{"metadata":{"transaction_key":"deprecated","request_id":"b8e037ab-002a-47eb-8b83-ed85ce364056","sha256":"e05650691c0d0dd44f8425330e123627b63245b2ef6d12da6896da298a4dcbf2","created":"2026-03-18T07:10:31.094Z","duration":1019.23193,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3506,"output_tokens":120},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3810,"output_tokens":3818},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3810,"output_tokens":351}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Jeffrey. Veronica from Financial. Yeah. Good. How are you? Got home okay? Oh, perfect. How do you oh, really? Anything may anything major? Okay. Oh, no. That's not good. You weren't involved in anything, though? No. No. That's not that's good. That's good. Have you had a busy day? Oh, jeez. Yeah. That's not odd. Well, I will try not to keep you for too long, especially if it's a very busy day for you. But I did have you booked in just for a bit of a catch up. I believe you called in after the ROA, so change in the investment, but then also just to try to see if you wanted to make any changes with your portfolio otherwise. Is that right? Yes. I was like, no. I mean, there has been a lot of obviously, a lot has happened in the last twelve months and more recently. You know, a lot has happened in the world and, you know, do things do tend to fluctuate. But, yeah, definitely not that much, and it would have been very concerning. So at the moment, I just logged in to your account. You do have 272754. Definitely a lot more than that. Yes. Definitely. Did you read the the email at all that was sent through I think it was on the March 13. Yeah. About the investment change at all? Yes. Did you have any, like, questions or concerns with it? Or No? Yeah. Yeah. And it's it's obviously hard to predict. We will wish we had a crystal ball. You never know what's going to happen in in the market, but I guess on on a whole with everything that is going on, we have, you know, in the last twelve months, seen a bit of fluctuations. Like I mentioned, first, you had everything in The US with Trump and tariffs and everything with a little bit of fluctuation. And more recently, like you mentioned as well, obviously, kind of the war going on in The Middle East, seeing a bit of bit of fluctuations in the market. Now with the market as a whole, when there are kind of stuff like this that would happen, you know, kind of quick political shocks, which can obviously cause a bit of fluctuations, it's typically not the whole market as a whole. So what tends to happen is that there are certain sectors that can be more impacted than others depending on what's going on. And it tends to be more of like a cyclical trend where, obviously, everything going on at the moment. Obviously, oil is a bit of a contributed through a fluctuation. So you can see, obviously, with what is going on that there can be companies that can benefit from stuff that's going on. So, obviously, you know, defense jobs and energy companies, gold is also gone up crazy at the moment. So we do wanna make sure that your portfolio is balanced, and that's how it has been constructed. Now you're then gonna have some industries and sectors that are going to see a bit of fluctuation while things are happening. So some of the industries that can be impacted with more situations and stuff like that can be, you know, your airline and transport because, obviously, fuel cost prices are going up. And then, obviously, consumer retail. So, obviously, inflation can have a bit of spending. And we are seeing a little bit of fluctuations with your tech growth stocks if they can be a bit more sensitive to the higher interest rate. A lot of it is more, like I said, kind of a cyclical with what is going on, so not really big concerns to make major changes as as a whole. Now when we are looking at, you know, the market of what's happened, then we typically refer back to your your Vanguard index chart, which is one that we kind of would have gone through last under review. And your annual review is actually coming up in a couple of months as well. So you kind of will go through a bit of an updated one, but that one is a good one because it takes you back through 1994 all the way through 2025. And there's obviously been a lot of wars and different stuff happening in the world through that time. And when we do look at it historically, that there are obviously things that happen which can cause a quite a rapid decline in the market and the portfolio. And, typically, we do see, though, that the the quickest changes or when the market goes up again tend to be fairly close to the biggest drops. So, typically, what happens is those people that are trying to time it is very hard if you're trying to time the bottom and the top of the market often lose out than if you just kind of hold steady because, yes, you'll, at times, will be down, but then you'll also take advantage of while things are down, you are buying at a cheaper price, so it also keeps going up. Does that kind of make sense? Yeah. So I think, like, overhaul, the investment committee and staff aren't concerned with what is going on in the world right now to make drastic changes. The purpose or or I guess the reason why we changed Ben Along for you was a little bit different. So not really dependent on, you know, what is going on in with, like, the war and stuff like that. It was more so that when we added Benelon to your portfolio now Benelon is a managed fund. Do you know what that is? Yeah. So, essentially, to simplify it, it means that they are trying to actively buy and sell different investments in order to try to outperform the market. So they can cost a little bit more. They have that active approach in trying to do a lot better than, like, a benchmark. And they have done so the vendor line when we added it had done really well. They were one of the best performing fund managers at the time and have been until quite recently. That was why that one was added to your portfolio. Now that is the only managed fund you have. The other options are your ETF. So these ones here are a little bit more stable in a way because you track an index. So for example, one of your holdings is called iShares SMP 500. So how that one is different is that in that one single investment, you invest in the 500 largest companies listed in The US. So you're not trying to research and predict the best companies. You are following the biggest companies. As you have a company that grows and expands and gets in through those top 500, it gets added to a list, and another company that maybe is not doing too well kind of comes out, if that makes sense. Yeah. So it's a little bit smoother because you also have a lot more companies typically in these ETFs to kind of smooth things out. And with your ETF portfolio, we do have different industries and sectors and also around the globe because we don't wanna put everything into one industry or one area. So then when something happens like now where you do have a bit of that cyclical trend, we wanna make sure that if some investments are are seeing a bit of a downturn at the moment, we don't want that to be everywhere. So we wanna also even things out. So you have, for example, some investments in Europe. You have some around the world. You have some in Japan, some in The US, some in Australia. So you have things kind of a little bit everywhere, which is good. And then you also have some defensive investments. So you have gold, for example, in your portfolio, and gold itself has gone up a lot. So that one has done really well. And that is the purpose of trying to minimize fluctuations a little bit through that portfolio to kind of give you that defensive core investment, if that makes sense. Yeah. So when when we looked at that portfolio as a whole, like I said, the investment committee have done a lot of research under the different investments and if we needed to change anything. So when we did look at Bennelong, even though they had done really well in the past, more recently, they had underperformed. And some of the reason was that they kind of made choices or beliefs in through different companies that didn't play out as they thought. And then, also, that one of the investments that they had in their portfolio was called the corporate travel group. Not sure if you've heard of that on the news and stuff, but they had a bit of issues with their reporting, which actually meant that they were suspended from trading. And then yeah. So because of that, obviously, things fell. So we did a lot of investigation on your Bend and Long Australian equity to see, well, do we have to see that coming back around again? Because we also don't wanna sell if it's kind of dropped too much either if we foresee it coming back around. And when we kind of looked at everything a lot more, we all felt that it wasn't the best option. There were better options out there that could do more for you. So that's why we decided to just swap your option for another one. Now the one that we did replace it with was BetaShares Australia 200. So this one here is is not the whole buying and selling. It's your tracking index again. So it's tracking the 200 largest companies in Australia. So we obviously took out an Australian investment, so we wanna add another investment in Australia to get again, kind of make sure you have a well rounded portfolio. And because you are not buying and selling as much, the fees are a little bit cheaper with that investment option. It's also a little bit smoother, and it has performed recently a lot better than Benelon. So that was the shares Australia two hundred. Yeah. If you do have a or if if you do find that email as well, it was on the March 13 at about 9AM. It gives you a little bit more kind of in-depth into what I just went over. So if you do wanna see it and it's in writing there, which one we swapped for you as well. Yeah. So it is, yeah, a decision that we I feel is going to improve your returns a little bit and smooth things out for you, which is which is really good. So I guess, overall of the portfolio, by making this switch, we are quite, you know, comfortable with the way that things are going and don't see any, you know, major changes with long term anyway with everything that's going on for you. Like, going on in the world. Sorry. Yeah. And it's always good to call up as well if you do have any concerns and just talk about it. And I do also have here that we have your annual review coming up at around June. Would you like to to bring it forward, or are you happy to kind of go through everything in a bit more detail around June? Because then you've also been invested in this new investment for about three months or so so we can kind of see how things have gone for you. Yeah. Yeah. Okay. Another time, we can also, you know, obviously go through everything. And if you you do have any concerns and reservations, we can always look to make any, you know, changes if you want to. But I think, at least from the time being, I think things are going, okay, especially after this change. But if anything you do, if we foresee anything happening in the market, we will let you know if we feel like we need to make any other changes. We'll obviously let you know and keep you up to date. But for the time being, we don't feel like it's necessary to make drastic changes anyway. Yeah. Yeah. Now do you have any other questions for me at this point otherwise? Yeah. Yeah. Yeah. Yeah. No. That's a very good question because it can be over there. You think of gold and you think of that gold bullion, and you're like, how how do I invest in this? Exactly. So this one, it is it is a kind of a low cost investment option where you access the physical gold via the exchange stock exchange. So you kind of buy gold through the stock exchange. So, obviously, it avoids you having to have, you know, personally store store gold at home, as much as that would be nice as well. So it's physical gold through the stock exchange. Yeah. But it is a very good question because otherwise, it's like, oh, you you think of the physical gold bar. But yeah. Exactly. No. But it is a very good question. Do you have any other questions for me, Jeffrey? No? Okay. Yeah. You know, if you do think of anything or if you are concerned at any point, just give us a call or even send me an email, and we can book in a catch up. But, otherwise, I do have it here in around June that you are due for your annual review. So we'd give you a call around then, and we can kind of go through, you know, everything as well in, you know, a bit more detail and see if we do wanna make any changes or what's happened these last three months. Yeah. Perfect. Well, I will let you go and enjoy your rest of your evening, and hopefully, it's a bit calmer for you and not so stressful. And I look forward to speaking with you in a couple of months. But like I said, if you if you do wanna have a catch up earlier, just give us a call or even send me an email as well. Yeah. Perfect. No. That is no problem at all. I look forward to speaking with you soon again. Thanks. You too. 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afternoon, Jeffrey. Veronica from Financial. Yeah. Good. How are you?\n\nGot home okay? Oh, perfect. How do you oh, really? Anything may anything major? Okay.\n\nOh, no. That's not good. You weren't involved in anything, though? No. No.\n\nThat's not that's good. That's good. Have you had a busy day? Oh, jeez. Yeah.\n\nThat's not odd. Well, I will try not to keep you for too long, especially if it's a very busy day for you. But I did have you booked in just for a bit of a catch up. I believe you called in after the ROA, so change in the investment, but then also just to try to see if you wanted to make any changes with your portfolio otherwise. Is that right?\n\nYes. I was like, no. I mean, there has been a lot of obviously, a lot has happened in the last twelve months and more recently. You know, a lot has happened in the world and, you know, do things do tend to fluctuate. But, yeah, definitely not that much, and it would have been very concerning.\n\nSo at the moment, I just logged in to your account. You do have 272754. Definitely a lot more than that. Yes. Definitely.\n\nDid you read the the email at all that was sent through I think it was on the March 13. Yeah. About the investment change at all? Yes. Did you have any, like, questions or concerns with it?\n\nOr No? Yeah. Yeah. And it's it's obviously hard to predict. We will wish we had a crystal ball.\n\nYou never know what's going to happen in in the market, but I guess on on a whole with everything that is going on, we have, you know, in the last twelve months, seen a bit of fluctuations. Like I mentioned, first, you had everything in The US with Trump and tariffs and everything with a little bit of fluctuation. And more recently, like you mentioned as well, obviously, kind of the war going on in The Middle East, seeing a bit of bit of fluctuations in the market. Now with the market as a whole, when there are kind of stuff like this that would happen, you know, kind of quick political shocks, which can obviously cause a bit of fluctuations, it's typically not the whole market as a whole. So what tends to happen is that there are certain sectors that can be more impacted than others depending on what's going on.\n\nAnd it tends to be more of like a cyclical trend where, obviously, everything going on at the moment. Obviously, oil is a bit of a contributed through a fluctuation. So you can see, obviously, with what is going on that there can be companies that can benefit from stuff that's going on. So, obviously, you know, defense jobs and energy companies, gold is also gone up crazy at the moment. So we do wanna make sure that your portfolio is balanced, and that's how it has been constructed.\n\nNow you're then gonna have some industries and sectors that are going to see a bit of fluctuation while things are happening. So some of the industries that can be impacted with more situations and stuff like that can be, you know, your airline and transport because, obviously, fuel cost prices are going up. And then, obviously, consumer retail. So, obviously, inflation can have a bit of spending. And we are seeing a little bit of fluctuations with your tech growth stocks if they can be a bit more sensitive to the higher interest rate.\n\nA lot of it is more, like I said, kind of a cyclical with what is going on, so not really big concerns to make major changes as as a whole. Now when we are looking at, you know, the market of what's happened, then we typically refer back to your your Vanguard index chart, which is one that we kind of would have gone through last under review. And your annual review is actually coming up in a couple of months as well. So you kind of will go through a bit of an updated one, but that one is a good one because it takes you back through 1994 all the way through 2025. And there's obviously been a lot of wars and different stuff happening in the world through that time.\n\nAnd when we do look at it historically, that there are obviously things that happen which can cause a quite a rapid decline in the market and the portfolio. And, typically, we do see, though, that the the quickest changes or when the market goes up again tend to be fairly close to the biggest drops. So, typically, what happens is those people that are trying to time it is very hard if you're trying to time the bottom and the top of the market often lose out than if you just kind of hold steady because, yes, you'll, at times, will be down, but then you'll also take advantage of while things are down, you are buying at a cheaper price, so it also keeps going up. Does that kind of make sense? Yeah.\n\nSo I think, like, overhaul, the investment committee and staff aren't concerned with what is going on in the world right now to make drastic changes. The purpose or or I guess the reason why we changed Ben Along for you was a little bit different. So not really dependent on, you know, what is going on in with, like, the war and stuff like that. It was more so that when we added Benelon to your portfolio now Benelon is a managed fund. Do you know what that is?\n\nYeah. So, essentially, to simplify it, it means that they are trying to actively buy and sell different investments in order to try to outperform the market. So they can cost a little bit more. They have that active approach in trying to do a lot better than, like, a benchmark. And they have done so the vendor line when we added it had done really well.\n\nThey were one of the best performing fund managers at the time and have been until quite recently. That was why that one was added to your portfolio. Now that is the only managed fund you have. The other options are your ETF. So these ones here are a little bit more stable in a way because you track an index.\n\nSo for example, one of your holdings is called iShares SMP 500. So how that one is different is that in that one single investment, you invest in the 500 largest companies listed in The US. So you're not trying to research and predict the best companies. You are following the biggest companies. As you have a company that grows and expands and gets in through those top 500, it gets added to a list, and another company that maybe is not doing too well kind of comes out, if that makes sense.\n\nYeah. So it's a little bit smoother because you also have a lot more companies typically in these ETFs to kind of smooth things out. And with your ETF portfolio, we do have different industries and sectors and also around the globe because we don't wanna put everything into one industry or one area. So then when something happens like now where you do have a bit of that cyclical trend, we wanna make sure that if some investments are are seeing a bit of a downturn at the moment, we don't want that to be everywhere. So we wanna also even things out.\n\nSo you have, for example, some investments in Europe. You have some around the world. You have some in Japan, some in The US, some in Australia. So you have things kind of a little bit everywhere, which is good. And then you also have some defensive investments.\n\nSo you have gold, for example, in your portfolio, and gold itself has gone up a lot. So that one has done really well. And that is the purpose of trying to minimize fluctuations a little bit through that portfolio to kind of give you that defensive core investment, if that makes sense. Yeah. So when when we looked at that portfolio as a whole, like I said, the investment committee have done a lot of research under the different investments and if we needed to change anything.\n\nSo when we did look at Bennelong, even though they had done really well in the past, more recently, they had underperformed. And some of the reason was that they kind of made choices or beliefs in through different companies that didn't play out as they thought. And then, also, that one of the investments that they had in their portfolio was called the corporate travel group. Not sure if you've heard of that on the news and stuff, but they had a bit of issues with their reporting, which actually meant that they were suspended from trading. And then yeah.\n\nSo because of that, obviously, things fell. So we did a lot of investigation on your Bend and Long Australian equity to see, well, do we have to see that coming back around again? Because we also don't wanna sell if it's kind of dropped too much either if we foresee it coming back around. And when we kind of looked at everything a lot more, we all felt that it wasn't the best option. There were better options out there that could do more for you.\n\nSo that's why we decided to just swap your option for another one. Now the one that we did replace it with was BetaShares Australia 200. So this one here is is not the whole buying and selling. It's your tracking index again. So it's tracking the 200 largest companies in Australia.\n\nSo we obviously took out an Australian investment, so we wanna add another investment in Australia to get again, kind of make sure you have a well rounded portfolio. And because you are not buying and selling as much, the fees are a little bit cheaper with that investment option. It's also a little bit smoother, and it has performed recently a lot better than Benelon. So that was the shares Australia two hundred. Yeah.\n\nIf you do have a or if if you do find that email as well, it was on the March 13 at about 9AM. It gives you a little bit more kind of in-depth into what I just went over. So if you do wanna see it and it's in writing there, which one we swapped for you as well. Yeah. So it is, yeah, a decision that we I feel is going to improve your returns a little bit and smooth things out for you, which is which is really good.\n\nSo I guess, overall of the portfolio, by making this switch, we are quite, you know, comfortable with the way that things are going and don't see any, you know, major changes with long term anyway with everything that's going on for you. Like, going on in the world. Sorry. Yeah. And it's always good to call up as well if you do have any concerns and just talk about it.\n\nAnd I do also have here that we have your annual review coming up at around June. Would you like to to bring it forward, or are you happy to kind of go through everything in a bit more detail around June? Because then you've also been invested in this new investment for about three months or so so we can kind of see how things have gone for you. Yeah. Yeah.\n\nOkay. Another time, we can also, you know, obviously go through everything. And if you you do have any concerns and reservations, we can always look to make any, you know, changes if you want to. But I think, at least from the time being, I think things are going, okay, especially after this change. But if anything you do, if we foresee anything happening in the market, we will let you know if we feel like we need to make any other changes.\n\nWe'll obviously let you know and keep you up to date. But for the time being, we don't feel like it's necessary to make drastic changes anyway. Yeah. Yeah. Now do you have any other questions for me at this point otherwise?\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThat's a very good question because it can be over there. You think of gold and you think of that gold bullion, and you're like, how how do I invest in this? Exactly. So this one, it is it is a kind of a low cost investment option where you access the physical gold via the exchange stock exchange. So you kind of buy gold through the stock exchange.\n\nSo, obviously, it avoids you having to have, you know, personally store store gold at home, as much as that would be nice as well. So it's physical gold through the stock exchange. Yeah. But it is a very good question because otherwise, it's like, oh, you you think of the physical gold bar. But yeah.\n\nExactly. No. But it is a very good question. Do you have any other questions for me, Jeffrey? No?\n\nOkay. Yeah. You know, if you do think of anything or if you are concerned at any point, just give us a call or even send me an email, and we can book in a catch up. But, otherwise, I do have it here in around June that you are due for your annual review. So we'd give you a call around then, and we can kind of go through, you know, everything as well in, you know, a bit more detail and see if we do wanna make any changes or what's happened these last three months.\n\nYeah. Perfect. Well, I will let you go and enjoy your rest of your evening, and hopefully, it's a bit calmer for you and not so stressful. And I look forward to speaking with you in a couple of months. But like I said, if you if you do wanna have a catch up earlier, just give us a call or even send me an email as well.\n\nYeah. Perfect. No. That is no problem at all. I look forward to speaking with you soon again.\n\nThanks. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jeffrey.","start":1.68,"end":2.72,"sentiment":"neutral","sentiment_score":0.2834475835164388},{"text":"Veronica from Financial.","start":2.72,"end":4.1,"sentiment":"neutral","sentiment_score":0.17125587165355682},{"text":"Yeah.","start":6.64,"end":6.96,"sentiment":"neutral","sentiment_score":0.2517206072807312},{"text":"Good.","start":6.96,"end":7.2,"sentiment":"positive","sentiment_score":0.4646419286727905},{"text":"How are you?","start":7.2,"end":8.1,"sentiment":"neutral","sentiment_score":0.308245191971461}],"sentiment":"neutral","sentiment_score":0.2732007706707174,"num_words":11,"start":1.68,"end":8.1},{"sentences":[{"text":"Got home okay?","start":9.84,"end":10.98,"sentiment":"neutral","sentiment_score":0.2968183755874634},{"text":"Oh, perfect.","start":14.495001,"end":15.215,"sentiment":"neutral","sentiment_score":0.33130888640880585},{"text":"How do you oh, really?","start":15.215,"end":17.795,"sentiment":"neutral","sentiment_score":-0.003624438960105181},{"text":"Anything may anything major?","start":18.255001,"end":20.035,"sentiment":"neutral","sentiment_score":-0.0314340484328568},{"text":"Okay.","start":26.75,"end":27.23,"sentiment":"neutral","sentiment_score":0.006527124438434839}],"sentiment":"neutral","sentiment_score":0.0943827756990989,"num_words":15,"start":9.84,"end":27.23},{"sentences":[{"text":"Oh, no.","start":27.23,"end":28.19,"sentiment":"neutral","sentiment_score":-0.06375094130635262},{"text":"That's not good.","start":28.19,"end":29.17,"sentiment":"neutral","sentiment_score":-0.06942896793286006},{"text":"You weren't involved in anything, though?","start":30.35,"end":32.370003,"sentiment":"neutral","sentiment_score":-0.030702281122406323},{"text":"No.","start":33.39,"end":33.89,"sentiment":"neutral","sentiment_score":-0.11277636140584946},{"text":"No.","start":34.03,"end":34.53,"sentiment":"neutral","sentiment_score":-0.16538619995117188}],"sentiment":"neutral","sentiment_score":-0.061397310346364975,"num_words":13,"start":27.23,"end":34.53},{"sentences":[{"text":"That's not that's good.","start":34.91,"end":36.53,"sentiment":"neutral","sentiment_score":0.04578246548771858},{"text":"That's good.","start":36.91,"end":37.63,"sentiment":"neutral","sentiment_score":0.30856773257255554},{"text":"Have you had a busy day?","start":37.63,"end":39.010002,"sentiment":"neutral","sentiment_score":0.013031955187519392},{"text":"Oh, jeez.","start":48.535,"end":49.195,"sentiment":"neutral","sentiment_score":-0.016620879992842674},{"text":"Yeah.","start":49.495,"end":49.995,"sentiment":"neutral","sentiment_score":0.007635418325662613}],"sentiment":"neutral","sentiment_score":0.05685671443740527,"num_words":15,"start":34.91,"end":49.995},{"sentences":[{"text":"That's not odd.","start":50.055,"end":51.094997,"sentiment":"neutral","sentiment_score":-0.018052715187271435},{"text":"Well, I will try not to keep you for too long, especially if it's a very busy day for you.","start":51.094997,"end":57.769997,"sentiment":"neutral","sentiment_score":0.023728224402293562},{"text":"But I did have you booked in just for a bit of a catch up.","start":58.55,"end":62.25,"sentiment":"neutral","sentiment_score":0.05142995218435923},{"text":"I believe you called in after the ROA, so change in the investment, but then also just to try to see if you wanted to make any changes with your portfolio otherwise.","start":62.949997,"end":74.865005,"sentiment":"neutral","sentiment_score":0.011835788685857551},{"text":"Is that right?","start":74.925,"end":75.825005,"sentiment":"neutral","sentiment_score":0.020423111816247303}],"sentiment":"neutral","sentiment_score":0.022354386282816836,"num_words":73,"start":50.055,"end":75.825005},{"sentences":[{"text":"Yes.","start":101.205,"end":101.705,"sentiment":"neutral","sentiment_score":-0.04394856095314026},{"text":"I was like, no.","start":102.405,"end":103.545,"sentiment":"neutral","sentiment_score":-0.004975549876689911},{"text":"I mean, there has been a lot of obviously, a lot has happened in the last twelve months and more recently.","start":107.37,"end":112.49,"sentiment":"neutral","sentiment_score":-0.1450532866375787},{"text":"You know, a lot has happened in the world and, you know, do things do tend to fluctuate.","start":112.49,"end":117.630005,"sentiment":"neutral","sentiment_score":-0.09269064106047153},{"text":"But, yeah, definitely not that much, and it would have been very concerning.","start":118.305,"end":121.285,"sentiment":"negative","sentiment_score":-0.39857702071850115}],"sentiment":"neutral","sentiment_score":-0.17473513312768518,"num_words":57,"start":101.205,"end":121.285},{"sentences":[{"text":"So at the moment, I just logged in to your account.","start":122.385,"end":126.065,"sentiment":"neutral","sentiment_score":0.09078658304431221},{"text":"You do have 272754.","start":126.065,"end":130.085,"sentiment":"neutral","sentiment_score":0.08789696544408798},{"text":"Definitely a lot more than that.","start":130.225,"end":132.565,"sentiment":"positive","sentiment_score":0.3455341657002767},{"text":"Yes.","start":139.71,"end":140.19,"sentiment":"neutral","sentiment_score":0.1662135273218155},{"text":"Definitely.","start":140.19,"end":140.69,"sentiment":"neutral","sentiment_score":0.24348001182079315}],"sentiment":"neutral","sentiment_score":0.16665820906991544,"num_words":23,"start":122.385,"end":140.69},{"sentences":[{"text":"Did you read the the email at all that was sent through I think it was on the March 13.","start":142.51,"end":150.225,"sentiment":"neutral","sentiment_score":0.0806802747771144},{"text":"Yeah.","start":153.645,"end":154.145,"sentiment":"neutral","sentiment_score":0.04445839673280716},{"text":"About the investment change at all?","start":154.205,"end":156.46501,"sentiment":"neutral","sentiment_score":0.03964766766875982},{"text":"Yes.","start":157.90001,"end":158.40001,"sentiment":"neutral","sentiment_score":0.09284494817256927},{"text":"Did you have any, like, questions or concerns with it?","start":159.26001,"end":161.48,"sentiment":"neutral","sentiment_score":0.03261081166565418}],"sentiment":"neutral","sentiment_score":0.060918499029388555,"num_words":38,"start":142.51,"end":161.48},{"sentences":[{"text":"Or No?","start":161.48,"end":167.04001,"sentiment":"neutral","sentiment_score":-0.15121637657284737},{"text":"Yeah.","start":182.97,"end":183.47,"sentiment":"neutral","sentiment_score":-0.008135676383972168},{"text":"Yeah.","start":183.85,"end":184.35,"sentiment":"neutral","sentiment_score":-0.02696150727570057},{"text":"And it's it's obviously hard to predict.","start":184.65001,"end":187.29001,"sentiment":"neutral","sentiment_score":-0.15184440783091954},{"text":"We will wish we had a crystal ball.","start":187.29001,"end":189.07,"sentiment":"neutral","sentiment_score":-0.19769711792469025}],"sentiment":"neutral","sentiment_score":-0.15694830184312245,"num_words":19,"start":161.48,"end":189.07},{"sentences":[{"text":"You never know what's going to happen in in the market, but I guess on on a whole with everything that is going on, we have, you know, in the last twelve months, seen a bit of fluctuations.","start":189.53,"end":200.925,"sentiment":"neutral","sentiment_score":-0.1180471757328824},{"text":"Like I mentioned, first, you had everything in The US with Trump and tariffs and everything with a little bit of fluctuation.","start":200.985,"end":207.645,"sentiment":"neutral","sentiment_score":-0.06639948656613176},{"text":"And more recently, like you mentioned as well, obviously, kind of the war going on in The Middle East, seeing a bit of bit of fluctuations in the market.","start":207.785,"end":216.97,"sentiment":"neutral","sentiment_score":-0.10250711107048495},{"text":"Now with the market as a whole, when there are kind of stuff like this that would happen, you know, kind of quick political shocks, which can obviously cause a bit of fluctuations, it's typically not the whole market as a whole.","start":217.90999,"end":236.53001,"sentiment":"neutral","sentiment_score":-0.10245380586101896},{"text":"So what tends to happen is that there are certain sectors that can be more impacted than others depending on what's going on.","start":236.53001,"end":243.09001,"sentiment":"neutral","sentiment_score":-0.11094950787399126}],"sentiment":"neutral","sentiment_score":-0.10242978006891616,"num_words":154,"start":189.53,"end":243.09001},{"sentences":[{"text":"And it tends to be more of like a cyclical trend where, obviously, everything going on at the moment.","start":243.09001,"end":249.125,"sentiment":"neutral","sentiment_score":-0.07740559624998193},{"text":"Obviously, oil is a bit of a contributed through a fluctuation.","start":249.66501,"end":253.445,"sentiment":"neutral","sentiment_score":-0.08296506242318587},{"text":"So you can see, obviously, with what is going on that there can be companies that can benefit from stuff that's going on.","start":253.74501,"end":261.30002,"sentiment":"neutral","sentiment_score":0.26476875660212146},{"text":"So, obviously, you know, defense jobs and energy companies, gold is also gone up crazy at the moment.","start":261.30002,"end":267.0,"sentiment":"neutral","sentiment_score":0.08624463280042012},{"text":"So we do wanna make sure that your portfolio is balanced, and that's how it has been constructed.","start":268.98,"end":274.2,"sentiment":"neutral","sentiment_score":0.31104226658741635}],"sentiment":"neutral","sentiment_score":0.1219946469148893,"num_words":89,"start":243.09001,"end":274.2},{"sentences":[{"text":"Now you're then gonna have some industries and sectors that are going to see a bit of fluctuation while things are happening.","start":274.935,"end":282.315,"sentiment":"neutral","sentiment_score":-0.02821100147610361},{"text":"So some of the industries that can be impacted with more situations and stuff like that can be, you know, your airline and transport because, obviously, fuel cost prices are going up.","start":282.375,"end":293.78,"sentiment":"neutral","sentiment_score":-0.08791403041686863},{"text":"And then, obviously, consumer retail.","start":294.8,"end":296.74,"sentiment":"neutral","sentiment_score":0.04661983475089073},{"text":"So, obviously, inflation can have a bit of spending.","start":296.8,"end":299.3,"sentiment":"neutral","sentiment_score":-0.01988401222560141},{"text":"And we are seeing a little bit of fluctuations with your tech growth stocks if they can be a bit more sensitive to the higher interest rate.","start":300.0,"end":307.64502,"sentiment":"neutral","sentiment_score":-0.07220482991801368}],"sentiment":"neutral","sentiment_score":-0.05609766684080425,"num_words":95,"start":274.935,"end":307.64502},{"sentences":[{"text":"A lot of it is more, like I said, kind of a cyclical with what is going on, so not really big concerns to make major changes as as a whole.","start":308.665,"end":321.46002,"sentiment":"neutral","sentiment_score":-0.12021345705274612},{"text":"Now when we are looking at, you know, the market of what's happened, then we typically refer back to your your Vanguard index chart, which is one that we kind of would have gone through last under review.","start":321.6,"end":334.1,"sentiment":"neutral","sentiment_score":0.03443013494344134},{"text":"And your annual review is actually coming up in a couple of months as well.","start":334.53497,"end":337.675,"sentiment":"neutral","sentiment_score":0.08975421438614527},{"text":"So you kind of will go through a bit of an updated one, but that one is a good one because it takes you back through 1994 all the way through 2025.","start":338.055,"end":347.59497,"sentiment":"neutral","sentiment_score":0.16590449842624366},{"text":"And there's obviously been a lot of wars and different stuff happening in the world through that time.","start":347.72,"end":354.30002,"sentiment":"neutral","sentiment_score":-0.24206911938058007}],"sentiment":"neutral","sentiment_score":-0.0008974554044986837,"num_words":134,"start":308.665,"end":354.30002},{"sentences":[{"text":"And when we do look at it historically, that there are obviously things that happen which can cause a quite a rapid decline in the market and the portfolio.","start":354.92,"end":364.49503,"sentiment":"neutral","sentiment_score":-0.2989515472075035},{"text":"And, typically, we do see, though, that the the quickest changes or when the market goes up again tend to be fairly close to the biggest drops.","start":365.595,"end":376.28,"sentiment":"neutral","sentiment_score":-0.184087870573556},{"text":"So, typically, what happens is those people that are trying to time it is very hard if you're trying to time the bottom and the top of the market often lose out than if you just kind of hold steady because, yes, you'll, at times, will be down, but then you'll also take advantage of while things are down, you are buying at a cheaper price, so it also keeps going up.","start":376.74002,"end":402.78,"sentiment":"neutral","sentiment_score":-0.14350350475352672},{"text":"Does that kind of make sense?","start":402.86,"end":404.56,"sentiment":"neutral","sentiment_score":0.0034587488820155463},{"text":"Yeah.","start":406.3,"end":406.8,"sentiment":"neutral","sentiment_score":0.17696306109428406}],"sentiment":"neutral","sentiment_score":-0.17610743823978636,"num_words":135,"start":354.92,"end":406.8},{"sentences":[{"text":"So I think, like, overhaul, the investment committee and staff aren't concerned with what is going on in the world right now to make drastic changes.","start":407.34,"end":416.0,"sentiment":"neutral","sentiment_score":0.06040412660401601},{"text":"The purpose or or I guess the reason why we changed Ben Along for you was a little bit different.","start":416.92502,"end":423.185,"sentiment":"neutral","sentiment_score":0.0069650736637413505},{"text":"So not really dependent on, you know, what is going on in with, like, the war and stuff like that.","start":423.245,"end":429.84,"sentiment":"neutral","sentiment_score":-0.013266574125736952},{"text":"It was more so that when we added Benelon to your portfolio now Benelon is a managed fund.","start":430.08,"end":438.1,"sentiment":"neutral","sentiment_score":0.03865291126486328},{"text":"Do you know what that is?","start":438.72,"end":440.02,"sentiment":"neutral","sentiment_score":0.010658448562026024}],"sentiment":"neutral","sentiment_score":0.024490893073379993,"num_words":90,"start":407.34,"end":440.02},{"sentences":[{"text":"Yeah.","start":446.17502,"end":446.67502,"sentiment":"neutral","sentiment_score":0.10230958461761476},{"text":"So, essentially, to simplify it, it means that they are trying to actively buy and sell different investments in order to try to outperform the market.","start":447.215,"end":456.995,"sentiment":"neutral","sentiment_score":0.07033384448060623},{"text":"So they can cost a little bit more.","start":457.53,"end":459.28998,"sentiment":"neutral","sentiment_score":0.004466761369258165},{"text":"They have that active approach in trying to do a lot better than, like, a benchmark.","start":459.28998,"end":463.55,"sentiment":"neutral","sentiment_score":0.10569939645938575},{"text":"And they have done so the vendor line when we added it had done really well.","start":464.56998,"end":468.40997,"sentiment":"neutral","sentiment_score":0.31564959790557623}],"sentiment":"neutral","sentiment_score":0.12997473943144527,"num_words":67,"start":446.17502,"end":468.40997},{"sentences":[{"text":"They were one of the best performing fund managers at the time and have been until quite recently.","start":468.40997,"end":473.805,"sentiment":"neutral","sentiment_score":0.2848967851863967},{"text":"That was why that one was added to your portfolio.","start":474.26498,"end":476.845,"sentiment":"neutral","sentiment_score":0.18507144302129747},{"text":"Now that is the only managed fund you have.","start":477.305,"end":480.76498,"sentiment":"neutral","sentiment_score":0.13766257382101482},{"text":"The other options are your ETF.","start":480.905,"end":483.885,"sentiment":"neutral","sentiment_score":0.09767363717158635},{"text":"So these ones here are a little bit more stable in a way because you track an index.","start":484.425,"end":490.58,"sentiment":"neutral","sentiment_score":0.1595086409813828}],"sentiment":"neutral","sentiment_score":0.19139372276478125,"num_words":61,"start":468.40997,"end":490.58},{"sentences":[{"text":"So for example, one of your holdings is called iShares SMP 500.","start":491.44,"end":498.9,"sentiment":"neutral","sentiment_score":0.14733826306958994},{"text":"So how that one is different is that in that one single investment, you invest in the 500 largest companies listed in The US.","start":500.085,"end":508.985,"sentiment":"neutral","sentiment_score":0.13518813624978065},{"text":"So you're not trying to research and predict the best companies.","start":509.445,"end":514.67,"sentiment":"neutral","sentiment_score":0.11763916706497018},{"text":"You are following the biggest companies.","start":515.05,"end":517.14996,"sentiment":"neutral","sentiment_score":0.20810067653656006},{"text":"As you have a company that grows and expands and gets in through those top 500, it gets added to a list, and another company that maybe is not doing too well kind of comes out, if that makes sense.","start":517.45,"end":529.90497,"sentiment":"neutral","sentiment_score":-0.03461828865110874}],"sentiment":"neutral","sentiment_score":0.06634922341633868,"num_words":93,"start":491.44,"end":529.90497},{"sentences":[{"text":"Yeah.","start":530.685,"end":531.185,"sentiment":"neutral","sentiment_score":0.12990176677703855},{"text":"So it's a little bit smoother because you also have a lot more companies typically in these ETFs to kind of smooth things out.","start":531.32495,"end":541.02,"sentiment":"neutral","sentiment_score":0.18901385460048914},{"text":"And with your ETF portfolio, we do have different industries and sectors and also around the globe because we don't wanna put everything into one industry or one area.","start":541.26,"end":552.08,"sentiment":"neutral","sentiment_score":0.07675773175112133},{"text":"So then when something happens like now where you do have a bit of that cyclical trend, we wanna make sure that if some investments are are seeing a bit of a downturn at the moment, we don't want that to be everywhere.","start":552.22003,"end":563.48505,"sentiment":"neutral","sentiment_score":-0.1264708855644215},{"text":"So we wanna also even things out.","start":563.625,"end":566.585,"sentiment":"neutral","sentiment_score":0.03739260669265475}],"sentiment":"neutral","sentiment_score":0.016497198707209185,"num_words":104,"start":530.685,"end":566.585},{"sentences":[{"text":"So you have, for example, some investments in Europe.","start":566.585,"end":570.14,"sentiment":"neutral","sentiment_score":0.1860498438278834},{"text":"You have some around the world.","start":570.14,"end":572.14,"sentiment":"neutral","sentiment_score":0.20321608086427054},{"text":"You have some in Japan, some in The US, some in Australia.","start":572.14,"end":575.36,"sentiment":"neutral","sentiment_score":0.16696033999323845},{"text":"So you have things kind of a little bit everywhere, which is good.","start":575.74,"end":580.08,"sentiment":"positive","sentiment_score":0.38487127537910754},{"text":"And then you also have some defensive investments.","start":580.845,"end":584.305,"sentiment":"neutral","sentiment_score":0.26074574142694473}],"sentiment":"neutral","sentiment_score":0.24972003481040397,"num_words":48,"start":566.585,"end":584.305},{"sentences":[{"text":"So you have gold, for example, in your portfolio, and gold itself has gone up a lot.","start":584.365,"end":590.385,"sentiment":"neutral","sentiment_score":0.30262303615317626},{"text":"So that one has done really well.","start":590.445,"end":592.14,"sentiment":"positive","sentiment_score":0.5615889600345066},{"text":"And that is the purpose of trying to minimize fluctuations a little bit through that portfolio to kind of give you that defensive core investment, if that makes sense.","start":592.62,"end":602.96,"sentiment":"neutral","sentiment_score":0.22977817238404832},{"text":"Yeah.","start":604.395,"end":604.895,"sentiment":"neutral","sentiment_score":0.0904049277305603},{"text":"So when when we looked at that portfolio as a whole, like I said, the investment committee have done a lot of research under the different investments and if we needed to change anything.","start":605.91504,"end":614.17505,"sentiment":"neutral","sentiment_score":0.020454593879335067}],"sentiment":"neutral","sentiment_score":0.18778570970012384,"num_words":88,"start":584.365,"end":614.17505},{"sentences":[{"text":"So when we did look at Bennelong, even though they had done really well in the past, more recently, they had underperformed.","start":614.55505,"end":622.43994,"sentiment":"neutral","sentiment_score":0.07579503208398819},{"text":"And some of the reason was that they kind of made choices or beliefs in through different companies that didn't play out as they thought.","start":624.01996,"end":633.165,"sentiment":"neutral","sentiment_score":-0.005024968534708023},{"text":"And then, also, that one of the investments that they had in their portfolio was called the corporate travel group.","start":633.725,"end":641.58496,"sentiment":"neutral","sentiment_score":0.06907221948495135},{"text":"Not sure if you've heard of that on the news and stuff, but they had a bit of issues with their reporting, which actually meant that they were suspended from trading.","start":641.96497,"end":651.51,"sentiment":"neutral","sentiment_score":-0.1725260442303073},{"text":"And then yeah.","start":652.20996,"end":653.73,"sentiment":"neutral","sentiment_score":-0.0648804505666097}],"sentiment":"neutral","sentiment_score":-0.025937008323369197,"num_words":101,"start":614.55505,"end":653.73},{"sentences":[{"text":"So because of that, obviously, things fell.","start":653.73,"end":655.91,"sentiment":"neutral","sentiment_score":-0.13960999037538255},{"text":"So we did a lot of investigation on your Bend and Long Australian equity to see, well, do we have to see that coming back around again?","start":656.20996,"end":663.615,"sentiment":"neutral","sentiment_score":-0.10098538740917488},{"text":"Because we also don't wanna sell if it's kind of dropped too much either if we foresee it coming back around.","start":663.755,"end":669.375,"sentiment":"neutral","sentiment_score":-0.16989692229600178},{"text":"And when we kind of looked at everything a lot more, we all felt that it wasn't the best option.","start":669.755,"end":677.09,"sentiment":"neutral","sentiment_score":-0.2204354390501976},{"text":"There were better options out there that could do more for you.","start":677.09,"end":680.15,"sentiment":"neutral","sentiment_score":-0.1373143531382084}],"sentiment":"neutral","sentiment_score":-0.15319760666153898,"num_words":87,"start":653.73,"end":680.15},{"sentences":[{"text":"So that's why we decided to just swap your option for another one.","start":681.25,"end":688.53,"sentiment":"neutral","sentiment_score":0.0129780495682588},{"text":"Now the one that we did replace it with was BetaShares Australia 200.","start":688.53,"end":694.795,"sentiment":"neutral","sentiment_score":0.06276059580536988},{"text":"So this one here is is not the whole buying and selling.","start":695.33496,"end":699.675,"sentiment":"neutral","sentiment_score":0.046372744565208755},{"text":"It's your tracking index again.","start":700.055,"end":702.555,"sentiment":"neutral","sentiment_score":0.04487879499793053},{"text":"So it's tracking the 200 largest companies in Australia.","start":702.695,"end":708.48,"sentiment":"neutral","sentiment_score":0.06466047962506612}],"sentiment":"neutral","sentiment_score":0.04514256954336396,"num_words":52,"start":681.25,"end":708.48},{"sentences":[{"text":"So we obviously took out an Australian investment, so we wanna add another investment in Australia to get again, kind of make sure you have a well rounded portfolio.","start":708.77997,"end":717.68,"sentiment":"neutral","sentiment_score":0.09070132364486826},{"text":"And because you are not buying and selling as much, the fees are a little bit cheaper with that investment option.","start":719.085,"end":726.225,"sentiment":"neutral","sentiment_score":0.20883147844246455},{"text":"It's also a little bit smoother, and it has performed recently a lot better than Benelon.","start":726.285,"end":731.025,"sentiment":"positive","sentiment_score":0.36600272357463837},{"text":"So that was the shares Australia two hundred.","start":731.645,"end":738.5,"sentiment":"neutral","sentiment_score":0.015219565422739834},{"text":"Yeah.","start":743.2,"end":743.6,"sentiment":"neutral","sentiment_score":0.04672084003686905}],"sentiment":"neutral","sentiment_score":0.17387093831474582,"num_words":75,"start":708.77997,"end":743.6},{"sentences":[{"text":"If you do have a or if if you do find that email as well, it was on the March 13 at about 9AM.","start":743.6,"end":749.39496,"sentiment":"neutral","sentiment_score":0.0550343650393188},{"text":"It gives you a little bit more kind of in-depth into what I just went over.","start":749.855,"end":753.935,"sentiment":"neutral","sentiment_score":0.12992594530805945},{"text":"So if you do wanna see it and it's in writing there, which one we swapped for you as well.","start":753.935,"end":758.435,"sentiment":"neutral","sentiment_score":0.10711241997778416},{"text":"Yeah.","start":759.45496,"end":759.95496,"sentiment":"neutral","sentiment_score":0.16489800810813904},{"text":"So it is, yeah, a decision that we I feel is going to improve your returns a little bit and smooth things out for you, which is which is really good.","start":760.75,"end":771.79,"sentiment":"positive","sentiment_score":0.5143001406423507}],"sentiment":"neutral","sentiment_score":0.23532707232010106,"num_words":92,"start":743.6,"end":771.79},{"sentences":[{"text":"So I guess, overall of the portfolio, by making this switch, we are quite, you know, comfortable with the way that things are going and don't see any, you know, major changes with long term anyway with everything that's going on for you.","start":771.79,"end":789.66,"sentiment":"neutral","sentiment_score":0.1359805114740549},{"text":"Like, going on in the world.","start":789.81995,"end":791.18,"sentiment":"neutral","sentiment_score":0.02554993766049544},{"text":"Sorry.","start":791.18,"end":791.66,"sentiment":"neutral","sentiment_score":0.036724403500556946},{"text":"Yeah.","start":791.66,"end":792.16,"sentiment":"neutral","sentiment_score":0.14033423364162445},{"text":"And it's always good to call up as well if you do have any concerns and just talk about it.","start":794.77997,"end":799.1,"sentiment":"positive","sentiment_score":0.38142116740345955}],"sentiment":"neutral","sentiment_score":0.19444990992336206,"num_words":71,"start":771.79,"end":799.1},{"sentences":[{"text":"And I do also have here that we have your annual review coming up at around June.","start":799.1,"end":804.31995,"sentiment":"neutral","sentiment_score":0.15081247731166728},{"text":"Would you like to to bring it forward, or are you happy to kind of go through everything in a bit more detail around June?","start":805.48505,"end":813.005,"sentiment":"neutral","sentiment_score":0.14077348560094832},{"text":"Because then you've also been invested in this new investment for about three months or so so we can kind of see how things have gone for you.","start":813.005,"end":820.5,"sentiment":"neutral","sentiment_score":0.11002235087965216},{"text":"Yeah.","start":821.46,"end":821.96,"sentiment":"neutral","sentiment_score":0.05252113938331604},{"text":"Yeah.","start":822.98,"end":823.38,"sentiment":"neutral","sentiment_score":0.096298910677433}],"sentiment":"neutral","sentiment_score":0.1293415990140703,"num_words":72,"start":799.1,"end":823.38},{"sentences":[{"text":"Okay.","start":823.38,"end":823.88,"sentiment":"neutral","sentiment_score":0.17486053705215454},{"text":"Another time, we can also, you know, obviously go through everything.","start":824.74,"end":827.54,"sentiment":"neutral","sentiment_score":0.10407939891923558},{"text":"And if you you do have any concerns and reservations, we can always look to make any, you know, changes if you want to.","start":827.54,"end":835.32,"sentiment":"neutral","sentiment_score":0.09574064814175169},{"text":"But I think, at least from the time being, I think things are going, okay, especially after this change.","start":835.90497,"end":841.205,"sentiment":"neutral","sentiment_score":0.035010055099662984},{"text":"But if anything you do, if we foresee anything happening in the market, we will let you know if we feel like we need to make any other changes.","start":841.90497,"end":850.805,"sentiment":"neutral","sentiment_score":0.07849596338025455}],"sentiment":"neutral","sentiment_score":0.07808432697008054,"num_words":84,"start":823.38,"end":850.805},{"sentences":[{"text":"We'll obviously let you know and keep you up to date.","start":851.53,"end":854.19,"sentiment":"neutral","sentiment_score":0.19843493672934445},{"text":"But for the time being, we don't feel like it's necessary to make drastic changes anyway.","start":854.97003,"end":860.67004,"sentiment":"neutral","sentiment_score":-0.012253727065399289},{"text":"Yeah.","start":862.33,"end":862.83,"sentiment":"neutral","sentiment_score":0.2810295820236206},{"text":"Yeah.","start":864.255,"end":864.755,"sentiment":"neutral","sentiment_score":0.1046411544084549},{"text":"Now do you have any other questions for me at this point otherwise?","start":865.935,"end":870.675,"sentiment":"neutral","sentiment_score":0.04910983747014633}],"sentiment":"neutral","sentiment_score":0.07168626891715187,"num_words":42,"start":851.53,"end":870.675},{"sentences":[{"text":"Yeah.","start":882.67004,"end":883.17004,"sentiment":"neutral","sentiment_score":0.020308487117290497},{"text":"Yeah.","start":895.005,"end":895.245,"sentiment":"neutral","sentiment_score":-0.00940868817269802},{"text":"Yeah.","start":895.245,"end":895.745,"sentiment":"neutral","sentiment_score":-0.012582529336214066},{"text":"Yeah.","start":896.20496,"end":896.445,"sentiment":"neutral","sentiment_score":-0.006056107580661774},{"text":"No.","start":896.445,"end":896.685,"sentiment":"neutral","sentiment_score":-0.026691829785704613}],"sentiment":"neutral","sentiment_score":-0.006886133551597595,"num_words":5,"start":882.67004,"end":896.685},{"sentences":[{"text":"That's a very good question because it can be over there.","start":896.685,"end":898.845,"sentiment":"positive","sentiment_score":0.6215431852774187},{"text":"You think of gold and you think of that gold bullion, and you're like, how how do I invest in this?","start":898.845,"end":903.63,"sentiment":"neutral","sentiment_score":0.20153150920357024},{"text":"Exactly.","start":905.15,"end":905.65,"sentiment":"neutral","sentiment_score":0.28449201583862305},{"text":"So this one, it is it is a kind of a low cost investment option where you access the physical gold via the exchange stock exchange.","start":905.87,"end":915.33,"sentiment":"neutral","sentiment_score":0.20708869512264544},{"text":"So you kind of buy gold through the stock exchange.","start":915.965,"end":919.025,"sentiment":"neutral","sentiment_score":0.1657741039991379}],"sentiment":"neutral","sentiment_score":0.26660399797601975,"num_words":69,"start":896.685,"end":919.025},{"sentences":[{"text":"So, obviously, it avoids you having to have, you know, personally store store gold at home, as much as that would be nice as well.","start":919.245,"end":927.325,"sentiment":"neutral","sentiment_score":0.2700700128078461},{"text":"So it's physical gold through the stock exchange.","start":927.325,"end":931.16,"sentiment":"neutral","sentiment_score":0.08156953332945704},{"text":"Yeah.","start":933.22,"end":933.72,"sentiment":"neutral","sentiment_score":0.08551646769046783},{"text":"But it is a very good question because otherwise, it's like, oh, you you think of the physical gold bar.","start":934.58,"end":940.2,"sentiment":"neutral","sentiment_score":0.054739787988364694},{"text":"But yeah.","start":942.065,"end":942.725,"sentiment":"neutral","sentiment_score":0.03336589504033327}],"sentiment":"neutral","sentiment_score":0.1544884036494685,"num_words":56,"start":919.245,"end":942.725},{"sentences":[{"text":"Exactly.","start":943.185,"end":943.685,"sentiment":"neutral","sentiment_score":0.0807887464761734},{"text":"No.","start":945.58496,"end":945.90497,"sentiment":"neutral","sentiment_score":0.06639012694358826},{"text":"But it is a very good question.","start":945.90497,"end":947.445,"sentiment":"neutral","sentiment_score":0.19298954095159257},{"text":"Do you have any other questions for me, Jeffrey?","start":947.505,"end":950.40497,"sentiment":"neutral","sentiment_score":0.09440694749355316},{"text":"No?","start":953.58496,"end":954.0,"sentiment":"neutral","sentiment_score":-0.007184453308582306}],"sentiment":"neutral","sentiment_score":0.12318861759022663,"num_words":19,"start":943.185,"end":954.0},{"sentences":[{"text":"Okay.","start":954.24,"end":954.74,"sentiment":"neutral","sentiment_score":0.2121821641921997},{"text":"Yeah.","start":955.6,"end":956.1,"sentiment":"neutral","sentiment_score":0.1701490879058838},{"text":"You know, if you do think of anything or if you are concerned at any point, just give us a call or even send me an email, and we can book in a catch up.","start":956.24,"end":964.18,"sentiment":"neutral","sentiment_score":0.1142252864582198},{"text":"But, otherwise, I do have it here in around June that you are due for your annual review.","start":964.48,"end":970.475,"sentiment":"neutral","sentiment_score":0.1902983614967929},{"text":"So we'd give you a call around then, and we can kind of go through, you know, everything as well in, you know, a bit more detail and see if we do wanna make any changes or what's happened these last three months.","start":970.695,"end":981.035,"sentiment":"neutral","sentiment_score":0.11389352220955283}],"sentiment":"neutral","sentiment_score":0.1296225330621308,"num_words":98,"start":954.24,"end":981.035},{"sentences":[{"text":"Yeah.","start":981.15,"end":981.65,"sentiment":"neutral","sentiment_score":0.16760936379432678},{"text":"Perfect.","start":984.35004,"end":984.85004,"sentiment":"positive","sentiment_score":0.619345486164093},{"text":"Well, I will let you go and enjoy your rest of your evening, and hopefully, it's a bit calmer for you and not so stressful.","start":987.47003,"end":995.41003,"sentiment":"positive","sentiment_score":0.5396526718139648},{"text":"And I look forward to speaking with you in a couple of months.","start":995.55005,"end":999.415,"sentiment":"positive","sentiment_score":0.5479318069723936},{"text":"But like I said, if you if you do wanna have a catch up earlier, just give us a call or even send me an email as well.","start":999.415,"end":1005.435,"sentiment":"neutral","sentiment_score":0.14103043411991426}],"sentiment":"positive","sentiment_score":0.37279760722509203,"num_words":68,"start":981.15,"end":1005.435},{"sentences":[{"text":"Yeah.","start":1006.855,"end":1007.24695,"sentiment":"positive","sentiment_score":0.7040402889251709},{"text":"Perfect.","start":1008.04694,"end":1008.54694,"sentiment":"positive","sentiment_score":0.8482587337493896},{"text":"No.","start":1008.8469,"end":1009.087,"sentiment":"positive","sentiment_score":0.5698046684265137},{"text":"That is no problem at all.","start":1009.087,"end":1010.44696,"sentiment":"positive","sentiment_score":0.7301233212153116},{"text":"I look forward to speaking with you soon again.","start":1010.44696,"end":1012.54694,"sentiment":"positive","sentiment_score":0.7971194386482239}],"sentiment":"positive","sentiment_score":0.7598288092348311,"num_words":18,"start":1006.855,"end":1012.54694},{"sentences":[{"text":"Thanks.","start":1014.36694,"end":1014.8469,"sentiment":"positive","sentiment_score":0.7295111417770386},{"text":"You too.","start":1014.8469,"end":1015.647,"sentiment":"positive","sentiment_score":0.5530587136745453},{"text":"Bye.","start":1015.647,"end":1016.147,"sentiment":"positive","sentiment_score":0.39642661809921265}],"sentiment":"positive","sentiment_score":0.5580137968063354,"num_words":4,"start":1014.36694,"end":1016.147}]}}]},{"alternatives":[{"transcript":"Hi. How are you going? Good. Good. Yes. Yeah. It got through the madness traffic accidents everywhere. Mhmm. Mhmm. Seems to be fire reason ambulances on the in attendance. So, yeah, it could be. Yep. No. No. No. I've missed it. Missed it, thankfully. Yeah. It's been crazy. The hospitals are I'm code yellow. We just had the ambulances everywhere. No. All good. Yeah. Yeah. Well, you know, based on your own recommendations, obviously. Yeah. No. I I rang in because I got an email last week, and, yeah, there was a balance of something like 87,000. I was like, hang on a minute. What's going on? There's a big concern. So that's the reason I rang, but they clarified that, no, that's not the amount that's in my thankfully, I'm going, jeez. The market's gone really bad all of a sudden. Yep. Very. Yep. Yep. That's, yeah, that's a little bit better than 87. Yeah. March 13. Yes. Yes. Yeah. Yeah. No. Not really. Where where where do you see it heading? Like, do do is it better off being in a more balanced situation, or is it still gonna be able to grow? What do you think? Yes. Yeah. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yes. Definitely. Yep. Okay. Mhmm. Yep. A managed fund. Good and rough idea. Yep. Yep. Yep. Yep. Yep. Drops out. Yeah. Yep. Mhmm. Yep. Yep. Okay. Yep. Yeah. Okay. Yep. Okay. Okay. Mhmm. Yep. Yep. Yep. Okay. What were they called again? Okay. 200. Okay. Yep. Okay. Yep. Yeah. Mhmm. Yep. Okay. Yep. Good. Good. Alright. Yep. Yeah. Yep. Yeah. We can leave it until then. Yeah. That's fine. Yep. Yep. Yeah. Yep. Good. That's good. No worries. So how does the purchase or the acquisition of gold work? So, like, I know you can buy into companies and and buy into property and things like that. But how does the gold work? Like, does it it's not there physically, obviously, or I don't know how that works. Oh, yeah. Great. I'll I'll take it to your bar's home. Thanks. Okay. Yep. Yep. It would. Right. Okay. Gotcha. Yep. Yeah. Does it does it actually exist? You know? Yep. Mhmm. Okay. No. No. I I think that's pretty good. Yeah. Yep. Yeah. Yeah. Yep. That sounds good. Yeah. So thank you. Right. Awesome. Thank you very much, Veronica. Okay. Take care. 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How are you going? Good. Good. Yes.\n\nYeah. It got through the madness traffic accidents everywhere. Mhmm. Mhmm. Seems to be fire reason ambulances on the in attendance.\n\nSo, yeah, it could be. Yep. No. No. No.\n\nI've missed it. Missed it, thankfully. Yeah. It's been crazy. The hospitals are I'm code yellow.\n\nWe just had the ambulances everywhere. No. All good. Yeah. Yeah.\n\nWell, you know, based on your own recommendations, obviously. Yeah. No. I I rang in because I got an email last week, and, yeah, there was a balance of something like 87,000. I was like, hang on a minute.\n\nWhat's going on? There's a big concern. So that's the reason I rang, but they clarified that, no, that's not the amount that's in my thankfully, I'm going, jeez. The market's gone really bad all of a sudden. Yep.\n\nVery. Yep. Yep. That's, yeah, that's a little bit better than 87. Yeah.\n\nMarch 13. Yes. Yes. Yeah. Yeah.\n\nNo. Not really. Where where where do you see it heading? Like, do do is it better off being in a more balanced situation, or is it still gonna be able to grow? What do you think?\n\nYes. Yeah. Mhmm. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yes. Definitely. Yep.\n\nOkay. Mhmm. Yep. A managed fund. Good and rough idea.\n\nYep. Yep. Yep. Yep. Yep.\n\nDrops out. Yeah. Yep. Mhmm. Yep.\n\nYep. Okay. Yep. Yeah. Okay.\n\nYep. Okay. Okay. Mhmm. Yep.\n\nYep. Yep. Okay. What were they called again? Okay.\n\n200. Okay. Yep. Okay. Yep.\n\nYeah. Mhmm. Yep. Okay. Yep.\n\nGood. Good. Alright. Yep. Yeah.\n\nYep. Yeah. We can leave it until then. Yeah. That's fine.\n\nYep. Yep. Yeah. Yep. Good.\n\nThat's good. No worries. So how does the purchase or the acquisition of gold work? So, like, I know you can buy into companies and and buy into property and things like that. But how does the gold work?\n\nLike, does it it's not there physically, obviously, or I don't know how that works. Oh, yeah. Great. I'll I'll take it to your bar's home. 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again?","start":732.19,"end":733.57,"sentiment":"neutral","sentiment_score":0.01640578415244818},{"text":"Okay.","start":740.43,"end":740.93,"sentiment":"neutral","sentiment_score":0.013647736981511116}],"sentiment":"neutral","sentiment_score":0.03176977692378892,"num_words":9,"start":687.195,"end":740.93},{"sentences":[{"text":"200.","start":741.95,"end":742.69,"sentiment":"neutral","sentiment_score":0.016041405498981476},{"text":"Okay.","start":742.83,"end":743.33,"sentiment":"neutral","sentiment_score":0.03481818735599518},{"text":"Yep.","start":750.185,"end":750.685,"sentiment":"neutral","sentiment_score":0.1978051960468292},{"text":"Okay.","start":758.22,"end":758.72,"sentiment":"neutral","sentiment_score":0.11925552785396576},{"text":"Yep.","start":764.27246,"end":764.77246,"sentiment":"positive","sentiment_score":0.6286698579788208}],"sentiment":"neutral","sentiment_score":0.1993180349469185,"num_words":5,"start":741.95,"end":764.77246},{"sentences":[{"text":"Yeah.","start":770.485,"end":770.985,"sentiment":"positive","sentiment_score":0.426871120929718},{"text":"Mhmm.","start":780.965,"end":781.465,"sentiment":"neutral","sentiment_score":0.07334782183170319},{"text":"Yep.","start":787.21,"end":787.71,"sentiment":"neutral","sentiment_score":0.03970637172460556},{"text":"Okay.","start":790.09,"end":790.59,"sentiment":"neutral","sentiment_score":0.035143330693244934},{"text":"Yep.","start":792.41003,"end":792.91003,"sentiment":"neutral","sentiment_score":0.2930087149143219}],"sentiment":"neutral","sentiment_score":0.17361547201871871,"num_words":5,"start":770.485,"end":792.91003},{"sentences":[{"text":"Good.","start":792.97003,"end":793.29004,"sentiment":"positive","sentiment_score":0.6248925924301147},{"text":"Good.","start":793.29004,"end":793.77,"sentiment":"positive","sentiment_score":0.5970046520233154},{"text":"Alright.","start":793.77,"end":794.27,"sentiment":"positive","sentiment_score":0.41270071268081665},{"text":"Yep.","start":804.995,"end":805.495,"sentiment":"neutral","sentiment_score":0.11899062246084212},{"text":"Yeah.","start":819.63,"end":820.13,"sentiment":"neutral","sentiment_score":0.12413915246725082}],"sentiment":"positive","sentiment_score":0.37554554641246796,"num_words":5,"start":792.97003,"end":820.13},{"sentences":[{"text":"Yep.","start":820.19,"end":820.69,"sentiment":"neutral","sentiment_score":0.08062711358070374},{"text":"Yeah.","start":820.75,"end":820.99005,"sentiment":"neutral","sentiment_score":0.08168067038059235},{"text":"We can leave it until then.","start":820.99005,"end":822.51,"sentiment":"neutral","sentiment_score":0.06992284891506036},{"text":"Yeah.","start":822.51,"end":823.01,"sentiment":"neutral","sentiment_score":0.0757993832230568},{"text":"That's fine.","start":823.07,"end":823.97003,"sentiment":"neutral","sentiment_score":0.1487080454826355}],"sentiment":"neutral","sentiment_score":0.08682366833090782,"num_words":11,"start":820.19,"end":823.97003},{"sentences":[{"text":"Yep.","start":835.445,"end":835.765,"sentiment":"neutral","sentiment_score":0.05398986488580704},{"text":"Yep.","start":835.765,"end":836.265,"sentiment":"neutral","sentiment_score":0.057973556220531464},{"text":"Yeah.","start":841.94995,"end":842.43,"sentiment":"neutral","sentiment_score":0.01850431226193905},{"text":"Yep.","start":842.43,"end":842.93,"sentiment":"neutral","sentiment_score":0.024434521794319153},{"text":"Good.","start":861.47504,"end":861.97504,"sentiment":"positive","sentiment_score":0.34019899368286133}],"sentiment":"neutral","sentiment_score":0.0990202497690916,"num_words":5,"start":835.445,"end":861.97504},{"sentences":[{"text":"That's good.","start":862.835,"end":863.73505,"sentiment":"positive","sentiment_score":0.41056695580482483},{"text":"No worries.","start":863.955,"end":864.695,"sentiment":"neutral","sentiment_score":0.17676036059856415},{"text":"So how does the purchase or the acquisition of gold work?","start":872.0,"end":881.45996,"sentiment":"neutral","sentiment_score":0.00850309736349366},{"text":"So, like, I know you can buy into companies and and buy into property and things like that.","start":882.16,"end":888.255,"sentiment":"neutral","sentiment_score":0.027480790184603796},{"text":"But how does the gold work?","start":888.255,"end":890.65497,"sentiment":"neutral","sentiment_score":-0.017868829580644768}],"sentiment":"neutral","sentiment_score":0.04245204999087713,"num_words":39,"start":862.835,"end":890.65497},{"sentences":[{"text":"Like, does it it's not there physically, obviously, or I don't know how that works.","start":890.65497,"end":896.355,"sentiment":"neutral","sentiment_score":-0.02306302885214488},{"text":"Oh, yeah.","start":901.26,"end":901.74005,"sentiment":"neutral","sentiment_score":0.2351158857345581},{"text":"Great.","start":901.74005,"end":902.06,"sentiment":"positive","sentiment_score":0.6471161842346191},{"text":"I'll I'll take it to your bar's home.","start":902.06,"end":903.58,"sentiment":"neutral","sentiment_score":0.3172705862671137},{"text":"Thanks.","start":903.58,"end":904.08,"sentiment":"positive","sentiment_score":0.47609826922416687}],"sentiment":"neutral","sentiment_score":0.14020983267713477,"num_words":27,"start":890.65497,"end":904.08},{"sentences":[{"text":"Okay.","start":918.985,"end":919.485,"sentiment":"neutral","sentiment_score":0.20783615112304688},{"text":"Yep.","start":919.785,"end":920.285,"sentiment":"neutral","sentiment_score":0.2301061600446701},{"text":"Yep.","start":925.76,"end":926.26,"sentiment":"neutral","sentiment_score":0.30225151777267456},{"text":"It would.","start":927.76,"end":928.42,"sentiment":"neutral","sentiment_score":0.08311744406819344},{"text":"Right.","start":931.84,"end":932.24,"sentiment":"neutral","sentiment_score":0.07990168035030365}],"sentiment":"neutral","sentiment_score":0.16438839957118034,"num_words":6,"start":918.985,"end":932.24},{"sentences":[{"text":"Okay.","start":932.24,"end":932.74,"sentiment":"neutral","sentiment_score":0.07463926076889038},{"text":"Gotcha.","start":933.28,"end":933.78,"sentiment":"neutral","sentiment_score":0.08835995197296143},{"text":"Yep.","start":935.2,"end":935.7,"sentiment":"neutral","sentiment_score":0.08937319368124008},{"text":"Yeah.","start":937.76,"end":938.26,"sentiment":"neutral","sentiment_score":0.02553773857653141},{"text":"Does it does it actually exist?","start":938.745,"end":941.645,"sentiment":"neutral","sentiment_score":-0.0022915772472818694}],"sentiment":"neutral","sentiment_score":0.026416068151593208,"num_words":10,"start":932.24,"end":941.645},{"sentences":[{"text":"You know?","start":941.705,"end":942.365,"sentiment":"neutral","sentiment_score":0.005706018768250942},{"text":"Yep.","start":943.545,"end":944.045,"sentiment":"neutral","sentiment_score":0.07291632890701294},{"text":"Mhmm.","start":944.665,"end":945.165,"sentiment":"neutral","sentiment_score":0.0631961077451706},{"text":"Okay.","start":945.225,"end":945.725,"sentiment":"neutral","sentiment_score":0.07050789892673492},{"text":"No.","start":952.665,"end":952.985,"sentiment":"neutral","sentiment_score":0.00035554729402065277}],"sentiment":"neutral","sentiment_score":0.03639798673490683,"num_words":6,"start":941.705,"end":952.985},{"sentences":[{"text":"No.","start":952.985,"end":953.465,"sentiment":"neutral","sentiment_score":-0.0009857136756181717},{"text":"I I think that's pretty good.","start":953.465,"end":955.3,"sentiment":"neutral","sentiment_score":0.14584828913211823},{"text":"Yeah.","start":955.44,"end":955.94,"sentiment":"neutral","sentiment_score":0.18608978390693665},{"text":"Yep.","start":956.8,"end":957.3,"sentiment":"neutral","sentiment_score":0.11726059764623642},{"text":"Yeah.","start":964.72,"end":965.22,"sentiment":"neutral","sentiment_score":0.12946155667304993}],"sentiment":"neutral","sentiment_score":0.1306915959343314,"num_words":10,"start":952.985,"end":965.22},{"sentences":[{"text":"Yeah.","start":978.325,"end":978.825,"sentiment":"neutral","sentiment_score":0.01561586931347847},{"text":"Yep.","start":982.09,"end":982.41003,"sentiment":"neutral","sentiment_score":0.24352070689201355},{"text":"That sounds good.","start":982.41003,"end":983.55005,"sentiment":"positive","sentiment_score":0.48800479372342426},{"text":"Yeah.","start":984.25,"end":984.75,"sentiment":"positive","sentiment_score":0.4716259837150574},{"text":"So thank you.","start":984.97003,"end":992.83,"sentiment":"positive","sentiment_score":0.5583395560582479}],"sentiment":"positive","sentiment_score":0.42997728991839623,"num_words":9,"start":978.325,"end":992.83},{"sentences":[{"text":"Right.","start":1006.115,"end":1006.615,"sentiment":"positive","sentiment_score":0.5135940909385681},{"text":"Awesome.","start":1006.755,"end":1007.255,"sentiment":"positive","sentiment_score":0.8043470978736877},{"text":"Thank you very much, Veronica.","start":1007.395,"end":1009.29004,"sentiment":"positive","sentiment_score":0.8397533535957337},{"text":"Okay.","start":1013.03,"end":1013.51,"sentiment":"positive","sentiment_score":0.41525787115097046},{"text":"Take care.","start":1013.51,"end":1014.17004,"sentiment":"positive","sentiment_score":0.554300844669342}],"sentiment":"positive","sentiment_score":0.7040567517280578,"num_words":10,"start":1006.115,"end":1014.17004},{"sentences":[{"text":"Bye.","start":1015.99,"end":1016.49,"sentiment":"neutral","sentiment_score":-0.11034900695085526}],"sentiment":"neutral","sentiment_score":-0.11034900695085526,"num_words":1,"start":1015.99,"end":1016.49}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Jeffrey. Veronica from Financial.\n\nChannel 1: Hi. How are you going?\n\nChannel 0: Yeah. Good. How are you?\n\nChannel 1: Good. Good.\n\nChannel 0: Got home okay?\n\nChannel 1: Yes. Yeah. It got through the madness\n\nChannel 0: Oh, perfect.\n\nChannel 1: traffic\n\nChannel 0: How do\n\nChannel 1: accidents\n\nChannel 0: you\n\nChannel 1: everywhere.\n\nChannel 0: oh, really? Anything\n\nChannel 1: Mhmm.\n\nChannel 0: may anything major?\n\nChannel 1: Mhmm. Seems to be fire reason ambulances on the in attendance. So, yeah,\n\nChannel 0: Okay.\n\nChannel 1: it could\n\nChannel 0: Oh,\n\nChannel 1: be.\n\nChannel 0: no. That's not\n\nChannel 1: Yep.\n\nChannel 0: good. You weren't involved in anything, though?\n\nChannel 1: No. No.\n\nChannel 0: No.\n\nChannel 1: No. I've missed\n\nChannel 0: No.\n\nChannel 1: it. Missed\n\nChannel 0: That's\n\nChannel 1: it,\n\nChannel 0: not\n\nChannel 1: thankfully.\n\nChannel 0: that's good. That's good. Have you had a busy day?\n\nChannel 1: Yeah. It's been crazy. The hospitals are I'm code yellow. We just had the ambulances everywhere.\n\nChannel 0: Oh, jeez. Yeah. That's not odd. Well, I will try not to keep you for too long, especially if\n\nChannel 1: No.\n\nChannel 0: it's\n\nChannel 1: All good.\n\nChannel 0: a very busy day for you. But I did have you booked in just for a bit of a catch up. I believe you called in after the ROA, so change in the investment, but then also just to try to see if you wanted to make any changes with your portfolio otherwise. Is that right?\n\nChannel 1: Yeah. Yeah. Well, you know, based on your own recommendations, obviously. Yeah. No.\n\nI I rang in because I got an email last week, and, yeah, there was a balance of something like 87,000. I was like, hang on a minute. What's going on? There's a big concern. So that's the reason I rang, but they clarified that, no, that's not the amount\n\nChannel 0: Yes.\n\nChannel 1: that's in my\n\nChannel 0: I was\n\nChannel 1: thankfully,\n\nChannel 0: like, no.\n\nChannel 1: I'm going, jeez. The market's gone really bad all of a sudden.\n\nChannel 0: I mean, there has been a lot of obviously, a lot has happened in the last twelve months and more recently. You know, a lot has happened in the world and, you know, do\n\nChannel 1: Yep.\n\nChannel 0: things do tend to fluctuate. But, yeah, definitely not that much, and it would have been very concerning. So\n\nChannel 1: Very. Yep.\n\nChannel 0: at the moment, I just logged in to your account. You do have 272754. Definitely a lot more than that.\n\nChannel 1: Yep. That's, yeah, that's a little bit better than 87.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. Did you read the the email at all that was sent through I think it was on the March 13.\n\nChannel 1: March 13.\n\nChannel 0: Yeah. About the investment change at all?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Did you have any, like, questions or concerns with it? Or\n\nChannel 1: No. Not really.\n\nChannel 0: No?\n\nChannel 1: Where where where do you see it heading? Like, do do is it better off being in a more balanced situation, or is it still gonna be able to grow? What do you\n\nChannel 0: Yeah.\n\nChannel 1: think?\n\nChannel 0: Yeah. And it's it's obviously hard to predict. We will wish we had a crystal ball. You never\n\nChannel 1: Yes.\n\nChannel 0: know what's going to happen in in the market, but I guess on on a whole with everything that is going on, we have, you know, in the last twelve months, seen a bit of fluctuations. Like I mentioned, first, you had everything in The US with Trump and tariffs and everything with a little bit of fluctuation. And more recently, like you mentioned as well, obviously, kind of the war going on in The Middle East, seeing a bit of bit of fluctuations in the market. Now with the market as a whole, when there are kind of stuff like this that would happen, you know, kind of quick political\n\nChannel 1: Yeah.\n\nChannel 0: shocks, which can obviously cause a bit of fluctuations, it's typically not the whole market as a whole. So what tends to happen is that there are certain sectors that can be more impacted than others depending on what's\n\nChannel 1: Mhmm.\n\nChannel 0: going on. And it tends to be more of like a cyclical trend where, obviously,\n\nChannel 1: Yep.\n\nChannel 0: everything going on at the moment. Obviously, oil is a bit of a contributed through a fluctuation. So you can see, obviously, with what is going on that there can be companies that can benefit from stuff that's going on. So, obviously, you know, defense jobs and energy companies, gold is also gone up crazy at the moment. So we do wanna make sure that your portfolio is balanced,\n\nChannel 1: Yep.\n\nChannel 0: and that's how it has been constructed. Now you're\n\nChannel 1: Yep.\n\nChannel 0: then gonna have some industries and sectors that are going to see a bit of fluctuation while things are happening. So some of the industries that can be impacted with more situations and stuff like that can be, you know, your airline and transport because, obviously, fuel cost prices are going up.\n\nChannel 1: Yep.\n\nChannel 0: And then, obviously, consumer retail. So, obviously, inflation can have a bit of spending. And we are seeing a little bit of fluctuations with your tech growth stocks if they can be a bit more sensitive to the higher interest rate.\n\nChannel 1: Yep.\n\nChannel 0: A lot of it is more, like I said, kind of a cyclical with what is going on, so not really big concerns to make major changes as as a whole. Now when we are looking at, you know, the market of what's happened, then we typically refer back to your your Vanguard index chart, which is one that we kind of would have gone through last under review. And your annual\n\nChannel 1: Yep.\n\nChannel 0: review is actually coming up in a couple of months as well. So you\n\nChannel 1: Yep.\n\nChannel 0: kind of will go through a bit of an updated one, but that one is a good one because it takes you back through 1994 all the way through 2025. And there's obviously been a lot of wars and different stuff happening in the world through that\n\nChannel 1: Yeah.\n\nChannel 0: time. And when we do look at it historically, that there are obviously things that happen which can cause a quite a rapid decline in the market and the portfolio. And, typically, we do see, though, that the the quickest changes or when the market goes up again tend to be fairly close to the biggest drops. So, typically, what happens is those people that are trying to time it is very hard if you're trying to time the bottom and the top of the market often lose out than if you just kind of hold steady because, yes,\n\nChannel 1: Yep.\n\nChannel 0: you'll, at times, will be down, but then you'll also take advantage of while things are down, you are buying at a cheaper price, so it also keeps going up. Does that kind of make sense?\n\nChannel 1: Yes. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So I think, like,\n\nChannel 1: Okay.\n\nChannel 0: overhaul, the investment committee and staff aren't concerned with what is going on in the world right now to make drastic changes.\n\nChannel 1: Mhmm.\n\nChannel 0: The purpose or or I guess the reason why we changed Ben Along for you was a little bit different. So\n\nChannel 1: Yep.\n\nChannel 0: not really dependent on, you know, what is going on in with, like, the war and stuff like that. It was more so that when we added Benelon to your portfolio now Benelon is a managed fund. Do you know what that is?\n\nChannel 1: A managed fund. Good and rough idea. Yep.\n\nChannel 0: Yeah. So, essentially, to simplify it, it means that they are trying to actively buy and sell different investments in order to try to outperform the market. So they\n\nChannel 1: Yep.\n\nChannel 0: can cost a little bit more. They have that active approach in trying to do a lot better than, like, a benchmark. And\n\nChannel 1: Yep.\n\nChannel 0: they have done so the vendor line when we added it had done really well. They were one of the best performing fund managers at the time and have been until quite recently. That was why that one was added to your portfolio. Now that\n\nChannel 1: Yep.\n\nChannel 0: is the only managed fund you have. The other options are your ETF. So these ones here are a little bit more stable in a way because you track an index. So for example, one of your holdings is called iShares SMP 500. So how that one is different is that in that one single investment, you invest in the 500 largest companies listed in The US.\n\nSo you're not trying to research and predict the best companies. You are following the biggest companies.\n\nChannel 1: Yep.\n\nChannel 0: As you have a company that grows and expands and gets in through those top 500, it gets added to a list, and another company that maybe is not doing too well kind of comes out, if that\n\nChannel 1: Drops\n\nChannel 0: makes sense.\n\nChannel 1: out. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So it's a little bit smoother because you also have a lot more companies typically in these ETFs\n\nChannel 1: Mhmm.\n\nChannel 0: to kind of smooth things out. And with your ETF portfolio, we do have different industries and sectors and also around the globe because we don't wanna put everything into one industry or one area. So then when something happens like now where you do have a bit of that cyclical trend, we wanna make sure that if some investments are are seeing a bit of a downturn at the moment, we don't want that to be everywhere. So we wanna also\n\nChannel 1: Yep.\n\nChannel 0: even things out. So you have, for example, some investments in Europe. You have some around the world. You have some in Japan, some in The US, some in Australia. So you have things kind of a little bit everywhere, which is good.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have some defensive investments. So you have gold, for example, in your portfolio, and gold\n\nChannel 1: Okay.\n\nChannel 0: itself has gone up a lot. So that one has done really well.\n\nChannel 1: Yep.\n\nChannel 0: And that is the purpose of trying to minimize fluctuations a little bit through that portfolio to kind of give you that defensive core investment, if that makes sense.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. So when when we looked at that portfolio as a whole, like I said, the investment committee have done a lot of research under the different investments and if we needed to change anything. So when we did look at Bennelong, even though they had done really well in the past, more recently, they had underperformed. And some of the reason was that they kind of made choices or beliefs in through different companies that didn't play out as they thought. And then,\n\nChannel 1: Yep.\n\nChannel 0: also, that one of the investments that they had in their portfolio was called the corporate travel group. Not sure if you've heard of that on the news and stuff, but they had a bit of issues with their reporting, which actually meant that they were suspended from trading.\n\nChannel 1: Okay.\n\nChannel 0: And then\n\nChannel 1: Okay.\n\nChannel 0: yeah. So because of that, obviously, things fell. So we did a lot of investigation on your Bend and Long Australian equity to see, well, do we have to see that coming back around again? Because we also\n\nChannel 1: Mhmm.\n\nChannel 0: don't wanna sell if it's kind of dropped too much either if we foresee it coming back around. And\n\nChannel 1: Yep.\n\nChannel 0: when we kind of looked at everything a lot more, we all felt that it wasn't the best option. There were better options out there that could do more for you. So that's why we decided to just swap your option for\n\nChannel 1: Yep.\n\nChannel 0: another one. Now the one that we did replace it with was BetaShares Australia 200. So this one here is is not the whole buying and selling. It's your tracking index again. So it's tracking the 200 largest companies in Australia.\n\nSo we obviously took out an Australian investment, so we wanna add another investment in Australia to get again, kind of make sure you have a well rounded portfolio.\n\nChannel 1: Yep.\n\nChannel 0: And because you are not buying and selling as much, the fees are a little bit cheaper with that investment option. It's also a little bit smoother, and it has performed recently a lot better than Benelon. So\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: What\n\nChannel 0: was\n\nChannel 1: were they\n\nChannel 0: the\n\nChannel 1: called again?\n\nChannel 0: shares Australia two hundred.\n\nChannel 1: Okay. 200. Okay.\n\nChannel 0: Yeah. If you do have a or if if you do find that email as well, it was on the March 13 at about 9AM. It gives\n\nChannel 1: Yep.\n\nChannel 0: you a little bit more kind of in-depth into what I just went over. So if you do wanna see it and it's in writing there, which one we swapped for you as well.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it is, yeah, a decision that we I feel\n\nChannel 1: Yep.\n\nChannel 0: is going to improve your returns a little bit and smooth things out for you, which is\n\nChannel 1: Yeah.\n\nChannel 0: which is really good. So I guess, overall of the portfolio, by making this switch, we are quite, you know, comfortable with the way that things are going\n\nChannel 1: Mhmm.\n\nChannel 0: and don't see any, you know, major changes with long term anyway\n\nChannel 1: Yep.\n\nChannel 0: with everything that's going on for you. Like,\n\nChannel 1: Okay.\n\nChannel 0: going on in the world. Sorry. Yeah.\n\nChannel 1: Yep. Good. Good. Alright.\n\nChannel 0: And it's always good to call up as well if you do have any concerns and just talk about it. And I do also have here that we have your annual review coming up at around June.\n\nChannel 1: Yep.\n\nChannel 0: Would you like to to bring it forward, or are you happy to kind of go through everything in a bit more detail around June? Because then you've also been invested in this new investment for about three months or so so we can kind of see how things have gone\n\nChannel 1: Yeah.\n\nChannel 0: for you.\n\nChannel 1: Yep. Yeah. We can leave\n\nChannel 0: Yeah.\n\nChannel 1: it until then. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Okay.\n\nChannel 1: fine.\n\nChannel 0: Another time, we can also, you know, obviously go through everything. And if you you do have any concerns and reservations, we can always look to make any, you know, changes if you want to.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But I think, at least from the time being, I think things are going, okay, especially after this change. But\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: anything you do, if we foresee anything happening in the market, we will let you know if we feel like we need to make any other changes. We'll obviously let you know and keep you up to date. But for the time being, we don't feel like it's necessary to make drastic changes anyway.\n\nChannel 1: Good.\n\nChannel 0: Yeah.\n\nChannel 1: That's good. No worries.\n\nChannel 0: Yeah. Now do you have any other questions for me at this point otherwise?\n\nChannel 1: So how does the purchase or the acquisition of gold work? So,\n\nChannel 0: Yeah.\n\nChannel 1: like, I know you can buy into companies and and buy into property and things like that. But how does the gold work? Like, does it it's not there physically, obviously, or I\n\nChannel 0: Yeah.\n\nChannel 1: don't know\n\nChannel 0: Yeah.\n\nChannel 1: how that works.\n\nChannel 0: Yeah. No. That's a very good question because it can be over there. You think of gold and you think of that gold bullion, and you're\n\nChannel 1: Oh,\n\nChannel 0: like,\n\nChannel 1: yeah.\n\nChannel 0: how\n\nChannel 1: Great.\n\nChannel 0: how\n\nChannel 1: I'll\n\nChannel 0: do\n\nChannel 1: I'll take\n\nChannel 0: I invest\n\nChannel 1: it to your\n\nChannel 0: in\n\nChannel 1: bar's\n\nChannel 0: this?\n\nChannel 1: home. Thanks.\n\nChannel 0: Exactly. So this one, it is it is a kind of a low cost investment option where you access the physical gold via the exchange stock exchange. So you kind of buy gold through the stock exchange.\n\nChannel 1: Okay.\n\nChannel 0: So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, it avoids you having to have, you know, personally store store gold at home, as much as\n\nChannel 1: Yep.\n\nChannel 0: that would be nice as well. So it's\n\nChannel 1: It would.\n\nChannel 0: physical gold through the stock exchange.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Gotcha.\n\nChannel 0: But it is a very\n\nChannel 1: Yep.\n\nChannel 0: good question because otherwise, it's like, oh,\n\nChannel 1: Yeah.\n\nChannel 0: you you think of\n\nChannel 1: Does\n\nChannel 0: the physical\n\nChannel 1: it\n\nChannel 0: gold bar.\n\nChannel 1: does it actually exist? You know?\n\nChannel 0: But yeah. Exactly.\n\nChannel 1: Yep. Mhmm. Okay.\n\nChannel 0: No. But it is a very good question. Do you have any other questions for me, Jeffrey?\n\nChannel 1: No. No. I\n\nChannel 0: No?\n\nChannel 1: I think that's\n\nChannel 0: Okay.\n\nChannel 1: pretty good. Yeah.\n\nChannel 0: Yeah. You know, if\n\nChannel 1: Yep.\n\nChannel 0: you do think of anything or if you are concerned at any point, just give us a call or even send me an email, and we can book in a catch up. But,\n\nChannel 1: Yeah.\n\nChannel 0: otherwise, I do have it here in around June that you are due for your annual review. So we'd give you a call around then, and we can kind of go through, you know, everything as well in, you know, a bit more detail and see if we do wanna make\n\nChannel 1: Yeah.\n\nChannel 0: any changes or what's happened these last three months. Yeah.\n\nChannel 1: Yep. That sounds good. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: Well, I will let you go and enjoy your rest of your evening, and hopefully,\n\nChannel 1: thank\n\nChannel 0: it's a\n\nChannel 1: you.\n\nChannel 0: bit calmer for you and not so stressful. And I look forward to speaking with you in a couple of months. But like I said, if you if you do wanna have a catch up earlier, just give us a call or even send me an email as well.\n\nChannel 1: Right. Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you very much,\n\nChannel 0: Perfect.\n\nChannel 1: Veronica.\n\nChannel 0: No. That is no problem at all. I look forward to speaking with you soon again.\n\nChannel 1: Okay. Take care.\n\nChannel 0: Thanks. You too. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jeffrey.","start":1.68,"end":2.72,"sentiment":"neutral","sentiment_score":0.2834475835164388},{"text":"Veronica from Financial.","start":2.72,"end":4.1,"sentiment":"neutral","sentiment_score":0.17125587165355682}],"sentiment":"neutral","sentiment_score":0.2273517275849978,"channel":0,"num_words":6,"start":1.68,"end":4.1},{"sentences":[{"text":"Hi.","start":5.3599997,"end":5.6,"sentiment":"neutral","sentiment_score":0.2122657746076584},{"text":"How are you going?","start":5.6,"end":6.5,"sentiment":"neutral","sentiment_score":0.25025200471282005}],"sentiment":"neutral","sentiment_score":0.2426547586917877,"channel":1,"num_words":5,"start":5.3599997,"end":6.5},{"sentences":[{"text":"Yeah.","start":6.64,"end":6.96,"sentiment":"neutral","sentiment_score":0.2517206072807312},{"text":"Good.","start":6.96,"end":7.2,"sentiment":"positive","sentiment_score":0.4646419286727905},{"text":"How are 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tend to fluctuate.","start":115.770004,"end":117.630005,"sentiment":"neutral","sentiment_score":-0.13802355229854585},{"text":"But, yeah, definitely not that much, and it would have been very concerning.","start":118.305,"end":121.285,"sentiment":"negative","sentiment_score":-0.39857702071850115},{"text":"So","start":122.385,"end":122.885,"sentiment":"neutral","sentiment_score":0.031413666903972626}],"sentiment":"neutral","sentiment_score":-0.307379229680488,"channel":0,"num_words":19,"start":115.770004,"end":122.885},{"sentences":[{"text":"Very.","start":122.505005,"end":123.005005,"sentiment":"neutral","sentiment_score":0.11114563047885896},{"text":"Yep.","start":123.145004,"end":123.645004,"sentiment":"neutral","sentiment_score":0.1080218106508255}],"sentiment":"neutral","sentiment_score":0.10958372056484222,"channel":1,"num_words":2,"start":122.505005,"end":123.645004},{"sentences":[{"text":"at the moment, I just logged in to your 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you have any, like, questions or concerns with it?","start":159.26001,"end":161.48,"sentiment":"neutral","sentiment_score":0.03261081166565418},{"text":"Or","start":161.48,"end":161.5,"sentiment":"neutral","sentiment_score":-0.050463832914829254}],"sentiment":"neutral","sentiment_score":0.025058571249246597,"channel":0,"num_words":11,"start":159.26001,"end":161.5},{"sentences":[{"text":"No.","start":165.59,"end":165.83,"sentiment":"neutral","sentiment_score":-0.2437734454870224},{"text":"Not really.","start":165.83,"end":166.57,"sentiment":"neutral","sentiment_score":-0.288155272603035}],"sentiment":"neutral","sentiment_score":-0.27336133023103076,"channel":1,"num_words":3,"start":165.59,"end":166.57},{"sentences":[{"text":"No?","start":166.54001,"end":167.04001,"sentiment":"neutral","sentiment_score":-0.2519689202308655}],"sentiment":"neutral","sentiment_score":-0.2519689202308655,"channel":0,"num_words":1,"start":166.54001,"end":167.04001},{"sentences":[{"text":"Where where where do 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stressful.","start":992.35004,"end":995.41003,"sentiment":"positive","sentiment_score":0.4472655653953552},{"text":"And I look forward to speaking with you in a couple of months.","start":995.55005,"end":999.415,"sentiment":"positive","sentiment_score":0.5479318069723936},{"text":"But like I said, if you if you do wanna have a catch up earlier, just give us a call or even send me an email as 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forward to speaking with you soon again.","start":1010.44696,"end":1012.54694,"sentiment":"positive","sentiment_score":0.7971194386482239}],"sentiment":"positive","sentiment_score":0.7577887214720249,"channel":0,"num_words":16,"start":1008.8469,"end":1012.54694},{"sentences":[{"text":"Okay.","start":1013.03,"end":1013.51,"sentiment":"positive","sentiment_score":0.41525787115097046},{"text":"Take care.","start":1013.51,"end":1014.17004,"sentiment":"positive","sentiment_score":0.554300844669342}],"sentiment":"positive","sentiment_score":0.5079531868298849,"channel":1,"num_words":3,"start":1013.03,"end":1014.17004},{"sentences":[{"text":"Thanks.","start":1014.36694,"end":1014.8469,"sentiment":"positive","sentiment_score":0.7295111417770386},{"text":"You too.","start":1014.8469,"end":1015.647,"sentiment":"positive","sentiment_score":0.5530587136745453},{"text":"Bye.","start":1015.647,"end":1016.147,"sentiment":"positive","sentiment_score":0.39642661809921265}],"sentiment":"positive","sentiment_score":0.5580137968063354,"channel":0,"num_words":4,"start":1014.36694,"end":1016.147},{"sentences":[{"text":"Bye.","start":1015.99,"end":1016.49,"sentiment":"neutral","sentiment_score":-0.11034900695085526}],"sentiment":"neutral","sentiment_score":-0.11034900695085526,"channel":1,"num_words":1,"start":1015.99,"end":1016.49}]},"summary":{"result":"success","short":"A representative from Financial discusses the fluctuation of the market with Jeffrey, highlighting the importance of balancing the portfolio and avoiding a downturn in the future. The company has added Benelon to the portfolio to make it more flexible and manage the market, and the change is due to a change in the company's approach to investing. The agent explains the process of replacing an investment with a new one and offers to make any changes if needed. The customer is interested in the annual review and the physical gold, and the agent reminds them to call or email if they need to make any changes."},"intents":{"segments":[{"text":"You weren't involved in anything, though? No. No. No.","start_word":66,"end_word":74,"intents":[{"intent":"Acknowledgeing involvement","confidence_score":1.8839255e-8}]},{"text":"The hospitals are I'm code yellow. We just had the ambulances everywhere. Oh, jeez. Yeah.","start_word":99,"end_word":113,"intents":[{"intent":"Discussing hospital workload","confidence_score":0.000026126178}]},{"text":"I believe you called in after the ROA, so change in the investment, but then also just to try to see if you wanted to make any changes with your portfolio otherwise. Is that right? Yeah.","start_word":155,"end_word":190,"intents":[{"intent":"Discussing portfolio update","confidence_score":0.00018528287}]},{"text":"Well, you know, based on your own recommendations, obviously. Yeah. No. I I rang in because I got an email last week, and, yeah, there was a balance of something like 87,000. I was like, hang on a minute. What's going on? There's a big concern. So that's the reason I rang, but they clarified that, no, that's not the amount Yes.","start_word":192,"end_word":253,"intents":[{"intent":"Confirming understanding","confidence_score":0.06902212}]},{"text":"There's a big concern. So that's the reason I rang, but they clarified that, no, that's not the amount Yes.","start_word":234,"end_word":253,"intents":[{"intent":"Considering price","confidence_score":1.4231806e-7},{"intent":"Expressing concern","confidence_score":0.17221116},{"intent":"Clarifying information","confidence_score":0.0018587655}]},{"text":"The market's gone really bad all of a sudden. I mean, there has been a lot of obviously, a lot has happened in the last twelve months and more recently.","start_word":265,"end_word":294,"intents":[{"intent":"Explaining market situation","confidence_score":0.011274864}]},{"text":"About the investment change at all? Yes. Yes. Yes.","start_word":386,"end_word":394,"intents":[{"intent":"Evaluate investment change","confidence_score":0.009554172}]},{"text":"So we do wanna make sure that your portfolio is balanced, Yep.","start_word":692,"end_word":703,"intents":[{"intent":"Assess portfolio balance","confidence_score":0.13179171}]},{"text":"overhaul, the investment committee and staff aren't concerned with what is going on in the world right now to make drastic changes. Mhmm.","start_word":1090,"end_word":1112,"intents":[{"intent":"Explain investment committee's approach","confidence_score":0.011485586}]},{"text":"So when when we looked at that portfolio as a whole, like I said, the investment committee have done a lot of research under the different investments and if we needed to change anything. So when we did look at Bennelong, even though they had done really well in the past, more recently, they had underperformed.","start_word":1628,"end_word":1683,"intents":[{"intent":"Evaluate portfolio weaknesses","confidence_score":0.0020365536}]},{"text":"when we kind of looked at everything a lot more, we all felt that it wasn't the best option. There were better options out there that could do more for you. So that's why we decided to just swap your option for Yep. another one.","start_word":1824,"end_word":1868,"intents":[{"intent":"Evaluate yep options","confidence_score":0.004965746}]},{"text":"So I guess, overall of the portfolio, by making this switch, we are quite, you know, comfortable with the way that things are going Mhmm. and don't see any, you know, major changes with long term anyway Yep.","start_word":2090,"end_word":2127,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.17577915}]},{"text":"And it's always good to call up as well if you do have any concerns and just talk about it.","start_word":2147,"end_word":2166,"intents":[{"intent":"Assist with concerns","confidence_score":0.0036706517}]},{"text":"And I do also have here that we have your annual review coming up at around June. Yep.","start_word":2167,"end_word":2184,"intents":[{"intent":"Provide annual review","confidence_score":0.009797069}]},{"text":"We'll obviously let you know and keep you up to date. But for the time being, we don't feel like it's necessary to make drastic changes anyway. Good.","start_word":2340,"end_word":2367,"intents":[{"intent":"Keep customers updated","confidence_score":0.0004015892}]},{"text":"So how does the purchase or the acquisition of gold work? So, Yeah.","start_word":2387,"end_word":2399,"intents":[{"intent":"Ask about gold purchase and acquisition","confidence_score":0.086363085}]},{"text":"You think of gold and you think of that gold bullion, and you're Oh, like, yeah.","start_word":2453,"end_word":2468,"intents":[{"intent":"Discuss gold bar investment options","confidence_score":0.05515875}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Jeffrey. Veronica from Financial. Hi. How are you going? Yeah.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.2302246540784836},{"text":"Good.","start_word":12,"end_word":12,"sentiment":"positive","sentiment_score":0.4646419286727905},{"text":"How are you?","start_word":13,"end_word":15,"sentiment":"neutral","sentiment_score":0.3119937777519226},{"text":"Good. Good.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.4772452414035797},{"text":"Got home okay? Yes. Yeah. It got through the madness Oh, perfect. traffic How do accidents you everywhere. oh, really? Anything Mhmm. may anything major? Mhmm. Seems to be fire reason ambulances on the in attendance. So, yeah, Okay. it could Oh, be. no. That's not Yep. good. You weren't involved in anything, though? No. No. No. No. I've missed No. it. Missed That's it, not thankfully. that's good. That's good. Have you had a busy day? Yeah. It's been crazy. The hospitals are I'm code yellow. We just had the ambulances everywhere. Oh, jeez. Yeah. That's not odd. Well, I will try not to keep you for too long, especially if No. it's All good. a very busy day for you. But I did have you booked in just for a bit of a catch up. I believe you called in after the ROA, so change in the investment, but then also just to try to see if you wanted to make any changes with your portfolio otherwise. Is that right? Yeah. Yeah. Well, you know, based on your own recommendations, obviously. Yeah. No. I I rang in because I got an email last week, and, yeah, there was a balance of something like 87,000. I was like, hang on a minute. What's going on? There's a big concern. So that's the reason I rang, but they clarified that, no, that's not the amount Yes. that's in my I was thankfully, like, no. I'm going, jeez.","start_word":18,"end_word":264,"sentiment":"neutral","sentiment_score":-0.014566355384886265},{"text":"The market's gone really bad all of a sudden.","start_word":265,"end_word":273,"sentiment":"negative","sentiment_score":-0.3582179844379425},{"text":"I mean, there has been a lot of obviously, a lot has happened in the last twelve months and more recently. You know, a lot has happened in the world and, you know, do Yep. things do tend to fluctuate.","start_word":274,"end_word":313,"sentiment":"neutral","sentiment_score":-0.12133880648761988},{"text":"But, yeah, definitely not that much, and it would have been very concerning.","start_word":314,"end_word":326,"sentiment":"negative","sentiment_score":-0.3799307644367218},{"text":"So Very. Yep. at the moment, I just logged in to your account. You do have 272754. Definitely a lot more than that. Yep.","start_word":327,"end_word":350,"sentiment":"neutral","sentiment_score":0.17640383541584015},{"text":"That's, yeah, that's a little bit better than 87.","start_word":351,"end_word":359,"sentiment":"positive","sentiment_score":0.4203132688999176},{"text":"Yes. Yeah. Definitely. Did you read the the email at all that was sent through I think it was on the March 13. March 13. Yeah. About the investment change at all? Yes. Yes. Yes. Yeah. Yeah. Did you have any, like, questions or concerns with it? Or No. Not really. No? Where where where do you see it heading? Like, do do is it better off being in a more balanced situation, or is it still gonna be able to grow? What do you Yeah. think? Yeah. And it's it's obviously hard to predict. We will wish we had a crystal ball. You never Yes. know what's going to happen in in the market, but I guess on on a whole with everything that is going on, we have, you know, in the last twelve months, seen a bit of fluctuations. Like I mentioned, first, you had everything in The US with Trump and tariffs and everything with a little bit of fluctuation. And more recently, like you mentioned as well, obviously, kind of the war going on in The Middle East, seeing a bit of bit of fluctuations in the market. Now with the market as a whole, when there are kind of stuff like this that would happen, you know, kind of quick political Yeah. shocks, which can obviously cause a bit of fluctuations, it's typically not the whole market as a whole. So what tends to happen is that there are certain sectors that can be more impacted than others depending on what's Mhmm. going on. And it tends to be more of like a cyclical trend where, obviously, Yep. everything going on at the moment. Obviously, oil is a bit of a contributed through a fluctuation. So you can see, obviously, with what is going on that there can be companies that can benefit from stuff that's going on. So, obviously, you know, defense jobs and energy companies, gold is also gone up crazy at the moment. So we do wanna make sure that your portfolio is balanced, Yep.","start_word":360,"end_word":703,"sentiment":"neutral","sentiment_score":-0.033342135333737664},{"text":"and that's how it has been constructed.","start_word":704,"end_word":710,"sentiment":"positive","sentiment_score":0.3531930446624756},{"text":"Now you're Yep. then gonna have some industries and sectors that are going to see a bit of fluctuation while things are happening. So some of the industries that can be impacted with more situations and stuff like that can be, you know, your airline and transport because, obviously, fuel cost prices are going up. Yep. And then, obviously, consumer retail. So, obviously, inflation can have a bit of spending. And we are seeing a little bit of fluctuations with your tech growth stocks if they can be a bit more sensitive to the higher interest rate. Yep. A lot of it is more, like I said, kind of a cyclical with what is going on, so not really big concerns to make major changes as as a whole. Now when we are looking at, you know, the market of what's happened, then we typically refer back to your your Vanguard index chart, which is one that we kind of would have gone through last under review. And your annual Yep. review is actually coming up in a couple of months as well. So you Yep. kind of will go through a bit of an updated one, but that one is a good one because it takes you back through 1994 all the way through 2025. And there's obviously been a lot of wars and different stuff happening in the world through that Yeah. time. And when we do look at it historically, that there are obviously things that happen which can cause a quite a rapid decline in the market and the portfolio. And, typically, we do see, though, that the the quickest changes or when the market goes up again tend to be fairly close to the biggest drops. So, typically, what happens is those people that are trying to time it is very hard if you're trying to time the bottom and the top of the market often lose out than if you just kind of hold steady because, yes, Yep. you'll, at times, will be down, but then you'll also take advantage of while things are down, you are buying at a cheaper price, so it also keeps going up. Does that kind of make sense? Yes. Definitely. Yeah. Yep. So I think, like, Okay. overhaul, the investment committee and staff aren't concerned with what is going on in the world right now to make drastic changes. Mhmm. The purpose or or I guess the reason why we changed Ben Along for you was a little bit different. So Yep. not really dependent on, you know, what is going on in with, like, the war and stuff like that. It was more so that when we added Benelon to your portfolio now Benelon is a managed fund. Do you know what that is? A managed fund. Good and rough idea. Yep. Yeah. So, essentially, to simplify it, it means that they are trying to actively buy and sell different investments in order to try to outperform the market. So they Yep. can cost a little bit more. They have that active approach in trying to do a lot better than, like, a benchmark. And Yep. they have done so the vendor line when we added it had done really well. They were one of the best performing fund managers at the time and have been until quite recently. That was why that one was added to your portfolio. Now that Yep. is the only managed fund you have. The other options are your ETF. So these ones here are a little bit more stable in a way because you track an index. So for example, one of your holdings is called iShares SMP 500. So how that one is different is that in that one single investment, you invest in the 500 largest companies listed in The US. So you're not trying to research and predict the best companies. You are following the biggest companies. Yep. As you have a company that grows and expands and gets in through those top 500, it gets added to a list, and another company that maybe is not doing too well kind of comes out, if that Drops makes sense. out. Yeah. Yeah. Yep. So it's a little bit smoother because you also have a lot more companies typically in these ETFs Mhmm. to kind of smooth things out. And with your ETF portfolio, we do have different industries and sectors and also around the globe because we don't wanna put everything into one industry or one area. So then when something happens like now where you do have a bit of that cyclical trend, we wanna make sure that if some investments are are seeing a bit of a downturn at the moment, we don't want that to be everywhere. So we wanna also Yep. even things out. So you have, for example, some investments in Europe. You have some around the world. You have some in Japan, some in The US, some in Australia.","start_word":711,"end_word":1547,"sentiment":"neutral","sentiment_score":0.0136159057311687},{"text":"So you have things kind of a little bit everywhere, which is good.","start_word":1548,"end_word":1560,"sentiment":"positive","sentiment_score":0.389642596244812},{"text":"Yep. And then you also have some defensive investments. So you have gold, for example, in your portfolio, and gold Okay.","start_word":1561,"end_word":1581,"sentiment":"neutral","sentiment_score":0.24486355483531952},{"text":"itself has gone up a lot. So that one has done really well.","start_word":1582,"end_word":1594,"sentiment":"positive","sentiment_score":0.5004925727844238},{"text":"Yep. And that is the purpose of trying to minimize fluctuations a little bit through that portfolio to kind of give you that defensive core investment, if that makes sense. Yeah. Okay. Yeah. So when when we looked at that portfolio as a whole, like I said, the investment committee have done a lot of research under the different investments and if we needed to change anything. So when we did look at Bennelong, even though they had done really well in the past, more recently, they had underperformed. And some of the reason was that they kind of made choices or beliefs in through different companies that didn't play out as they thought. And then, Yep. also, that one of the investments that they had in their portfolio was called the corporate travel group. Not sure if you've heard of that on the news and stuff, but they had a bit of issues with their reporting, which actually meant that they were suspended from trading. Okay. And then Okay. yeah. So because of that, obviously, things fell. So we did a lot of investigation on your Bend and Long Australian equity to see, well, do we have to see that coming back around again? Because we also Mhmm. don't wanna sell if it's kind of dropped too much either if we foresee it coming back around. And Yep. when we kind of looked at everything a lot more, we all felt that it wasn't the best option. There were better options out there that could do more for you. So that's why we decided to just swap your option for Yep. another one. Now the one that we did replace it with was BetaShares Australia 200. So this one here is is not the whole buying and selling. It's your tracking index again. So it's tracking the 200 largest companies in Australia. So we obviously took out an Australian investment, so we wanna add another investment in Australia to get again, kind of make sure you have a well rounded portfolio. Yep. And because you are not buying and selling as much, the fees are a little bit cheaper with that investment option.","start_word":1595,"end_word":1958,"sentiment":"neutral","sentiment_score":0.0024561977095820093},{"text":"It's also a little bit smoother, and it has performed recently a lot better than Benelon.","start_word":1959,"end_word":1974,"sentiment":"positive","sentiment_score":0.35489773750305176},{"text":"So Okay. that What was were they the called again? shares Australia two hundred. Okay. 200. Okay. Yeah. If you do have a or if if you do find that email as well, it was on the March 13 at about 9AM. It gives Yep. you a little bit more kind of in-depth into what I just went over. So if you do wanna see it and it's in writing there, which one we swapped for you as well. Okay. Yeah.","start_word":1975,"end_word":2055,"sentiment":"neutral","sentiment_score":0.08104270696640015},{"text":"So it is, yeah, a decision that we I feel Yep. is going to improve your returns a little bit and smooth things out for you, which is Yeah. which is really good.","start_word":2056,"end_word":2088,"sentiment":"positive","sentiment_score":0.5206373333930969},{"text":"So I guess, overall of the portfolio, by making this switch, we are quite, you know, comfortable with the way that things are going Mhmm. and don't see any, you know, major changes with long term anyway Yep. with everything that's going on for you. Like, Okay. going on in the world. Sorry. Yeah. Yep.","start_word":2089,"end_word":2143,"sentiment":"neutral","sentiment_score":0.1100909560918808},{"text":"Good. Good. Alright. And it's always good to call up as well if you do have any concerns and just talk about it.","start_word":2144,"end_word":2166,"sentiment":"positive","sentiment_score":0.4152158796787262},{"text":"And I do also have here that we have your annual review coming up at around June. Yep. Would you like to to bring it forward, or are you happy to kind of go through everything in a bit more detail around June? Because then you've also been invested in this new investment for about three months or so so we can kind of see how things have gone Yeah. for you. Yep. Yeah. We can leave Yeah. it until then. Yeah. Yeah. That's Okay. fine. Another time, we can also, you know, obviously go through everything. And if you you do have any concerns and reservations, we can always look to make any, you know, changes if you want to. Yep. Yep. But I think, at least from the time being, I think things are going, okay, especially after this change. But Yeah. if Yep. anything you do, if we foresee anything happening in the market, we will let you know if we feel like we need to make any other changes. We'll obviously let you know and keep you up to date. But for the time being, we don't feel like it's necessary to make drastic changes anyway.","start_word":2167,"end_word":2366,"sentiment":"neutral","sentiment_score":0.09250254184007645},{"text":"Good.","start_word":2367,"end_word":2367,"sentiment":"positive","sentiment_score":0.34019899368286133},{"text":"Yeah.","start_word":2368,"end_word":2368,"sentiment":"neutral","sentiment_score":0.2810295820236206},{"text":"That's good.","start_word":2369,"end_word":2370,"sentiment":"positive","sentiment_score":0.40858498215675354},{"text":"No worries. Yeah. Now do you have any other questions for me at this point otherwise? So how does the purchase or the acquisition of gold work? So, Yeah. like, I know you can buy into companies and and buy into property and things like that. But how does the gold work? Like, does it it's not there physically, obviously, or I Yeah. don't know Yeah. how that works. Yeah. No.","start_word":2371,"end_word":2441,"sentiment":"neutral","sentiment_score":0.014067646116018295},{"text":"That's a very good question because it can be over there.","start_word":2442,"end_word":2452,"sentiment":"positive","sentiment_score":0.5970225930213928},{"text":"You think of gold and you think of that gold bullion, and you're Oh, like, yeah.","start_word":2453,"end_word":2468,"sentiment":"neutral","sentiment_score":0.1565568447113037},{"text":"how Great. how I'll do I'll take I invest it to your in bar's this?","start_word":2469,"end_word":2483,"sentiment":"positive","sentiment_score":0.37015658617019653},{"text":"home.","start_word":2484,"end_word":2484,"sentiment":"neutral","sentiment_score":0.10519270598888396},{"text":"Thanks.","start_word":2485,"end_word":2485,"sentiment":"positive","sentiment_score":0.47609826922416687},{"text":"Exactly. So this one, it is it is a kind of a low cost investment option where you access the physical gold via the exchange stock exchange. So you kind of buy gold through the stock exchange. Okay. So, Yep. obviously, it avoids you having to have, you know, personally store store gold at home, as much as Yep.","start_word":2486,"end_word":2544,"sentiment":"neutral","sentiment_score":0.21103252470493317},{"text":"that would be nice as well.","start_word":2545,"end_word":2550,"sentiment":"positive","sentiment_score":0.42847663164138794},{"text":"So it's It would. physical gold through the stock exchange. Right. Okay. Yeah. Gotcha. But it is a very Yep. good question because otherwise, it's like, oh, Yeah. you you think of Does the physical it gold bar. does it actually exist? You know? But yeah. Exactly. Yep. Mhmm. Okay. No. But it is a very good question. Do you have any other questions for me, Jeffrey? No. No. I No? I think that's Okay.","start_word":2551,"end_word":2625,"sentiment":"neutral","sentiment_score":0.07064975798130035},{"text":"pretty good.","start_word":2626,"end_word":2627,"sentiment":"positive","sentiment_score":0.3622899651527405},{"text":"Yeah. Yeah. You know, if you Yep. do think of anything or if you are concerned at any point, just give us a call or even send me an email, and we can book in a catch up. But, otherwise, Yeah. I do have it here in around June that you are due for your annual review. So we'd give you a call around then, and we can kind of go through, you know, everything as well in, you know, a bit more detail and see if we do wanna make Yeah. any changes or what's happened these last three months. Yeah. Yep.","start_word":2628,"end_word":2730,"sentiment":"neutral","sentiment_score":0.12831468880176544},{"text":"That sounds good. Yeah. Perfect. So Well, I will let you go and enjoy your rest of your evening, and hopefully, thank it's a you. bit calmer for you and not so stressful. And I look forward to speaking with you in a couple of months.","start_word":2731,"end_word":2776,"sentiment":"positive","sentiment_score":0.5454755425453186},{"text":"But like I said, if you if you do wanna have a catch up earlier, just give us a call or even send me an email as well.","start_word":2777,"end_word":2804,"sentiment":"neutral","sentiment_score":0.13767388463020325},{"text":"Right. Awesome. Yeah. Thank you very much, Perfect. Veronica. No. That is no problem at all. I look forward to speaking with you soon again. Okay. Take care. Thanks. You too. Bye.","start_word":2805,"end_word":2836,"sentiment":"positive","sentiment_score":0.6891759634017944},{"text":"Bye.","start_word":2837,"end_word":2837,"sentiment":"neutral","sentiment_score":0.2250756323337555}],"average":{"sentiment":"neutral","sentiment_score":0.06692002517756147}}}}