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That's okay. Do you have access to your emails at the moment? Yeah. Do you have access to them? If you don't, that's absolutely fine. This is sometimes it's easier if I send it through to you, and you can see the document while we're going through it. Yeah. You're right. Yep. Beautiful. Lovely. I'm gonna send this one through to you there. Once it comes through, if you can just open it up for me. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And I'll do security there with you as well just to confirm your full name, your date of birth, and address I should have on file just because we are discussing your personal information. Yep. Beautiful. Thank you so much for that. Now I've emailed that document through to you. Hopefully, it pops through fairly quickly there for you. Yep. Yep. That's the one. So if you just press on the button, it'll allow you to go through so you can see the document there. I'll not ask you to sign anything you haven't read. You'll get a chance to go back and have a really good read of the document as well before deciding whether you take on the advice. To make this easier for you, it is mostly about the investments which looking at, you know, how we can alter your investments, removing anything that's been underperforming there. On the first page, you'll see that it's being prepared for yourself with the date of the 04/07/2026. Our advice is valid for six days from the date on the document there. And on the bottom there, just learning that my registration number with ASDIC is 1304394. Okay? We scoped in areas of superannuation there, and to make this a bit easier for you, if I can just get you to scroll through the documents there for me just down to page number twenty one and twenty two. This is essentially showing you the major the part of the recommendations that we're making for you. Beautiful. Now with this one here, we are already making recommendation with regard to your super in hub twenty four that we do complete an investment switch there. So we've gone back and have had a really good look at the investments. As we discussed last time, Bennelong has been underperforming a bit there, so we are gonna remove that completely, doing a full sell down of your Bennelong Australian Equities investment. But we're also gonna do a bit of a rebalance and maneuver some of the other investments that probably aren't performing as well. One of the things you said that you wanted to look at was having a bit more exposure to, say, lithium, metals, and things like that. So we are keeping the ACDC, the battery, and lithium tech there, but just, you know, rebalancing down to about 5%. So it would sell some of that and reduce it down. We're also keeping the physical gold in there, but just rebalancing it back a little bit. Obviously, gold's done quite well in your portfolio, so cementing some of the gains and having them reinvested does help with the compounding effect. We're getting rid of the Ben and Long Australian Equities credit there because it has been underperforming, and we're replacing that with the a 200, which is at the very bottom of that page. So no. My apologies. It is on the next page down. The beta says a 200 investment there. Okay? So that is yeah. That is still giving you access into the top 200 companies on the ASX. With the Benelong Australian Equities investment, that was more of an actively managed component there. But, unfortunately, in recent months, they haven't been able to do their job. They've had some issues with the underlying investments there. So we're actually replacing that with more of a cheaper option. The a 200 is more of a passively managed fund. It just tracks the top 200 companies on the ASX, and it does also reduce your costs as well and investment fees. It's cheaper to have a passively managed fund than it is to have active managers in your portfolio. Okay? You'll see the bank hybrids there. We are also removing that. Now bank hybrids as an investment is about to be phased out, so we are removing that whilst we're making these changes. It's easy to do it now, so we are utilizing and offsetting any gains that have been received by any losses that have already been received. Otherwise, down the track, we're gonna have to make that call and cement the losses or gains down the track. It kinda works that easy enough to do it all at one. The cybersecurity we are keeping, it is has been a little bit of ups and downs recently, but it is still a good investment to have in there. Cybersecurity and globally is giving you diversification in your portfolio. So we're just gonna rebalance it back to about 5% for you. We are keeping the core composite bonds. We're just gonna rebalance it back. So you've got about need about 9% in there. You're in a great portfolio, so it's about eighty twenty sort of split with this one. So having some core composite bonds is expensive in nature. It's also good for income producing because they're holding two sort of funds, making sure we have income producing funds does help for income and compounding effect moving forward. And we're also removing the bank hybrids there, so replacing that with the core composite bonds. And also on the next page, you'll see the iShield yield plus iShares yield plus. That's another sort of high high income producing investment, and it's also used as a bit more of a defensive investment for you as well. So we're having those two in there to replace the bank hybrids that we're removing for you. Okay? We're keeping the S and P 500 just rebalancing it back. Obviously, with what's happening in The US and Iran and the world generally, it has taken a bit of a hit. However, The US is still an important place to be invested. Unfortunately, in Australia, we follow what happens with The US, and US equity still over the longer term provide and do provide great returns. So we are looking to keep that there. We're just gonna sort of rebalance it back for you a little bit as well. We are getting rid of the Van x property. Just removing that completely, we don't see any point in having that in that property has taken a bit of a setback. A lot of the larger areas in Australia are seeing some changes to properties, so that investment is gonna be completely removed. We are also keeping the beta shares roughly a 200 to give you exposure to small and mid cap companies on the ASX. Still a good investment. Still looking at keeping that one there. We're just gonna rebalance it back for you to make sure you're not overexposed to those sorts of areas. We've also got the India quality ETF in there. So India is another good place of kind of growth within the market moving forward. So we're gonna increase or add that into your portfolio at about 5% to buy into some of that. And then we've got some global health care as well. So, again, globally, it's global exposure is good for diversification. Health care is a very large area, has been since COVID, and we wanna add some of that into the portfolio for you as we do see a lot of growth in that area. The a 200, that's the one I explained that we are sort of replacing then along with. It's giving you exposures to the top 200 companies on the ASX. Between the a 200 and the S and P 500, the good things about being invested in those sorts of investments are they track those individual indices. So in order for companies to be in those indices and to be in these investors, they have to meet a certain criteria. The investment committees of those indices do meet on a regular basis, generally, about once every quarter, and they assess what companies are in the indices. If companies no longer are eligible to be in the top 200 on, you know, the ASX or the top 500 on in the S and P 500, they are removed out of there and replaced with other companies. And then these investors, because they are tracking those indices, follow suit. So it kinda gives you a bit of leeway knowing that you're always invested in the top 200 companies with this one or the top 500 with the S and P 500 there as well. Okay? We've also got the JPMorgan Global Research Enhanced Equity Fund. We're adding that in there for you. This is giving you access to essentially areas that JPMorgan and their research team are feeling are providing greater growth and benefit. This one here does give you some indirect exposure into areas of, say, battery and lithium, minerals and mining exposure as well. So it's kind of increasing your exposure into those areas as well as making sure we're diversifying. Didn't really wanna make sure the portfolio only had those areas because it doesn't really give you any diversification, and they can be seen as some high risk areas. They have seen some great growth recently, but there are times those areas don't see good growth or do take large steps back. And some of the companies within those areas are seen as small to mid cap and are quite risky. So we wanted to make sure whilst we're giving you that increase of exposure that you're after, but also making it diversified and making sure that we're not overexposing you to a large sum of risk. We all love when markets go up, but we all feel a little bit nervous when they go down. And because your balance is increasing, essentially smaller changes or smaller dips to your balance can make you feel quite nervous. Okay? So we're adding this one in here for you and adding it at sorry. My computer is just frozen. Oh, no. Where is it gone? My computer just lost it on me. Sorry. One second. Sorry. Paul, my computer just turned off. There we go. I lost everything. So adding in there about 10% there for you, so we'll be using some of the funds to buy into that one. And then the iShield is deal plus. So as mentioned, you're in a growth portfolio. You do need to have some defensive investments to help with long term market fluctuations and also income producing there as well. The iShield iShares yield plus is looking at, you know, fixed interest for majority of things. It's more defensive in nature and having about 9% in your portfolio will help with that. Okay? That's essentially with the the changeover. Now I know one of the things was the last recommendations we made. You didn't wanna make any move any funds from your ARC funds. However, as we kinda spoke about last time, I am making a recommendation that we do roll all but 10,000 in the hub 24, essentially making sure that money is continuously moved over and invested in the portfolio does help with the compounding effect. Investment markets can only work so hard, and regular contributions into investments does help with the long term compounding effect of your portfolio and takes advantage of market fluctuations when the markets are either performing well or not performing as well. When the market's taking a bit of a dip continuously putting money into the investments, buyers into those discounted rates, and you can see great growth when the when the funds come out and recover from those downtime. So I am making a recommendation that we do also roll some funds from the ART funds. We'll leave 10,000 in there. Your contributions still keep going in there, and every year, it's important just to keep rolling some funds between ART and Hub twenty four. The ARC fund is just sort of to keep your insurances in place. You also wanted to keep that for a bit of a diversification in your portfolio as well, which is absolutely fine, but we just wanted to make sure our recommendations are reflective of that for you. Does that all make sense so far? Yeah. All good. If you go down to page number 23 there for me, you can sort of see the difference in the fee structure. So one of the things I wanted to look at was the CDT consequences because whenever we buy and sell investments within your super fund, there are taxation consequences for your super. Essentially, the CGT on this one is about $900, so your super fund would have a CGT consequence of $900 for completing the swap, the buy, sell that we are making, but it's also putting you in a better portfolio as well. So when we looked at the previous research there and we went down and had a look, the three year rolling average on your current portfolio has showed about 9.54%. When we weigh up the rolling average of the current portfolio we're putting you in, you can see it has performed a bit better in the past. It's important to note that projections are just projections. They do depend upon market performance, and markets can change basically from day to day, from year to year. I can safely say this time last year, we never thought we'd be in the position we are this year. We probably never also thought, you know, the we were gonna be at war with Iran at this point in time as well. So every year, things can change, and past performance is just past performance. I always suggest everyone look at projections with a grain of salt, understanding that projections are just projections based on past data. Okay? The other thing we have here sorry. The other thing is the investment fees. So as I kinda mentioned sorry. With moving out of Bennelong and moving into the a 200, it is much more of a cheaper investment option, but making the switch as a whole actually reduces your investment cost. So by completing the switch and the rollover there, we can actually save you $801 for the year on investment fees. So it means that you're paying less than investment fees for the investments and saving a bit of money which stays in your portfolio and can work you know, help benefit the long term compounding effect there. Okay? Contributions do continue to go into your ART super fund there for you. We'll just make sure we do reviews with you on a regular basis. Obviously, the main sort of thing is eventually being able to consolidate everything into one place. But for now, because you wanna keep the ART fund open and the insurance is where they're located, we just wanna review both the funds, make sure they're working as hard as possible, noting that investments will go up and down. So we are gonna have times moving forward where the investments may not perform as well as they're expected and times when they might outperform where they're expected to as well. It's just the nature of investing in investment markets, unfortunately. And then insurance premiums continue to stay in the AARP fund there for you as well. They are just indicative of the unitized pricing that the fund charges for those at the moment. Okay? All good. The next page does sort of show you an updated projection based on the research that we've completed showing you that if the market performed the way they have over the past couple of years where you could end up over the next five, ten years between the two funds there. As I mentioned, this would always be looked at with a grain of salt projections, are those projections, and we never know how markets are gonna react. As I said, you know, we did not expect that we were gonna be in this position last year with where we are, and who knows where we're gonna end up next year or what's gonna happen in the next couple of months. So we're just sort of looking at the way investors have performed in the past and looking to see, you know, where they could end up in the future. Okay? I've also got in there that we are retaining the ART super fund there for you, keeping those insurances in place. As I mentioned, we just wanna keep 10,000 in place there for you. Like, your contributions going in and continuously roll money into Hub twenty four, reviewing all of this on a regular basis. So we do your annual reviews with you. I can also look to do a catch up with you in about three months if you like just to see where things are going and whether we need to make any additional changes to your portfolio. But the updated recommendations of the portfolio do increase your access into the battery and lithium tech, into the minerals exposure, and into the mining sectors there for you as well between all those investments. It's giving you both direct and indirect investments, so it's making a little bit more diversified for you as well. And, yeah, we just wanna obviously make sure we do reviews moving forward. I can review things with you in about three months. Would that be preferable, or did you want something a little bit earlier? No. What what would what would you prefer? Do you want sort of three months, or did you want something a bit earlier? Three months is okay? Yeah. That's okay. Not a problem at all. I've got in there for you the advantages, the disadvantages, and the risks involved of, obviously, the recommendations there. It's completely up to you if you take on these recommendations or not. If there's any part of the recommendations as previously that you chose not to take on board, we just get you on the very last page. You have that sort of have a line and a section where you can just leave a note, and you just need to write in there what section that you're not wanting to take on board. Okay? All good. The only last thing I just wanted to kinda point out was the balance in here is a little bit different. So I know with the hub because this document was sort of completed with the research a little while ago, We sort of spoke last time on the March 31 there. Your balance since then has increased. So the balance in the fund in Hub twenty four as per the advice document has four hundred and nine thousand one eight five. The balance as of today's date and have 24 is $415,006.03 1. So since we last called up, we have seen a little bit of a recovery in the market, then your portfolio has increased back by about 3.33%, which is good to see. But when I have a look at the VIX index moving forward, there is more volatility to come. So we'll just keep monitoring and looking at things. Let me know if you have additional questions in there at all. And we'll just need to update the ARC balance as well. We weren't able to get an updated statement. So the balance net is from the last statement we were able to receive, which is from last year. So in order to complete any rollovers, we'll just need to get an updated balance from you to make sure that we've got the right figures there. Okay? That's okay. That's alright. If it's easier, so even the screenshot, I know the team asked for statements on a regular basis. But even just a screenshot, if you're able to take a quick screenshot of the balance, that even works perfectly fine. I'm happy to work with that for you because I know ART and some of the industry funds don't provide statements as regularly as you like. It's harder to sort of obtain those. But even just a screenshot there is fine. Okay. All good. All good. I'll let you go so you can have a bit of a read through that one. Let me know if you do happen to have any questions there. We've got the updated recommendations. And, again, if there's anything that you chose not to take on board, just make a little note on the back page there for me as well. Okay? All good. No worries, Paul. Thanks so much. You have a good day. 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Paul. It's Dana from OQ Financial. How are you today? That's good. I had you booked in to go through your updated statement of advice.\n\nIs now still a good time there for you? Yeah. That's okay. Do you have access to your emails at the moment? Yeah.\n\nDo you have access to them? If you don't, that's absolutely fine. This is sometimes it's easier if I send it through to you, and you can see the document while we're going through it. Yeah. You're right.\n\nYep. Beautiful. Lovely. I'm gonna send this one through to you there. Once it comes through, if you can just open it up for me.\n\nBefore we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And I'll do security there with you as well just to confirm your full name, your date of birth, and address I should have on file just because we are discussing your personal information. Yep.\n\nBeautiful. Thank you so much for that. Now I've emailed that document through to you. Hopefully, it pops through fairly quickly there for you. Yep.\n\nYep. That's the one. So if you just press on the button, it'll allow you to go through so you can see the document there. I'll not ask you to sign anything you haven't read. You'll get a chance to go back and have a really good read of the document as well before deciding whether you take on the advice.\n\nTo make this easier for you, it is mostly about the investments which looking at, you know, how we can alter your investments, removing anything that's been underperforming there. On the first page, you'll see that it's being prepared for yourself with the date of the 04/07/2026. Our advice is valid for six days from the date on the document there. And on the bottom there, just learning that my registration number with ASDIC is 1304394. Okay?\n\nWe scoped in areas of superannuation there, and to make this a bit easier for you, if I can just get you to scroll through the documents there for me just down to page number twenty one and twenty two. This is essentially showing you the major the part of the recommendations that we're making for you. Beautiful. Now with this one here, we are already making recommendation with regard to your super in hub twenty four that we do complete an investment switch there. So we've gone back and have had a really good look at the investments.\n\nAs we discussed last time, Bennelong has been underperforming a bit there, so we are gonna remove that completely, doing a full sell down of your Bennelong Australian Equities investment. But we're also gonna do a bit of a rebalance and maneuver some of the other investments that probably aren't performing as well. One of the things you said that you wanted to look at was having a bit more exposure to, say, lithium, metals, and things like that. So we are keeping the ACDC, the battery, and lithium tech there, but just, you know, rebalancing down to about 5%. So it would sell some of that and reduce it down.\n\nWe're also keeping the physical gold in there, but just rebalancing it back a little bit. Obviously, gold's done quite well in your portfolio, so cementing some of the gains and having them reinvested does help with the compounding effect. We're getting rid of the Ben and Long Australian Equities credit there because it has been underperforming, and we're replacing that with the a 200, which is at the very bottom of that page. So no. My apologies.\n\nIt is on the next page down. The beta says a 200 investment there. Okay? So that is yeah. That is still giving you access into the top 200 companies on the ASX.\n\nWith the Benelong Australian Equities investment, that was more of an actively managed component there. But, unfortunately, in recent months, they haven't been able to do their job. They've had some issues with the underlying investments there. So we're actually replacing that with more of a cheaper option. The a 200 is more of a passively managed fund.\n\nIt just tracks the top 200 companies on the ASX, and it does also reduce your costs as well and investment fees. It's cheaper to have a passively managed fund than it is to have active managers in your portfolio. Okay? You'll see the bank hybrids there. We are also removing that.\n\nNow bank hybrids as an investment is about to be phased out, so we are removing that whilst we're making these changes. It's easy to do it now, so we are utilizing and offsetting any gains that have been received by any losses that have already been received. Otherwise, down the track, we're gonna have to make that call and cement the losses or gains down the track. It kinda works that easy enough to do it all at one. The cybersecurity we are keeping, it is has been a little bit of ups and downs recently, but it is still a good investment to have in there.\n\nCybersecurity and globally is giving you diversification in your portfolio. So we're just gonna rebalance it back to about 5% for you. We are keeping the core composite bonds. We're just gonna rebalance it back. So you've got about need about 9% in there.\n\nYou're in a great portfolio, so it's about eighty twenty sort of split with this one. So having some core composite bonds is expensive in nature. It's also good for income producing because they're holding two sort of funds, making sure we have income producing funds does help for income and compounding effect moving forward. And we're also removing the bank hybrids there, so replacing that with the core composite bonds. And also on the next page, you'll see the iShield yield plus iShares yield plus.\n\nThat's another sort of high high income producing investment, and it's also used as a bit more of a defensive investment for you as well. So we're having those two in there to replace the bank hybrids that we're removing for you. Okay? We're keeping the S and P 500 just rebalancing it back. Obviously, with what's happening in The US and Iran and the world generally, it has taken a bit of a hit.\n\nHowever, The US is still an important place to be invested. Unfortunately, in Australia, we follow what happens with The US, and US equity still over the longer term provide and do provide great returns. So we are looking to keep that there. We're just gonna sort of rebalance it back for you a little bit as well. We are getting rid of the Van x property.\n\nJust removing that completely, we don't see any point in having that in that property has taken a bit of a setback. A lot of the larger areas in Australia are seeing some changes to properties, so that investment is gonna be completely removed. We are also keeping the beta shares roughly a 200 to give you exposure to small and mid cap companies on the ASX. Still a good investment. Still looking at keeping that one there.\n\nWe're just gonna rebalance it back for you to make sure you're not overexposed to those sorts of areas. We've also got the India quality ETF in there. So India is another good place of kind of growth within the market moving forward. So we're gonna increase or add that into your portfolio at about 5% to buy into some of that. And then we've got some global health care as well.\n\nSo, again, globally, it's global exposure is good for diversification. Health care is a very large area, has been since COVID, and we wanna add some of that into the portfolio for you as we do see a lot of growth in that area. The a 200, that's the one I explained that we are sort of replacing then along with. It's giving you exposures to the top 200 companies on the ASX. Between the a 200 and the S and P 500, the good things about being invested in those sorts of investments are they track those individual indices.\n\nSo in order for companies to be in those indices and to be in these investors, they have to meet a certain criteria. The investment committees of those indices do meet on a regular basis, generally, about once every quarter, and they assess what companies are in the indices. If companies no longer are eligible to be in the top 200 on, you know, the ASX or the top 500 on in the S and P 500, they are removed out of there and replaced with other companies. And then these investors, because they are tracking those indices, follow suit. So it kinda gives you a bit of leeway knowing that you're always invested in the top 200 companies with this one or the top 500 with the S and P 500 there as well.\n\nOkay? We've also got the JPMorgan Global Research Enhanced Equity Fund. We're adding that in there for you. This is giving you access to essentially areas that JPMorgan and their research team are feeling are providing greater growth and benefit. This one here does give you some indirect exposure into areas of, say, battery and lithium, minerals and mining exposure as well.\n\nSo it's kind of increasing your exposure into those areas as well as making sure we're diversifying. Didn't really wanna make sure the portfolio only had those areas because it doesn't really give you any diversification, and they can be seen as some high risk areas. They have seen some great growth recently, but there are times those areas don't see good growth or do take large steps back. And some of the companies within those areas are seen as small to mid cap and are quite risky. So we wanted to make sure whilst we're giving you that increase of exposure that you're after, but also making it diversified and making sure that we're not overexposing you to a large sum of risk.\n\nWe all love when markets go up, but we all feel a little bit nervous when they go down. And because your balance is increasing, essentially smaller changes or smaller dips to your balance can make you feel quite nervous. Okay? So we're adding this one in here for you and adding it at sorry. My computer is just frozen.\n\nOh, no. Where is it gone? My computer just lost it on me. Sorry. One second.\n\nSorry. Paul, my computer just turned off. There we go. I lost everything. So adding in there about 10% there for you, so we'll be using some of the funds to buy into that one.\n\nAnd then the iShield is deal plus. So as mentioned, you're in a growth portfolio. You do need to have some defensive investments to help with long term market fluctuations and also income producing there as well. The iShield iShares yield plus is looking at, you know, fixed interest for majority of things. It's more defensive in nature and having about 9% in your portfolio will help with that.\n\nOkay? That's essentially with the the changeover. Now I know one of the things was the last recommendations we made. You didn't wanna make any move any funds from your ARC funds. However, as we kinda spoke about last time, I am making a recommendation that we do roll all but 10,000 in the hub 24, essentially making sure that money is continuously moved over and invested in the portfolio does help with the compounding effect.\n\nInvestment markets can only work so hard, and regular contributions into investments does help with the long term compounding effect of your portfolio and takes advantage of market fluctuations when the markets are either performing well or not performing as well. When the market's taking a bit of a dip continuously putting money into the investments, buyers into those discounted rates, and you can see great growth when the when the funds come out and recover from those downtime. So I am making a recommendation that we do also roll some funds from the ART funds. We'll leave 10,000 in there. Your contributions still keep going in there, and every year, it's important just to keep rolling some funds between ART and Hub twenty four.\n\nThe ARC fund is just sort of to keep your insurances in place. You also wanted to keep that for a bit of a diversification in your portfolio as well, which is absolutely fine, but we just wanted to make sure our recommendations are reflective of that for you. Does that all make sense so far? Yeah. All good.\n\nIf you go down to page number 23 there for me, you can sort of see the difference in the fee structure. So one of the things I wanted to look at was the CDT consequences because whenever we buy and sell investments within your super fund, there are taxation consequences for your super. Essentially, the CGT on this one is about $900, so your super fund would have a CGT consequence of $900 for completing the swap, the buy, sell that we are making, but it's also putting you in a better portfolio as well. So when we looked at the previous research there and we went down and had a look, the three year rolling average on your current portfolio has showed about 9.54%. When we weigh up the rolling average of the current portfolio we're putting you in, you can see it has performed a bit better in the past.\n\nIt's important to note that projections are just projections. They do depend upon market performance, and markets can change basically from day to day, from year to year. I can safely say this time last year, we never thought we'd be in the position we are this year. We probably never also thought, you know, the we were gonna be at war with Iran at this point in time as well. So every year, things can change, and past performance is just past performance.\n\nI always suggest everyone look at projections with a grain of salt, understanding that projections are just projections based on past data. Okay? The other thing we have here sorry. The other thing is the investment fees. So as I kinda mentioned sorry.\n\nWith moving out of Bennelong and moving into the a 200, it is much more of a cheaper investment option, but making the switch as a whole actually reduces your investment cost. So by completing the switch and the rollover there, we can actually save you $801 for the year on investment fees. So it means that you're paying less than investment fees for the investments and saving a bit of money which stays in your portfolio and can work you know, help benefit the long term compounding effect there. Okay? Contributions do continue to go into your ART super fund there for you.\n\nWe'll just make sure we do reviews with you on a regular basis. Obviously, the main sort of thing is eventually being able to consolidate everything into one place. But for now, because you wanna keep the ART fund open and the insurance is where they're located, we just wanna review both the funds, make sure they're working as hard as possible, noting that investments will go up and down. So we are gonna have times moving forward where the investments may not perform as well as they're expected and times when they might outperform where they're expected to as well. It's just the nature of investing in investment markets, unfortunately.\n\nAnd then insurance premiums continue to stay in the AARP fund there for you as well. They are just indicative of the unitized pricing that the fund charges for those at the moment. Okay? All good. The next page does sort of show you an updated projection based on the research that we've completed showing you that if the market performed the way they have over the past couple of years where you could end up over the next five, ten years between the two funds there.\n\nAs I mentioned, this would always be looked at with a grain of salt projections, are those projections, and we never know how markets are gonna react. As I said, you know, we did not expect that we were gonna be in this position last year with where we are, and who knows where we're gonna end up next year or what's gonna happen in the next couple of months. So we're just sort of looking at the way investors have performed in the past and looking to see, you know, where they could end up in the future. Okay? I've also got in there that we are retaining the ART super fund there for you, keeping those insurances in place.\n\nAs I mentioned, we just wanna keep 10,000 in place there for you. Like, your contributions going in and continuously roll money into Hub twenty four, reviewing all of this on a regular basis. So we do your annual reviews with you. I can also look to do a catch up with you in about three months if you like just to see where things are going and whether we need to make any additional changes to your portfolio. But the updated recommendations of the portfolio do increase your access into the battery and lithium tech, into the minerals exposure, and into the mining sectors there for you as well between all those investments.\n\nIt's giving you both direct and indirect investments, so it's making a little bit more diversified for you as well. And, yeah, we just wanna obviously make sure we do reviews moving forward. I can review things with you in about three months. Would that be preferable, or did you want something a little bit earlier? No.\n\nWhat what would what would you prefer? Do you want sort of three months, or did you want something a bit earlier? Three months is okay? Yeah. That's okay.\n\nNot a problem at all. I've got in there for you the advantages, the disadvantages, and the risks involved of, obviously, the recommendations there. It's completely up to you if you take on these recommendations or not. If there's any part of the recommendations as previously that you chose not to take on board, we just get you on the very last page. You have that sort of have a line and a section where you can just leave a note, and you just need to write in there what section that you're not wanting to take on board.\n\nOkay? All good. The only last thing I just wanted to kinda point out was the balance in here is a little bit different. So I know with the hub because this document was sort of completed with the research a little while ago, We sort of spoke last time on the March 31 there. Your balance since then has increased.\n\nSo the balance in the fund in Hub twenty four as per the advice document has four hundred and nine thousand one eight five. The balance as of today's date and have 24 is $415,006.03 1. So since we last called up, we have seen a little bit of a recovery in the market, then your portfolio has increased back by about 3.33%, which is good to see. But when I have a look at the VIX index moving forward, there is more volatility to come. So we'll just keep monitoring and looking at things.\n\nLet me know if you have additional questions in there at all. And we'll just need to update the ARC balance as well. We weren't able to get an updated statement. So the balance net is from the last statement we were able to receive, which is from last year. So in order to complete any rollovers, we'll just need to get an updated balance from you to make sure that we've got the right figures there.\n\nOkay? That's okay. That's alright. If it's easier, so even the screenshot, I know the team asked for statements on a regular basis. But even just a screenshot, if you're able to take a quick screenshot of the balance, that even works perfectly fine.\n\nI'm happy to work with that for you because I know ART and some of the industry funds don't provide statements as regularly as you like. It's harder to sort of obtain those. But even just a screenshot there is fine. Okay. All good.\n\nAll good. I'll let you go so you can have a bit of a read through that one. Let me know if you do happen to have any questions there. We've got the updated recommendations. And, again, if there's anything that you chose not to take on board, just make a little note on the back page there for me as well.\n\nOkay? All good. No worries, Paul. Thanks so much. You have a good day.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":2.3999999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.16295036673545837},{"text":"It's Dana from OQ Financial.","start":2.8799999,"end":4.4,"sentiment":"neutral","sentiment_score":0.20397451519966125},{"text":"How are you today?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.23809845373034477},{"text":"That's good.","start":6.7999997,"end":7.44,"sentiment":"positive","sentiment_score":0.7371461987495422},{"text":"I had you booked in to go through your updated statement of advice.","start":7.44,"end":10.08,"sentiment":"positive","sentiment_score":0.4259888965349931}],"sentiment":"positive","sentiment_score":0.35808904526325375,"num_words":26,"start":2.3999999,"end":10.08},{"sentences":[{"text":"Is now still a good time there for you?","start":10.08,"end":11.94,"sentiment":"positive","sentiment_score":0.36240007479985553},{"text":"Yeah.","start":13.295,"end":13.695001,"sentiment":"neutral","sentiment_score":0.18050768971443176},{"text":"That's okay.","start":13.695001,"end":14.435,"sentiment":"neutral","sentiment_score":0.12131830677390099},{"text":"Do you have access to your emails at the moment?","start":14.495001,"end":16.675,"sentiment":"neutral","sentiment_score":0.02395627899095416},{"text":"Yeah.","start":19.135,"end":19.375,"sentiment":"neutral","sentiment_score":0.024351611733436584}],"sentiment":"neutral","sentiment_score":0.17168084252625704,"num_words":23,"start":10.08,"end":19.375},{"sentences":[{"text":"Do you have access to them?","start":19.375,"end":20.415,"sentiment":"neutral","sentiment_score":0.013578043319284916},{"text":"If you don't, that's absolutely fine.","start":20.415,"end":21.935001,"sentiment":"neutral","sentiment_score":0.030695775989443064},{"text":"This is sometimes it's easier if I send it through to you, and you can see the document while we're going through it.","start":21.935001,"end":26.595001,"sentiment":"neutral","sentiment_score":0.0786940960780434},{"text":"Yeah.","start":29.79,"end":30.11,"sentiment":"neutral","sentiment_score":0.03722786903381348},{"text":"You're right.","start":30.11,"end":30.85,"sentiment":"neutral","sentiment_score":0.05618804320693016}],"sentiment":"neutral","sentiment_score":0.058558186344606314,"num_words":38,"start":19.375,"end":30.85},{"sentences":[{"text":"Yep.","start":56.22,"end":56.620003,"sentiment":"neutral","sentiment_score":0.16985416412353516},{"text":"Beautiful.","start":56.620003,"end":57.120003,"sentiment":"positive","sentiment_score":0.5333616733551025},{"text":"Lovely.","start":57.18,"end":57.58,"sentiment":"positive","sentiment_score":0.5613278746604919},{"text":"I'm gonna send this one through to you there.","start":57.58,"end":59.6,"sentiment":"neutral","sentiment_score":0.33252395192782086},{"text":"Once it comes through, if you can just open it up for me.","start":59.9,"end":62.3,"sentiment":"neutral","sentiment_score":0.2501537169401462}],"sentiment":"neutral","sentiment_score":0.3003703039884567,"num_words":25,"start":56.22,"end":62.3},{"sentences":[{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":62.3,"end":66.425,"sentiment":"neutral","sentiment_score":0.1541840075736954},{"text":"Are you happy for me to proceed with that?","start":66.485,"end":68.345,"sentiment":"neutral","sentiment_score":0.2073967440260781},{"text":"Beautiful.","start":70.325005,"end":70.805,"sentiment":"positive","sentiment_score":0.4516977071762085},{"text":"And I'll do security there with you as well just to confirm your full name, your date of birth, and address I should have on file just because we are discussing your personal information.","start":70.805,"end":77.625,"sentiment":"neutral","sentiment_score":0.1659615894450861},{"text":"Yep.","start":86.5,"end":86.9,"sentiment":"neutral","sentiment_score":0.12459534406661989}],"sentiment":"neutral","sentiment_score":0.17156699920694032,"num_words":66,"start":62.3,"end":86.9},{"sentences":[{"text":"Beautiful.","start":86.9,"end":87.4,"sentiment":"positive","sentiment_score":0.37407591938972473},{"text":"Thank you so much for that.","start":87.46,"end":89.0,"sentiment":"positive","sentiment_score":0.5503311355908712},{"text":"Now I've emailed that document through to you.","start":89.54,"end":92.655,"sentiment":"neutral","sentiment_score":0.2966761253774166},{"text":"Hopefully, it pops through fairly quickly there for you.","start":92.655,"end":95.235,"sentiment":"neutral","sentiment_score":0.09199085997210608},{"text":"Yep.","start":96.575005,"end":97.075005,"sentiment":"neutral","sentiment_score":0.0727364793419838}],"sentiment":"neutral","sentiment_score":0.27800503820180894,"num_words":25,"start":86.9,"end":97.075005},{"sentences":[{"text":"Yep.","start":97.215004,"end":97.535,"sentiment":"neutral","sentiment_score":0.08899616450071335},{"text":"That's the one.","start":97.535,"end":98.175,"sentiment":"neutral","sentiment_score":0.15020349621772766},{"text":"So if you just press on the button, it'll allow you to go through so you can see the document there.","start":98.175,"end":102.035,"sentiment":"neutral","sentiment_score":0.182200730911323},{"text":"I'll not ask you to sign anything you haven't read.","start":102.175,"end":104.255005,"sentiment":"neutral","sentiment_score":0.11132379174232483},{"text":"You'll get a chance to go back and have a really good read of the document as well before deciding whether you take on the advice.","start":104.255005,"end":111.22706,"sentiment":"neutral","sentiment_score":0.23995670217734116}],"sentiment":"neutral","sentiment_score":0.19209728157911143,"num_words":61,"start":97.215004,"end":111.22706},{"sentences":[{"text":"To make this easier for you, it is mostly about the investments which looking at, you know, how we can alter your investments, removing anything that's been underperforming there.","start":111.22706,"end":119.475,"sentiment":"neutral","sentiment_score":0.13781430109821516},{"text":"On the first page, you'll see that it's being prepared for yourself with the date of the 04/07/2026.","start":120.195,"end":125.795,"sentiment":"neutral","sentiment_score":0.11442971353729565},{"text":"Our advice is valid for six days from the date on the document there.","start":125.795,"end":129.33499,"sentiment":"neutral","sentiment_score":0.14065431218062127},{"text":"And on the bottom there, just learning that my registration number with ASDIC is 1304394.","start":129.955,"end":135.415,"sentiment":"neutral","sentiment_score":0.1199022352695465},{"text":"Okay?","start":135.61,"end":136.11,"sentiment":"neutral","sentiment_score":0.09514489024877548}],"sentiment":"neutral","sentiment_score":0.12882062812130174,"num_words":77,"start":111.22706,"end":136.11},{"sentences":[{"text":"We scoped in areas of superannuation there, and to make this a bit easier for you, if I can just get you to scroll through the documents there for me just down to page number twenty one and twenty two.","start":138.25,"end":148.33,"sentiment":"neutral","sentiment_score":0.1762939179316163},{"text":"This is essentially showing you the major the part of the recommendations that we're making for you.","start":148.33,"end":153.375,"sentiment":"neutral","sentiment_score":0.24952487472225637},{"text":"Beautiful.","start":160.875,"end":161.375,"sentiment":"positive","sentiment_score":0.6814820766448975},{"text":"Now with this one here, we are already making recommendation with regard to your super in hub twenty four that we do complete an investment switch there.","start":162.03,"end":168.26999,"sentiment":"neutral","sentiment_score":0.24425562112419694},{"text":"So we've gone back and have had a really good look at the investments.","start":168.26999,"end":171.01,"sentiment":"positive","sentiment_score":0.4578732507569449}],"sentiment":"neutral","sentiment_score":0.2523261509609945,"num_words":99,"start":138.25,"end":171.01},{"sentences":[{"text":"As we discussed last time, Bennelong has been underperforming a bit there, so we are gonna remove that completely, doing a full sell down of your Bennelong Australian Equities investment.","start":171.54999,"end":180.455,"sentiment":"neutral","sentiment_score":-0.11962811512251695},{"text":"But we're also gonna do a bit of a rebalance and maneuver some of the other investments that probably aren't performing as well.","start":180.675,"end":186.355,"sentiment":"neutral","sentiment_score":-0.13905491615119187},{"text":"One of the things you said that you wanted to look at was having a bit more exposure to, say, lithium, metals, and things like that.","start":186.355,"end":193.66,"sentiment":"neutral","sentiment_score":-0.13302549863090882},{"text":"So we are keeping the ACDC, the battery, and lithium tech there, but just, you know, rebalancing down to about 5%.","start":193.66,"end":200.06,"sentiment":"neutral","sentiment_score":0.024413157964036578},{"text":"So it would sell some of that and reduce it down.","start":200.06,"end":202.935,"sentiment":"neutral","sentiment_score":0.016961903057315132}],"sentiment":"neutral","sentiment_score":-0.08600461476289474,"num_words":111,"start":171.54999,"end":202.935},{"sentences":[{"text":"We're also keeping the physical gold in there, but just rebalancing it back a little bit.","start":203.415,"end":207.175,"sentiment":"neutral","sentiment_score":0.12074413290247321},{"text":"Obviously, gold's done quite well in your portfolio, so cementing some of the gains and having them reinvested does help with the compounding effect.","start":207.175,"end":213.995,"sentiment":"positive","sentiment_score":0.5214573899478031},{"text":"We're getting rid of the Ben and Long Australian Equities credit there because it has been underperforming, and we're replacing that with the a 200, which is at the very bottom of that page.","start":214.855,"end":223.83,"sentiment":"neutral","sentiment_score":-0.13293385719332626},{"text":"So no.","start":224.21,"end":224.77,"sentiment":"neutral","sentiment_score":-0.06870071217417717},{"text":"My apologies.","start":224.77,"end":225.41,"sentiment":"neutral","sentiment_score":-0.11336400732398033}],"sentiment":"neutral","sentiment_score":0.12260260130278766,"num_words":78,"start":203.415,"end":225.41},{"sentences":[{"text":"It is on the next page down.","start":225.41,"end":227.27,"sentiment":"neutral","sentiment_score":-0.002748648902135236},{"text":"The beta says a 200 investment there.","start":227.41,"end":230.07,"sentiment":"neutral","sentiment_score":0.004256327303924731},{"text":"Okay?","start":230.53,"end":230.93001,"sentiment":"neutral","sentiment_score":0.022017303854227063},{"text":"So that is yeah.","start":230.93001,"end":232.26501,"sentiment":"neutral","sentiment_score":0.050375592429190874},{"text":"That is still giving you access into the top 200 companies on the ASX.","start":232.26501,"end":236.76501,"sentiment":"neutral","sentiment_score":0.196641919868333}],"sentiment":"neutral","sentiment_score":0.09051697880424785,"num_words":33,"start":225.41,"end":236.76501},{"sentences":[{"text":"With the Benelong Australian Equities investment, that was more of an actively managed component there.","start":237.625,"end":242.10501,"sentiment":"neutral","sentiment_score":0.14087901661793392},{"text":"But, unfortunately, in recent months, they haven't been able to do their job.","start":242.10501,"end":245.49,"sentiment":"neutral","sentiment_score":-0.2718666691619616},{"text":"They've had some issues with the underlying investments there.","start":245.49,"end":248.05,"sentiment":"neutral","sentiment_score":-0.32860075765185887},{"text":"So we're actually replacing that with more of a cheaper option.","start":248.05,"end":251.11,"sentiment":"neutral","sentiment_score":-0.053826658563180405},{"text":"The a 200 is more of a passively managed fund.","start":251.33,"end":253.97,"sentiment":"neutral","sentiment_score":0.22641297429800034}],"sentiment":"neutral","sentiment_score":-0.04666296155031385,"num_words":58,"start":237.625,"end":253.97},{"sentences":[{"text":"It just tracks the top 200 companies on the ASX, and it does also reduce your costs as well and investment fees.","start":253.97,"end":260.695,"sentiment":"positive","sentiment_score":0.3827242336489938},{"text":"It's cheaper to have a passively managed fund than it is to have active managers in your portfolio.","start":260.695,"end":265.115,"sentiment":"neutral","sentiment_score":0.25794830587175155},{"text":"Okay?","start":265.495,"end":265.995,"sentiment":"neutral","sentiment_score":0.07311975955963135},{"text":"You'll see the bank hybrids there.","start":267.415,"end":268.935,"sentiment":"neutral","sentiment_score":0.030836535928150017},{"text":"We are also removing that.","start":268.935,"end":270.215,"sentiment":"neutral","sentiment_score":0.0013024825602769845}],"sentiment":"neutral","sentiment_score":0.2563010391134482,"num_words":52,"start":253.97,"end":270.215},{"sentences":[{"text":"Now bank hybrids as an investment is about to be phased out, so we are removing that whilst we're making these changes.","start":270.215,"end":276.03,"sentiment":"neutral","sentiment_score":0.056045162068171936},{"text":"It's easy to do it now, so we are utilizing and offsetting any gains that have been received by any losses that have already been received.","start":276.03,"end":282.93002,"sentiment":"neutral","sentiment_score":0.1834341620023434},{"text":"Otherwise, down the track, we're gonna have to make that call and cement the losses or gains down the track.","start":283.07,"end":288.29,"sentiment":"neutral","sentiment_score":0.057726582325994966},{"text":"It kinda works that easy enough to do it all at one.","start":288.475,"end":291.295,"sentiment":"neutral","sentiment_score":0.290414626399676},{"text":"The cybersecurity we are keeping, it is has been a little bit of ups and downs recently, but it is still a good investment to have in there.","start":292.23502,"end":298.635,"sentiment":"neutral","sentiment_score":0.1578938215970993}],"sentiment":"neutral","sentiment_score":0.13947051801477317,"num_words":108,"start":270.215,"end":298.635},{"sentences":[{"text":"Cybersecurity and globally is giving you diversification in your portfolio.","start":298.635,"end":302.255,"sentiment":"neutral","sentiment_score":0.218797867000103},{"text":"So we're just gonna rebalance it back to about 5% for you.","start":302.555,"end":306.08002,"sentiment":"neutral","sentiment_score":0.16877352073788643},{"text":"We are keeping the core composite bonds.","start":307.1,"end":309.44,"sentiment":"neutral","sentiment_score":0.1884593963623047},{"text":"We're just gonna rebalance it back.","start":309.5,"end":310.94,"sentiment":"neutral","sentiment_score":0.1997377946972847},{"text":"So you've got about need about 9% in there.","start":310.94,"end":313.26,"sentiment":"neutral","sentiment_score":0.19352910750442082}],"sentiment":"neutral","sentiment_score":0.19256057793443854,"num_words":44,"start":298.635,"end":313.26},{"sentences":[{"text":"You're in a great portfolio, so it's about eighty twenty sort of split with this one.","start":313.26,"end":317.28,"sentiment":"positive","sentiment_score":0.48659990169107914},{"text":"So having some core composite bonds is expensive in nature.","start":317.975,"end":320.695,"sentiment":"neutral","sentiment_score":0.23896651118993759},{"text":"It's also good for income producing because they're holding two sort of funds, making sure we have income producing funds does help for income and compounding effect moving forward.","start":320.695,"end":330.635,"sentiment":"positive","sentiment_score":0.5835461205449598},{"text":"And we're also removing the bank hybrids there, so replacing that with the core composite bonds.","start":331.71,"end":336.11,"sentiment":"neutral","sentiment_score":0.13993449695408344},{"text":"And also on the next page, you'll see the iShield yield plus iShares yield plus.","start":336.11,"end":341.49,"sentiment":"neutral","sentiment_score":0.17812180519104004}],"sentiment":"positive","sentiment_score":0.3721962798126908,"num_words":86,"start":313.26,"end":341.49},{"sentences":[{"text":"That's another sort of high high income producing investment, and it's also used as a bit more of a defensive investment for you as well.","start":341.63,"end":350.055,"sentiment":"positive","sentiment_score":0.4037544763088226},{"text":"So we're having those two in there to replace the bank hybrids that we're removing for you.","start":350.055,"end":354.295,"sentiment":"neutral","sentiment_score":0.12635788474889362},{"text":"Okay?","start":354.295,"end":354.795,"sentiment":"neutral","sentiment_score":0.07856068760156631},{"text":"We're keeping the S and P 500 just rebalancing it back.","start":356.055,"end":359.1,"sentiment":"neutral","sentiment_score":0.12602005966685034},{"text":"Obviously, with what's happening in The US and Iran and the world generally, it has taken a bit of a hit.","start":359.26,"end":364.30002,"sentiment":"neutral","sentiment_score":-0.24568918453795568}],"sentiment":"neutral","sentiment_score":0.11396339222788811,"num_words":75,"start":341.63,"end":364.30002},{"sentences":[{"text":"However, The US is still an important place to be invested.","start":364.30002,"end":367.76,"sentiment":"neutral","sentiment_score":-0.15718119726939636},{"text":"Unfortunately, in Australia, we follow what happens with The US, and US equity still over the longer term provide and do provide great returns.","start":368.06,"end":375.695,"sentiment":"neutral","sentiment_score":-0.049992541472117104},{"text":"So we are looking to keep that there.","start":375.695,"end":377.61502,"sentiment":"neutral","sentiment_score":-0.029735407326370478},{"text":"We're just gonna sort of rebalance it back for you a little bit as well.","start":377.61502,"end":380.995,"sentiment":"neutral","sentiment_score":0.048585242281357445},{"text":"We are getting rid of the Van x property.","start":382.495,"end":384.755,"sentiment":"neutral","sentiment_score":-0.178462200694614}],"sentiment":"neutral","sentiment_score":-0.060359382028899976,"num_words":67,"start":364.30002,"end":384.755},{"sentences":[{"text":"Just removing that completely, we don't see any point in having that in that property has taken a bit of a setback.","start":384.975,"end":390.275,"sentiment":"neutral","sentiment_score":-0.27893554216081445},{"text":"A lot of the larger areas in Australia are seeing some changes to properties, so that investment is gonna be completely removed.","start":390.46,"end":397.19998,"sentiment":"neutral","sentiment_score":-0.18752868405797266},{"text":"We are also keeping the beta shares roughly a 200 to give you exposure to small and mid cap companies on the ASX.","start":398.3,"end":405.19998,"sentiment":"neutral","sentiment_score":0.027296617789113003},{"text":"Still a good investment.","start":405.935,"end":407.055,"sentiment":"positive","sentiment_score":0.3790002912282944},{"text":"Still looking at keeping that one there.","start":407.055,"end":408.815,"sentiment":"neutral","sentiment_score":0.19688870651381357}],"sentiment":"neutral","sentiment_score":-0.08641241868145955,"num_words":78,"start":384.975,"end":408.815},{"sentences":[{"text":"We're just gonna rebalance it back for you to make sure you're not overexposed to those sorts of areas.","start":408.815,"end":413.395,"sentiment":"neutral","sentiment_score":0.1692590064516193},{"text":"We've also got the India quality ETF in there.","start":414.415,"end":417.215,"sentiment":"neutral","sentiment_score":0.2470989227294922},{"text":"So India is another good place of kind of growth within the market moving forward.","start":417.215,"end":421.41998,"sentiment":"positive","sentiment_score":0.3982105811436971},{"text":"So we're gonna increase or add that into your portfolio at about 5% to buy into some of that.","start":421.41998,"end":426.87997,"sentiment":"positive","sentiment_score":0.3344262618767588},{"text":"And then we've got some global health care as well.","start":427.18,"end":429.5,"sentiment":"neutral","sentiment_score":0.19274175614118577}],"sentiment":"neutral","sentiment_score":0.27353453724127674,"num_words":72,"start":408.815,"end":429.5},{"sentences":[{"text":"So, again, globally, it's global exposure is good for diversification.","start":429.5,"end":432.8,"sentiment":"positive","sentiment_score":0.5230064660310745},{"text":"Health care is a very large area, has been since COVID, and we wanna add some of that into the portfolio for you as we do see a lot of growth in that area.","start":433.47498,"end":441.01498,"sentiment":"positive","sentiment_score":0.41678883968030705},{"text":"The a 200, that's the one I explained that we are sort of replacing then along with.","start":442.91498,"end":447.335,"sentiment":"neutral","sentiment_score":0.07318063759628464},{"text":"It's giving you exposures to the top 200 companies on the ASX.","start":447.47498,"end":450.78,"sentiment":"neutral","sentiment_score":0.141689113030831},{"text":"Between the a 200 and the S and P 500, the good things about being invested in those sorts of investments are they track those individual indices.","start":451.48,"end":459.42,"sentiment":"neutral","sentiment_score":0.28877536676548143}],"sentiment":"neutral","sentiment_score":0.30142160307615995,"num_words":100,"start":429.5,"end":459.42},{"sentences":[{"text":"So in order for companies to be in those indices and to be in these investors, they have to meet a certain criteria.","start":460.04,"end":466.205,"sentiment":"neutral","sentiment_score":0.11602561791305957},{"text":"The investment committees of those indices do meet on a regular basis, generally, about once every quarter, and they assess what companies are in the indices.","start":466.745,"end":475.085,"sentiment":"neutral","sentiment_score":0.09511277194206531},{"text":"If companies no longer are eligible to be in the top 200 on, you know, the ASX or the top 500 on in the S and P 500, they are removed out of there and replaced with other companies.","start":475.53,"end":486.43,"sentiment":"neutral","sentiment_score":-0.0328068977747208},{"text":"And then these investors, because they are tracking those indices, follow suit.","start":486.73,"end":490.575,"sentiment":"neutral","sentiment_score":0.17328872034947077},{"text":"So it kinda gives you a bit of leeway knowing that you're always invested in the top 200 companies with this one or the top 500 with the S and P 500 there as well.","start":490.815,"end":499.45502,"sentiment":"neutral","sentiment_score":0.27032487818173}],"sentiment":"neutral","sentiment_score":0.1140954640728456,"num_words":135,"start":460.04,"end":499.45502},{"sentences":[{"text":"Okay?","start":499.45502,"end":499.95502,"sentiment":"neutral","sentiment_score":0.12371460348367692},{"text":"We've also got the JPMorgan Global Research Enhanced Equity Fund.","start":502.17502,"end":505.96,"sentiment":"neutral","sentiment_score":0.26041882783174514},{"text":"We're adding that in there for you.","start":505.96,"end":507.48,"sentiment":"neutral","sentiment_score":0.29979478887149263},{"text":"This is giving you access to essentially areas that JPMorgan and their research team are feeling are providing greater growth and benefit.","start":507.48,"end":515.82,"sentiment":"positive","sentiment_score":0.4741684984077107},{"text":"This one here does give you some indirect exposure into areas of, say, battery and lithium, minerals and mining exposure as well.","start":516.6,"end":523.835,"sentiment":"neutral","sentiment_score":0.15988358922980048}],"sentiment":"neutral","sentiment_score":0.30283245696656164,"num_words":62,"start":499.45502,"end":523.835},{"sentences":[{"text":"So it's kind of increasing your exposure into those areas as well as making sure we're diversifying.","start":523.835,"end":528.815,"sentiment":"positive","sentiment_score":0.38724395983359394},{"text":"Didn't really wanna make sure the portfolio only had those areas because it doesn't really give you any diversification, and they can be seen as some high risk areas.","start":529.435,"end":537.35004,"sentiment":"negative","sentiment_score":-0.33697384493104343},{"text":"They have seen some great growth recently, but there are times those areas don't see good growth or do take large steps back.","start":537.65,"end":544.69,"sentiment":"neutral","sentiment_score":-0.30384390930766647},{"text":"And some of the companies within those areas are seen as small to mid cap and are quite risky.","start":544.69,"end":549.41003,"sentiment":"neutral","sentiment_score":-0.2829264994514616},{"text":"So we wanted to make sure whilst we're giving you that increase of exposure that you're after, but also making it diversified and making sure that we're not overexposing you to a large sum of risk.","start":549.41003,"end":559.885,"sentiment":"neutral","sentiment_score":-0.028221048621667758}],"sentiment":"neutral","sentiment_score":-0.13362149467631693,"num_words":124,"start":523.835,"end":559.885},{"sentences":[{"text":"We all love when markets go up, but we all feel a little bit nervous when they go down.","start":560.185,"end":563.865,"sentiment":"neutral","sentiment_score":-0.19556627579425512},{"text":"And because your balance is increasing, essentially smaller changes or smaller dips to your balance can make you feel quite nervous.","start":563.865,"end":571.17,"sentiment":"negative","sentiment_score":-0.37820932552928016},{"text":"Okay?","start":571.39,"end":571.89,"sentiment":"neutral","sentiment_score":-0.0779770165681839},{"text":"So we're adding this one in here for you and adding it at sorry.","start":573.79,"end":577.70996,"sentiment":"neutral","sentiment_score":0.03309994170974408},{"text":"My computer is just frozen.","start":577.70996,"end":579.08997,"sentiment":"negative","sentiment_score":-0.555945998430252}],"sentiment":"neutral","sentiment_score":-0.2342077150164793,"num_words":60,"start":560.185,"end":579.08997},{"sentences":[{"text":"Oh, no.","start":580.40497,"end":580.88495,"sentiment":"negative","sentiment_score":-0.37576115131378174},{"text":"Where is it gone?","start":580.88495,"end":581.865,"sentiment":"negative","sentiment_score":-0.3824743926525116},{"text":"My computer just lost it on me.","start":582.88495,"end":584.88495,"sentiment":"negative","sentiment_score":-0.5998786773000445},{"text":"Sorry.","start":584.88495,"end":585.285,"sentiment":"neutral","sentiment_score":-0.2641095817089081},{"text":"One second.","start":585.285,"end":586.105,"sentiment":"neutral","sentiment_score":-0.19486573338508606}],"sentiment":"negative","sentiment_score":-0.4459007289260626,"num_words":16,"start":580.40497,"end":586.105},{"sentences":[{"text":"Sorry.","start":590.00494,"end":590.32495,"sentiment":"neutral","sentiment_score":-0.1879129558801651},{"text":"Paul, my computer just turned off.","start":590.32495,"end":592.08496,"sentiment":"neutral","sentiment_score":-0.33242681125799817},{"text":"There we go.","start":592.08496,"end":592.985,"sentiment":"neutral","sentiment_score":-0.19183972974618277},{"text":"I lost everything.","start":594.165,"end":595.14496,"sentiment":"neutral","sentiment_score":-0.26677216092745465},{"text":"So adding in there about 10% there for you, so we'll be using some of the funds to buy into that one.","start":595.74,"end":601.10004,"sentiment":"neutral","sentiment_score":0.14882886037230492}],"sentiment":"neutral","sentiment_score":-0.008116416207381657,"num_words":35,"start":590.00494,"end":601.10004},{"sentences":[{"text":"And then the iShield is deal plus.","start":601.10004,"end":603.10004,"sentiment":"neutral","sentiment_score":0.17003219042505538},{"text":"So as mentioned, you're in a growth portfolio.","start":603.10004,"end":605.02,"sentiment":"neutral","sentiment_score":0.19702592492103577},{"text":"You do need to have some defensive investments to help with long term market fluctuations and also income producing there as well.","start":605.02,"end":611.875,"sentiment":"neutral","sentiment_score":0.2583450437946753},{"text":"The iShield iShares yield plus is looking at, you know, fixed interest for majority of things.","start":611.875,"end":617.875,"sentiment":"neutral","sentiment_score":0.224340352229774},{"text":"It's more defensive in nature and having about 9% in your portfolio will help with that.","start":617.875,"end":622.295,"sentiment":"neutral","sentiment_score":0.28099866211414337}],"sentiment":"neutral","sentiment_score":0.2396441728308581,"num_words":69,"start":601.10004,"end":622.295},{"sentences":[{"text":"Okay?","start":622.355,"end":622.855,"sentiment":"neutral","sentiment_score":0.14284531772136688},{"text":"That's essentially with the the changeover.","start":624.25,"end":626.51,"sentiment":"neutral","sentiment_score":0.14771803468465805},{"text":"Now I know one of the things was the last recommendations we made.","start":626.97003,"end":630.01,"sentiment":"neutral","sentiment_score":0.13444978514542946},{"text":"You didn't wanna make any move any funds from your ARC funds.","start":630.01,"end":633.63,"sentiment":"neutral","sentiment_score":-0.019772641981641453},{"text":"However, as we kinda spoke about last time, I am making a recommendation that we do roll all but 10,000 in the hub 24, essentially making sure that money is continuously moved over and invested in the portfolio does help with the compounding effect.","start":634.01,"end":648.315,"sentiment":"neutral","sentiment_score":0.24791005067527294}],"sentiment":"neutral","sentiment_score":0.17694435866647645,"num_words":76,"start":622.355,"end":648.315},{"sentences":[{"text":"Investment markets can only work so hard, and regular contributions into investments does help with the long term compounding effect of your portfolio and takes advantage of market fluctuations when the markets are either performing well or not performing as well.","start":648.63,"end":663.15497,"sentiment":"neutral","sentiment_score":0.24932100869170049},{"text":"When the market's taking a bit of a dip continuously putting money into the investments, buyers into those discounted rates, and you can see great growth when the when the funds come out and recover from those downtime.","start":663.15497,"end":674.135,"sentiment":"neutral","sentiment_score":0.1947982633780492},{"text":"So I am making a recommendation that we do also roll some funds from the ART funds.","start":674.275,"end":679.44995,"sentiment":"neutral","sentiment_score":0.26299528251675997},{"text":"We'll leave 10,000 in there.","start":679.75,"end":681.43,"sentiment":"neutral","sentiment_score":0.2894004911184311},{"text":"Your contributions still keep going in there, and every year, it's important just to keep rolling some funds between ART and Hub twenty four.","start":681.43,"end":688.635,"sentiment":"positive","sentiment_score":0.35900190224250156}],"sentiment":"neutral","sentiment_score":0.25726770621538164,"num_words":125,"start":648.63,"end":688.635},{"sentences":[{"text":"The ARC fund is just sort of to keep your insurances in place.","start":688.955,"end":693.055,"sentiment":"positive","sentiment_score":0.4064154647863828},{"text":"You also wanted to keep that for a bit of a diversification in your portfolio as well, which is absolutely fine, but we just wanted to make sure our recommendations are reflective of that for you.","start":693.115,"end":702.155,"sentiment":"positive","sentiment_score":0.44649990234110093},{"text":"Does that all make sense so far?","start":702.155,"end":703.855,"sentiment":"neutral","sentiment_score":0.19177895997251784},{"text":"Yeah.","start":705.45996,"end":705.77997,"sentiment":"positive","sentiment_score":0.3592962622642517},{"text":"All good.","start":705.77997,"end":706.51996,"sentiment":"positive","sentiment_score":0.4724555015563965}],"sentiment":"positive","sentiment_score":0.4068484324014793,"num_words":59,"start":688.955,"end":706.51996},{"sentences":[{"text":"If you go down to page number 23 there for me, you can sort of see the difference in the fee structure.","start":707.3,"end":712.01996,"sentiment":"neutral","sentiment_score":0.06625083766200325},{"text":"So one of the things I wanted to look at was the CDT consequences because whenever we buy and sell investments within your super fund, there are taxation consequences for your super.","start":712.01996,"end":721.775,"sentiment":"neutral","sentiment_score":0.024169218027964234},{"text":"Essentially, the CGT on this one is about $900, so your super fund would have a CGT consequence of $900 for completing the swap, the buy, sell that we are making, but it's also putting you in a better portfolio as well.","start":722.47504,"end":737.06,"sentiment":"neutral","sentiment_score":0.23015345287110126},{"text":"So when we looked at the previous research there and we went down and had a look, the three year rolling average on your current portfolio has showed about 9.54%.","start":737.2,"end":746.33997,"sentiment":"neutral","sentiment_score":0.05576028960446517},{"text":"When we weigh up the rolling average of the current portfolio we're putting you in, you can see it has performed a bit better in the past.","start":746.645,"end":753.305,"sentiment":"neutral","sentiment_score":0.23169059692709534}],"sentiment":"neutral","sentiment_score":0.12958060935431837,"num_words":153,"start":707.3,"end":753.305},{"sentences":[{"text":"It's important to note that projections are just projections.","start":753.605,"end":756.565,"sentiment":"neutral","sentiment_score":-0.06423125167687734},{"text":"They do depend upon market performance, and markets can change basically from day to day, from year to year.","start":756.565,"end":763.07,"sentiment":"neutral","sentiment_score":-0.08595877630930197},{"text":"I can safely say this time last year, we never thought we'd be in the position we are this year.","start":763.13,"end":767.95,"sentiment":"neutral","sentiment_score":-0.10098653305321932},{"text":"We probably never also thought, you know, the we were gonna be at war with Iran at this point in time as well.","start":768.17,"end":773.29,"sentiment":"neutral","sentiment_score":-0.24835080815398175},{"text":"So every year, things can change, and past performance is just past performance.","start":773.29,"end":778.505,"sentiment":"neutral","sentiment_score":-0.11893667108737506}],"sentiment":"neutral","sentiment_score":-0.13677707128226757,"num_words":84,"start":753.605,"end":778.505},{"sentences":[{"text":"I always suggest everyone look at projections with a grain of salt, understanding that projections are just projections based on past data.","start":778.505,"end":785.805,"sentiment":"neutral","sentiment_score":0.06838158374144272},{"text":"Okay?","start":785.945,"end":786.445,"sentiment":"neutral","sentiment_score":0.05505361407995224},{"text":"The other thing we have here sorry.","start":788.57,"end":790.59,"sentiment":"neutral","sentiment_score":-0.00851982831954956},{"text":"The other thing is the investment fees.","start":790.89,"end":792.73,"sentiment":"neutral","sentiment_score":-0.05330879507320268},{"text":"So as I kinda mentioned sorry.","start":792.73,"end":794.99,"sentiment":"neutral","sentiment_score":0.10976482679446538}],"sentiment":"neutral","sentiment_score":0.041517140776958575,"num_words":43,"start":778.505,"end":794.99},{"sentences":[{"text":"With moving out of Bennelong and moving into the a 200, it is much more of a cheaper investment option, but making the switch as a whole actually reduces your investment cost.","start":796.17,"end":805.83496,"sentiment":"positive","sentiment_score":0.3335870811715722},{"text":"So by completing the switch and the rollover there, we can actually save you $801 for the year on investment fees.","start":806.295,"end":815.07,"sentiment":"positive","sentiment_score":0.6832438423520043},{"text":"So it means that you're paying less than investment fees for the investments and saving a bit of money which stays in your portfolio and can work you know, help benefit the long term compounding effect there.","start":815.07,"end":825.63,"sentiment":"positive","sentiment_score":0.7354621420035491},{"text":"Okay?","start":825.63,"end":826.13,"sentiment":"neutral","sentiment_score":0.2817705571651459},{"text":"Contributions do continue to go into your ART super fund there for you.","start":828.92505,"end":833.245,"sentiment":"positive","sentiment_score":0.333883347419592}],"sentiment":"positive","sentiment_score":0.5467044289868611,"num_words":104,"start":796.17,"end":833.245},{"sentences":[{"text":"We'll just make sure we do reviews with you on a regular basis.","start":833.245,"end":835.98505,"sentiment":"neutral","sentiment_score":0.15111539226311904},{"text":"Obviously, the main sort of thing is eventually being able to consolidate everything into one place.","start":836.685,"end":841.2,"sentiment":"neutral","sentiment_score":0.15916306572034955},{"text":"But for now, because you wanna keep the ART fund open and the insurance is where they're located, we just wanna review both the funds, make sure they're working as hard as possible, noting that investments will go up and down.","start":841.44,"end":852.0,"sentiment":"neutral","sentiment_score":0.05157769653128415},{"text":"So we are gonna have times moving forward where the investments may not perform as well as they're expected and times when they might outperform where they're expected to as well.","start":852.0,"end":860.785,"sentiment":"neutral","sentiment_score":-0.14662138751197246},{"text":"It's just the nature of investing in investment markets, unfortunately.","start":860.785,"end":863.845,"sentiment":"neutral","sentiment_score":-0.20605283826589585}],"sentiment":"neutral","sentiment_score":0.00018021002881698782,"num_words":111,"start":833.245,"end":863.845},{"sentences":[{"text":"And then insurance premiums continue to stay in the AARP fund there for you as well.","start":865.185,"end":870.06,"sentiment":"neutral","sentiment_score":-0.09101932076737285},{"text":"They are just indicative of the unitized pricing that the fund charges for those at the moment.","start":870.3,"end":875.6,"sentiment":"neutral","sentiment_score":-0.06194911393172601},{"text":"Okay?","start":875.98,"end":876.48,"sentiment":"neutral","sentiment_score":0.02257494814693928},{"text":"All good.","start":878.46,"end":879.2,"sentiment":"neutral","sentiment_score":0.3156141936779022},{"text":"The next page does sort of show you an updated projection based on the research that we've completed showing you that if the market performed the way they have over the past couple of years where you could end up over the next five, ten years between the two funds there.","start":879.66,"end":892.875,"sentiment":"neutral","sentiment_score":0.0561770218260148}],"sentiment":"neutral","sentiment_score":0.011602153787496447,"num_words":87,"start":865.185,"end":892.875},{"sentences":[{"text":"As I mentioned, this would always be looked at with a grain of salt projections, are those projections, and we never know how markets are gonna react.","start":893.175,"end":899.61,"sentiment":"neutral","sentiment_score":-0.02156102648694758},{"text":"As I said, you know, we did not expect that we were gonna be in this position last year with where we are, and who knows where we're gonna end up next year or what's gonna happen in the next couple of months.","start":900.17,"end":909.85,"sentiment":"neutral","sentiment_score":-0.014873477868562522},{"text":"So we're just sort of looking at the way investors have performed in the past and looking to see, you know, where they could end up in the future.","start":909.85,"end":917.025,"sentiment":"neutral","sentiment_score":0.17189525864247618},{"text":"Okay?","start":917.485,"end":917.985,"sentiment":"neutral","sentiment_score":0.16246739029884338},{"text":"I've also got in there that we are retaining the ART super fund there for you, keeping those insurances in place.","start":919.965,"end":925.245,"sentiment":"neutral","sentiment_score":0.29653122311546687}],"sentiment":"neutral","sentiment_score":0.08390808523024533,"num_words":121,"start":893.175,"end":925.245},{"sentences":[{"text":"As I mentioned, we just wanna keep 10,000 in place there for you.","start":925.245,"end":928.74,"sentiment":"neutral","sentiment_score":0.33187011113533604},{"text":"Like, your contributions going in and continuously roll money into Hub twenty four, reviewing all of this on a regular basis.","start":928.82,"end":935.22,"sentiment":"neutral","sentiment_score":0.27365849699292866},{"text":"So we do your annual reviews with you.","start":935.22,"end":936.82,"sentiment":"neutral","sentiment_score":0.29734022356569767},{"text":"I can also look to do a catch up with you in about three months if you like just to see where things are going and whether we need to make any additional changes to your portfolio.","start":936.82,"end":944.685,"sentiment":"neutral","sentiment_score":0.23780633106425003},{"text":"But the updated recommendations of the portfolio do increase your access into the battery and lithium tech, into the minerals exposure, and into the mining sectors there for you as well between all those investments.","start":945.385,"end":956.205,"sentiment":"positive","sentiment_score":0.41559871860912867}],"sentiment":"neutral","sentiment_score":0.31390044798976496,"num_words":114,"start":925.245,"end":956.205},{"sentences":[{"text":"It's giving you both direct and indirect investments, so it's making a little bit more diversified for you as well.","start":956.83,"end":962.77,"sentiment":"positive","sentiment_score":0.5098393648862839},{"text":"And, yeah, we just wanna obviously make sure we do reviews moving forward.","start":963.14996,"end":966.61,"sentiment":"neutral","sentiment_score":0.22562254850681013},{"text":"I can review things with you in about three months.","start":966.99,"end":969.375,"sentiment":"neutral","sentiment_score":0.1353183887898922},{"text":"Would that be preferable, or did you want something a little bit earlier?","start":969.375,"end":972.67505,"sentiment":"neutral","sentiment_score":0.020863363805871744},{"text":"No.","start":979.375,"end":979.875,"sentiment":"neutral","sentiment_score":-0.25769850611686707}],"sentiment":"neutral","sentiment_score":0.25432613227320344,"num_words":57,"start":956.83,"end":979.875},{"sentences":[{"text":"What what would what would you prefer?","start":981.07,"end":983.23,"sentiment":"neutral","sentiment_score":-0.045364578387566974},{"text":"Do you want sort of three months, or did you want something a bit earlier?","start":983.23,"end":986.52997,"sentiment":"neutral","sentiment_score":-0.04815912221868833},{"text":"Three months is okay?","start":989.23,"end":990.52997,"sentiment":"neutral","sentiment_score":0.04539058543741703},{"text":"Yeah.","start":992.35,"end":992.58997,"sentiment":"neutral","sentiment_score":0.2347075343132019},{"text":"That's okay.","start":992.58997,"end":993.23,"sentiment":"neutral","sentiment_score":0.2869068384170532}],"sentiment":"neutral","sentiment_score":-0.001719149279183355,"num_words":29,"start":981.07,"end":993.23},{"sentences":[{"text":"Not a problem at all.","start":993.23,"end":994.365,"sentiment":"neutral","sentiment_score":0.23339735865592956},{"text":"I've got in there for you the advantages, the disadvantages, and the risks involved of, obviously, the recommendations there.","start":995.08496,"end":1001.425,"sentiment":"neutral","sentiment_score":-0.000751730642820659},{"text":"It's completely up to you if you take on these recommendations or not.","start":1001.725,"end":1005.325,"sentiment":"neutral","sentiment_score":0.10125783171791297},{"text":"If there's any part of the recommendations as previously that you chose not to take on board, we just get you on the very last page.","start":1005.325,"end":1012.24,"sentiment":"neutral","sentiment_score":-0.19839998793143493},{"text":"You have that sort of have a line and a section where you can just leave a note, and you just need to write in there what section that you're not wanting to take on board.","start":1012.24,"end":1021.93994,"sentiment":"neutral","sentiment_score":-0.09219489391479227}],"sentiment":"neutral","sentiment_score":-0.0606905065025344,"num_words":99,"start":993.23,"end":1021.93994},{"sentences":[{"text":"Okay?","start":1022.0,"end":1022.5,"sentiment":"neutral","sentiment_score":0.042257510125637054},{"text":"All good.","start":1024.925,"end":1025.645,"sentiment":"positive","sentiment_score":0.7113673985004425},{"text":"The only last thing I just wanted to kinda point out was the balance in here is a little bit different.","start":1025.645,"end":1029.9651,"sentiment":"neutral","sentiment_score":-0.06779908140500386},{"text":"So I know with the hub because this document was sort of completed with the research a little while ago, We sort of spoke last time on the March 31 there.","start":1029.9651,"end":1039.7899,"sentiment":"neutral","sentiment_score":-0.001479423334521632},{"text":"Your balance since then has increased.","start":1040.33,"end":1042.1699,"sentiment":"neutral","sentiment_score":0.1560550034046173}],"sentiment":"neutral","sentiment_score":0.015273434338999576,"num_words":61,"start":1022.0,"end":1042.1699},{"sentences":[{"text":"So the balance in the fund in Hub twenty four as per the advice document has four hundred and nine thousand one eight five.","start":1042.1699,"end":1048.515,"sentiment":"neutral","sentiment_score":0.10786333866417408},{"text":"The balance as of today's date and have 24 is $415,006.03 1.","start":1048.595,"end":1053.715,"sentiment":"neutral","sentiment_score":0.06217921059578657},{"text":"So since we last called up, we have seen a little bit of a recovery in the market, then your portfolio has increased back by about 3.33%, which is good to see.","start":1053.715,"end":1062.775,"sentiment":"positive","sentiment_score":0.4025316305924207},{"text":"But when I have a look at the VIX index moving forward, there is more volatility to come.","start":1063.3701,"end":1067.53,"sentiment":"neutral","sentiment_score":-0.0817518410169416},{"text":"So we'll just keep monitoring and looking at things.","start":1067.53,"end":1070.25,"sentiment":"neutral","sentiment_score":0.05104731685585446}],"sentiment":"neutral","sentiment_score":0.16003974260468232,"num_words":95,"start":1042.1699,"end":1070.25},{"sentences":[{"text":"Let me know if you have additional questions in there at all.","start":1070.25,"end":1073.15,"sentiment":"neutral","sentiment_score":0.09006646275520325},{"text":"And we'll just need to update the ARC balance as well.","start":1073.3701,"end":1076.01,"sentiment":"neutral","sentiment_score":0.023510808633132416},{"text":"We weren't able to get an updated statement.","start":1076.01,"end":1078.215,"sentiment":"neutral","sentiment_score":-0.19098738208413124},{"text":"So the balance net is from the last statement we were able to receive, which is from last year.","start":1078.215,"end":1083.515,"sentiment":"neutral","sentiment_score":-0.02192162741955958},{"text":"So in order to complete any rollovers, we'll just need to get an updated balance from you to make sure that we've got the right figures there.","start":1083.735,"end":1090.235,"sentiment":"neutral","sentiment_score":0.015106463942814756}],"sentiment":"neutral","sentiment_score":-0.0025599870540491945,"num_words":77,"start":1070.25,"end":1090.235},{"sentences":[{"text":"Okay?","start":1090.295,"end":1090.795,"sentiment":"neutral","sentiment_score":0.039648838341236115},{"text":"That's okay.","start":1093.63,"end":1094.4299,"sentiment":"neutral","sentiment_score":0.06664563342928886},{"text":"That's alright.","start":1094.4299,"end":1095.1499,"sentiment":"neutral","sentiment_score":0.1840556412935257},{"text":"If it's easier, so even the screenshot, I know the team asked for statements on a regular basis.","start":1095.1499,"end":1102.19,"sentiment":"neutral","sentiment_score":0.05123786110844877},{"text":"But even just a screenshot, if you're able to take a quick screenshot of the balance, that even works perfectly fine.","start":1102.19,"end":1108.8251,"sentiment":"neutral","sentiment_score":0.16659315844022093}],"sentiment":"neutral","sentiment_score":0.11276793670417233,"num_words":44,"start":1090.295,"end":1108.8251},{"sentences":[{"text":"I'm happy to work with that for you because I know ART and some of the industry funds don't provide statements as regularly as you like.","start":1108.8251,"end":1115.545,"sentiment":"positive","sentiment_score":0.4962957604573323},{"text":"It's harder to sort of obtain those.","start":1115.545,"end":1117.405,"sentiment":"neutral","sentiment_score":0.02370864206126758},{"text":"But even just a screenshot there is fine.","start":1117.625,"end":1119.885,"sentiment":"neutral","sentiment_score":0.14006183668971062},{"text":"Okay.","start":1120.025,"end":1120.525,"sentiment":"neutral","sentiment_score":0.15395405888557434},{"text":"All good.","start":1122.71,"end":1123.35,"sentiment":"positive","sentiment_score":0.6252833306789398}],"sentiment":"positive","sentiment_score":0.354424220001833,"num_words":44,"start":1108.8251,"end":1123.35},{"sentences":[{"text":"All good.","start":1123.35,"end":1123.9099,"sentiment":"positive","sentiment_score":0.6204273402690887},{"text":"I'll let you go so you can have a bit of a read through that one.","start":1123.9099,"end":1126.1499,"sentiment":"positive","sentiment_score":0.40173732675611973},{"text":"Let me know if you do happen to have any questions there.","start":1126.1499,"end":1128.73,"sentiment":"neutral","sentiment_score":0.31069866567850113},{"text":"We've got the updated recommendations.","start":1129.51,"end":1131.2899,"sentiment":"positive","sentiment_score":0.37373382449150083},{"text":"And, again, if there's anything that you chose not to take on board, just make a little note on the back page there for me as well.","start":1131.35,"end":1136.8099,"sentiment":"neutral","sentiment_score":0.14959737879258614}],"sentiment":"neutral","sentiment_score":0.27911022978444255,"num_words":62,"start":1123.35,"end":1136.8099},{"sentences":[{"text":"Okay?","start":1139.1549,"end":1139.635,"sentiment":"positive","sentiment_score":0.4817158877849579},{"text":"All good.","start":1139.635,"end":1140.5349,"sentiment":"positive","sentiment_score":0.6392899751663208},{"text":"No worries, Paul.","start":1140.595,"end":1141.5549,"sentiment":"positive","sentiment_score":0.5524512628714243},{"text":"Thanks so much.","start":1141.5549,"end":1142.195,"sentiment":"positive","sentiment_score":0.8473807573318481},{"text":"You have a good day.","start":1142.195,"end":1143.255,"sentiment":"positive","sentiment_score":0.76289803981781}],"sentiment":"positive","sentiment_score":0.6981630069868905,"num_words":14,"start":1139.1549,"end":1143.255},{"sentences":[{"text":"Bye bye.","start":1144.515,"end":1145.255,"sentiment":"neutral","sentiment_score":0.047795508056879044}],"sentiment":"neutral","sentiment_score":0.047795508056879044,"num_words":2,"start":1144.515,"end":1145.255}]}}]},{"alternatives":[{"transcript":"Hello? Paul Card. Yeah. Good. Thank you. Yeah. It's perfect. Thank you. So I have my emails up at the moment. Yeah. Hang on. Just give us a minute. Let's do it. Hold up. Get my computer running. Okay. Emails are up. Yeah. That's fine. Thank you. It's Paul Anthony. 44 Benmore Court, Dayborough 4521. 1974. Yeah. So the doc is it's a sign is that the one? Just sign document? Yeah. Hang on. Alright. Yep. Yeah. I can see that. Yep. Yep. Yes. Thank you. Yep. Yep. Yep. I'm not sure. You're you're probably right. I probably just annoy you guys too much. So whatever you think is best. That's fine. No. No. It's fine. Yeah. That's fine. Okay. Cool. Yeah. That's right. Just having trouble accessing it at the moment. So yep. Yep. No problem. Alright. Not a problem. Thank you very much for your time. You too. 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Paul Card. Yeah. Good. Thank you.\n\nYeah. It's perfect. Thank you. So I have my emails up at the moment. Yeah.\n\nHang on. Just give us a minute. Let's do it. Hold up. Get my computer running.\n\nOkay. Emails are up. Yeah. That's fine. Thank you.\n\nIt's Paul Anthony. 44 Benmore Court, Dayborough 4521. 1974. Yeah. So the doc is it's a sign is that the one?\n\nJust sign document? Yeah. Hang on. Alright. Yep.\n\nYeah. I can see that. Yep. Yep. Yes.\n\nThank you. Yep. Yep. Yep. I'm not sure.\n\nYou're you're probably right. I probably just annoy you guys too much. So whatever you think is best. That's fine. No.\n\nNo. It's fine. Yeah. That's fine. Okay.\n\nCool. Yeah. That's right. Just having trouble accessing it at the moment. So yep.\n\nYep. No problem. Alright. Not a problem. Thank you very much for your time.\n\nYou too. 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Paul Card.\n\nChannel 0: Hi, Paul. It's Dana from OQ Financial. How are you today?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: That's good. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. It's perfect. Thank you.\n\nChannel 0: Yeah. That's okay. Do you have access to your emails at the moment?\n\nChannel 1: So I have my emails up at the moment.\n\nChannel 0: Yeah. Do you have access to them? If you don't, that's absolutely fine. This is sometimes it's easier if I send it through to you, and you can see the document while\n\nChannel 1: Yeah.\n\nChannel 0: we're going through it.\n\nChannel 1: Hang on. Just give us a\n\nChannel 0: Yeah. You're right.\n\nChannel 1: minute. Let's do it. Hold up. Get my computer running. Okay.\n\nEmails are up.\n\nChannel 0: Yep. Beautiful. Lovely. I'm gonna send this one through to you there. Once it comes through, if you can just open it up for me.\n\nBefore we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine. Thank you.\n\nChannel 0: Beautiful. And I'll do security there with you as well just to confirm your full name, your date of birth, and address I should have on file just because we are discussing your personal information.\n\nChannel 1: It's Paul Anthony. 44 Benmore Court, Dayborough 4521. 1974.\n\nChannel 0: Yep. Beautiful. Thank you so much for that. Now I've emailed that document through to you. Hopefully,\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: So\n\nChannel 0: pops through\n\nChannel 1: the\n\nChannel 0: fairly\n\nChannel 1: doc\n\nChannel 0: quickly\n\nChannel 1: is it's\n\nChannel 0: there\n\nChannel 1: a sign\n\nChannel 0: for you.\n\nChannel 1: is that the one? Just sign document?\n\nChannel 0: Yep. Yep. That's the one. So if you just press on the button, it'll allow you to go through so you can see the document there. I'll not ask you to sign anything you haven't read.\n\nYou'll get a chance to go back and have a really good read of the document as well before deciding whether you take on the advice. To make this easier for you, it is mostly about the investments which looking at, you know, how we can alter your investments, removing anything that's been underperforming there. On the first page, you'll see that it's being prepared for yourself with the date of the 04/07/2026. Our advice is valid for six days from the date on the document there. And on the bottom there, just learning that my registration number with ASDIC is 1304394.\n\nOkay? We scoped in areas of superannuation there, and to make this a bit easier for you, if I can just get you to scroll through the documents there for me just down to page number twenty one and twenty two. This is essentially showing you the major the part of the recommendations that we're making for you.\n\nChannel 1: Yeah. Hang on. Alright. Yep.\n\nChannel 0: Beautiful. Now with this one here, we are already making recommendation with regard to your super in hub twenty four that we do complete an investment switch there. So we've gone back and have had a really good look at the investments. As we discussed last time, Bennelong has been underperforming a bit there, so we are gonna remove that completely, doing a full sell down of your Bennelong Australian Equities investment. But we're also gonna do a bit of a rebalance and maneuver some of the other investments that probably aren't performing as well.\n\nOne of the things you said that you wanted to look at was having a bit more exposure to, say, lithium, metals, and things like that. So we are keeping the ACDC, the battery, and lithium tech there, but just, you know, rebalancing down to about 5%. So it would sell some of that and reduce it down. We're also keeping the physical gold in there, but just rebalancing it back a little bit. Obviously, gold's done quite well in your portfolio, so cementing some of the gains and having them reinvested does help with the compounding effect.\n\nWe're getting rid of the Ben and Long Australian Equities credit there because it has been underperforming, and we're replacing that with the a 200, which is at the very bottom of that page. So no. My apologies. It is on the next page down. The beta says a 200 investment there.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: I can see\n\nChannel 0: So\n\nChannel 1: that.\n\nChannel 0: that is\n\nChannel 1: Yep.\n\nChannel 0: yeah. That is still giving you access into the top 200 companies on the ASX. With the Benelong Australian Equities investment, that was more of an actively managed component there. But, unfortunately, in recent months, they haven't been able to do their job. They've had some issues with the underlying investments there.\n\nSo we're actually replacing that with more of a cheaper option. The a 200 is more of a passively managed fund. It just tracks the top 200 companies on the ASX, and it does also reduce your costs as well and investment fees. It's cheaper to have a passively managed fund than it is to have active managers in your portfolio. Okay?\n\nYou'll see the bank hybrids there. We are also removing that. Now bank hybrids as an investment is about to be phased out, so we are removing that whilst we're making these changes. It's easy to do it now, so we are utilizing and offsetting any gains that have been received by any losses that have already been received. Otherwise, down the track, we're gonna have to make that call and cement the losses or gains down the track.\n\nIt kinda works that easy enough to do it all at one. The cybersecurity we are keeping, it is has been a little bit of ups and downs recently, but it is still a good investment to have in there. Cybersecurity and globally is giving you diversification in your portfolio. So we're just gonna rebalance it back to about 5% for you. We are keeping the core composite bonds.\n\nWe're just gonna rebalance it back. So you've got about need about 9% in there. You're in a great portfolio, so it's about eighty twenty sort of split with this one. So having some core composite bonds is expensive in nature. It's also good for income producing because they're holding two sort of funds, making sure we have income producing funds does help for income and compounding effect moving forward.\n\nAnd we're also removing the bank hybrids there, so replacing that with the core composite bonds. And also on the next page, you'll see the iShield yield plus iShares yield plus. That's another sort of high high income producing investment, and it's also used as a bit more of a defensive investment for you as well. So we're having those two in there to replace the bank hybrids that we're removing for you. Okay?\n\nWe're keeping the S and P 500 just rebalancing it back. Obviously, with what's happening in The US and Iran and the world generally, it has taken a bit of a hit. However, The US is still an important place to be invested. Unfortunately, in Australia, we follow what happens with The US, and US equity still over the longer term provide and do provide great returns. So we are looking to keep that there.\n\nWe're just gonna sort of rebalance it back for you a little bit as well. We are getting rid of the Van x property. Just removing that completely, we don't see any point in having that in that property has taken a bit of a setback. A lot of the larger areas in Australia are seeing some changes to properties, so that investment is gonna be completely removed. We are also keeping the beta shares roughly a 200 to give you exposure to small and mid cap companies on the ASX.\n\nStill a good investment. Still looking at keeping that one there. We're just gonna rebalance it back for you to make sure you're not overexposed to those sorts of areas. We've also got the India quality ETF in there. So India is another good place of kind of growth within the market moving forward.\n\nSo we're gonna increase or add that into your portfolio at about 5% to buy into some of that. And then we've got some global health care as well. So, again, globally, it's global exposure is good for diversification. Health care is a very large area, has been since COVID, and we wanna add some of that into the portfolio for you as we do see a lot of growth in that area. The a 200, that's the one I explained that we are sort of replacing then along with.\n\nIt's giving you exposures to the top 200 companies on the ASX. Between the a 200 and the S and P 500, the good things about being invested in those sorts of investments are they track those individual indices. So in order for companies to be in those indices and to be in these investors, they have to meet a certain criteria. The investment committees of those indices do meet on a regular basis, generally, about once every quarter, and they assess what companies are in the indices. If companies no longer are eligible to be in the top 200 on, you know, the ASX or the top 500 on in the S and P 500, they are removed out of there and replaced with other companies.\n\nAnd then these investors, because they are tracking those indices, follow suit. So it kinda gives you a bit of leeway knowing that you're always invested in the top 200 companies with this one or the top 500 with the S and P 500 there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We've also got the JPMorgan Global Research Enhanced Equity Fund. We're adding that in there for you. This is giving you access to essentially areas that JPMorgan and their research team are feeling are providing greater growth and benefit. This one here does give you some indirect exposure into areas of, say, battery and lithium, minerals and mining exposure as well. So it's kind of increasing your exposure into those areas as well as making sure we're diversifying.\n\nDidn't really wanna make sure the portfolio only had those areas because it doesn't really give you any diversification, and they can be seen as some high risk areas. They have seen some great growth recently, but there are times those areas don't see good growth or do take large steps back. And some of the companies within those areas are seen as small to mid cap and are quite risky. So we wanted to make sure whilst we're giving you that increase of exposure that you're after, but also making it diversified and making sure that we're not overexposing you to a large sum of risk. We all love when markets go up, but we all feel a little bit nervous when they go down.\n\nAnd because your balance is increasing, essentially smaller changes or smaller dips to your balance can make you feel quite nervous. Okay? So we're adding this one in here for you and adding it at sorry. My computer is just frozen. Oh, no.\n\nWhere is it gone? My computer just lost it on me. Sorry. One second. Sorry.\n\nPaul, my computer just turned off. There we go. I lost everything. So adding in there about 10% there for you, so we'll be using some of the funds to buy into that one. And then the iShield is deal plus.\n\nSo as mentioned, you're in a growth portfolio. You do need to have some defensive investments to help with long term market fluctuations and also income producing there as well. The iShield iShares yield plus is looking at, you know, fixed interest for majority of things. It's more defensive in nature and having about 9% in your portfolio will help with that. Okay?\n\nThat's essentially with the the changeover. Now I know one of the things was the last recommendations we made. You didn't wanna make any move any funds from your ARC funds. However, as we kinda spoke about last time, I am making a recommendation that we do roll all but 10,000 in the hub 24, essentially making sure that money is continuously moved over and invested in the portfolio does help with the compounding effect. Investment markets can only work so hard, and regular contributions into investments does help with the long term compounding effect of your portfolio and takes advantage of market fluctuations when the markets are either performing well or not performing as well.\n\nWhen the market's taking a bit of a dip continuously putting money into the investments, buyers into those discounted rates, and you can see great growth when the when the funds come out and recover from those downtime. So I am making a recommendation that we do also roll some funds from the ART funds. We'll leave 10,000 in there. Your contributions still keep going in there, and every year, it's important just to keep rolling some funds between ART and Hub twenty four. The ARC fund is just sort of to keep your insurances in place.\n\nYou also wanted to keep that for a bit of a diversification in your portfolio as well, which is absolutely fine, but we just wanted to make sure our recommendations are reflective of that for you. Does that all make sense so far?\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Yeah. All good. If you go down to page number 23 there for me, you can sort of see the difference in the fee structure. So one of the things I wanted to look at was the CDT consequences because whenever we buy and sell investments within your super fund, there are taxation consequences for your super. Essentially, the CGT on this one is about $900, so your super fund would have a CGT consequence of $900 for completing the swap, the buy, sell that we are making, but it's also putting you in a better portfolio as well.\n\nSo when we looked at the previous research there and we went down and had a look, the three year rolling average on your current portfolio has showed about 9.54%. When we weigh up the rolling average of the current portfolio we're putting you in, you can see it has performed a bit better in the past. It's important to note that projections are just projections. They do depend upon market performance, and markets can change basically from day to day, from year to year. I can safely say this time last year, we never thought we'd be in the position we are this year.\n\nWe probably never also thought, you know, the we were gonna be at war with Iran at this point in time as well. So every year, things can change, and past performance is just past performance. I always suggest everyone look at projections with a grain of salt, understanding that projections are just projections based on past data. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The other thing we have here sorry. The other thing is the investment fees. So as I kinda mentioned sorry. With moving out of Bennelong and moving into the a 200, it is much more of a cheaper investment option, but making the switch as a whole actually reduces your investment cost. So by completing the switch and the rollover there, we can actually save you $801 for the year on investment fees.\n\nSo it means that you're paying less than investment fees for the investments and saving a bit of money which stays in your portfolio and can work you know, help benefit the long term compounding effect there. Okay? Contributions do continue to go into your ART super fund there for you. We'll just make sure we do reviews with you on a regular basis. Obviously, the main sort of thing is eventually being able to consolidate everything into one place.\n\nBut for now, because you wanna keep the ART fund open and the insurance is where they're located, we just wanna review both the funds, make sure they're working as hard as possible, noting that investments will go up and down. So we are gonna have times moving forward where the investments may not perform as well as they're expected and times when they might outperform where they're expected to as well. It's just the nature of investing in investment markets, unfortunately. And then insurance premiums continue to stay in the AARP fund there for you as well. They are just indicative of the unitized pricing that the fund charges for those at the moment.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: All good. The next page does sort of show you an updated projection based on the research that we've completed showing you that if the market performed the way they have over the past couple of years where you could end up over the next five, ten years between the two funds there. As I mentioned, this would always be looked at with a grain of salt projections, are those projections, and we never know how markets are gonna react. As I said, you know, we did not expect that we were gonna be in this position last year with where we are, and who knows where we're gonna end up next year or what's gonna happen in the next couple of months. So we're just sort of looking at the way investors have performed in the past and looking to see, you know, where they could end up in the future.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: I've also got in there that we are retaining the ART super fund there for you, keeping those insurances in place. As I mentioned, we just wanna keep 10,000 in place there for you. Like, your contributions going in and continuously roll money into Hub twenty four, reviewing all of this on a regular basis. So we do your annual reviews with you. I can also look to do a catch up with you in about three months if you like just to see where things are going and whether we need to make any additional changes to your portfolio.\n\nBut the updated recommendations of the portfolio do increase your access into the battery and lithium tech, into the minerals exposure, and into the mining sectors there for you as well between all those investments. It's giving you both direct and indirect investments, so it's making a little bit more diversified for you as well. And, yeah, we just wanna obviously make sure we do reviews moving forward. I can review things with you in about three months. Would that be preferable, or did you want something a little bit earlier?\n\nChannel 1: I'm not sure. You're you're probably right. I probably just annoy you guys too much. So whatever you\n\nChannel 0: No.\n\nChannel 1: think is best. That's fine.\n\nChannel 0: What what would what would you prefer? Do you want sort of three months, or did you want something a bit earlier?\n\nChannel 1: No. No. It's fine.\n\nChannel 0: Three months is okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. That's okay. Not a problem at all. I've got in there for you the advantages, the disadvantages, and the risks involved of, obviously, the recommendations there. It's completely up to you if you take on these recommendations or not.\n\nIf there's any part of the recommendations as previously that you chose not to take on board, we just get you on the very last page. You have that sort of have a line and a section where you can just leave a note, and you just need to write in there what section that you're not wanting to take on board. Okay?\n\nChannel 1: Okay. Cool.\n\nChannel 0: All good. The only last thing I just wanted to kinda point out was the balance in here is a little bit different. So I know with the hub because this document was sort of completed with the research a little while ago, We sort of spoke last time on the March 31 there. Your balance since then has increased. So the balance in the fund in Hub twenty four as per the advice document has four hundred and nine thousand one eight five.\n\nThe balance as of today's date and have 24 is $415,006.03 1. So since we last called up, we have seen a little bit of a recovery in the market, then your portfolio has increased back by about 3.33%, which is good to see. But when I have a look at the VIX index moving forward, there is more volatility to come. So we'll just keep monitoring and looking at things. Let me know if you have additional questions in there at all.\n\nAnd we'll just need to update the ARC balance as well. We weren't able to get an updated statement. So the balance net is from the last statement we were able to receive, which is from last year. So in order to complete any rollovers, we'll just need to get an updated balance from you to make sure that we've got the right figures there. Okay?\n\nChannel 1: Yeah. That's right. Just having trouble accessing it at the moment. So\n\nChannel 0: That's okay. That's alright. If it's easier, so even the screenshot, I\n\nChannel 1: yep.\n\nChannel 0: know the team asked for statements on a regular basis. But even just a screenshot, if you're able to take a quick screenshot of the balance, that even works perfectly fine. I'm happy to work with that for you because I know ART and some of the industry funds don't provide statements as regularly as you like. It's harder to sort of obtain those. But even just a screenshot there is fine.\n\nOkay.\n\nChannel 1: Yep. No problem.\n\nChannel 0: All good. All good. I'll let you go so you can have a bit of a read through that one. Let me know if you do happen to have any questions there. We've got the updated recommendations.\n\nAnd, again, if there's anything that you chose not to take on board, just make a little note on the back page there for me as well.\n\nChannel 1: Alright. Not a problem. Thank you\n\nChannel 0: Okay?\n\nChannel 1: very much for\n\nChannel 0: All\n\nChannel 1: your time.\n\nChannel 0: good. No worries, Paul. Thanks so much. You have a good day.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.02283025160431862},{"text":"Paul Card.","start":1.28,"end":2.02,"sentiment":"neutral","sentiment_score":0.023827899247407913}],"sentiment":"neutral","sentiment_score":0.023495350033044815,"channel":1,"num_words":3,"start":0.88,"end":2.02},{"sentences":[{"text":"Hi, Paul.","start":2.3999999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.16295036673545837},{"text":"It's Dana from OQ Financial.","start":2.8799999,"end":4.4,"sentiment":"neutral","sentiment_score":0.20397451519966125},{"text":"How are you today?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.23809845373034477}],"sentiment":"neutral","sentiment_score":0.20892428403550928,"channel":0,"num_words":11,"start":2.3999999,"end":5.2999997},{"sentences":[{"text":"Yeah.","start":5.44,"end":5.68,"sentiment":"neutral","sentiment_score":0.30920058488845825},{"text":"Good.","start":5.68,"end":5.92,"sentiment":"positive","sentiment_score":0.6110771298408508},{"text":"Thank you.","start":5.92,"end":6.58,"sentiment":"positive","sentiment_score":0.7079297006130219}],"sentiment":"positive","sentiment_score":0.5840342789888382,"channel":1,"num_words":4,"start":5.44,"end":6.58},{"sentences":[{"text":"That's good.","start":6.7999997,"end":7.44,"sentiment":"positive","sentiment_score":0.7371461987495422},{"text":"I had you booked in to go through your updated statement of advice.","start":7.44,"end":10.08,"sentiment":"positive","sentiment_score":0.4259888965349931},{"text":"Is now still a good time there for you?","start":10.08,"end":11.94,"sentiment":"positive","sentiment_score":0.36240007479985553}],"sentiment":"positive","sentiment_score":0.42807286356886226,"channel":0,"num_words":24,"start":6.7999997,"end":11.94},{"sentences":[{"text":"Yeah.","start":11.92,"end":12.08,"sentiment":"positive","sentiment_score":0.36037319898605347},{"text":"It's perfect.","start":12.08,"end":12.719999,"sentiment":"positive","sentiment_score":0.6194643378257751},{"text":"Thank you.","start":12.719999,"end":13.215,"sentiment":"positive","sentiment_score":0.601198673248291}],"sentiment":"positive","sentiment_score":0.5603398442268371,"channel":1,"num_words":5,"start":11.92,"end":13.215},{"sentences":[{"text":"Yeah.","start":13.295,"end":13.695001,"sentiment":"neutral","sentiment_score":0.18050768971443176},{"text":"That's okay.","start":13.695001,"end":14.435,"sentiment":"neutral","sentiment_score":0.12131830677390099},{"text":"Do you have access to your emails at the moment?","start":14.495001,"end":16.675,"sentiment":"neutral","sentiment_score":0.02395627899095416}],"sentiment":"neutral","sentiment_score":0.05097746870552118,"channel":0,"num_words":13,"start":13.295,"end":16.675},{"sentences":[{"text":"So I have my emails up at the moment.","start":17.295,"end":19.075,"sentiment":"neutral","sentiment_score":0.018828467465937138}],"sentiment":"neutral","sentiment_score":0.018828467465937138,"channel":1,"num_words":9,"start":17.295,"end":19.075},{"sentences":[{"text":"Yeah.","start":19.135,"end":19.375,"sentiment":"neutral","sentiment_score":0.024351611733436584},{"text":"Do you have access to them?","start":19.375,"end":20.415,"sentiment":"neutral","sentiment_score":0.013578043319284916},{"text":"If you don't, that's absolutely fine.","start":20.415,"end":21.935001,"sentiment":"neutral","sentiment_score":0.030695775989443064},{"text":"This is sometimes it's easier if I send it through to you, and you can see the document while","start":21.935001,"end":25.455,"sentiment":"neutral","sentiment_score":0.08733702215709184}],"sentiment":"neutral","sentiment_score":0.06091868589282967,"channel":0,"num_words":32,"start":19.135,"end":25.455},{"sentences":[{"text":"Yeah.","start":25.375,"end":25.875,"sentiment":"neutral","sentiment_score":0.029427502304315567}],"sentiment":"neutral","sentiment_score":0.029427502304315567,"channel":1,"num_words":1,"start":25.375,"end":25.875},{"sentences":[{"text":"we're going through it.","start":25.455,"end":26.595001,"sentiment":"neutral","sentiment_score":0.037640197202563286}],"sentiment":"neutral","sentiment_score":0.037640197202563286,"channel":0,"num_words":4,"start":25.455,"end":26.595001},{"sentences":[{"text":"Hang on.","start":27.85,"end":28.41,"sentiment":"neutral","sentiment_score":0.02139859087765217},{"text":"Just give us a","start":28.41,"end":29.39,"sentiment":"neutral","sentiment_score":0.0270776622928679}],"sentiment":"neutral","sentiment_score":0.02518463848779599,"channel":1,"num_words":6,"start":27.85,"end":29.39},{"sentences":[{"text":"Yeah.","start":29.79,"end":30.11,"sentiment":"neutral","sentiment_score":0.03722786903381348},{"text":"You're right.","start":30.11,"end":30.85,"sentiment":"neutral","sentiment_score":0.05618804320693016}],"sentiment":"neutral","sentiment_score":0.0498679851492246,"channel":0,"num_words":3,"start":29.79,"end":30.85},{"sentences":[{"text":"minute.","start":30.97,"end":31.47,"sentiment":"neutral","sentiment_score":0.03623682260513306},{"text":"Let's do it.","start":32.01,"end":32.89,"sentiment":"neutral","sentiment_score":0.03301535298426946},{"text":"Hold up.","start":32.89,"end":33.61,"sentiment":"neutral","sentiment_score":0.014834100846201181},{"text":"Get my computer running.","start":33.61,"end":35.07,"sentiment":"neutral","sentiment_score":0.025315103586763144},{"text":"Okay.","start":54.51,"end":55.01,"sentiment":"neutral","sentiment_score":0.05764374136924744}],"sentiment":"neutral","sentiment_score":0.02944138536060398,"channel":1,"num_words":11,"start":30.97,"end":55.01},{"sentences":[{"text":"Emails are up.","start":55.07,"end":56.05,"sentiment":"neutral","sentiment_score":0.06062719225883484}],"sentiment":"neutral","sentiment_score":0.06062719225883484,"channel":1,"num_words":3,"start":55.07,"end":56.05},{"sentences":[{"text":"Yep.","start":56.22,"end":56.620003,"sentiment":"neutral","sentiment_score":0.16985416412353516},{"text":"Beautiful.","start":56.620003,"end":57.120003,"sentiment":"positive","sentiment_score":0.5333616733551025},{"text":"Lovely.","start":57.18,"end":57.58,"sentiment":"positive","sentiment_score":0.5613278746604919},{"text":"I'm gonna send this one through to you there.","start":57.58,"end":59.6,"sentiment":"neutral","sentiment_score":0.33252395192782086},{"text":"Once it comes through, if you can just open it up for me.","start":59.9,"end":62.3,"sentiment":"neutral","sentiment_score":0.2501537169401462}],"sentiment":"neutral","sentiment_score":0.3003703039884567,"channel":0,"num_words":25,"start":56.22,"end":62.3},{"sentences":[{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":62.3,"end":66.425,"sentiment":"neutral","sentiment_score":0.1541840075736954},{"text":"Are you happy for me to proceed with that?","start":66.485,"end":68.345,"sentiment":"neutral","sentiment_score":0.2073967440260781}],"sentiment":"neutral","sentiment_score":0.1701478285094102,"channel":0,"num_words":30,"start":62.3,"end":68.345},{"sentences":[{"text":"Yeah.","start":68.43,"end":68.67,"sentiment":"neutral","sentiment_score":0.11978022754192352},{"text":"That's 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well.","start":377.61502,"end":380.995,"sentiment":"neutral","sentiment_score":0.048585242281357445},{"text":"We are getting rid of the Van x property.","start":382.495,"end":384.755,"sentiment":"neutral","sentiment_score":-0.178462200694614},{"text":"Just removing that completely, we don't see any point in having that in that property has taken a bit of a setback.","start":384.975,"end":390.275,"sentiment":"neutral","sentiment_score":-0.27893554216081445},{"text":"A lot of the larger areas in Australia are seeing some changes to properties, so that investment is gonna be completely removed.","start":390.46,"end":397.19998,"sentiment":"neutral","sentiment_score":-0.18752868405797266},{"text":"We are also keeping the beta shares roughly a 200 to give you exposure to small and mid cap companies on the ASX.","start":398.3,"end":405.19998,"sentiment":"neutral","sentiment_score":0.027296617789113003}],"sentiment":"neutral","sentiment_score":-0.11551397735928441,"channel":0,"num_words":91,"start":377.61502,"end":405.19998},{"sentences":[{"text":"Still a good investment.","start":405.935,"end":407.055,"sentiment":"positive","sentiment_score":0.3790002912282944},{"text":"Still looking at keeping that one there.","start":407.055,"end":408.815,"sentiment":"neutral","sentiment_score":0.19688870651381357},{"text":"We're just gonna rebalance it back for you to make sure you're not overexposed to those sorts of areas.","start":408.815,"end":413.395,"sentiment":"neutral","sentiment_score":0.1692590064516193},{"text":"We've also got the India quality ETF in there.","start":414.415,"end":417.215,"sentiment":"neutral","sentiment_score":0.2470989227294922},{"text":"So India is another good place of kind of growth within the market moving forward.","start":417.215,"end":421.41998,"sentiment":"positive","sentiment_score":0.3982105811436971}],"sentiment":"neutral","sentiment_score":0.264948004718732,"channel":0,"num_words":54,"start":405.935,"end":421.41998},{"sentences":[{"text":"So we're gonna increase or add that into your portfolio at about 5% to buy into some of that.","start":421.41998,"end":426.87997,"sentiment":"positive","sentiment_score":0.3344262618767588},{"text":"And then we've got some global health care as well.","start":427.18,"end":429.5,"sentiment":"neutral","sentiment_score":0.19274175614118577},{"text":"So, again, globally, it's global exposure is good for diversification.","start":429.5,"end":432.8,"sentiment":"positive","sentiment_score":0.5230064660310745},{"text":"Health care is a very large area, has been since COVID, and we wanna add some of that into the portfolio for you as we do see a lot of growth in that area.","start":433.47498,"end":441.01498,"sentiment":"positive","sentiment_score":0.41678883968030705},{"text":"The a 200, that's the one I explained that we are sort of replacing then along with.","start":442.91498,"end":447.335,"sentiment":"neutral","sentiment_score":0.07318063759628464}],"sentiment":"neutral","sentiment_score":0.32140525095164774,"channel":0,"num_words":90,"start":421.41998,"end":447.335},{"sentences":[{"text":"It's giving you exposures to the top 200 companies on the ASX.","start":447.47498,"end":450.78,"sentiment":"neutral","sentiment_score":0.141689113030831},{"text":"Between the a 200 and the S and P 500, the good things about being invested in those sorts of investments are they track those individual indices.","start":451.48,"end":459.42,"sentiment":"neutral","sentiment_score":0.28877536676548143},{"text":"So in order for companies to be in those indices and to be in these investors, they have to meet a certain criteria.","start":460.04,"end":466.205,"sentiment":"neutral","sentiment_score":0.11602561791305957},{"text":"The investment committees of those indices do meet on a regular basis, generally, about once every quarter, and they assess what companies are in the indices.","start":466.745,"end":475.085,"sentiment":"neutral","sentiment_score":0.09511277194206531},{"text":"If companies no longer are eligible to be in the top 200 on, you know, the ASX or the top 500 on in the S and P 500, they are removed out of there and replaced with other companies.","start":475.53,"end":486.43,"sentiment":"neutral","sentiment_score":-0.0328068977747208}],"sentiment":"neutral","sentiment_score":0.10519099628596794,"channel":0,"num_words":127,"start":447.47498,"end":486.43},{"sentences":[{"text":"And then these investors, because they are tracking those indices, follow suit.","start":486.73,"end":490.575,"sentiment":"neutral","sentiment_score":0.17328872034947077},{"text":"So it kinda gives you a bit of leeway knowing that you're always invested in the top 200 companies with this one or the top 500 with the S and P 500 there as well.","start":490.815,"end":499.45502,"sentiment":"neutral","sentiment_score":0.27032487818173},{"text":"Okay?","start":499.45502,"end":499.95502,"sentiment":"neutral","sentiment_score":0.12371460348367692}],"sentiment":"neutral","sentiment_score":0.24301145800078908,"channel":0,"num_words":48,"start":486.73,"end":499.95502},{"sentences":[{"text":"Yep.","start":501.94,"end":502.44,"sentiment":"neutral","sentiment_score":0.16889165341854095}],"sentiment":"neutral","sentiment_score":0.16889165341854095,"channel":1,"num_words":1,"start":501.94,"end":502.44},{"sentences":[{"text":"We've also got the JPMorgan Global Research Enhanced Equity Fund.","start":502.17502,"end":505.96,"sentiment":"neutral","sentiment_score":0.26041882783174514},{"text":"We're adding that in there for you.","start":505.96,"end":507.48,"sentiment":"neutral","sentiment_score":0.29979478887149263},{"text":"This is giving you access to essentially areas that JPMorgan and their research team are feeling are providing greater growth and benefit.","start":507.48,"end":515.82,"sentiment":"positive","sentiment_score":0.4741684984077107},{"text":"This one here does give you some indirect exposure into areas of, say, battery and lithium, minerals and mining exposure as well.","start":516.6,"end":523.835,"sentiment":"neutral","sentiment_score":0.15988358922980048},{"text":"So it's kind of increasing your exposure into those areas as well as making sure we're diversifying.","start":523.835,"end":528.815,"sentiment":"positive","sentiment_score":0.38724395983359394}],"sentiment":"neutral","sentiment_score":0.32352621853351593,"channel":0,"num_words":78,"start":502.17502,"end":528.815},{"sentences":[{"text":"Didn't really wanna make sure the portfolio only had those areas because it doesn't really give you any diversification, and they can be seen as some high risk areas.","start":529.435,"end":537.35004,"sentiment":"negative","sentiment_score":-0.33697384493104343},{"text":"They have seen some great growth recently, but there are times those areas don't see good growth or do take large steps back.","start":537.65,"end":544.69,"sentiment":"neutral","sentiment_score":-0.30384390930766647},{"text":"And some of the companies within those areas are seen as small to mid cap and are quite risky.","start":544.69,"end":549.41003,"sentiment":"neutral","sentiment_score":-0.2829264994514616},{"text":"So we wanted to make sure whilst we're giving you that increase of exposure that you're after, but also making it diversified and making sure that we're not overexposing you to a large sum of risk.","start":549.41003,"end":559.885,"sentiment":"neutral","sentiment_score":-0.028221048621667758},{"text":"We all love when markets go up, but we all feel a little bit nervous when they go down.","start":560.185,"end":563.865,"sentiment":"neutral","sentiment_score":-0.19556627579425512}],"sentiment":"neutral","sentiment_score":-0.2132378721994067,"channel":0,"num_words":126,"start":529.435,"end":563.865},{"sentences":[{"text":"And because your balance is increasing, essentially smaller changes or smaller dips to your balance can make you feel quite nervous.","start":563.865,"end":571.17,"sentiment":"negative","sentiment_score":-0.37820932552928016},{"text":"Okay?","start":571.39,"end":571.89,"sentiment":"neutral","sentiment_score":-0.0779770165681839},{"text":"So we're adding this one in here for you and adding it at sorry.","start":573.79,"end":577.70996,"sentiment":"neutral","sentiment_score":0.03309994170974408},{"text":"My computer is just frozen.","start":577.70996,"end":579.08997,"sentiment":"negative","sentiment_score":-0.555945998430252},{"text":"Oh, no.","start":580.40497,"end":580.88495,"sentiment":"negative","sentiment_score":-0.37576115131378174}],"sentiment":"neutral","sentiment_score":-0.25786572008198777,"channel":0,"num_words":43,"start":563.865,"end":580.88495},{"sentences":[{"text":"Where is it gone?","start":580.88495,"end":581.865,"sentiment":"negative","sentiment_score":-0.3824743926525116},{"text":"My computer just lost it on me.","start":582.88495,"end":584.88495,"sentiment":"negative","sentiment_score":-0.5998786773000445},{"text":"Sorry.","start":584.88495,"end":585.285,"sentiment":"neutral","sentiment_score":-0.2641095817089081},{"text":"One second.","start":585.285,"end":586.105,"sentiment":"neutral","sentiment_score":-0.19486573338508606},{"text":"Sorry.","start":590.00494,"end":590.32495,"sentiment":"neutral","sentiment_score":-0.1879129558801651}],"sentiment":"negative","sentiment_score":-0.43805348773797353,"channel":0,"num_words":15,"start":580.88495,"end":590.32495},{"sentences":[{"text":"Paul, my computer just turned off.","start":590.32495,"end":592.08496,"sentiment":"neutral","sentiment_score":-0.33242681125799817},{"text":"There we go.","start":592.08496,"end":592.985,"sentiment":"neutral","sentiment_score":-0.19183972974618277},{"text":"I lost everything.","start":594.165,"end":595.14496,"sentiment":"neutral","sentiment_score":-0.26677216092745465},{"text":"So adding in there about 10% there for you, so we'll be using some of the funds to buy into that one.","start":595.74,"end":601.10004,"sentiment":"neutral","sentiment_score":0.14882886037230492},{"text":"And then the iShield is deal plus.","start":601.10004,"end":603.10004,"sentiment":"neutral","sentiment_score":0.17003219042505538}],"sentiment":"neutral","sentiment_score":0.026684481014565723,"channel":0,"num_words":41,"start":590.32495,"end":603.10004},{"sentences":[{"text":"So as mentioned, you're in a growth portfolio.","start":603.10004,"end":605.02,"sentiment":"neutral","sentiment_score":0.19702592492103577},{"text":"You do need to have some defensive investments to help with long term market fluctuations and also income producing there as well.","start":605.02,"end":611.875,"sentiment":"neutral","sentiment_score":0.2583450437946753},{"text":"The iShield iShares yield plus is looking at, you know, fixed interest for majority of things.","start":611.875,"end":617.875,"sentiment":"neutral","sentiment_score":0.224340352229774},{"text":"It's more defensive in nature and having about 9% in your portfolio will help with that.","start":617.875,"end":622.295,"sentiment":"neutral","sentiment_score":0.28099866211414337},{"text":"Okay?","start":622.355,"end":622.855,"sentiment":"neutral","sentiment_score":0.14284531772136688}],"sentiment":"neutral","sentiment_score":0.24584234777897124,"channel":0,"num_words":63,"start":603.10004,"end":622.855},{"sentences":[{"text":"That's essentially with the the changeover.","start":624.25,"end":626.51,"sentiment":"neutral","sentiment_score":0.14771803468465805},{"text":"Now I know one of the things was the last recommendations we made.","start":626.97003,"end":630.01,"sentiment":"neutral","sentiment_score":0.13444978514542946},{"text":"You didn't wanna make any move any funds from your ARC funds.","start":630.01,"end":633.63,"sentiment":"neutral","sentiment_score":-0.019772641981641453},{"text":"However, as we kinda spoke about last time, I am making a recommendation that we do roll all but 10,000 in the hub 24, essentially making sure that money is continuously moved over and invested in the portfolio does help with the compounding effect.","start":634.01,"end":648.315,"sentiment":"neutral","sentiment_score":0.24791005067527294},{"text":"Investment markets can only work so hard, and regular contributions into investments does help with the long term compounding effect of your portfolio and takes advantage of market fluctuations when the markets are either performing well or not performing as well.","start":648.63,"end":663.15497,"sentiment":"neutral","sentiment_score":0.24932100869170049}],"sentiment":"neutral","sentiment_score":0.20281971808009105,"channel":0,"num_words":116,"start":624.25,"end":663.15497},{"sentences":[{"text":"When the market's taking a bit of a dip continuously putting money into the investments, buyers into those discounted rates, and you can see great growth when the when the funds come out and recover from those downtime.","start":663.15497,"end":674.135,"sentiment":"neutral","sentiment_score":0.1947982633780492},{"text":"So I am making a recommendation that we do also roll some funds from the ART funds.","start":674.275,"end":679.44995,"sentiment":"neutral","sentiment_score":0.26299528251675997},{"text":"We'll leave 10,000 in there.","start":679.75,"end":681.43,"sentiment":"neutral","sentiment_score":0.2894004911184311},{"text":"Your contributions still keep going in there, and every year, it's important just to keep rolling some funds between ART and Hub twenty four.","start":681.43,"end":688.635,"sentiment":"positive","sentiment_score":0.35900190224250156},{"text":"The ARC fund is just sort of to keep your insurances in place.","start":688.955,"end":693.055,"sentiment":"positive","sentiment_score":0.4064154647863828}],"sentiment":"neutral","sentiment_score":0.2806154944617109,"channel":0,"num_words":97,"start":663.15497,"end":693.055},{"sentences":[{"text":"You also wanted to keep that for a bit of a diversification in your portfolio as well, which is absolutely fine, but we just wanted to make sure our recommendations are reflective of that for you.","start":693.115,"end":702.155,"sentiment":"positive","sentiment_score":0.44649990234110093},{"text":"Does that all make sense so far?","start":702.155,"end":703.855,"sentiment":"neutral","sentiment_score":0.19177895997251784}],"sentiment":"positive","sentiment_score":0.4050337024206339,"channel":0,"num_words":43,"start":693.115,"end":703.855},{"sentences":[{"text":"Yes.","start":704.175,"end":704.415,"sentiment":"positive","sentiment_score":0.37094491720199585},{"text":"Thank you.","start":704.415,"end":705.15497,"sentiment":"positive","sentiment_score":0.5856330990791321}],"sentiment":"positive","sentiment_score":0.5140703717867533,"channel":1,"num_words":3,"start":704.175,"end":705.15497},{"sentences":[{"text":"Yeah.","start":705.45996,"end":705.77997,"sentiment":"positive","sentiment_score":0.3592962622642517},{"text":"All good.","start":705.77997,"end":706.51996,"sentiment":"positive","sentiment_score":0.4724555015563965},{"text":"If you go down to page number 23 there for me, you can sort of see the difference in the fee structure.","start":707.3,"end":712.01996,"sentiment":"neutral","sentiment_score":0.06625083766200325},{"text":"So one of the things I wanted to look at was the CDT consequences because whenever we buy and sell investments within your super fund, there are taxation consequences for your super.","start":712.01996,"end":721.775,"sentiment":"neutral","sentiment_score":0.024169218027964234},{"text":"Essentially, the CGT on this one is about $900, so your super fund would have a CGT consequence of $900 for completing the swap, the buy, sell that we are making, but it's also putting you in a better portfolio as well.","start":722.47504,"end":737.06,"sentiment":"neutral","sentiment_score":0.23015345287110126}],"sentiment":"neutral","sentiment_score":0.13334935041840631,"channel":0,"num_words":99,"start":705.45996,"end":737.06},{"sentences":[{"text":"So when we looked at the previous research there and we went down and had a look, the three year rolling average on your current portfolio has showed about 9.54%.","start":737.2,"end":746.33997,"sentiment":"neutral","sentiment_score":0.05576028960446517},{"text":"When we weigh up the rolling average of the current portfolio we're putting you in, you can see it has performed a bit better in the past.","start":746.645,"end":753.305,"sentiment":"neutral","sentiment_score":0.23169059692709534},{"text":"It's important to note that projections are just projections.","start":753.605,"end":756.565,"sentiment":"neutral","sentiment_score":-0.06423125167687734},{"text":"They do depend upon market performance, and markets can change basically from day to day, from year to year.","start":756.565,"end":763.07,"sentiment":"neutral","sentiment_score":-0.08595877630930197},{"text":"I can safely say this time last year, we never thought we'd be in the position we are this year.","start":763.13,"end":767.95,"sentiment":"neutral","sentiment_score":-0.10098653305321932}],"sentiment":"neutral","sentiment_score":0.035213582182214376,"channel":0,"num_words":105,"start":737.2,"end":767.95},{"sentences":[{"text":"We probably never also thought, you know, the we were gonna be at war with Iran at this point in time as well.","start":768.17,"end":773.29,"sentiment":"neutral","sentiment_score":-0.24835080815398175},{"text":"So every year, things can change, and past performance is just past performance.","start":773.29,"end":778.505,"sentiment":"neutral","sentiment_score":-0.11893667108737506},{"text":"I always suggest everyone look at projections with a grain of salt, understanding that projections are just projections based on past data.","start":778.505,"end":785.805,"sentiment":"neutral","sentiment_score":0.06838158374144272},{"text":"Okay?","start":785.945,"end":786.445,"sentiment":"neutral","sentiment_score":0.05505361407995224}],"sentiment":"neutral","sentiment_score":-0.09658977720823328,"channel":0,"num_words":59,"start":768.17,"end":786.445},{"sentences":[{"text":"Yep.","start":788.085,"end":788.585,"sentiment":"neutral","sentiment_score":0.06921790540218353}],"sentiment":"neutral","sentiment_score":0.06921790540218353,"channel":1,"num_words":1,"start":788.085,"end":788.585},{"sentences":[{"text":"The other thing we have here sorry.","start":788.57,"end":790.59,"sentiment":"neutral","sentiment_score":-0.00851982831954956},{"text":"The other thing is the investment fees.","start":790.89,"end":792.73,"sentiment":"neutral","sentiment_score":-0.05330879507320268},{"text":"So as I kinda mentioned sorry.","start":792.73,"end":794.99,"sentiment":"neutral","sentiment_score":0.10976482679446538},{"text":"With moving out of Bennelong and moving into the a 200, it is much more of a cheaper investment option, but making the switch as a whole actually reduces your investment cost.","start":796.17,"end":805.83496,"sentiment":"positive","sentiment_score":0.3335870811715722},{"text":"So by completing the switch and the rollover there, we can actually save you $801 for the year on investment fees.","start":806.295,"end":815.07,"sentiment":"positive","sentiment_score":0.6832438423520043}],"sentiment":"positive","sentiment_score":0.34587254635479353,"channel":0,"num_words":73,"start":788.57,"end":815.07},{"sentences":[{"text":"So it means that you're paying less than investment fees for the investments and saving a bit of money which stays in your portfolio and can work you know, help benefit the long term compounding effect there.","start":815.07,"end":825.63,"sentiment":"positive","sentiment_score":0.7354621420035491},{"text":"Okay?","start":825.63,"end":826.13,"sentiment":"neutral","sentiment_score":0.2817705571651459},{"text":"Contributions do continue to go into your ART super fund there for you.","start":828.92505,"end":833.245,"sentiment":"positive","sentiment_score":0.333883347419592},{"text":"We'll just make sure we do reviews with you on a regular basis.","start":833.245,"end":835.98505,"sentiment":"neutral","sentiment_score":0.15111539226311904},{"text":"Obviously, the main sort of thing is eventually being able to consolidate everything into one place.","start":836.685,"end":841.2,"sentiment":"neutral","sentiment_score":0.15916306572034955}],"sentiment":"positive","sentiment_score":0.45431828098371624,"channel":0,"num_words":80,"start":815.07,"end":841.2},{"sentences":[{"text":"But for now, because you wanna keep the ART fund open and the insurance is where they're located, we just wanna review both the funds, make sure they're working as hard as possible, noting that investments will go up and down.","start":841.44,"end":852.0,"sentiment":"neutral","sentiment_score":0.05157769653128415},{"text":"So we are gonna have times moving forward where the investments may not perform as well as they're expected and times when they might outperform where they're expected to as well.","start":852.0,"end":860.785,"sentiment":"neutral","sentiment_score":-0.14662138751197246},{"text":"It's just the nature of investing in investment markets, unfortunately.","start":860.785,"end":863.845,"sentiment":"neutral","sentiment_score":-0.20605283826589585},{"text":"And then insurance premiums continue to stay in the AARP fund there for you as well.","start":865.185,"end":870.06,"sentiment":"neutral","sentiment_score":-0.09101932076737285},{"text":"They are just indicative of the unitized pricing that the fund charges for those at the moment.","start":870.3,"end":875.6,"sentiment":"neutral","sentiment_score":-0.06194911393172601}],"sentiment":"neutral","sentiment_score":-0.06087434701621532,"channel":0,"num_words":115,"start":841.44,"end":875.6},{"sentences":[{"text":"Okay?","start":875.98,"end":876.48,"sentiment":"neutral","sentiment_score":0.02257494814693928}],"sentiment":"neutral","sentiment_score":0.02257494814693928,"channel":0,"num_words":1,"start":875.98,"end":876.48},{"sentences":[{"text":"Yep.","start":877.265,"end":877.765,"sentiment":"neutral","sentiment_score":0.09914179891347884}],"sentiment":"neutral","sentiment_score":0.09914179891347884,"channel":1,"num_words":1,"start":877.265,"end":877.765},{"sentences":[{"text":"All good.","start":878.46,"end":879.2,"sentiment":"neutral","sentiment_score":0.3156141936779022},{"text":"The next page does sort of show you an updated projection based on the research that we've completed showing you that if the market performed the way they have over the past couple of years where you could end up over the next five, ten years between the two funds there.","start":879.66,"end":892.875,"sentiment":"neutral","sentiment_score":0.0561770218260148},{"text":"As I mentioned, this would always be looked at with a grain of salt projections, are those projections, and we never know how markets are gonna react.","start":893.175,"end":899.61,"sentiment":"neutral","sentiment_score":-0.02156102648694758},{"text":"As I said, you know, we did not expect that we were gonna be in this position last year with where we are, and who knows where we're gonna end up next year or what's gonna happen in the next couple of months.","start":900.17,"end":909.85,"sentiment":"neutral","sentiment_score":-0.014873477868562522},{"text":"So we're just sort of looking at the way investors have performed in the past and looking to see, you know, where they could end up in the future.","start":909.85,"end":917.025,"sentiment":"neutral","sentiment_score":0.17189525864247618}],"sentiment":"neutral","sentiment_score":0.0477599456422276,"channel":0,"num_words":152,"start":878.46,"end":917.025},{"sentences":[{"text":"Okay?","start":917.485,"end":917.985,"sentiment":"neutral","sentiment_score":0.16246739029884338}],"sentiment":"neutral","sentiment_score":0.16246739029884338,"channel":0,"num_words":1,"start":917.485,"end":917.985},{"sentences":[{"text":"Yep.","start":918.8,"end":919.3,"sentiment":"neutral","sentiment_score":0.2420639991760254}],"sentiment":"neutral","sentiment_score":0.2420639991760254,"channel":1,"num_words":1,"start":918.8,"end":919.3},{"sentences":[{"text":"I've also got in there that we are retaining the ART super fund there for you, keeping those insurances in place.","start":919.965,"end":925.245,"sentiment":"neutral","sentiment_score":0.29653122311546687},{"text":"As I mentioned, we just wanna keep 10,000 in place there for you.","start":925.245,"end":928.74,"sentiment":"neutral","sentiment_score":0.33187011113533604},{"text":"Like, your contributions going in and continuously roll money into Hub twenty four, reviewing all of this on a regular basis.","start":928.82,"end":935.22,"sentiment":"neutral","sentiment_score":0.27365849699292866},{"text":"So we do your annual reviews with you.","start":935.22,"end":936.82,"sentiment":"neutral","sentiment_score":0.29734022356569767},{"text":"I can also look to do a catch up with you in about three months if you like just to see where things are going and whether we need to make any additional changes to your portfolio.","start":936.82,"end":944.685,"sentiment":"neutral","sentiment_score":0.23780633106425003}],"sentiment":"neutral","sentiment_score":0.27465851604938507,"channel":0,"num_words":100,"start":919.965,"end":944.685},{"sentences":[{"text":"But the updated recommendations of the portfolio do increase your access into the battery and lithium tech, into the minerals exposure, and into the mining sectors there for you as well between all those investments.","start":945.385,"end":956.205,"sentiment":"positive","sentiment_score":0.41559871860912867},{"text":"It's giving you both direct and indirect investments, so it's making a little bit more diversified for you as well.","start":956.83,"end":962.77,"sentiment":"positive","sentiment_score":0.5098393648862839},{"text":"And, yeah, we just wanna obviously make sure we do reviews moving forward.","start":963.14996,"end":966.61,"sentiment":"neutral","sentiment_score":0.22562254850681013},{"text":"I can review things with you in about three months.","start":966.99,"end":969.375,"sentiment":"neutral","sentiment_score":0.1353183887898922},{"text":"Would that be preferable, or did you want something a little bit earlier?","start":969.375,"end":972.67505,"sentiment":"neutral","sentiment_score":0.020863363805871744}],"sentiment":"neutral","sentiment_score":0.321980694472626,"channel":0,"num_words":91,"start":945.385,"end":972.67505},{"sentences":[{"text":"I'm not sure.","start":974.165,"end":975.05,"sentiment":"neutral","sentiment_score":-0.16804716984430948},{"text":"You're you're probably right.","start":975.75,"end":976.79,"sentiment":"negative","sentiment_score":-0.3583865538239479},{"text":"I probably just annoy you guys too much.","start":976.79,"end":978.63,"sentiment":"negative","sentiment_score":-0.5922526195645332},{"text":"So whatever you","start":978.63,"end":979.43,"sentiment":"neutral","sentiment_score":-0.1496408854921659}],"sentiment":"negative","sentiment_score":-0.39581285210119355,"channel":1,"num_words":18,"start":974.165,"end":979.43},{"sentences":[{"text":"No.","start":979.375,"end":979.875,"sentiment":"neutral","sentiment_score":-0.25769850611686707}],"sentiment":"neutral","sentiment_score":-0.25769850611686707,"channel":0,"num_words":1,"start":979.375,"end":979.875},{"sentences":[{"text":"think is best.","start":979.43,"end":980.33,"sentiment":"neutral","sentiment_score":-0.20205244421958923},{"text":"That's fine.","start":980.70996,"end":981.45,"sentiment":"neutral","sentiment_score":-0.037491485476493835}],"sentiment":"neutral","sentiment_score":-0.13622806072235108,"channel":1,"num_words":5,"start":979.43,"end":981.45},{"sentences":[{"text":"What what would what would you prefer?","start":981.07,"end":983.23,"sentiment":"neutral","sentiment_score":-0.045364578387566974},{"text":"Do you want sort of three months, or did you want something a bit earlier?","start":983.23,"end":986.52997,"sentiment":"neutral","sentiment_score":-0.04815912221868833}],"sentiment":"neutral","sentiment_score":-0.04726994918151335,"channel":0,"num_words":22,"start":981.07,"end":986.52997},{"sentences":[{"text":"No.","start":987.26996,"end":987.58997,"sentiment":"neutral","sentiment_score":-0.08043204247951508},{"text":"No.","start":987.58997,"end":987.83,"sentiment":"neutral","sentiment_score":-0.08086397498846054},{"text":"It's fine.","start":987.83,"end":988.455,"sentiment":"neutral","sentiment_score":0.01505545829422772}],"sentiment":"neutral","sentiment_score":-0.032796275219880044,"channel":1,"num_words":4,"start":987.26996,"end":988.455},{"sentences":[{"text":"Three months is okay?","start":989.23,"end":990.52997,"sentiment":"neutral","sentiment_score":0.04539058543741703}],"sentiment":"neutral","sentiment_score":0.04539058543741703,"channel":0,"num_words":4,"start":989.23,"end":990.52997},{"sentences":[{"text":"Yeah.","start":991.015,"end":991.255,"sentiment":"neutral","sentiment_score":0.12381742894649506},{"text":"That's fine.","start":991.255,"end":992.075,"sentiment":"neutral","sentiment_score":0.22207307815551758}],"sentiment":"neutral","sentiment_score":0.1893211950858434,"channel":1,"num_words":3,"start":991.015,"end":992.075},{"sentences":[{"text":"Yeah.","start":992.35,"end":992.58997,"sentiment":"neutral","sentiment_score":0.2347075343132019},{"text":"That's okay.","start":992.58997,"end":993.23,"sentiment":"neutral","sentiment_score":0.2869068384170532},{"text":"Not a problem at all.","start":993.23,"end":994.365,"sentiment":"neutral","sentiment_score":0.23339735865592956},{"text":"I've got in there for you the advantages, the disadvantages, and the risks involved of, obviously, the recommendations there.","start":995.08496,"end":1001.425,"sentiment":"neutral","sentiment_score":-0.000751730642820659},{"text":"It's completely up to you if you take on these recommendations or not.","start":1001.725,"end":1005.325,"sentiment":"neutral","sentiment_score":0.10125783171791297}],"sentiment":"neutral","sentiment_score":0.08193942336365581,"channel":0,"num_words":40,"start":992.35,"end":1005.325},{"sentences":[{"text":"If there's any part of the recommendations as previously that you chose not to take on board, we just get you on the very last page.","start":1005.325,"end":1012.24,"sentiment":"neutral","sentiment_score":-0.19839998793143493},{"text":"You have that sort of have a line and a section where you can just leave a note, and you just need to write in there what section that you're not wanting to take on board.","start":1012.24,"end":1021.93994,"sentiment":"neutral","sentiment_score":-0.09219489391479227},{"text":"Okay?","start":1022.0,"end":1022.5,"sentiment":"neutral","sentiment_score":0.042257510125637054}],"sentiment":"neutral","sentiment_score":-0.1338914024924475,"channel":0,"num_words":63,"start":1005.325,"end":1022.5},{"sentences":[{"text":"Okay.","start":1023.975,"end":1024.475,"sentiment":"positive","sentiment_score":0.34283947944641113},{"text":"Cool.","start":1024.5349,"end":1025.0349,"sentiment":"positive","sentiment_score":0.6798977851867676}],"sentiment":"positive","sentiment_score":0.5113686323165894,"channel":1,"num_words":2,"start":1023.975,"end":1025.0349},{"sentences":[{"text":"All good.","start":1024.925,"end":1025.645,"sentiment":"positive","sentiment_score":0.7113673985004425},{"text":"The only last thing I just wanted to kinda point out was the balance in here is a little bit different.","start":1025.645,"end":1029.9651,"sentiment":"neutral","sentiment_score":-0.06779908140500386},{"text":"So I know with the hub because this document was sort of completed with the research a little while ago, We sort of spoke last time on the March 31 there.","start":1029.9651,"end":1039.7899,"sentiment":"neutral","sentiment_score":-0.001479423334521632},{"text":"Your balance since then has increased.","start":1040.33,"end":1042.1699,"sentiment":"neutral","sentiment_score":0.1560550034046173},{"text":"So the balance in the fund in Hub twenty four as per the advice document has four hundred and nine thousand one eight five.","start":1042.1699,"end":1048.515,"sentiment":"neutral","sentiment_score":0.10786333866417408}],"sentiment":"neutral","sentiment_score":0.04140645372016089,"channel":0,"num_words":84,"start":1024.925,"end":1048.515},{"sentences":[{"text":"The balance as of today's date and have 24 is $415,006.03 1.","start":1048.595,"end":1053.715,"sentiment":"neutral","sentiment_score":0.06217921059578657},{"text":"So since we last called up, we have seen a little bit of a recovery in the market, then your portfolio has increased back by about 3.33%, which is good to see.","start":1053.715,"end":1062.775,"sentiment":"positive","sentiment_score":0.4025316305924207},{"text":"But when I have a look at the VIX index moving forward, there is more volatility to come.","start":1063.3701,"end":1067.53,"sentiment":"neutral","sentiment_score":-0.0817518410169416},{"text":"So we'll just keep monitoring and looking at things.","start":1067.53,"end":1070.25,"sentiment":"neutral","sentiment_score":0.05104731685585446},{"text":"Let me know if you have additional questions in there at all.","start":1070.25,"end":1073.15,"sentiment":"neutral","sentiment_score":0.09006646275520325}],"sentiment":"neutral","sentiment_score":0.16501027677791663,"channel":0,"num_words":83,"start":1048.595,"end":1073.15},{"sentences":[{"text":"And we'll just need to update the ARC balance as well.","start":1073.3701,"end":1076.01,"sentiment":"neutral","sentiment_score":0.023510808633132416},{"text":"We weren't able to get an updated statement.","start":1076.01,"end":1078.215,"sentiment":"neutral","sentiment_score":-0.19098738208413124},{"text":"So the balance net is from the last statement we were able to receive, which is from last year.","start":1078.215,"end":1083.515,"sentiment":"neutral","sentiment_score":-0.02192162741955958},{"text":"So in order to complete any rollovers, we'll just need to get an updated balance from you to make sure that we've got the right figures there.","start":1083.735,"end":1090.235,"sentiment":"neutral","sentiment_score":0.015106463942814756},{"text":"Okay?","start":1090.295,"end":1090.795,"sentiment":"neutral","sentiment_score":0.039648838341236115}],"sentiment":"neutral","sentiment_score":-0.018761632089136226,"channel":0,"num_words":66,"start":1073.3701,"end":1090.795},{"sentences":[{"text":"Yeah.","start":1090.36,"end":1090.6,"sentiment":"neutral","sentiment_score":0.06079208105802536},{"text":"That's right.","start":1090.6,"end":1091.08,"sentiment":"neutral","sentiment_score":0.09594371914863586},{"text":"Just having trouble accessing it at the moment.","start":1091.08,"end":1093.08,"sentiment":"negative","sentiment_score":-0.45388462394475937},{"text":"So","start":1093.08,"end":1093.58,"sentiment":"neutral","sentiment_score":-0.03289540857076645}],"sentiment":"neutral","sentiment_score":-0.2842744067311287,"channel":1,"num_words":12,"start":1090.36,"end":1093.58},{"sentences":[{"text":"That's okay.","start":1093.63,"end":1094.4299,"sentiment":"neutral","sentiment_score":0.06664563342928886},{"text":"That's alright.","start":1094.4299,"end":1095.1499,"sentiment":"neutral","sentiment_score":0.1840556412935257},{"text":"If it's easier, so even the screenshot, I","start":1095.1499,"end":1099.23,"sentiment":"neutral","sentiment_score":0.10730468621477485}],"sentiment":"neutral","sentiment_score":0.11332000326365232,"channel":0,"num_words":12,"start":1093.63,"end":1099.23},{"sentences":[{"text":"yep.","start":1099.08,"end":1099.58,"sentiment":"neutral","sentiment_score":0.047304678708314896}],"sentiment":"neutral","sentiment_score":0.047304678708314896,"channel":1,"num_words":1,"start":1099.08,"end":1099.58},{"sentences":[{"text":"know the team asked for statements on a regular basis.","start":1099.23,"end":1102.19,"sentiment":"neutral","sentiment_score":0.006384401023387909},{"text":"But even just a screenshot, if you're able to take a quick screenshot of the balance, that even works perfectly fine.","start":1102.19,"end":1108.8251,"sentiment":"neutral","sentiment_score":0.16659315844022093},{"text":"I'm happy to work with that for you because I know ART and some of the industry funds don't provide statements as regularly as you like.","start":1108.8251,"end":1115.545,"sentiment":"positive","sentiment_score":0.4962957604573323},{"text":"It's harder to sort of obtain those.","start":1115.545,"end":1117.405,"sentiment":"neutral","sentiment_score":0.02370864206126758},{"text":"But even just a screenshot there is fine.","start":1117.625,"end":1119.885,"sentiment":"neutral","sentiment_score":0.14006183668971062}],"sentiment":"neutral","sentiment_score":0.24656174024049607,"channel":0,"num_words":72,"start":1099.23,"end":1119.885},{"sentences":[{"text":"Okay.","start":1120.025,"end":1120.525,"sentiment":"neutral","sentiment_score":0.15395405888557434}],"sentiment":"neutral","sentiment_score":0.15395405888557434,"channel":0,"num_words":1,"start":1120.025,"end":1120.525},{"sentences":[{"text":"Yep.","start":1121.1799,"end":1121.4199,"sentiment":"neutral","sentiment_score":0.2132057398557663},{"text":"No problem.","start":1121.4199,"end":1122.08,"sentiment":"positive","sentiment_score":0.4239593744277954}],"sentiment":"positive","sentiment_score":0.3537081629037857,"channel":1,"num_words":3,"start":1121.1799,"end":1122.08},{"sentences":[{"text":"All good.","start":1122.71,"end":1123.35,"sentiment":"positive","sentiment_score":0.6252833306789398},{"text":"All good.","start":1123.35,"end":1123.9099,"sentiment":"positive","sentiment_score":0.6204273402690887},{"text":"I'll let you go so you can have a bit of a read through that one.","start":1123.9099,"end":1126.1499,"sentiment":"positive","sentiment_score":0.40173732675611973},{"text":"Let me know if you do happen to have any questions there.","start":1126.1499,"end":1128.73,"sentiment":"neutral","sentiment_score":0.31069866567850113},{"text":"We've got the updated recommendations.","start":1129.51,"end":1131.2899,"sentiment":"positive","sentiment_score":0.37373382449150083}],"sentiment":"positive","sentiment_score":0.3923316670430673,"channel":0,"num_words":37,"start":1122.71,"end":1131.2899},{"sentences":[{"text":"And, again, if there's anything that you chose not to take on board, just make a little note on the back page there for me as well.","start":1131.35,"end":1136.8099,"sentiment":"neutral","sentiment_score":0.14959737879258614}],"sentiment":"neutral","sentiment_score":0.14959737879258614,"channel":0,"num_words":27,"start":1131.35,"end":1136.8099},{"sentences":[{"text":"Alright.","start":1137.9751,"end":1138.295,"sentiment":"neutral","sentiment_score":0.2612500786781311},{"text":"Not a problem.","start":1138.295,"end":1138.855,"sentiment":"positive","sentiment_score":0.4678908983866374},{"text":"Thank you","start":1138.855,"end":1139.175,"sentiment":"positive","sentiment_score":0.6323091983795166}],"sentiment":"positive","sentiment_score":0.4882568617661794,"channel":1,"num_words":6,"start":1137.9751,"end":1139.175},{"sentences":[{"text":"Okay?","start":1139.1549,"end":1139.635,"sentiment":"positive","sentiment_score":0.4817158877849579}],"sentiment":"positive","sentiment_score":0.4817158877849579,"channel":0,"num_words":1,"start":1139.1549,"end":1139.635},{"sentences":[{"text":"very much for","start":1139.175,"end":1139.735,"sentiment":"positive","sentiment_score":0.7796264489491781}],"sentiment":"positive","sentiment_score":0.7796264489491781,"channel":1,"num_words":3,"start":1139.175,"end":1139.735},{"sentences":[{"text":"All","start":1139.635,"end":1140.0349,"sentiment":"positive","sentiment_score":0.6618725061416626}],"sentiment":"positive","sentiment_score":0.6618725061416626,"channel":0,"num_words":1,"start":1139.635,"end":1140.0349},{"sentences":[{"text":"your time.","start":1139.735,"end":1140.395,"sentiment":"positive","sentiment_score":0.7249874174594879}],"sentiment":"positive","sentiment_score":0.7249874174594879,"channel":1,"num_words":2,"start":1139.735,"end":1140.395},{"sentences":[{"text":"good.","start":1140.0349,"end":1140.5349,"sentiment":"positive","sentiment_score":0.616707444190979},{"text":"No worries, Paul.","start":1140.595,"end":1141.5549,"sentiment":"positive","sentiment_score":0.5524512628714243},{"text":"Thanks so much.","start":1141.5549,"end":1142.195,"sentiment":"positive","sentiment_score":0.8473807573318481},{"text":"You have a good day.","start":1142.195,"end":1143.255,"sentiment":"positive","sentiment_score":0.76289803981781}],"sentiment":"positive","sentiment_score":0.7192244753241539,"channel":0,"num_words":12,"start":1140.0349,"end":1143.255},{"sentences":[{"text":"You too.","start":1143.4908,"end":1143.8909,"sentiment":"positive","sentiment_score":0.506360799074173},{"text":"Bye.","start":1143.8909,"end":1144.3909,"sentiment":"positive","sentiment_score":0.3398735225200653}],"sentiment":"positive","sentiment_score":0.45086504022280377,"channel":1,"num_words":3,"start":1143.4908,"end":1144.3909},{"sentences":[{"text":"Bye bye.","start":1144.515,"end":1145.255,"sentiment":"neutral","sentiment_score":0.047795508056879044}],"sentiment":"neutral","sentiment_score":0.047795508056879044,"channel":0,"num_words":2,"start":1144.515,"end":1145.255}]},"summary":{"result":"success","short":"Representatives from OQ Financial and a company called OQ Financial discuss the retirement of various investments and the reduction of the customer's portfolio. They emphasize the importance of maintaining a diversified portfolio and the need for defensive investments to manage market performance. The speakers also provide advice on retirement funds and the benefits of consolidating investments into two funds, and suggest reviewing the portfolio regularly and updating the balance sheet. The call ends with thanks and pleasantries."},"intents":{"segments":[{"text":"And I'll do security there with you as well just to confirm your full name, your date of birth, and address I should have on file just because we are discussing your personal information. It's Paul Anthony.","start_word":190,"end_word":226,"intents":[{"intent":"Confirm identity","confidence_score":0.014827008}]},{"text":"Obviously, gold's done quite well in your portfolio, so cementing some of the gains and having them reinvested does help with the compounding effect.","start_word":643,"end_word":666,"intents":[{"intent":"Compliment investments","confidence_score":0.00014513821}]},{"text":"We're getting rid of the Ben and Long Australian Equities credit there because it has been underperforming, and we're replacing that with the a 200, which is at the very bottom of that page. So no.","start_word":668,"end_word":703,"intents":[{"intent":"Replace credit with a200","confidence_score":0.0005783759}]},{"text":"That is still giving you access into the top 200 companies on the ASX.","start_word":730,"end_word":743,"intents":[{"intent":"Provide access to top 200 companies","confidence_score":0.013874678}]},{"text":"You'll see the bank hybrids there. We are also removing that.","start_word":843,"end_word":853,"intents":[{"intent":"Remove bank hybrids","confidence_score":0.2714539}]},{"text":"The cybersecurity we are keeping, it is has been a little bit of ups and downs recently, but it is still a good investment to have in there.","start_word":934,"end_word":961,"intents":[{"intent":"Use cybersecurity","confidence_score":0.0065687043}]},{"text":"So we're just gonna rebalance it back to about 5% for you.","start_word":972,"end_word":983,"intents":[{"intent":"Rebalance bonds","confidence_score":0.15868413}]},{"text":"So having some core composite bonds is expensive in nature. It's also good for income producing because they're holding two sort of funds, making sure we have income producing funds does help for income and compounding effect moving forward.","start_word":1023,"end_word":1061,"intents":[{"intent":"Evaluate core bonds and income producing investments","confidence_score":0.0000017538445}]},{"text":"So, again, globally, it's global exposure is good for diversification. Health care is a very large area, has been since COVID, and we wanna add some of that into the portfolio for you as we do see a lot of growth in that area.","start_word":1385,"end_word":1428,"intents":[{"intent":"Improve portfolio diversification","confidence_score":0.0036306265}]},{"text":"Now I know one of the things was the last recommendations we made. You didn't wanna make any move any funds from your ARC funds.","start_word":1993,"end_word":2017,"intents":[{"intent":"Educate on portfolio recommendations","confidence_score":0.000045772245}]},{"text":"So I am making a recommendation that we do also roll some funds from the ART funds.","start_word":2141,"end_word":2157,"intents":[{"intent":"Recommend rolling funds","confidence_score":0.25883454}]},{"text":"So one of the things I wanted to look at was the CDT consequences because whenever we buy and sell investments within your super fund, there are taxation consequences for your super. Essentially, the CGT on this one is about $900, so your super fund would have a CGT consequence of $900 for completing the swap, the buy, sell that we are making, but it's also putting you in a better portfolio as well.","start_word":2271,"end_word":2344,"intents":[{"intent":"Explain cdt consequences","confidence_score":0.1287946}]},{"text":"When we weigh up the rolling average of the current portfolio we're putting you in, you can see it has performed a bit better in the past.","start_word":2375,"end_word":2401,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.2030068}]},{"text":"So every year, things can change, and past performance is just past performance.","start_word":2473,"end_word":2485,"intents":[{"intent":"Discuss past performance","confidence_score":0.3237041}]},{"text":"I always suggest everyone look at projections with a grain of salt, understanding that projections are just projections based on past data. Okay? Yep.","start_word":2487,"end_word":2510,"intents":[{"intent":"Understand projections","confidence_score":0.028565044}]},{"text":"With moving out of Bennelong and moving into the a 200, it is much more of a cheaper investment option, but making the switch as a whole actually reduces your investment cost.","start_word":2530,"end_word":2561,"intents":[{"intent":"Reduce investment costs","confidence_score":0.08155064}]},{"text":"Contributions do continue to go into your ART super fund there for you. We'll just make sure we do reviews with you on a regular basis.","start_word":2621,"end_word":2646,"intents":[{"intent":"Review funds","confidence_score":0.21102828}]},{"text":"Contributions do continue to go into your ART super fund there for you. We'll just make sure we do reviews with you on a regular basis. Obviously, the main sort of thing is eventually being able to consolidate everything into one place.","start_word":2621,"end_word":2662,"intents":[{"intent":"Consolidate investments","confidence_score":0.2635383}]},{"text":"The next page does sort of show you an updated projection based on the research that we've completed showing you that if the market performed the way they have over the past couple of years where you could end up over the next five, ten years between the two funds there.","start_word":2782,"end_word":2832,"intents":[{"intent":"Provide updated projections","confidence_score":0.0037037448}]},{"text":"So we're just sort of looking at the way investors have performed in the past and looking to see, you know, where they could end up in the future. Okay? Yep.","start_word":2903,"end_word":2933,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.0011286826}]},{"text":"The only last thing I just wanted to kinda point out was the balance in here is a little bit different. So I know with the hub because this document was sort of completed with the research a little while ago, We sort of spoke last time on the March 31 there. Your balance since then has increased. So the balance in the fund in Hub twenty four as per the advice document has four hundred and nine thousand one eight five.","start_word":3289,"end_word":3370,"intents":[{"intent":"Highlight balance","confidence_score":0.0037411908}]},{"text":"We weren't able to get an updated statement.","start_word":3465,"end_word":3472,"intents":[{"intent":"Update statements","confidence_score":0.032415237}]},{"text":"If it's easier, so even the screenshot, I yep. know the team asked for statements on a regular basis. But even just a screenshot, if you're able to take a quick screenshot of the balance, that even works perfectly fine.","start_word":3536,"end_word":3575,"intents":[{"intent":"Provide screenshot","confidence_score":0.121671006}]}]},"sentiments":{"segments":[{"text":"Hello? Paul Card. Hi, Paul. It's Dana from OQ Financial. How are you today? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1762794852256775},{"text":"Good. Thank you. That's good. I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yeah. It's perfect. Thank you.","start_word":15,"end_word":46,"sentiment":"positive","sentiment_score":0.4950724244117737},{"text":"Yeah. That's okay. Do you have access to your emails at the moment? So I have my emails up at the moment. Yeah. Do you have access to them? If you don't, that's absolutely fine. This is sometimes it's easier if I send it through to you, and you can see the document while Yeah. we're going through it. Hang on. Just give us a Yeah. You're right. minute. Let's do it. Hold up. Get my computer running. Okay. Emails are up. Yep.","start_word":47,"end_word":129,"sentiment":"neutral","sentiment_score":0.05156485363841057},{"text":"Beautiful. Lovely. I'm gonna send this one through to you there.","start_word":130,"end_word":140,"sentiment":"positive","sentiment_score":0.39246922731399536},{"text":"Once it comes through, if you can just open it up for me. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":141,"end_word":186,"sentiment":"neutral","sentiment_score":0.19261980056762695},{"text":"Thank you. Beautiful.","start_word":187,"end_word":189,"sentiment":"positive","sentiment_score":0.4263661503791809},{"text":"And I'll do security there with you as well just to confirm your full name, your date of birth, and address I should have on file just because we are discussing your personal information. It's Paul Anthony. 44 Benmore Court, Dayborough 4521. 1974. Yep.","start_word":190,"end_word":233,"sentiment":"neutral","sentiment_score":0.12416257709264757},{"text":"Beautiful. Thank you so much for that.","start_word":234,"end_word":240,"sentiment":"positive","sentiment_score":0.5086830854415894},{"text":"Now I've emailed that document through to you. Hopefully, Yeah. it So pops through the fairly doc quickly is it's there a sign for you. is that the one? Just sign document? Yep. Yep. That's the one. So if you just press on the button, it'll allow you to go through so you can see the document there. I'll not ask you to sign anything you haven't read. You'll get a chance to go back and have a really good read of the document as well before deciding whether you take on the advice. To make this easier for you, it is mostly about the investments which looking at, you know, how we can alter your investments, removing anything that's been underperforming there. On the first page, you'll see that it's being prepared for yourself with the date of the 04/07/2026. Our advice is valid for six days from the date on the document there. And on the bottom there, just learning that my registration number with ASDIC is 1304394. Okay? We scoped in areas of superannuation there, and to make this a bit easier for you, if I can just get you to scroll through the documents there for me just down to page number twenty one and twenty two. This is essentially showing you the major the part of the recommendations that we're making for you. Yeah. Hang on. Alright.","start_word":241,"end_word":472,"sentiment":"neutral","sentiment_score":0.15591011299141522},{"text":"Yep. Beautiful.","start_word":473,"end_word":474,"sentiment":"positive","sentiment_score":0.4850834906101227},{"text":"Now with this one here, we are already making recommendation with regard to your super in hub twenty four that we do complete an investment switch there.","start_word":475,"end_word":501,"sentiment":"neutral","sentiment_score":0.24306444823741913},{"text":"So we've gone back and have had a really good look at the investments.","start_word":502,"end_word":515,"sentiment":"positive","sentiment_score":0.4500843584537506},{"text":"As we discussed last time, Bennelong has been underperforming a bit there, so we are gonna remove that completely, doing a full sell down of your Bennelong Australian Equities investment. But we're also gonna do a bit of a rebalance and maneuver some of the other investments that probably aren't performing as well. One of the things you said that you wanted to look at was having a bit more exposure to, say, lithium, metals, and things like that. So we are keeping the ACDC, the battery, and lithium tech there, but just, you know, rebalancing down to about 5%. So it would sell some of that and reduce it down. We're also keeping the physical gold in there, but just rebalancing it back a little bit.","start_word":516,"end_word":642,"sentiment":"neutral","sentiment_score":-0.06185104325413704},{"text":"Obviously, gold's done quite well in your portfolio, so cementing some of the gains and having them reinvested does help with the compounding effect.","start_word":643,"end_word":666,"sentiment":"positive","sentiment_score":0.52534419298172},{"text":"We're getting rid of the Ben and Long Australian Equities credit there because it has been underperforming, and we're replacing that with the a 200, which is at the very bottom of that page. So no. My apologies. It is on the next page down. The beta says a 200 investment there. Yeah. Okay? I can see So that. that is Yep. yeah. That is still giving you access into the top 200 companies on the ASX. With the Benelong Australian Equities investment, that was more of an actively managed component there. But, unfortunately, in recent months, they haven't been able to do their job. They've had some issues with the underlying investments there. So we're actually replacing that with more of a cheaper option. The a 200 is more of a passively managed fund.","start_word":667,"end_word":801,"sentiment":"neutral","sentiment_score":-0.04003345966339111},{"text":"It just tracks the top 200 companies on the ASX, and it does also reduce your costs as well and investment fees.","start_word":802,"end_word":823,"sentiment":"positive","sentiment_score":0.3750903606414795},{"text":"It's cheaper to have a passively managed fund than it is to have active managers in your portfolio. Okay? You'll see the bank hybrids there. We are also removing that. Now bank hybrids as an investment is about to be phased out, so we are removing that whilst we're making these changes. It's easy to do it now, so we are utilizing and offsetting any gains that have been received by any losses that have already been received. Otherwise, down the track, we're gonna have to make that call and cement the losses or gains down the track. It kinda works that easy enough to do it all at one. The cybersecurity we are keeping, it is has been a little bit of ups and downs recently, but it is still a good investment to have in there. Cybersecurity and globally is giving you diversification in your portfolio. So we're just gonna rebalance it back to about 5% for you. We are keeping the core composite bonds. We're just gonna rebalance it back. So you've got about need about 9% in there.","start_word":824,"end_word":1005,"sentiment":"neutral","sentiment_score":0.15464544296264648},{"text":"You're in a great portfolio, so it's about eighty twenty sort of split with this one.","start_word":1006,"end_word":1021,"sentiment":"positive","sentiment_score":0.5116182565689087},{"text":"So having some core composite bonds is expensive in nature.","start_word":1022,"end_word":1031,"sentiment":"neutral","sentiment_score":0.22654978930950165},{"text":"It's also good for income producing because they're holding two sort of funds, making sure we have income producing funds does help for income and compounding effect moving forward.","start_word":1032,"end_word":1060,"sentiment":"positive","sentiment_score":0.5737010836601257},{"text":"And we're also removing the bank hybrids there, so replacing that with the core composite bonds. And also on the next page, you'll see the iShield yield plus iShares yield plus.","start_word":1061,"end_word":1091,"sentiment":"neutral","sentiment_score":0.16433687508106232},{"text":"That's another sort of high high income producing investment, and it's also used as a bit more of a defensive investment for you as well.","start_word":1092,"end_word":1116,"sentiment":"positive","sentiment_score":0.39488840103149414},{"text":"So we're having those two in there to replace the bank hybrids that we're removing for you. Okay? We're keeping the S and P 500 just rebalancing it back. Obviously, with what's happening in The US and Iran and the world generally, it has taken a bit of a hit. However, The US is still an important place to be invested. Unfortunately, in Australia, we follow what happens with The US, and US equity still over the longer term provide and do provide great returns. So we are looking to keep that there. We're just gonna sort of rebalance it back for you a little bit as well. We are getting rid of the Van x property. Just removing that completely, we don't see any point in having that in that property has taken a bit of a setback. A lot of the larger areas in Australia are seeing some changes to properties, so that investment is gonna be completely removed. We are also keeping the beta shares roughly a 200 to give you exposure to small and mid cap companies on the ASX.","start_word":1117,"end_word":1300,"sentiment":"neutral","sentiment_score":-0.07727514952421188},{"text":"Still a good investment.","start_word":1301,"end_word":1304,"sentiment":"positive","sentiment_score":0.3683658540248871},{"text":"Still looking at keeping that one there. We're just gonna rebalance it back for you to make sure you're not overexposed to those sorts of areas. We've also got the India quality ETF in there.","start_word":1305,"end_word":1339,"sentiment":"neutral","sentiment_score":0.19390559196472168},{"text":"So India is another good place of kind of growth within the market moving forward. So we're gonna increase or add that into your portfolio at about 5% to buy into some of that.","start_word":1340,"end_word":1373,"sentiment":"positive","sentiment_score":0.3604477345943451},{"text":"And then we've got some global health care as well.","start_word":1374,"end_word":1383,"sentiment":"neutral","sentiment_score":0.2040582150220871},{"text":"So, again, globally, it's global exposure is good for diversification. Health care is a very large area, has been since COVID, and we wanna add some of that into the portfolio for you as we do see a lot of growth in that area.","start_word":1384,"end_word":1427,"sentiment":"positive","sentiment_score":0.43125274777412415},{"text":"The a 200, that's the one I explained that we are sort of replacing then along with. It's giving you exposures to the top 200 companies on the ASX. Between the a 200 and the S and P 500, the good things about being invested in those sorts of investments are they track those individual indices. So in order for companies to be in those indices and to be in these investors, they have to meet a certain criteria. The investment committees of those indices do meet on a regular basis, generally, about once every quarter, and they assess what companies are in the indices. If companies no longer are eligible to be in the top 200 on, you know, the ASX or the top 500 on in the S and P 500, they are removed out of there and replaced with other companies. And then these investors, because they are tracking those indices, follow suit. So it kinda gives you a bit of leeway knowing that you're always invested in the top 200 companies with this one or the top 500 with the S and P 500 there as well. Okay? Yep. We've also got the JPMorgan Global Research Enhanced Equity Fund. We're adding that in there for you.","start_word":1428,"end_word":1637,"sentiment":"neutral","sentiment_score":0.1511431783437729},{"text":"This is giving you access to essentially areas that JPMorgan and their research team are feeling are providing greater growth and benefit.","start_word":1638,"end_word":1659,"sentiment":"positive","sentiment_score":0.47461870312690735},{"text":"This one here does give you some indirect exposure into areas of, say, battery and lithium, minerals and mining exposure as well.","start_word":1660,"end_word":1681,"sentiment":"neutral","sentiment_score":0.15574562549591064},{"text":"So it's kind of increasing your exposure into those areas as well as making sure we're diversifying.","start_word":1682,"end_word":1698,"sentiment":"positive","sentiment_score":0.37418699264526367},{"text":"Didn't really wanna make sure the portfolio only had those areas because it doesn't really give you any diversification, and they can be seen as some high risk areas. They have seen some great growth recently, but there are times those areas don't see good growth or do take large steps back. And some of the companies within those areas are seen as small to mid cap and are quite risky. So we wanted to make sure whilst we're giving you that increase of exposure that you're after, but also making it diversified and making sure that we're not overexposing you to a large sum of risk. We all love when markets go up, but we all feel a little bit nervous when they go down.","start_word":1699,"end_word":1824,"sentiment":"neutral","sentiment_score":-0.2037002182905636},{"text":"And because your balance is increasing, essentially smaller changes or smaller dips to your balance can make you feel quite nervous.","start_word":1825,"end_word":1845,"sentiment":"negative","sentiment_score":-0.3677242696285248},{"text":"Okay? So we're adding this one in here for you and adding it at sorry.","start_word":1846,"end_word":1860,"sentiment":"neutral","sentiment_score":0.00859165657311678},{"text":"My computer is just frozen. Oh, no. Where is it gone? My computer just lost it on me.","start_word":1861,"end_word":1878,"sentiment":"negative","sentiment_score":-0.49598345160484314},{"text":"Sorry. One second. Sorry. Paul, my computer just turned off. There we go. I lost everything. So adding in there about 10% there for you, so we'll be using some of the funds to buy into that one. And then the iShield is deal plus. So as mentioned, you're in a growth portfolio. You do need to have some defensive investments to help with long term market fluctuations and also income producing there as well. The iShield iShares yield plus is looking at, you know, fixed interest for majority of things. It's more defensive in nature and having about 9% in your portfolio will help with that. Okay? That's essentially with the the changeover. Now I know one of the things was the last recommendations we made. You didn't wanna make any move any funds from your ARC funds. However, as we kinda spoke about last time, I am making a recommendation that we do roll all but 10,000 in the hub 24, essentially making sure that money is continuously moved over and invested in the portfolio does help with the compounding effect. Investment markets can only work so hard, and regular contributions into investments does help with the long term compounding effect of your portfolio and takes advantage of market fluctuations when the markets are either performing well or not performing as well. When the market's taking a bit of a dip continuously putting money into the investments, buyers into those discounted rates, and you can see great growth when the when the funds come out and recover from those downtime. So I am making a recommendation that we do also roll some funds from the ART funds. We'll leave 10,000 in there.","start_word":1879,"end_word":2162,"sentiment":"neutral","sentiment_score":0.1768719581231265},{"text":"Your contributions still keep going in there, and every year, it's important just to keep rolling some funds between ART and Hub twenty four. The ARC fund is just sort of to keep your insurances in place. You also wanted to keep that for a bit of a diversification in your portfolio as well, which is absolutely fine, but we just wanted to make sure our recommendations are reflective of that for you.","start_word":2163,"end_word":2235,"sentiment":"positive","sentiment_score":0.40796637535095215},{"text":"Does that all make sense so far?","start_word":2236,"end_word":2242,"sentiment":"neutral","sentiment_score":0.1909547448158264},{"text":"Yes. Thank you. Yeah. All good.","start_word":2243,"end_word":2248,"sentiment":"positive","sentiment_score":0.4532468318939209},{"text":"If you go down to page number 23 there for me, you can sort of see the difference in the fee structure. So one of the things I wanted to look at was the CDT consequences because whenever we buy and sell investments within your super fund, there are taxation consequences for your super. Essentially, the CGT on this one is about $900, so your super fund would have a CGT consequence of $900 for completing the swap, the buy, sell that we are making, but it's also putting you in a better portfolio as well. So when we looked at the previous research there and we went down and had a look, the three year rolling average on your current portfolio has showed about 9.54%. When we weigh up the rolling average of the current portfolio we're putting you in, you can see it has performed a bit better in the past. It's important to note that projections are just projections. They do depend upon market performance, and markets can change basically from day to day, from year to year. I can safely say this time last year, we never thought we'd be in the position we are this year. We probably never also thought, you know, the we were gonna be at war with Iran at this point in time as well. So every year, things can change, and past performance is just past performance. I always suggest everyone look at projections with a grain of salt, understanding that projections are just projections based on past data. Okay? Yep. The other thing we have here sorry. The other thing is the investment fees. So as I kinda mentioned sorry. With moving out of Bennelong and moving into the a 200, it is much more of a cheaper investment option, but making the switch as a whole actually reduces your investment cost.","start_word":2249,"end_word":2561,"sentiment":"neutral","sentiment_score":0.0691553205013656},{"text":"So by completing the switch and the rollover there, we can actually save you $801 for the year on investment fees. So it means that you're paying less than investment fees for the investments and saving a bit of money which stays in your portfolio and can work you know, help benefit the long term compounding effect there.","start_word":2562,"end_word":2619,"sentiment":"positive","sentiment_score":0.71357661485672},{"text":"Okay? Contributions do continue to go into your ART super fund there for you. We'll just make sure we do reviews with you on a regular basis. Obviously, the main sort of thing is eventually being able to consolidate everything into one place. But for now, because you wanna keep the ART fund open and the insurance is where they're located, we just wanna review both the funds, make sure they're working as hard as possible, noting that investments will go up and down. So we are gonna have times moving forward where the investments may not perform as well as they're expected and times when they might outperform where they're expected to as well. It's just the nature of investing in investment markets, unfortunately. And then insurance premiums continue to stay in the AARP fund there for you as well. They are just indicative of the unitized pricing that the fund charges for those at the moment. Okay? Yep. All good. The next page does sort of show you an updated projection based on the research that we've completed showing you that if the market performed the way they have over the past couple of years where you could end up over the next five, ten years between the two funds there. As I mentioned, this would always be looked at with a grain of salt projections, are those projections, and we never know how markets are gonna react. As I said, you know, we did not expect that we were gonna be in this position last year with where we are, and who knows where we're gonna end up next year or what's gonna happen in the next couple of months. So we're just sort of looking at the way investors have performed in the past and looking to see, you know, where they could end up in the future. Okay? Yep. I've also got in there that we are retaining the ART super fund there for you, keeping those insurances in place. As I mentioned, we just wanna keep 10,000 in place there for you. Like, your contributions going in and continuously roll money into Hub twenty four, reviewing all of this on a regular basis. So we do your annual reviews with you. I can also look to do a catch up with you in about three months if you like just to see where things are going and whether we need to make any additional changes to your portfolio.","start_word":2620,"end_word":3033,"sentiment":"neutral","sentiment_score":0.0912223719600318},{"text":"But the updated recommendations of the portfolio do increase your access into the battery and lithium tech, into the minerals exposure, and into the mining sectors there for you as well between all those investments. It's giving you both direct and indirect investments, so it's making a little bit more diversified for you as well.","start_word":3034,"end_word":3088,"sentiment":"positive","sentiment_score":0.45328018069267273},{"text":"And, yeah, we just wanna obviously make sure we do reviews moving forward. I can review things with you in about three months. Would that be preferable, or did you want something a little bit earlier? I'm not sure.","start_word":3089,"end_word":3127,"sentiment":"neutral","sentiment_score":0.0915493369102478},{"text":"You're you're probably right. I probably just annoy you guys too much.","start_word":3128,"end_word":3139,"sentiment":"negative","sentiment_score":-0.486605703830719},{"text":"So whatever you No. think is best. That's fine. What what would what would you prefer? Do you want sort of three months, or did you want something a bit earlier? No. No. It's fine. Three months is okay? Yeah. That's fine. Yeah. That's okay. Not a problem at all. I've got in there for you the advantages, the disadvantages, and the risks involved of, obviously, the recommendations there. It's completely up to you if you take on these recommendations or not. If there's any part of the recommendations as previously that you chose not to take on board, we just get you on the very last page. You have that sort of have a line and a section where you can just leave a note, and you just need to write in there what section that you're not wanting to take on board. Okay?","start_word":3140,"end_word":3284,"sentiment":"neutral","sentiment_score":-0.04023003819687613},{"text":"Okay. Cool. All good.","start_word":3285,"end_word":3288,"sentiment":"positive","sentiment_score":0.590565025806427},{"text":"The only last thing I just wanted to kinda point out was the balance in here is a little bit different. So I know with the hub because this document was sort of completed with the research a little while ago, We sort of spoke last time on the March 31 there. Your balance since then has increased. So the balance in the fund in Hub twenty four as per the advice document has four hundred and nine thousand one eight five. The balance as of today's date and have 24 is $415,006.03 1. So since we last called up, we have seen a little bit of a recovery in the market, then your portfolio has increased back by about 3.33%, which is good to see. But when I have a look at the VIX index moving forward, there is more volatility to come. So we'll just keep monitoring and looking at things. Let me know if you have additional questions in there at all. And we'll just need to update the ARC balance as well. We weren't able to get an updated statement. So the balance net is from the last statement we were able to receive, which is from last year. So in order to complete any rollovers, we'll just need to get an updated balance from you to make sure that we've got the right figures there. Okay? Yeah. That's right.","start_word":3289,"end_word":3522,"sentiment":"neutral","sentiment_score":0.0624115914106369},{"text":"Just having trouble accessing it at the moment.","start_word":3523,"end_word":3530,"sentiment":"negative","sentiment_score":-0.45819398760795593},{"text":"So That's okay. That's alright. If it's easier, so even the screenshot, I yep. know the team asked for statements on a regular basis. But even just a screenshot, if you're able to take a quick screenshot of the balance, that even works perfectly fine.","start_word":3531,"end_word":3575,"sentiment":"neutral","sentiment_score":0.11190220713615416},{"text":"I'm happy to work with that for you because I know ART and some of the industry funds don't provide statements as regularly as you like.","start_word":3576,"end_word":3601,"sentiment":"positive","sentiment_score":0.48851409554481506},{"text":"It's harder to sort of obtain those. But even just a screenshot there is fine. Okay. Yep.","start_word":3602,"end_word":3618,"sentiment":"neutral","sentiment_score":0.1122954711318016},{"text":"No problem. All good. All good. I'll let you go so you can have a bit of a read through that one.","start_word":3619,"end_word":3640,"sentiment":"positive","sentiment_score":0.45016196370124817},{"text":"Let me know if you do happen to have any questions there.","start_word":3641,"end_word":3652,"sentiment":"neutral","sentiment_score":0.31336116790771484},{"text":"We've got the updated recommendations.","start_word":3653,"end_word":3657,"sentiment":"positive","sentiment_score":0.3675330877304077},{"text":"And, again, if there's anything that you chose not to take on board, just make a little note on the back page there for me as well. Alright.","start_word":3658,"end_word":3685,"sentiment":"neutral","sentiment_score":0.1612052321434021},{"text":"Not a problem. Thank you Okay? very much for All your time. good. No worries, Paul. Thanks so much. You have a good day. You too. Bye.","start_word":3686,"end_word":3712,"sentiment":"positive","sentiment_score":0.6272107362747192},{"text":"Bye bye.","start_word":3713,"end_word":3714,"sentiment":"neutral","sentiment_score":0.25587335228919983}],"average":{"sentiment":"neutral","sentiment_score":0.12956624449551915}}}}