. The target weight is then how much we are aiming for from a percentage point of view, And then the target balance is then the the corresponding dollar value. Now, essentially, with the portfolio, how we structure the portfolio stays exactly the same, whether that is a defensive or growth or high growth or aggressive portfolio. The philosophy stays the same. It's just slightly different investments and different allocation in a percentage through them. But how we put it all together is using a core and satellite approach to investing. Have you ever heard of that before, Ricky? No. No. Basically, what it means is that we invest majority of the funds in the core, which basically represents, like, the backbone of the portfolio. And, essentially, these are your very diversified passive index funds. Now these are your biggest shareholding. So you can see, for example, at 35%, you have iShares S and P five hundred. That is 123456, seven down. Now you already have this in your portfolio. We are just increasing the exposure a little bit up to 35%. You may have heard of correct. You may have heard of this investment before, but, essentially, it does invest in the 500 largest companies listed in The US. So, obviously, very diversified because you have 500 companies in that one single investment. So you'll have all the big, you know, Apple, Microsoft, Amazon, all the big companies in The US. So very diversified for you. We also wanna make sure you don't have too too much in one market or just The US exposure, so we wanna make sure we have a well diversified portfolio. So instead of the Benelon that was in your portfolio before, that was that was the one I mentioned last time was slightly underperforming, we still wanna make sure we give you exposure to the Australian market. Now this kind of spills over to the next page, but it's the BetaShares Australia 200 at 25%. Yep. Now, basically, what this is, it is invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths. So, again, all the kind of big companies in Australia, very diversified. And that's why these two have the biggest allocation through them because they are very diversified. Now what we then do, aside from the core investments, is your satellites. Now these are the ones that can be a little bit more dynamic. They are a little bit more specialized in that they target different sectors or regions or asset classes. But that is ultimately what is going to maximize the growth for you. But they can be a little bit more volatile, and that is why we only allocate a smaller portion through these investments. Makes sense. Yep. Now, basically, what that is in the the recommended is that we have 9% in Europe for you. Because, again, we don't wanna make sure we have only US or Australian exposure. We want very well diversified. So 9% invested in Europe, and that one essentially invests in a broad range of, like, your large and mid sized European companies, a range of different countries, but, essentially, the main ones are, like, UK, Germany, France, and Switzerland. So very diversified. We also have 5% in Japan for you to, again, give you well rounded diversification, and then 8% is one that's called your Vanguard All World. You may have heard about Vanguard before. Is it quite big? Yeah. Yeah. They have a range of different investments, but they're massive. Essentially, this investment invests in companies all around the world, but it excludes The US. Because you already have exposure through The US market in that iShares S and P 500, we wanna make sure you don't have too much exposure to one market either. Does that make sense? Yep. Perfect. And then what we also have is we have a little bit of those defensive as well to give you a little bit of that defensive element of limit fluctuations. So you will see about 7% in gold. Now you already had gold in your portfolio. You had it at about 8.41%. So it is just reducing and limit that a little bit for you down through 7% to, again, make sure we move into your high growth instead of your growth. So it's a really good defensive kind of alternative investment, so definitely wanna keep that in your portfolio. And then we have 5% in your fixed interest, your your bank hybrid there for you. Again, you already had it in your portfolio, just reducing that down a little bit to, again, free up phase into your growth investment. Yep. Yep. Perfect. Now I know that's probably a lot to take in, but, essentially, hopefully, that gives you a pretty good insight into the investments. But if it is that you would like to go and read on these investments yourself in a bit more detail, so in the appendix, which is the second document, I have included investment links to each and every single one of these investments so that you can go and have a bit of a read over them if you want to, and you can see exactly all the companies and everything that is in each of these investments if you would like to. Yep. Perfect. And now any questions so far? Yep. The gist of it. No. And I know it can be a bit technical. And sometimes these SOAs, they can be a little bit like, it can be a bit overwhelming. But it's also to make sure that at the end of the day, you understand the recommendation and that you are comfortable with it. Yep. Yep. Perfect. Now let me see here. That basically summarizes everything. So if you want to scroll down through page 21 for me, it just talks about the ongoing remuneration again. So like I mentioned during the under review, no changes whatsoever in regards to the fee structure. That is typically 1.65% from your super balance, but it is capped at 600,000. Because your super balance is over that, you are not being charged anything extra. It just stays at that cap, and you're not being charged any extra with your superannuation continue to grow. Yep. Perfect. There's also no additional fee for charges, obviously, for this advice. And if you do wanna proceed with it, that is all part of that ongoing service. So no additional fees and charges. So, essentially, from here is you can obviously take your time to have a bit of a read over the document. If you have any questions, just send me an email or give me a call, and I'm more than happy to book in another catch up and go through any questions. If you do have a read over the document and it all makes sense and you are happy to go ahead, the way to then move forward would be where you are right now in the document is that it will then just ask you for your signature, and then automatically date it. That will then send it back to me, and that tells me that you are happy with the recommendation. Now what I do want to show you as well is in the appendix. So if you just to show you that aggressive comparison as well, because I know it was something that you were interested in looking at. So if you can click, I think, next for me, or there should be a little drop down depending on how you are viewing it where it will allow you to see the next attachment. Yep. Yep. Is there, like, another cover page? No. Mhmm. Okay. Okay. What I might do then is I will just send you an email with the appendix so you can have a look at it for you. It should be that that we've had a bit of an issue with the the software sometimes. I had my previous client as well not being able to see the appendix, So maybe they're going through a bit of a glitch. So what I will do is I will just send you an email with the appendix so that you can have a look at it. Basically, what it is, it gives you access to those investment links I mentioned, And I've then also included a comparison between the recommended high growth I have made versus an aggressive portfolio. Now with the aggressive portfolio, like I mentioned, it is higher capital gains tax because there are more investment changes we have to make to get you into that aggressive portfolio. But the investment fees, because you are in, again, higher growth components, The investment fees are quite a bit more expensive as well. Along with the returns wasn't a massive difference. So using a five year rolling average, recommended was 12.55. Aggressive was 12.68. So slightly better, but only by 0.13%. But when factoring in the capital gains tax and the investment fees being more expensive, it just wouldn't put you in as good of a position, even looking five five years or through age 65. So, therefore, I just didn't make the recommendation because I couldn't justify you taking on more risk if it's not warranted in the fees and the returns, if that makes sense. Yep. But what I will do is I will send you that email so you can have have a read over it. Like I said, take your time. Have a read over the document. Any questions, let me know. Otherwise, I'll keep a look at to see how you're going with everything. And like I said, if you are happy to go ahead, just sign digitally, and it will automatically come back to me, and I will let the team know to proceed with that. Perfect. Yes. If you just yeah. If you just call that 1300 number, and you can just ask directly for me, and they will then transfer you to me. Or if I'm on the phone, they will just book in the next available or when you're available appointment. But mhmm. I was gonna say, otherwise yeah. I was gonna say because I will email you personally with the appendix, you will also have my direct email address there. If that was what you were going to say. Yes. Yeah. Yes. Yes. You can do that. So do you have any other questions for me, Ricky, before I let you go and enjoy your rest of your afternoon? Mhmm. Yeah. Yeah. Yeah. Yeah. Yes. Yes. Yeah. Perfect. But, yeah, we'll just keep a look at I will send you that email today. Probably within the next half an hour so that you do have it in your inbox, you have my direct email as well. So, yeah, just let me know if you have any questions or if you do wanna talk. You can either just send me an email, and I'll get one of my admins to to book you in, or you can just call the number directly as well. Yep. No. That is no problem. Well, thank you so much for your time this afternoon, Ricky. It was lovely speaking with you, and good luck with your German lessons. No. You too. We'll speak soon. Alright. 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afternoon, Ricky. This is Veronica from ICU Financial. How are you? I'm good. Thanks.\n\nApologies I'm calling a couple of minutes late. My previous appointment was just running a bit longer. So I do apologize. Do you still have time to run over the the recommendation with me? Yeah.\n\nYeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect.\n\nAnd just for security purposes, I do have a password on file. Do you know where that might be? Yep. That's the one. And how's your day been?\n\nBeen busy? Oh, wow. How's that going? Yep. Yeah.\n\nMhmm. Yeah. Yeah. Oh, that's good. Well, if you I don't know if I have told you or if you can hear by my accent, but I'm Swedish.\n\nSo, yeah, Swedish is my first language. English is my second, and I'm having a similar thing with my husband trying to teach him Swedish. And he's like, I cannot do the pronunciation because I'm from the South, so we roll off a lot. So a little bit similar to Germany in some way. But he's like, I physically can't do it.\n\nI was like, it's not hard. Just roll it. And, obviously, it's different when you grow up with it versus, obviously, learning English from the start. So Yeah. Oh, thanks.\n\nYeah. Yeah. Yeah. Yeah. And that's usually the best way to to go about it as well.\n\nLike, my husband say that when we go over to Sweden, because my family is back there, he picks it up quicker. And then when it's been a while since we haven't been there, kind of forgets. But then kind of leaving there is the best way to get the exposure and get a lot better at the language. Let's keep it simple. Yeah.\n\nBut good on you though for doing it. Yeah. Oh, that's good. But, well, Ricky, essentially, I had you booked in to go over your, the recommendation in regards to your super investments. The the research I did for you after our annual review.\n\nNow do you have access to your emails at the moment? Okay. Perfect. So I have just sent you an email with the recommendation if you have the option of getting that one up for me. Yep.\n\nYep. Perfect. So what you will see first is the statement of advice. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in this statement of advice for you just to make sure you fully understand everything. Now it is quite long at 25 pages, but I will just go through the main points for you, and then you can have a read over it as well just to make sure you understand everything, but it is pretty straightforward today.\n\nNow you can see that it has been prepared by myself. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Now if you scroll to page two, you will see the best interest duty outline. Have you heard of this before? Okay.\n\nNo. Sorry. It I mean, it is pretty self explanatory, but it is that we have to act in your best interest at all time. But also that the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation.\n\nDoes that make sense? Yep. Yep. Perfect. Now if you wanna scroll through for me, you will see scope of advice.\n\nEssentially, what this refers to is the areas we are looking at in today's statement of advice, which is simply just your superannuation, looking at increasing that risk exposure a little bit for you now when you're not getting contributions, making sure everything is growing for you before retirement, making sure we have you in the best investments as well, and that is simply it. So pretty straightforward. Now if you want to scroll down so as you kind of keep scrolling, you will see this limited advice on page five. Essentially, just refers back to the scope in the areas we are focusing on today. But I do also have to let you know that I'm not a legal practitioner, so I can't actually give you any legal advice.\n\nCan definitely provide support and guidance on how to structure beneficiary forms and stuff like that, but I can't give you any legal advice since I'm not a lawyer. Yep. Yep. Perfect. Now, essentially, if you can scroll down to page eight for me.\n\nIt's all one more down. Sorry. Sorry. Yeah. It's a bit, yeah, it's a bit funny.\n\nThe page yes. The page number on the page and then what's actually depending on the the program you're opening it with is a little bit different if the cover page counts. Yeah. Can be a bit confusing. But, essentially, this talks about your risk profile.\n\nNow I know when we spoke, we kind of talked about aggressive and high growth, and I have made an assessment for both. Now what I have recommended is the high growth, but I will go through the options. I have included the aggressive in the appendix to show you. But when factoring in capital gains tax and fees and returns, the high growth was actually going to put you in a bit better position, and it means you're taking a little bit less risk as well, which is good. So I have recommended high growth, but I have assessed both for you.\n\nNow what the actual recommendation is is if you can scroll to page 10, it the heading should say, retain your hub 24 superannuation and change your underlying investments. Yes. Yes. Correct. So, basically, these outlines it's a bit wordy, so I'll go through the table, and then I'll let you have a read over it.\n\nBut, essentially, it outlines why the recommendation does align with that best interest duty and factoring in your personal circumstances, capital gains tax, risk tolerance, objectives, and everything like that as well on why this recommendation has put you in a better position. I often find the best way to look at it is if you want to scroll down to page let's see here. 16 for me first. So can you see the fee comparison? K.\n\nYep. So this is usually I find it's an easier way to kind of get a bit of a snapshot of it because it kind of puts all the numbers into perspective. So what I have recommended, you can see your current situation and then the recommended. Now I did consider other super funds for you as well just to make sure the hub twenty four was still going to be the best option for you because there is always new products and features that do come out. So it is important to continue to review that just to make sure.\n\nAfter doing all the research, though, hub twenty four is still very competitive. It's very competitive when it comes to fees, investment choices, and flexibility. So I have recommended that we stay in hub twenty four and literally just change some of those investments and increase the risk to a high growth. Now what we also consider is your capital gains tax. So every time we do sell investments, if they have gone up, there will be capital gains tax applicable when you sell investments.\n\nSo I've tried to keep that as minimal as possible while still making sure we we increase that risk for you and change the investments we want to. So just for your reference, if I were to do a full sell down of all your current investments, the capital gains tax so if, for example, we were to move to a different super fund, the capital gain gains tax would have been around 9,952. So quite substantial, which is good in a way because it means your super has gone up a lot, but also not good because you'd have to pay the tax. Yeah. Sorry.\n\nI've tried to minimize that for you. Now I've got it down to about 2,747. So there is still a bit of a change, so that is something I want you to be mindful of, which is why at the top, you can see the balance difference of 2,747. Can you see that? Yep.\n\nSo that is the estimated tax. Now that does fluctuate on a daily, obviously, with market prices. So it is a bit of an estimate at the time we did everything, but it will be around that 2,747. Now if we were to go through the aggressive portfolio, it would have been about 4,971. Okay?\n\nYep. So that is kind of a disadvantage to be mindful of. But then on the flip side, you can see that by changing the investment, the investment fees has reduced. So in investment fees alone, you are saving about $1,421 per year. So pretty quickly, you will then make up the capital gains tax that would come out of your superannuation just in those investment fee savings alone.\n\nDoes that make sense? Yep. Now everything else kind of stays the same, just changing the investments. Now you can also see that, obviously, aside from the fees being a little bit cheaper, you can see the difference in the returns as well. So you can see that in your current portfolio, the growth portfolio, using a five year rolling average, it's around 9.54%.\n\nThe recommended high growth portfolio is 12.55%. So it has performed better when we are looking at a longer period of time as well, which is great. Something to be mindful of is increasing risk. Short term, you will have a little bit more fluctuations than in a growth portfolio, but then a little bit more long term, we are anticipating obviously seeing higher returns as a result as well. Now, obviously, we can't, yeah, guarantee what is going to happen with the investment returns or the market, but that is why we use a five year rolling average.\n\nBecause if using a five year rolling average, it kind of gives us a little bit more certainty of what has happened in the market and their portfolio as well. Whereas if we use, let's say, a twelve month period, depending on when we use the twelve month period, sometimes it would have looked like you've won the lottery. Other, yes, it wouldn't have been as good. So that's why we do prefer to use the five year rolling average to to kind of factor in that. Now base, base yeah.\n\nNow, basically, then kind of factoring in everything, so the capital gains tax, the fees, and the return, the next page shows you everything kind of compounded. So you can see five, five years and then compounding up to age 67 to show you that difference. So even though there will be a little bit of capital gains tax, the fee savings and the anticipated change in the return is improving the situation for you. So that kind of shows you a a bit of that as well. Now underneath it, you can then also see the performance difference between your current situation and the recommended.\n\nCan you see that? Yeah. So twelve months, three years, five years, and ten years. And you can see across all time frames, the recommended has performed a little bit better than your current growth portfolio, which is good. Any questions so far?\n\nYeah. Yeah. Yep. Yeah. So it's also then kind of coming through the investments and how we structure it.\n\nSo on the next page, actually, you can see just a bit of a retirement income calculator. Now this is quite conservative because it is showing as well from age 67 that we are just going into a completely defensive portfolio, a 5% return. So it can be a little bit more defensive, but I prefer to kind of have a little bit more defensive approach when doing this. And, obviously, it does depend on other assets, changes in legislation, or anything like that. But it does show you a little bit of an assessment.\n\nOkay. Well, if you decide to retire at 67 and draw a weekly income of a thousand dollars per week from superannuation, what that would look like. So you can essentially see the dark green is then your superannuation. So from a starting point, you could take a lot more if you wanted to, but that obviously means it's gonna run out sooner. What it is that anticipated, and, again, obviously, depending on eligibility at the time, is that around age 81, you would then be able to get a little bit of age pension supplemented by your superannuation, which is that kind of light blue color, if that makes sense.\n\nCorrect. Correct. Because the age pension is assessed on assets and income. So that is obviously as your super continue to go down. You'll still obviously be invested if you unless you decide to just take everything as a lump sum when you retire.\n\nIf you just do that the weekly income, then obviously, the rest will continue to be invested. So that will still grow, But, obviously, you are then withdrawing about a thousand dollars per week, so it will go down as well. And then, obviously, the the less you have, that's when then age pension would kick in when the super has dropped below that threshold. And then at about 91, that's when then your super would kind of disappear, and it would just be 8p in based on the way things are tracking right now and, again, obviously, changes to legislation or everything like that. But, again, it is assuming a little bit more defensive returns from age 67.\n\nDoes that make sense? Yep. Perfect. Now if you want to scroll up for me, I will then kind of show you the actual changes in the investment. So if you can scroll up first to page 15, you should see, yeah, the proposed asset allocation table.\n\nCan you see that? Yep. Perfect. So you can see your risk profile, so that high growth, which is that ninety ten slip. We're aiming for around 90% in those growth investments and a 10% in those defensive.\n\nYou can see your existing, so what you are currently invested in, which is a little bit more defensive, and then you can see the proposed. So the proposed is a little bit more exposure to those growth investments and a little bit less in those defenses. Makes sense? Yep. Perfect.\n\nNow what that actually looks like in terms of the investment change is if you can scroll up to page 13 for me, you should have the actual investments. Now this can look a bit overwhelming and messy. But, essentially, what it is, it shows all your investments, what they're called. It shows the little special code. It shows your current weight, so how much you currently have in the investment.\n\nIt shows the equivalent balance of that proportion, and then you have the buy and sell. So the buy and sell, what you can see in red is what we are either completely selling out of or just reducing the exposure to. Black is what we are either then buying or increasing the exposure. The target weight is then how much we are aiming for from a percentage point of view, And then the target balance is then the the corresponding dollar value. Now, essentially, with the portfolio, how we structure the portfolio stays exactly the same, whether that is a defensive or growth or high growth or aggressive portfolio.\n\nThe philosophy stays the same. It's just slightly different investments and different allocation in a percentage through them. But how we put it all together is using a core and satellite approach to investing. Have you ever heard of that before, Ricky? No.\n\nNo. Basically, what it means is that we invest majority of the funds in the core, which basically represents, like, the backbone of the portfolio. And, essentially, these are your very diversified passive index funds. Now these are your biggest shareholding. So you can see, for example, at 35%, you have iShares S and P five hundred.\n\nThat is 123456, seven down. Now you already have this in your portfolio. We are just increasing the exposure a little bit up to 35%. You may have heard of correct. You may have heard of this investment before, but, essentially, it does invest in the 500 largest companies listed in The US.\n\nSo, obviously, very diversified because you have 500 companies in that one single investment. So you'll have all the big, you know, Apple, Microsoft, Amazon, all the big companies in The US. So very diversified for you. We also wanna make sure you don't have too too much in one market or just The US exposure, so we wanna make sure we have a well diversified portfolio. So instead of the Benelon that was in your portfolio before, that was that was the one I mentioned last time was slightly underperforming, we still wanna make sure we give you exposure to the Australian market.\n\nNow this kind of spills over to the next page, but it's the BetaShares Australia 200 at 25%. Yep. Now, basically, what this is, it is invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths. So, again, all the kind of big companies in Australia, very diversified.\n\nAnd that's why these two have the biggest allocation through them because they are very diversified. Now what we then do, aside from the core investments, is your satellites. Now these are the ones that can be a little bit more dynamic. They are a little bit more specialized in that they target different sectors or regions or asset classes. But that is ultimately what is going to maximize the growth for you.\n\nBut they can be a little bit more volatile, and that is why we only allocate a smaller portion through these investments. Makes sense. Yep. Now, basically, what that is in the the recommended is that we have 9% in Europe for you. Because, again, we don't wanna make sure we have only US or Australian exposure.\n\nWe want very well diversified. So 9% invested in Europe, and that one essentially invests in a broad range of, like, your large and mid sized European companies, a range of different countries, but, essentially, the main ones are, like, UK, Germany, France, and Switzerland. So very diversified. We also have 5% in Japan for you to, again, give you well rounded diversification, and then 8% is one that's called your Vanguard All World. You may have heard about Vanguard before.\n\nIs it quite big? Yeah. Yeah. They have a range of different investments, but they're massive. Essentially, this investment invests in companies all around the world, but it excludes The US.\n\nBecause you already have exposure through The US market in that iShares S and P 500, we wanna make sure you don't have too much exposure to one market either. Does that make sense? Yep. Perfect. And then what we also have is we have a little bit of those defensive as well to give you a little bit of that defensive element of limit fluctuations.\n\nSo you will see about 7% in gold. Now you already had gold in your portfolio. You had it at about 8.41%. So it is just reducing and limit that a little bit for you down through 7% to, again, make sure we move into your high growth instead of your growth. So it's a really good defensive kind of alternative investment, so definitely wanna keep that in your portfolio.\n\nAnd then we have 5% in your fixed interest, your your bank hybrid there for you. Again, you already had it in your portfolio, just reducing that down a little bit to, again, free up phase into your growth investment. Yep. Yep. Perfect.\n\nNow I know that's probably a lot to take in, but, essentially, hopefully, that gives you a pretty good insight into the investments. But if it is that you would like to go and read on these investments yourself in a bit more detail, so in the appendix, which is the second document, I have included investment links to each and every single one of these investments so that you can go and have a bit of a read over them if you want to, and you can see exactly all the companies and everything that is in each of these investments if you would like to. Yep. Perfect. And now any questions so far?\n\nYep. The gist of it. No. And I know it can be a bit technical. And sometimes these SOAs, they can be a little bit like, it can be a bit overwhelming.\n\nBut it's also to make sure that at the end of the day, you understand the recommendation and that you are comfortable with it. Yep. Yep. Perfect. Now let me see here.\n\nThat basically summarizes everything. So if you want to scroll down through page 21 for me, it just talks about the ongoing remuneration again. So like I mentioned during the under review, no changes whatsoever in regards to the fee structure. That is typically 1.65% from your super balance, but it is capped at 600,000. Because your super balance is over that, you are not being charged anything extra.\n\nIt just stays at that cap, and you're not being charged any extra with your superannuation continue to grow. Yep. Perfect. There's also no additional fee for charges, obviously, for this advice. And if you do wanna proceed with it, that is all part of that ongoing service.\n\nSo no additional fees and charges. So, essentially, from here is you can obviously take your time to have a bit of a read over the document. If you have any questions, just send me an email or give me a call, and I'm more than happy to book in another catch up and go through any questions. If you do have a read over the document and it all makes sense and you are happy to go ahead, the way to then move forward would be where you are right now in the document is that it will then just ask you for your signature, and then automatically date it. That will then send it back to me, and that tells me that you are happy with the recommendation.\n\nNow what I do want to show you as well is in the appendix. So if you just to show you that aggressive comparison as well, because I know it was something that you were interested in looking at. So if you can click, I think, next for me, or there should be a little drop down depending on how you are viewing it where it will allow you to see the next attachment. Yep. Yep.\n\nIs there, like, another cover page? No. Mhmm. Okay. Okay.\n\nWhat I might do then is I will just send you an email with the appendix so you can have a look at it for you. It should be that that we've had a bit of an issue with the the software sometimes. I had my previous client as well not being able to see the appendix, So maybe they're going through a bit of a glitch. So what I will do is I will just send you an email with the appendix so that you can have a look at it. Basically, what it is, it gives you access to those investment links I mentioned, And I've then also included a comparison between the recommended high growth I have made versus an aggressive portfolio.\n\nNow with the aggressive portfolio, like I mentioned, it is higher capital gains tax because there are more investment changes we have to make to get you into that aggressive portfolio. But the investment fees, because you are in, again, higher growth components, The investment fees are quite a bit more expensive as well. Along with the returns wasn't a massive difference. So using a five year rolling average, recommended was 12.55. Aggressive was 12.68.\n\nSo slightly better, but only by 0.13%. But when factoring in the capital gains tax and the investment fees being more expensive, it just wouldn't put you in as good of a position, even looking five five years or through age 65. So, therefore, I just didn't make the recommendation because I couldn't justify you taking on more risk if it's not warranted in the fees and the returns, if that makes sense. Yep. But what I will do is I will send you that email so you can have have a read over it.\n\nLike I said, take your time. Have a read over the document. Any questions, let me know. Otherwise, I'll keep a look at to see how you're going with everything. And like I said, if you are happy to go ahead, just sign digitally, and it will automatically come back to me, and I will let the team know to proceed with that.\n\nPerfect. Yes. If you just yeah. If you just call that 1300 number, and you can just ask directly for me, and they will then transfer you to me. Or if I'm on the phone, they will just book in the next available or when you're available appointment.\n\nBut mhmm. I was gonna say, otherwise yeah. I was gonna say because I will email you personally with the appendix, you will also have my direct email address there. If that was what you were going to say. Yes.\n\nYeah. Yes. Yes. You can do that. So do you have any other questions for me, Ricky, before I let you go and enjoy your rest of your afternoon?\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yes. Yeah. Perfect. But, yeah, we'll just keep a look at I will send you that email today.\n\nProbably within the next half an hour so that you do have it in your inbox, you have my direct email as well. So, yeah, just let me know if you have any questions or if you do wanna talk. You can either just send me an email, and I'll get one of my admins to to book you in, or you can just call the number directly as well. Yep. No.\n\nThat is no problem. Well, thank you so much for your time this afternoon, Ricky. It was lovely speaking with you, and good luck with your German lessons. No. You too.\n\nWe'll speak soon. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Ricky.","start":2.96,"end":4.08,"sentiment":"positive","sentiment_score":0.37780968348185223},{"text":"This is Veronica from ICU Financial.","start":4.08,"end":6.02,"sentiment":"neutral","sentiment_score":0.3318386922279994},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2833550175031026},{"text":"I'm good.","start":8.639999,"end":9.36,"sentiment":"positive","sentiment_score":0.365290105342865},{"text":"Thanks.","start":9.36,"end":9.84,"sentiment":"neutral","sentiment_score":0.3237825930118561}],"sentiment":"positive","sentiment_score":0.3352592706680298,"num_words":15,"start":2.96,"end":9.84},{"sentences":[{"text":"Apologies I'm calling a couple of minutes late.","start":9.84,"end":12.48,"sentiment":"neutral","sentiment_score":-0.17461478896439075},{"text":"My previous appointment was just running a bit longer.","start":12.48,"end":15.62,"sentiment":"neutral","sentiment_score":-0.209495570924547},{"text":"So I do apologize.","start":18.435,"end":19.655,"sentiment":"neutral","sentiment_score":-0.13548820093274117},{"text":"Do you still have time to run over the the recommendation with me?","start":21.715,"end":25.654999,"sentiment":"neutral","sentiment_score":0.044951372421704806},{"text":"Yeah.","start":26.755001,"end":27.154999,"sentiment":"neutral","sentiment_score":0.09907100349664688}],"sentiment":"neutral","sentiment_score":-0.08973978310823441,"num_words":35,"start":9.84,"end":27.154999},{"sentences":[{"text":"Yeah.","start":27.154999,"end":27.635,"sentiment":"neutral","sentiment_score":0.19835206866264343},{"text":"Perfect.","start":27.635,"end":28.135,"sentiment":"positive","sentiment_score":0.3801603317260742},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":29.18,"end":36.64,"sentiment":"neutral","sentiment_score":0.050456841315688755},{"text":"Yep.","start":38.22,"end":38.72,"sentiment":"neutral","sentiment_score":0.1597677320241928},{"text":"Perfect.","start":39.02,"end":39.52,"sentiment":"positive","sentiment_score":0.3415842652320862}],"sentiment":"neutral","sentiment_score":0.07706402411515062,"num_words":33,"start":27.154999,"end":39.52},{"sentences":[{"text":"And just for security purposes, I do have a password on file.","start":40.22,"end":44.135002,"sentiment":"neutral","sentiment_score":0.10020503774285316},{"text":"Do you know where that might be?","start":44.135002,"end":45.595,"sentiment":"neutral","sentiment_score":0.04653591981955937},{"text":"Yep.","start":47.415,"end":47.815002,"sentiment":"neutral","sentiment_score":0.1331557035446167},{"text":"That's the one.","start":47.815002,"end":48.715,"sentiment":"neutral","sentiment_score":0.15764292577902475},{"text":"And how's your day been?","start":49.095,"end":50.455,"sentiment":"neutral","sentiment_score":0.10972950160503388}],"sentiment":"neutral","sentiment_score":0.09581942430564336,"num_words":28,"start":40.22,"end":50.455},{"sentences":[{"text":"Been busy?","start":50.455,"end":51.195,"sentiment":"neutral","sentiment_score":0.009056545794010162},{"text":"Oh, wow.","start":59.91,"end":60.65,"sentiment":"neutral","sentiment_score":0.05799291841685772},{"text":"How's that going?","start":60.87,"end":61.93,"sentiment":"neutral","sentiment_score":0.08365386972824733},{"text":"Yep.","start":66.485,"end":66.985,"sentiment":"neutral","sentiment_score":-0.015142864547669888},{"text":"Yeah.","start":73.685005,"end":74.08501,"sentiment":"neutral","sentiment_score":-0.031119167804718018}],"sentiment":"neutral","sentiment_score":0.03764427836156554,"num_words":9,"start":50.455,"end":74.08501},{"sentences":[{"text":"Mhmm.","start":74.08501,"end":74.58501,"sentiment":"neutral","sentiment_score":-0.041815198957920074},{"text":"Yeah.","start":77.205,"end":77.705,"sentiment":"neutral","sentiment_score":-0.10381215810775755},{"text":"Yeah.","start":83.14,"end":83.54,"sentiment":"neutral","sentiment_score":0.027972431853413585},{"text":"Oh, that's good.","start":83.54,"end":84.5,"sentiment":"neutral","sentiment_score":0.16260674595832825},{"text":"Well, if you I don't know if I have told you or if you can hear by my accent, but I'm Swedish.","start":84.5,"end":89.560005,"sentiment":"neutral","sentiment_score":-0.013984416230497036}],"sentiment":"neutral","sentiment_score":0.002232434128278068,"num_words":28,"start":74.08501,"end":89.560005},{"sentences":[{"text":"So, yeah, Swedish is my first language.","start":90.98,"end":93.555,"sentiment":"neutral","sentiment_score":-0.03121462437723364},{"text":"English is my second, and I'm having a similar thing with my husband trying to teach him Swedish.","start":93.695,"end":98.995,"sentiment":"neutral","sentiment_score":-0.09858693844742245},{"text":"And he's like, I cannot do the pronunciation because I'm from the South, so we roll off a lot.","start":99.375,"end":104.815,"sentiment":"neutral","sentiment_score":-0.16123712102049276},{"text":"So a little bit similar to Germany in some way.","start":104.815,"end":108.329994,"sentiment":"neutral","sentiment_score":0.021131769847124816},{"text":"But he's like, I physically can't do it.","start":108.95,"end":111.21,"sentiment":"neutral","sentiment_score":-0.15806457493454218}],"sentiment":"neutral","sentiment_score":-0.09854470101755954,"num_words":62,"start":90.98,"end":111.21},{"sentences":[{"text":"I was like, it's not hard.","start":111.35,"end":112.46999,"sentiment":"neutral","sentiment_score":-0.09070292363564174},{"text":"Just roll it.","start":112.46999,"end":113.27,"sentiment":"neutral","sentiment_score":-0.06436039879918098},{"text":"And, obviously, it's different when you grow up with it versus, obviously, learning English from the start.","start":113.27,"end":118.89,"sentiment":"neutral","sentiment_score":-0.051236753078068006},{"text":"So Yeah.","start":119.935005,"end":124.115,"sentiment":"neutral","sentiment_score":0.03006761148571968},{"text":"Oh, thanks.","start":125.775,"end":126.435,"sentiment":"neutral","sentiment_score":0.2696821540594101}],"sentiment":"neutral","sentiment_score":-0.03362746698160966,"num_words":30,"start":111.35,"end":126.435},{"sentences":[{"text":"Yeah.","start":129.215,"end":129.715,"sentiment":"neutral","sentiment_score":0.010161342099308968},{"text":"Yeah.","start":132.43,"end":132.93,"sentiment":"neutral","sentiment_score":0.01367104984819889},{"text":"Yeah.","start":143.62999,"end":143.87,"sentiment":"neutral","sentiment_score":0.07550160586833954},{"text":"Yeah.","start":143.87,"end":143.95,"sentiment":"neutral","sentiment_score":0.08995233476161957},{"text":"And that's usually the best way to to go about it as well.","start":143.95,"end":147.015,"sentiment":"neutral","sentiment_score":0.15753991042192167}],"sentiment":"neutral","sentiment_score":0.1316061863566146,"num_words":17,"start":129.215,"end":147.015},{"sentences":[{"text":"Like, my husband say that when we go over to Sweden, because my family is back there, he picks it up quicker.","start":147.015,"end":153.575,"sentiment":"neutral","sentiment_score":0.09869191998785193},{"text":"And then when it's been a while since we haven't been there, kind of forgets.","start":153.575,"end":157.67,"sentiment":"neutral","sentiment_score":0.023472375733157},{"text":"But then kind of leaving there is the best way to get the exposure and get a lot better at the language.","start":157.97,"end":163.59,"sentiment":"neutral","sentiment_score":0.04570691372183236},{"text":"Let's keep it simple.","start":174.705,"end":175.925,"sentiment":"neutral","sentiment_score":0.05974391009658575},{"text":"Yeah.","start":177.905,"end":178.30501,"sentiment":"neutral","sentiment_score":0.04210898652672768}],"sentiment":"neutral","sentiment_score":0.059530384445679374,"num_words":64,"start":147.015,"end":178.30501},{"sentences":[{"text":"But good on you though for doing it.","start":178.30501,"end":180.245,"sentiment":"neutral","sentiment_score":0.26062534004449844},{"text":"Yeah.","start":184.16,"end":184.66,"sentiment":"neutral","sentiment_score":0.22937312722206116},{"text":"Oh, that's good.","start":184.72,"end":185.78,"sentiment":"positive","sentiment_score":0.34339554111162823},{"text":"But, well, Ricky, essentially, I had you booked in to go over your, the recommendation in regards to your super investments.","start":186.16,"end":194.26001,"sentiment":"neutral","sentiment_score":0.18388739618517103},{"text":"The the research I did for you after our annual review.","start":195.625,"end":198.92499,"sentiment":"neutral","sentiment_score":0.16246348483995957}],"sentiment":"neutral","sentiment_score":0.20439309372820638,"num_words":44,"start":178.30501,"end":198.92499},{"sentences":[{"text":"Now do you have access to your emails at the moment?","start":199.385,"end":202.205,"sentiment":"neutral","sentiment_score":0.07900347425179048},{"text":"Okay.","start":204.105,"end":204.50499,"sentiment":"positive","sentiment_score":0.3553023338317871},{"text":"Perfect.","start":204.50499,"end":204.985,"sentiment":"positive","sentiment_score":0.6750866174697876},{"text":"So I have just sent you an email with the recommendation if you have the option of getting that one up for me.","start":204.985,"end":213.7,"sentiment":"positive","sentiment_score":0.37168125225150067},{"text":"Yep.","start":216.72,"end":217.22,"sentiment":"neutral","sentiment_score":0.07925116270780563}],"sentiment":"neutral","sentiment_score":0.2845228954746917,"num_words":37,"start":199.385,"end":217.22},{"sentences":[{"text":"Yep.","start":222.64,"end":223.095,"sentiment":"neutral","sentiment_score":0.3059762716293335},{"text":"Perfect.","start":223.335,"end":223.835,"sentiment":"positive","sentiment_score":0.5498011708259583},{"text":"So what you will see first is the statement of advice.","start":224.215,"end":227.995,"sentiment":"neutral","sentiment_score":0.18266391483220187},{"text":"Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in this statement of advice for you just to make sure you fully understand everything.","start":228.615,"end":241.23,"sentiment":"neutral","sentiment_score":0.14522874065571362},{"text":"Now it is quite long at 25 pages, but I will just go through the main points for you, and then you can have a read over it as well just to make sure you understand everything, but it is pretty straightforward today.","start":241.23,"end":253.65,"sentiment":"neutral","sentiment_score":0.15405736737992876}],"sentiment":"neutral","sentiment_score":0.1599758909407841,"num_words":92,"start":222.64,"end":253.65},{"sentences":[{"text":"Now you can see that it has been prepared by myself.","start":254.425,"end":258.205,"sentiment":"neutral","sentiment_score":0.15011422336101532},{"text":"You will see my authorized representative number listed, and I am licensed under Oakview Financial.","start":258.345,"end":264.205,"sentiment":"neutral","sentiment_score":0.10758027335007986},{"text":"Now if you scroll to page two, you will see the best interest duty outline.","start":266.105,"end":271.19,"sentiment":"neutral","sentiment_score":0.04308458616336187},{"text":"Have you heard of this before?","start":271.19,"end":272.57,"sentiment":"neutral","sentiment_score":0.005927213778098426},{"text":"Okay.","start":279.19,"end":279.69,"sentiment":"neutral","sentiment_score":-0.08753438293933868}],"sentiment":"neutral","sentiment_score":0.0804012135292093,"num_words":48,"start":254.425,"end":279.69},{"sentences":[{"text":"No.","start":281.03,"end":281.53,"sentiment":"neutral","sentiment_score":-0.241838276386261},{"text":"Sorry.","start":281.875,"end":282.195,"sentiment":"neutral","sentiment_score":-0.2359471172094345},{"text":"It I mean, it is pretty self explanatory, but it is that we have to act in your best interest at all time.","start":282.195,"end":287.975,"sentiment":"neutral","sentiment_score":-0.033244331812729004},{"text":"But also that the advice itself has to put you in a better position as a result of the advice.","start":288.435,"end":294.375,"sentiment":"neutral","sentiment_score":0.000782577320933342},{"text":"Otherwise, we can't actually make the recommendation.","start":294.82,"end":297.0,"sentiment":"neutral","sentiment_score":-0.22289561586720602}],"sentiment":"neutral","sentiment_score":-0.05359659211423535,"num_words":52,"start":281.03,"end":297.0},{"sentences":[{"text":"Does that make sense?","start":297.78,"end":298.84,"sentiment":"neutral","sentiment_score":-0.051834721118211746},{"text":"Yep.","start":300.18,"end":300.5,"sentiment":"neutral","sentiment_score":0.07584963738918304},{"text":"Yep.","start":300.5,"end":301.0,"sentiment":"neutral","sentiment_score":0.13316413760185242},{"text":"Perfect.","start":301.14,"end":301.64,"sentiment":"neutral","sentiment_score":0.29301750659942627},{"text":"Now if you wanna scroll through for me, you will see scope of advice.","start":302.98,"end":308.465,"sentiment":"neutral","sentiment_score":0.1096988722149815}],"sentiment":"neutral","sentiment_score":0.0871655527679693,"num_words":21,"start":297.78,"end":308.465},{"sentences":[{"text":"Essentially, what this refers to is the areas we are looking at in today's statement of advice, which is simply just your superannuation, looking at increasing that risk exposure a little bit for you now when you're not getting contributions, making sure everything is growing for you before retirement, making sure we have you in the best investments as well, and that is simply it.","start":309.565,"end":333.63998,"sentiment":"neutral","sentiment_score":0.16343055992172315},{"text":"So pretty straightforward.","start":333.63998,"end":334.7,"sentiment":"positive","sentiment_score":0.4148062268892924},{"text":"Now if you want to scroll down so as you kind of keep scrolling, you will see this limited advice on page five.","start":336.615,"end":345.435,"sentiment":"neutral","sentiment_score":0.02674135500970094},{"text":"Essentially, just refers back to the scope in the areas we are focusing on today.","start":345.815,"end":351.035,"sentiment":"neutral","sentiment_score":0.07843334426482519},{"text":"But I do also have to let you know that I'm not a legal practitioner, so I can't actually give you any legal advice.","start":351.33,"end":357.59,"sentiment":"neutral","sentiment_score":-0.09843556660537918}],"sentiment":"neutral","sentiment_score":0.0868961754326637,"num_words":130,"start":309.565,"end":357.59},{"sentences":[{"text":"Can definitely provide support and guidance on how to structure beneficiary forms and stuff like that, but I can't give you any legal advice since I'm not a lawyer.","start":358.05,"end":366.78998,"sentiment":"neutral","sentiment_score":0.08703522204325118},{"text":"Yep.","start":368.635,"end":368.795,"sentiment":"neutral","sentiment_score":0.10176832973957062},{"text":"Yep.","start":368.795,"end":369.295,"sentiment":"neutral","sentiment_score":0.18782910704612732},{"text":"Perfect.","start":369.355,"end":369.855,"sentiment":"positive","sentiment_score":0.4633654356002808},{"text":"Now, essentially, if you can scroll down to page eight for me.","start":371.355,"end":376.73502,"sentiment":"neutral","sentiment_score":0.11771025322377682}],"sentiment":"neutral","sentiment_score":0.10657971250739964,"num_words":44,"start":358.05,"end":376.73502},{"sentences":[{"text":"It's all one more down.","start":379.77,"end":383.37,"sentiment":"neutral","sentiment_score":0.04728777222335338},{"text":"Sorry.","start":383.37,"end":383.85,"sentiment":"neutral","sentiment_score":-0.029265768826007843},{"text":"Sorry.","start":383.85,"end":384.09,"sentiment":"neutral","sentiment_score":-0.027787592262029648},{"text":"Yeah.","start":384.09,"end":384.33,"sentiment":"neutral","sentiment_score":0.0014321990311145782},{"text":"It's a bit, yeah, it's a bit funny.","start":384.33,"end":386.09,"sentiment":"neutral","sentiment_score":-0.025518280686810613}],"sentiment":"neutral","sentiment_score":-0.0014580341521650553,"num_words":16,"start":379.77,"end":386.09},{"sentences":[{"text":"The page yes.","start":386.09,"end":387.45,"sentiment":"neutral","sentiment_score":-0.001604476012289524},{"text":"The page number on the page and then what's actually depending on the the program you're opening it with is a little bit different if the cover page counts.","start":387.45,"end":395.595,"sentiment":"neutral","sentiment_score":-0.007107963416211564},{"text":"Yeah.","start":400.295,"end":400.775,"sentiment":"neutral","sentiment_score":-0.012859459966421127},{"text":"Can be a bit confusing.","start":400.775,"end":401.975,"sentiment":"neutral","sentiment_score":-0.2191744029521942},{"text":"But, essentially, this talks about your risk profile.","start":401.975,"end":404.315,"sentiment":"neutral","sentiment_score":-0.10821811202913523}],"sentiment":"neutral","sentiment_score":-0.04750914647972778,"num_words":46,"start":386.09,"end":404.315},{"sentences":[{"text":"Now I know when we spoke, we kind of talked about aggressive and high growth, and I have made an assessment for both.","start":404.65997,"end":411.72,"sentiment":"neutral","sentiment_score":0.03183841883488323},{"text":"Now what I have recommended is the high growth, but I will go through the options.","start":412.09998,"end":417.24,"sentiment":"neutral","sentiment_score":0.14939511194825172},{"text":"I have included the aggressive in the appendix to show you.","start":417.3,"end":421.865,"sentiment":"neutral","sentiment_score":0.1962856731631539},{"text":"But when factoring in capital gains tax and fees and returns, the high growth was actually going to put you in a bit better position, and it means you're taking a little bit less risk as well, which is good.","start":422.165,"end":433.54498,"sentiment":"neutral","sentiment_score":0.3290388997644186},{"text":"So I have recommended high growth, but I have assessed both for you.","start":434.62997,"end":438.49,"sentiment":"neutral","sentiment_score":0.21830159654984108}],"sentiment":"neutral","sentiment_score":0.2066138308242108,"num_words":103,"start":404.65997,"end":438.49},{"sentences":[{"text":"Now what the actual recommendation is is if you can scroll to page 10, it the heading should say, retain your hub 24 superannuation and change your underlying investments.","start":439.59,"end":453.065,"sentiment":"neutral","sentiment_score":0.10692969272876608},{"text":"Yes.","start":458.245,"end":458.745,"sentiment":"neutral","sentiment_score":0.07943136990070343},{"text":"Yes.","start":460.82,"end":461.32,"sentiment":"neutral","sentiment_score":0.11295673996210098},{"text":"Correct.","start":461.54,"end":462.04,"sentiment":"neutral","sentiment_score":0.13635963201522827},{"text":"So, basically, these outlines it's a bit wordy, so I'll go through the table, and then I'll let you have a read over it.","start":462.26,"end":468.18,"sentiment":"neutral","sentiment_score":0.1854179361835122}],"sentiment":"neutral","sentiment_score":0.14070963034672396,"num_words":56,"start":439.59,"end":468.18},{"sentences":[{"text":"But, essentially, it outlines why the recommendation does align with that best interest duty and factoring in your personal circumstances, capital gains tax, risk tolerance, objectives, and everything like that as well on why this recommendation has put you in a better position.","start":468.18,"end":485.245,"sentiment":"positive","sentiment_score":0.5090004240357598},{"text":"I often find the best way to look at it is if you want to scroll down to page let's see here.","start":485.705,"end":494.41998,"sentiment":"neutral","sentiment_score":0.17473716153339905},{"text":"16 for me first.","start":495.36,"end":497.13998,"sentiment":"neutral","sentiment_score":0.059019885025918484},{"text":"So can you see the fee comparison?","start":504.575,"end":506.355,"sentiment":"neutral","sentiment_score":0.09097253744091306},{"text":"K.","start":507.695,"end":508.095,"sentiment":"neutral","sentiment_score":0.11871013790369034}],"sentiment":"positive","sentiment_score":0.3470497821735871,"num_words":77,"start":468.18,"end":508.095},{"sentences":[{"text":"Yep.","start":508.095,"end":508.575,"sentiment":"neutral","sentiment_score":0.23031537234783173},{"text":"So this is usually I find it's an easier way to kind of get a bit of a snapshot of it because it kind of puts all the numbers into perspective.","start":508.575,"end":515.155,"sentiment":"positive","sentiment_score":0.43880088963816244},{"text":"So what I have recommended, you can see your current situation and then the recommended.","start":516.34,"end":521.0,"sentiment":"neutral","sentiment_score":0.3192857841650645},{"text":"Now I did consider other super funds for you as well just to make sure the hub twenty four was still going to be the best option for you because there is always new products and features that do come out.","start":521.62,"end":533.79504,"sentiment":"positive","sentiment_score":0.34914616331821535},{"text":"So it is important to continue to review that just to make sure.","start":534.015,"end":538.675,"sentiment":"neutral","sentiment_score":0.18095585359976843}],"sentiment":"positive","sentiment_score":0.34940444065792725,"num_words":101,"start":508.095,"end":538.675},{"sentences":[{"text":"After doing all the research, though, hub twenty four is still very competitive.","start":539.695,"end":543.23505,"sentiment":"positive","sentiment_score":0.39897498373801893},{"text":"It's very competitive when it comes to fees, investment choices, and flexibility.","start":543.53503,"end":549.13,"sentiment":"positive","sentiment_score":0.49418006589015323},{"text":"So I have recommended that we stay in hub twenty four and literally just change some of those investments and increase the risk to a high growth.","start":549.75,"end":557.77,"sentiment":"positive","sentiment_score":0.353368075909438},{"text":"Now what we also consider is your capital gains tax.","start":559.935,"end":563.215,"sentiment":"neutral","sentiment_score":-0.02267303466796875},{"text":"So every time we do sell investments, if they have gone up, there will be capital gains tax applicable when you sell investments.","start":563.215,"end":572.59503,"sentiment":"neutral","sentiment_score":-0.03420007326032804}],"sentiment":"neutral","sentiment_score":0.23111107761369032,"num_words":85,"start":539.695,"end":572.59503},{"sentences":[{"text":"So I've tried to keep that as minimal as possible while still making sure we we increase that risk for you and change the investments we want to.","start":573.29,"end":582.18994,"sentiment":"neutral","sentiment_score":0.03175023987257321},{"text":"So just for your reference, if I were to do a full sell down of all your current investments, the capital gains tax so if, for example, we were to move to a different super fund, the capital gain gains tax would have been around 9,952.","start":582.49,"end":600.095,"sentiment":"neutral","sentiment_score":-0.003227785067713779},{"text":"So quite substantial, which is good in a way because it means your super has gone up a lot, but also not good because you'd have to pay the tax.","start":600.395,"end":609.10004,"sentiment":"neutral","sentiment_score":0.08701944276690483},{"text":"Yeah.","start":609.88,"end":610.36,"sentiment":"neutral","sentiment_score":0.029156222939491272},{"text":"Sorry.","start":610.36,"end":610.76,"sentiment":"neutral","sentiment_score":-0.027021104469895363}],"sentiment":"neutral","sentiment_score":0.031634405705603365,"num_words":106,"start":573.29,"end":610.76},{"sentences":[{"text":"I've tried to minimize that for you.","start":610.76,"end":613.26,"sentiment":"neutral","sentiment_score":-0.0028869852955852237},{"text":"Now I've got it down to about 2,747.","start":613.32,"end":618.625,"sentiment":"neutral","sentiment_score":0.08094746712595224},{"text":"So there is still a bit of a change, so that is something I want you to be mindful of, which is why at the top, you can see the balance difference of 2,747.","start":618.84503,"end":630.98,"sentiment":"neutral","sentiment_score":0.014450610779664096},{"text":"Can you see that?","start":630.98,"end":631.96,"sentiment":"neutral","sentiment_score":0.02455401560291648},{"text":"Yep.","start":632.42,"end":632.92,"sentiment":"neutral","sentiment_score":0.04315268248319626}],"sentiment":"neutral","sentiment_score":0.02333445095077709,"num_words":54,"start":610.76,"end":632.92},{"sentences":[{"text":"So that is the estimated tax.","start":633.06,"end":634.9,"sentiment":"neutral","sentiment_score":0.017798250230650108},{"text":"Now that does fluctuate on a daily, obviously, with market prices.","start":634.9,"end":639.0,"sentiment":"neutral","sentiment_score":-0.0035775444385680285},{"text":"So it is a bit of an estimate at the time we did everything, but it will be around that 2,747.","start":639.78,"end":647.285,"sentiment":"neutral","sentiment_score":0.012897358497693426},{"text":"Now if we were to go through the aggressive portfolio, it would have been about 4,971.","start":648.785,"end":659.16,"sentiment":"neutral","sentiment_score":-0.012490849709138274},{"text":"Okay?","start":659.95996,"end":660.45996,"sentiment":"neutral","sentiment_score":0.018279407173395157}],"sentiment":"neutral","sentiment_score":0.002849215506152673,"num_words":55,"start":633.06,"end":660.45996},{"sentences":[{"text":"Yep.","start":661.72,"end":662.22,"sentiment":"neutral","sentiment_score":-0.015076395124197006},{"text":"So that is kind of a disadvantage to be mindful of.","start":663.16,"end":666.62,"sentiment":"neutral","sentiment_score":-0.3056444796648892},{"text":"But then on the flip side, you can see that by changing the investment, the investment fees has reduced.","start":667.07996,"end":675.65497,"sentiment":"neutral","sentiment_score":0.06258565814871538},{"text":"So in investment fees alone, you are saving about $1,421 per year.","start":676.355,"end":684.375,"sentiment":"neutral","sentiment_score":0.16827133173743883},{"text":"So pretty quickly, you will then make up the capital gains tax that would come out of your superannuation just in those investment fee savings alone.","start":684.85,"end":694.71,"sentiment":"neutral","sentiment_score":0.10407020194599262}],"sentiment":"neutral","sentiment_score":0.03676874007003895,"num_words":69,"start":661.72,"end":694.71},{"sentences":[{"text":"Does that make sense?","start":695.33,"end":696.39,"sentiment":"neutral","sentiment_score":0.0810505710542202},{"text":"Yep.","start":699.425,"end":699.905,"sentiment":"neutral","sentiment_score":0.17540428042411804},{"text":"Now everything else kind of stays the same, just changing the investments.","start":699.905,"end":704.405,"sentiment":"neutral","sentiment_score":0.21681282793482146},{"text":"Now you can also see that, obviously, aside from the fees being a little bit cheaper, you can see the difference in the returns as well.","start":704.945,"end":713.22,"sentiment":"neutral","sentiment_score":0.27873522673661894},{"text":"So you can see that in your current portfolio, the growth portfolio, using a five year rolling average, it's around 9.54%.","start":713.36,"end":724.25995,"sentiment":"neutral","sentiment_score":0.1722632199525833}],"sentiment":"neutral","sentiment_score":0.21821881271898746,"num_words":64,"start":695.33,"end":724.25995},{"sentences":[{"text":"The recommended high growth portfolio is 12.55%.","start":724.995,"end":730.535,"sentiment":"neutral","sentiment_score":0.2648281433752605},{"text":"So it has performed better when we are looking at a longer period of time as well, which is great.","start":731.075,"end":736.455,"sentiment":"positive","sentiment_score":0.38153073787689207},{"text":"Something to be mindful of is increasing risk.","start":736.995,"end":739.65,"sentiment":"neutral","sentiment_score":-0.04072613548487425},{"text":"Short term, you will have a little bit more fluctuations than in a growth portfolio, but then a little bit more long term, we are anticipating obviously seeing higher returns as a result as well.","start":739.89,"end":751.665,"sentiment":"neutral","sentiment_score":0.1286376844559397},{"text":"Now, obviously, we can't, yeah, guarantee what is going to happen with the investment returns or the market, but that is why we use a five year rolling average.","start":753.745,"end":764.565,"sentiment":"neutral","sentiment_score":0.006266831259789138}],"sentiment":"neutral","sentiment_score":0.13982484585633784,"num_words":99,"start":724.995,"end":764.565},{"sentences":[{"text":"Because if using a five year rolling average, it kind of gives us a little bit more certainty of what has happened in the market and their portfolio as well.","start":764.8,"end":772.82,"sentiment":"neutral","sentiment_score":0.13862049654126168},{"text":"Whereas if we use, let's say, a twelve month period, depending on when we use the twelve month period, sometimes it would have looked like you've won the lottery.","start":773.52,"end":781.645,"sentiment":"neutral","sentiment_score":-0.06138467724467146},{"text":"Other, yes, it wouldn't have been as good.","start":782.185,"end":784.28503,"sentiment":"neutral","sentiment_score":-0.18857583031058311},{"text":"So that's why we do prefer to use the five year rolling average to to kind of factor in that.","start":784.42505,"end":789.965,"sentiment":"neutral","sentiment_score":0.09644411355257035},{"text":"Now base, base yeah.","start":790.42505,"end":792.82,"sentiment":"neutral","sentiment_score":0.1434115469455719}],"sentiment":"neutral","sentiment_score":0.03705913266474074,"num_words":91,"start":764.8,"end":792.82},{"sentences":[{"text":"Now, basically, then kind of factoring in everything, so the capital gains tax, the fees, and the return, the next page shows you everything kind of compounded.","start":792.88,"end":803.22003,"sentiment":"neutral","sentiment_score":0.10122663527727127},{"text":"So you can see five, five years and then compounding up to age 67 to show you that difference.","start":804.73505,"end":811.635,"sentiment":"neutral","sentiment_score":0.0959472056282194},{"text":"So even though there will be a little bit of capital gains tax, the fee savings and the anticipated change in the return is improving the situation for you.","start":812.09503,"end":822.73,"sentiment":"positive","sentiment_score":0.4044527108299321},{"text":"So that kind of shows you a a bit of that as well.","start":823.27,"end":826.09,"sentiment":"neutral","sentiment_score":0.3318205773830414},{"text":"Now underneath it, you can then also see the performance difference between your current situation and the recommended.","start":826.47,"end":836.185,"sentiment":"neutral","sentiment_score":0.11299513404568036}],"sentiment":"neutral","sentiment_score":0.2135172131348331,"num_words":106,"start":792.88,"end":836.185},{"sentences":[{"text":"Can you see that?","start":836.965,"end":838.025,"sentiment":"neutral","sentiment_score":0.09024176746606827},{"text":"Yeah.","start":838.885,"end":839.385,"sentiment":"neutral","sentiment_score":0.18736231327056885},{"text":"So twelve months, three years, five years, and ten years.","start":839.525,"end":842.885,"sentiment":"neutral","sentiment_score":0.180170413851738},{"text":"And you can see across all time frames, the recommended has performed a little bit better than your current growth portfolio, which is good.","start":842.885,"end":852.24,"sentiment":"neutral","sentiment_score":0.23292541038244963},{"text":"Any questions so far?","start":852.24,"end":853.78,"sentiment":"neutral","sentiment_score":0.1696375049650669}],"sentiment":"neutral","sentiment_score":0.20043705559747163,"num_words":43,"start":836.965,"end":853.78},{"sentences":[{"text":"Yeah.","start":860.24,"end":860.74,"sentiment":"neutral","sentiment_score":0.06749124079942703},{"text":"Yeah.","start":865.055,"end":865.555,"sentiment":"neutral","sentiment_score":0.03346407413482666},{"text":"Yep.","start":865.69495,"end":866.19495,"sentiment":"neutral","sentiment_score":0.04651851579546928},{"text":"Yeah.","start":868.095,"end":868.57495,"sentiment":"neutral","sentiment_score":0.07258628308773041},{"text":"So it's also then kind of coming through the investments and how we structure it.","start":868.57495,"end":872.415,"sentiment":"neutral","sentiment_score":0.1255416378378868}],"sentiment":"neutral","sentiment_score":0.1106939305992503,"num_words":19,"start":860.24,"end":872.415},{"sentences":[{"text":"So on the next page, actually, you can see just a bit of a retirement income calculator.","start":872.415,"end":877.63495,"sentiment":"neutral","sentiment_score":0.11742585108560674},{"text":"Now this is quite conservative because it is showing as well from age 67 that we are just going into a completely defensive portfolio, a 5% return.","start":878.55,"end":893.29,"sentiment":"positive","sentiment_score":0.4191791851211477},{"text":"So it can be a little bit more defensive, but I prefer to kind of have a little bit more defensive approach when doing this.","start":894.095,"end":900.19495,"sentiment":"neutral","sentiment_score":0.22576391458511352},{"text":"And, obviously, it does depend on other assets, changes in legislation, or anything like that.","start":900.735,"end":907.63495,"sentiment":"neutral","sentiment_score":0.01635448063413302},{"text":"But it does show you a little bit of an assessment.","start":907.79004,"end":910.29004,"sentiment":"neutral","sentiment_score":0.24919210374355316}],"sentiment":"neutral","sentiment_score":0.23099584928468653,"num_words":95,"start":872.415,"end":910.29004},{"sentences":[{"text":"Okay.","start":910.51,"end":910.91003,"sentiment":"neutral","sentiment_score":0.17799349129199982},{"text":"Well, if you decide to retire at 67 and draw a weekly income of a thousand dollars per week from superannuation, what that would look like.","start":910.91003,"end":922.335,"sentiment":"neutral","sentiment_score":0.14545902896385926},{"text":"So you can essentially see the dark green is then your superannuation.","start":922.41504,"end":927.79504,"sentiment":"neutral","sentiment_score":0.12273912628491719},{"text":"So from a starting point, you could take a lot more if you wanted to, but that obviously means it's gonna run out sooner.","start":928.255,"end":934.835,"sentiment":"neutral","sentiment_score":-0.00018722595026095766},{"text":"What it is that anticipated, and, again, obviously, depending on eligibility at the time, is that around age 81, you would then be able to get a little bit of age pension supplemented by your superannuation, which is that kind of light blue color, if that makes sense.","start":935.87994,"end":957.285,"sentiment":"neutral","sentiment_score":0.09146804036572576}],"sentiment":"neutral","sentiment_score":0.08845738986053982,"num_words":111,"start":910.51,"end":957.285},{"sentences":[{"text":"Correct.","start":964.0,"end":964.5,"sentiment":"neutral","sentiment_score":0.07861987501382828},{"text":"Correct.","start":966.39996,"end":966.89996,"sentiment":"neutral","sentiment_score":0.137663334608078},{"text":"Because the age pension is assessed on assets and income.","start":966.96,"end":971.38,"sentiment":"neutral","sentiment_score":0.07369778826832771},{"text":"So that is obviously as your super continue to go down.","start":972.16,"end":975.11505,"sentiment":"neutral","sentiment_score":0.08520157702944496},{"text":"You'll still obviously be invested if you unless you decide to just take everything as a lump sum when you retire.","start":975.11505,"end":980.17505,"sentiment":"neutral","sentiment_score":0.1396542014110656}],"sentiment":"neutral","sentiment_score":0.10961856066503307,"num_words":44,"start":964.0,"end":980.17505},{"sentences":[{"text":"If you just do that the weekly income, then obviously, the rest will continue to be invested.","start":980.955,"end":986.015,"sentiment":"neutral","sentiment_score":0.1760732220376239},{"text":"So that will still grow, But, obviously, you are then withdrawing about a thousand dollars per week, so it will go down as well.","start":986.075,"end":992.75995,"sentiment":"neutral","sentiment_score":0.1712314865241448},{"text":"And then, obviously, the the less you have, that's when then age pension would kick in when the super has dropped below that threshold.","start":993.22,"end":1001.63995,"sentiment":"neutral","sentiment_score":-0.17918928999764225},{"text":"And then at about 91, that's when then your super would kind of disappear, and it would just be 8p in based on the way things are tracking right now and, again, obviously, changes to legislation or everything like that.","start":1002.315,"end":1017.03,"sentiment":"neutral","sentiment_score":-0.10019636610522867},{"text":"But, again, it is assuming a little bit more defensive returns from age 67.","start":1017.19,"end":1022.39,"sentiment":"neutral","sentiment_score":-0.05453971307724714}],"sentiment":"neutral","sentiment_score":-0.016547505344663347,"num_words":119,"start":980.955,"end":1022.39},{"sentences":[{"text":"Does that make sense?","start":1022.39,"end":1023.53,"sentiment":"neutral","sentiment_score":0.030629200860857964},{"text":"Yep.","start":1024.47,"end":1024.97,"sentiment":"neutral","sentiment_score":0.2424899786710739},{"text":"Perfect.","start":1025.11,"end":1025.61,"sentiment":"positive","sentiment_score":0.5158862471580505},{"text":"Now if you want to scroll up for me, I will then kind of show you the actual changes in the investment.","start":1026.55,"end":1034.605,"sentiment":"neutral","sentiment_score":0.13004018129272896},{"text":"So if you can scroll up first to page 15, you should see, yeah, the proposed asset allocation table.","start":1034.6649,"end":1042.505,"sentiment":"neutral","sentiment_score":0.06657551111359346}],"sentiment":"neutral","sentiment_score":0.10652578146533763,"num_words":47,"start":1022.39,"end":1042.505},{"sentences":[{"text":"Can you see that?","start":1042.505,"end":1043.645,"sentiment":"neutral","sentiment_score":0.03877883404493332},{"text":"Yep.","start":1044.6,"end":1044.84,"sentiment":"neutral","sentiment_score":0.12915894389152527},{"text":"Perfect.","start":1044.84,"end":1045.34,"sentiment":"positive","sentiment_score":0.4215350151062012},{"text":"So you can see your risk profile, so that high growth, which is that ninety ten slip.","start":1045.7999,"end":1051.26,"sentiment":"neutral","sentiment_score":0.02665341755046564},{"text":"We're aiming for around 90% in those growth investments and a 10% in those defensive.","start":1051.48,"end":1057.58,"sentiment":"neutral","sentiment_score":0.11132537201046944}],"sentiment":"neutral","sentiment_score":0.07444205193927414,"num_words":38,"start":1042.505,"end":1057.58},{"sentences":[{"text":"You can see your existing, so what you are currently invested in, which is a little bit more defensive, and then you can see the proposed.","start":1058.505,"end":1067.085,"sentiment":"neutral","sentiment_score":0.012851341555898007},{"text":"So the proposed is a little bit more exposure to those growth investments and a little bit less in those defenses.","start":1067.545,"end":1074.45,"sentiment":"neutral","sentiment_score":-0.15114745320308776},{"text":"Makes sense?","start":1076.67,"end":1077.49,"sentiment":"neutral","sentiment_score":0.030105206184089184},{"text":"Yep.","start":1078.43,"end":1078.93,"sentiment":"neutral","sentiment_score":0.07675962150096893},{"text":"Perfect.","start":1079.07,"end":1079.57,"sentiment":"neutral","sentiment_score":0.2416810244321823}],"sentiment":"neutral","sentiment_score":-0.04826099173549343,"num_words":51,"start":1058.505,"end":1079.57},{"sentences":[{"text":"Now what that actually looks like in terms of the investment change is if you can scroll up to page 13 for me, you should have the actual investments.","start":1080.91,"end":1092.585,"sentiment":"neutral","sentiment_score":0.026424645735272045},{"text":"Now this can look a bit overwhelming and messy.","start":1092.725,"end":1095.465,"sentiment":"neutral","sentiment_score":-0.14060891502433354},{"text":"But, essentially, what it is, it shows all your investments, what they're called.","start":1096.405,"end":1101.0499,"sentiment":"neutral","sentiment_score":0.01648792137320225},{"text":"It shows the little special code.","start":1101.11,"end":1102.97,"sentiment":"neutral","sentiment_score":0.04046098981052637},{"text":"It shows your current weight, so how much you currently have in the investment.","start":1103.35,"end":1108.0099,"sentiment":"neutral","sentiment_score":-0.02062697894871235}],"sentiment":"neutral","sentiment_score":-0.004659637992440815,"num_words":71,"start":1080.91,"end":1108.0099},{"sentences":[{"text":"It shows the equivalent balance of that proportion, and then you have the buy and sell.","start":1108.71,"end":1116.355,"sentiment":"neutral","sentiment_score":-0.006830993108451366},{"text":"So the buy and sell, what you can see in red is what we are either completely selling out of or just reducing the exposure to.","start":1116.495,"end":1126.515,"sentiment":"neutral","sentiment_score":-0.15008073586684006},{"text":"Black is what we are either then buying or increasing the exposure.","start":1127.01,"end":1130.9501,"sentiment":"neutral","sentiment_score":-0.10861835194130738},{"text":"The target weight is then how much we are aiming for from a percentage point of view, And then the target balance is then the the corresponding dollar value.","start":1132.13,"end":1144.3551,"sentiment":"neutral","sentiment_score":0.03736410765298482},{"text":"Now, essentially, with the portfolio, how we structure the portfolio stays exactly the same, whether that is a defensive or growth or high growth or aggressive portfolio.","start":1145.4551,"end":1159.49,"sentiment":"neutral","sentiment_score":0.2203670423477888}],"sentiment":"neutral","sentiment_score":0.015624127452346412,"num_words":110,"start":1108.71,"end":1159.49},{"sentences":[{"text":"The philosophy stays the same.","start":1160.4299,"end":1162.59,"sentiment":"positive","sentiment_score":0.33717037439346315},{"text":"It's just slightly different investments and different allocation in a percentage through them.","start":1162.59,"end":1167.89,"sentiment":"neutral","sentiment_score":0.17602882763514152},{"text":"But how we put it all together is using a core and satellite approach to investing.","start":1168.235,"end":1173.615,"sentiment":"neutral","sentiment_score":0.28832919243723154},{"text":"Have you ever heard of that before, Ricky?","start":1173.915,"end":1175.775,"sentiment":"neutral","sentiment_score":0.040266675408929586},{"text":"No.","start":1177.8351,"end":1178.3351,"sentiment":"neutral","sentiment_score":-0.2198117971420288}],"sentiment":"neutral","sentiment_score":0.20208872828719227,"num_words":43,"start":1160.4299,"end":1178.3351},{"sentences":[{"text":"No.","start":1178.475,"end":1178.9551,"sentiment":"neutral","sentiment_score":-0.18110287189483645},{"text":"Basically, what it means is that we invest majority of the funds in the core, which basically represents, like, the backbone of the portfolio.","start":1178.9551,"end":1188.23,"sentiment":"neutral","sentiment_score":0.0956642022356391},{"text":"And, essentially, these are your very diversified passive index funds.","start":1188.61,"end":1192.63,"sentiment":"neutral","sentiment_score":0.15467245280742645},{"text":"Now these are your biggest shareholding.","start":1192.85,"end":1194.71,"sentiment":"neutral","sentiment_score":0.21602239708105722},{"text":"So you can see, for example, at 35%, you have iShares S and P five hundred.","start":1195.33,"end":1203.595,"sentiment":"neutral","sentiment_score":0.13161344500258565}],"sentiment":"neutral","sentiment_score":0.12392126337478035,"num_words":57,"start":1178.475,"end":1203.595},{"sentences":[{"text":"That is 123456, seven down.","start":1203.895,"end":1207.035,"sentiment":"neutral","sentiment_score":0.06437365785241127},{"text":"Now you already have this in your portfolio.","start":1207.655,"end":1209.835,"sentiment":"neutral","sentiment_score":0.2036732044070959},{"text":"We are just increasing the exposure a little bit up to 35%.","start":1210.23,"end":1214.57,"sentiment":"neutral","sentiment_score":0.17743475983540216},{"text":"You may have heard of correct.","start":1215.11,"end":1217.69,"sentiment":"neutral","sentiment_score":0.03676452270398537},{"text":"You may have heard of this investment before, but, essentially, it does invest in the 500 largest companies listed in The US.","start":1217.83,"end":1226.115,"sentiment":"neutral","sentiment_score":0.04597245884889906}],"sentiment":"neutral","sentiment_score":0.10023494855553475,"num_words":53,"start":1203.895,"end":1226.115},{"sentences":[{"text":"So, obviously, very diversified because you have 500 companies in that one single investment.","start":1226.595,"end":1232.675,"sentiment":"neutral","sentiment_score":0.16989502630063466},{"text":"So you'll have all the big, you know, Apple, Microsoft, Amazon, all the big companies in The US.","start":1232.675,"end":1237.575,"sentiment":"neutral","sentiment_score":0.13474813890126017},{"text":"So very diversified for you.","start":1237.875,"end":1240.26,"sentiment":"neutral","sentiment_score":0.3265602499246597},{"text":"We also wanna make sure you don't have too too much in one market or just The US exposure, so we wanna make sure we have a well diversified portfolio.","start":1241.38,"end":1249.3201,"sentiment":"neutral","sentiment_score":0.08780682807167371},{"text":"So instead of the Benelon that was in your portfolio before, that was that was the one I mentioned last time was slightly underperforming, we still wanna make sure we give you exposure to the Australian market.","start":1249.86,"end":1261.735,"sentiment":"neutral","sentiment_score":0.005602097289787757}],"sentiment":"neutral","sentiment_score":0.0892142361531464,"num_words":104,"start":1226.595,"end":1261.735},{"sentences":[{"text":"Now this kind of spills over to the next page, but it's the BetaShares Australia 200 at 25%.","start":1262.115,"end":1270.53,"sentiment":"neutral","sentiment_score":0.05271863999466101},{"text":"Yep.","start":1272.75,"end":1273.25,"sentiment":"neutral","sentiment_score":0.11560289561748505},{"text":"Now, basically, what this is, it is invests in the 200 largest companies listed on the ASX.","start":1273.39,"end":1280.29,"sentiment":"neutral","sentiment_score":0.12252218013300616},{"text":"So you will have companies like Commonwealth and BHP and Woolworths.","start":1280.925,"end":1284.545,"sentiment":"neutral","sentiment_score":0.123044405979189},{"text":"So, again, all the kind of big companies in Australia, very diversified.","start":1284.765,"end":1289.3451,"sentiment":"positive","sentiment_score":0.47405234972635907}],"sentiment":"neutral","sentiment_score":0.17270393458084535,"num_words":59,"start":1262.115,"end":1289.3451},{"sentences":[{"text":"And that's why these two have the biggest allocation through them because they are very diversified.","start":1289.805,"end":1295.9851,"sentiment":"positive","sentiment_score":0.5181118454784155},{"text":"Now what we then do, aside from the core investments, is your satellites.","start":1297.14,"end":1303.9601,"sentiment":"neutral","sentiment_score":0.11542772960204345},{"text":"Now these are the ones that can be a little bit more dynamic.","start":1304.66,"end":1308.6,"sentiment":"neutral","sentiment_score":0.14868910438739336},{"text":"They are a little bit more specialized in that they target different sectors or regions or asset classes.","start":1308.8201,"end":1316.515,"sentiment":"neutral","sentiment_score":0.12318079339133368},{"text":"But that is ultimately what is going to maximize the growth for you.","start":1317.295,"end":1321.955,"sentiment":"positive","sentiment_score":0.34396838339475483}],"sentiment":"neutral","sentiment_score":0.25222125526976913,"num_words":73,"start":1289.805,"end":1321.955},{"sentences":[{"text":"But they can be a little bit more volatile, and that is why we only allocate a smaller portion through these investments.","start":1322.415,"end":1329.7101,"sentiment":"neutral","sentiment_score":0.00490211204371669},{"text":"Makes sense.","start":1332.65,"end":1333.37,"sentiment":"neutral","sentiment_score":0.1456725373864174},{"text":"Yep.","start":1333.37,"end":1333.87,"sentiment":"neutral","sentiment_score":0.10334186255931854},{"text":"Now, basically, what that is in the the recommended is that we have 9% in Europe for you.","start":1334.09,"end":1342.7251,"sentiment":"neutral","sentiment_score":0.1398370290795962},{"text":"Because, again, we don't wanna make sure we have only US or Australian exposure.","start":1342.7251,"end":1347.385,"sentiment":"neutral","sentiment_score":0.09424010983535222}],"sentiment":"neutral","sentiment_score":0.07612213093722076,"num_words":57,"start":1322.415,"end":1347.385},{"sentences":[{"text":"We want very well diversified.","start":1347.8451,"end":1349.7051,"sentiment":"neutral","sentiment_score":0.2743939608335495},{"text":"So 9% invested in Europe, and that one essentially invests in a broad range of, like, your large and mid sized European companies, a range of different countries, but, essentially, the main ones are, like, UK, Germany, France, and Switzerland.","start":1350.0851,"end":1365.81,"sentiment":"neutral","sentiment_score":0.1962763164192438},{"text":"So very diversified.","start":1366.43,"end":1367.73,"sentiment":"positive","sentiment_score":0.34218402703603107},{"text":"We also have 5% in Japan for you to, again, give you well rounded diversification, and then 8% is one that's called your Vanguard All World.","start":1369.065,"end":1381.245,"sentiment":"neutral","sentiment_score":0.3088884175970004},{"text":"You may have heard about Vanguard before.","start":1381.5449,"end":1384.0449,"sentiment":"neutral","sentiment_score":0.03223333188465664}],"sentiment":"neutral","sentiment_score":0.22847292250321236,"num_words":81,"start":1347.8451,"end":1384.0449},{"sentences":[{"text":"Is it quite big?","start":1385.32,"end":1386.3799,"sentiment":"neutral","sentiment_score":0.027683531865477562},{"text":"Yeah.","start":1387.32,"end":1387.82,"sentiment":"neutral","sentiment_score":0.01933729276061058},{"text":"Yeah.","start":1388.7599,"end":1389.08,"sentiment":"neutral","sentiment_score":0.04041273146867752},{"text":"They have a range of different investments, but they're massive.","start":1389.08,"end":1391.4199,"sentiment":"neutral","sentiment_score":0.07100717723369598},{"text":"Essentially, this investment invests in companies all around the world, but it excludes The US.","start":1391.8799,"end":1399.5549,"sentiment":"neutral","sentiment_score":0.04339081719517708}],"sentiment":"neutral","sentiment_score":0.049400586514703686,"num_words":31,"start":1385.32,"end":1399.5549},{"sentences":[{"text":"Because you already have exposure through The US market in that iShares S and P 500, we wanna make sure you don't have too much exposure to one market either.","start":1399.5549,"end":1409.875,"sentiment":"neutral","sentiment_score":0.015681596472859383},{"text":"Does that make sense?","start":1409.875,"end":1410.9349,"sentiment":"neutral","sentiment_score":0.05494592245668173},{"text":"Yep.","start":1412.44,"end":1412.94,"sentiment":"neutral","sentiment_score":0.16171061992645264},{"text":"Perfect.","start":1413.0,"end":1413.5,"sentiment":"positive","sentiment_score":0.4366683065891266},{"text":"And then what we also have is we have a little bit of those defensive as well to give you a little bit of that defensive element of limit fluctuations.","start":1414.2,"end":1425.6599,"sentiment":"neutral","sentiment_score":0.20843511422475178}],"sentiment":"neutral","sentiment_score":0.11426763541319153,"num_words":66,"start":1399.5549,"end":1425.6599},{"sentences":[{"text":"So you will see about 7% in gold.","start":1427.715,"end":1431.155,"sentiment":"neutral","sentiment_score":0.20162116922438145},{"text":"Now you already had gold in your portfolio.","start":1431.155,"end":1433.415,"sentiment":"neutral","sentiment_score":0.17883102409541607},{"text":"You had it at about 8.41%.","start":1434.035,"end":1437.335,"sentiment":"neutral","sentiment_score":0.21377109239498773},{"text":"So it is just reducing and limit that a little bit for you down through 7% to, again, make sure we move into your high growth instead of your growth.","start":1437.795,"end":1448.35,"sentiment":"neutral","sentiment_score":0.2954158375660578},{"text":"So it's a really good defensive kind of alternative investment, so definitely wanna keep that in your portfolio.","start":1448.49,"end":1454.35,"sentiment":"positive","sentiment_score":0.7583358950085111}],"sentiment":"positive","sentiment_score":0.38341093340090343,"num_words":70,"start":1427.715,"end":1454.35},{"sentences":[{"text":"And then we have 5% in your fixed interest, your your bank hybrid there for you.","start":1455.2051,"end":1461.0651,"sentiment":"positive","sentiment_score":0.37997029162943363},{"text":"Again, you already had it in your portfolio, just reducing that down a little bit to, again, free up phase into your growth investment.","start":1461.285,"end":1469.4651,"sentiment":"positive","sentiment_score":0.39989897049963474},{"text":"Yep.","start":1471.36,"end":1471.86,"sentiment":"neutral","sentiment_score":0.20344719290733335},{"text":"Yep.","start":1472.48,"end":1472.96,"sentiment":"neutral","sentiment_score":0.2970520257949829},{"text":"Perfect.","start":1472.96,"end":1473.36,"sentiment":"positive","sentiment_score":0.5362502932548523}],"sentiment":"positive","sentiment_score":0.38869417372138,"num_words":43,"start":1455.2051,"end":1473.36},{"sentences":[{"text":"Now I know that's probably a lot to take in, but, essentially, hopefully, that gives you a pretty good insight into the investments.","start":1473.36,"end":1481.94,"sentiment":"neutral","sentiment_score":0.3136905930612398},{"text":"But if it is that you would like to go and read on these investments yourself in a bit more detail, so in the appendix, which is the second document, I have included investment links to each and every single one of these investments so that you can go and have a bit of a read over them if you want to, and you can see exactly all the companies and everything that is in each of these investments if you would like to.","start":1482.5149,"end":1506.12,"sentiment":"neutral","sentiment_score":0.1778394284525088},{"text":"Yep.","start":1507.46,"end":1507.96,"sentiment":"neutral","sentiment_score":0.16057658195495603},{"text":"Perfect.","start":1509.155,"end":1509.655,"sentiment":"positive","sentiment_score":0.5115501284599304},{"text":"And now any questions so far?","start":1509.755,"end":1513.1749,"sentiment":"neutral","sentiment_score":0.22351849327484766}],"sentiment":"neutral","sentiment_score":0.21014463739550632,"num_words":115,"start":1473.36,"end":1513.1749},{"sentences":[{"text":"Yep.","start":1519.395,"end":1519.895,"sentiment":"neutral","sentiment_score":0.06232708692550659},{"text":"The gist of it.","start":1524.13,"end":1525.27,"sentiment":"neutral","sentiment_score":0.04932629782706499},{"text":"No.","start":1525.49,"end":1525.8099,"sentiment":"neutral","sentiment_score":-0.03808236122131348},{"text":"And I know it can be a bit technical.","start":1525.8099,"end":1527.91,"sentiment":"neutral","sentiment_score":-0.06477133557200432},{"text":"And sometimes these SOAs, they can be a little bit like, it can be a bit overwhelming.","start":1528.13,"end":1532.23,"sentiment":"neutral","sentiment_score":-0.07101734245524687}],"sentiment":"neutral","sentiment_score":-0.049021466402336955,"num_words":32,"start":1519.395,"end":1532.23},{"sentences":[{"text":"But it's also to make sure that at the end of the day, you understand the recommendation and that you are comfortable with it.","start":1533.2451,"end":1541.665,"sentiment":"neutral","sentiment_score":0.18876364858200154},{"text":"Yep.","start":1543.5651,"end":1544.0651,"sentiment":"neutral","sentiment_score":0.15859228372573853},{"text":"Yep.","start":1545.39,"end":1545.89,"sentiment":"neutral","sentiment_score":0.2351720929145813},{"text":"Perfect.","start":1546.03,"end":1546.53,"sentiment":"positive","sentiment_score":0.5292711853981018},{"text":"Now let me see here.","start":1546.99,"end":1548.8301,"sentiment":"neutral","sentiment_score":0.17978541553020477}],"sentiment":"neutral","sentiment_score":0.19850906892679632,"num_words":32,"start":1533.2451,"end":1548.8301},{"sentences":[{"text":"That basically summarizes everything.","start":1548.8301,"end":1551.3301,"sentiment":"neutral","sentiment_score":0.0728149302303791},{"text":"So if you want to scroll down through page 21 for me, it just talks about the ongoing remuneration again.","start":1552.35,"end":1562.545,"sentiment":"neutral","sentiment_score":0.09290598370134831},{"text":"So like I mentioned during the under review, no changes whatsoever in regards to the fee structure.","start":1563.165,"end":1569.665,"sentiment":"neutral","sentiment_score":0.11472318956957143},{"text":"That is typically 1.65% from your super balance, but it is capped at 600,000.","start":1570.525,"end":1579.9401,"sentiment":"neutral","sentiment_score":0.15041593675102508},{"text":"Because your super balance is over that, you are not being charged anything extra.","start":1580.64,"end":1586.0801,"sentiment":"neutral","sentiment_score":0.2728841762457575}],"sentiment":"neutral","sentiment_score":0.145302539124437,"num_words":69,"start":1548.8301,"end":1586.0801},{"sentences":[{"text":"It just stays at that cap, and you're not being charged any extra with your superannuation continue to grow.","start":1586.0801,"end":1592.375,"sentiment":"neutral","sentiment_score":0.2841487966085735},{"text":"Yep.","start":1593.7949,"end":1594.2949,"sentiment":"neutral","sentiment_score":0.2759053707122803},{"text":"Perfect.","start":1594.515,"end":1595.015,"sentiment":"positive","sentiment_score":0.7592586874961853},{"text":"There's also no additional fee for charges, obviously, for this advice.","start":1595.635,"end":1599.715,"sentiment":"positive","sentiment_score":0.5471422428434546},{"text":"And if you do wanna proceed with it, that is all part of that ongoing service.","start":1599.715,"end":1605.16,"sentiment":"positive","sentiment_score":0.5459120199084282}],"sentiment":"positive","sentiment_score":0.4413989204913378,"num_words":48,"start":1586.0801,"end":1605.16},{"sentences":[{"text":"So no additional fees and charges.","start":1605.54,"end":1607.8,"sentiment":"positive","sentiment_score":0.3747953772544861},{"text":"So, essentially, from here is you can obviously take your time to have a bit of a read over the document.","start":1608.1001,"end":1614.92,"sentiment":"positive","sentiment_score":0.5035862298238845},{"text":"If you have any questions, just send me an email or give me a call, and I'm more than happy to book in another catch up and go through any questions.","start":1615.06,"end":1622.645,"sentiment":"positive","sentiment_score":0.6288856671702477},{"text":"If you do have a read over the document and it all makes sense and you are happy to go ahead, the way to then move forward would be where you are right now in the document is that it will then just ask you for your signature, and then automatically date it.","start":1623.345,"end":1641.31,"sentiment":"positive","sentiment_score":0.49127514126165855},{"text":"That will then send it back to me, and that tells me that you are happy with the recommendation.","start":1641.31,"end":1646.3251,"sentiment":"positive","sentiment_score":0.528583288192749}],"sentiment":"positive","sentiment_score":0.5261554133433562,"num_words":130,"start":1605.54,"end":1646.3251},{"sentences":[{"text":"Now what I do want to show you as well is in the appendix.","start":1647.3451,"end":1652.645,"sentiment":"neutral","sentiment_score":0.17752516003591673},{"text":"So if you just to show you that aggressive comparison as well, because I know it was something that you were interested in looking at.","start":1653.665,"end":1662.27,"sentiment":"neutral","sentiment_score":0.1602270084619522},{"text":"So if you can click, I think, next for me, or there should be a little drop down depending on how you are viewing it where it will allow you to see the next attachment.","start":1662.33,"end":1672.35,"sentiment":"neutral","sentiment_score":0.0701608028795038},{"text":"Yep.","start":1675.635,"end":1676.135,"sentiment":"neutral","sentiment_score":-0.0016522228252142668},{"text":"Yep.","start":1690.69,"end":1691.09,"sentiment":"neutral","sentiment_score":-0.010304160416126251}],"sentiment":"neutral","sentiment_score":0.11756183117885437,"num_words":76,"start":1647.3451,"end":1691.09},{"sentences":[{"text":"Is there, like, another cover page?","start":1691.09,"end":1693.67,"sentiment":"neutral","sentiment_score":-0.07472342625260353},{"text":"No.","start":1694.69,"end":1695.19,"sentiment":"neutral","sentiment_score":-0.2689031958580017},{"text":"Mhmm.","start":1698.705,"end":1699.205,"sentiment":"neutral","sentiment_score":-0.03751956671476364},{"text":"Okay.","start":1704.545,"end":1705.045,"sentiment":"neutral","sentiment_score":-0.02771725133061409},{"text":"Okay.","start":1706.9451,"end":1707.425,"sentiment":"neutral","sentiment_score":-0.011012675240635872}],"sentiment":"neutral","sentiment_score":-0.07934932466596364,"num_words":10,"start":1691.09,"end":1707.425},{"sentences":[{"text":"What I might do then is I will just send you an email with the appendix so you can have a look at it for you.","start":1707.425,"end":1716.48,"sentiment":"neutral","sentiment_score":0.09625144489109516},{"text":"It should be that that we've had a bit of an issue with the the software sometimes.","start":1716.48,"end":1721.3,"sentiment":"neutral","sentiment_score":-0.22615255897535996},{"text":"I had my previous client as well not being able to see the appendix, So maybe they're going through a bit of a glitch.","start":1721.4401,"end":1727.5549,"sentiment":"neutral","sentiment_score":-0.2829721538970868},{"text":"So what I will do is I will just send you an email with the appendix so that you can have a look at it.","start":1727.5549,"end":1733.495,"sentiment":"neutral","sentiment_score":0.10824538797140121},{"text":"Basically, what it is, it gives you access to those investment links I mentioned, And I've then also included a comparison between the recommended high growth I have made versus an aggressive portfolio.","start":1734.835,"end":1750.27,"sentiment":"neutral","sentiment_score":0.17472378593502622}],"sentiment":"neutral","sentiment_score":0.0027090560495853424,"num_words":125,"start":1707.425,"end":1750.27},{"sentences":[{"text":"Now with the aggressive portfolio, like I mentioned, it is higher capital gains tax because there are more investment changes we have to make to get you into that aggressive portfolio.","start":1751.37,"end":1761.845,"sentiment":"neutral","sentiment_score":-0.04939116609673346},{"text":"But the investment fees, because you are in, again, higher growth components, The investment fees are quite a bit more expensive as well.","start":1763.185,"end":1773.09,"sentiment":"neutral","sentiment_score":-0.2536415201814278},{"text":"Along with the returns wasn't a massive difference.","start":1774.99,"end":1778.69,"sentiment":"neutral","sentiment_score":-0.11720079928636551},{"text":"So using a five year rolling average, recommended was 12.55.","start":1778.75,"end":1784.2899,"sentiment":"neutral","sentiment_score":0.0035332724452018737},{"text":"Aggressive was 12.68.","start":1785.145,"end":1788.045,"sentiment":"neutral","sentiment_score":-0.04038884490728378}],"sentiment":"neutral","sentiment_score":-0.11184428423643113,"num_words":75,"start":1751.37,"end":1788.045},{"sentences":[{"text":"So slightly better, but only by 0.13%.","start":1788.1849,"end":1793.325,"sentiment":"neutral","sentiment_score":-0.06689596016492162},{"text":"But when factoring in the capital gains tax and the investment fees being more expensive, it just wouldn't put you in as good of a position, even looking five five years or through age 65.","start":1793.705,"end":1808.01,"sentiment":"negative","sentiment_score":-0.3342396774462291},{"text":"So, therefore, I just didn't make the recommendation because I couldn't justify you taking on more risk if it's not warranted in the fees and the returns, if that makes sense.","start":1808.87,"end":1820.6749,"sentiment":"negative","sentiment_score":-0.40089753077876183},{"text":"Yep.","start":1820.6749,"end":1821.1549,"sentiment":"neutral","sentiment_score":0.19287662208080292},{"text":"But what I will do is I will send you that email so you can have have a read over it.","start":1821.1549,"end":1825.815,"sentiment":"neutral","sentiment_score":0.22783107062180838}],"sentiment":"neutral","sentiment_score":-0.2064963661134243,"num_words":95,"start":1788.1849,"end":1825.815},{"sentences":[{"text":"Like I said, take your time.","start":1826.515,"end":1828.135,"sentiment":"neutral","sentiment_score":0.22004305819670358},{"text":"Have a read over the document.","start":1828.2749,"end":1829.5549,"sentiment":"neutral","sentiment_score":0.2142123281955719},{"text":"Any questions, let me know.","start":1829.5549,"end":1832.01,"sentiment":"neutral","sentiment_score":0.16884644627571105},{"text":"Otherwise, I'll keep a look at to see how you're going with everything.","start":1832.0701,"end":1835.4501,"sentiment":"neutral","sentiment_score":0.22082134938010803},{"text":"And like I said, if you are happy to go ahead, just sign digitally, and it will automatically come back to me, and I will let the team know to proceed with that.","start":1835.67,"end":1843.93,"sentiment":"neutral","sentiment_score":0.19264233044602655}],"sentiment":"neutral","sentiment_score":0.20123236502210298,"num_words":63,"start":1826.515,"end":1843.93},{"sentences":[{"text":"Perfect.","start":1843.965,"end":1844.465,"sentiment":"positive","sentiment_score":0.629753828048706},{"text":"Yes.","start":1853.085,"end":1853.485,"sentiment":"neutral","sentiment_score":0.057514339685440063},{"text":"If you just yeah.","start":1853.485,"end":1855.005,"sentiment":"neutral","sentiment_score":0.04984822776168585},{"text":"If you just call that 1300 number, and you can just ask directly for me, and they will then transfer you to me.","start":1855.005,"end":1862.0399,"sentiment":"neutral","sentiment_score":0.11024851659717767},{"text":"Or if I'm on the phone, they will just book in the next available or when you're available appointment.","start":1862.4199,"end":1868.6,"sentiment":"neutral","sentiment_score":0.09357442040192454}],"sentiment":"neutral","sentiment_score":0.10833939475317796,"num_words":48,"start":1843.965,"end":1868.6},{"sentences":[{"text":"But mhmm.","start":1869.86,"end":1872.0399,"sentiment":"neutral","sentiment_score":0.0024127585347741842},{"text":"I was gonna say, otherwise yeah.","start":1872.295,"end":1876.135,"sentiment":"neutral","sentiment_score":-0.009872591899087032},{"text":"I was gonna say because I will email you personally with the appendix, you will also have my direct email address there.","start":1876.135,"end":1882.955,"sentiment":"neutral","sentiment_score":0.03821143982085315},{"text":"If that was what you were going to say.","start":1883.495,"end":1885.995,"sentiment":"neutral","sentiment_score":0.07045571588807636},{"text":"Yes.","start":1887.88,"end":1888.38,"sentiment":"neutral","sentiment_score":0.05684370547533035}],"sentiment":"neutral","sentiment_score":0.03692966975504532,"num_words":40,"start":1869.86,"end":1888.38},{"sentences":[{"text":"Yeah.","start":1889.0801,"end":1889.5801,"sentiment":"neutral","sentiment_score":0.08354523777961731},{"text":"Yes.","start":1892.12,"end":1892.62,"sentiment":"neutral","sentiment_score":0.11920814216136932},{"text":"Yes.","start":1894.04,"end":1894.52,"sentiment":"neutral","sentiment_score":0.3036913275718689},{"text":"You can do that.","start":1894.52,"end":1895.4,"sentiment":"positive","sentiment_score":0.3549647778272629},{"text":"So do you have any other questions for me, Ricky, before I let you go and enjoy your rest of your afternoon?","start":1895.4,"end":1900.38,"sentiment":"neutral","sentiment_score":0.28484305197542364}],"sentiment":"neutral","sentiment_score":0.2825121021476285,"num_words":29,"start":1889.0801,"end":1900.38},{"sentences":[{"text":"Mhmm.","start":1903.645,"end":1904.145,"sentiment":"neutral","sentiment_score":0.009395385161042212},{"text":"Yeah.","start":1907.325,"end":1907.825,"sentiment":"neutral","sentiment_score":0.045993514358997345},{"text":"Yeah.","start":1910.125,"end":1910.625,"sentiment":"neutral","sentiment_score":0.1506398618221283},{"text":"Yeah.","start":1913.34,"end":1913.84,"sentiment":"neutral","sentiment_score":0.1622186005115509},{"text":"Yeah.","start":1916.0599,"end":1916.5599,"sentiment":"neutral","sentiment_score":0.013504112139344215}],"sentiment":"neutral","sentiment_score":0.07635029479861259,"num_words":5,"start":1903.645,"end":1916.5599},{"sentences":[{"text":"Yes.","start":1918.78,"end":1919.28,"sentiment":"neutral","sentiment_score":0.146831214427948},{"text":"Yes.","start":1922.22,"end":1922.72,"sentiment":"neutral","sentiment_score":0.13259869813919067},{"text":"Yeah.","start":1925.915,"end":1926.415,"sentiment":"neutral","sentiment_score":0.28750836849212646},{"text":"Perfect.","start":1926.635,"end":1927.135,"sentiment":"positive","sentiment_score":0.45136892795562744},{"text":"But, yeah, we'll just keep a look at I will send you that email today.","start":1927.355,"end":1930.975,"sentiment":"neutral","sentiment_score":0.15891064455111822}],"sentiment":"neutral","sentiment_score":0.1790508882779824,"num_words":19,"start":1918.78,"end":1930.975},{"sentences":[{"text":"Probably within the next half an hour so that you do have it in your inbox, you have my direct email as well.","start":1932.075,"end":1938.895,"sentiment":"neutral","sentiment_score":0.18852923421756082},{"text":"So, yeah, just let me know if you have any questions or if you do wanna talk.","start":1938.955,"end":1942.5499,"sentiment":"neutral","sentiment_score":0.17410638227182276},{"text":"You can either just send me an email, and I'll get one of my admins to to book you in, or you can just call the number directly as well.","start":1942.85,"end":1949.75,"sentiment":"neutral","sentiment_score":0.10916248622039953},{"text":"Yep.","start":1950.85,"end":1951.35,"sentiment":"positive","sentiment_score":0.5701481103897095},{"text":"No.","start":1952.61,"end":1952.85,"sentiment":"neutral","sentiment_score":0.24188463389873505}],"sentiment":"neutral","sentiment_score":0.1580956696739627,"num_words":72,"start":1932.075,"end":1952.85},{"sentences":[{"text":"That is no problem.","start":1952.85,"end":1953.8099,"sentiment":"positive","sentiment_score":0.3460821881890297},{"text":"Well, thank you so much for your time this afternoon, Ricky.","start":1953.8099,"end":1955.905,"sentiment":"positive","sentiment_score":0.7900575182654641},{"text":"It was lovely speaking with you, and good luck with your German lessons.","start":1955.905,"end":1958.845,"sentiment":"positive","sentiment_score":0.8533073801260728},{"text":"No.","start":1961.9451,"end":1962.4451,"sentiment":"neutral","sentiment_score":0.1073099970817566},{"text":"You too.","start":1963.0651,"end":1963.625,"sentiment":"neutral","sentiment_score":0.13150376453995705}],"sentiment":"positive","sentiment_score":0.6947830619831239,"num_words":31,"start":1952.85,"end":1963.625},{"sentences":[{"text":"We'll speak soon.","start":1963.625,"end":1964.685,"sentiment":"neutral","sentiment_score":0.1549632027745247},{"text":"Alright.","start":1965.4651,"end":1965.9651,"sentiment":"neutral","sentiment_score":0.13958202302455902},{"text":"Bye.","start":1966.265,"end":1966.765,"sentiment":"neutral","sentiment_score":0.1069413647055626}],"sentiment":"neutral","sentiment_score":0.14228259921073913,"num_words":5,"start":1963.625,"end":1966.765}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. How are you? That's not right. How dare you. Yeah. Okay. Yeah. Yeah. For sure. Yep. No worries. Alright. It should be Charlie. Yep. Yeah. Not really. No. I'm just, yeah, just learn I'm trying to learn German, so I'm just been sort of focusing on that today. So yeah. Which is, yeah, which is it's interesting. I mean, I'm my parents are German, so they never really taught me when I was younger. So I'm familiar with a lot of words, but it's getting the big words now. I'm trying to get my tongue around the pronunciation, which is yeah. It's quite challenging because, you know, you don't have the the role of the tongue, I guess, and the the correct pronunciation, but we're getting there slowly. Yep. Okay. Yeah. Okay. Right. Yep. Of course. Yeah. But I mean, we're getting there. I mean, I'll never speak, yeah, fluent as I mean, you're pretty good English, I must say. But but just yeah. People yeah. You get I get you can I guess that it's not your native tongue, I guess? But we'll get there as long as I can understand because we're planning on to Germany probably in a cup next year or the year after for, yeah, a month or two. So, yeah, just wanna challenge myself. Yep. Yep. Mhmm. Exactly right. Yeah. Exactly. Yeah. My mom tries to teach me. Yeah. My mom's idea where she sort of, you know, talks at, you know, big things, and I'm like, I haven't got to that point yet, mom. But yeah. So I'm kinda using Google Translate as well, which worked well. Oh, thank you. Thank you. Thank you. We'll get that started. Yep. Yeah. Mhmm. Yep. I'm just getting that up now. Sorry. Alright. So I've got it open. Mhmm. Yep. Yep. Yep. Probably not in the context that you're about to tell me, but let's just say no. Mhmm. Yes. Yes. Yep. Yep. Yep. Yeah. That's understandable. Yeah. Yep. Master Asset and Liabilities. Now one more, dear. Your risk profile? Oh, okay. Right. I'm look yep. Okay. Alright. Yeah. Because I'm looking at it says nine, but then I see now I'm page eight. Yeah. Mhmm. Mhmm. Yep. K. Yep. Mhmm. So page 10, did you say? Strategy strategy recommendations? Yep. Yep. 16. 14, fifteenth. Yep. That's yep. Mhmm. Yep. Yep. Mhmm. Yep. Right. Mhmm. Yeah. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yeah. Mhmm. Okay. Yep. Makes sense. Yep. Yeah. Yeah. That makes sense. Yeah. Mhmm. Yep. Yep. Okay. Yep. No problem. No. I don't I mean, other numbers are all crunching, but they kinda make sense about everything. Yeah. Like, what you're saying, I I kind of I've got an an idea of, you know, how what the world works, I guess. So it's always a gamble. But yeah. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Right. Yep. That's because, obviously, the total amount of what you have in the bank is, you know, going down. Yeah. Okay. Yep. Yep. Yep. Okay. Yes. Yep. Perfect. 15. Yep. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Mhmm. Right. Mhmm. Okay. No. Not really. Mhmm. Yep. From 20 seven. Yep. Yeah. Okay. K. Okay. Mhmm. Yep. Right. Yeah. I can see that. Yep. Mhmm. Alright. Yeah. Right. Yep. Makes sense. Mhmm. I've heard of the name. Yeah. Heard of yep. Right. Yeah. Yeah. For sure. Yeah. Mhmm. Yep. Right. Yep. Makes sense. Yeah. Mhmm. Okay. Yes. No problem. No. I sort of I've kinda get an understanding of what you're trying what you're saying, but, yeah, details and fine details, maybe not. But I can, yeah, get a a gist of what you're saying. Yeah. For sure. Mhmm. Yep. Yeah. That that's yep. Yep. Okay. No problem. Mhmm. Mhmm. No problem. Yeah. Mhmm. Agnes. Hang on. So hang on. No. No. It says decline. No. That's not what I want. There's that. No. Okay. Hang on. Next. Let's sign. No. It says it's no. So it just goes down to page 24, but then if I keep clicking next, it just goes to the the prefilled sign page. There's no other document. Mhmm. Yep. Okay. Yeah. Yep. Yeah. That makes sense. Yeah. No problem. Easy. I can do that. What's the the best contact number? Is that the 1300 number if I wanted to call you? Is that the best number to call? Yep. Yep. Okay. And in sorry? The email to go for it? Okay. Cool. Because I've noticed that it's got the yeah. Yeah. Because it's just got a generic info at Oakview email. So I'm just, like, just in case I've got any questions, just direct them to you. Alright. Perfect. Okay. No. It's I mean, it's I'll have it read through, and I'll yeah. I'll probably do that tomorrow and then sign it off tomorrow once I've had a read through. But yeah. But, I mean, it's all pretty much self explanatory anyway, so I'm happy with with all that anyway. But yeah. No. I'll probably just go through with with this one, but I just yeah. Send the other link just so I can have a have a look, compare a little bit. But, yeah, that sounds sounds pretty good. Here we go. Yep. Perfect. Awesome. Thank you kindly. Appreciate it. No worries. Thank you very much. You have a good week. Okay. Take care. Bye. 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I'm good. How are you? That's not right. How dare you.\n\nYeah. Okay. Yeah. Yeah. For sure.\n\nYep. No worries. Alright. It should be Charlie. Yep.\n\nYeah. Not really. No. I'm just, yeah, just learn I'm trying to learn German, so I'm just been sort of focusing on that today. So yeah.\n\nWhich is, yeah, which is it's interesting. I mean, I'm my parents are German, so they never really taught me when I was younger. So I'm familiar with a lot of words, but it's getting the big words now. I'm trying to get my tongue around the pronunciation, which is yeah. It's quite challenging because, you know, you don't have the the role of the tongue, I guess, and the the correct pronunciation, but we're getting there slowly.\n\nYep. Okay. Yeah. Okay. Right.\n\nYep. Of course. Yeah. But I mean, we're getting there. I mean, I'll never speak, yeah, fluent as I mean, you're pretty good English, I must say.\n\nBut but just yeah. People yeah. You get I get you can I guess that it's not your native tongue, I guess? But we'll get there as long as I can understand because we're planning on to Germany probably in a cup next year or the year after for, yeah, a month or two. So, yeah, just wanna challenge myself.\n\nYep. Yep. Mhmm. Exactly right. Yeah.\n\nExactly. Yeah. My mom tries to teach me. Yeah. My mom's idea where she sort of, you know, talks at, you know, big things, and I'm like, I haven't got to that point yet, mom.\n\nBut yeah. So I'm kinda using Google Translate as well, which worked well. Oh, thank you. Thank you. Thank you.\n\nWe'll get that started. Yep. Yeah. Mhmm. Yep.\n\nI'm just getting that up now. Sorry. Alright. So I've got it open. Mhmm.\n\nYep. Yep. Yep. Probably not in the context that you're about to tell me, but let's just say no. Mhmm.\n\nYes. Yes. Yep. Yep. Yep.\n\nYeah. That's understandable. Yeah. Yep. Master Asset and Liabilities.\n\nNow one more, dear. Your risk profile? Oh, okay. Right. I'm look yep.\n\nOkay. Alright. Yeah. Because I'm looking at it says nine, but then I see now I'm page eight. Yeah.\n\nMhmm. Mhmm. Yep. K. Yep.\n\nMhmm. So page 10, did you say? Strategy strategy recommendations? Yep. Yep.\n\n16. 14, fifteenth. Yep. That's yep. Mhmm.\n\nYep. Yep. Mhmm. Yep. Right.\n\nMhmm. Yeah. Yep. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nMhmm. Okay. Yep. Makes sense. Yep.\n\nYeah. Yeah. That makes sense. Yeah. Mhmm.\n\nYep. Yep. Okay. Yep. No problem.\n\nNo. I don't I mean, other numbers are all crunching, but they kinda make sense about everything. Yeah. Like, what you're saying, I I kind of I've got an an idea of, you know, how what the world works, I guess. So it's always a gamble.\n\nBut yeah. Mhmm. Yep. Yep. Yep.\n\nMhmm. Yep. Right. Yep. That's because, obviously, the total amount of what you have in the bank is, you know, going down.\n\nYeah. Okay. Yep. Yep. Yep.\n\nOkay. Yes. Yep. Perfect. 15.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nMhmm. Yep. Yep. Mhmm. Mhmm.\n\nRight. Mhmm. Okay. No. Not really.\n\nMhmm. Yep. From 20 seven. Yep. Yeah.\n\nOkay. K. Okay. Mhmm. Yep.\n\nRight. Yeah. I can see that. Yep. Mhmm.\n\nAlright. Yeah. Right. Yep. Makes sense.\n\nMhmm. I've heard of the name. Yeah. Heard of yep. Right.\n\nYeah. Yeah. For sure. Yeah. Mhmm.\n\nYep. Right. Yep. Makes sense. Yeah.\n\nMhmm. Okay. Yes. No problem. No.\n\nI sort of I've kinda get an understanding of what you're trying what you're saying, but, yeah, details and fine details, maybe not. But I can, yeah, get a a gist of what you're saying. Yeah. For sure. Mhmm.\n\nYep. Yeah. That that's yep. Yep. Okay.\n\nNo problem. Mhmm. Mhmm. No problem. Yeah.\n\nMhmm. Agnes. Hang on. So hang on. No.\n\nNo. It says decline. No. That's not what I want. There's that.\n\nNo. Okay. Hang on. Next. Let's sign.\n\nNo. It says it's no. So it just goes down to page 24, but then if I keep clicking next, it just goes to the the prefilled sign page. There's no other document. Mhmm.\n\nYep. Okay. Yeah. Yep. Yeah.\n\nThat makes sense. Yeah. No problem. Easy. I can do that.\n\nWhat's the the best contact number? Is that the 1300 number if I wanted to call you? Is that the best number to call? Yep. Yep.\n\nOkay. And in sorry? The email to go for it? Okay. Cool.\n\nBecause I've noticed that it's got the yeah. Yeah. Because it's just got a generic info at Oakview email. So I'm just, like, just in case I've got any questions, just direct them to you. Alright.\n\nPerfect. Okay. No. It's I mean, it's I'll have it read through, and I'll yeah. I'll probably do that tomorrow and then sign it off tomorrow once I've had a read through.\n\nBut yeah. But, I mean, it's all pretty much self explanatory anyway, so I'm happy with with all that anyway. But yeah. No. I'll probably just go through with with this one, but I just yeah.\n\nSend the other link just so I can have a have a look, compare a little bit. But, yeah, that sounds sounds pretty good. Here we go. Yep. Perfect.\n\nAwesome. Thank you kindly. Appreciate it. No worries. Thank you very much.\n\nYou have a good week. Okay. Take care. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.047057438641786575},{"text":"I'm good.","start":6.96,"end":7.44,"sentiment":"positive","sentiment_score":0.463492289185524},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"positive","sentiment_score":0.33688188592592877},{"text":"That's not right.","start":12.719999,"end":13.605,"sentiment":"neutral","sentiment_score":-0.19237960875034332},{"text":"How dare 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yeah.","start":1915.6901,"end":1919.05,"sentiment":"neutral","sentiment_score":0.04509721080271097}],"sentiment":"neutral","sentiment_score":0.11138227111142543,"num_words":36,"start":1909.085,"end":1919.05},{"sentences":[{"text":"Send the other link just so I can have a have a look, compare a little bit.","start":1919.05,"end":1923.53,"sentiment":"neutral","sentiment_score":0.16050891183754978},{"text":"But, yeah, that sounds sounds pretty good.","start":1923.53,"end":1925.355,"sentiment":"positive","sentiment_score":0.482067951134273},{"text":"Here we go.","start":1926.875,"end":1927.775,"sentiment":"neutral","sentiment_score":0.21520563960075378},{"text":"Yep.","start":1935.595,"end":1936.095,"sentiment":"neutral","sentiment_score":0.13374394178390503},{"text":"Perfect.","start":1949.85,"end":1950.35,"sentiment":"positive","sentiment_score":0.7254167795181274}],"sentiment":"neutral","sentiment_score":0.2623415448028466,"num_words":29,"start":1919.05,"end":1950.35},{"sentences":[{"text":"Awesome.","start":1950.535,"end":1950.935,"sentiment":"positive","sentiment_score":0.7698310613632202},{"text":"Thank you kindly.","start":1950.935,"end":1951.915,"sentiment":"positive","sentiment_score":0.7725598017374674},{"text":"Appreciate it.","start":1952.055,"end":1953.035,"sentiment":"positive","sentiment_score":0.7144328355789185},{"text":"No worries.","start":1958.935,"end":1959.755,"sentiment":"positive","sentiment_score":0.4129137247800827},{"text":"Thank you very much.","start":1960.135,"end":1961.175,"sentiment":"positive","sentiment_score":0.7323677986860275}],"sentiment":"positive","sentiment_score":0.6893062318364779,"num_words":12,"start":1950.535,"end":1961.175},{"sentences":[{"text":"You have a good week.","start":1961.175,"end":1962.2609,"sentiment":"positive","sentiment_score":0.5409142434597015},{"text":"Okay.","start":1964.8209,"end":1965.0609,"sentiment":"neutral","sentiment_score":0.1265355497598648},{"text":"Take care.","start":1965.0609,"end":1965.5409,"sentiment":"neutral","sentiment_score":0.17647285759449005},{"text":"Bye.","start":1965.5409,"end":1966.0409,"sentiment":"neutral","sentiment_score":0.13931433856487274},{"text":"Bye.","start":1966.5009,"end":1967.0009,"sentiment":"neutral","sentiment_score":-0.10311785340309144}],"sentiment":"neutral","sentiment_score":0.3220248967409134,"num_words":10,"start":1961.175,"end":1967.0009}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Ricky. This is Veronica from ICU Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm good. Thanks. Apologies I'm calling a couple of minutes late. My previous\n\nChannel 1: That's not\n\nChannel 0: appointment\n\nChannel 1: right.\n\nChannel 0: was just running a bit longer.\n\nChannel 1: How dare you.\n\nChannel 0: So I do apologize.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Do you still have time to run over the the recommendation with me?\n\nChannel 1: Yeah. Yeah. For sure.\n\nChannel 0: Yeah. Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. And just for security purposes, I do have a password on file. Do you know where that might be?\n\nChannel 1: Alright. It should be Charlie.\n\nChannel 0: Yep. That's the one. And\n\nChannel 1: Yep.\n\nChannel 0: how's your day been? Been busy?\n\nChannel 1: Yeah. Not really. No. I'm just, yeah, just learn I'm trying to learn German, so I'm just been sort of focusing on that today. So yeah.\n\nChannel 0: Oh, wow.\n\nChannel 1: Which is, yeah,\n\nChannel 0: How's that\n\nChannel 1: which\n\nChannel 0: going?\n\nChannel 1: is it's interesting. I mean, I'm my parents are German, so they never really\n\nChannel 0: Yep.\n\nChannel 1: taught me when I was younger. So I'm familiar with a lot of words, but it's getting the big words now. I'm trying to get my tongue around the pronunciation,\n\nChannel 0: Yeah.\n\nChannel 1: which is\n\nChannel 0: Mhmm.\n\nChannel 1: yeah. It's quite challenging because, you know,\n\nChannel 0: Yeah.\n\nChannel 1: you don't have the the role of the tongue, I guess, and the the correct pronunciation, but we're getting there slowly.\n\nChannel 0: Yeah. Oh, that's good. Well, if you I don't know if I have told you or if you can hear by my accent, but I'm Swedish.\n\nChannel 1: Yep. Okay. Yeah.\n\nChannel 0: So, yeah, Swedish is my first language. English is my second, and I'm having a similar thing with my husband trying to teach him Swedish. And he's like, I cannot do the pronunciation because I'm from the South, so we roll off a lot. So\n\nChannel 1: Okay.\n\nChannel 0: a little bit\n\nChannel 1: Right.\n\nChannel 0: similar to Germany in some way.\n\nChannel 1: Yep.\n\nChannel 0: But he's like, I physically can't do it. I was like, it's not hard. Just roll it. And, obviously, it's different when you grow up with it versus, obviously, learning English from\n\nChannel 1: Of\n\nChannel 0: the start.\n\nChannel 1: course. Yeah. But\n\nChannel 0: So\n\nChannel 1: I mean, we're getting there. I mean, I'll never speak, yeah, fluent as I mean,\n\nChannel 0: Yeah.\n\nChannel 1: you're pretty good English, I must say. But\n\nChannel 0: Oh, thanks.\n\nChannel 1: but just yeah. People yeah. You get I get you can\n\nChannel 0: Yeah.\n\nChannel 1: I guess that it's not your native tongue, I guess?\n\nChannel 0: Yeah.\n\nChannel 1: But we'll get there as long as I can understand because we're planning on to Germany probably in a cup next year or the year after for, yeah, a month or two. So, yeah, just wanna challenge myself.\n\nChannel 0: Yeah. Yeah. And that's usually\n\nChannel 1: Yep.\n\nChannel 0: the best way to to go about it as well. Like, my husband say that when we go over to Sweden, because my family is back there, he\n\nChannel 1: Yep.\n\nChannel 0: picks\n\nChannel 1: Mhmm.\n\nChannel 0: it up quicker. And then when it's been a while since we haven't been there, kind of forgets. But then kind of leaving there is the best way to get the exposure and get a lot better at the language.\n\nChannel 1: Exactly right. Yeah. Exactly. Yeah. My mom tries to teach me.\n\nYeah. My mom's idea where she sort of, you know, talks at, you know, big things, and I'm like, I haven't got to that point yet, mom. But yeah. So I'm\n\nChannel 0: Let's\n\nChannel 1: kinda using\n\nChannel 0: keep it\n\nChannel 1: Google\n\nChannel 0: simple.\n\nChannel 1: Translate as well,\n\nChannel 0: Yeah.\n\nChannel 1: which\n\nChannel 0: But good\n\nChannel 1: worked\n\nChannel 0: on\n\nChannel 1: well.\n\nChannel 0: you though for doing it.\n\nChannel 1: Oh, thank you. Thank you. Thank you. We'll get that started.\n\nChannel 0: Yeah. Oh, that's good. But, well, Ricky, essentially, I had you booked in to go over your, the recommendation in regards to your super investments.\n\nChannel 1: Yep.\n\nChannel 0: The the research I did for you after our annual review. Now do you have access to your emails at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. So I have just sent you an email with the recommendation if you\n\nChannel 1: Mhmm.\n\nChannel 0: have the option of getting that one up for me.\n\nChannel 1: Yep. I'm just getting that up now.\n\nChannel 0: Yep.\n\nChannel 1: Sorry. Alright. So I've got it open.\n\nChannel 0: Yep. Perfect. So what you will see first is the statement of advice. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in this statement of advice for you just\n\nChannel 1: Mhmm.\n\nChannel 0: to make sure you fully understand everything. Now it is quite long at 25 pages, but I will just go through the main points for you, and then you can\n\nChannel 1: Yep.\n\nChannel 0: have a read over it as well just to make sure you understand everything, but it is pretty straightforward today.\n\nChannel 1: Yep.\n\nChannel 0: Now you can see that it has been prepared by myself. You will see my authorized representative number listed, and I am licensed under Oakview Financial.\n\nChannel 1: Yep.\n\nChannel 0: Now if you scroll to page two, you will see the best interest duty outline. Have you heard of this before?\n\nChannel 1: Probably not in the context that you're about to tell me, but\n\nChannel 0: Okay.\n\nChannel 1: let's just say no.\n\nChannel 0: No. Sorry. It I mean, it is pretty self explanatory, but it is that we have to act in your best interest at all time. But also that the advice itself has to put you in a better position as a result of the advice. Otherwise,\n\nChannel 1: Mhmm.\n\nChannel 0: we can't actually make the recommendation. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Yep. Perfect. Now if you wanna scroll through for me, you will see scope of advice. Essentially, what this refers to is the areas we are looking at in today's statement of advice, which is simply just your superannuation, looking at increasing that risk exposure a little bit for you now when you're not getting contributions,\n\nChannel 1: Yep.\n\nChannel 0: making sure everything is growing for you before retirement, making sure we have you in the best investments as well, and that is simply it. So pretty straightforward.\n\nChannel 1: Yep.\n\nChannel 0: Now if you want to scroll down so as you kind of keep scrolling, you will see this limited advice on page five. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: just refers back to the scope in the areas we are focusing on today. But I do also have to let you know that I'm not a legal practitioner, so I can't actually give you any legal advice. Can definitely provide support and guidance on how to structure beneficiary forms and stuff like that, but I can't give you any legal advice since I'm not a lawyer.\n\nChannel 1: Yeah. That's understandable. Yeah.\n\nChannel 0: Yep. Yep. Perfect. Now, essentially, if you can scroll down to page eight for me.\n\nChannel 1: Yep. Master Asset\n\nChannel 0: It's\n\nChannel 1: and\n\nChannel 0: all\n\nChannel 1: Liabilities.\n\nChannel 0: one more down. Sorry.\n\nChannel 1: Now one\n\nChannel 0: Sorry.\n\nChannel 1: more,\n\nChannel 0: Yeah.\n\nChannel 1: dear.\n\nChannel 0: It's a bit, yeah, it's a bit\n\nChannel 1: Your\n\nChannel 0: funny.\n\nChannel 1: risk\n\nChannel 0: The page yes. The page number on the page and then what's actually\n\nChannel 1: profile?\n\nChannel 0: depending on the the\n\nChannel 1: Oh,\n\nChannel 0: program\n\nChannel 1: okay. Right.\n\nChannel 0: you're opening\n\nChannel 1: I'm look\n\nChannel 0: it with is\n\nChannel 1: yep.\n\nChannel 0: a little\n\nChannel 1: Okay.\n\nChannel 0: bit different if the cover page counts.\n\nChannel 1: Alright. Yeah. Because I'm looking at it says nine, but then I see now I'm page eight. Yeah.\n\nChannel 0: Yeah. Can be a bit confusing. But, essentially, this talks about your risk profile. Now I know when we spoke, we kind of talked about aggressive and high growth, and I have\n\nChannel 1: Mhmm.\n\nChannel 0: made an assessment for both. Now what I have recommended is the high growth, but I will go through the options. I have included the aggressive in the appendix to show you. But\n\nChannel 1: Mhmm.\n\nChannel 0: when factoring in capital gains tax and fees and returns, the high growth was actually going to put you in a bit better position, and it means you're taking a little bit less risk as well, which is good.\n\nChannel 1: Yep.\n\nChannel 0: So I\n\nChannel 1: K.\n\nChannel 0: have recommended high growth, but I have assessed both for you.\n\nChannel 1: Yep.\n\nChannel 0: Now what the actual recommendation is is if you can scroll to page 10,\n\nChannel 1: Mhmm.\n\nChannel 0: it the heading should say, retain your hub 24 superannuation and change your underlying investments.\n\nChannel 1: So page 10, did you say? Strategy\n\nChannel 0: Yes.\n\nChannel 1: strategy recommendations?\n\nChannel 0: Yes. Correct. So,\n\nChannel 1: Yep.\n\nChannel 0: basically, these outlines it's a bit wordy, so I'll go through the table, and then I'll let you have a read over it. But, essentially, it outlines why the recommendation does align with that best interest duty and factoring in your personal circumstances, capital gains tax, risk tolerance, objectives, and everything like that as well on why this recommendation has put you in a better position. I\n\nChannel 1: Yep.\n\nChannel 0: often find the best way to look at it is if you want to scroll down to page let's see here. 16 for me first.\n\nChannel 1: 16. 14, fifteenth. Yep. That's\n\nChannel 0: So can you see the fee comparison?\n\nChannel 1: yep.\n\nChannel 0: K. Yep. So this is usually I find it's an easier way to kind of get a bit of a snapshot of it because it kind of puts all the numbers into perspective.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I have recommended, you can see your current situation and then the recommended. Now I did consider other super funds for you as well just to make sure the hub twenty four was still going to be the best option for you\n\nChannel 1: Yep.\n\nChannel 0: because there is always new products and features that do come out. So it is important to continue to review that just to make sure. After doing all the research, though, hub twenty four is still very competitive. It's very competitive when it comes to fees, investment choices, and flexibility. So I have recommended that we stay in hub twenty four and literally just change some of those investments and increase the risk to a high growth.\n\nChannel 1: Yep.\n\nChannel 0: Now what we also consider is your capital gains tax. So every time we do sell investments, if they have gone up, there will be capital gains tax applicable when you sell investments. So\n\nChannel 1: Mhmm.\n\nChannel 0: I've tried to keep that as minimal as possible while still making sure we we increase that risk for you and change the investments we want to. So just for your reference, if I were to do a full sell down of all your\n\nChannel 1: Yep.\n\nChannel 0: current investments, the capital gains tax so if, for example, we were to move to a different super fund, the capital gain gains tax would have been around 9,952. So\n\nChannel 1: Right.\n\nChannel 0: quite substantial, which is good in a way because it means your super has gone up a lot, but also not good because you'd have to pay the tax.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yeah. Sorry. I've tried to minimize that for you. Now I've got it down to about 2,747. So there is still a bit of a change, so that is something I want you to be mindful of, which is why at the top, you can see the balance difference of 2,747.\n\nCan you\n\nChannel 1: Yep.\n\nChannel 0: see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that is the estimated tax. Now that does fluctuate on a daily, obviously, with market prices. So it is a bit of an estimate at the time we did everything, but it will be around that 2,747. Now\n\nChannel 1: Yep.\n\nChannel 0: if we were to go through the aggressive portfolio, it would have been about 4,971. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that is kind of a disadvantage to be mindful of. But then on the flip side, you can see that by changing the investment, the investment fees has reduced. So in investment fees alone, you are saving about $1,421 per year.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So pretty quickly, you will then make up the capital gains tax that would come out of your superannuation just in those investment fee savings alone. Does that make sense?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep. Now everything else kind of stays the same, just changing the investments. Now you can also see that, obviously, aside from the fees being a little bit cheaper, you can see the difference in the returns as well. So you can see that in your current portfolio, the growth portfolio, using a five year rolling average, it's around 9.54%.\n\nChannel 1: Mhmm.\n\nChannel 0: The recommended high growth portfolio is 12.55%. So it has performed better when we are looking at a longer period of time as well, which is great. Something to be mindful of is increasing risk. Short term, you will have a little bit more fluctuations than in a growth portfolio, but then a little bit more long term, we are anticipating obviously seeing higher returns as a result as well.\n\nChannel 1: Okay. Yep. Makes\n\nChannel 0: Now, obviously,\n\nChannel 1: sense.\n\nChannel 0: we\n\nChannel 1: Yep.\n\nChannel 0: can't, yeah, guarantee what is going to happen with the investment returns or the market, but that is why we use a five year rolling average. Because if using a five year rolling average, it kind of gives us a little bit more certainty of what has happened in the market and their portfolio as well. Whereas if we use, let's say, a twelve month period, depending on when we use the twelve month period, sometimes it would have looked like you've won the lottery. Other, yes, it wouldn't have been as good. So that's\n\nChannel 1: Yeah.\n\nChannel 0: why we do prefer to use the five year rolling average to to kind of factor in that. Now\n\nChannel 1: Yeah. That makes\n\nChannel 0: base,\n\nChannel 1: sense. Yeah.\n\nChannel 0: base yeah. Now, basically, then kind of factoring in everything, so the capital gains tax, the fees, and the return, the next page shows you everything kind of compounded.\n\nChannel 1: Mhmm.\n\nChannel 0: So you can see five, five years and then compounding up to age 67 to show\n\nChannel 1: Yep.\n\nChannel 0: you that difference. So even though there will be a little bit of capital gains tax, the fee savings and the anticipated change in the return is improving the situation for you. So that kind of shows you a a bit of that as well. Now underneath it, you can then also see the performance difference between your current situation and the recommended. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So twelve months, three years, five years, and ten years. And you can see across all time frames, the recommended has performed a little bit better than your current growth portfolio,\n\nChannel 1: Okay.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: is\n\nChannel 1: No problem.\n\nChannel 0: good. Any questions so far?\n\nChannel 1: No. I don't I mean, other numbers are all crunching, but they kinda make sense about everything. Yeah. Like, what you're saying,\n\nChannel 0: Yeah.\n\nChannel 1: I I kind of I've got an an idea of, you know, how what the world works, I guess.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: it's always a gamble. But yeah.\n\nChannel 0: Yeah. So it's also then kind of coming through the investments and how we structure it. So on the next page, actually, you can see just a bit of a retirement income calculator.\n\nChannel 1: Mhmm.\n\nChannel 0: Now this is quite conservative because it is showing as well from age 67 that we are just going into a completely defensive portfolio, a 5% return. So\n\nChannel 1: Yep.\n\nChannel 0: it can be a little bit more defensive, but I prefer to kind of have a little bit more defensive approach when doing this. And, obviously, it does depend on other assets, changes in legislation, or anything like that. But it does show you a little bit of an assessment. Okay. Well, if you decide to retire at 67 and draw a weekly income of a thousand dollars per week from superannuation, what\n\nChannel 1: Yep.\n\nChannel 0: that would look like. So you can essentially see the dark green is\n\nChannel 1: Yep.\n\nChannel 0: then your superannuation. So from a starting point, you could take a lot more if you wanted to, but that obviously means it's gonna run out sooner.\n\nChannel 1: Mhmm.\n\nChannel 0: What it\n\nChannel 1: Yep.\n\nChannel 0: is that anticipated, and, again, obviously, depending on eligibility at the time, is that around age 81, you would then be able to get a little bit of age pension supplemented by your superannuation, which is that kind of light blue color, if that makes sense.\n\nChannel 1: Right. Yep. That's because, obviously, the total amount of what you have in the bank is, you know,\n\nChannel 0: Correct.\n\nChannel 1: going down. Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Okay.\n\nChannel 0: Because the age pension is assessed on assets and income.\n\nChannel 1: Yep.\n\nChannel 0: So that is obviously as your super continue to go down. You'll still obviously be invested if you unless you decide to just take everything as a lump sum when you retire. If you just do that the weekly income, then obviously, the rest will continue to be invested. So that will still grow, But, obviously,\n\nChannel 1: Yep.\n\nChannel 0: you are then withdrawing about a thousand dollars per week, so it will go down as well.\n\nChannel 1: Yep.\n\nChannel 0: And then, obviously,\n\nChannel 1: Okay.\n\nChannel 0: the the less you have, that's when then age pension would kick in when the super has dropped below that threshold. And then at about 91, that's when then your super would kind of disappear, and it would just be 8p in based on the way things are tracking right now and, again, obviously, changes to legislation or everything like that. But, again, it is assuming a little bit more defensive returns from age 67. Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep. Perfect. Now if you want to scroll up for me, I will then kind of show you the actual changes in the investment. So if you can scroll up first to page 15, you should\n\nChannel 1: 15.\n\nChannel 0: see, yeah, the proposed asset allocation table. Can\n\nChannel 1: Yep.\n\nChannel 0: you see\n\nChannel 1: Yep.\n\nChannel 0: that?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. So you can see your risk profile, so that high growth, which is that ninety ten slip. We're aiming for around 90% in those growth investments and a 10% in those defensive. You can see your existing, so what you are currently invested in, which is a little bit more defensive, and then you can see the proposed.\n\nSo the proposed is a little bit more exposure to those growth investments and a little bit less in those defenses.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Makes\n\nChannel 1: Mhmm.\n\nChannel 0: sense? Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now what that actually looks like in terms of the investment change is if you can scroll up to page 13 for me, you should have the actual investments. Now this can look a bit overwhelming and messy. But, essentially, what it is, it shows all your investments, what they're called. It shows the\n\nChannel 1: Yep.\n\nChannel 0: little special code. It shows\n\nChannel 1: Mhmm.\n\nChannel 0: your current weight, so how much you currently have in the investment. It shows the equivalent balance of that proportion, and then you have the buy and sell. So the buy and sell, what you can see in red is what we are either completely selling out of or just reducing the exposure to. Black\n\nChannel 1: Mhmm.\n\nChannel 0: is what we are either then buying or increasing the exposure. The\n\nChannel 1: Right.\n\nChannel 0: target weight is then how much we are aiming for from a percentage point of view,\n\nChannel 1: Mhmm.\n\nChannel 0: And then the target balance is then the the corresponding dollar value. Now,\n\nChannel 1: Okay.\n\nChannel 0: essentially, with the portfolio, how we structure the portfolio stays exactly the same, whether that is a defensive or growth or high growth or aggressive portfolio. The philosophy stays the same. It's just slightly different investments and different allocation in a percentage through them. But how we put it all together is using a core and satellite approach to investing. Have you ever heard of that before, Ricky?\n\nChannel 1: No. Not really.\n\nChannel 0: No. No. Basically, what it means is that we invest majority of the funds in the core, which basically represents, like, the backbone of the portfolio. And, essentially, these are your very diversified passive index funds. Now these are your biggest shareholding.\n\nSo you can see, for example, at 35%, you have iShares S and P five hundred. That\n\nChannel 1: Mhmm.\n\nChannel 0: is 123456, seven down. Now\n\nChannel 1: Yep.\n\nChannel 0: you already have this in your portfolio. We are just increasing the exposure a little bit up to 35%. You\n\nChannel 1: From\n\nChannel 0: may have\n\nChannel 1: 20\n\nChannel 0: heard\n\nChannel 1: seven.\n\nChannel 0: of\n\nChannel 1: Yep.\n\nChannel 0: correct. You\n\nChannel 1: Yeah.\n\nChannel 0: may have\n\nChannel 1: Okay.\n\nChannel 0: heard of this investment before, but, essentially, it does invest in the 500 largest companies listed in The US. So, obviously,\n\nChannel 1: K.\n\nChannel 0: very diversified because you have 500 companies in that one single investment. So you'll have all the big, you know, Apple, Microsoft, Amazon, all the big companies in The US. So\n\nChannel 1: Okay.\n\nChannel 0: very diversified for you. We also\n\nChannel 1: Mhmm.\n\nChannel 0: wanna make sure you don't have too too much in one market or just The US exposure, so we wanna make sure we have a well diversified portfolio. So instead of the Benelon that was in your portfolio before, that was that was the one I mentioned last time was slightly underperforming, we\n\nChannel 1: Yep.\n\nChannel 0: still wanna make sure we give you exposure to the Australian market. Now this kind of spills over to the next page, but it's the BetaShares Australia 200 at 25%.\n\nChannel 1: Right. Yeah. I can see that. Yep.\n\nChannel 0: Yep. Now, basically, what this is, it is invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths. So, again, all the kind of big companies in Australia, very diversified. And that's why these two have the biggest allocation through them because they\n\nChannel 1: Mhmm.\n\nChannel 0: are very diversified.\n\nChannel 1: Alright.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: what we then do, aside from the core investments, is your satellites. Now these are the ones that can be a little bit more dynamic. They are a little bit more specialized in that they target different sectors or regions or asset classes. But that is ultimately what is going to maximize the growth for you. But they can be a little bit more volatile, and that is why we only allocate a smaller portion through these investments.\n\nChannel 1: Right. Yep. Makes sense.\n\nChannel 0: Makes sense. Yep. Now, basically, what that is in the the recommended is that we have 9% in Europe for you. Because, again, we don't wanna make sure we have only US or Australian exposure. We want very well diversified.\n\nSo 9% invested in Europe, and that\n\nChannel 1: Mhmm.\n\nChannel 0: one essentially invests in a broad range of, like, your large and mid sized European companies, a range of different countries, but, essentially, the main ones are, like, UK, Germany, France, and Switzerland. So very diversified. We also have 5% in Japan for you to, again, give you well rounded diversification, and then 8% is one that's called your Vanguard All World. You may have heard about Vanguard before.\n\nChannel 1: I've heard\n\nChannel 0: Is\n\nChannel 1: of\n\nChannel 0: it quite\n\nChannel 1: the\n\nChannel 0: big?\n\nChannel 1: name. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Heard of yep.\n\nChannel 0: Yeah. They have a range of different investments, but they're massive. Essentially, this investment invests in companies all around the world, but it excludes The US. Because you already have exposure through The US market in that iShares S and P 500, we wanna make sure you don't have too much exposure to one market either. Does that make sense?\n\nChannel 1: Right. Yeah. Yeah. For sure.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And then what we also have is we have a little bit of those defensive as well to give you a little bit of that defensive element of limit fluctuations. So you will see about 7% in gold. Now you already had gold in your portfolio. You had it at about 8.41%.\n\nSo it is just reducing and limit that a little bit for you down through 7% to, again,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: make sure we move into your high growth instead of your growth. So it's a really good defensive kind of alternative investment, so definitely wanna keep that in your portfolio. And then we have 5% in your fixed interest, your your bank hybrid there for you. Again, you already had it in your portfolio, just reducing that down a little bit to, again, free up phase into your growth investment.\n\nChannel 1: Right. Yep. Makes\n\nChannel 0: Yep.\n\nChannel 1: sense. Yeah.\n\nChannel 0: Yep. Perfect. Now I know that's probably a lot to take in, but, essentially, hopefully, that gives you a pretty good insight into the investments. But if it is that you would like to go and read on these investments yourself in a bit more detail, so in the appendix, which is the second document, I\n\nChannel 1: Mhmm.\n\nChannel 0: have\n\nChannel 1: Okay.\n\nChannel 0: included investment links to each and every single one of these investments so that you can go and have a bit of a read over them if you want to, and you can see exactly all the companies and everything that is in each of these investments if you would like to.\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: No problem.\n\nChannel 0: Perfect. And now any questions so far?\n\nChannel 1: No. I sort of I've kinda get an understanding of what you're trying what you're saying, but, yeah,\n\nChannel 0: Yep.\n\nChannel 1: details and fine details, maybe not. But I can, yeah, get a a gist of what you're\n\nChannel 0: The\n\nChannel 1: saying.\n\nChannel 0: gist\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: For\n\nChannel 0: it.\n\nChannel 1: sure.\n\nChannel 0: No. And I know it can be a bit technical. And sometimes these SOAs, they can be a little bit like, it can be a bit overwhelming. But it's also to make sure that at the end of the day, you understand the recommendation\n\nChannel 1: Mhmm.\n\nChannel 0: and that you are comfortable with it.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That that's\n\nChannel 0: Yep. Perfect. Now let me see here. That basically summarizes\n\nChannel 1: yep.\n\nChannel 0: everything. So if you want to scroll down through page 21 for me, it just talks about the ongoing remuneration again. So like I mentioned during the under review, no changes whatsoever in regards to the fee structure. That is typically 1.65% from your super balance, but it is capped at 600,000. Because your super balance is over that, you are not being charged anything extra.\n\nIt just stays at that cap, and you're not being charged any extra with your superannuation continue to grow.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: No problem.\n\nChannel 0: Perfect. There's also no additional fee for charges, obviously, for this advice. And if you do wanna proceed with it, that is all part of that ongoing service. So no additional fees and charges. So, essentially, from here is you can obviously take your time to have a bit of a read over the document.\n\nIf you have any questions, just send me an email or give me a call, and I'm more than happy to book in another catch up and go through any questions. If you do have\n\nChannel 1: Mhmm.\n\nChannel 0: a read over the document and it all makes sense and you are happy to go ahead, the way to then move forward would be where you are right now in the document is that it will then just ask you for your signature, and\n\nChannel 1: Mhmm.\n\nChannel 0: then automatically date it. That will then send it back to me, and that tells me that you are happy with the recommendation.\n\nChannel 1: No\n\nChannel 0: Now\n\nChannel 1: problem.\n\nChannel 0: what\n\nChannel 1: Yeah.\n\nChannel 0: I do want to show you as well is in the appendix. So if you just to show you that aggressive comparison as well,\n\nChannel 1: Mhmm.\n\nChannel 0: because I know it was something that you were interested in looking at. So if you can click, I think, next for me, or there should\n\nChannel 1: Agnes.\n\nChannel 0: be a little drop down depending on how you are viewing it where it will allow you to see the next attachment.\n\nChannel 1: Hang on.\n\nChannel 0: Yep.\n\nChannel 1: So hang on. No. No. It says decline. No.\n\nThat's not what I want. There's that. No. Okay. Hang on.\n\nNext. Let's\n\nChannel 0: Yep. Is there, like,\n\nChannel 1: sign.\n\nChannel 0: another cover page?\n\nChannel 1: No. It says it's\n\nChannel 0: No.\n\nChannel 1: no. So it just goes down to page 24, but then if I keep clicking\n\nChannel 0: Mhmm.\n\nChannel 1: next, it just goes to the the prefilled sign page.\n\nChannel 0: Okay.\n\nChannel 1: There's no other document.\n\nChannel 0: Okay. What I might do then is I will just send you an email\n\nChannel 1: Mhmm.\n\nChannel 0: with the appendix so you can have a look at it for you. It should be that that we've had a bit of an issue with the the software sometimes. I had my previous client as well not being able to see the appendix, So maybe they're going through a bit of a glitch. So what I will do is I will just send you an email with the appendix so that you can have a look at it.\n\nChannel 1: Yep.\n\nChannel 0: Basically, what it is, it gives you access to those investment links I mentioned, And I've then also included a comparison between the recommended high growth I have made versus an aggressive portfolio.\n\nChannel 1: Okay.\n\nChannel 0: Now with the aggressive portfolio, like I mentioned, it is higher capital gains tax because there are more investment changes we have to make to get you into that aggressive portfolio. But the investment fees, because you are in, again, higher growth components, The investment fees are quite a bit more expensive as well.\n\nChannel 1: Yeah.\n\nChannel 0: Along with the returns wasn't a massive difference. So using a five year rolling average, recommended was 12.55. Aggressive was 12.68. So slightly better, but only by 0.13%. But when factoring in the capital gains tax and the investment fees being more expensive, it just wouldn't put you in as good of a position, even looking five five years or through age 65.\n\nSo, therefore, I just didn't make the recommendation because I couldn't justify you taking on more risk if\n\nChannel 1: Yep.\n\nChannel 0: it's not warranted in the fees and the returns,\n\nChannel 1: Yeah. That makes\n\nChannel 0: if that\n\nChannel 1: sense.\n\nChannel 0: makes sense. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: But what I will do is I will send you that email so you can have have a read over it. Like I said, take your time. Have a read over the document. Any questions, let me know. Otherwise, I'll keep a look at to see how you're going with everything.\n\nAnd like I said, if you are happy to go ahead, just sign digitally, and it will automatically come back to me, and I will let the team know to proceed with that. Perfect.\n\nChannel 1: No problem. Easy. I can do that. What's the the best contact number? Is that the 1300 number if I wanted to call you?\n\nIs\n\nChannel 0: Yes.\n\nChannel 1: that the\n\nChannel 0: If\n\nChannel 1: best\n\nChannel 0: you\n\nChannel 1: number\n\nChannel 0: just\n\nChannel 1: to call?\n\nChannel 0: yeah. If you just call that 1300 number, and you can just ask directly for me, and\n\nChannel 1: Yep.\n\nChannel 0: they will then transfer you to me. Or if I'm on the phone, they will just book in the next available or when you're available appointment.\n\nChannel 1: Yep. Okay. And\n\nChannel 0: But\n\nChannel 1: in sorry?\n\nChannel 0: mhmm. I was gonna\n\nChannel 1: The\n\nChannel 0: say,\n\nChannel 1: email\n\nChannel 0: otherwise\n\nChannel 1: to go\n\nChannel 0: yeah. I was gonna say because I will email you personally with the appendix, you will\n\nChannel 1: for\n\nChannel 0: also have my\n\nChannel 1: it?\n\nChannel 0: direct email\n\nChannel 1: Okay.\n\nChannel 0: address there.\n\nChannel 1: Cool. Because\n\nChannel 0: If\n\nChannel 1: I've\n\nChannel 0: that\n\nChannel 1: noticed\n\nChannel 0: was\n\nChannel 1: that\n\nChannel 0: what\n\nChannel 1: it's\n\nChannel 0: you\n\nChannel 1: got\n\nChannel 0: were\n\nChannel 1: the\n\nChannel 0: going\n\nChannel 1: yeah. Yeah.\n\nChannel 0: to say.\n\nChannel 1: Because it's just got a generic info at Oakview\n\nChannel 0: Yes.\n\nChannel 1: email. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm just, like, just in case I've got any questions,\n\nChannel 0: Yes.\n\nChannel 1: just direct them to you. Alright. Perfect.\n\nChannel 0: Yes. You can do that. So do\n\nChannel 1: Okay.\n\nChannel 0: you have any other questions for me, Ricky, before I let you go and enjoy your rest of your afternoon?\n\nChannel 1: No. It's I mean, it's I'll have it read through, and I'll yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: I'll probably do that tomorrow and then sign it off tomorrow once I've had\n\nChannel 0: Yeah.\n\nChannel 1: a read through. But yeah. But, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: it's all pretty much self explanatory anyway, so I'm happy\n\nChannel 0: Yeah.\n\nChannel 1: with with all that anyway. But yeah. No. I'll probably\n\nChannel 0: Yeah.\n\nChannel 1: just go through with with this one, but I just yeah.\n\nChannel 0: Yes.\n\nChannel 1: Send the other link just so I can have a have a look,\n\nChannel 0: Yes.\n\nChannel 1: compare a little bit. But, yeah, that sounds sounds pretty good.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Here we go.\n\nChannel 0: But, yeah, we'll just keep a look at I will send you that email today. Probably within the next half an hour so that you do have it in your\n\nChannel 1: Yep.\n\nChannel 0: inbox, you have my direct email as well. So, yeah, just let me know if you have any questions or if you do wanna talk. You can either just send me an email, and I'll get one of my admins to to book you in, or you can just call the number directly as well.\n\nChannel 1: Perfect. Awesome.\n\nChannel 0: Yep.\n\nChannel 1: Thank you kindly. Appreciate it.\n\nChannel 0: No. That is no problem. Well, thank you so much for your time this afternoon, Ricky. It was lovely speaking with you, and good luck with your German lessons.\n\nChannel 1: No worries. Thank you very much. You have a good\n\nChannel 0: No.\n\nChannel 1: week.\n\nChannel 0: You too. We'll speak soon.\n\nChannel 1: Okay. Take care.\n\nChannel 0: Alright.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.047057438641786575}],"sentiment":"neutral","sentiment_score":0.047057438641786575,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Good afternoon, Ricky.","start":2.96,"end":4.08,"sentiment":"positive","sentiment_score":0.37780968348185223},{"text":"This is Veronica from ICU Financial.","start":4.08,"end":6.02,"sentiment":"neutral","sentiment_score":0.3318386922279994},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2833550175031026}],"sentiment":"neutral","sentiment_score":0.3312105213602384,"channel":0,"num_words":12,"start":2.96,"end":6.8999996},{"sentences":[{"text":"I'm good.","start":6.96,"end":7.44,"sentiment":"positive","sentiment_score":0.463492289185524},{"text":"How are you?","start":7.44,"end":8.18,"sentiment":"positive","sentiment_score":0.33688188592592877}],"sentiment":"positive","sentiment_score":0.38752604722976686,"channel":1,"num_words":5,"start":6.96,"end":8.18},{"sentences":[{"text":"I'm good.","start":8.639999,"end":9.36,"sentiment":"positive","sentiment_score":0.365290105342865},{"text":"Thanks.","start":9.36,"end":9.84,"sentiment":"neutral","sentiment_score":0.3237825930118561},{"text":"Apologies I'm calling a couple of minutes late.","start":9.84,"end":12.48,"sentiment":"neutral","sentiment_score":-0.17461478896439075},{"text":"My previous","start":12.48,"end":13.12,"sentiment":"neutral","sentiment_score":-0.0831197202205658}],"sentiment":"neutral","sentiment_score":-0.03913807295835935,"channel":0,"num_words":13,"start":8.639999,"end":13.12},{"sentences":[{"text":"That's not","start":12.719999,"end":13.28,"sentiment":"neutral","sentiment_score":-0.17123868316411972}],"sentiment":"neutral","sentiment_score":-0.17123868316411972,"channel":1,"num_words":2,"start":12.719999,"end":13.28},{"sentences":[{"text":"appointment","start":13.12,"end":13.62,"sentiment":"neutral","sentiment_score":-0.22755423188209536}],"sentiment":"neutral","sentiment_score":-0.22755423188209536,"channel":0,"num_words":1,"start":13.12,"end":13.62},{"sentences":[{"text":"right.","start":13.28,"end":13.605,"sentiment":"neutral","sentiment_score":-0.23466145992279053}],"sentiment":"neutral","sentiment_score":-0.23466145992279053,"channel":1,"num_words":1,"start":13.28,"end":13.605},{"sentences":[{"text":"was just running a bit longer.","start":13.84,"end":15.62,"sentiment":"neutral","sentiment_score":-0.24861107766628265}],"sentiment":"neutral","sentiment_score":-0.24861107766628265,"channel":0,"num_words":6,"start":13.84,"end":15.62},{"sentences":[{"text":"How dare you.","start":16.324999,"end":17.385,"sentiment":"neutral","sentiment_score":-0.16472457349300385}],"sentiment":"neutral","sentiment_score":-0.16472457349300385,"channel":1,"num_words":3,"start":16.324999,"end":17.385},{"sentences":[{"text":"So I do apologize.","start":18.435,"end":19.655,"sentiment":"neutral","sentiment_score":-0.13548820093274117}],"sentiment":"neutral","sentiment_score":-0.13548820093274117,"channel":0,"num_words":4,"start":18.435,"end":19.655},{"sentences":[{"text":"Yeah.","start":20.324999,"end":20.645,"sentiment":"neutral","sentiment_score":0.004204561933875084},{"text":"Okay.","start":20.645,"end":21.145,"sentiment":"neutral","sentiment_score":0.01820632629096508}],"sentiment":"neutral","sentiment_score":0.011205444112420082,"channel":1,"num_words":2,"start":20.324999,"end":21.145},{"sentences":[{"text":"Do you still have time to run over the the recommendation with me?","start":21.715,"end":25.654999,"sentiment":"neutral","sentiment_score":0.044951372421704806}],"sentiment":"neutral","sentiment_score":0.044951372421704806,"channel":0,"num_words":13,"start":21.715,"end":25.654999},{"sentences":[{"text":"Yeah.","start":25.765,"end":26.005,"sentiment":"neutral","sentiment_score":0.03361082822084427},{"text":"Yeah.","start":26.005,"end":26.244999,"sentiment":"neutral","sentiment_score":0.04140336066484451},{"text":"For sure.","start":26.244999,"end":26.73,"sentiment":"neutral","sentiment_score":0.04675183445215225}],"sentiment":"neutral","sentiment_score":0.04212946444749832,"channel":1,"num_words":4,"start":25.765,"end":26.73},{"sentences":[{"text":"Yeah.","start":26.755001,"end":27.154999,"sentiment":"neutral","sentiment_score":0.09907100349664688},{"text":"Yeah.","start":27.154999,"end":27.635,"sentiment":"neutral","sentiment_score":0.19835206866264343},{"text":"Perfect.","start":27.635,"end":28.135,"sentiment":"positive","sentiment_score":0.3801603317260742},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":29.18,"end":36.64,"sentiment":"neutral","sentiment_score":0.050456841315688755}],"sentiment":"neutral","sentiment_score":0.06690099381376058,"channel":0,"num_words":32,"start":26.755001,"end":36.64},{"sentences":[{"text":"Yep.","start":37.05,"end":37.55,"sentiment":"neutral","sentiment_score":0.06974257528781891},{"text":"No worries.","start":37.61,"end":38.27,"sentiment":"neutral","sentiment_score":0.10919041931629182}],"sentiment":"neutral","sentiment_score":0.09604113797346751,"channel":1,"num_words":3,"start":37.05,"end":38.27},{"sentences":[{"text":"Yep.","start":38.22,"end":38.72,"sentiment":"neutral","sentiment_score":0.1597677320241928},{"text":"Perfect.","start":39.02,"end":39.52,"sentiment":"positive","sentiment_score":0.3415842652320862},{"text":"And just for security purposes, I do have a password on file.","start":40.22,"end":44.135002,"sentiment":"neutral","sentiment_score":0.10020503774285316},{"text":"Do you know where that might be?","start":44.135002,"end":45.595,"sentiment":"neutral","sentiment_score":0.04653591981955937}],"sentiment":"neutral","sentiment_score":0.09664589947178251,"channel":0,"num_words":21,"start":38.22,"end":45.595},{"sentences":[{"text":"Alright.","start":45.385,"end":45.785,"sentiment":"neutral","sentiment_score":0.10140679776668549},{"text":"It should be Charlie.","start":45.785,"end":46.765,"sentiment":"neutral","sentiment_score":0.11200061067938806}],"sentiment":"neutral","sentiment_score":0.10988184809684753,"channel":1,"num_words":5,"start":45.385,"end":46.765},{"sentences":[{"text":"Yep.","start":47.415,"end":47.815002,"sentiment":"neutral","sentiment_score":0.1331557035446167},{"text":"That's the one.","start":47.815002,"end":48.715,"sentiment":"neutral","sentiment_score":0.15764292577902475},{"text":"And","start":49.095,"end":49.415,"sentiment":"neutral","sentiment_score":0.1109900400042534}],"sentiment":"neutral","sentiment_score":0.14341490417718888,"channel":0,"num_words":5,"start":47.415,"end":49.415},{"sentences":[{"text":"Yep.","start":49.305,"end":49.805,"sentiment":"neutral","sentiment_score":0.1069377213716507}],"sentiment":"neutral","sentiment_score":0.1069377213716507,"channel":1,"num_words":1,"start":49.305,"end":49.805},{"sentences":[{"text":"how's your day been?","start":49.415,"end":50.455,"sentiment":"neutral","sentiment_score":0.109414367005229},{"text":"Been busy?","start":50.455,"end":51.195,"sentiment":"neutral","sentiment_score":0.009056545794010162}],"sentiment":"neutral","sentiment_score":0.07596175993482272,"channel":0,"num_words":6,"start":49.415,"end":51.195},{"sentences":[{"text":"Yeah.","start":51.545,"end":52.045,"sentiment":"neutral","sentiment_score":-0.005882946774363518},{"text":"Not really.","start":52.184998,"end":52.665,"sentiment":"neutral","sentiment_score":-0.05994763597846031},{"text":"No.","start":52.665,"end":52.905,"sentiment":"neutral","sentiment_score":-0.082482248544693},{"text":"I'm just, yeah, just learn I'm trying to learn German, so I'm just been sort of focusing on that today.","start":52.905,"end":59.18,"sentiment":"neutral","sentiment_score":-0.024802907090634107},{"text":"So yeah.","start":59.72,"end":60.36,"sentiment":"neutral","sentiment_score":0.03463149815797806}],"sentiment":"neutral","sentiment_score":-0.0244252158758732,"channel":1,"num_words":26,"start":51.545,"end":60.36},{"sentences":[{"text":"Oh, wow.","start":59.91,"end":60.65,"sentiment":"neutral","sentiment_score":0.05799291841685772}],"sentiment":"neutral","sentiment_score":0.05799291841685772,"channel":0,"num_words":2,"start":59.91,"end":60.65},{"sentences":[{"text":"Which is, yeah,","start":60.36,"end":61.24,"sentiment":"neutral","sentiment_score":0.04184715077280998}],"sentiment":"neutral","sentiment_score":0.04184715077280998,"channel":1,"num_words":3,"start":60.36,"end":61.24},{"sentences":[{"text":"How's that","start":60.87,"end":61.43,"sentiment":"neutral","sentiment_score":0.09209484234452248}],"sentiment":"neutral","sentiment_score":0.09209484234452248,"channel":0,"num_words":2,"start":60.87,"end":61.43},{"sentences":[{"text":"which","start":61.24,"end":61.48,"sentiment":"neutral","sentiment_score":0.09238020330667496}],"sentiment":"neutral","sentiment_score":0.09238020330667496,"channel":1,"num_words":1,"start":61.24,"end":61.48},{"sentences":[{"text":"going?","start":61.43,"end":61.93,"sentiment":"neutral","sentiment_score":0.06677192449569702}],"sentiment":"neutral","sentiment_score":0.06677192449569702,"channel":0,"num_words":1,"start":61.43,"end":61.93},{"sentences":[{"text":"is it's interesting.","start":61.48,"end":63.98,"sentiment":"neutral","sentiment_score":-0.0006371343042701483},{"text":"I mean, I'm my parents are German, so they never really","start":64.04,"end":66.520004,"sentiment":"neutral","sentiment_score":-0.017321991818872364}],"sentiment":"neutral","sentiment_score":-0.013746665208600461,"channel":1,"num_words":14,"start":61.48,"end":66.520004},{"sentences":[{"text":"Yep.","start":66.485,"end":66.985,"sentiment":"neutral","sentiment_score":-0.015142864547669888}],"sentiment":"neutral","sentiment_score":-0.015142864547669888,"channel":0,"num_words":1,"start":66.485,"end":66.985},{"sentences":[{"text":"taught me when I was younger.","start":66.520004,"end":67.72,"sentiment":"neutral","sentiment_score":-0.029127754891912144},{"text":"So I'm familiar with a lot of words, but it's getting the big words now.","start":67.72,"end":71.134995,"sentiment":"neutral","sentiment_score":-0.03581852018833161},{"text":"I'm trying to get my tongue around the pronunciation,","start":71.134995,"end":73.555,"sentiment":"neutral","sentiment_score":-0.07103596213791105}],"sentiment":"neutral","sentiment_score":-0.045045599713921546,"channel":1,"num_words":30,"start":66.520004,"end":73.555},{"sentences":[{"text":"Yeah.","start":73.685005,"end":74.08501,"sentiment":"neutral","sentiment_score":-0.031119167804718018}],"sentiment":"neutral","sentiment_score":-0.031119167804718018,"channel":0,"num_words":1,"start":73.685005,"end":74.08501},{"sentences":[{"text":"which 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position.","start":468.18,"end":485.245,"sentiment":"positive","sentiment_score":0.5090004240357598},{"text":"I","start":485.705,"end":485.94498,"sentiment":"neutral","sentiment_score":0.2262796461582184}],"sentiment":"positive","sentiment_score":0.3948886497919239,"channel":0,"num_words":67,"start":462.74002,"end":485.94498},{"sentences":[{"text":"Yep.","start":485.89,"end":486.39,"sentiment":"neutral","sentiment_score":0.22098830342292783}],"sentiment":"neutral","sentiment_score":0.22098830342292783,"channel":1,"num_words":1,"start":485.89,"end":486.39},{"sentences":[{"text":"often find the best way to look at it is if you want to scroll down to page let's see here.","start":485.94498,"end":494.41998,"sentiment":"neutral","sentiment_score":0.17228275750364577},{"text":"16 for me first.","start":495.36,"end":497.13998,"sentiment":"neutral","sentiment_score":0.059019885025918484}],"sentiment":"neutral","sentiment_score":0.1541606979072094,"channel":0,"num_words":25,"start":485.94498,"end":497.13998},{"sentences":[{"text":"16.","start":497.345,"end":497.845,"sentiment":"neutral","sentiment_score":0.03108600340783596},{"text":"14, fifteenth.","start":501.345,"end":502.405,"sentiment":"neutral","sentiment_score":0.04612812865525484},{"text":"Yep.","start":503.425,"end":503.925,"sentiment":"neutral","sentiment_score":0.10855158418416976},{"text":"That's","start":504.37,"end":504.87,"sentiment":"neutral","sentiment_score":0.08413417637348175}],"sentiment":"neutral","sentiment_score":0.06320560425519943,"channel":1,"num_words":5,"start":497.345,"end":504.87},{"sentences":[{"text":"So can you see the fee 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competitive when it comes to fees, investment choices, and flexibility.","start":543.53503,"end":549.13,"sentiment":"positive","sentiment_score":0.49418006589015323},{"text":"So I have recommended that we stay in hub twenty four and literally just change some of those investments and increase the risk to a high growth.","start":549.75,"end":557.77,"sentiment":"positive","sentiment_score":0.353368075909438}],"sentiment":"positive","sentiment_score":0.348805276991485,"channel":0,"num_words":77,"start":529.775,"end":557.77},{"sentences":[{"text":"Yep.","start":558.77997,"end":559.27997,"sentiment":"neutral","sentiment_score":0.1643512099981308}],"sentiment":"neutral","sentiment_score":0.1643512099981308,"channel":1,"num_words":1,"start":558.77997,"end":559.27997},{"sentences":[{"text":"Now what we also consider is your capital gains tax.","start":559.935,"end":563.215,"sentiment":"neutral","sentiment_score":-0.02267303466796875},{"text":"So every time we do sell investments, if they have 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the capital gains tax, the fees, and the return, the next page shows you everything kind of compounded.","start":792.88,"end":803.22003,"sentiment":"neutral","sentiment_score":0.10122663527727127}],"sentiment":"neutral","sentiment_score":0.10198663766014165,"channel":0,"num_words":29,"start":791.76,"end":803.22003},{"sentences":[{"text":"Mhmm.","start":804.345,"end":804.845,"sentiment":"neutral","sentiment_score":0.04239932075142861}],"sentiment":"neutral","sentiment_score":0.04239932075142861,"channel":1,"num_words":1,"start":804.345,"end":804.845},{"sentences":[{"text":"So you can see five, five years and then compounding up to age 67 to 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what that actually looks like in terms of the investment change is if you can scroll up to page 13 for me, you should have the actual investments.","start":1080.91,"end":1092.585,"sentiment":"neutral","sentiment_score":0.026424645735272045},{"text":"Now this can look a bit overwhelming and messy.","start":1092.725,"end":1095.465,"sentiment":"neutral","sentiment_score":-0.14060891502433354},{"text":"But, essentially, what it is, it shows all your investments, what they're called.","start":1096.405,"end":1101.0499,"sentiment":"neutral","sentiment_score":0.01648792137320225},{"text":"It shows 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of yep.","start":1387.3301,"end":1388.55,"sentiment":"neutral","sentiment_score":0.005772362928837538}],"sentiment":"neutral","sentiment_score":0.005772362928837538,"channel":1,"num_words":3,"start":1387.3301,"end":1388.55},{"sentences":[{"text":"Yeah.","start":1388.7599,"end":1389.08,"sentiment":"neutral","sentiment_score":0.04041273146867752},{"text":"They have a range of different investments, but they're massive.","start":1389.08,"end":1391.4199,"sentiment":"neutral","sentiment_score":0.07100717723369598},{"text":"Essentially, this investment invests in companies all around the world, but it excludes The US.","start":1391.8799,"end":1399.5549,"sentiment":"neutral","sentiment_score":0.04339081719517708},{"text":"Because you already have exposure through The US market in that iShares S and P 500, we wanna make sure you don't have too much exposure to one market either.","start":1399.5549,"end":1409.875,"sentiment":"neutral","sentiment_score":0.015681596472859383},{"text":"Does that 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care.","start":1965.0609,"end":1965.5409,"sentiment":"neutral","sentiment_score":0.17647285759449005}],"sentiment":"neutral","sentiment_score":0.15982708831628165,"channel":1,"num_words":3,"start":1964.8209,"end":1965.5409},{"sentences":[{"text":"Alright.","start":1965.4651,"end":1965.9651,"sentiment":"neutral","sentiment_score":0.13958202302455902}],"sentiment":"neutral","sentiment_score":0.13958202302455902,"channel":0,"num_words":1,"start":1965.4651,"end":1965.9651},{"sentences":[{"text":"Bye.","start":1965.5409,"end":1966.0409,"sentiment":"neutral","sentiment_score":0.13931433856487274}],"sentiment":"neutral","sentiment_score":0.13931433856487274,"channel":1,"num_words":1,"start":1965.5409,"end":1966.0409},{"sentences":[{"text":"Bye.","start":1966.265,"end":1966.765,"sentiment":"neutral","sentiment_score":0.1069413647055626}],"sentiment":"neutral","sentiment_score":0.1069413647055626,"channel":0,"num_words":1,"start":1966.265,"end":1966.765},{"sentences":[{"text":"Bye.","start":1966.5009,"end":1967.0009,"sentiment":"neutral","sentiment_score":-0.10311785340309144}],"sentiment":"neutral","sentiment_score":-0.10311785340309144,"channel":1,"num_words":1,"start":1966.5009,"end":1967.0009}]},"summary":{"result":"success","short":"Representatives from ICU Financial and a financial advisory company provide advice on investment recommendations for superannuities and retirement risk exposure. They recommend high growth for risk profiles and emphasize the importance of maintaining a low risk profile. The company uses a rolling average and a core and satellite approach to invest in various sectors and asset classes, with a focus on diversification and allocation. The speaker emphasizes the importance of reading the recommendations and fees associated with the process, and offers to send an email with a appendix for further review."},"intents":{"segments":[{"text":"you're pretty good English, I must say. But Oh, thanks.","start_word":394,"end_word":403,"intents":[{"intent":"Evaluate language skills","confidence_score":0.176683}]},{"text":"Now, essentially, if you can scroll down to page eight for me. Yep.","start_word":1112,"end_word":1124,"intents":[{"intent":"Recommend page navigation","confidence_score":0.016485019},{"intent":"Advise page navigation","confidence_score":0.00048582655},{"intent":"Explain page orientation","confidence_score":0.009695045},{"intent":"Discuss link between pages","confidence_score":0.000010634346}]},{"text":"The page number on the page and then what's actually profile?","start_word":1154,"end_word":1164,"intents":[{"intent":"Explain page positioning","confidence_score":0.0018070546}]},{"text":"The page number on the page and then what's actually profile? depending on the the Oh, program okay. Right. you're opening I'm look it with is yep. a little Okay. bit different if the cover page counts. Alright. Yeah. Because I'm looking at it says nine, but then I see now I'm page eight. Yeah.","start_word":1154,"end_word":1208,"intents":[{"intent":"Explain page rescheduling","confidence_score":0.0024026546}]},{"text":"when factoring in capital gains tax and fees and returns, the high growth was actually going to put you in a bit better position, and it means you're taking a little bit less risk as well, which is good. Yep.","start_word":1276,"end_word":1315,"intents":[{"intent":"Explain benefits of high growth","confidence_score":0.00030419682}]},{"text":"Now what the actual recommendation is is if you can scroll to page 10, Mhmm. it the heading should say, retain your hub 24 superannuation and change your underlying investments. So page 10, did you say?","start_word":1331,"end_word":1366,"intents":[{"intent":"Recommend heading navigation","confidence_score":0.000021670354}]},{"text":"strategy recommendations? Yes. Correct.","start_word":1369,"end_word":1372,"intents":[{"intent":"Discuss strategy recommendations","confidence_score":0.014116685}]},{"text":"Now I did consider other super funds for you as well just to make sure the hub twenty four was still going to be the best option for you Yep.","start_word":1530,"end_word":1559,"intents":[{"intent":"Consider various super funds","confidence_score":0.00027026667},{"intent":"Consider other super funds","confidence_score":0.055021435},{"intent":"Consider other super funds","confidence_score":0.02702158}]},{"text":"After doing all the research, though, hub twenty four is still very competitive. It's very competitive when it comes to fees, investment choices, and flexibility. So I have recommended that we stay in hub twenty four and literally just change some of those investments and increase the risk to a high growth. Yep.","start_word":1585,"end_word":1637,"intents":[{"intent":"Recommend stay in hub twenty four","confidence_score":0.0013555507},{"intent":"Recommend staying in hub twenty four","confidence_score":0.0144569725}]},{"text":"Now what we also consider is your capital gains tax. So every time we do sell investments, if they have gone up, there will be capital gains tax applicable when you sell investments. So Mhmm.","start_word":1638,"end_word":1672,"intents":[{"intent":"Consider capital gains tax","confidence_score":0.36979532},{"intent":"Consider capital gains tax","confidence_score":0.48789468},{"intent":"Consider capital gains tax","confidence_score":0.21586004},{"intent":"Mention potential asset sale","confidence_score":0.000022259543}]},{"text":"quite substantial, which is good in a way because it means your super has gone up a lot, but also not good because you'd have to pay the tax. Mhmm.","start_word":1750,"end_word":1779,"intents":[{"intent":"Expressing concern about tax","confidence_score":0.0012218622}]},{"text":"quite substantial, which is good in a way because it means your super has gone up a lot, but also not good because you'd have to pay the tax. Mhmm. Yeah.","start_word":1750,"end_word":1780,"intents":[{"intent":"Discussing super increase","confidence_score":0.000007513173}]},{"text":"So that is the estimated tax. Now that does fluctuate on a daily, obviously, with market prices. So it is a bit of an estimate at the time we did everything, but it will be around that 2,747.","start_word":1838,"end_word":1875,"intents":[{"intent":"Expressing intent to lower tax estimate","confidence_score":1.9218035e-7}]},{"text":"So that is the estimated tax. Now that does fluctuate on a daily, obviously, with market prices. So it is a bit of an estimate at the time we did everything, but it will be around that 2,747. Now Yep.","start_word":1838,"end_word":1877,"intents":[{"intent":"Mentioning average tax rate","confidence_score":0.000121442434}]},{"text":"if we were to go through the aggressive portfolio, it would have been about 4,971. Okay? Yep.","start_word":1878,"end_word":1894,"intents":[{"intent":"Discussing portfolio changes","confidence_score":0.037412804},{"intent":"Discussing portfolio portfolio","confidence_score":0.000039244293}]},{"text":"So that is kind of a disadvantage to be mindful of. But then on the flip side, you can see that by changing the investment, the investment fees has reduced. So in investment fees alone, you are saving about $1,421 per year. Mhmm. Yep.","start_word":1896,"end_word":1939,"intents":[{"intent":"Considering investment fees","confidence_score":0.023652663}]},{"text":"So in investment fees alone, you are saving about $1,421 per year. Mhmm.","start_word":1926,"end_word":1938,"intents":[{"intent":"Explaining investment savings","confidence_score":0.034442034}]},{"text":"The recommended high growth portfolio is 12.55%. So it has performed better when we are looking at a longer period of time as well, which is great. Something to be mindful of is increasing risk. Short term, you will have a little bit more fluctuations than in a growth portfolio, but then a little bit more long term, we are anticipating obviously seeing higher returns as a result as well. Okay.","start_word":2033,"end_word":2103,"intents":[{"intent":"Recommending higher returns","confidence_score":0.0046220324}]},{"text":"Something to be mindful of is increasing risk. Short term, you will have a little bit more fluctuations than in a growth portfolio, but then a little bit more long term, we are anticipating obviously seeing higher returns as a result as well. Okay.","start_word":2060,"end_word":2103,"intents":[{"intent":"Explaining risk impact","confidence_score":0.000013635184}]},{"text":"Whereas if we use, let's say, a twelve month period, depending on when we use the twelve month period, sometimes it would have looked like you've won the lottery. Other, yes, it wouldn't have been as good. So that's Yeah. why we do prefer to use the five year rolling average to to kind of factor in that. Now Yeah.","start_word":2167,"end_word":2226,"intents":[{"intent":"Analyze investing strategies","confidence_score":0.00022781309}]},{"text":"Now if you want to scroll up for me, I will then kind of show you the actual changes in the investment. So if you can scroll up first to page 15, you should 15. see, yeah, the proposed asset allocation table. Can Yep.","start_word":2867,"end_word":2910,"intents":[{"intent":"Show investment changes","confidence_score":0.14729786}]},{"text":"essentially, with the portfolio, how we structure the portfolio stays exactly the same, whether that is a defensive or growth or high growth or aggressive portfolio. The philosophy stays the same.","start_word":3167,"end_word":3197,"intents":[{"intent":"Educate about portfolio structure and investment philosophy","confidence_score":0.00019107123}]},{"text":"what we then do, aside from the core investments, is your satellites. Now these are the ones that can be a little bit more dynamic. They are a little bit more specialized in that they target different sectors or regions or asset classes. But that is ultimately what is going to maximize the growth for you. But they can be a little bit more volatile, and that is why we only allocate a smaller portion through these investments. Right.","start_word":3550,"end_word":3628,"intents":[{"intent":"Optimize growth and diversify investments","confidence_score":0.0035864927}]},{"text":"Essentially, this investment invests in companies all around the world, but it excludes The US. Because you already have exposure through The US market in that iShares S and P 500, we wanna make sure you don't have too much exposure to one market either. Does that make sense? Right.","start_word":3774,"end_word":3823,"intents":[{"intent":"Exclude from us market","confidence_score":0.00046346275}]},{"text":"And then what we also have is we have a little bit of those defensive as well to give you a little bit of that defensive element of limit fluctuations.","start_word":3831,"end_word":3860,"intents":[{"intent":"Provide defensive and limit fluctuations","confidence_score":0.005011702}]},{"text":"Now you already had gold in your portfolio.","start_word":3869,"end_word":3876,"intents":[{"intent":"Identify gold in portfolio","confidence_score":0.08991119}]},{"text":"And I know it can be a bit technical. And sometimes these SOAs, they can be a little bit like, it can be a bit overwhelming. But it's also to make sure that at the end of the day, you understand the recommendation Mhmm. and that you are comfortable with it. Yep.","start_word":4146,"end_word":4197,"intents":[{"intent":"Evaluate investment recommendations","confidence_score":0.008999888}]},{"text":"No Now problem.","start_word":4463,"end_word":4465,"intents":[{"intent":"Recommendation options","confidence_score":0.0002662705}]},{"text":"It should be that that we've had a bit of an issue with the the software sometimes.","start_word":4639,"end_word":4655,"intents":[{"intent":"Discuss software issue","confidence_score":0.02599209}]},{"text":"Basically, what it is, it gives you access to those investment links I mentioned, And I've then also included a comparison between the recommended high growth I have made versus an aggressive portfolio.","start_word":4706,"end_word":4738,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.011173241},{"intent":"Discuss portfolio preferences","confidence_score":0.0026284938}]},{"text":"Basically, what it is, it gives you access to those investment links I mentioned, And I've then also included a comparison between the recommended high growth I have made versus an aggressive portfolio. Okay.","start_word":4706,"end_word":4739,"intents":[{"intent":"Provide investment links","confidence_score":0.017797854},{"intent":"Compare portfolio expectations","confidence_score":0.00014919255}]},{"text":"But the investment fees, because you are in, again, higher growth components, The investment fees are quite a bit more expensive as well. Yeah.","start_word":4771,"end_word":4794,"intents":[{"intent":"Discuss investment fees","confidence_score":0.28157794}]},{"text":"What's the the best contact number? Is that the 1300 number if I wanted to call you? Is Yes. that the If best you number just to call? yeah. If you just call that 1300 number, and you can just ask directly for me, and Yep. they will then transfer you to me. Or if I'm on the phone, they will just book in the next available or when you're available appointment. Yep.","start_word":4988,"end_word":5060,"intents":[{"intent":"Request contact/appointment scheduling","confidence_score":2.0409871e-7}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.047057438641786575},{"text":"Good afternoon, Ricky.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3828526735305786},{"text":"This is Veronica from ICU Financial. How are you?","start_word":4,"end_word":12,"sentiment":"neutral","sentiment_score":0.30995428562164307},{"text":"I'm good. How are you? I'm good.","start_word":13,"end_word":19,"sentiment":"positive","sentiment_score":0.39134448766708374},{"text":"Thanks. Apologies I'm calling a couple of minutes late. My previous That's not appointment right. was just running a bit longer. How dare you. So I do apologize. Yeah. Okay. Do you still have time to run over the the recommendation with me? Yeah. Yeah. For sure. Yeah. Yeah.","start_word":20,"end_word":68,"sentiment":"neutral","sentiment_score":-0.07423488050699234},{"text":"Perfect.","start_word":69,"end_word":69,"sentiment":"positive","sentiment_score":0.3801603317260742},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. No worries. Yep.","start_word":70,"end_word":102,"sentiment":"neutral","sentiment_score":0.06416115909814835},{"text":"Perfect.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.3415842652320862},{"text":"And just for security purposes, I do have a password on file. Do you know where that might be? Alright. It should be Charlie. Yep. That's the one. And Yep. how's your day been? Been busy? Yeah. Not really. No. I'm just, yeah, just learn I'm trying to learn German, so I'm just been sort of focusing on that today. So yeah. Oh, wow. Which is, yeah, How's that which going? is it's interesting. I mean, I'm my parents are German, so they never really Yep. taught me when I was younger. So I'm familiar with a lot of words, but it's getting the big words now. I'm trying to get my tongue around the pronunciation, Yeah. which is Mhmm. yeah. It's quite challenging because, you know, Yeah. you don't have the the role of the tongue, I guess, and the the correct pronunciation, but we're getting there slowly. Yeah. Oh, that's good. Well, if you I don't know if I have told you or if you can hear by my accent, but I'm Swedish. Yep. Okay. Yeah. So, yeah, Swedish is my first language. English is my second, and I'm having a similar thing with my husband trying to teach him Swedish. And he's like, I cannot do the pronunciation because I'm from the South, so we roll off a lot. So Okay. a little bit Right. similar to Germany in some way. Yep. But he's like, I physically can't do it. I was like, it's not hard. Just roll it. And, obviously, it's different when you grow up with it versus, obviously, learning English from Of the start. course. Yeah. But So I mean, we're getting there. I mean, I'll never speak, yeah, fluent as I mean, Yeah. you're pretty good English, I must say. But Oh, thanks. but just yeah. People yeah. You get I get you can Yeah. I guess that it's not your native tongue, I guess? Yeah. But we'll get there as long as I can understand because we're planning on to Germany probably in a cup next year or the year after for, yeah, a month or two. So, yeah, just wanna challenge myself. Yeah. Yeah. And that's usually Yep. the best way to to go about it as well. Like, my husband say that when we go over to Sweden, because my family is back there, he Yep. picks Mhmm. it up quicker. And then when it's been a while since we haven't been there, kind of forgets. But then kind of leaving there is the best way to get the exposure and get a lot better at the language. Exactly right. Yeah. Exactly. Yeah. My mom tries to teach me. Yeah. My mom's idea where she sort of, you know, talks at, you know, big things, and I'm like, I haven't got to that point yet, mom. But yeah. So I'm Let's kinda using keep it Google simple. Translate as well, Yeah. which But good worked on well. you though for doing it.","start_word":104,"end_word":605,"sentiment":"neutral","sentiment_score":0.014337049671022064},{"text":"Oh, thank you. Thank you. Thank you. We'll get that started.","start_word":606,"end_word":616,"sentiment":"positive","sentiment_score":0.4059523940086365},{"text":"Yeah.","start_word":617,"end_word":617,"sentiment":"neutral","sentiment_score":0.22937312722206116},{"text":"Oh, that's good.","start_word":618,"end_word":620,"sentiment":"positive","sentiment_score":0.3456173837184906},{"text":"But, well, Ricky, essentially, I had you booked in to go over your, the recommendation in regards to your super investments. Yep. The the research I did for you after our annual review. Now do you have access to your emails at the moment? Yeah.","start_word":621,"end_word":665,"sentiment":"neutral","sentiment_score":0.15350869695345562},{"text":"Okay. Perfect. So I have just sent you an email with the recommendation if you Mhmm.","start_word":666,"end_word":681,"sentiment":"positive","sentiment_score":0.41220641136169434},{"text":"have the option of getting that one up for me. Yep. I'm just getting that up now. Yep. Sorry. Alright. So I've got it open. Yep.","start_word":682,"end_word":707,"sentiment":"neutral","sentiment_score":0.22455210983753204},{"text":"Perfect.","start_word":708,"end_word":708,"sentiment":"positive","sentiment_score":0.5498011708259583},{"text":"So what you will see first is the statement of advice. Now every time we do make a recommendation on financial products and make tailored financial advice, we have to put everything in this statement of advice for you just Mhmm. to make sure you fully understand everything. Now it is quite long at 25 pages, but I will just go through the main points for you, and then you can Yep. have a read over it as well just to make sure you understand everything, but it is pretty straightforward today. Yep. Now you can see that it has been prepared by myself. You will see my authorized representative number listed, and I am licensed under Oakview Financial. Yep. Now if you scroll to page two, you will see the best interest duty outline. Have you heard of this before? Probably not in the context that you're about to tell me, but Okay. let's just say no. No. Sorry. It I mean, it is pretty self explanatory, but it is that we have to act in your best interest at all time. But also that the advice itself has to put you in a better position as a result of the advice. Otherwise, Mhmm. we can't actually make the recommendation. Does that make sense? Yes. Yes. Yep. Yep. Perfect. Now if you wanna scroll through for me, you will see scope of advice. Essentially, what this refers to is the areas we are looking at in today's statement of advice, which is simply just your superannuation, looking at increasing that risk exposure a little bit for you now when you're not getting contributions, Yep. making sure everything is growing for you before retirement, making sure we have you in the best investments as well, and that is simply it.","start_word":709,"end_word":1008,"sentiment":"neutral","sentiment_score":0.07807186245918274},{"text":"So pretty straightforward.","start_word":1009,"end_word":1011,"sentiment":"positive","sentiment_score":0.4016178846359253},{"text":"Yep. Now if you want to scroll down so as you kind of keep scrolling, you will see this limited advice on page five. Essentially, Yep. just refers back to the scope in the areas we are focusing on today. But I do also have to let you know that I'm not a legal practitioner, so I can't actually give you any legal advice. Can definitely provide support and guidance on how to structure beneficiary forms and stuff like that, but I can't give you any legal advice since I'm not a lawyer. Yeah. That's understandable. Yeah. Yep. Yep.","start_word":1012,"end_word":1110,"sentiment":"neutral","sentiment_score":0.013764634342732451},{"text":"Perfect.","start_word":1111,"end_word":1111,"sentiment":"positive","sentiment_score":0.4633654356002808},{"text":"Now, essentially, if you can scroll down to page eight for me. Yep. Master It's Asset and all Liabilities. one more down. Sorry. Now Sorry. one Yeah. more, dear. It's a bit, yeah, it's a bit Your funny. risk The page yes. The page number on the page and then what's actually profile? depending on the the Oh, program okay. Right. you're opening I'm look it with is yep. a little Okay. bit different if the cover page counts. Alright. Yeah. Because I'm looking at it says nine, but then I see now I'm page eight. Yeah. Yeah. Can be a bit confusing. But, essentially, this talks about your risk profile. Now I know when we spoke, we kind of talked about aggressive and high growth, and I have Mhmm. made an assessment for both. Now what I have recommended is the high growth, but I will go through the options. I have included the aggressive in the appendix to show you. But Mhmm.","start_word":1112,"end_word":1275,"sentiment":"neutral","sentiment_score":0.030936118215322495},{"text":"when factoring in capital gains tax and fees and returns, the high growth was actually going to put you in a bit better position, and it means you're taking a little bit less risk as well, which is good.","start_word":1276,"end_word":1314,"sentiment":"positive","sentiment_score":0.34037381410598755},{"text":"Yep. So I K. have recommended high growth, but I have assessed both for you. Yep. Now what the actual recommendation is is if you can scroll to page 10, Mhmm. it the heading should say, retain your hub 24 superannuation and change your underlying investments. So page 10, did you say? Strategy Yes. strategy recommendations? Yes. Correct. So, Yep. basically, these outlines it's a bit wordy, so I'll go through the table, and then I'll let you have a read over it.","start_word":1315,"end_word":1397,"sentiment":"neutral","sentiment_score":0.14462271619992084},{"text":"But, essentially, it outlines why the recommendation does align with that best interest duty and factoring in your personal circumstances, capital gains tax, risk tolerance, objectives, and everything like that as well on why this recommendation has put you in a better position.","start_word":1398,"end_word":1440,"sentiment":"positive","sentiment_score":0.4901953935623169},{"text":"I Yep. often find the best way to look at it is if you want to scroll down to page let's see here. 16 for me first. 16. 14, fifteenth. Yep. That's So can you see the fee comparison? yep. K. Yep.","start_word":1441,"end_word":1482,"sentiment":"neutral","sentiment_score":0.1336982548236847},{"text":"So this is usually I find it's an easier way to kind of get a bit of a snapshot of it because it kind of puts all the numbers into perspective.","start_word":1483,"end_word":1513,"sentiment":"positive","sentiment_score":0.44208595156669617},{"text":"Mhmm. So what I have recommended, you can see your current situation and then the recommended.","start_word":1514,"end_word":1529,"sentiment":"neutral","sentiment_score":0.3067242503166199},{"text":"Now I did consider other super funds for you as well just to make sure the hub twenty four was still going to be the best option for you Yep.","start_word":1530,"end_word":1559,"sentiment":"positive","sentiment_score":0.35708752274513245},{"text":"because there is always new products and features that do come out. So it is important to continue to review that just to make sure.","start_word":1560,"end_word":1584,"sentiment":"neutral","sentiment_score":0.24500638246536255},{"text":"After doing all the research, though, hub twenty four is still very competitive. It's very competitive when it comes to fees, investment choices, and flexibility. So I have recommended that we stay in hub twenty four and literally just change some of those investments and increase the risk to a high growth.","start_word":1585,"end_word":1636,"sentiment":"positive","sentiment_score":0.40084871649742126},{"text":"Yep. Now what we also consider is your capital gains tax. So every time we do sell investments, if they have gone up, there will be capital gains tax applicable when you sell investments. So Mhmm. I've tried to keep that as minimal as possible while still making sure we we increase that risk for you and change the investments we want to. So just for your reference, if I were to do a full sell down of all your Yep. current investments, the capital gains tax so if, for example, we were to move to a different super fund, the capital gain gains tax would have been around 9,952. So Right. quite substantial, which is good in a way because it means your super has gone up a lot, but also not good because you'd have to pay the tax. Mhmm. Yeah. Yeah. Sorry. I've tried to minimize that for you. Now I've got it down to about 2,747. So there is still a bit of a change, so that is something I want you to be mindful of, which is why at the top, you can see the balance difference of 2,747. Can you Yep. see that? Yep. Yep. So that is the estimated tax. Now that does fluctuate on a daily, obviously, with market prices. So it is a bit of an estimate at the time we did everything, but it will be around that 2,747. Now Yep. if we were to go through the aggressive portfolio, it would have been about 4,971. Okay? Yep. Yep. So that is kind of a disadvantage to be mindful of. But then on the flip side, you can see that by changing the investment, the investment fees has reduced. So in investment fees alone, you are saving about $1,421 per year. Mhmm. Yep. So pretty quickly, you will then make up the capital gains tax that would come out of your superannuation just in those investment fee savings alone. Does that make sense? Yep. Yeah. Yep. Now everything else kind of stays the same, just changing the investments. Now you can also see that, obviously, aside from the fees being a little bit cheaper, you can see the difference in the returns as well. So you can see that in your current portfolio, the growth portfolio, using a five year rolling average, it's around 9.54%. Mhmm. The recommended high growth portfolio is 12.55%.","start_word":1637,"end_word":2039,"sentiment":"neutral","sentiment_score":0.05613231374223534},{"text":"So it has performed better when we are looking at a longer period of time as well, which is great.","start_word":2040,"end_word":2059,"sentiment":"positive","sentiment_score":0.3829831182956696},{"text":"Something to be mindful of is increasing risk. Short term, you will have a little bit more fluctuations than in a growth portfolio, but then a little bit more long term, we are anticipating obviously seeing higher returns as a result as well. Okay. Yep. Makes Now, obviously, sense. we Yep. can't, yeah, guarantee what is going to happen with the investment returns or the market, but that is why we use a five year rolling average. Because if using a five year rolling average, it kind of gives us a little bit more certainty of what has happened in the market and their portfolio as well. Whereas if we use, let's say, a twelve month period, depending on when we use the twelve month period, sometimes it would have looked like you've won the lottery. Other, yes, it wouldn't have been as good. So that's Yeah. why we do prefer to use the five year rolling average to to kind of factor in that. Now Yeah. That makes base, sense. Yeah. base yeah. Now, basically, then kind of factoring in everything, so the capital gains tax, the fees, and the return, the next page shows you everything kind of compounded. Mhmm. So you can see five, five years and then compounding up to age 67 to show Yep. you that difference.","start_word":2060,"end_word":2281,"sentiment":"neutral","sentiment_score":0.06184492320627779},{"text":"So even though there will be a little bit of capital gains tax, the fee savings and the anticipated change in the return is improving the situation for you.","start_word":2282,"end_word":2310,"sentiment":"positive","sentiment_score":0.40158146619796753},{"text":"So that kind of shows you a a bit of that as well. Now underneath it, you can then also see the performance difference between your current situation and the recommended. Can you see that? Yep. Yeah. So twelve months, three years, five years, and ten years. And you can see across all time frames, the recommended has performed a little bit better than your current growth portfolio, Okay. which Yep. is No problem. good. Any questions so far? No. I don't I mean, other numbers are all crunching, but they kinda make sense about everything. Yeah. Like, what you're saying, Yeah. I I kind of I've got an an idea of, you know, how what the world works, I guess. Yeah. So Yep. it's always a gamble. But yeah. Yeah. So it's also then kind of coming through the investments and how we structure it. So on the next page, actually, you can see just a bit of a retirement income calculator. Mhmm.","start_word":2311,"end_word":2474,"sentiment":"neutral","sentiment_score":0.1213725283741951},{"text":"Now this is quite conservative because it is showing as well from age 67 that we are just going into a completely defensive portfolio, a 5% return. So Yep.","start_word":2475,"end_word":2503,"sentiment":"positive","sentiment_score":0.415372759103775},{"text":"it can be a little bit more defensive, but I prefer to kind of have a little bit more defensive approach when doing this. And, obviously, it does depend on other assets, changes in legislation, or anything like that. But it does show you a little bit of an assessment. Okay. Well, if you decide to retire at 67 and draw a weekly income of a thousand dollars per week from superannuation, what Yep. that would look like. So you can essentially see the dark green is Yep. then your superannuation. So from a starting point, you could take a lot more if you wanted to, but that obviously means it's gonna run out sooner. Mhmm. What it Yep. is that anticipated, and, again, obviously, depending on eligibility at the time, is that around age 81, you would then be able to get a little bit of age pension supplemented by your superannuation, which is that kind of light blue color, if that makes sense. Right. Yep. That's because, obviously, the total amount of what you have in the bank is, you know, Correct. going down. Yeah. Correct. Okay. Because the age pension is assessed on assets and income. Yep. So that is obviously as your super continue to go down. You'll still obviously be invested if you unless you decide to just take everything as a lump sum when you retire. If you just do that the weekly income, then obviously, the rest will continue to be invested. So that will still grow, But, obviously, Yep. you are then withdrawing about a thousand dollars per week, so it will go down as well. Yep. And then, obviously, Okay. the the less you have, that's when then age pension would kick in when the super has dropped below that threshold. And then at about 91, that's when then your super would kind of disappear, and it would just be 8p in based on the way things are tracking right now and, again, obviously, changes to legislation or everything like that. But, again, it is assuming a little bit more defensive returns from age 67. Does that make Yes. sense? Yep.","start_word":2504,"end_word":2863,"sentiment":"neutral","sentiment_score":0.0683552660048008},{"text":"Perfect.","start_word":2864,"end_word":2864,"sentiment":"positive","sentiment_score":0.4573246836662293},{"text":"Yep.","start_word":2865,"end_word":2865,"sentiment":"neutral","sentiment_score":0.2424899786710739},{"text":"Perfect.","start_word":2866,"end_word":2866,"sentiment":"positive","sentiment_score":0.5158862471580505},{"text":"Now if you want to scroll up for me, I will then kind of show you the actual changes in the investment. So if you can scroll up first to page 15, you should 15. see, yeah, the proposed asset allocation table. Can Yep. you see Yep. that? Mhmm. Yep.","start_word":2867,"end_word":2916,"sentiment":"neutral","sentiment_score":0.08709000051021576},{"text":"Perfect.","start_word":2917,"end_word":2917,"sentiment":"positive","sentiment_score":0.4215350151062012},{"text":"So you can see your risk profile, so that high growth, which is that ninety ten slip. We're aiming for around 90% in those growth investments and a 10% in those defensive. You can see your existing, so what you are currently invested in, which is a little bit more defensive, and then you can see the proposed. So the proposed is a little bit more exposure to those growth investments and a little bit less in those defenses. Mhmm. Yep. Makes Mhmm. sense? Yep. Perfect. Yep. Now what that actually looks like in terms of the investment change is if you can scroll up to page 13 for me, you should have the actual investments. Now this can look a bit overwhelming and messy. But, essentially, what it is, it shows all your investments, what they're called. It shows the Yep. little special code. It shows Mhmm. your current weight, so how much you currently have in the investment. It shows the equivalent balance of that proportion, and then you have the buy and sell. So the buy and sell, what you can see in red is what we are either completely selling out of or just reducing the exposure to. Black Mhmm. is what we are either then buying or increasing the exposure. The Right. target weight is then how much we are aiming for from a percentage point of view, Mhmm. And then the target balance is then the the corresponding dollar value. Now, Okay. essentially, with the portfolio, how we structure the portfolio stays exactly the same, whether that is a defensive or growth or high growth or aggressive portfolio.","start_word":2918,"end_word":3191,"sentiment":"neutral","sentiment_score":0.006863589949198883},{"text":"The philosophy stays the same.","start_word":3192,"end_word":3196,"sentiment":"positive","sentiment_score":0.3408772945404053},{"text":"It's just slightly different investments and different allocation in a percentage through them. But how we put it all together is using a core and satellite approach to investing. Have you ever heard of that before, Ricky? No. Not really. No. No. Basically, what it means is that we invest majority of the funds in the core, which basically represents, like, the backbone of the portfolio. And, essentially, these are your very diversified passive index funds. Now these are your biggest shareholding. So you can see, for example, at 35%, you have iShares S and P five hundred. That Mhmm. is 123456, seven down. Now Yep. you already have this in your portfolio. We are just increasing the exposure a little bit up to 35%. You From may have 20 heard seven. of Yep. correct. You Yeah. may have Okay. heard of this investment before, but, essentially, it does invest in the 500 largest companies listed in The US. So, obviously, K. very diversified because you have 500 companies in that one single investment. So you'll have all the big, you know, Apple, Microsoft, Amazon, all the big companies in The US. So Okay.","start_word":3197,"end_word":3390,"sentiment":"neutral","sentiment_score":0.12021342664957048},{"text":"very diversified for you.","start_word":3391,"end_word":3394,"sentiment":"positive","sentiment_score":0.35435909032821655},{"text":"We also Mhmm. wanna make sure you don't have too too much in one market or just The US exposure, so we wanna make sure we have a well diversified portfolio. So instead of the Benelon that was in your portfolio before, that was that was the one I mentioned last time was slightly underperforming, we Yep. still wanna make sure we give you exposure to the Australian market. Now this kind of spills over to the next page, but it's the BetaShares Australia 200 at 25%. Right. Yeah. I can see that. Yep. Yep. Now, basically, what this is, it is invests in the 200 largest companies listed on the ASX. So you will have companies like Commonwealth and BHP and Woolworths.","start_word":3395,"end_word":3517,"sentiment":"neutral","sentiment_score":0.0709264725446701},{"text":"So, again, all the kind of big companies in Australia, very diversified. And that's why these two have the biggest allocation through them because they Mhmm. are very diversified.","start_word":3518,"end_word":3546,"sentiment":"positive","sentiment_score":0.4841241538524628},{"text":"Alright. Now Yeah. what we then do, aside from the core investments, is your satellites. Now these are the ones that can be a little bit more dynamic. They are a little bit more specialized in that they target different sectors or regions or asset classes.","start_word":3547,"end_word":3592,"sentiment":"neutral","sentiment_score":0.13600654900074005},{"text":"But that is ultimately what is going to maximize the growth for you.","start_word":3593,"end_word":3605,"sentiment":"positive","sentiment_score":0.33857592940330505},{"text":"But they can be a little bit more volatile, and that is why we only allocate a smaller portion through these investments. Right. Yep. Makes sense. Makes sense. Yep. Now, basically, what that is in the the recommended is that we have 9% in Europe for you. Because, again, we don't wanna make sure we have only US or Australian exposure. We want very well diversified. So 9% invested in Europe, and that Mhmm. one essentially invests in a broad range of, like, your large and mid sized European companies, a range of different countries, but, essentially, the main ones are, like, UK, Germany, France, and Switzerland.","start_word":3606,"end_word":3712,"sentiment":"neutral","sentiment_score":0.13778486847877502},{"text":"So very diversified.","start_word":3713,"end_word":3715,"sentiment":"positive","sentiment_score":0.3507591187953949},{"text":"We also have 5% in Japan for you to, again, give you well rounded diversification, and then 8% is one that's called your Vanguard All World. You may have heard about Vanguard before. I've heard Is of it quite the big? name. Yeah. Yeah. Heard of yep. Yeah. They have a range of different investments, but they're massive. Essentially, this investment invests in companies all around the world, but it excludes The US. Because you already have exposure through The US market in that iShares S and P 500, we wanna make sure you don't have too much exposure to one market either. Does that make sense? Right. Yeah. Yeah. For sure. Yep. Yeah.","start_word":3716,"end_word":3829,"sentiment":"neutral","sentiment_score":0.10420907288789748},{"text":"Perfect.","start_word":3830,"end_word":3830,"sentiment":"positive","sentiment_score":0.4366683065891266},{"text":"And then what we also have is we have a little bit of those defensive as well to give you a little bit of that defensive element of limit fluctuations. So you will see about 7% in gold. Now you already had gold in your portfolio. You had it at about 8.41%. So it is just reducing and limit that a little bit for you down through 7% to, again, Mhmm.","start_word":3831,"end_word":3901,"sentiment":"neutral","sentiment_score":0.18910368206635328},{"text":"Yep. make sure we move into your high growth instead of your growth. So it's a really good defensive kind of alternative investment, so definitely wanna keep that in your portfolio. And then we have 5% in your fixed interest, your your bank hybrid there for you. Again, you already had it in your portfolio, just reducing that down a little bit to, again, free up phase into your growth investment.","start_word":3902,"end_word":3972,"sentiment":"positive","sentiment_score":0.5074366331100464},{"text":"Right. Yep. Makes Yep. sense. Yeah. Yep.","start_word":3973,"end_word":3979,"sentiment":"neutral","sentiment_score":0.2259867936372757},{"text":"Perfect.","start_word":3980,"end_word":3980,"sentiment":"positive","sentiment_score":0.5362502932548523},{"text":"Now I know that's probably a lot to take in, but, essentially, hopefully, that gives you a pretty good insight into the investments. But if it is that you would like to go and read on these investments yourself in a bit more detail, so in the appendix, which is the second document, I Mhmm. have Okay. included investment links to each and every single one of these investments so that you can go and have a bit of a read over them if you want to, and you can see exactly all the companies and everything that is in each of these investments if you would like to. Yes. Yep. No problem.","start_word":3981,"end_word":4093,"sentiment":"neutral","sentiment_score":0.205425888299942},{"text":"Perfect.","start_word":4094,"end_word":4094,"sentiment":"positive","sentiment_score":0.5115501284599304},{"text":"And now any questions so far? No. I sort of I've kinda get an understanding of what you're trying what you're saying, but, yeah, Yep. details and fine details, maybe not. But I can, yeah, get a a gist of what you're The saying. gist Yeah. of For it. sure. No. And I know it can be a bit technical. And sometimes these SOAs, they can be a little bit like, it can be a bit overwhelming. But it's also to make sure that at the end of the day, you understand the recommendation Mhmm. and that you are comfortable with it. Yep. Yeah. Yep. That that's Yep.","start_word":4095,"end_word":4202,"sentiment":"neutral","sentiment_score":0.09513269364833832},{"text":"Perfect.","start_word":4203,"end_word":4203,"sentiment":"positive","sentiment_score":0.5292711853981018},{"text":"Now let me see here. That basically summarizes yep. everything. So if you want to scroll down through page 21 for me, it just talks about the ongoing remuneration again. So like I mentioned during the under review, no changes whatsoever in regards to the fee structure. That is typically 1.65% from your super balance, but it is capped at 600,000. Because your super balance is over that, you are not being charged anything extra. It just stays at that cap, and you're not being charged any extra with your superannuation continue to grow. Yep. Okay. Yep.","start_word":4204,"end_word":4300,"sentiment":"neutral","sentiment_score":0.17859780266112887},{"text":"No problem. Perfect. There's also no additional fee for charges, obviously, for this advice. And if you do wanna proceed with it, that is all part of that ongoing service. So no additional fees and charges. So, essentially, from here is you can obviously take your time to have a bit of a read over the document. If you have any questions, just send me an email or give me a call, and I'm more than happy to book in another catch up and go through any questions. If you do have Mhmm. a read over the document and it all makes sense and you are happy to go ahead, the way to then move forward would be where you are right now in the document is that it will then just ask you for your signature, and Mhmm. then automatically date it. That will then send it back to me, and that tells me that you are happy with the recommendation.","start_word":4301,"end_word":4462,"sentiment":"positive","sentiment_score":0.5264747738838196},{"text":"No Now problem. what Yeah. I do want to show you as well is in the appendix. So if you just to show you that aggressive comparison as well, Mhmm. because I know it was something that you were interested in looking at. So if you can click, I think, next for me, or there should Agnes. be a little drop down depending on how you are viewing it where it will allow you to see the next attachment. Hang on. Yep. So hang on. No.","start_word":4463,"end_word":4548,"sentiment":"neutral","sentiment_score":0.10264002531766891},{"text":"No. It says decline. No. That's not what I want.","start_word":4549,"end_word":4558,"sentiment":"negative","sentiment_score":-0.540774941444397},{"text":"There's that. No. Okay. Hang on. Next. Let's Yep. Is there, like, sign. another cover page? No. It says it's No. no. So it just goes down to page 24, but then if I keep clicking Mhmm. next, it just goes to the the prefilled sign page. Okay. There's no other document. Okay. What I might do then is I will just send you an email Mhmm. with the appendix so you can have a look at it for you. It should be that that we've had a bit of an issue with the the software sometimes. I had my previous client as well not being able to see the appendix, So maybe they're going through a bit of a glitch. So what I will do is I will just send you an email with the appendix so that you can have a look at it. Yep. Basically, what it is, it gives you access to those investment links I mentioned, And I've then also included a comparison between the recommended high growth I have made versus an aggressive portfolio. Okay. Now with the aggressive portfolio, like I mentioned, it is higher capital gains tax because there are more investment changes we have to make to get you into that aggressive portfolio. But the investment fees, because you are in, again, higher growth components, The investment fees are quite a bit more expensive as well. Yeah. Along with the returns wasn't a massive difference. So using a five year rolling average, recommended was 12.55. Aggressive was 12.68. So slightly better, but only by 0.13%.","start_word":4559,"end_word":4822,"sentiment":"neutral","sentiment_score":-0.0493479169284304},{"text":"But when factoring in the capital gains tax and the investment fees being more expensive, it just wouldn't put you in as good of a position, even looking five five years or through age 65. So, therefore, I just didn't make the recommendation because I couldn't justify you taking on more risk if Yep. it's not warranted in the fees and the returns, Yeah.","start_word":4823,"end_word":4886,"sentiment":"negative","sentiment_score":-0.39178529381752014},{"text":"That makes if that sense. makes sense. Yep. Yeah. But what I will do is I will send you that email so you can have have a read over it. Like I said, take your time. Have a read over the document. Any questions, let me know. Otherwise, I'll keep a look at to see how you're going with everything. And like I said, if you are happy to go ahead, just sign digitally, and it will automatically come back to me, and I will let the team know to proceed with that.","start_word":4887,"end_word":4979,"sentiment":"neutral","sentiment_score":0.20314209932281124},{"text":"Perfect. No problem. Easy. I can do that.","start_word":4980,"end_word":4987,"sentiment":"positive","sentiment_score":0.519269585609436},{"text":"What's the the best contact number? Is that the 1300 number if I wanted to call you? Is Yes. that the If best you number just to call? yeah. If you just call that 1300 number, and you can just ask directly for me, and Yep. they will then transfer you to me. Or if I'm on the phone, they will just book in the next available or when you're available appointment. Yep. Okay. And But in sorry? mhmm. I was gonna The say, email otherwise to go yeah. I was gonna say because I will email you personally with the appendix, you will for also have my it? direct email Okay. address there. Cool. Because If I've that noticed was that what it's you got were the going yeah. Yeah. to say. Because it's just got a generic info at Oakview Yes. email. So Yeah. I'm just, like, just in case I've got any questions, Yes. just direct them to you. Alright.","start_word":4988,"end_word":5150,"sentiment":"neutral","sentiment_score":0.07043169438838959},{"text":"Perfect.","start_word":5151,"end_word":5151,"sentiment":"positive","sentiment_score":0.41956228017807007},{"text":"Yes.","start_word":5152,"end_word":5152,"sentiment":"neutral","sentiment_score":0.3036913275718689},{"text":"You can do that.","start_word":5153,"end_word":5156,"sentiment":"positive","sentiment_score":0.3559020459651947},{"text":"So do Okay. you have any other questions for me, Ricky, before I let you go and enjoy your rest of your afternoon? No. It's I mean, it's I'll have it read through, and I'll Mhmm. yeah. I'll probably do that tomorrow and then sign it off tomorrow once I've Yeah. had a read through. But yeah. But, I mean, Yeah. it's all pretty much self explanatory anyway, so I'm happy Yeah. with with all that anyway. But yeah. No. I'll probably Yeah. just go through with with this one, but I just yeah. Yes. Send the other link just so I can have a have a look, Yes. compare a little bit.","start_word":5157,"end_word":5269,"sentiment":"neutral","sentiment_score":0.11943192034959792},{"text":"But, yeah, that sounds sounds pretty good.","start_word":5270,"end_word":5276,"sentiment":"positive","sentiment_score":0.4517659842967987},{"text":"Yeah.","start_word":5277,"end_word":5277,"sentiment":"neutral","sentiment_score":0.28750836849212646},{"text":"Perfect.","start_word":5278,"end_word":5278,"sentiment":"positive","sentiment_score":0.45136892795562744},{"text":"Here we go. But, yeah, we'll just keep a look at I will send you that email today. Probably within the next half an hour so that you do have it in your Yep. inbox, you have my direct email as well. So, yeah, just let me know if you have any questions or if you do wanna talk. You can either just send me an email, and I'll get one of my admins to to book you in, or you can just call the number directly as well.","start_word":5279,"end_word":5367,"sentiment":"neutral","sentiment_score":0.1541908403460899},{"text":"Perfect. Awesome. Yep. Thank you kindly. Appreciate it.","start_word":5368,"end_word":5375,"sentiment":"positive","sentiment_score":0.7127997279167175},{"text":"No.","start_word":5376,"end_word":5376,"sentiment":"neutral","sentiment_score":0.24188463389873505},{"text":"That is no problem. Well, thank you so much for your time this afternoon, Ricky. It was lovely speaking with you, and good luck with your German lessons. No worries. Thank you very much. You have a good No.","start_word":5377,"end_word":5415,"sentiment":"positive","sentiment_score":0.687099277973175},{"text":"week. You too. We'll speak soon. Okay. Take care. Alright. Bye. Bye. Bye.","start_word":5416,"end_word":5428,"sentiment":"neutral","sentiment_score":0.1400463879108429}],"average":{"sentiment":"neutral","sentiment_score":0.11476199694475071}}}}