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I had you booked in this morning just to kind of go through the the research after I did that on your investments after we spoke last time. Is now still a good time? Sure. No. All good. Take Take your time. Sure. All good. It shouldn't take too long today, honestly. So I'll try and make it as quick as I can, but if you do have to quickly duck off, just let me know. Now just before I do get started, just for security purposes, just have to let you know as well that the call is being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Please? Yes. Perfect. Now I know you're a little bit busy at the moment. So what I have done is I have sent you an email, though, with the the recommendation. And when you have a bit more time, have a look through it. If you have any questions, let me know. Otherwise, if you're happy for me to just kind of quickly run the changes with you now. Is that okay? Yep. Perfect. Now it is pretty straightforward. Today, a lot of it is just for compliance purposes just to make sure you fully understand everything. Now every time we do make a recommendation on any financial products and do personalized financial advice, we have to put everything in the statement of advice, mainly just some that compliance purpose for you. It is valid for sixty days as well. So if you do wanna take some time to have a read over it, you're more than welcome to. If you have any questions, again, let me know. Otherwise, every time we do make a recommendation, we do have to follow that best interest duty. So making sure that we always put your best interest before anything else and 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, Troy? Perfect. So pretty straightforward today. Like I said, it was just a research of just the investments to see if we could improve that situation a little bit for you. Not making any changes to insurances or anything else. So I did a lot of reset on your hub 24 as well just to make sure that's still the best option for you. Because there's always new products and features that's coming out, so it is good to kind of, you know, just reassess that for you. And at the moment, it's still very much a competitive option. So I have recommended we stay in Hub twenty four for you. They are very competitive when it comes to prices and features investment choices. I use Hub twenty four for my personal super as well. And, yeah, if I didn't think it was great, I wouldn't tell you to to use it, and I wouldn't use it myself either. Yeah. Perfect. Now I have made some changes in regards to their recommendations, though, and when it comes to your investments. So when you have a moment, that is outlined later on page 13. But you will see a table where it says investment changes. Now I have swapped out the Benelon concentrated equity that was underperforming a little bit, but then we also wanted to look at slightly reducing that risk exposure for USL from high growth down to growth for you. Do you remember that? Yep. Perfect. So, yeah, when you have a moment, page 13 outlines the changes. So you will see on one side all the investments, and then you'll have one column where it says buy and sell. So everything highlighted in red is what we are selling for you. Black is what's either remaining in the portfolio or new ones that we're buying. So it's a little bit of a mix. We are retaining some of your investments that's done really well. Some that we are retaining is your iShares S and P five hundred. Also retaining iShares Europe for you. Also retaining cybersecurity, gold, your defensive investments. That's staying, but not major changes. But we are changing some of your more satellite investments. So those are kind of a bit more targeted and specialized that was obviously added to try to outperform the market and different niches which change with time. So we have switched out the China investment for you. Also, iShares Asia, which you will see when you have a look at it. There is one that's called your Morningstar Global Tech. And then also the Global X battery we've swapped out along with Benelong. And what we have then introduced instead for you is we very much still rely you know, the investment philosophy stays the same. No major changes when it comes to that. Just trying to position you moving forward in a little bit better position, but also reducing that risk for you and trying to keep the costs down. So we've introduced an investments in Japan for you. We've also introduced 8% in Vanguard all world. You may have heard of Vanguard before. They're quite big. Yes. So that one here is a good investment because it invests around the globe, but it actually excludes The US because you already have exposures through The US in the iShares S and P 500. And we don't want too much exposure in one market either, so we wanna make sure that we diversify things for you. Like I said, we are keeping your gold, keeping a fixed interest for that defensive component. So not massive changes altogether. And if it is that you want to read up on these investments yourself a little bit as well, in the appendix, which is the attachment I have sent through to the email, there are investment links. So if it is that you wanna go and have a bit of a read over it in your own time, that's all there for you as well. But, basically, from an overview point of view, how that changes things for you is that it is actually reducing the cost on a yearly basis by about $607, which is pretty good just by swapping some of those investments around for you. Yeah. Now for your reference, when you have a look through the SOA, that's page 16. So you will have a table where it says fee comparison table, which kind of outlines your current situation, the current performance, and then the recommended as well. So that kind of outlines the fee changes 107. Now the good thing is, well, with with changing investments, if you are selling investments, sometimes you do have to pay a capital gains tax with doing so. But how we have swapped the investments for you, when we did the calculations, there was no estimated tax to be paid for you, which is great. So we're trying to minimize that. So so that's really good. And when we are looking at a five year rolling recommended portfolio has outperformed your current one by about 6.13%, which is pretty good. Yeah. And that is also factoring in that we are reducing that risk for you. And, typically, when we are reducing from, like, your high growth to growth, we can see that long term, the returns might not be as great because you are seeing less fluctuations and more investment in those defenses. But in this instance, it's not, which which is really good because you're taking on less risk, less fluctuations, and the returns have improved a little bit for you. And on page 17, I've then kind of outlined a bit more of that return for you. So I've done a twelve month comparison, a three year, and a five year time period so that you can see that. And, yeah, and all three has outperformed, again, your current situation, which is which is really good. Exactly. Now the the last thing is that on page 20, it talks about a remuneration. So if it is that you are happy to go ahead with making those couple of investment changes there, Troy, there is no additional fees and charges whatsoever in regards to that. That is all part of the ongoing advice fee, which stays again exactly the same at 1.65, but no changes whatsoever. And I have also included, just for compliance purposes, if you do have a look at it, your insurances. Now we do get commissions from the insurer. It is exactly the same. It's 22% ongoing for every single insurance out there. So it doesn't sway us in any way to recommend one provider over the other. But that is paying us. It is not you paying us. But for compliances, every commissions or anything we do receive, we have to fully disclose it so that you are fully aware. Does that make sense? Yeah. Perfect. Now that was basically the gist of it. So very straightforward today. Just trying to make a couple of changes to your investment and reducing that risk for you while still keeping you in Hub 24. Now, Troy, do you have any questions in regards to any of that, or what are your thoughts on it? Perfect. So, essentially, from here, like I said, have a look through the document when you have a moment. Any questions, let me know. We can always book in another catch up. If not, if you you're happy with the recommendation, moving forward would just be to sign those documents. I will then get a copy sent through to me, and I will let the team know to go ahead and make those couple of investment switches for you. Yep. Yep. Yep. And I should just read that one document. You can sometimes it it asks you to type something. So that is if you would like to go ahead and make a change to any of it, you can type it here. If not, you can just do n a or full stop, and then it should let you move forward. Yeah. Yeah. I've done this a few times. You know? Oh, yeah. And usually people get stuck in that section. It's like, I can't. I was like, yep. No. Just do it then. Yep. Beautiful. I will keep a lookout of that document. And, yeah, as soon as it comes through, I will let the team know, and we'll go ahead and make this investment switch for you. No problem, Ronald. I hope you enjoy the rest of your afternoon. And if there's anything else that you need in the meantime, don't hesitate to give a call. No problem. We'll speak soon. Okay. 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morning, Troy. This is Franca from OQ Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in this morning just to kind of go through the the research after I did that on your investments after we spoke last time. Is now still a good time? Sure. No.\n\nAll good. Take Take your time. Sure. All good. It shouldn't take too long today, honestly.\n\nSo I'll try and make it as quick as I can, but if you do have to quickly duck off, just let me know. Now just before I do get started, just for security purposes, just have to let you know as well that the call is being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Please?\n\nYes. Perfect. Now I know you're a little bit busy at the moment. So what I have done is I have sent you an email, though, with the the recommendation. And when you have a bit more time, have a look through it.\n\nIf you have any questions, let me know. Otherwise, if you're happy for me to just kind of quickly run the changes with you now. Is that okay? Yep. Perfect.\n\nNow it is pretty straightforward. Today, a lot of it is just for compliance purposes just to make sure you fully understand everything. Now every time we do make a recommendation on any financial products and do personalized financial advice, we have to put everything in the statement of advice, mainly just some that compliance purpose for you. It is valid for sixty days as well. So if you do wanna take some time to have a read over it, you're more than welcome to.\n\nIf you have any questions, again, let me know. Otherwise, every time we do make a recommendation, we do have to follow that best interest duty. So making sure that we always put your best interest before anything else and 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, Troy?\n\nPerfect. So pretty straightforward today. Like I said, it was just a research of just the investments to see if we could improve that situation a little bit for you. Not making any changes to insurances or anything else. So I did a lot of reset on your hub 24 as well just to make sure that's still the best option for you.\n\nBecause there's always new products and features that's coming out, so it is good to kind of, you know, just reassess that for you. And at the moment, it's still very much a competitive option. So I have recommended we stay in Hub twenty four for you. They are very competitive when it comes to prices and features investment choices. I use Hub twenty four for my personal super as well.\n\nAnd, yeah, if I didn't think it was great, I wouldn't tell you to to use it, and I wouldn't use it myself either. Yeah. Perfect. Now I have made some changes in regards to their recommendations, though, and when it comes to your investments. So when you have a moment, that is outlined later on page 13.\n\nBut you will see a table where it says investment changes. Now I have swapped out the Benelon concentrated equity that was underperforming a little bit, but then we also wanted to look at slightly reducing that risk exposure for USL from high growth down to growth for you. Do you remember that? Yep. Perfect.\n\nSo, yeah, when you have a moment, page 13 outlines the changes. So you will see on one side all the investments, and then you'll have one column where it says buy and sell. So everything highlighted in red is what we are selling for you. Black is what's either remaining in the portfolio or new ones that we're buying. So it's a little bit of a mix.\n\nWe are retaining some of your investments that's done really well. Some that we are retaining is your iShares S and P five hundred. Also retaining iShares Europe for you. Also retaining cybersecurity, gold, your defensive investments. That's staying, but not major changes.\n\nBut we are changing some of your more satellite investments. So those are kind of a bit more targeted and specialized that was obviously added to try to outperform the market and different niches which change with time. So we have switched out the China investment for you. Also, iShares Asia, which you will see when you have a look at it. There is one that's called your Morningstar Global Tech.\n\nAnd then also the Global X battery we've swapped out along with Benelong. And what we have then introduced instead for you is we very much still rely you know, the investment philosophy stays the same. No major changes when it comes to that. Just trying to position you moving forward in a little bit better position, but also reducing that risk for you and trying to keep the costs down. So we've introduced an investments in Japan for you.\n\nWe've also introduced 8% in Vanguard all world. You may have heard of Vanguard before. They're quite big. Yes. So that one here is a good investment because it invests around the globe, but it actually excludes The US because you already have exposures through The US in the iShares S and P 500.\n\nAnd we don't want too much exposure in one market either, so we wanna make sure that we diversify things for you. Like I said, we are keeping your gold, keeping a fixed interest for that defensive component. So not massive changes altogether. And if it is that you want to read up on these investments yourself a little bit as well, in the appendix, which is the attachment I have sent through to the email, there are investment links. So if it is that you wanna go and have a bit of a read over it in your own time, that's all there for you as well.\n\nBut, basically, from an overview point of view, how that changes things for you is that it is actually reducing the cost on a yearly basis by about $607, which is pretty good just by swapping some of those investments around for you. Yeah. Now for your reference, when you have a look through the SOA, that's page 16. So you will have a table where it says fee comparison table, which kind of outlines your current situation, the current performance, and then the recommended as well. So that kind of outlines the fee changes 107.\n\nNow the good thing is, well, with with changing investments, if you are selling investments, sometimes you do have to pay a capital gains tax with doing so. But how we have swapped the investments for you, when we did the calculations, there was no estimated tax to be paid for you, which is great. So we're trying to minimize that. So so that's really good. And when we are looking at a five year rolling recommended portfolio has outperformed your current one by about 6.13%, which is pretty good.\n\nYeah. And that is also factoring in that we are reducing that risk for you. And, typically, when we are reducing from, like, your high growth to growth, we can see that long term, the returns might not be as great because you are seeing less fluctuations and more investment in those defenses. But in this instance, it's not, which which is really good because you're taking on less risk, less fluctuations, and the returns have improved a little bit for you. And on page 17, I've then kind of outlined a bit more of that return for you.\n\nSo I've done a twelve month comparison, a three year, and a five year time period so that you can see that. And, yeah, and all three has outperformed, again, your current situation, which is which is really good. Exactly. Now the the last thing is that on page 20, it talks about a remuneration. So if it is that you are happy to go ahead with making those couple of investment changes there, Troy, there is no additional fees and charges whatsoever in regards to that.\n\nThat is all part of the ongoing advice fee, which stays again exactly the same at 1.65, but no changes whatsoever. And I have also included, just for compliance purposes, if you do have a look at it, your insurances. Now we do get commissions from the insurer. It is exactly the same. It's 22% ongoing for every single insurance out there.\n\nSo it doesn't sway us in any way to recommend one provider over the other. But that is paying us. It is not you paying us. But for compliances, every commissions or anything we do receive, we have to fully disclose it so that you are fully aware. Does that make sense?\n\nYeah. Perfect. Now that was basically the gist of it. So very straightforward today. Just trying to make a couple of changes to your investment and reducing that risk for you while still keeping you in Hub 24.\n\nNow, Troy, do you have any questions in regards to any of that, or what are your thoughts on it? Perfect. So, essentially, from here, like I said, have a look through the document when you have a moment. Any questions, let me know. We can always book in another catch up.\n\nIf not, if you you're happy with the recommendation, moving forward would just be to sign those documents. I will then get a copy sent through to me, and I will let the team know to go ahead and make those couple of investment switches for you. Yep. Yep. Yep.\n\nAnd I should just read that one document. You can sometimes it it asks you to type something. So that is if you would like to go ahead and make a change to any of it, you can type it here. If not, you can just do n a or full stop, and then it should let you move forward. Yeah.\n\nYeah. I've done this a few times. You know? Oh, yeah. And usually people get stuck in that section.\n\nIt's like, I can't. I was like, yep. No. Just do it then. Yep.\n\nBeautiful. I will keep a lookout of that document. And, yeah, as soon as it comes through, I will let the team know, and we'll go ahead and make this investment switch for you. No problem, Ronald. I hope you enjoy the rest of your afternoon.\n\nAnd if there's anything else that you need in the meantime, don't hesitate to give a call. No problem. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Troy.","start":2.8799999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.29078222314516705},{"text":"This is Franca from OQ Financial.","start":3.6799998,"end":5.54,"sentiment":"neutral","sentiment_score":0.23771156122287115},{"text":"How are you?","start":5.6,"end":6.42,"sentiment":"neutral","sentiment_score":0.18364537755648294},{"text":"Yeah.","start":8.24,"end":8.48,"sentiment":"positive","sentiment_score":0.34094056487083435},{"text":"I'm good.","start":8.48,"end":9.12,"sentiment":"positive","sentiment_score":0.5457012057304382}],"sentiment":"neutral","sentiment_score":0.28545967638492586,"num_words":15,"start":2.8799999,"end":9.12},{"sentences":[{"text":"Thanks.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.6833347082138062},{"text":"I had you booked in this morning just to kind of go through the the research after I did that on your investments after we spoke last time.","start":10.96,"end":18.355,"sentiment":"neutral","sentiment_score":0.2149711690310921},{"text":"Is now still a good time?","start":18.814999,"end":20.195,"sentiment":"neutral","sentiment_score":0.2048318013548851},{"text":"Sure.","start":27.454998,"end":27.954998,"sentiment":"neutral","sentiment_score":0.13626407086849213},{"text":"No.","start":29.615,"end":29.855,"sentiment":"neutral","sentiment_score":0.016832055523991585}],"sentiment":"neutral","sentiment_score":0.21850309123259945,"num_words":37,"start":9.12,"end":29.855},{"sentences":[{"text":"All good.","start":29.855,"end":30.175,"sentiment":"neutral","sentiment_score":0.09071418642997742},{"text":"Take Take your time.","start":30.175,"end":31.18,"sentiment":"neutral","sentiment_score":0.047559574246406555},{"text":"Sure.","start":33.48,"end":33.98,"sentiment":"neutral","sentiment_score":0.27344605326652527},{"text":"All good.","start":71.09,"end":71.65,"sentiment":"positive","sentiment_score":0.44501055777072906},{"text":"It shouldn't take too long today, honestly.","start":71.65,"end":73.725,"sentiment":"neutral","sentiment_score":0.19667703551905497}],"sentiment":"neutral","sentiment_score":0.18199206795543432,"num_words":16,"start":29.855,"end":73.725},{"sentences":[{"text":"So I'll try and make it as quick as I can, but if you do have to quickly duck off, just let me know.","start":74.585,"end":79.405,"sentiment":"neutral","sentiment_score":0.11490507004782557},{"text":"Now just before I do get started, just for security purposes, just have to let you know as well that the call is being recorded for quality and coaching purposes, if that's okay.","start":81.545,"end":91.23,"sentiment":"neutral","sentiment_score":0.031556542737014366},{"text":"Perfect.","start":92.73,"end":93.21,"sentiment":"neutral","sentiment_score":0.319446861743927},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":93.21,"end":99.255,"sentiment":"neutral","sentiment_score":0.08577696684127052},{"text":"Please?","start":105.174995,"end":105.674995,"sentiment":"neutral","sentiment_score":0.016517627984285355}],"sentiment":"neutral","sentiment_score":0.07462288295648184,"num_words":83,"start":74.585,"end":105.674995},{"sentences":[{"text":"Yes.","start":106.454994,"end":106.954994,"sentiment":"neutral","sentiment_score":0.09236863255500792},{"text":"Perfect.","start":107.015,"end":107.515,"sentiment":"neutral","sentiment_score":0.1972396969795227},{"text":"Now I know you're a little bit busy at the moment.","start":108.295,"end":110.375,"sentiment":"neutral","sentiment_score":-0.013851987578990784},{"text":"So what I have done is I have sent you an email, though, with the the recommendation.","start":110.375,"end":114.520004,"sentiment":"neutral","sentiment_score":0.08987084184499348},{"text":"And when you have a bit more time, have a look through it.","start":116.020004,"end":119.46001,"sentiment":"neutral","sentiment_score":0.14043162075372842}],"sentiment":"neutral","sentiment_score":0.0811779499378835,"num_words":43,"start":106.454994,"end":119.46001},{"sentences":[{"text":"If you have any questions, let me know.","start":119.46001,"end":121.72,"sentiment":"neutral","sentiment_score":0.12570500560104847},{"text":"Otherwise, if you're happy for me to just kind of quickly run the changes with you now.","start":122.18,"end":127.655,"sentiment":"neutral","sentiment_score":0.22920470991555383},{"text":"Is that okay?","start":127.795,"end":128.615,"sentiment":"neutral","sentiment_score":0.1326035956541697},{"text":"Yep.","start":128.915,"end":129.315,"sentiment":"neutral","sentiment_score":0.20291602611541748},{"text":"Perfect.","start":129.315,"end":129.815,"sentiment":"positive","sentiment_score":0.529293417930603}],"sentiment":"neutral","sentiment_score":0.20107134481271108,"num_words":30,"start":119.46001,"end":129.815},{"sentences":[{"text":"Now it is pretty straightforward.","start":130.755,"end":132.135,"sentiment":"positive","sentiment_score":0.3637825667858124},{"text":"Today, a lot of it is just for compliance purposes just to make sure you fully understand everything.","start":132.515,"end":138.295,"sentiment":"neutral","sentiment_score":0.1729625773926576},{"text":"Now every time we do make a recommendation on any financial products and do personalized financial advice, we have to put everything in the statement of advice, mainly just some that compliance purpose for you.","start":140.25,"end":151.47,"sentiment":"neutral","sentiment_score":0.16003563042197907},{"text":"It is valid for sixty days as well.","start":152.17,"end":154.275,"sentiment":"neutral","sentiment_score":0.21987611800432205},{"text":"So if you do wanna take some time to have a read over it, you're more than welcome to.","start":154.275,"end":158.19499,"sentiment":"positive","sentiment_score":0.4258161940072712}],"sentiment":"neutral","sentiment_score":0.23980003437575173,"num_words":85,"start":130.755,"end":158.19499},{"sentences":[{"text":"If you have any questions, again, let me know.","start":158.19499,"end":160.855,"sentiment":"neutral","sentiment_score":0.2041519069009357},{"text":"Otherwise, every time we do make a recommendation, we do have to follow that best interest duty.","start":162.035,"end":167.03,"sentiment":"neutral","sentiment_score":0.1094214429750162},{"text":"So making sure that we always put your best interest before anything else and that the advice itself has to put you in a better position as a result of the advice.","start":167.25,"end":176.61,"sentiment":"neutral","sentiment_score":0.06913181103300303},{"text":"Otherwise, we can't actually make the recommendation.","start":176.61,"end":178.63,"sentiment":"neutral","sentiment_score":-0.11264277356011528},{"text":"Does that make sense, Troy?","start":179.01,"end":180.31,"sentiment":"neutral","sentiment_score":0.04695177599787712}],"sentiment":"neutral","sentiment_score":0.07651441586869104,"num_words":70,"start":158.19499,"end":180.31},{"sentences":[{"text":"Perfect.","start":180.77,"end":181.27,"sentiment":"positive","sentiment_score":0.6110451817512512},{"text":"So pretty straightforward today.","start":182.635,"end":184.33499,"sentiment":"positive","sentiment_score":0.5533459633588791},{"text":"Like I said, it was just a research of just the investments to see if we could improve that situation a little bit for you.","start":185.275,"end":191.935,"sentiment":"neutral","sentiment_score":0.25587070494890213},{"text":"Not making any changes to insurances or anything else.","start":192.235,"end":196.33,"sentiment":"neutral","sentiment_score":-0.1386734503838751},{"text":"So I did a lot of reset on your hub 24 as well just to make sure that's still the best option for you.","start":196.33,"end":203.15,"sentiment":"neutral","sentiment_score":0.10762311921765406}],"sentiment":"neutral","sentiment_score":0.16755699153457368,"num_words":63,"start":180.77,"end":203.15},{"sentences":[{"text":"Because there's always new products and features that's coming out, so it is good to kind of, you know, just reassess that for you.","start":203.76999,"end":210.03499,"sentiment":"neutral","sentiment_score":0.1908571139598886},{"text":"And at the moment, it's still very much a competitive option.","start":210.575,"end":214.415,"sentiment":"neutral","sentiment_score":0.21685885163870725},{"text":"So I have recommended we stay in Hub twenty four for you.","start":214.415,"end":217.31499,"sentiment":"neutral","sentiment_score":0.2388095110654831},{"text":"They are very competitive when it comes to prices and features investment choices.","start":218.015,"end":222.61,"sentiment":"positive","sentiment_score":0.3713544148665208},{"text":"I use Hub twenty four for my personal super as well.","start":223.31001,"end":226.37001,"sentiment":"neutral","sentiment_score":0.3205589150840586}],"sentiment":"neutral","sentiment_score":0.25613362950758195,"num_words":71,"start":203.76999,"end":226.37001},{"sentences":[{"text":"And, yeah, if I didn't think it was great, I wouldn't tell you to to use it, and I wouldn't use it myself either.","start":226.99,"end":232.05,"sentiment":"neutral","sentiment_score":-0.13970542637010416},{"text":"Yeah.","start":233.39001,"end":233.89001,"sentiment":"neutral","sentiment_score":0.23104830086231232},{"text":"Perfect.","start":234.03001,"end":234.53001,"sentiment":"positive","sentiment_score":0.4327048659324646},{"text":"Now I have made some changes in regards to their recommendations, though, and when it comes to your investments.","start":235.045,"end":240.745,"sentiment":"neutral","sentiment_score":0.04849234419433694},{"text":"So when you have a moment, that is outlined later on page 13.","start":241.36499,"end":247.94499,"sentiment":"neutral","sentiment_score":0.05617425619409634}],"sentiment":"neutral","sentiment_score":-0.017888917170208078,"num_words":58,"start":226.99,"end":247.94499},{"sentences":[{"text":"But you will see a table where it says investment changes.","start":248.56499,"end":252.23,"sentiment":"neutral","sentiment_score":0.02231285043738105},{"text":"Now I have swapped out the Benelon concentrated equity that was underperforming a little bit, but then we also wanted to look at slightly reducing that risk exposure for USL from high growth down to growth for you.","start":253.17,"end":266.455,"sentiment":"neutral","sentiment_score":-0.05223072359436437},{"text":"Do you remember that?","start":266.455,"end":267.595,"sentiment":"neutral","sentiment_score":0.03192646009847522},{"text":"Yep.","start":267.815,"end":268.215,"sentiment":"neutral","sentiment_score":0.13974201679229736},{"text":"Perfect.","start":268.215,"end":268.715,"sentiment":"positive","sentiment_score":0.682111382484436}],"sentiment":"neutral","sentiment_score":-0.014359398220073092,"num_words":55,"start":248.56499,"end":268.715},{"sentences":[{"text":"So, yeah, when you have a moment, page 13 outlines the changes.","start":269.57498,"end":273.115,"sentiment":"neutral","sentiment_score":0.19727860391139984},{"text":"So you will see on one side all the investments, and then you'll have one column where it says buy and sell.","start":273.335,"end":280.55002,"sentiment":"neutral","sentiment_score":0.12878906083377925},{"text":"So everything highlighted in red is what we are selling for you.","start":281.01,"end":286.15002,"sentiment":"neutral","sentiment_score":0.27595814565817517},{"text":"Black is what's either remaining in the portfolio or new ones that we're buying.","start":286.85,"end":291.33002,"sentiment":"neutral","sentiment_score":0.09086814842053823},{"text":"So it's a little bit of a mix.","start":291.33002,"end":292.85,"sentiment":"neutral","sentiment_score":0.15169174131006002}],"sentiment":"neutral","sentiment_score":0.16173365208155968,"num_words":68,"start":269.57498,"end":292.85},{"sentences":[{"text":"We are retaining some of your investments that's done really well.","start":292.85,"end":296.225,"sentiment":"positive","sentiment_score":0.353515780784867},{"text":"Some that we are retaining is your iShares S and P five hundred.","start":296.605,"end":300.545,"sentiment":"neutral","sentiment_score":0.22141164885117456},{"text":"Also retaining iShares Europe for you.","start":301.08502,"end":303.98502,"sentiment":"neutral","sentiment_score":0.19858027746280035},{"text":"Also retaining cybersecurity, gold, your defensive investments.","start":305.325,"end":309.44,"sentiment":"neutral","sentiment_score":0.16654674815280096},{"text":"That's staying, but not major changes.","start":309.44,"end":312.64,"sentiment":"neutral","sentiment_score":0.09051529193917911}],"sentiment":"neutral","sentiment_score":0.22482385295768118,"num_words":43,"start":292.85,"end":312.64},{"sentences":[{"text":"But we are changing some of your more satellite investments.","start":312.64,"end":317.68002,"sentiment":"neutral","sentiment_score":0.09469865933060646},{"text":"So those are kind of a bit more targeted and specialized that was obviously added to try to outperform the market and different niches which change with time.","start":317.68002,"end":327.045,"sentiment":"neutral","sentiment_score":0.1582492289266416},{"text":"So we have switched out the China investment for you.","start":327.585,"end":332.70502,"sentiment":"neutral","sentiment_score":0.15418581664562225},{"text":"Also, iShares Asia, which you will see when you have a look at it.","start":332.70502,"end":336.65,"sentiment":"neutral","sentiment_score":0.1557163537612983},{"text":"There is one that's called your Morningstar Global Tech.","start":336.65,"end":339.71,"sentiment":"neutral","sentiment_score":0.1631712383694119}],"sentiment":"neutral","sentiment_score":0.1488506094041005,"num_words":71,"start":312.64,"end":339.71},{"sentences":[{"text":"And then also the Global X battery we've swapped out along with Benelong.","start":340.73,"end":346.27,"sentiment":"neutral","sentiment_score":0.17017372984152573},{"text":"And what we have then introduced instead for you is we very much still rely you know, the investment philosophy stays the same.","start":346.88998,"end":355.385,"sentiment":"neutral","sentiment_score":0.17217985573022263},{"text":"No major changes when it comes to that.","start":355.385,"end":357.805,"sentiment":"neutral","sentiment_score":0.11372095998376608},{"text":"Just trying to position you moving forward in a little bit better position, but also reducing that risk for you and trying to keep the costs down.","start":358.025,"end":366.6,"sentiment":"positive","sentiment_score":0.33688657151328194},{"text":"So we've introduced an investments in Japan for you.","start":366.6,"end":372.28,"sentiment":"neutral","sentiment_score":0.3097212182150947}],"sentiment":"neutral","sentiment_score":0.23706989055499433,"num_words":80,"start":340.73,"end":372.28},{"sentences":[{"text":"We've also introduced 8% in Vanguard all world.","start":372.28,"end":376.52002,"sentiment":"neutral","sentiment_score":0.26086025685071945},{"text":"You may have heard of Vanguard before.","start":376.52002,"end":378.085,"sentiment":"neutral","sentiment_score":0.10183703792946679},{"text":"They're quite big.","start":378.085,"end":380.02502,"sentiment":"neutral","sentiment_score":0.1685911864042282},{"text":"Yes.","start":380.885,"end":381.385,"sentiment":"neutral","sentiment_score":0.019540295004844666},{"text":"So that one here is a good investment because it invests around the globe, but it actually excludes The US because you already have exposures through The US in the iShares S and P 500.","start":381.76498,"end":394.42,"sentiment":"neutral","sentiment_score":0.2273701514516558}],"sentiment":"neutral","sentiment_score":0.20894463843217603,"num_words":54,"start":372.28,"end":394.42},{"sentences":[{"text":"And we don't want too much exposure in one market either, so we wanna make sure that we diversify things for you.","start":394.42,"end":401.08002,"sentiment":"neutral","sentiment_score":0.1251622617922046},{"text":"Like I said, we are keeping your gold, keeping a fixed interest for that defensive component.","start":402.26,"end":408.88498,"sentiment":"neutral","sentiment_score":0.25496308598667383},{"text":"So not massive changes altogether.","start":409.66498,"end":412.085,"sentiment":"neutral","sentiment_score":0.1255425177514553},{"text":"And if it is that you want to read up on these investments yourself a little bit as well, in the appendix, which is the attachment I have sent through to the email, there are investment links.","start":412.38498,"end":423.25,"sentiment":"neutral","sentiment_score":0.16572870616171811},{"text":"So if it is that you wanna go and have a bit of a read over it in your own time, that's all there for you as well.","start":423.25,"end":429.27,"sentiment":"neutral","sentiment_score":0.23402970284223557}],"sentiment":"neutral","sentiment_score":0.18653227344017337,"num_words":108,"start":394.42,"end":429.27},{"sentences":[{"text":"But, basically, from an overview point of view, how that changes things for you is that it is actually reducing the cost on a yearly basis by about $607, which is pretty good just by swapping some of those investments around for you.","start":430.69,"end":446.125,"sentiment":"neutral","sentiment_score":0.31421548457339754},{"text":"Yeah.","start":447.145,"end":447.645,"sentiment":"neutral","sentiment_score":0.2089070826768875},{"text":"Now for your reference, when you have a look through the SOA, that's page 16.","start":448.025,"end":452.16,"sentiment":"neutral","sentiment_score":0.15864712099234263},{"text":"So you will have a table where it says fee comparison table, which kind of outlines your current situation, the current performance, and then the recommended as well.","start":452.16,"end":463.46,"sentiment":"neutral","sentiment_score":0.1601331712944167},{"text":"So that kind of outlines the fee changes 107.","start":463.76,"end":468.30502,"sentiment":"neutral","sentiment_score":0.10691657331254747}],"sentiment":"neutral","sentiment_score":0.22443601760702828,"num_words":96,"start":430.69,"end":468.30502},{"sentences":[{"text":"Now the good thing is, well, with with changing investments, if you are selling investments, sometimes you do have to pay a capital gains tax with doing so.","start":469.08502,"end":477.665,"sentiment":"neutral","sentiment_score":0.15279426159603254},{"text":"But how we have swapped the investments for you, when we did the calculations, there was no estimated tax to be paid for you, which is great.","start":478.285,"end":485.30002,"sentiment":"positive","sentiment_score":0.4202335631405866},{"text":"So we're trying to minimize that.","start":485.30002,"end":487.0,"sentiment":"positive","sentiment_score":0.41466620564460754},{"text":"So so that's really good.","start":487.54,"end":490.98,"sentiment":"positive","sentiment_score":0.6985239505767822},{"text":"And when we are looking at a five year rolling recommended portfolio has outperformed your current one by about 6.13%, which is pretty good.","start":490.98,"end":504.495,"sentiment":"positive","sentiment_score":0.6541674931844076}],"sentiment":"positive","sentiment_score":0.41450202614068987,"num_words":90,"start":469.08502,"end":504.495},{"sentences":[{"text":"Yeah.","start":505.995,"end":506.235,"sentiment":"positive","sentiment_score":0.3644058108329773},{"text":"And that is also factoring in that we are reducing that risk for you.","start":506.235,"end":510.35,"sentiment":"positive","sentiment_score":0.3656848275235721},{"text":"And, typically, when we are reducing from, like, your high growth to growth, we can see that long term, the returns might not be as great because you are seeing less fluctuations and more investment in those defenses.","start":510.35,"end":523.725,"sentiment":"neutral","sentiment_score":-0.004610186785851654},{"text":"But in this instance, it's not, which which is really good because you're taking on less risk, less fluctuations, and the returns have improved a little bit for you.","start":523.985,"end":533.285,"sentiment":"neutral","sentiment_score":0.31393942840654276},{"text":"And on page 17, I've then kind of outlined a bit more of that return for you.","start":535.02496,"end":540.99,"sentiment":"neutral","sentiment_score":0.2917253103326349}],"sentiment":"neutral","sentiment_score":0.19568060603782986,"num_words":99,"start":505.995,"end":540.99},{"sentences":[{"text":"So I've done a twelve month comparison, a three year, and a five year time period so that you can see that.","start":540.99,"end":547.08997,"sentiment":"neutral","sentiment_score":0.2331762361255559},{"text":"And, yeah, and all three has outperformed, again, your current situation, which is which is really good.","start":548.02997,"end":557.115,"sentiment":"positive","sentiment_score":0.600917225374895},{"text":"Exactly.","start":557.115,"end":557.615,"sentiment":"neutral","sentiment_score":0.19033893942832947},{"text":"Now the the last thing is that on page 20, it talks about a remuneration.","start":559.035,"end":566.65497,"sentiment":"neutral","sentiment_score":0.09595026423533758},{"text":"So if it is that you are happy to go ahead with making those couple of investment changes there, Troy, there is no additional fees and charges whatsoever in regards to that.","start":567.115,"end":577.66,"sentiment":"neutral","sentiment_score":0.17465263791382313}],"sentiment":"neutral","sentiment_score":0.25935571657857676,"num_words":87,"start":540.99,"end":577.66},{"sentences":[{"text":"That is all part of the ongoing advice fee, which stays again exactly the same at 1.65, but no changes whatsoever.","start":577.66,"end":585.755,"sentiment":"neutral","sentiment_score":0.1666751793097882},{"text":"And I have also included, just for compliance purposes, if you do have a look at it, your insurances.","start":586.21497,"end":592.555,"sentiment":"neutral","sentiment_score":0.08960719053682528},{"text":"Now we do get commissions from the insurer.","start":593.175,"end":595.75,"sentiment":"neutral","sentiment_score":0.13750428892672062},{"text":"It is exactly the same.","start":596.68994,"end":598.12994,"sentiment":"neutral","sentiment_score":0.16898423731327056},{"text":"It's 22% ongoing for every single insurance out 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get stuck in that section.","start":711.405,"end":713.245,"sentiment":"neutral","sentiment_score":-0.06930525274947286}],"sentiment":"neutral","sentiment_score":-0.004678912264736075,"num_words":19,"start":705.885,"end":713.245},{"sentences":[{"text":"It's like, I can't.","start":713.245,"end":713.965,"sentiment":"neutral","sentiment_score":-0.08110488392412663},{"text":"I was like, yep.","start":713.965,"end":720.16,"sentiment":"neutral","sentiment_score":-0.01164502976462245},{"text":"No.","start":720.33,"end":720.83,"sentiment":"neutral","sentiment_score":-0.0059130266308784485},{"text":"Just do it 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This is Troy. Good. Thank you. And yourself? Cool. Yes. Yep. We should be alright. If actually, if you could give me about half a minute here to Good day. How are you going? Just to serve someone. Alright. Hang on. I'll just put the phone down for about thirty seconds. Thank you. Thank you very much. Okay. See you. Okay. Back with you. There should be a lot of stuff out there as well. They just tied up, but all good. Yep. Thank you. Yep. Not a problem. Troy Randall Branson. '5 631. Yep. Yes. Yeah. That's good. Yep. Yep. Correct. Yep. Yep. Totally. Yes. Yep. Yes. Yep. Yeah. Exactly. Yep. Yep. Yep. Yes. Yes. Yes. Mhmm. Right. Yep. Yes. Cool. Yes. Stay message. Yes. Yes. Cool. Yep. No worries. Yes. Absolutely. Yep. Yep. Perfect. Awesome. Yeah. Cool. Mhmm. Yep. Nice. Yep. About that now. Yep. Cool. That's what we want. Yeah. Yep. Yep. Yes. Yep. Yep. Yes. That does. Yes. Thank you. Yep. Cool. No. You've got it pretty well sorted there. Yeah. Yep. Cool. Yep. Yeah. On the bottom, there's a signature at the bottom. Please sign blur on that and the date. Is there, like, a submit order here? No. We'll just hit next on the left hand tab. Text. What's that text field? I've been very varying any recommended. Now let's move forward here. I'm good. Look at you guys. Once or twice, I reckon you might have. Yes. Yeah. Keep going back to it. Yep. There's a little purple bar at the bottom. Validate and send. That's loading up. So that's on its way back to you now. Cool. Excellent. Thank you very much. Thank you very much, Veronica. Awesome. Thank you. See 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date.","start":671.23004,"end":673.17004,"sentiment":"neutral","sentiment_score":0.04903277335688472}],"sentiment":"neutral","sentiment_score":0.07858391478657722,"num_words":20,"start":665.63,"end":673.17004},{"sentences":[{"text":"Is there, like, a submit order here?","start":673.55005,"end":675.695,"sentiment":"neutral","sentiment_score":0.033947188939367025},{"text":"No.","start":675.695,"end":675.93506,"sentiment":"neutral","sentiment_score":-0.016824420541524887},{"text":"We'll just hit next on the left hand tab.","start":675.93506,"end":678.195,"sentiment":"neutral","sentiment_score":0.0029108631553956205},{"text":"Text.","start":683.61505,"end":684.11505,"sentiment":"neutral","sentiment_score":0.010440001264214516},{"text":"What's that text 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send.","start":719.79,"end":721.08997,"sentiment":"neutral","sentiment_score":-0.0035091154277324677},{"text":"That's loading up.","start":721.23,"end":722.02997,"sentiment":"neutral","sentiment_score":0.0759766697883606},{"text":"So that's on its way back to you now.","start":722.02997,"end":723.97,"sentiment":"neutral","sentiment_score":0.12731725556982887},{"text":"Cool.","start":728.02997,"end":728.52997,"sentiment":"positive","sentiment_score":0.4810014963150024},{"text":"Excellent.","start":733.485,"end":733.985,"sentiment":"positive","sentiment_score":0.4093829095363617}],"sentiment":"neutral","sentiment_score":0.1325671981801005,"num_words":17,"start":719.79,"end":733.985},{"sentences":[{"text":"Thank you very much.","start":734.205,"end":735.265,"sentiment":"positive","sentiment_score":0.8521804064512253},{"text":"Thank you very much, Veronica.","start":742.91895,"end":744.21893,"sentiment":"positive","sentiment_score":0.7208893179893494},{"text":"Awesome.","start":746.43896,"end":746.91895,"sentiment":"positive","sentiment_score":0.8163943290710449},{"text":"Thank you.","start":746.91895,"end":747.399,"sentiment":"positive","sentiment_score":0.7816334068775177},{"text":"See you.","start":747.399,"end":748.05896,"sentiment":"positive","sentiment_score":0.6770545244216919}],"sentiment":"positive","sentiment_score":0.7676384576729366,"num_words":14,"start":734.205,"end":748.05896}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Troy.\n\nChannel 0: Good morning, Troy. This is Franca from OQ Financial. How are you?\n\nChannel 1: Good. Thank you. And yourself?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: Cool.\n\nChannel 0: I had you booked in this morning just to kind of go through the the research after I did that on your investments after we spoke last time.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Is now still a good time?\n\nChannel 1: We should be alright. If actually, if you could give me about half a minute here to Good day.\n\nChannel 0: Sure.\n\nChannel 1: How are you going? Just to serve someone.\n\nChannel 0: No. All good. Take Take\n\nChannel 1: Alright.\n\nChannel 0: your time.\n\nChannel 1: Hang on. I'll just put the phone down for about thirty seconds. Thank you.\n\nChannel 0: Sure.\n\nChannel 1: Thank you very much. Okay. See you. Okay. Back with you.\n\nThere should be a lot of stuff out there as well. They just tied up, but all good.\n\nChannel 0: All good. It shouldn't take too long today, honestly.\n\nChannel 1: Yep.\n\nChannel 0: So I'll try and make it as quick as I can, but if you do have to quickly duck off, just let me know.\n\nChannel 1: Thank you.\n\nChannel 0: Now just before I do get started, just for security purposes, just have to let you know as well that the call is being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: Troy Randall Branson. '5\n\nChannel 0: Please?\n\nChannel 1: 631.\n\nChannel 0: Yes. Perfect. Now I know you're a little bit busy at the moment. So what I have done is I have sent you an email, though, with the the recommendation.\n\nChannel 1: Yep.\n\nChannel 0: And when you have a bit more time, have a look through it. If you have any questions, let me know. Otherwise, if you're happy for me to just kind of quickly run the changes with you now. Is that okay?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's good.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now it is pretty straightforward. Today, a lot of it is just for compliance purposes just to make sure you fully understand everything. Now every time we do make a recommendation on any financial products and do personalized financial advice, we have to put everything in the statement of advice, mainly just some that compliance purpose for you. It is valid for sixty days as well. So if you do wanna take some time to have a read over it, you're more than welcome to.\n\nIf you have any questions, again, let me know.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, every time we do make a recommendation, we do have to follow that best interest duty. So making sure that we always put your best interest before anything else and that\n\nChannel 1: Correct.\n\nChannel 0: the advice itself has to put you in a better position as a result of the advice. Otherwise, we can't actually make the recommendation. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense, Troy?\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Totally. Yes.\n\nChannel 0: So pretty straightforward today. Like I said, it was just a research of just the investments to see if we could improve that situation a little bit for you. Not making any changes to insurances or anything else. So I did a lot of reset on your hub 24 as well just to make sure that's still the best option for you. Because there's always new products and features that's coming out, so it is good to kind of, you know, just reassess that for you.\n\nChannel 1: Yep. Yes.\n\nChannel 0: And at the moment, it's still very much a competitive option. So I have recommended we stay in Hub twenty four for you.\n\nChannel 1: Yep.\n\nChannel 0: They are very competitive when it comes to prices and features investment choices. I use Hub twenty four for my personal super as well. And, yeah, if I didn't think it was great, I wouldn't tell you to to use it, and I wouldn't use it myself either.\n\nChannel 1: Yeah. Exactly. Yep.\n\nChannel 0: Yeah. Perfect. Now I have made some changes in regards to their recommendations, though, and when it comes to your investments. So\n\nChannel 1: Yep.\n\nChannel 0: when you have a moment, that is outlined later on page 13. But you will see a table where it says investment changes. Now I have swapped out the Benelon concentrated equity that was underperforming a little bit, but then we also wanted to look at slightly reducing that risk exposure for USL from high growth down to growth for you. Do you remember\n\nChannel 1: Yep.\n\nChannel 0: that? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So, yeah, when you have a moment, page 13 outlines the changes. So you will see on one side all the investments, and then you'll have one column where it says buy and sell. So everything highlighted in red is what we are selling for you.\n\nChannel 1: Yes.\n\nChannel 0: Black is what's either remaining in the portfolio or new ones that we're buying. So it's a little bit of a mix. We are retaining some of your investments that's done really well. Some that we are retaining is your iShares S and P five hundred. Also retaining iShares Europe for you.\n\nAlso retaining cybersecurity, gold, your defensive investments. That's staying, but not major changes. But we are changing some of your more satellite investments. So those are kind of a bit more targeted and specialized that was obviously added to try to outperform the market and different niches which change with time. So\n\nChannel 1: Yes.\n\nChannel 0: we have switched out the China investment for you. Also, iShares Asia, which you will see when you have a look at it. There\n\nChannel 1: Mhmm.\n\nChannel 0: is one that's called your Morningstar Global Tech. And then also the Global X battery we've swapped out along with Benelong. And what we\n\nChannel 1: Right.\n\nChannel 0: have then introduced instead for you is we very much still rely you know, the investment philosophy stays the same. No major changes when it comes to that. Just trying to position you moving forward in a little bit better position, but also reducing that risk for you\n\nChannel 1: Yep. Yes. Cool.\n\nChannel 0: and trying to keep the costs down. So we've introduced an investments in Japan for you. We've also introduced 8% in Vanguard all world. You may have heard of Vanguard before. They're quite\n\nChannel 1: Yes.\n\nChannel 0: big.\n\nChannel 1: Stay message.\n\nChannel 0: Yes. So that one here is a good investment because it invests around the globe, but it actually excludes The US because you already have exposures through The US in the iShares S and P 500. And we don't want too much exposure in one market either, so we wanna make\n\nChannel 1: Yes.\n\nChannel 0: sure that we diversify things for you. Like I said, we are keeping your gold, keeping a fixed interest for that defensive component. So not massive changes altogether. And if it is that you want to read up on these investments yourself a little bit as well, in the appendix, which is the attachment I have sent through to the email, there are investment links.\n\nChannel 1: Yes.\n\nChannel 0: So if it is that you wanna go and have a bit of a read over it in your own time, that's all there for you as well.\n\nChannel 1: Cool. Yep. No\n\nChannel 0: But,\n\nChannel 1: worries.\n\nChannel 0: basically, from an overview point of view, how that changes things for you is that it is actually reducing the cost on a yearly basis by about $607, which is pretty good just by swapping some of those investments around for you.\n\nChannel 1: Yes. Absolutely.\n\nChannel 0: Yeah. Now for your reference, when you have a look through the SOA, that's page 16. So you will have a table where it says fee comparison table, which kind of outlines your current situation, the current performance, and then the recommended as well. So that kind of outlines the fee changes 107. Now the good thing is, well, with with changing investments, if you are selling investments, sometimes you do have to pay a capital gains tax with doing\n\nChannel 1: Yep.\n\nChannel 0: so.\n\nChannel 1: Yep.\n\nChannel 0: But how we have swapped the investments for you, when we did the calculations, there was no estimated tax to be paid for you, which is great. So we're trying\n\nChannel 1: Perfect.\n\nChannel 0: to minimize that. So so that's really good. And when we are looking at a five year rolling recommended portfolio has outperformed your current one by about 6.13%, which is pretty good.\n\nChannel 1: Awesome. Yeah.\n\nChannel 0: Yeah. And\n\nChannel 1: Cool.\n\nChannel 0: that is also factoring in that we are reducing that risk for you. And, typically, when we are reducing from, like, your high growth to growth, we can see that long term, the returns might not be as great because you are seeing less fluctuations and more investment in those defenses. But in\n\nChannel 1: Mhmm.\n\nChannel 0: this instance, it's not, which which is really good because you're taking on less risk, less fluctuations, and the\n\nChannel 1: Yep.\n\nChannel 0: returns have improved a little bit for you. And on page 17, I've then kind of outlined a bit more of that return for you. So I've done a twelve month comparison, a three year, and a five year time period so that you can\n\nChannel 1: Nice.\n\nChannel 0: see that.\n\nChannel 1: Yep. About that now.\n\nChannel 0: And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, and all three has outperformed, again, your current situation,\n\nChannel 1: Cool. That's\n\nChannel 0: which\n\nChannel 1: what we\n\nChannel 0: is\n\nChannel 1: want.\n\nChannel 0: which is really good.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly. Now the the last thing is that on page 20, it talks about a remuneration. So if it is that you are happy to go ahead with making those couple of investment changes there, Troy, there\n\nChannel 1: Yep.\n\nChannel 0: is no additional fees and charges whatsoever in regards to that. That is all part of the ongoing advice fee, which stays again exactly the same at 1.65, but no changes whatsoever. And I have also included, just for compliance purposes, if you do have a look at it, your insurances.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Yes.\n\nChannel 0: we do get commissions from the insurer. It is exactly the same. It's 22% ongoing for every single insurance out there. So\n\nChannel 1: Yep.\n\nChannel 0: it doesn't sway us in any way to recommend one provider over the other. But that is paying us. It is not you paying us. But for compliances,\n\nChannel 1: Yep.\n\nChannel 0: every commissions or anything we do receive, we have to fully disclose it so that you are fully aware. Does\n\nChannel 1: Yes.\n\nChannel 0: that make sense?\n\nChannel 1: That does. Yes. Thank you.\n\nChannel 0: Yeah. Perfect. Now that was basically the gist of it. So very straightforward today. Just trying to make a couple of changes to your investment and reducing that risk for you while still keeping you in Hub 24.\n\nChannel 1: Yep.\n\nChannel 0: Now,\n\nChannel 1: Cool.\n\nChannel 0: Troy, do you have any questions in regards to any of that, or what are your thoughts on it?\n\nChannel 1: No. You've got it pretty well sorted there. Yeah.\n\nChannel 0: Perfect. So, essentially, from here, like I said, have a look through the document when you have a moment. Any questions, let me know. We can always book in another catch up. If not, if you you're happy with the recommendation, moving forward would just be to sign those documents.\n\nI will then get a copy sent through to me, and I will let the team know to go ahead and make those couple of investment switches for you.\n\nChannel 1: Yep. Cool. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. On the bottom, there's a signature at the bottom.\n\nChannel 0: Yep.\n\nChannel 1: Please sign blur on that and the date. Is there, like, a submit order here? No. We'll just hit next on the left hand tab.\n\nChannel 0: Yep. And I should just read that one document.\n\nChannel 1: Text. What's that text field? I've been very\n\nChannel 0: You can\n\nChannel 1: varying\n\nChannel 0: sometimes\n\nChannel 1: any recommended.\n\nChannel 0: it it asks you to type something. So that is if you would like to go ahead and make a change to any of it, you can type it here. If not, you can just do n a or full stop, and then it should let you move forward. Yeah.\n\nChannel 1: Now let's move forward here. I'm good. Look at you guys.\n\nChannel 0: Yeah. I've done this a few times. You know?\n\nChannel 1: Once or twice, I reckon you might have.\n\nChannel 0: Oh,\n\nChannel 1: Yes.\n\nChannel 0: yeah. And usually people get stuck in that section. It's like, I can't. I was\n\nChannel 1: Yeah. Keep going back to it. Yep. There's a little purple bar at\n\nChannel 0: like,\n\nChannel 1: the bottom.\n\nChannel 0: yep.\n\nChannel 1: Validate\n\nChannel 0: No.\n\nChannel 1: and send.\n\nChannel 0: Just\n\nChannel 1: That's loading\n\nChannel 0: do\n\nChannel 1: up. So that's\n\nChannel 0: it\n\nChannel 1: on its way\n\nChannel 0: then.\n\nChannel 1: back to you now.\n\nChannel 0: Yep. Beautiful. I will keep a lookout of that document.\n\nChannel 1: Cool.\n\nChannel 0: And, yeah, as soon as it comes through, I will let the team know, and we'll go ahead and make this investment switch for you.\n\nChannel 1: Excellent. Thank you very much.\n\nChannel 0: No problem, Ronald. I hope you enjoy the rest of your afternoon. And if there's anything else that you need in the meantime, don't hesitate to give a call.\n\nChannel 1: Thank you very much, Veronica.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: Awesome. Thank you. See you.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.04414438456296921},{"text":"This is Troy.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.048217923690875374}],"sentiment":"neutral","sentiment_score":0.04719953890889883,"channel":1,"num_words":4,"start":1.04,"end":2.26},{"sentences":[{"text":"Good morning, Troy.","start":2.8799999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.29078222314516705},{"text":"This is Franca from OQ Financial.","start":3.6799998,"end":5.54,"sentiment":"neutral","sentiment_score":0.23771156122287115},{"text":"How are you?","start":5.6,"end":6.42,"sentiment":"neutral","sentiment_score":0.18364537755648294}],"sentiment":"neutral","sentiment_score":0.23746268078684807,"channel":0,"num_words":12,"start":2.8799999,"end":6.42},{"sentences":[{"text":"Good.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.4710818231105805},{"text":"Thank you.","start":6.7999997,"end":7.12,"sentiment":"positive","sentiment_score":0.5051310509443283},{"text":"And yourself?","start":7.12,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.23571235686540604}],"sentiment":"positive","sentiment_score":0.3905537277460098,"channel":1,"num_words":5,"start":6.48,"end":7.8599997},{"sentences":[{"text":"Yeah.","start":8.24,"end":8.48,"sentiment":"positive","sentiment_score":0.34094056487083435},{"text":"I'm good.","start":8.48,"end":9.12,"sentiment":"positive","sentiment_score":0.5457012057304382},{"text":"Thanks.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.6833347082138062}],"sentiment":"positive","sentiment_score":0.5289194211363792,"channel":0,"num_words":4,"start":8.24,"end":9.62},{"sentences":[{"text":"Cool.","start":10.16,"end":10.66,"sentiment":"positive","sentiment_score":0.5580512285232544}],"sentiment":"positive","sentiment_score":0.5580512285232544,"channel":1,"num_words":1,"start":10.16,"end":10.66},{"sentences":[{"text":"I had you booked in this morning just to kind of go through the the research after I did that on your investments after we spoke last time.","start":10.96,"end":18.355,"sentiment":"neutral","sentiment_score":0.2149711690310921}],"sentiment":"neutral","sentiment_score":0.2149711690310921,"channel":0,"num_words":28,"start":10.96,"end":18.355},{"sentences":[{"text":"Yes.","start":18.445,"end":18.765,"sentiment":"neutral","sentiment_score":0.14647266268730164},{"text":"Yep.","start":18.765,"end":19.265,"sentiment":"neutral","sentiment_score":0.1704731434583664}],"sentiment":"neutral","sentiment_score":0.15847290307283401,"channel":1,"num_words":2,"start":18.445,"end":19.265},{"sentences":[{"text":"Is now still a good time?","start":18.814999,"end":20.195,"sentiment":"neutral","sentiment_score":0.2048318013548851}],"sentiment":"neutral","sentiment_score":0.2048318013548851,"channel":0,"num_words":6,"start":18.814999,"end":20.195},{"sentences":[{"text":"We should be alright.","start":21.244999,"end":22.845,"sentiment":"neutral","sentiment_score":0.25004424527287483},{"text":"If actually, if you could give me about half a minute here to Good day.","start":22.845,"end":27.51,"sentiment":"neutral","sentiment_score":0.16995355586210886}],"sentiment":"neutral","sentiment_score":0.18681475363279643,"channel":1,"num_words":19,"start":21.244999,"end":27.51},{"sentences":[{"text":"Sure.","start":27.454998,"end":27.954998,"sentiment":"neutral","sentiment_score":0.13626407086849213}],"sentiment":"neutral","sentiment_score":0.13626407086849213,"channel":0,"num_words":1,"start":27.454998,"end":27.954998},{"sentences":[{"text":"How are you going?","start":27.51,"end":28.15,"sentiment":"neutral","sentiment_score":0.13904935494065285},{"text":"Just to serve someone.","start":28.23,"end":29.29,"sentiment":"neutral","sentiment_score":0.07475808635354042}],"sentiment":"neutral","sentiment_score":0.10690372064709663,"channel":1,"num_words":8,"start":27.51,"end":29.29},{"sentences":[{"text":"No.","start":29.615,"end":29.855,"sentiment":"neutral","sentiment_score":0.016832055523991585},{"text":"All good.","start":29.855,"end":30.175,"sentiment":"neutral","sentiment_score":0.09071418642997742},{"text":"Take Take","start":30.175,"end":30.52,"sentiment":"neutral","sentiment_score":0.019640084356069565}],"sentiment":"neutral","sentiment_score":0.04750811941921711,"channel":0,"num_words":5,"start":29.615,"end":30.52},{"sentences":[{"text":"Alright.","start":30.470001,"end":30.95,"sentiment":"neutral","sentiment_score":0.10276193916797638}],"sentiment":"neutral","sentiment_score":0.10276193916797638,"channel":1,"num_words":1,"start":30.470001,"end":30.95},{"sentences":[{"text":"your time.","start":30.52,"end":31.18,"sentiment":"neutral","sentiment_score":0.07547906413674355}],"sentiment":"neutral","sentiment_score":0.07547906413674355,"channel":0,"num_words":2,"start":30.52,"end":31.18},{"sentences":[{"text":"Hang on.","start":30.95,"end":31.27,"sentiment":"neutral","sentiment_score":0.042592743411660194},{"text":"I'll just put the phone down for about thirty seconds.","start":31.27,"end":32.87,"sentiment":"neutral","sentiment_score":0.059813813865184785},{"text":"Thank you.","start":32.87,"end":33.53,"sentiment":"neutral","sentiment_score":0.29591624438762665}],"sentiment":"neutral","sentiment_score":0.09108257958931583,"channel":1,"num_words":14,"start":30.95,"end":33.53},{"sentences":[{"text":"Sure.","start":33.48,"end":33.98,"sentiment":"neutral","sentiment_score":0.27344605326652527}],"sentiment":"neutral","sentiment_score":0.27344605326652527,"channel":0,"num_words":1,"start":33.48,"end":33.98},{"sentences":[{"text":"Thank you very much.","start":63.625,"end":64.585,"sentiment":"positive","sentiment_score":0.4974364638328552},{"text":"Okay.","start":64.585,"end":64.905,"sentiment":"neutral","sentiment_score":0.21994999051094055},{"text":"See you.","start":64.905,"end":65.565,"sentiment":"neutral","sentiment_score":0.2218145951628685},{"text":"Okay.","start":65.785,"end":66.185,"sentiment":"neutral","sentiment_score":0.1698320060968399},{"text":"Back with you.","start":66.185,"end":66.665,"sentiment":"neutral","sentiment_score":0.20084206759929657}],"sentiment":"neutral","sentiment_score":0.3114257495511662,"channel":1,"num_words":11,"start":63.625,"end":66.665},{"sentences":[{"text":"There should be a lot of stuff out there as well.","start":66.665,"end":68.905,"sentiment":"neutral","sentiment_score":0.26917812770063226},{"text":"They just tied up, but all good.","start":68.905,"end":70.604996,"sentiment":"neutral","sentiment_score":0.33049629841532024}],"sentiment":"neutral","sentiment_score":0.29302408297856647,"channel":1,"num_words":18,"start":66.665,"end":70.604996},{"sentences":[{"text":"All good.","start":71.09,"end":71.65,"sentiment":"positive","sentiment_score":0.44501055777072906},{"text":"It shouldn't take too long today, honestly.","start":71.65,"end":73.725,"sentiment":"neutral","sentiment_score":0.19667703551905497}],"sentiment":"neutral","sentiment_score":0.25186226268609363,"channel":0,"num_words":9,"start":71.09,"end":73.725},{"sentences":[{"text":"Yep.","start":74.345,"end":74.845,"sentiment":"neutral","sentiment_score":0.0985911339521408}],"sentiment":"neutral","sentiment_score":0.0985911339521408,"channel":1,"num_words":1,"start":74.345,"end":74.845},{"sentences":[{"text":"So I'll try and make it as quick as I can, but if you do have to quickly duck off, just let me know.","start":74.585,"end":79.405,"sentiment":"neutral","sentiment_score":0.11490507004782557}],"sentiment":"neutral","sentiment_score":0.11490507004782557,"channel":0,"num_words":24,"start":74.585,"end":79.405},{"sentences":[{"text":"Thank you.","start":79.47,"end":80.21001,"sentiment":"neutral","sentiment_score":0.3095747232437134}],"sentiment":"neutral","sentiment_score":0.3095747232437134,"channel":1,"num_words":2,"start":79.47,"end":80.21001},{"sentences":[{"text":"Now just before I do get started, just for security purposes, just have to let you know as well that the call is being recorded for quality and coaching purposes, if that's okay.","start":81.545,"end":91.23,"sentiment":"neutral","sentiment_score":0.031556542737014366}],"sentiment":"neutral","sentiment_score":0.031556542737014366,"channel":0,"num_words":33,"start":81.545,"end":91.23},{"sentences":[{"text":"Yep.","start":91.555,"end":91.954994,"sentiment":"neutral","sentiment_score":0.07760821282863617},{"text":"Not a problem.","start":91.954994,"end":92.695,"sentiment":"neutral","sentiment_score":0.18995833893616995}],"sentiment":"neutral","sentiment_score":0.1618708074092865,"channel":1,"num_words":4,"start":91.555,"end":92.695},{"sentences":[{"text":"Perfect.","start":92.73,"end":93.21,"sentiment":"neutral","sentiment_score":0.319446861743927},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":93.21,"end":99.255,"sentiment":"neutral","sentiment_score":0.08577696684127052}],"sentiment":"neutral","sentiment_score":0.09512376263737679,"channel":0,"num_words":25,"start":92.73,"end":99.255},{"sentences":[{"text":"Troy Randall Branson.","start":100.034996,"end":101.155,"sentiment":"neutral","sentiment_score":0.015490497462451458},{"text":"'5","start":101.155,"end":105.235,"sentiment":"neutral","sentiment_score":0.01127206813544035}],"sentiment":"neutral","sentiment_score":0.014435890130698681,"channel":1,"num_words":4,"start":100.034996,"end":105.235},{"sentences":[{"text":"Please?","start":105.174995,"end":105.674995,"sentiment":"neutral","sentiment_score":0.016517627984285355}],"sentiment":"neutral","sentiment_score":0.016517627984285355,"channel":0,"num_words":1,"start":105.174995,"end":105.674995},{"sentences":[{"text":"631.","start":105.235,"end":106.11,"sentiment":"neutral","sentiment_score":0.020432326942682263}],"sentiment":"neutral","sentiment_score":0.020432326942682263,"channel":1,"num_words":1,"start":105.235,"end":106.11},{"sentences":[{"text":"Yes.","start":106.454994,"end":106.954994,"sentiment":"neutral","sentiment_score":0.09236863255500792},{"text":"Perfect.","start":107.015,"end":107.515,"sentiment":"neutral","sentiment_score":0.1972396969795227},{"text":"Now I know you're a little bit busy at the moment.","start":108.295,"end":110.375,"sentiment":"neutral","sentiment_score":-0.013851987578990784},{"text":"So what I have done is I have sent you an email, though, with the the recommendation.","start":110.375,"end":114.520004,"sentiment":"neutral","sentiment_score":0.08987084184499348}],"sentiment":"neutral","sentiment_score":0.055501359251017374,"channel":0,"num_words":30,"start":106.454994,"end":114.520004},{"sentences":[{"text":"Yep.","start":115.47,"end":115.97,"sentiment":"neutral","sentiment_score":0.126996248960495}],"sentiment":"neutral","sentiment_score":0.126996248960495,"channel":1,"num_words":1,"start":115.47,"end":115.97},{"sentences":[{"text":"And when you have a bit more time, have a look through it.","start":116.020004,"end":119.46001,"sentiment":"neutral","sentiment_score":0.14043162075372842},{"text":"If you have any questions, let me know.","start":119.46001,"end":121.72,"sentiment":"neutral","sentiment_score":0.12570500560104847},{"text":"Otherwise, if you're happy for me to just kind of quickly run the changes with you now.","start":122.18,"end":127.655,"sentiment":"neutral","sentiment_score":0.22920470991555383},{"text":"Is that okay?","start":127.795,"end":128.615,"sentiment":"neutral","sentiment_score":0.1326035956541697}],"sentiment":"neutral","sentiment_score":0.1737937065886288,"channel":0,"num_words":41,"start":116.020004,"end":128.615},{"sentences":[{"text":"Yes.","start":128.185,"end":128.685,"sentiment":"neutral","sentiment_score":0.10943625122308732},{"text":"Yeah.","start":128.745,"end":128.985,"sentiment":"neutral","sentiment_score":0.1405215561389923}],"sentiment":"neutral","sentiment_score":0.12497890368103981,"channel":1,"num_words":2,"start":128.185,"end":128.985},{"sentences":[{"text":"Yep.","start":128.915,"end":129.315,"sentiment":"neutral","sentiment_score":0.20291602611541748}],"sentiment":"neutral","sentiment_score":0.20291602611541748,"channel":0,"num_words":1,"start":128.915,"end":129.315},{"sentences":[{"text":"That's 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know.","start":158.19499,"end":160.855,"sentiment":"neutral","sentiment_score":0.2041519069009357}],"sentiment":"neutral","sentiment_score":0.2041519069009357,"channel":0,"num_words":9,"start":158.19499,"end":160.855},{"sentences":[{"text":"Yep.","start":161.28,"end":161.78,"sentiment":"neutral","sentiment_score":0.2042841911315918}],"sentiment":"neutral","sentiment_score":0.2042841911315918,"channel":1,"num_words":1,"start":161.28,"end":161.78},{"sentences":[{"text":"Otherwise, every time we do make a recommendation, we do have to follow that best interest duty.","start":162.035,"end":167.03,"sentiment":"neutral","sentiment_score":0.1094214429750162},{"text":"So making sure that we always put your best interest before anything else and 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Troy?","start":179.56999,"end":180.31,"sentiment":"neutral","sentiment_score":0.0581541433930397}],"sentiment":"neutral","sentiment_score":0.0581541433930397,"channel":0,"num_words":2,"start":179.56999,"end":180.31},{"sentences":[{"text":"Yep.","start":180.545,"end":180.86499,"sentiment":"neutral","sentiment_score":0.16103656589984894}],"sentiment":"neutral","sentiment_score":0.16103656589984894,"channel":1,"num_words":1,"start":180.545,"end":180.86499},{"sentences":[{"text":"Perfect.","start":180.77,"end":181.27,"sentiment":"positive","sentiment_score":0.6110451817512512}],"sentiment":"positive","sentiment_score":0.6110451817512512,"channel":0,"num_words":1,"start":180.77,"end":181.27},{"sentences":[{"text":"Totally.","start":180.86499,"end":181.345,"sentiment":"positive","sentiment_score":0.5738554000854492},{"text":"Yes.","start":181.345,"end":181.845,"sentiment":"positive","sentiment_score":0.4389878511428833}],"sentiment":"positive","sentiment_score":0.5064216256141663,"channel":1,"num_words":2,"start":180.86499,"end":181.845},{"sentences":[{"text":"So pretty straightforward today.","start":182.635,"end":184.33499,"sentiment":"positive","sentiment_score":0.5533459633588791},{"text":"Like I said, it was just a research of just the investments to see if we could improve that situation a little bit for you.","start":185.275,"end":191.935,"sentiment":"neutral","sentiment_score":0.25587070494890213},{"text":"Not making any changes to insurances or anything else.","start":192.235,"end":196.33,"sentiment":"neutral","sentiment_score":-0.1386734503838751},{"text":"So I did a lot of reset on your hub 24 as well just to make sure that's still the best option for you.","start":196.33,"end":203.15,"sentiment":"neutral","sentiment_score":0.10762311921765406},{"text":"Because there's always new products and features that's coming out, so it is good to kind of, you know, just reassess that for 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that's","start":722.02997,"end":722.43,"sentiment":"neutral","sentiment_score":0.1431531086564064}],"sentiment":"neutral","sentiment_score":0.11882608632246654,"channel":1,"num_words":3,"start":721.79,"end":722.43},{"sentences":[{"text":"it","start":722.34,"end":722.84,"sentiment":"neutral","sentiment_score":0.18776962161064148}],"sentiment":"neutral","sentiment_score":0.18776962161064148,"channel":0,"num_words":1,"start":722.34,"end":722.84},{"sentences":[{"text":"on its way","start":722.43,"end":723.07,"sentiment":"neutral","sentiment_score":0.18171619872252145}],"sentiment":"neutral","sentiment_score":0.18171619872252145,"channel":1,"num_words":3,"start":722.43,"end":723.07},{"sentences":[{"text":"then.","start":723.01,"end":723.51,"sentiment":"neutral","sentiment_score":0.09482619166374208}],"sentiment":"neutral","sentiment_score":0.09482619166374208,"channel":0,"num_words":1,"start":723.01,"end":723.51},{"sentences":[{"text":"back to you now.","start":723.07,"end":723.97,"sentiment":"neutral","sentiment_score":0.07860012166202068}],"sentiment":"neutral","sentiment_score":0.07860012166202068,"channel":1,"num_words":4,"start":723.07,"end":723.97},{"sentences":[{"text":"Yep.","start":723.68005,"end":724.18005,"sentiment":"neutral","sentiment_score":0.23753952980041504},{"text":"Beautiful.","start":724.35004,"end":724.85004,"sentiment":"positive","sentiment_score":0.5582481622695923},{"text":"I will keep a lookout of that document.","start":724.91003,"end":727.185,"sentiment":"positive","sentiment_score":0.4849279597401619}],"sentiment":"positive","sentiment_score":0.4675211369991302,"channel":0,"num_words":10,"start":723.68005,"end":727.185},{"sentences":[{"text":"Cool.","start":728.02997,"end":728.52997,"sentiment":"positive","sentiment_score":0.4810014963150024}],"sentiment":"positive","sentiment_score":0.4810014963150024,"channel":1,"num_words":1,"start":728.02997,"end":728.52997},{"sentences":[{"text":"And, yeah, as soon as it comes through, I will let the team know, and we'll go ahead and make this investment switch for you.","start":728.20496,"end":733.26495,"sentiment":"positive","sentiment_score":0.4590931284427643}],"sentiment":"positive","sentiment_score":0.4590931284427643,"channel":0,"num_words":25,"start":728.20496,"end":733.26495},{"sentences":[{"text":"Excellent.","start":733.485,"end":733.985,"sentiment":"positive","sentiment_score":0.4093829095363617},{"text":"Thank you very much.","start":734.205,"end":735.265,"sentiment":"positive","sentiment_score":0.8521804064512253}],"sentiment":"positive","sentiment_score":0.7636209070682526,"channel":1,"num_words":5,"start":733.485,"end":735.265},{"sentences":[{"text":"No problem, Ronald.","start":735.40497,"end":736.125,"sentiment":"positive","sentiment_score":0.6878674228986105},{"text":"I hope you enjoy the rest of your afternoon.","start":736.125,"end":738.285,"sentiment":"positive","sentiment_score":0.8159129089779324},{"text":"And if there's anything else that you need in the meantime, don't hesitate to give a call.","start":738.285,"end":743.34265,"sentiment":"neutral","sentiment_score":0.29745986794724183}],"sentiment":"positive","sentiment_score":0.4987460760207012,"channel":0,"num_words":29,"start":735.40497,"end":743.34265},{"sentences":[{"text":"Thank you very much, Veronica.","start":742.91895,"end":744.21893,"sentiment":"positive","sentiment_score":0.7208893179893494}],"sentiment":"positive","sentiment_score":0.7208893179893494,"channel":1,"num_words":5,"start":742.91895,"end":744.21893},{"sentences":[{"text":"No problem.","start":744.78,"end":745.26,"sentiment":"positive","sentiment_score":0.4073317050933838},{"text":"We'll speak soon.","start":745.26,"end":746.24005,"sentiment":"positive","sentiment_score":0.4206210672855377}],"sentiment":"positive","sentiment_score":0.4153053224086761,"channel":0,"num_words":5,"start":744.78,"end":746.24005},{"sentences":[{"text":"Awesome.","start":746.43896,"end":746.91895,"sentiment":"positive","sentiment_score":0.8163943290710449},{"text":"Thank you.","start":746.91895,"end":747.399,"sentiment":"positive","sentiment_score":0.7816334068775177},{"text":"See you.","start":747.399,"end":748.05896,"sentiment":"positive","sentiment_score":0.6770545244216919}],"sentiment":"positive","sentiment_score":0.7467540383338929,"channel":1,"num_words":5,"start":746.43896,"end":748.05896},{"sentences":[{"text":"Okay.","start":747.66003,"end":748.16003,"sentiment":"neutral","sentiment_score":0.3236008286476135},{"text":"Bye.","start":748.30005,"end":748.80005,"sentiment":"neutral","sentiment_score":-0.11514832079410552}],"sentiment":"neutral","sentiment_score":0.104226253926754,"channel":0,"num_words":2,"start":747.66003,"end":748.80005}]},"summary":{"result":"success","short":"Representatives from OQ Financial and an investment company discuss investment recommendations with Troy, emphasizing personalized financial advice and compliance purposes based on changes to the customer's investments. The company is reducing risk for the customer by swapping some investments and reducing risk for them, and is also reducing risk for them by swapping some investments and reducing risk for them. The agent explains that they are reducing the cost of the customer's investment by about $ security and reducing risk for them, and is sending a document to update the customer on the change. The customer is instructed to sign and send the document."},"intents":{"segments":[{"text":"Now just before I do get started, just for security purposes, just have to let you know as well that the call is being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":178,"end_word":211,"intents":[{"intent":"Confirm call rescheduling","confidence_score":0.000019047504}]},{"text":"Now I have made some changes in regards to their recommendations, though, and when it comes to your investments.","start_word":652,"end_word":670,"intents":[{"intent":"Recommend investments","confidence_score":0.09625381}]},{"text":"Now I have swapped out the Benelon concentrated equity that was underperforming a little bit, but then we also wanted to look at slightly reducing that risk exposure for USL from high growth down to growth for you. Do you remember Yep.","start_word":697,"end_word":738,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.041735634}]},{"text":"So that one here is a good investment because it invests around the globe, but it actually excludes The US because you already have exposures through The US in the iShares S and P 500.","start_word":1034,"end_word":1068,"intents":[{"intent":"Evaluate investments","confidence_score":0.0009988804}]},{"text":"this instance, it's not, which which is really good because you're taking on less risk, less fluctuations, and the Yep. returns have improved a little bit for you.","start_word":1432,"end_word":1459,"intents":[{"intent":"Evaluate benefits","confidence_score":0.00032240106}]},{"text":"So, essentially, from here, like I said, have a look through the document when you have a moment. Any questions, let me know.","start_word":1771,"end_word":1793,"intents":[{"intent":"Request review of document","confidence_score":0.08847453}]},{"text":"We can always book in another catch up. If not, if you you're happy with the recommendation, moving forward would just be to sign those documents.","start_word":1794,"end_word":1819,"intents":[{"intent":"Recommend signing documents","confidence_score":0.014303358}]},{"text":"We can always book in another catch up. If not, if you you're happy with the recommendation, moving forward would just be to sign those documents. I will then get a copy sent through to me, and I will let the team know to go ahead and make those couple of investment switches for you. Yep. Cool.","start_word":1794,"end_word":1850,"intents":[{"intent":"Inform team of recommendation","confidence_score":0.00021552587}]}]},"sentiments":{"segments":[{"text":"Hello. This is Troy. Good morning, Troy. This is Franca from OQ Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.19092707335948944},{"text":"Good. Thank you.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.4770370423793793},{"text":"And yourself?","start_word":19,"end_word":20,"sentiment":"neutral","sentiment_score":0.2453380823135376},{"text":"Yeah. I'm good. Thanks. Cool.","start_word":21,"end_word":25,"sentiment":"positive","sentiment_score":0.5317824482917786},{"text":"I had you booked in this morning just to kind of go through the the research after I did that on your investments after we spoke last time. Yes. Yep. Is now still a good time? We should be alright. If actually, if you could give me about half a minute here to Good day. Sure. How are you going? Just to serve someone. No. All good. Take Take Alright. your time. Hang on. I'll just put the phone down for about thirty seconds. Thank you. Sure.","start_word":26,"end_word":112,"sentiment":"neutral","sentiment_score":0.15920338034629822},{"text":"Thank you very much.","start_word":113,"end_word":116,"sentiment":"positive","sentiment_score":0.4933389723300934},{"text":"Okay. See you. Okay. Back with you. There should be a lot of stuff out there as well.","start_word":117,"end_word":134,"sentiment":"neutral","sentiment_score":0.2401432693004608},{"text":"They just tied up, but all good. All good.","start_word":135,"end_word":143,"sentiment":"positive","sentiment_score":0.36565566062927246},{"text":"It shouldn't take too long today, honestly. Yep. So I'll try and make it as quick as I can, but if you do have to quickly duck off, just let me know. Thank you. Now just before I do get started, just for security purposes, just have to let you know as well that the call is being recorded for quality and coaching purposes, if that's okay. Yep. Not a problem. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Troy Randall Branson. '5 Please? 631. Yes. Perfect. Now I know you're a little bit busy at the moment. So what I have done is I have sent you an email, though, with the the recommendation. Yep. And when you have a bit more time, have a look through it. If you have any questions, let me know. Otherwise, if you're happy for me to just kind of quickly run the changes with you now. Is that okay? Yes. Yeah. Yep.","start_word":144,"end_word":320,"sentiment":"neutral","sentiment_score":0.10438798367977142},{"text":"That's good. Perfect.","start_word":321,"end_word":323,"sentiment":"positive","sentiment_score":0.4863336384296417},{"text":"Yep.","start_word":324,"end_word":324,"sentiment":"neutral","sentiment_score":0.30368471145629883},{"text":"Now it is pretty straightforward.","start_word":325,"end_word":329,"sentiment":"positive","sentiment_score":0.3591054677963257},{"text":"Today, a lot of it is just for compliance purposes just to make sure you fully understand everything. Now every time we do make a recommendation on any financial products and do personalized financial advice, we have to put everything in the statement of advice, mainly just some that compliance purpose for you. It is valid for sixty days as well.","start_word":330,"end_word":390,"sentiment":"neutral","sentiment_score":0.175284813417763},{"text":"So if you do wanna take some time to have a read over it, you're more than welcome to.","start_word":391,"end_word":409,"sentiment":"positive","sentiment_score":0.43122661113739014},{"text":"If you have any questions, again, let me know. Yep. Otherwise, every time we do make a recommendation, we do have to follow that best interest duty. So making sure that we always put your best interest before anything else and that Correct. 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 Yep. sense, Troy? Yep.","start_word":410,"end_word":483,"sentiment":"neutral","sentiment_score":0.0774897038936615},{"text":"Perfect. Totally. Yes. So pretty straightforward today.","start_word":484,"end_word":490,"sentiment":"positive","sentiment_score":0.5479738712310791},{"text":"Like I said, it was just a research of just the investments to see if we could improve that situation a little bit for you. Not making any changes to insurances or anything else. So I did a lot of reset on your hub 24 as well just to make sure that's still the best option for you. Because there's always new products and features that's coming out, so it is good to kind of, you know, just reassess that for you. Yep. Yes. And at the moment, it's still very much a competitive option. So I have recommended we stay in Hub twenty four for you. Yep.","start_word":491,"end_word":598,"sentiment":"neutral","sentiment_score":0.17027704417705536},{"text":"They are very competitive when it comes to prices and features investment choices.","start_word":599,"end_word":611,"sentiment":"positive","sentiment_score":0.3661878705024719},{"text":"I use Hub twenty four for my personal super as well. And, yeah, if I didn't think it was great, I wouldn't tell you to to use it, and I wouldn't use it myself either. Yeah. Exactly. Yep. Yeah.","start_word":612,"end_word":650,"sentiment":"neutral","sentiment_score":0.008364390581846237},{"text":"Perfect.","start_word":651,"end_word":651,"sentiment":"positive","sentiment_score":0.4327048659324646},{"text":"Now I have made some changes in regards to their recommendations, though, and when it comes to your investments. So Yep. when you have a moment, that is outlined later on page 13. But you will see a table where it says investment changes. Now I have swapped out the Benelon concentrated equity that was underperforming a little bit, but then we also wanted to look at slightly reducing that risk exposure for USL from high growth down to growth for you. Do you remember Yep. that? Yep.","start_word":652,"end_word":739,"sentiment":"neutral","sentiment_score":0.006312426179647446},{"text":"Yes. Perfect.","start_word":740,"end_word":741,"sentiment":"positive","sentiment_score":0.5615993738174438},{"text":"So, yeah, when you have a moment, page 13 outlines the changes. So you will see on one side all the investments, and then you'll have one column where it says buy and sell. So everything highlighted in red is what we are selling for you. Yes. Black is what's either remaining in the portfolio or new ones that we're buying. So it's a little bit of a mix.","start_word":742,"end_word":810,"sentiment":"neutral","sentiment_score":0.16364862024784088},{"text":"We are retaining some of your investments that's done really well.","start_word":811,"end_word":821,"sentiment":"positive","sentiment_score":0.3563471734523773},{"text":"Some that we are retaining is your iShares S and P five hundred. Also retaining iShares Europe for you. Also retaining cybersecurity, gold, your defensive investments. That's staying, but not major changes. But we are changing some of your more satellite investments. So those are kind of a bit more targeted and specialized that was obviously added to try to outperform the market and different niches which change with time. So Yes. we have switched out the China investment for you. Also, iShares Asia, which you will see when you have a look at it. There Mhmm. is one that's called your Morningstar Global Tech. And then also the Global X battery we've swapped out along with Benelong. And what we Right. have then introduced instead for you is we very much still rely you know, the investment philosophy stays the same. No major changes when it comes to that. Just trying to position you moving forward in a little bit better position, but also reducing that risk for you Yep.","start_word":822,"end_word":992,"sentiment":"neutral","sentiment_score":0.17798063158988953},{"text":"Yes. Cool. and trying to keep the costs down.","start_word":993,"end_word":1001,"sentiment":"positive","sentiment_score":0.41882866621017456},{"text":"So we've introduced an investments in Japan for you. We've also introduced 8% in Vanguard all world. You may have heard of Vanguard before. They're quite Yes. big. Stay message. Yes. So that one here is a good investment because it invests around the globe, but it actually excludes The US because you already have exposures through The US in the iShares S and P 500. And we don't want too much exposure in one market either, so we wanna make Yes. sure that we diversify things for you. Like I said, we are keeping your gold, keeping a fixed interest for that defensive component. So not massive changes altogether. And if it is that you want to read up on these investments yourself a little bit as well, in the appendix, which is the attachment I have sent through to the email, there are investment links. Yes. So if it is that you wanna go and have a bit of a read over it in your own time, that's all there for you as well.","start_word":1002,"end_word":1177,"sentiment":"neutral","sentiment_score":0.20020710990171545},{"text":"Cool.","start_word":1178,"end_word":1178,"sentiment":"positive","sentiment_score":0.4189029037952423},{"text":"Yep. No But, worries. basically, from an overview point of view, how that changes things for you is that it is actually reducing the cost on a yearly basis by about $607, which is pretty good just by swapping some of those investments around for you. Yes. Absolutely. Yeah. Now for your reference, when you have a look through the SOA, that's page 16. So you will have a table where it says fee comparison table, which kind of outlines your current situation, the current performance, and then the recommended as well. So that kind of outlines the fee changes 107. Now the good thing is, well, with with changing investments, if you are selling investments, sometimes you do have to pay a capital gains tax with doing Yep. so. Yep.","start_word":1179,"end_word":1309,"sentiment":"neutral","sentiment_score":0.20489664375782013},{"text":"But how we have swapped the investments for you, when we did the calculations, there was no estimated tax to be paid for you, which is great. So we're trying Perfect. to minimize that. So so that's really good. And when we are looking at a five year rolling recommended portfolio has outperformed your current one by about 6.13%, which is pretty good. Awesome. Yeah. Yeah. And Cool. that is also factoring in that we are reducing that risk for you.","start_word":1310,"end_word":1390,"sentiment":"positive","sentiment_score":0.5127425193786621},{"text":"And, typically, when we are reducing from, like, your high growth to growth, we can see that long term, the returns might not be as great because you are seeing less fluctuations and more investment in those defenses. But in Mhmm. this instance, it's not, which which is really good because you're taking on less risk, less fluctuations, and the Yep.","start_word":1391,"end_word":1451,"sentiment":"neutral","sentiment_score":0.08189477026462555},{"text":"returns have improved a little bit for you.","start_word":1452,"end_word":1459,"sentiment":"positive","sentiment_score":0.5787739157676697},{"text":"And on page 17, I've then kind of outlined a bit more of that return for you. So I've done a twelve month comparison, a three year, and a five year time period so that you can Nice.","start_word":1460,"end_word":1497,"sentiment":"neutral","sentiment_score":0.26049357652664185},{"text":"see that. Yep. About that now. And, Yep. yeah, and all three has outperformed, again, your current situation, Cool. That's which what we is want. which is really good.","start_word":1498,"end_word":1526,"sentiment":"positive","sentiment_score":0.5406879186630249},{"text":"Yeah. Exactly. Now the the last thing is that on page 20, it talks about a remuneration. So if it is that you are happy to go ahead with making those couple of investment changes there, Troy, there Yep. is no additional fees and charges whatsoever in regards to that. That is all part of the ongoing advice fee, which stays again exactly the same at 1.65, but no changes whatsoever. And I have also included, just for compliance purposes, if you do have a look at it, your insurances. Yep. Now Yes. we do get commissions from the insurer. It is exactly the same. It's 22% ongoing for every single insurance out there. So Yep. it doesn't sway us in any way to recommend one provider over the other. But that is paying us. It is not you paying us. But for compliances, Yep. every commissions or anything we do receive, we have to fully disclose it so that you are fully aware. Does Yes. that make sense? That does. Yes.","start_word":1527,"end_word":1698,"sentiment":"neutral","sentiment_score":0.12068601697683334},{"text":"Thank you. Yeah. Perfect. Now that was basically the gist of it. So very straightforward today. Just trying to make a couple of changes to your investment and reducing that risk for you while still keeping you in Hub 24.","start_word":1699,"end_word":1738,"sentiment":"positive","sentiment_score":0.3891516327857971},{"text":"Yep. Now, Cool. Troy, do you have any questions in regards to any of that, or what are your thoughts on it? No. You've got it pretty well sorted there.","start_word":1739,"end_word":1768,"sentiment":"neutral","sentiment_score":0.10396127104759216},{"text":"Yeah. Perfect.","start_word":1769,"end_word":1770,"sentiment":"positive","sentiment_score":0.6418442130088806},{"text":"So, essentially, from here, like I said, have a look through the document when you have a moment. Any questions, let me know. We can always book in another catch up. If not, if you you're happy with the recommendation, moving forward would just be to sign those documents. I will then get a copy sent through to me, and I will let the team know to go ahead and make those couple of investment switches for you. Yep. Cool. Yep. Yep. Yeah. On the bottom, there's a signature at the bottom. Yep. Please sign blur on that and the date. Is there, like, a submit order here? No. We'll just hit next on the left hand tab. Yep. And I should just read that one document. Text. What's that text field? I've been very You can varying sometimes any recommended. it it asks you to type something. So that is if you would like to go ahead and make a change to any of it, you can type it here. If not, you can just do n a or full stop, and then it should let you move forward. Yeah. Now let's move forward here.","start_word":1771,"end_word":1966,"sentiment":"neutral","sentiment_score":0.1199917197227478},{"text":"I'm good.","start_word":1967,"end_word":1968,"sentiment":"positive","sentiment_score":0.37401071190834045},{"text":"Look at you guys. Yeah. I've done this a few times. You know? Once or twice, I reckon you might have. Oh, Yes. yeah. And usually people get stuck in that section. It's like, I can't. I was Yeah. Keep going back to it. Yep. There's a little purple bar at like, the bottom. yep. Validate No. and send. Just That's loading do up. So that's it on its way then. back to you now. Yep.","start_word":1969,"end_word":2044,"sentiment":"neutral","sentiment_score":0.03607018291950226},{"text":"Beautiful. I will keep a lookout of that document. Cool. And, yeah, as soon as it comes through, I will let the team know, and we'll go ahead and make this investment switch for you. Excellent. Thank you very much. No problem, Ronald. I hope you enjoy the rest of your afternoon.","start_word":2045,"end_word":2096,"sentiment":"positive","sentiment_score":0.570616018313628},{"text":"And if there's anything else that you need in the meantime, don't hesitate to give a call.","start_word":2097,"end_word":2113,"sentiment":"neutral","sentiment_score":0.28658321499824524},{"text":"Thank you very much, Veronica. No problem. We'll speak soon. Awesome. Thank you. See you.","start_word":2114,"end_word":2128,"sentiment":"positive","sentiment_score":0.6154398918151855},{"text":"Okay. Bye.","start_word":2129,"end_word":2130,"sentiment":"neutral","sentiment_score":0.279083251953125}],"average":{"sentiment":"neutral","sentiment_score":0.1927734079430236}}}}