{"metadata":{"transaction_key":"deprecated","request_id":"e5d776e3-07a9-450e-80d2-fbb4532821d0","sha256":"f703e4f8c7f6904c19babfd8207fc672ffa35a5884dc7db8618ca8626fa0781f","created":"2026-02-17T06:28:18.261Z","duration":1443.528,"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":5725,"output_tokens":126},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6353,"output_tokens":6366},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6353,"output_tokens":518}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Daniel. It's Kyle calling from Financial. How are you today? Yeah. Not too bad at all. Thanks for asking. I've got you scheduled in for a bit of a follow-up from you in your view. Is now a good time for you? Perfect. If I could just pass you through security, Daniel, we'll get stuck into that, which is that name, date of birth, and current address while you got your hands full there. Brilliant. Thank you for that one, Daniel. Now I've got it down here that you mainly want to talk about insurance and then just your investments, but was there anything else specifically that you were looking to have a chat about today? Yep. Yep. Yeah. So within regards to your I'm not too sure what was spoken about during your interview, but in regards to your portfolio itself, it wasn't the whole portfolio that was, like, due to the poor performance. It was one specific actively managed fund, and you do have quite a significant weighting in that. Now, obviously, I wasn't the adviser that previously had the discussion that set up your investments. But when having it invested in those actively managed funds comes that manager risk, and you do have, like, quite a weighting to that, which even though you're in that high growth portfolio, by having an active portion in that, also increases your risk in terms of those, like, active management and what those fund managers are doing and the performance they do get. Now with that Benelong fund specifically, now they haven't been doing two crash out over the past sort of three years in terms of returns. They weren't negative by any means in that time frame. But at the end of last year, it was found out that corporate traveler, which is like a key holding that they do have in that fund, was done for not reporting correctly, like, their accounting. And as a result of that, they'll put you on a trading hold. They had to reevaluate that stock. And, obviously, when people hear about that, there's a bit of a loss of consumer confidence in the actual investment itself, which caused a key holding in your portfolio, that 30% Benelong, to take quite a a dive. And I think it was over 20% at its peak, and that occurred, like, end of last November. Now moving forward from that, there's a few options. Now you can look at holding that a bit longer to see how it recovers from that. Since it occurred, it's only probably come back around, like, three or 4% from the the biggest dip that did occur, which is still quite a bit down. So you can look at holding it a bit longer to see if it recuperates from that. As a business, we were moving away from Benelong before that time frame, so we still are looking at that. But, obviously, you'd never wanna sort of sell low by high. But yeah. But with that in general, it's like it's not an Australian equities issue. It's a fund specific issue and the investment, like, that was in it. So whether or not you take the loss and offset some capital gains from the rest of your portfolio from previous years of growth and look at doing an update now and just taking the loss and moving forward or holding that a little bit longer. And you can either look to maintain an active portion within your portfolio. I, myself, probably wouldn't put you that heavily into one specifically actively managed fund. You can normally spread it across a few or have it a little bit less. It's more of a satellite. Or you can look at going a bit more of a passive investment approach, which is lower cost. It doesn't have actively managed funds or those fund managers. It just has mainly exchange traded funds, which just encompass, like, a market. So, like, the S and P 500, you know, you've got the top 500 companies in America. It's, yeah, dynamic in the sense that it moves. Yeah. Perfect. Yep. Yep. Yep. So with that, like, Benelon themselves are a high conviction fund or at least they have been in the last five to ten years, and it's telling that they don't typically wanna change their investments up too much within that. So the rest of their underlying investments would actually be just, like, pulling the slack on that until such time they can look to remove it because they said it was on a trading hold with that and to see what corporate travel and how they recover it. That's anyone sorta guess with, like, they had to pay some compensation and things like that as well. So the future of that specific investment as well is a little bit uncertain. And as I said, as a a business as well, they were starting to move away from from Benelon just given those three years of average growth. And then this, like, kind of a cherry on top of the sense that they, will probably not be, like, looking at it and also removing away from that, as purple that do hold it in general. And, yeah, obviously, you can look to wait in that time frame to potentially recoup some of those losses. But even though you take a loss now, you potentially could be getting growth in something else for, like, those three to six months, whereas Benelon might not do much in that time frame, like, it's not of anyone's guess. You can maintain, like, a high growth level of exposure without active management as well. Like, you can still have that ninety ten split of, like, growth assets to defensive. It just means that you you won't actively be trying to outperform the market and paying that additional cost for those managers to try and do so. It just means that you're following the market and what the market's actually doing. So if the market's doing really well, if you're an index investor, your investments are doing really well. If they're sort of stalling or taking a little bit of a, you know, a dive, then your portfolio sort of follows in in turn as well, whereas those fund managers can sort of outperform during those times if they know what they're doing and are doing well. But in saying that as well, it has been quite, like, a tumultuous twelve months in general just with, like, talk with Trump and his announcement was. So all those sort of things, like, they're not sort of things that any analytics really point towards. Like, you can't tell what Trump is gonna tweet on a Monday that might affect the markets? Yep. Would you want to look at like updating your portfolio in that sense like just updating it to a fresher portfolio and removing Ben Long or replacing it with another actively managed fund or just looking to replace Ben Long itself and maybe reallocating some of those funds to the other investments? Yeah. I myself probably wouldn't wanna have 30% in one specific managed fund. So I would you'd be you'd be looking sort of more around that 10 or 15% to be on the safe side of things. Like, if it's performing well, fantastic. If it does take a dive like it did, it doesn't sort of, like, negate the growth out of your whole fund. Because in terms of, like, your other investments, like, they're obviously performing still quite well, but when you have such a a high allocation to one fund that doesn't do well, it obviously eats into that. Yep. Because I can even look with the the the losses there as well. Like I said, updating the portfolio, looking at removing bed along replacement with an alternative for a bit lower. And then with that, the CGT that across the other investments over the past three years, you'll be able to basically look at offsetting that cost a little bit, and then you can do an update now for not much cost. Whereas if you did it while everything's up, it would've cost you money anyway. Whereas if you do a refresh now, yeah, that capital gains, it kinda gets carried forward with those losses as well, which is good in that sense. And yep. Yep. And then we'll look at moving away from Benelung, which is perfect. The only other one that didn't perform too fantastic about past month actually was the global global cyber. Now Hack, they still have high conviction in moving forward. Obviously, in regards to technology and AI driven companies at the moment as well, they've all taken quite a hit. Not to say that, like, AI won't be around in the future. It's probably just more of a market correction at this point, so they still have my conviction in that. It's just, yeah, been along itself, not so much. So we'll look at replacing that with another Australian equities fund. And then the other point that I wanted to touch on there is, well, with the risk profile. So you said you're still happy with that high growth sort of allocation with that. Do you still, like, understand what high growth entails and the split and the level of risk you have with that? Yeah. I wouldn't say, like, in general, like, sort of, yes. But the the level of risk you take on, it doesn't mean that the asset class has changed too much. Like, obviously, from, like, a balance to a aggressive or a high growth, the asset class has changes quite a bit. But between, like, a growth and a high growth, the assets that you do hold aren't too different, especially within our portfolios. It's mainly the allocation. So you just have 10% more in the growth side of things and then the the defensive side of things. It's not like you're going from something like direct shares down to, like, something like fixed interest cash and things like that. And then, yeah, with that so in one in five years, you're likely to get, like, those negative returns still in those high growths, which is sort of to be, you know, expected. Sometimes you get good use, sometimes you get bad use. The markets as a whole, you know, have been a bit, like, still on the up, but been a bit average, especially the last six months with everything that has occurred. And then with that, the corporate traveler that did occur in yours is obviously the the nail in the coffin for the last six months performance. But in saying that, we'll get that updated. Hopefully, it starts forming again moving forward. You can even see from, like, April tariff talks there as well that it recovered quite nicely. So it's just one of those things. It's just market timing, which is all those, know, you don't really wanna day trade your super. Like you said, you get those sell low, buy high moments. Exactly. The other thing that I was touching on there is the the insurance side of things. So I know you do have life, and you've also topped up that life as well. It's like a split there, which for around that 1.2, and then you've got that total permanent disability. And I understand that you wanna increase your total permanent disability portion. So you said you like, you passed the five years now or coming up on sort of the five years? Yep. Because, yeah, it just depends on the the condition. So you may end up with an exclusion. So with that, we can look at rewriting a policy now or doing another top up. With that, it may carry the exclusion. It may not. So with that one there, I know you had some back on neck pain, which was due to some football thing, which I don't think was the issue. It was due to the bowel information that was the the more recent. Yeah. So did you have any diagnosis from that, or is it, like, you know Yep. Because with that, it just sort of depends on how they rate the condition. Obviously, you said that, like, with that mild irritation that it may sort of come back in future. It may still look to be an exclusion even with the time elapsed with no, like, instances of flare ups. So with that one there, I can just loosely pre assess with the insurers based on that because currently, no no symptoms, no frequencies, or anything like that. And Yep. And with the treatments, there weren't any medications. It was just diet. Yep. And did you have to take any medication or are you currently taking any medication for that? Yep. Perfect. So what we can do is based and you have no other health, like, conditions or injuries or anything that has come up since you applied for that originally or came up? Perfect. And then in regards to your role, that's largely similar. You're not doing anything additionally in regards to your your occupational role or and that 5% in the field, are you doing much manual work or you're mainly just like walking around visiting sites? Not doing it heights on any scaffolding, things like that? Because, yeah, the option, obviously, like you did with your life, you can you can look to top up cover or we can look to rewrite. Now if it looks like there might be an exclusion, it's not to say that you can't have that policy in conjunction with your your other policy and maintaining that and just having a top up with another insurer or the same insurer with that in exclusion. So I'll get them to pre assess based on that. And then with that, would you be looking at income protection or trauma insurances? Because I know you only have the life and TPD at the moment. Yep. It's probably was just due to the recency of it because it was within, like, that twelve month time frame. So we can definitely have a look. Like I said, it might still look at being an exclusion or a loading depending, but we can definitely have a look at the types of cover. And did they talk much about trauma insurance or what that is when you originally came on board? So what trauma cover is, it's an out of pocket cost. So I know at the moment, you know, with the the recent mortgage and having to pay that down, you know, plus the the kid on the way, you probably, you know, stretched a little bit out of pocket. But what it is, it's an you gotta pay for that epoxy. You can't pay through super, but it's insurance that the lump sum, similar to how TPD works, it's work for specific events. So things like heart attack, strokes, those sort of traumatic events to assist with you being able to take some time off work, pay for medical costs, or things like that in the event like anything that it did occur, and it does pay as, like, a lump sum. So generally, look at, like, a year's worth of income, whether that's before tax, after tax, to say that, basically, you know, if you had a stroke tomorrow, it means that you might not be TPD. You may end up being able to get back to work, but, you know, you probably want some time off in the meantime, and that's what that sort of payment covers. And with that, obviously, it is one of the more claimed on insurances, especially with things like, you know, certain types of cancers and things like that and those sort of diagnosis. So we can just show you what that pricing sort of looks like as a monthly amount. And So with that, it just depends on what type of cover and provider you have. So if you got diagnosed with cancer tomorrow, you don't instantly, you know, unable to work. It might get to a point where you're unable to work due to, you know, certain, like, medical requirements and things like that or whatever treatments you have to go through, but there's certain conditions where you may still be technically fit to work, especially in, like, a role that is more office based that you may wanna take some time off work, be able to deal with medical things and things like that as well. And it generally pays a lot lot quicker depending on your waiting periods and things like that as well with those conditions. Yeah. Not not a problem at all. But yeah. And with the the lump sum payment, obviously, with income protection, it's like, you know, pays monthly. You still get taxed on that as well. You still obviously get taxed on the the trauma that gets paid in a lump sum, but with that, it's a larger amount upfront. It can help pay for the things and, yeah, allow for that time off, whereas the income protection just kinda keeps you going, and it's like that 70% of your income. Perfect. And as far as, like, your fund, like, Hub twenty four, have you had any issues with it in itself? Are you happy with the fund? It's like reporting being able to jump on it. Yep. Yeah. And in saying that too, if there are certain things that you don't have access to on your account, you might be able to ask us because our one's a little bit more comprehensive than, like, the version that you get as a client versus, like, an adviser. So we have access to a few other features there as well. But in saying that as well with the the insurance there, you said just on the 1.2, are you happy with that? Is it, like, a flat amount that you're trying to reach? Or Mortgage plus rent sum? Yeah. No. Not a problem. And then, yeah, obviously, because with that, sometimes you can look to do income replacement, especially if you're the soap breadwinner and things like that as well. Does your partner obviously having the kid probably not at the moment or leading up to, but does she still work as well? Yeah. Yeah. Understandable. If she was, like, a stay at home mom and things like that, something was to happen to you, you might wanna look to ensure for a little bit more just in the event that, you know, you weren't able to work. But if she is still providing an income at the end of the day, obviously, you know, taking some time off for the kids out of out of the picture. But, yeah, still able to earn an income there as well. That that's fun. Perfect. And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things? Perfect. Obviously, if anything comes back with the the insurances, whether or not they'll offer cover and exclusions, we might just give you a little buzz just to touch base and see how you'd like to proceed with that. Otherwise, I'll get a start on the research for the the investments and things like that as well. And then following that, we'll eventually get you booked in to present that advice piece for you. No problem, Daniel. But if anything pops up in the the meantime there, feel free to give us a buzz that you wanna have a chat about. But is there anything else that you wanna have a chat about that we didn't cover there today? Yeah. Yeah. Exactly. Obviously, it's unfortunate what did occur. As I said, the past three years, Benoit wasn't doing to to crush up for a managed fund. They're still making a return. But, yeah, that that announcement of corporate travel, like, as I said, nail in the coffin sort of put it into any sort of growth it did see over that time frame. But it's always the future and you've got time on your side, so that's the bonus. Exactly. Well, I'll let you get back to your afternoon. Good luck with the the the kids running around and then the one on the way, and we'll talk soon. Thanks, mate. Bye 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afternoon, Daniel. It's Kyle calling from Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I've got you scheduled in for a bit of a follow-up from you in your view. Is now a good time for you? Perfect. If I could just pass you through security, Daniel, we'll get stuck into that, which is that name, date of birth, and current address while you got your hands full there.\n\nBrilliant. Thank you for that one, Daniel. Now I've got it down here that you mainly want to talk about insurance and then just your investments, but was there anything else specifically that you were looking to have a chat about today? Yep. Yep.\n\nYeah. So within regards to your I'm not too sure what was spoken about during your interview, but in regards to your portfolio itself, it wasn't the whole portfolio that was, like, due to the poor performance. It was one specific actively managed fund, and you do have quite a significant weighting in that. Now, obviously, I wasn't the adviser that previously had the discussion that set up your investments. But when having it invested in those actively managed funds comes that manager risk, and you do have, like, quite a weighting to that, which even though you're in that high growth portfolio, by having an active portion in that, also increases your risk in terms of those, like, active management and what those fund managers are doing and the performance they do get.\n\nNow with that Benelong fund specifically, now they haven't been doing two crash out over the past sort of three years in terms of returns. They weren't negative by any means in that time frame. But at the end of last year, it was found out that corporate traveler, which is like a key holding that they do have in that fund, was done for not reporting correctly, like, their accounting. And as a result of that, they'll put you on a trading hold. They had to reevaluate that stock.\n\nAnd, obviously, when people hear about that, there's a bit of a loss of consumer confidence in the actual investment itself, which caused a key holding in your portfolio, that 30% Benelong, to take quite a a dive. And I think it was over 20% at its peak, and that occurred, like, end of last November. Now moving forward from that, there's a few options. Now you can look at holding that a bit longer to see how it recovers from that. Since it occurred, it's only probably come back around, like, three or 4% from the the biggest dip that did occur, which is still quite a bit down.\n\nSo you can look at holding it a bit longer to see if it recuperates from that. As a business, we were moving away from Benelong before that time frame, so we still are looking at that. But, obviously, you'd never wanna sort of sell low by high. But yeah. But with that in general, it's like it's not an Australian equities issue.\n\nIt's a fund specific issue and the investment, like, that was in it. So whether or not you take the loss and offset some capital gains from the rest of your portfolio from previous years of growth and look at doing an update now and just taking the loss and moving forward or holding that a little bit longer. And you can either look to maintain an active portion within your portfolio. I, myself, probably wouldn't put you that heavily into one specifically actively managed fund. You can normally spread it across a few or have it a little bit less.\n\nIt's more of a satellite. Or you can look at going a bit more of a passive investment approach, which is lower cost. It doesn't have actively managed funds or those fund managers. It just has mainly exchange traded funds, which just encompass, like, a market. So, like, the S and P 500, you know, you've got the top 500 companies in America.\n\nIt's, yeah, dynamic in the sense that it moves. Yeah. Perfect. Yep. Yep.\n\nYep. So with that, like, Benelon themselves are a high conviction fund or at least they have been in the last five to ten years, and it's telling that they don't typically wanna change their investments up too much within that. So the rest of their underlying investments would actually be just, like, pulling the slack on that until such time they can look to remove it because they said it was on a trading hold with that and to see what corporate travel and how they recover it. That's anyone sorta guess with, like, they had to pay some compensation and things like that as well. So the future of that specific investment as well is a little bit uncertain.\n\nAnd as I said, as a a business as well, they were starting to move away from from Benelon just given those three years of average growth. And then this, like, kind of a cherry on top of the sense that they, will probably not be, like, looking at it and also removing away from that, as purple that do hold it in general. And, yeah, obviously, you can look to wait in that time frame to potentially recoup some of those losses. But even though you take a loss now, you potentially could be getting growth in something else for, like, those three to six months, whereas Benelon might not do much in that time frame, like, it's not of anyone's guess. You can maintain, like, a high growth level of exposure without active management as well.\n\nLike, you can still have that ninety ten split of, like, growth assets to defensive. It just means that you you won't actively be trying to outperform the market and paying that additional cost for those managers to try and do so. It just means that you're following the market and what the market's actually doing. So if the market's doing really well, if you're an index investor, your investments are doing really well. If they're sort of stalling or taking a little bit of a, you know, a dive, then your portfolio sort of follows in in turn as well, whereas those fund managers can sort of outperform during those times if they know what they're doing and are doing well.\n\nBut in saying that as well, it has been quite, like, a tumultuous twelve months in general just with, like, talk with Trump and his announcement was. So all those sort of things, like, they're not sort of things that any analytics really point towards. Like, you can't tell what Trump is gonna tweet on a Monday that might affect the markets? Yep. Would you want to look at like updating your portfolio in that sense like just updating it to a fresher portfolio and removing Ben Long or replacing it with another actively managed fund or just looking to replace Ben Long itself and maybe reallocating some of those funds to the other investments?\n\nYeah. I myself probably wouldn't wanna have 30% in one specific managed fund. So I would you'd be you'd be looking sort of more around that 10 or 15% to be on the safe side of things. Like, if it's performing well, fantastic. If it does take a dive like it did, it doesn't sort of, like, negate the growth out of your whole fund.\n\nBecause in terms of, like, your other investments, like, they're obviously performing still quite well, but when you have such a a high allocation to one fund that doesn't do well, it obviously eats into that. Yep. Because I can even look with the the the losses there as well. Like I said, updating the portfolio, looking at removing bed along replacement with an alternative for a bit lower. And then with that, the CGT that across the other investments over the past three years, you'll be able to basically look at offsetting that cost a little bit, and then you can do an update now for not much cost.\n\nWhereas if you did it while everything's up, it would've cost you money anyway. Whereas if you do a refresh now, yeah, that capital gains, it kinda gets carried forward with those losses as well, which is good in that sense. And yep. Yep. And then we'll look at moving away from Benelung, which is perfect.\n\nThe only other one that didn't perform too fantastic about past month actually was the global global cyber. Now Hack, they still have high conviction in moving forward. Obviously, in regards to technology and AI driven companies at the moment as well, they've all taken quite a hit. Not to say that, like, AI won't be around in the future. It's probably just more of a market correction at this point, so they still have my conviction in that.\n\nIt's just, yeah, been along itself, not so much. So we'll look at replacing that with another Australian equities fund. And then the other point that I wanted to touch on there is, well, with the risk profile. So you said you're still happy with that high growth sort of allocation with that. Do you still, like, understand what high growth entails and the split and the level of risk you have with that?\n\nYeah. I wouldn't say, like, in general, like, sort of, yes. But the the level of risk you take on, it doesn't mean that the asset class has changed too much. Like, obviously, from, like, a balance to a aggressive or a high growth, the asset class has changes quite a bit. But between, like, a growth and a high growth, the assets that you do hold aren't too different, especially within our portfolios.\n\nIt's mainly the allocation. So you just have 10% more in the growth side of things and then the the defensive side of things. It's not like you're going from something like direct shares down to, like, something like fixed interest cash and things like that. And then, yeah, with that so in one in five years, you're likely to get, like, those negative returns still in those high growths, which is sort of to be, you know, expected. Sometimes you get good use, sometimes you get bad use.\n\nThe markets as a whole, you know, have been a bit, like, still on the up, but been a bit average, especially the last six months with everything that has occurred. And then with that, the corporate traveler that did occur in yours is obviously the the nail in the coffin for the last six months performance. But in saying that, we'll get that updated. Hopefully, it starts forming again moving forward. You can even see from, like, April tariff talks there as well that it recovered quite nicely.\n\nSo it's just one of those things. It's just market timing, which is all those, know, you don't really wanna day trade your super. Like you said, you get those sell low, buy high moments. Exactly. The other thing that I was touching on there is the the insurance side of things.\n\nSo I know you do have life, and you've also topped up that life as well. It's like a split there, which for around that 1.2, and then you've got that total permanent disability. And I understand that you wanna increase your total permanent disability portion. So you said you like, you passed the five years now or coming up on sort of the five years? Yep.\n\nBecause, yeah, it just depends on the the condition. So you may end up with an exclusion. So with that, we can look at rewriting a policy now or doing another top up. With that, it may carry the exclusion. It may not.\n\nSo with that one there, I know you had some back on neck pain, which was due to some football thing, which I don't think was the issue. It was due to the bowel information that was the the more recent. Yeah. So did you have any diagnosis from that, or is it, like, you know Yep. Because with that, it just sort of depends on how they rate the condition.\n\nObviously, you said that, like, with that mild irritation that it may sort of come back in future. It may still look to be an exclusion even with the time elapsed with no, like, instances of flare ups. So with that one there, I can just loosely pre assess with the insurers based on that because currently, no no symptoms, no frequencies, or anything like that. And Yep. And with the treatments, there weren't any medications.\n\nIt was just diet. Yep. And did you have to take any medication or are you currently taking any medication for that? Yep. Perfect.\n\nSo what we can do is based and you have no other health, like, conditions or injuries or anything that has come up since you applied for that originally or came up? Perfect. And then in regards to your role, that's largely similar. You're not doing anything additionally in regards to your your occupational role or and that 5% in the field, are you doing much manual work or you're mainly just like walking around visiting sites? Not doing it heights on any scaffolding, things like that?\n\nBecause, yeah, the option, obviously, like you did with your life, you can you can look to top up cover or we can look to rewrite. Now if it looks like there might be an exclusion, it's not to say that you can't have that policy in conjunction with your your other policy and maintaining that and just having a top up with another insurer or the same insurer with that in exclusion. So I'll get them to pre assess based on that. And then with that, would you be looking at income protection or trauma insurances? Because I know you only have the life and TPD at the moment.\n\nYep. It's probably was just due to the recency of it because it was within, like, that twelve month time frame. So we can definitely have a look. Like I said, it might still look at being an exclusion or a loading depending, but we can definitely have a look at the types of cover. And did they talk much about trauma insurance or what that is when you originally came on board?\n\nSo what trauma cover is, it's an out of pocket cost. So I know at the moment, you know, with the the recent mortgage and having to pay that down, you know, plus the the kid on the way, you probably, you know, stretched a little bit out of pocket. But what it is, it's an you gotta pay for that epoxy. You can't pay through super, but it's insurance that the lump sum, similar to how TPD works, it's work for specific events. So things like heart attack, strokes, those sort of traumatic events to assist with you being able to take some time off work, pay for medical costs, or things like that in the event like anything that it did occur, and it does pay as, like, a lump sum.\n\nSo generally, look at, like, a year's worth of income, whether that's before tax, after tax, to say that, basically, you know, if you had a stroke tomorrow, it means that you might not be TPD. You may end up being able to get back to work, but, you know, you probably want some time off in the meantime, and that's what that sort of payment covers. And with that, obviously, it is one of the more claimed on insurances, especially with things like, you know, certain types of cancers and things like that and those sort of diagnosis. So we can just show you what that pricing sort of looks like as a monthly amount. And So with that, it just depends on what type of cover and provider you have.\n\nSo if you got diagnosed with cancer tomorrow, you don't instantly, you know, unable to work. It might get to a point where you're unable to work due to, you know, certain, like, medical requirements and things like that or whatever treatments you have to go through, but there's certain conditions where you may still be technically fit to work, especially in, like, a role that is more office based that you may wanna take some time off work, be able to deal with medical things and things like that as well. And it generally pays a lot lot quicker depending on your waiting periods and things like that as well with those conditions. Yeah. Not not a problem at all.\n\nBut yeah. And with the the lump sum payment, obviously, with income protection, it's like, you know, pays monthly. You still get taxed on that as well. You still obviously get taxed on the the trauma that gets paid in a lump sum, but with that, it's a larger amount upfront. It can help pay for the things and, yeah, allow for that time off, whereas the income protection just kinda keeps you going, and it's like that 70% of your income.\n\nPerfect. And as far as, like, your fund, like, Hub twenty four, have you had any issues with it in itself? Are you happy with the fund? It's like reporting being able to jump on it. Yep.\n\nYeah. And in saying that too, if there are certain things that you don't have access to on your account, you might be able to ask us because our one's a little bit more comprehensive than, like, the version that you get as a client versus, like, an adviser. So we have access to a few other features there as well. But in saying that as well with the the insurance there, you said just on the 1.2, are you happy with that? Is it, like, a flat amount that you're trying to reach?\n\nOr Mortgage plus rent sum? Yeah. No. Not a problem. And then, yeah, obviously, because with that, sometimes you can look to do income replacement, especially if you're the soap breadwinner and things like that as well.\n\nDoes your partner obviously having the kid probably not at the moment or leading up to, but does she still work as well? Yeah. Yeah. Understandable. If she was, like, a stay at home mom and things like that, something was to happen to you, you might wanna look to ensure for a little bit more just in the event that, you know, you weren't able to work.\n\nBut if she is still providing an income at the end of the day, obviously, you know, taking some time off for the kids out of out of the picture. But, yeah, still able to earn an income there as well. That that's fun. Perfect. And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things?\n\nPerfect. Obviously, if anything comes back with the the insurances, whether or not they'll offer cover and exclusions, we might just give you a little buzz just to touch base and see how you'd like to proceed with that. Otherwise, I'll get a start on the research for the the investments and things like that as well. And then following that, we'll eventually get you booked in to present that advice piece for you. No problem, Daniel.\n\nBut if anything pops up in the the meantime there, feel free to give us a buzz that you wanna have a chat about. But is there anything else that you wanna have a chat about that we didn't cover there today? Yeah. Yeah. Exactly.\n\nObviously, it's unfortunate what did occur. As I said, the past three years, Benoit wasn't doing to to crush up for a managed fund. They're still making a return. But, yeah, that that announcement of corporate travel, like, as I said, nail in the coffin sort of put it into any sort of growth it did see over that time frame. But it's always the future and you've got time on your side, so that's the bonus.\n\nExactly. Well, I'll let you get back to your afternoon. Good luck with the the the kids running around and then the one on the way, and we'll talk soon. Thanks, mate. Bye now.","paragraphs":[{"sentences":[{"text":"Good afternoon, Daniel.","start":3.1999998,"end":4.08,"sentiment":"positive","sentiment_score":0.3351389865080516},{"text":"It's Kyle calling from Financial.","start":4.08,"end":5.38,"sentiment":"neutral","sentiment_score":0.2051032841205597},{"text":"How are you today?","start":5.52,"end":6.42,"sentiment":"neutral","sentiment_score":0.21658966690301895},{"text":"Yeah.","start":8.639999,"end":9.04,"sentiment":"neutral","sentiment_score":0.14195941388607025},{"text":"Not too bad at all.","start":9.04,"end":9.679999,"sentiment":"neutral","sentiment_score":0.251420783996582}],"sentiment":"neutral","sentiment_score":0.23868641008933386,"num_words":18,"start":3.1999998,"end":9.679999},{"sentences":[{"text":"Thanks for asking.","start":9.679999,"end":10.559999,"sentiment":"positive","sentiment_score":0.6684465010960897},{"text":"I've got you scheduled in for a bit of a follow-up from you in your view.","start":10.559999,"end":12.88,"sentiment":"positive","sentiment_score":0.35662633180618286},{"text":"Is now a good time for you?","start":12.88,"end":14.145,"sentiment":"positive","sentiment_score":0.35825158442769733},{"text":"Perfect.","start":17.185001,"end":17.685001,"sentiment":"positive","sentiment_score":0.5932590961456299},{"text":"If I could just pass you through security, Daniel, we'll get stuck into that, which is that name, date of birth, and current address while you got your hands full there.","start":19.025002,"end":25.525002,"sentiment":"neutral","sentiment_score":0.22402988181960198}],"sentiment":"neutral","sentiment_score":0.30616047130576496,"num_words":58,"start":9.679999,"end":25.525002},{"sentences":[{"text":"Brilliant.","start":37.44,"end":37.92,"sentiment":"positive","sentiment_score":0.6264362335205078},{"text":"Thank you for that one, Daniel.","start":37.92,"end":39.22,"sentiment":"positive","sentiment_score":0.6478971739610037},{"text":"Now I've got it down here that you mainly want to talk about insurance and then just your investments, but was there anything else specifically that you were looking to have a chat about today?","start":39.52,"end":49.285,"sentiment":"neutral","sentiment_score":0.09549810854451997},{"text":"Yep.","start":62.32,"end":62.82,"sentiment":"neutral","sentiment_score":-0.056431811302900314},{"text":"Yep.","start":74.735,"end":75.235,"sentiment":"neutral","sentiment_score":0.07344207912683487}],"sentiment":"neutral","sentiment_score":0.17893780327656053,"num_words":44,"start":37.44,"end":75.235},{"sentences":[{"text":"Yeah.","start":79.07,"end":79.31,"sentiment":"neutral","sentiment_score":-0.05850259214639664},{"text":"So within regards to your I'm not too sure what was spoken about during your interview, but in regards to your portfolio itself, it wasn't the whole portfolio that was, like, due to the poor performance.","start":79.31,"end":91.485,"sentiment":"neutral","sentiment_score":-0.1871293332013819},{"text":"It was one specific actively managed fund, and you do have quite a significant weighting in that.","start":91.485,"end":95.885,"sentiment":"neutral","sentiment_score":-0.15446272273274028},{"text":"Now, obviously, I wasn't the adviser that previously had the discussion that set up your investments.","start":95.885,"end":101.025,"sentiment":"neutral","sentiment_score":-0.14467833936214447},{"text":"But when having it invested in those actively managed funds comes that manager risk, and you do have, like, quite a weighting to that, which even though you're in that high growth portfolio, by having an active portion in that, also increases your risk in terms of those, like, active management and what those fund managers are doing and the performance they do get.","start":101.165,"end":120.840004,"sentiment":"negative","sentiment_score":-0.4045602541882545}],"sentiment":"neutral","sentiment_score":-0.2808039893410099,"num_words":134,"start":79.07,"end":120.840004},{"sentences":[{"text":"Now with that Benelong fund specifically, now they haven't been doing two crash out over the past sort of three years in terms of returns.","start":121.06,"end":129.145,"sentiment":"negative","sentiment_score":-0.35582064628601073},{"text":"They weren't negative by any means in that time frame.","start":129.145,"end":131.565,"sentiment":"neutral","sentiment_score":-0.28407119065523145},{"text":"But at the end of last year, it was found out that corporate traveler, which is like a key holding that they do have in that fund, was done for not reporting correctly, like, their accounting.","start":131.785,"end":142.45999,"sentiment":"neutral","sentiment_score":-0.30783345219161773},{"text":"And as a result of that, they'll put you on a trading hold.","start":142.84,"end":145.64,"sentiment":"negative","sentiment_score":-0.47916694100086504},{"text":"They had to reevaluate that stock.","start":145.64,"end":147.23999,"sentiment":"negative","sentiment_score":-0.4119732280572255}],"sentiment":"negative","sentiment_score":-0.3502137993772825,"num_words":90,"start":121.06,"end":147.23999},{"sentences":[{"text":"And, obviously, when people hear about that, there's a bit of a loss of consumer confidence in the actual investment itself, which caused a key holding in your portfolio, that 30% Benelong, to take quite a a dive.","start":147.23999,"end":159.28499,"sentiment":"negative","sentiment_score":-0.48486276206217316},{"text":"And I think it was over 20% at its peak, and that occurred, like, end of last November.","start":159.28499,"end":164.34499,"sentiment":"neutral","sentiment_score":-0.3027901119656033},{"text":"Now moving forward from that, there's a few options.","start":164.48499,"end":168.39,"sentiment":"neutral","sentiment_score":-0.016915558526913326},{"text":"Now you can look at holding that a bit longer to see how it recovers from that.","start":169.01,"end":173.01,"sentiment":"neutral","sentiment_score":-0.060777728829313725},{"text":"Since it occurred, it's only probably come back around, like, three or 4% from the the biggest dip that did occur, which is still quite a bit down.","start":173.01,"end":181.545,"sentiment":"neutral","sentiment_score":-0.178564954282982}],"sentiment":"neutral","sentiment_score":-0.2732753373682499,"num_words":110,"start":147.23999,"end":181.545},{"sentences":[{"text":"So you can look at holding it a bit longer to see if it recuperates from that.","start":182.325,"end":186.105,"sentiment":"neutral","sentiment_score":-0.07343127819545128},{"text":"As a business, we were moving away from Benelong before that time frame, so we still are looking at that.","start":186.485,"end":191.765,"sentiment":"neutral","sentiment_score":-0.15800866074860095},{"text":"But, obviously, you'd never wanna sort of sell low by high.","start":191.765,"end":195.33,"sentiment":"neutral","sentiment_score":-0.22533784400333057},{"text":"But yeah.","start":195.33,"end":196.53,"sentiment":"neutral","sentiment_score":-0.03586467728018761},{"text":"But with that in general, it's like it's not an Australian equities issue.","start":196.53,"end":200.69,"sentiment":"neutral","sentiment_score":-0.019407093704033356}],"sentiment":"neutral","sentiment_score":-0.11446417144514502,"num_words":63,"start":182.325,"end":200.69},{"sentences":[{"text":"It's a fund specific issue and the investment, like, that was in it.","start":200.69,"end":204.825,"sentiment":"neutral","sentiment_score":0.033243604290943876},{"text":"So whether or not you take the loss and offset some capital gains from the rest of your portfolio from previous years of growth and look at doing an update now and just taking the loss and moving forward or holding that a little bit longer.","start":204.825,"end":220.02,"sentiment":"neutral","sentiment_score":-0.017472560476997624},{"text":"And you can either look to maintain an active portion within your portfolio.","start":220.02,"end":223.96,"sentiment":"neutral","sentiment_score":0.05654735261431107},{"text":"I, myself, probably wouldn't put you that heavily into one specifically actively managed fund.","start":224.34,"end":229.875,"sentiment":"neutral","sentiment_score":-0.0905278774776629},{"text":"You can normally spread it across a few or have it a little bit less.","start":230.595,"end":233.315,"sentiment":"neutral","sentiment_score":0.013209362079699834}],"sentiment":"neutral","sentiment_score":-0.00698718015510257,"num_words":101,"start":200.69,"end":233.315},{"sentences":[{"text":"It's more of a satellite.","start":233.315,"end":234.455,"sentiment":"neutral","sentiment_score":0.050440138578414916},{"text":"Or you can look at going a bit more of a passive investment approach, which is lower cost.","start":234.755,"end":239.555,"sentiment":"neutral","sentiment_score":0.1349269395901097},{"text":"It doesn't have actively managed funds or those fund managers.","start":239.555,"end":242.695,"sentiment":"neutral","sentiment_score":0.007865734770894051},{"text":"It just has mainly exchange traded funds, which just encompass, like, a market.","start":243.33,"end":248.87001,"sentiment":"neutral","sentiment_score":0.044541257505233474},{"text":"So, like, the S and P 500, you know, you've got the top 500 companies in America.","start":249.09001,"end":252.93001,"sentiment":"neutral","sentiment_score":0.10261803887346212}],"sentiment":"neutral","sentiment_score":0.08068390415301399,"num_words":63,"start":233.315,"end":252.93001},{"sentences":[{"text":"It's, yeah, dynamic in the sense that it moves.","start":252.93001,"end":255.645,"sentiment":"neutral","sentiment_score":0.1701133499542872},{"text":"Yeah.","start":255.80501,"end":256.125,"sentiment":"neutral","sentiment_score":0.22894059121608737},{"text":"Perfect.","start":256.125,"end":256.625,"sentiment":"positive","sentiment_score":0.3879464268684387},{"text":"Yep.","start":258.765,"end":259.265,"sentiment":"neutral","sentiment_score":0.0915180891752243},{"text":"Yep.","start":271.42,"end":271.92,"sentiment":"neutral","sentiment_score":-0.1673598289489746}],"sentiment":"neutral","sentiment_score":0.1593896482999508,"num_words":13,"start":252.93001,"end":271.92},{"sentences":[{"text":"Yep.","start":272.7,"end":273.2,"sentiment":"neutral","sentiment_score":-0.05488916859030723},{"text":"So with that, like, Benelon themselves are a high conviction fund or at least they have been in the last five to ten years, and it's telling that they don't typically wanna change their investments up too much within that.","start":281.51498,"end":294.235,"sentiment":"neutral","sentiment_score":-0.21272584088146687},{"text":"So the rest of their underlying investments would actually be just, like, pulling the slack on that until such time they can look to remove it because they said it was on a trading hold with that and to see what corporate travel and how they recover it.","start":294.235,"end":306.99,"sentiment":"neutral","sentiment_score":-0.23332220424587527},{"text":"That's anyone sorta guess with, like, they had to pay some compensation and things like that as well.","start":306.99,"end":311.565,"sentiment":"negative","sentiment_score":-0.33777840104367995},{"text":"So the future of that specific investment as well is a little bit uncertain.","start":312.98502,"end":316.525,"sentiment":"negative","sentiment_score":-0.5255463953529086}],"sentiment":"neutral","sentiment_score":-0.27438883769733846,"num_words":121,"start":272.7,"end":316.525},{"sentences":[{"text":"And as I said, as a a business as well, they were starting to move away from from Benelon just given those three years of average growth.","start":317.14502,"end":325.405,"sentiment":"neutral","sentiment_score":-0.23044828435888998},{"text":"And then this, like, kind of a cherry on top of the sense that they, will probably not be, like, looking at it and also removing away from that, as purple that do hold it in general.","start":325.58,"end":335.68,"sentiment":"neutral","sentiment_score":-0.23473810626042857},{"text":"And, yeah, obviously, you can look to wait in that time frame to potentially recoup some of those losses.","start":336.78,"end":342.095,"sentiment":"neutral","sentiment_score":-0.05086019203851098},{"text":"But even though you take a loss now, you potentially could be getting growth in something else for, like, those three to six months, whereas Benelon might not do much in that time frame, like, it's not of anyone's guess.","start":342.095,"end":353.075,"sentiment":"neutral","sentiment_score":-0.2204548353329301},{"text":"You can maintain, like, a high growth level of exposure without active management as well.","start":383.32,"end":387.96,"sentiment":"neutral","sentiment_score":0.14328041598200797}],"sentiment":"neutral","sentiment_score":-0.16335322051916434,"num_words":138,"start":317.14502,"end":387.96},{"sentences":[{"text":"Like, you can still have that ninety ten split of, like, growth assets to defensive.","start":387.96,"end":391.74,"sentiment":"neutral","sentiment_score":0.09667810748020808},{"text":"It just means that you you won't actively be trying to outperform the market and paying that additional cost for those managers to try and do so.","start":392.235,"end":398.955,"sentiment":"neutral","sentiment_score":-0.026221148945667124},{"text":"It just means that you're following the market and what the market's actually doing.","start":398.955,"end":402.875,"sentiment":"neutral","sentiment_score":0.08378758707216807},{"text":"So if the market's doing really well, if you're an index investor, your investments are doing really well.","start":402.875,"end":407.455,"sentiment":"neutral","sentiment_score":0.08776593580842018},{"text":"If they're sort of stalling or taking a little bit of a, you know, a dive, then your portfolio sort of follows in in turn as well, whereas those fund managers can sort of outperform during those times if they know what they're doing and are doing well.","start":408.13,"end":420.84998,"sentiment":"neutral","sentiment_score":-0.05842658147836725}],"sentiment":"neutral","sentiment_score":0.0056601454366426,"num_words":122,"start":387.96,"end":420.84998},{"sentences":[{"text":"But in saying that as well, it has been quite, like, a tumultuous twelve months in general just with, like, talk with Trump and his announcement was.","start":420.84998,"end":431.345,"sentiment":"neutral","sentiment_score":-0.24347906918437393},{"text":"So all those sort of things, like, they're not sort of things that any analytics really point towards.","start":432.04498,"end":437.085,"sentiment":"neutral","sentiment_score":-0.1489963908162382},{"text":"Like, you can't tell what Trump is gonna tweet on a Monday that might affect the markets?","start":437.085,"end":442.28998,"sentiment":"neutral","sentiment_score":-0.11230387209969409},{"text":"Yep.","start":467.74,"end":467.97998,"sentiment":"neutral","sentiment_score":0.06482730805873871},{"text":"Would you want to look at like updating your portfolio in that sense like just updating it to a fresher portfolio and removing Ben Long or replacing it with another actively managed fund or just looking to replace Ben Long itself and maybe reallocating some of those funds to the other investments?","start":467.97998,"end":483.695,"sentiment":"neutral","sentiment_score":0.01594676707799618}],"sentiment":"neutral","sentiment_score":-0.08931283941087516,"num_words":115,"start":420.84998,"end":483.695},{"sentences":[{"text":"Yeah.","start":498.49002,"end":498.99002,"sentiment":"neutral","sentiment_score":-0.020696088671684265},{"text":"I myself probably wouldn't wanna have 30% in one specific managed fund.","start":499.41498,"end":503.435,"sentiment":"neutral","sentiment_score":-0.09721504275997479},{"text":"So I would you'd be you'd be looking sort of more around that 10 or 15% to be on the safe side of things.","start":503.735,"end":509.655,"sentiment":"neutral","sentiment_score":0.019595989026129246},{"text":"Like, if it's performing well, fantastic.","start":509.655,"end":511.255,"sentiment":"neutral","sentiment_score":0.2525528110563755},{"text":"If it does take a dive like it did, it doesn't sort of, like, negate the growth out of your whole fund.","start":511.255,"end":516.86005,"sentiment":"neutral","sentiment_score":-0.08694690973921256}],"sentiment":"neutral","sentiment_score":-0.017145969432133895,"num_words":65,"start":498.49002,"end":516.86005},{"sentences":[{"text":"Because in terms of, like, your other investments, like, they're obviously performing still quite well, but when you have such a a high allocation to one fund that doesn't do well, it obviously eats into that.","start":517.88,"end":527.325,"sentiment":"neutral","sentiment_score":-0.28776865804360974},{"text":"Yep.","start":555.195,"end":555.51495,"sentiment":"neutral","sentiment_score":0.16628766059875488},{"text":"Because I can even look with the the the losses there as well.","start":555.51495,"end":558.875,"sentiment":"neutral","sentiment_score":0.11500364140822338},{"text":"Like I said, updating the portfolio, looking at removing bed along replacement with an alternative for a bit lower.","start":558.875,"end":565.615,"sentiment":"neutral","sentiment_score":0.07853452880915843},{"text":"And then with that, the CGT that across the other investments over the past three years, you'll be able to basically look at offsetting that cost a little bit, and then you can do an update now for not much cost.","start":566.39,"end":578.47003,"sentiment":"neutral","sentiment_score":0.14906267667325532}],"sentiment":"neutral","sentiment_score":-0.00995100817897103,"num_words":110,"start":517.88,"end":578.47003},{"sentences":[{"text":"Whereas if you did it while everything's up, it would've cost you money anyway.","start":578.47003,"end":581.705,"sentiment":"neutral","sentiment_score":-0.11265855229326657},{"text":"Whereas if you do a refresh now, yeah, that capital gains, it kinda gets carried forward with those losses as well, which is good in that sense.","start":581.765,"end":589.305,"sentiment":"neutral","sentiment_score":0.29726369458216206},{"text":"And yep.","start":590.165,"end":594.68,"sentiment":"neutral","sentiment_score":0.17973967641592026},{"text":"Yep.","start":598.18,"end":598.58,"sentiment":"neutral","sentiment_score":0.09822043031454086},{"text":"And then we'll look at moving away from Benelung, which is perfect.","start":598.58,"end":602.44,"sentiment":"neutral","sentiment_score":0.11032224850108226}],"sentiment":"neutral","sentiment_score":0.14697262119235738,"num_words":56,"start":578.47003,"end":602.44},{"sentences":[{"text":"The only other one that didn't perform too fantastic about past month actually was the global global cyber.","start":602.58,"end":609.015,"sentiment":"neutral","sentiment_score":-0.11073800010813607},{"text":"Now Hack, they still have high conviction in moving forward.","start":609.795,"end":612.595,"sentiment":"neutral","sentiment_score":0.019452137872576714},{"text":"Obviously, in regards to technology and AI driven companies at the moment as well, they've all taken quite a hit.","start":612.595,"end":618.135,"sentiment":"neutral","sentiment_score":-0.24938297718763353},{"text":"Not to say that, like, AI won't be around in the future.","start":618.275,"end":621.235,"sentiment":"neutral","sentiment_score":-0.25451308488845825},{"text":"It's probably just more of a market correction at this point, so they still have my conviction in that.","start":621.235,"end":625.55005,"sentiment":"neutral","sentiment_score":-0.18440803650178408}],"sentiment":"neutral","sentiment_score":-0.16891559340719936,"num_words":79,"start":602.58,"end":625.55005},{"sentences":[{"text":"It's just, yeah, been along itself, not so much.","start":626.09,"end":628.73004,"sentiment":"neutral","sentiment_score":-0.10110499378707674},{"text":"So we'll look at replacing that with another Australian equities fund.","start":628.73004,"end":632.27,"sentiment":"neutral","sentiment_score":-0.015058992494067008},{"text":"And then the other point that I wanted to touch on there is, well, with the risk profile.","start":634.82495,"end":640.185,"sentiment":"neutral","sentiment_score":0.00621726063804494},{"text":"So you said you're still happy with that high growth sort of allocation with that.","start":640.185,"end":643.38495,"sentiment":"neutral","sentiment_score":0.12401760071516037},{"text":"Do you still, like, understand what high growth entails and the split and the level of risk you have with that?","start":643.38495,"end":649.2,"sentiment":"neutral","sentiment_score":-0.03272655038606553}],"sentiment":"neutral","sentiment_score":0.002828693007924468,"num_words":74,"start":626.09,"end":649.2},{"sentences":[{"text":"Yeah.","start":662.575,"end":662.97504,"sentiment":"neutral","sentiment_score":-0.007636766880750656},{"text":"I wouldn't say, like, in general, like, sort of, yes.","start":662.97504,"end":666.335,"sentiment":"neutral","sentiment_score":-0.029144882410764694},{"text":"But the the level of risk you take on, it doesn't mean that the asset class has changed too much.","start":666.335,"end":672.09503,"sentiment":"neutral","sentiment_score":-0.12335703000426293},{"text":"Like, obviously, from, like, a balance to a aggressive or a high growth, the asset class has changes quite a bit.","start":672.09503,"end":677.81,"sentiment":"neutral","sentiment_score":-0.06378052667492912},{"text":"But between, like, a growth and a high growth, the assets that you do hold aren't too different, especially within our portfolios.","start":678.27,"end":684.11005,"sentiment":"neutral","sentiment_score":0.04378334229642695}],"sentiment":"neutral","sentiment_score":-0.04246464487467263,"num_words":74,"start":662.575,"end":684.11005},{"sentences":[{"text":"It's mainly the allocation.","start":684.11005,"end":685.73004,"sentiment":"neutral","sentiment_score":0.10692961141467094},{"text":"So you just have 10% more in the growth side of things and then the the defensive side of things.","start":685.95,"end":691.355,"sentiment":"neutral","sentiment_score":0.11906238347291946},{"text":"It's not like you're going from something like direct shares down to, like, something like fixed interest cash and things like that.","start":691.355,"end":698.415,"sentiment":"neutral","sentiment_score":-0.09143357232890346},{"text":"And then, yeah, with that so in one in five years, you're likely to get, like, those negative returns still in those high growths, which is sort of to be, you know, expected.","start":700.57,"end":708.81,"sentiment":"negative","sentiment_score":-0.43652320314537396},{"text":"Sometimes you get good use, sometimes you get bad use.","start":708.81,"end":711.39,"sentiment":"neutral","sentiment_score":-0.2997388541698456}],"sentiment":"neutral","sentiment_score":-0.18657558114173706,"num_words":89,"start":684.11005,"end":711.39},{"sentences":[{"text":"The markets as a whole, you know, have been a bit, like, still on the up, but been a bit average, especially the last six months with everything that has occurred.","start":711.45,"end":719.065,"sentiment":"neutral","sentiment_score":-0.28076446729321636},{"text":"And then with that, the corporate traveler that did occur in yours is obviously the the nail in the coffin for the last six months performance.","start":720.485,"end":726.72504,"sentiment":"neutral","sentiment_score":-0.2037913868060479},{"text":"But in saying that, we'll get that updated.","start":726.72504,"end":728.57,"sentiment":"neutral","sentiment_score":0.11654862901195884},{"text":"Hopefully, it starts forming again moving forward.","start":728.57,"end":730.99,"sentiment":"positive","sentiment_score":0.5099160075187683},{"text":"You can even see from, like, April tariff talks there as well that it recovered quite nicely.","start":732.57,"end":736.91,"sentiment":"neutral","sentiment_score":0.32237781847224517}],"sentiment":"neutral","sentiment_score":-0.045169107239232974,"num_words":89,"start":711.45,"end":736.91},{"sentences":[{"text":"So it's just one of those things.","start":736.97,"end":738.81,"sentiment":"neutral","sentiment_score":0.026438913707222258},{"text":"It's just market timing, which is all those, know, you don't really wanna day trade your super.","start":738.81,"end":742.645,"sentiment":"neutral","sentiment_score":-0.11491994888466947},{"text":"Like you said, you get those sell low, buy high moments.","start":742.645,"end":745.305,"sentiment":"neutral","sentiment_score":-0.08098675683140755},{"text":"Exactly.","start":768.59503,"end":769.09503,"sentiment":"positive","sentiment_score":0.3432173728942871},{"text":"The other thing that I was touching on there is the the insurance side of things.","start":771.715,"end":775.47504,"sentiment":"neutral","sentiment_score":-0.008784225792624056}],"sentiment":"neutral","sentiment_score":-0.0472452173081155,"num_words":52,"start":736.97,"end":775.47504},{"sentences":[{"text":"So I know you do have life, and you've also topped up that life as well.","start":775.47504,"end":780.76996,"sentiment":"neutral","sentiment_score":0.14221301767975092},{"text":"It's like a split there, which for around that 1.2, and then you've got that total permanent disability.","start":780.76996,"end":785.00995,"sentiment":"neutral","sentiment_score":-0.003280145892252525},{"text":"And I understand that you wanna increase your total permanent disability portion.","start":785.00995,"end":788.55,"sentiment":"neutral","sentiment_score":0.05201726841429869},{"text":"So you said you like, you passed the five years now or coming up on sort of the five years?","start":830.75,"end":835.32996,"sentiment":"neutral","sentiment_score":-0.0327554726973176},{"text":"Yep.","start":839.165,"end":839.665,"sentiment":"neutral","sentiment_score":0.019564244896173477}],"sentiment":"neutral","sentiment_score":0.032910860727416044,"num_words":67,"start":775.47504,"end":839.665},{"sentences":[{"text":"Because, yeah, it just depends on the the condition.","start":840.125,"end":843.08496,"sentiment":"neutral","sentiment_score":-0.12023915019300249},{"text":"So you may end up with an exclusion.","start":843.08496,"end":845.105,"sentiment":"neutral","sentiment_score":-0.30472809448838234},{"text":"So with that, we can look at rewriting a policy now or doing another top up.","start":845.805,"end":850.94,"sentiment":"neutral","sentiment_score":-0.16466891625896096},{"text":"With that, it may carry the exclusion.","start":851.08,"end":852.92,"sentiment":"neutral","sentiment_score":-0.19616645574569702},{"text":"It may not.","start":852.92,"end":853.82,"sentiment":"neutral","sentiment_score":-0.2072111815214157}],"sentiment":"neutral","sentiment_score":-0.18952275587375775,"num_words":43,"start":840.125,"end":853.82},{"sentences":[{"text":"So with that one there, I know you had some back on neck pain, which was due to some football thing, which I don't think was the issue.","start":855.16,"end":862.04,"sentiment":"neutral","sentiment_score":-0.20063530041703156},{"text":"It was due to the bowel information that was the the more recent.","start":862.04,"end":865.215,"sentiment":"neutral","sentiment_score":-0.1300623158995922},{"text":"Yeah.","start":865.59503,"end":865.995,"sentiment":"neutral","sentiment_score":0.004577727988362312},{"text":"So did you have any diagnosis from that, or is it, like, you know Yep.","start":865.995,"end":891.705,"sentiment":"neutral","sentiment_score":-0.05350390374660492},{"text":"Because with that, it just sort of depends on how they rate the condition.","start":891.705,"end":894.985,"sentiment":"neutral","sentiment_score":-0.1467425301671028}],"sentiment":"neutral","sentiment_score":-0.14311232068903848,"num_words":71,"start":855.16,"end":894.985},{"sentences":[{"text":"Obviously, you said that, like, with that mild irritation that it may sort of come back in future.","start":894.985,"end":899.565,"sentiment":"negative","sentiment_score":-0.3709743171930313},{"text":"It may still look to be an exclusion even with the time elapsed with no, like, instances of flare ups.","start":899.865,"end":907.35,"sentiment":"neutral","sentiment_score":-0.3081664189696312},{"text":"So with that one there, I can just loosely pre assess with the insurers based on that because currently, no no symptoms, no frequencies, or anything like that.","start":908.93,"end":920.225,"sentiment":"neutral","sentiment_score":0.04237665036427123},{"text":"And Yep.","start":920.225,"end":922.025,"sentiment":"neutral","sentiment_score":0.04440976865589619},{"text":"And with the treatments, there weren't any medications.","start":922.145,"end":924.405,"sentiment":"neutral","sentiment_score":0.06041112984530628}],"sentiment":"neutral","sentiment_score":-0.14581856977096513,"num_words":76,"start":894.985,"end":924.405},{"sentences":[{"text":"It was just diet.","start":924.545,"end":925.685,"sentiment":"neutral","sentiment_score":0.07126733846962452},{"text":"Yep.","start":928.96,"end":929.2,"sentiment":"neutral","sentiment_score":0.11756116151809692},{"text":"And did you have to take any medication or are you currently taking any medication for that?","start":929.2,"end":932.74,"sentiment":"neutral","sentiment_score":0.01660846622989458},{"text":"Yep.","start":939.2,"end":939.7,"sentiment":"neutral","sentiment_score":0.2768915891647339},{"text":"Perfect.","start":940.25494,"end":940.75494,"sentiment":"positive","sentiment_score":0.5478579998016357}],"sentiment":"neutral","sentiment_score":0.06290516792796552,"num_words":24,"start":924.545,"end":940.75494},{"sentences":[{"text":"So what we can do is based and you have no other health, like, conditions or injuries or anything that has come up since you applied for that originally or came up?","start":941.055,"end":948.675,"sentiment":"neutral","sentiment_score":0.07384690060280263},{"text":"Perfect.","start":950.975,"end":951.475,"sentiment":"neutral","sentiment_score":0.2706426978111267},{"text":"And then in regards to your role, that's largely similar.","start":951.535,"end":954.25494,"sentiment":"neutral","sentiment_score":0.05048915352672338},{"text":"You're not doing anything additionally in regards to your your occupational role or and that 5% in the field, are you doing much manual work or you're mainly just like walking around visiting sites?","start":954.25494,"end":970.41003,"sentiment":"neutral","sentiment_score":-0.03776709351907758},{"text":"Not doing it heights on any scaffolding, things like that?","start":978.045,"end":980.785,"sentiment":"neutral","sentiment_score":-0.10812661498785019}],"sentiment":"neutral","sentiment_score":0.008888364630355233,"num_words":87,"start":941.055,"end":980.785},{"sentences":[{"text":"Because, yeah, the option, obviously, like you did with your life, you can you can look to top up cover or we can look to rewrite.","start":983.82,"end":989.76,"sentiment":"neutral","sentiment_score":-0.05262097945580116},{"text":"Now if it looks like there might be an exclusion, it's not to say that you can't have that policy in conjunction with your your other policy and maintaining that and just having a top up with another insurer or the same insurer with that in exclusion.","start":989.82,"end":1003.915,"sentiment":"neutral","sentiment_score":-0.07137660896207423},{"text":"So I'll get them to pre assess based on that.","start":1004.055,"end":1006.795,"sentiment":"neutral","sentiment_score":0.053485479578375815},{"text":"And then with that, would you be looking at income protection or trauma insurances?","start":1007.09503,"end":1010.455,"sentiment":"neutral","sentiment_score":-0.01498435637248414},{"text":"Because I know you only have the life and TPD at the moment.","start":1010.455,"end":1013.115,"sentiment":"neutral","sentiment_score":-0.1389168965128752}],"sentiment":"neutral","sentiment_score":-0.056397199410606516,"num_words":110,"start":983.82,"end":1013.115},{"sentences":[{"text":"Yep.","start":1021.3,"end":1021.69995,"sentiment":"neutral","sentiment_score":0.018527092412114143},{"text":"It's probably was just due to the recency of it because it was within, like, that twelve month time frame.","start":1021.69995,"end":1026.36,"sentiment":"neutral","sentiment_score":0.001526228804141283},{"text":"So we can definitely have a look.","start":1026.4199,"end":1028.0399,"sentiment":"neutral","sentiment_score":0.22709075680800847},{"text":"Like I said, it might still look at being an exclusion or a loading depending, but we can definitely have a look at the types of cover.","start":1028.1,"end":1036.7949,"sentiment":"neutral","sentiment_score":0.04681677178100303},{"text":"And did they talk much about trauma insurance or what that is when you originally came on board?","start":1036.7949,"end":1041.21,"sentiment":"neutral","sentiment_score":-0.0011549963512354428}],"sentiment":"neutral","sentiment_score":0.03947876534131292,"num_words":73,"start":1021.3,"end":1041.21},{"sentences":[{"text":"So what trauma cover is, it's an out of pocket cost.","start":1043.61,"end":1046.1699,"sentiment":"neutral","sentiment_score":-0.22035909511826254},{"text":"So I know at the moment, you know, with the the recent mortgage and having to pay that down, you know, plus the the kid on the way, you probably, you know, stretched a little bit out of pocket.","start":1046.1699,"end":1057.445,"sentiment":"neutral","sentiment_score":-0.12087968421670106},{"text":"But what it is, it's an you gotta pay for that epoxy.","start":1057.445,"end":1059.645,"sentiment":"neutral","sentiment_score":-0.11149724945425987},{"text":"You can't pay through super, but it's insurance that the lump sum, similar to how TPD works, it's work for specific events.","start":1059.645,"end":1068.69,"sentiment":"neutral","sentiment_score":0.033686084249480205},{"text":"So things like heart attack, strokes, those sort of traumatic events to assist with you being able to take some time off work, pay for medical costs, or things like that in the event like anything that it did occur, and it does pay as, like, a lump sum.","start":1068.69,"end":1080.63,"sentiment":"neutral","sentiment_score":0.027128676180632746}],"sentiment":"neutral","sentiment_score":-0.04816410329220887,"num_words":133,"start":1043.61,"end":1080.63},{"sentences":[{"text":"So generally, look at, like, a year's worth of income, whether that's before tax, after tax, to say that, basically, you know, if you had a stroke tomorrow, it means that you might not be TPD.","start":1081.33,"end":1092.295,"sentiment":"neutral","sentiment_score":0.020129043673579063},{"text":"You may end up being able to get back to work, but, you know, you probably want some time off in the meantime, and that's what that sort of payment covers.","start":1092.295,"end":1099.36,"sentiment":"neutral","sentiment_score":0.03786489535723963},{"text":"And with that, obviously, it is one of the more claimed on insurances, especially with things like, you know, certain types of cancers and things like that and those sort of diagnosis.","start":1099.4199,"end":1110.6749,"sentiment":"neutral","sentiment_score":-0.0483994941751007},{"text":"So we can just show you what that pricing sort of looks like as a monthly amount.","start":1110.895,"end":1114.735,"sentiment":"neutral","sentiment_score":0.030534029226092732},{"text":"And So with that, it just depends on what type of cover and provider you have.","start":1114.735,"end":1138.205,"sentiment":"neutral","sentiment_score":-0.021652400260791183}],"sentiment":"neutral","sentiment_score":0.003956921268113409,"num_words":132,"start":1081.33,"end":1138.205},{"sentences":[{"text":"So if you got diagnosed with cancer tomorrow, you don't instantly, you know, unable to work.","start":1138.205,"end":1144.385,"sentiment":"neutral","sentiment_score":-0.1534309390699491},{"text":"It might get to a point where you're unable to work due to, you know, certain, like, medical requirements and things like that or whatever treatments you have to go through, but there's certain conditions where you may still be technically fit to work, especially in, like, a role that is more office based that you may wanna take some time off work, be able to deal with medical things and things like that as well.","start":1144.445,"end":1166.645,"sentiment":"neutral","sentiment_score":-0.10843579478463844},{"text":"And it generally pays a lot lot quicker depending on your waiting periods and things like that as well with those conditions.","start":1167.1849,"end":1172.565,"sentiment":"neutral","sentiment_score":-0.022406707771799782},{"text":"Yeah.","start":1178.96,"end":1179.46,"sentiment":"neutral","sentiment_score":0.09902281314134598},{"text":"Not not a problem at all.","start":1179.68,"end":1180.72,"sentiment":"neutral","sentiment_score":0.13976502418518066}],"sentiment":"neutral","sentiment_score":-0.08472190116924688,"num_words":121,"start":1138.205,"end":1180.72},{"sentences":[{"text":"But yeah.","start":1180.72,"end":1181.12,"sentiment":"neutral","sentiment_score":0.06887916475534439},{"text":"And with the the lump sum payment, obviously, with income protection, it's like, you know, pays monthly.","start":1181.12,"end":1185.68,"sentiment":"neutral","sentiment_score":0.06316060638603042},{"text":"You still get taxed on that as well.","start":1185.68,"end":1187.04,"sentiment":"neutral","sentiment_score":0.03904205234721303},{"text":"You still obviously get taxed on the the trauma that gets paid in a lump sum, but with that, it's a larger amount upfront.","start":1187.04,"end":1194.955,"sentiment":"neutral","sentiment_score":0.059905292155841984},{"text":"It can help pay for the things and, yeah, allow for that time off, whereas the income protection just kinda keeps you going, and it's like that 70% of your income.","start":1195.095,"end":1204.59,"sentiment":"neutral","sentiment_score":0.05870589782153406}],"sentiment":"neutral","sentiment_score":0.05831018172022773,"num_words":82,"start":1180.72,"end":1204.59},{"sentences":[{"text":"Perfect.","start":1211.87,"end":1212.37,"sentiment":"positive","sentiment_score":0.5174875855445862},{"text":"And as far as, like, your fund, like, Hub twenty four, have you had any issues with it in itself?","start":1212.75,"end":1218.35,"sentiment":"neutral","sentiment_score":0.15583155639469623},{"text":"Are you happy with the fund?","start":1218.35,"end":1220.0149,"sentiment":"neutral","sentiment_score":0.14223991831143698},{"text":"It's like reporting being able to jump on it.","start":1220.0149,"end":1222.395,"sentiment":"positive","sentiment_score":0.3827853202819824},{"text":"Yep.","start":1228.2949,"end":1228.7949,"sentiment":"neutral","sentiment_score":0.2178508937358856}],"sentiment":"neutral","sentiment_score":0.22028316215083404,"num_words":37,"start":1211.87,"end":1228.7949},{"sentences":[{"text":"Yeah.","start":1259.38,"end":1259.88,"sentiment":"neutral","sentiment_score":0.13186347484588623},{"text":"And in saying that too, if there are certain things that you don't have access to on your account, you might be able to ask us because our one's a little bit more comprehensive than, like, the version that you get as a client versus, like, an adviser.","start":1259.9401,"end":1271.355,"sentiment":"neutral","sentiment_score":0.09285265323705971},{"text":"So we have access to a few other features there as well.","start":1272.235,"end":1276.255,"sentiment":"neutral","sentiment_score":0.17008903622627258},{"text":"But in saying that as well with the the insurance there, you said just on the 1.2, are you happy with that?","start":1277.835,"end":1284.155,"sentiment":"neutral","sentiment_score":0.16311566802588376},{"text":"Is it, like, a flat amount that you're trying to reach?","start":1284.155,"end":1286.315,"sentiment":"neutral","sentiment_score":0.08870949765497987}],"sentiment":"neutral","sentiment_score":0.1190873237841941,"num_words":94,"start":1259.38,"end":1286.315},{"sentences":[{"text":"Or Mortgage plus rent sum?","start":1286.315,"end":1294.21,"sentiment":"neutral","sentiment_score":0.059386081993579865},{"text":"Yeah.","start":1294.21,"end":1294.71,"sentiment":"neutral","sentiment_score":0.12411638349294662},{"text":"No.","start":1295.8099,"end":1296.13,"sentiment":"neutral","sentiment_score":0.15508073568344116},{"text":"Not a problem.","start":1296.13,"end":1297.03,"sentiment":"neutral","sentiment_score":0.18600905934969583},{"text":"And then, yeah, obviously, because with that, sometimes you can look to do income replacement, especially if you're the soap breadwinner and things like that as well.","start":1298.37,"end":1305.745,"sentiment":"neutral","sentiment_score":0.09902067951582096}],"sentiment":"neutral","sentiment_score":0.10291116362487948,"num_words":37,"start":1286.315,"end":1305.745},{"sentences":[{"text":"Does your partner obviously having the kid probably not at the moment or leading up to, but does she still work as well?","start":1306.285,"end":1312.545,"sentiment":"neutral","sentiment_score":-0.030112456044425136},{"text":"Yeah.","start":1318.19,"end":1318.59,"sentiment":"neutral","sentiment_score":0.0467153862118721},{"text":"Yeah.","start":1318.59,"end":1318.9099,"sentiment":"neutral","sentiment_score":0.07520148158073425},{"text":"Understandable.","start":1318.9099,"end":1319.4099,"sentiment":"neutral","sentiment_score":-0.07081294059753418},{"text":"If she was, like, a stay at home mom and things like that, something was to happen to you, you might wanna look to ensure for a little bit more just in the event that, you know, you weren't able to work.","start":1319.47,"end":1326.4299,"sentiment":"neutral","sentiment_score":0.033469582065230326}],"sentiment":"neutral","sentiment_score":0.011238821836955407,"num_words":68,"start":1306.285,"end":1326.4299},{"sentences":[{"text":"But if she is still providing an income at the end of the day, obviously, you know, taking some time off for the kids out of out of the picture.","start":1326.4299,"end":1333.085,"sentiment":"neutral","sentiment_score":0.08118239305913448},{"text":"But, yeah, still able to earn an income there as well.","start":1333.085,"end":1335.24,"sentiment":"neutral","sentiment_score":0.14692435549064117},{"text":"That that's fun.","start":1335.24,"end":1336.385,"sentiment":"neutral","sentiment_score":0.30958009014527005},{"text":"Perfect.","start":1340.38,"end":1340.88,"sentiment":"positive","sentiment_score":0.6679678559303284},{"text":"And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things?","start":1340.9401,"end":1351.425,"sentiment":"neutral","sentiment_score":0.13216404153241051}],"sentiment":"neutral","sentiment_score":0.12884144108328555,"num_words":90,"start":1326.4299,"end":1351.425},{"sentences":[{"text":"Perfect.","start":1358.545,"end":1359.045,"sentiment":"positive","sentiment_score":0.4371997117996216},{"text":"Obviously, if anything comes back with the the insurances, whether or not they'll offer cover and exclusions, we might just give you a little buzz just to touch base and see how you'd like to proceed with that.","start":1359.5851,"end":1368.16,"sentiment":"neutral","sentiment_score":0.10348423874299777},{"text":"Otherwise, I'll get a start on the research for the the investments and things like that as well.","start":1368.54,"end":1373.04,"sentiment":"neutral","sentiment_score":0.14090395015146998},{"text":"And then following that, we'll eventually get you booked in to present that advice piece for you.","start":1373.18,"end":1377.6,"sentiment":"neutral","sentiment_score":0.1773296585854362},{"text":"No problem, Daniel.","start":1380.555,"end":1381.3551,"sentiment":"neutral","sentiment_score":0.2529917359352112}],"sentiment":"neutral","sentiment_score":0.13869417260413047,"num_words":77,"start":1358.545,"end":1381.3551},{"sentences":[{"text":"But if anything pops up in the the meantime there, feel free to give us a buzz that you wanna have a chat about.","start":1381.3551,"end":1385.5951,"sentiment":"neutral","sentiment_score":0.13304945857574543},{"text":"But is there anything else that you wanna have a chat about that we didn't cover there today?","start":1385.5951,"end":1388.9751,"sentiment":"neutral","sentiment_score":0.017980977065033384},{"text":"Yeah.","start":1399.0499,"end":1399.37,"sentiment":"neutral","sentiment_score":0.0016449056565761566},{"text":"Yeah.","start":1399.37,"end":1399.61,"sentiment":"neutral","sentiment_score":-0.036307141184806824},{"text":"Exactly.","start":1399.61,"end":1400.09,"sentiment":"neutral","sentiment_score":-0.10783730447292328}],"sentiment":"neutral","sentiment_score":0.07498544562194083,"num_words":45,"start":1381.3551,"end":1400.09},{"sentences":[{"text":"Obviously, it's unfortunate what did occur.","start":1400.09,"end":1401.85,"sentiment":"negative","sentiment_score":-0.34178174411257106},{"text":"As I said, the past three years, Benoit wasn't doing to to crush up for a managed fund.","start":1401.85,"end":1405.895,"sentiment":"neutral","sentiment_score":-0.07014521811571386},{"text":"They're still making a return.","start":1405.895,"end":1407.115,"sentiment":"neutral","sentiment_score":0.2219498038291931},{"text":"But, yeah, that that announcement of corporate travel, like, as I said, nail in the coffin sort of put it into any sort of growth it did see over that time frame.","start":1407.735,"end":1416.9349,"sentiment":"neutral","sentiment_score":0.06583657773444429},{"text":"But it's always the future and you've got time on your side, so that's the bonus.","start":1416.9349,"end":1422.99,"sentiment":"positive","sentiment_score":0.3958736313506961}],"sentiment":"neutral","sentiment_score":0.08100250931819539,"num_words":77,"start":1400.09,"end":1422.99},{"sentences":[{"text":"Exactly.","start":1431.865,"end":1432.265,"sentiment":"neutral","sentiment_score":0.3262139558792114},{"text":"Well, I'll let you get back to your afternoon.","start":1432.265,"end":1433.865,"sentiment":"positive","sentiment_score":0.3749324116441939},{"text":"Good luck with the the the kids running around and then the one on the way, and we'll talk soon.","start":1433.865,"end":1438.4451,"sentiment":"positive","sentiment_score":0.5478898778557777},{"text":"Thanks, mate.","start":1440.425,"end":1440.985,"sentiment":"positive","sentiment_score":0.7942624986171722},{"text":"Bye now.","start":1440.985,"end":1441.645,"sentiment":"positive","sentiment_score":0.5364479124546051}],"sentiment":"positive","sentiment_score":0.5094065894098843,"num_words":34,"start":1431.865,"end":1441.645}]}}]},{"alternatives":[{"transcript":"Hello. Is it Dave? Yeah. Not too bad, Carl. How are you? Yeah. Yeah. Now it's great. Alright. Yeah. Sure. Thanks. Name's Daniel Craig Magnus. Date of birth is the 03/08/1987. My current address is 20 Phillips Street in Coburg, Victoria. No. Well, I mean, I think I think the main thing I just sort of wanted to get a bit of grasp on staying on is, obviously, like, the I guess the performance of the last four months hasn't been great. And looking at sort of what's what the the information, I guess, that I've got as part of the pack with, what sort of lead to that full performance, and if there's anything we can do to sort of improve it over the next twelve months. Yes. No. I accept it. Yep. Yes. Yep. Yeah. Yeah. Yeah. Yeah. I understand that works. Yeah. I mean yeah. I I mean, I'm obviously looking at it because it's been a long time. It's taken quite a bit in the last twelve months. I mean, obviously, you kind of explained to me that it was mainly due to corporate corporate traveler non reporting issues. Is that I mean, in in your experience and and in your opinion, is it likely to recover? Mhmm. Yep. Yes. Yes. Mhmm. Yep. Yeah. No. I understand what you're saying. Yeah. I mean, you never wanna settle, and it's not doing too well. But yeah. I mean, it it sounds like the better strategy we sort of diversify away from it a bit. I mean, it's the the kind of point in my career that I'm at right now. I am still looking for more of a client growth, I guess, strategy. So yeah. Okay. Mhmm. Yeah. Yeah. Yeah. Exactly right. I yeah. Yeah. So I've been I've been watching pretty closely the last twelve months and, yeah, it's just been all over the place. So, again, I completely completely understand that. Look, I'm willing to stay with the managed funds for now. Not necessarily that long, but staying with that additional to see sort of what happens over the next twelve months. But, yeah, you may look to to re keep that in the next twelve months. Well, we're probably yeah. Probably looking to to reallocate, I think, the the the Benelon security. There's quite a lot in there. Yeah. It's a bit much. Yeah. Yeah. Exactly right. I mean, yeah, you can easily see that the losses on on Ben Long sort of not fully stripped everything else, but has, yeah, significantly affected everything else. But, yeah, yeah, I'd like to yeah. I think diversifying away. Even if we keep a bit of it, sort of 10 to 15% as you said, is probably reasonable. But, yeah, maybe looking at, yeah, taking some of that out. Yes. Yes. Yeah. Cool. Yeah. Yeah. Let's in that case, let's see. Let's look at that part. I think if we can offset some of those capital gains on some of the other ones, it might be worth it. Yes. Yes. Mhmm. Yes. Yeah. Yeah. No. I understand that buying going higher growth is a higher risk category and higher yeah. More more aggressive access points to points to fluctuations in the short term. But Yeah. Of course. Yeah. Exactly. I mean, what? Thirty oh, yeah. Probably twenty five, thirty years away from the time in any way. So, again, I'm not looking at, yeah, that kind of short term gains. It's definitely the long term gain with a lot of these. And, yeah, maximizing growth now, so it kind of compounds in the future. So yeah. Yeah. Yep. Yeah. That's right. So what happened was I can't remember when I upped the life cover. So I upped the life cover probably a year ago or more and was looking to up the TPD at the same time. But what happened, I wasn't able to do it due to a pre condition preexisting medical condition. However, they said they would review it if it if I hadn't had any issues for five year or three years, I think, and I'm I'm kinda at that point now. So I don't know whether it's worth revisiting to see whether they'd be willing to up that CBD or just leaving it for another twelve months. I'm coming up on the five years. Yeah. That's alright. Yeah. There was there was a diagnosis with it. It was a minor minor irritation, but it it it can flare up in future, but it's, again, not not a major concern. And like I said, I haven't had an issue for a couple of years. Yeah. Okay. No. Nothing. Yeah. Exactly right. No. Not at all. It self corrected with the improvement in diet. No. No. No. No. Nothing's changed. No. Occupation's exactly the same. Rules the same. Yeah. No. No change there. Oh, no. It it's all walking around, observations, no manual physical work, no high risk activities. No. Nothing like that. Mhmm. Okay. I was looking at income protection, but I think that was also excluded because of the preexisting. Yeah. Yep. Yeah. That'll be good. No. Yep. Okay. Yeah. Yeah. Of course. Yeah. I'll look. I would be interested to know what that is. How does that differ from, say, income protection insurance? So because my understanding with income protection is, yeah, when you're unable to work, that then kicks in and effectively replaces a percentage of your income. How's that different from trauma insurance? Okay. Mhmm. Okay. Yeah. Look. I'd be interested to at least get a quote on it and see how much it might cost. Yeah. Yeah. Cool. No. Yeah. Yeah. I'd be interested to hear. Yeah. See what it's see how much that might come through. Look, it's it's not too bad. It's not the best user interface I was saying to be honest. But yeah. Generally, it's it's not too bad. Like, I'll I'll probably log in every couple of months and sort of see how it's sticking along. And yeah. Is there a way and it probably is actually I haven't really dug that much into it in terms of report generation. Oh, yeah. There it is. Actually, there is. So yeah. Look. Yeah. It's not too bad. It's not too bad. I probably haven't spent as much time as as that much time with it. Yeah. Yeah. Okay. Yeah. So the the main reasoning behind the 1.2 is just basically cover the cost of the house mortgage. Yeah. That's right. She does at the moment. Yeah. But we'll be taking time off, obviously, when the second one comes along. Yeah. Yeah. She yeah. She's had learning income, so that's not not yet. It's not really a concern. No. Not really. That was kinda the only yeah. That that was the main things I wanted to go over. Yeah. Sure. Yeah. No. That'll be really good. No. That's everything. I think that's yeah. You've been really good. That's yeah. So good to get that explanation because when you're just looking at numbers on a page, you you don't get the backstory behind it. Yeah. Yeah. That's right. Exactly right. I mean, yeah, it's not a not a not great to do a loss, but, yeah, we we got time. We can recover. No worries. Thanks very much. 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Is it Dave? Yeah. Not too bad, Carl. How are you?\n\nYeah. Yeah. Now it's great. Alright. Yeah.\n\nSure. Thanks. Name's Daniel Craig Magnus. Date of birth is the 03/08/1987. My current address is 20 Phillips Street in Coburg, Victoria.\n\nNo. Well, I mean, I think I think the main thing I just sort of wanted to get a bit of grasp on staying on is, obviously, like, the I guess the performance of the last four months hasn't been great. And looking at sort of what's what the the information, I guess, that I've got as part of the pack with, what sort of lead to that full performance, and if there's anything we can do to sort of improve it over the next twelve months. Yes. No.\n\nI accept it. Yep. Yes. Yep. Yeah.\n\nYeah. Yeah. Yeah. I understand that works. Yeah.\n\nI mean yeah. I I mean, I'm obviously looking at it because it's been a long time. It's taken quite a bit in the last twelve months. I mean, obviously, you kind of explained to me that it was mainly due to corporate corporate traveler non reporting issues. Is that I mean, in in your experience and and in your opinion, is it likely to recover?\n\nMhmm. Yep. Yes. Yes. Mhmm.\n\nYep. Yeah. No. I understand what you're saying. Yeah.\n\nI mean, you never wanna settle, and it's not doing too well. But yeah. I mean, it it sounds like the better strategy we sort of diversify away from it a bit. I mean, it's the the kind of point in my career that I'm at right now. I am still looking for more of a client growth, I guess, strategy.\n\nSo yeah. Okay. Mhmm. Yeah. Yeah.\n\nYeah. Exactly right. I yeah. Yeah. So I've been I've been watching pretty closely the last twelve months and, yeah, it's just been all over the place.\n\nSo, again, I completely completely understand that. Look, I'm willing to stay with the managed funds for now. Not necessarily that long, but staying with that additional to see sort of what happens over the next twelve months. But, yeah, you may look to to re keep that in the next twelve months. Well, we're probably yeah.\n\nProbably looking to to reallocate, I think, the the the Benelon security. There's quite a lot in there. Yeah. It's a bit much. Yeah.\n\nYeah. Exactly right. I mean, yeah, you can easily see that the losses on on Ben Long sort of not fully stripped everything else, but has, yeah, significantly affected everything else. But, yeah, yeah, I'd like to yeah. I think diversifying away.\n\nEven if we keep a bit of it, sort of 10 to 15% as you said, is probably reasonable. But, yeah, maybe looking at, yeah, taking some of that out. Yes. Yes. Yeah.\n\nCool. Yeah. Yeah. Let's in that case, let's see. Let's look at that part.\n\nI think if we can offset some of those capital gains on some of the other ones, it might be worth it. Yes. Yes. Mhmm. Yes.\n\nYeah. Yeah. No. I understand that buying going higher growth is a higher risk category and higher yeah. More more aggressive access points to points to fluctuations in the short term.\n\nBut Yeah. Of course. Yeah. Exactly. I mean, what?\n\nThirty oh, yeah. Probably twenty five, thirty years away from the time in any way. So, again, I'm not looking at, yeah, that kind of short term gains. It's definitely the long term gain with a lot of these. And, yeah, maximizing growth now, so it kind of compounds in the future.\n\nSo yeah. Yeah. Yep. Yeah. That's right.\n\nSo what happened was I can't remember when I upped the life cover. So I upped the life cover probably a year ago or more and was looking to up the TPD at the same time. But what happened, I wasn't able to do it due to a pre condition preexisting medical condition. However, they said they would review it if it if I hadn't had any issues for five year or three years, I think, and I'm I'm kinda at that point now. So I don't know whether it's worth revisiting to see whether they'd be willing to up that CBD or just leaving it for another twelve months.\n\nI'm coming up on the five years. Yeah. That's alright. Yeah. There was there was a diagnosis with it.\n\nIt was a minor minor irritation, but it it it can flare up in future, but it's, again, not not a major concern. And like I said, I haven't had an issue for a couple of years. Yeah. Okay. No.\n\nNothing. Yeah. Exactly right. No. Not at all.\n\nIt self corrected with the improvement in diet. No. No. No. No.\n\nNothing's changed. No. Occupation's exactly the same. Rules the same. Yeah.\n\nNo. No change there. Oh, no. It it's all walking around, observations, no manual physical work, no high risk activities. No.\n\nNothing like that. Mhmm. Okay. I was looking at income protection, but I think that was also excluded because of the preexisting. Yeah.\n\nYep. Yeah. That'll be good. No. Yep.\n\nOkay. Yeah. Yeah. Of course. Yeah.\n\nI'll look. I would be interested to know what that is. How does that differ from, say, income protection insurance? So because my understanding with income protection is, yeah, when you're unable to work, that then kicks in and effectively replaces a percentage of your income. How's that different from trauma insurance?\n\nOkay. Mhmm. Okay. Yeah. Look.\n\nI'd be interested to at least get a quote on it and see how much it might cost. Yeah. Yeah. Cool. No.\n\nYeah. Yeah. I'd be interested to hear. Yeah. See what it's see how much that might come through.\n\nLook, it's it's not too bad. It's not the best user interface I was saying to be honest. But yeah. Generally, it's it's not too bad. Like, I'll I'll probably log in every couple of months and sort of see how it's sticking along.\n\nAnd yeah. Is there a way and it probably is actually I haven't really dug that much into it in terms of report generation. Oh, yeah. There it is. Actually, there is.\n\nSo yeah. Look. Yeah. It's not too bad. It's not too bad.\n\nI probably haven't spent as much time as as that much time with it. Yeah. Yeah. Okay. Yeah.\n\nSo the the main reasoning behind the 1.2 is just basically cover the cost of the house mortgage. Yeah. That's right. She does at the moment. Yeah.\n\nBut we'll be taking time off, obviously, when the second one comes along. Yeah. Yeah. She yeah. She's had learning income, so that's not not yet.\n\nIt's not really a concern. No. Not really. That was kinda the only yeah. That that was the main things I wanted to go over.\n\nYeah. Sure. Yeah. No. That'll be really good.\n\nNo. That's everything. I think that's yeah. You've been really good. That's yeah.\n\nSo good to get that explanation because when you're just looking at numbers on a page, you you don't get the backstory behind it. Yeah. Yeah. That's right. Exactly right.\n\nI mean, yeah, it's not a not a not great to do a loss, but, yeah, we we got time. We can recover. No worries. Thanks very much. See you.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.6399999,"sentiment":"neutral","sentiment_score":0.02733088657259941},{"text":"Is it Dave?","start":1.6399999,"end":2.5,"sentiment":"neutral","sentiment_score":0.03314468637108803},{"text":"Yeah.","start":6.64,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.10526266694068909},{"text":"Not too bad, Carl.","start":6.8799996,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.20784475281834602},{"text":"How are you?","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":0.20409075915813446}],"sentiment":"neutral","sentiment_score":0.13963990844786167,"num_words":12,"start":1.4399999,"end":8.5},{"sentences":[{"text":"Yeah.","start":14.48,"end":14.639999,"sentiment":"neutral","sentiment_score":0.20382043719291687},{"text":"Yeah.","start":14.639999,"end":14.88,"sentiment":"neutral","sentiment_score":0.33279353380203247},{"text":"Now it's 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out.","start":548.98,"end":553.39996,"sentiment":"neutral","sentiment_score":-0.008262250403111631},{"text":"Yes.","start":565.14496,"end":565.64496,"sentiment":"neutral","sentiment_score":0.12519097328186035},{"text":"Yes.","start":575.225,"end":575.61,"sentiment":"neutral","sentiment_score":0.14435505867004397},{"text":"Yeah.","start":582.41,"end":582.64996,"sentiment":"neutral","sentiment_score":0.06249692291021347}],"sentiment":"neutral","sentiment_score":0.0800007948031028,"num_words":33,"start":543.46497,"end":582.64996},{"sentences":[{"text":"Cool.","start":582.64996,"end":583.14996,"sentiment":"neutral","sentiment_score":0.2571764290332794},{"text":"Yeah.","start":589.85,"end":590.35,"sentiment":"neutral","sentiment_score":0.13966001570224762},{"text":"Yeah.","start":590.555,"end":590.71497,"sentiment":"neutral","sentiment_score":0.1522144228219986},{"text":"Let's in that case, let's see.","start":590.71497,"end":592.15497,"sentiment":"neutral","sentiment_score":0.10238597790400188},{"text":"Let's look at that part.","start":592.15497,"end":593.595,"sentiment":"neutral","sentiment_score":0.0879515215754509}],"sentiment":"neutral","sentiment_score":0.11450888163277081,"num_words":14,"start":582.64996,"end":593.595},{"sentences":[{"text":"I think if we can offset some of those capital gains on some of the other ones, it might be worth 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buying going higher growth is a higher risk category and higher yeah.","start":650.29504,"end":656.215,"sentiment":"neutral","sentiment_score":-0.2070148507754008},{"text":"More more aggressive access points to points to fluctuations in the short term.","start":656.215,"end":662.075,"sentiment":"neutral","sentiment_score":0.024915625556157187}],"sentiment":"neutral","sentiment_score":-0.09575685161736704,"num_words":31,"start":649.655,"end":662.075},{"sentences":[{"text":"But Yeah.","start":662.135,"end":698.63,"sentiment":"neutral","sentiment_score":-0.045202866196632385},{"text":"Of course.","start":698.63,"end":699.37,"sentiment":"neutral","sentiment_score":-0.1575421243906021},{"text":"Yeah.","start":746.69,"end":747.01,"sentiment":"neutral","sentiment_score":-0.05361572653055191},{"text":"Exactly.","start":747.01,"end":747.49005,"sentiment":"neutral","sentiment_score":-0.087304025888443},{"text":"I mean, what?","start":747.49005,"end":750.31,"sentiment":"neutral","sentiment_score":-0.15623179078102112}],"sentiment":"neutral","sentiment_score":-0.1127894562151697,"num_words":9,"start":662.135,"end":750.31},{"sentences":[{"text":"Thirty oh, yeah.","start":751.185,"end":752.385,"sentiment":"neutral","sentiment_score":-0.25130223234494525},{"text":"Probably twenty five, thirty years away from the time in any way.","start":752.385,"end":755.04504,"sentiment":"negative","sentiment_score":-0.3350516085823377},{"text":"So, again, I'm not looking at, yeah, that kind of short term gains.","start":755.425,"end":759.505,"sentiment":"negative","sentiment_score":-0.34103614550370437},{"text":"It's definitely the long term gain with a lot of these.","start":759.505,"end":763.925,"sentiment":"neutral","sentiment_score":-0.12867647951299493},{"text":"And, yeah, maximizing growth now, so it kind of compounds in the 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right.","start":926.51495,"end":927.495,"sentiment":"neutral","sentiment_score":0.2300906404852867},{"text":"No.","start":933.12,"end":933.44,"sentiment":"neutral","sentiment_score":-0.13150081038475037},{"text":"Not at all.","start":933.44,"end":934.0,"sentiment":"neutral","sentiment_score":-0.12023109942674637}],"sentiment":"neutral","sentiment_score":0.014293872518464923,"num_words":8,"start":920.83496,"end":934.0},{"sentences":[{"text":"It self corrected with the improvement in 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is.","start":1250.365,"end":1251.345,"sentiment":"neutral","sentiment_score":0.021881214032570522}],"sentiment":"neutral","sentiment_score":-0.021258991677314043,"num_words":32,"start":1236.95,"end":1251.345},{"sentences":[{"text":"So yeah.","start":1251.485,"end":1252.205,"sentiment":"neutral","sentiment_score":0.05160796456038952},{"text":"Look.","start":1252.205,"end":1252.705,"sentiment":"neutral","sentiment_score":0.09909701347351074},{"text":"Yeah.","start":1252.845,"end":1253.085,"sentiment":"neutral","sentiment_score":0.22922074794769287},{"text":"It's not too bad.","start":1253.085,"end":1254.125,"sentiment":"neutral","sentiment_score":0.28524040430784225},{"text":"It's not too bad.","start":1254.125,"end":1254.845,"sentiment":"neutral","sentiment_score":0.26294249296188354}],"sentiment":"neutral","sentiment_score":0.2186887733017405,"num_words":12,"start":1251.485,"end":1254.845},{"sentences":[{"text":"I probably haven't spent as much time as as that much time with it.","start":1254.845,"end":1259.025,"sentiment":"neutral","sentiment_score":-0.004477137965815408},{"text":"Yeah.","start":1270.82,"end":1271.32,"sentiment":"neutral","sentiment_score":0.07105901837348938},{"text":"Yeah.","start":1272.2599,"end":1272.58,"sentiment":"neutral","sentiment_score":0.1326630711555481},{"text":"Okay.","start":1272.58,"end":1273.08,"sentiment":"neutral","sentiment_score":0.13214576244354248},{"text":"Yeah.","start":1287.04,"end":1287.36,"sentiment":"neutral","sentiment_score":0.09481249749660492}],"sentiment":"neutral","sentiment_score":0.020444467663764954,"num_words":18,"start":1254.845,"end":1287.36},{"sentences":[{"text":"So the the main reasoning behind the 1.2 is just basically cover the cost of the house mortgage.","start":1287.36,"end":1294.1001,"sentiment":"neutral","sentiment_score":0.10113876561323802},{"text":"Yeah.","start":1294.24,"end":1294.74,"sentiment":"neutral","sentiment_score":0.1580626368522644},{"text":"That's right.","start":1295.2001,"end":1295.9401,"sentiment":"neutral","sentiment_score":0.2254500761628151},{"text":"She does at the moment.","start":1313.15,"end":1314.11,"sentiment":"neutral","sentiment_score":0.045591797679662704},{"text":"Yeah.","start":1314.11,"end":1314.27,"sentiment":"neutral","sentiment_score":0.03163615241646767}],"sentiment":"neutral","sentiment_score":0.09959465596410963,"num_words":27,"start":1287.36,"end":1314.27},{"sentences":[{"text":"But we'll be taking time off, obviously, when the second one comes along.","start":1314.27,"end":1317.8099,"sentiment":"neutral","sentiment_score":-0.10918355819124442},{"text":"Yeah.","start":1335.435,"end":1335.755,"sentiment":"neutral","sentiment_score":0.17744043469429016},{"text":"Yeah.","start":1335.755,"end":1336.075,"sentiment":"positive","sentiment_score":0.41351062059402466},{"text":"She yeah.","start":1336.075,"end":1336.555,"sentiment":"positive","sentiment_score":0.378959521651268},{"text":"She's had learning income, so that's not not yet.","start":1336.555,"end":1338.475,"sentiment":"positive","sentiment_score":0.3685526218679216}],"sentiment":"neutral","sentiment_score":0.12486374765061416,"num_words":26,"start":1314.27,"end":1338.475},{"sentences":[{"text":"It's not really a concern.","start":1338.475,"end":1339.785,"sentiment":"neutral","sentiment_score":0.2887091875076294},{"text":"No.","start":1352.86,"end":1353.02,"sentiment":"neutral","sentiment_score":-0.09419487416744232},{"text":"Not really.","start":1353.02,"end":1353.4199,"sentiment":"neutral","sentiment_score":-0.10117163509130478},{"text":"That was kinda the only yeah.","start":1353.4199,"end":1355.275,"sentiment":"neutral","sentiment_score":-0.16537263989448547},{"text":"That that was the main things I wanted to go over.","start":1355.275,"end":1357.535,"sentiment":"neutral","sentiment_score":-0.0354979813776233}],"sentiment":"neutral","sentiment_score":-0.009428233653306962,"num_words":25,"start":1338.475,"end":1357.535},{"sentences":[{"text":"Yeah.","start":1366.075,"end":1366.3151,"sentiment":"neutral","sentiment_score":0.08321996033191681},{"text":"Sure.","start":1366.3151,"end":1366.71,"sentiment":"neutral","sentiment_score":0.1274871528148651},{"text":"Yeah.","start":1377.9099,"end":1378.1499,"sentiment":"neutral","sentiment_score":0.14513558149337769},{"text":"No.","start":1378.1499,"end":1378.39,"sentiment":"neutral","sentiment_score":0.20045077800750732},{"text":"That'll be really good.","start":1378.39,"end":1379.475,"sentiment":"positive","sentiment_score":0.3699510842561722}],"sentiment":"neutral","sentiment_score":0.25451222620904446,"num_words":8,"start":1366.075,"end":1379.475},{"sentences":[{"text":"No.","start":1389.315,"end":1389.5549,"sentiment":"neutral","sentiment_score":-0.07358267903327942},{"text":"That's everything.","start":1389.5549,"end":1390.275,"sentiment":"neutral","sentiment_score":-0.014907147735357285},{"text":"I think that's yeah.","start":1390.275,"end":1391.155,"sentiment":"neutral","sentiment_score":0.1808859184384346},{"text":"You've been really good.","start":1391.155,"end":1391.955,"sentiment":"positive","sentiment_score":0.6387854069471359},{"text":"That's yeah.","start":1391.955,"end":1393.26,"sentiment":"neutral","sentiment_score":0.28528808057308197}],"sentiment":"neutral","sentiment_score":0.2881434221680348,"num_words":13,"start":1389.315,"end":1393.26},{"sentences":[{"text":"So good to get that explanation because when you're just looking at numbers on a page, you you don't get the backstory behind it.","start":1393.8201,"end":1398.88,"sentiment":"neutral","sentiment_score":0.2167396293953061},{"text":"Yeah.","start":1409.045,"end":1409.545,"sentiment":"neutral","sentiment_score":0.047325678169727325},{"text":"Yeah.","start":1418.885,"end":1419.125,"sentiment":"neutral","sentiment_score":0.13843615353107452},{"text":"That's right.","start":1419.125,"end":1419.865,"sentiment":"positive","sentiment_score":0.36801090836524963},{"text":"Exactly right.","start":1423.54,"end":1424.1799,"sentiment":"positive","sentiment_score":0.5075135827064514}],"sentiment":"neutral","sentiment_score":0.23795206397771834,"num_words":30,"start":1393.8201,"end":1424.1799},{"sentences":[{"text":"I mean, yeah, it's not a not a not great to do a loss, but, yeah, we we got time.","start":1424.1799,"end":1429.7,"sentiment":"neutral","sentiment_score":0.11945391111075879},{"text":"We can recover.","start":1429.7,"end":1430.44,"sentiment":"positive","sentiment_score":0.3504556715488434},{"text":"No worries.","start":1438.743,"end":1439.303,"sentiment":"positive","sentiment_score":0.4539695084095001},{"text":"Thanks very much.","start":1439.303,"end":1440.203,"sentiment":"positive","sentiment_score":0.8380085031191508},{"text":"See you.","start":1441.6229,"end":1442.443,"sentiment":"neutral","sentiment_score":0.17936788871884346}],"sentiment":"neutral","sentiment_score":0.24070485134919484,"num_words":30,"start":1424.1799,"end":1442.443}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Is it Dave?\n\nChannel 0: Good afternoon, Daniel. It's Kyle calling from Financial. How are you today?\n\nChannel 1: Yeah. Not too bad, Carl. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I've got you scheduled in for a bit of a follow-up from you in your view. Is now a good time for you?\n\nChannel 1: Yeah. Yeah. Now it's great. Alright.\n\nChannel 0: Perfect. If I could just pass you through security, Daniel, we'll get stuck into that, which is that name, date of birth, and current address while you got your hands full there.\n\nChannel 1: Yeah. Sure. Thanks. Name's Daniel Craig Magnus. Date of birth is the 03/08/1987.\n\nMy current address is 20 Phillips Street in Coburg, Victoria.\n\nChannel 0: Brilliant. Thank you for that one, Daniel. Now I've got it down here that you mainly want to talk about insurance and then just your investments, but was there anything else specifically that you were looking to have a chat about today?\n\nChannel 1: No. Well, I mean, I think I think the main thing I just sort of wanted to get a bit of grasp on staying on is, obviously, like, the I guess the performance of the last four months hasn't been great.\n\nChannel 0: Yep.\n\nChannel 1: And looking at sort of what's what the the information, I guess, that I've got as part of the pack with, what sort of lead to that full performance, and\n\nChannel 0: Yep.\n\nChannel 1: if there's anything we can do to sort of improve it over the next twelve months.\n\nChannel 0: Yeah. So within regards to your I'm not too sure what was spoken about during your interview, but in regards to your portfolio itself, it wasn't the whole portfolio that was, like, due to the poor performance. It was one specific actively managed fund, and you do have quite a significant weighting in that. Now, obviously, I wasn't the adviser that previously had the discussion that set up your investments. But when having it invested in those actively managed funds comes that manager risk, and you do have, like, quite a weighting to that, which even though you're in that high growth portfolio, by having an active portion in that, also increases your risk in terms of those, like, active management and what those fund managers are doing and the performance they do get.\n\nNow with that Benelong fund specifically, now they haven't been doing two crash out over the past sort of three years in terms of returns. They weren't negative by any means in that time frame. But at the end of last year, it was found out that corporate traveler, which is like a key holding that they do\n\nChannel 1: Yes.\n\nChannel 0: have in that fund, was done for not reporting correctly, like, their accounting. And as a result of that, they'll put you on a trading hold. They had to reevaluate that stock. And, obviously, when people hear about that, there's a bit of a loss of consumer confidence in the actual investment itself, which caused a key holding in your portfolio, that 30% Benelong, to take quite a a dive. And I think it was over 20% at its peak, and that occurred, like, end of last November.\n\nNow moving forward from that, there's a few options. Now you can look at holding that a bit longer to see how it recovers from that. Since it occurred, it's only probably come back around, like, three or 4% from the the biggest dip that did occur, which is still quite a bit down. So you can look at holding it a bit longer to see if it recuperates from that. As a business, we were moving away from Benelong before that time frame, so we still are looking at that.\n\nBut, obviously, you'd never wanna sort of sell low by\n\nChannel 1: No.\n\nChannel 0: high.\n\nChannel 1: I accept\n\nChannel 0: But\n\nChannel 1: it.\n\nChannel 0: yeah. But with that in general, it's like it's not an Australian equities issue. It's a fund specific issue and the investment, like, that was in it. So whether or not you take the loss and offset some capital gains from the rest of your portfolio from previous years of growth and\n\nChannel 1: Yep.\n\nChannel 0: look at doing an update now and just taking the loss and moving forward or holding that a little bit longer. And you can either look to maintain an active portion within your portfolio. I, myself, probably wouldn't put you that heavily into one specifically actively managed fund. You can normally spread it across a few or have it a little bit less. It's more of a satellite.\n\nOr you can look at going a bit more of a passive investment approach, which is lower cost. It doesn't have actively managed funds or those fund managers. It just has mainly exchange traded funds, which just encompass, like, a market.\n\nChannel 1: Yes.\n\nChannel 0: So, like,\n\nChannel 1: Yep.\n\nChannel 0: the S and P 500, you know, you've got the top 500 companies in\n\nChannel 1: Yeah.\n\nChannel 0: America.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: It's, yeah, dynamic in\n\nChannel 1: Yeah. I\n\nChannel 0: the\n\nChannel 1: understand\n\nChannel 0: sense that\n\nChannel 1: that\n\nChannel 0: it\n\nChannel 1: works.\n\nChannel 0: moves. Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I mean yeah. I I mean, I'm obviously looking at it because it's been a long time. It's taken quite a bit in the last twelve months. I mean, obviously, you kind of explained to me that it was mainly due to corporate corporate traveler non reporting\n\nChannel 0: Yep.\n\nChannel 1: issues.\n\nChannel 0: Yep.\n\nChannel 1: Is that I mean, in in your experience and and in your opinion, is it likely to recover?\n\nChannel 0: So with that, like, Benelon themselves are a high conviction fund\n\nChannel 1: Mhmm.\n\nChannel 0: or at least they have been in the last five to ten years, and it's telling that they don't typically wanna change their investments up too much\n\nChannel 1: Yep.\n\nChannel 0: within that. So the rest of their underlying investments would actually be just, like, pulling the slack on that until such time they can look to remove it because they said it was on a trading hold with that\n\nChannel 1: Yes.\n\nChannel 0: and to see what corporate travel and how they recover it. That's anyone sorta guess with, like, they had to pay some compensation and things like that as well. So the future of that specific investment as well is a little bit uncertain. And as I said, as a a business as well, they were starting to move away from from Benelon just\n\nChannel 1: Yes.\n\nChannel 0: given those three years of average growth. And then\n\nChannel 1: Mhmm.\n\nChannel 0: this, like, kind of a cherry on top of the sense that they, will probably not be, like, looking at it and also removing away from that, as purple that do hold it in general.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, obviously, you can look to wait in that time frame to potentially recoup some of those losses. But even though you take a loss now, you potentially could be getting growth in something else for, like, those three to six months, whereas Benelon might not do much in that time frame, like, it's not of anyone's guess.\n\nChannel 1: Yeah. No. I understand what you're saying. Yeah. I mean, you never wanna settle, and it's not doing too well.\n\nBut yeah. I mean, it it sounds like the better strategy we sort of diversify away from it a bit. I mean, it's the the kind of point in my career that I'm at right now. I am still looking for more of a client growth, I guess, strategy. So\n\nChannel 0: You can maintain, like, a high growth level of exposure without active\n\nChannel 1: yeah.\n\nChannel 0: management as well. Like, you can still\n\nChannel 1: Okay.\n\nChannel 0: have that ninety ten split of, like, growth assets to defensive. It just means\n\nChannel 1: Mhmm.\n\nChannel 0: that you you won't actively be trying to outperform the market and paying that additional cost for those managers to try and do so. It just means that you're following the market and what the market's actually doing. So if the market's doing really well, if you're an index investor, your investments are doing really well. If they're sort of stalling or taking a little bit of a, you know, a dive, then your portfolio sort of follows in in turn as well, whereas those fund managers can sort of outperform during those times if they know what they're doing and are doing well. But in saying that as well, it has been quite, like, a tumultuous twelve months in general just with, like, talk with Trump and his announcement was.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: all those sort of things, like, they're not sort of things that any analytics really point towards. Like, you can't tell what Trump is gonna tweet on a Monday that might affect\n\nChannel 1: Yeah.\n\nChannel 0: the markets?\n\nChannel 1: Yeah. Exactly right. I yeah. Yeah. So I've been I've been watching pretty closely the last twelve months and, yeah, it's just been all over the place.\n\nSo, again, I completely completely understand that. Look, I'm willing to stay with the managed funds for now. Not necessarily that long, but staying with that additional to see sort of what happens over the next twelve months. But, yeah, you may look to to re keep that in the next twelve months.\n\nChannel 0: Yep. Would you want to look at like updating your portfolio in that sense like just updating it to a fresher portfolio and removing Ben Long or replacing it with another actively managed fund or just looking to replace Ben Long itself and maybe reallocating some of those funds to the other investments?\n\nChannel 1: Well, we're probably yeah. Probably looking to to reallocate, I think, the the the Benelon security. There's quite a lot in there.\n\nChannel 0: Yeah. I myself probably wouldn't wanna have 30% in one specific managed\n\nChannel 1: Yeah.\n\nChannel 0: fund. So I\n\nChannel 1: It's\n\nChannel 0: would\n\nChannel 1: a bit\n\nChannel 0: you'd be\n\nChannel 1: much. Yeah.\n\nChannel 0: you'd be looking sort of more around that 10 or 15% to be on the safe side of things. Like, if it's performing well, fantastic. If it does take a dive like it did, it doesn't sort of, like, negate the growth out of your whole fund. Because in terms of, like, your other investments, like, they're obviously performing still quite well, but when you have such a a high allocation to one fund that doesn't do well, it obviously eats into that.\n\nChannel 1: Yeah. Exactly right. I mean, yeah, you can easily see that the losses on on Ben Long sort of not fully stripped everything else, but has, yeah, significantly affected everything else. But, yeah, yeah, I'd like to yeah. I think diversifying away.\n\nEven if we keep a bit of it, sort of 10 to 15% as you said, is probably reasonable. But, yeah, maybe looking at, yeah, taking some of that out.\n\nChannel 0: Yep. Because I can even look with the the the losses there as well. Like I said, updating the portfolio, looking at removing bed along replacement with an alternative for a bit lower.\n\nChannel 1: Yes.\n\nChannel 0: And then with that, the CGT that across the other investments over the past three years, you'll be able to basically look at offsetting that cost\n\nChannel 1: Yes.\n\nChannel 0: a little bit, and then you can do an update now for not much cost. Whereas if you did it while everything's up, it would've cost you money anyway. Whereas if you do a\n\nChannel 1: Yeah.\n\nChannel 0: refresh\n\nChannel 1: Cool.\n\nChannel 0: now, yeah, that capital gains, it kinda gets carried forward with those losses as well, which is good in that sense.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yeah. Let's in that case, let's see. Let's look at that part. I think if we can\n\nChannel 0: yep.\n\nChannel 1: offset some of those capital gains on some of the other ones, it might be worth it.\n\nChannel 0: Yep. And then we'll look at moving away from Benelung, which is perfect. The only other one that didn't perform too fantastic about past month actually was the global global cyber.\n\nChannel 1: Yes.\n\nChannel 0: Now Hack, they still have high conviction in moving forward. Obviously, in regards to technology and AI driven companies at the moment as well, they've all taken quite a hit. Not\n\nChannel 1: Yes.\n\nChannel 0: to say that, like, AI won't be around in the future. It's probably just more of a market correction at this point, so they still have my conviction in that. It's just, yeah, been along itself, not so much. So we'll look at replacing that with another Australian equities fund.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: And then the other point that I wanted to touch on there is, well, with the risk profile. So you said you're still happy with that high growth sort of allocation with that. Do you still, like, understand what high growth entails and the split and the level of risk you have with that?\n\nChannel 1: Yeah. Yeah. No. I understand that buying going higher growth is a higher risk category and higher yeah. More more aggressive access points to points to fluctuations in the short term.\n\nBut\n\nChannel 0: Yeah. I wouldn't say, like, in general, like, sort of, yes. But the the level of risk you take on, it doesn't mean that the asset class has changed too much. Like, obviously, from, like, a balance to a aggressive or a high growth, the asset class has changes quite a bit. But between, like, a growth and a high growth, the assets that you do hold aren't too different, especially within our portfolios.\n\nIt's mainly the allocation. So you just have 10% more in the growth side of things and then the the defensive side of things. It's not like you're going from something like direct shares down to, like, something like fixed interest cash and things like that.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: And then, yeah, with that so in one in five years, you're likely to get, like, those negative returns still in those high growths, which is sort of to be, you know, expected. Sometimes you get good use, sometimes you get bad use. The markets as a whole, you know, have been a bit, like, still on the up, but been a bit average, especially the last six months with everything that has occurred. And then with that, the corporate traveler that did occur in yours is obviously the the nail in the coffin for the last six months performance. But in saying that, we'll get that updated.\n\nHopefully, it starts forming again moving forward. You can even see from, like, April tariff talks there as well that it recovered quite nicely. So it's just one of those things. It's just market timing, which is all those, know, you don't really wanna day trade your super. Like you said, you get those sell low, buy high moments.\n\nChannel 1: Yeah. Exactly. I mean, what? Thirty oh, yeah. Probably twenty five, thirty years away from the time in any way.\n\nSo, again, I'm not looking at, yeah, that kind of short term gains. It's definitely the long term gain with a lot of these. And, yeah, maximizing growth now, so it kind of compounds in the future. So\n\nChannel 0: Exactly.\n\nChannel 1: yeah.\n\nChannel 0: The other thing that I was touching on there is the the insurance side of things. So I\n\nChannel 1: Yeah.\n\nChannel 0: know you do have life, and you've also topped up that life as well. It's like a split there, which for around\n\nChannel 1: Yep.\n\nChannel 0: that 1.2, and then you've got that total permanent disability. And I understand that you wanna increase your total permanent disability portion.\n\nChannel 1: Yeah. That's right. So what happened was I can't remember when I upped the life cover. So I upped the life cover probably a year ago or more and was looking to up the TPD at the same time. But what happened, I wasn't able to do it due to a pre condition preexisting medical condition.\n\nHowever, they said they would review it if it if I hadn't had any issues for five year or three years, I think, and I'm I'm kinda at that point now. So I don't know whether it's worth revisiting to see whether they'd be willing to up that CBD or just leaving it for another twelve months.\n\nChannel 0: So you said you like, you passed the five years now or coming up on sort of the five years?\n\nChannel 1: I'm coming up on the five years.\n\nChannel 0: Yep. Because, yeah, it just depends on the the condition. So you may end up with an exclusion. So with that, we can look at rewriting a policy now or doing another top up. With that, it may carry the exclusion.\n\nIt may not. So with that one there, I know you had some back on neck pain, which was due to some football thing, which I don't think was the issue. It was due to the bowel information that was\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: alright.\n\nChannel 0: more recent. Yeah. So did you have any diagnosis from that, or is it, like, you\n\nChannel 1: Yeah.\n\nChannel 0: know\n\nChannel 1: There was there was a diagnosis with it. It was a minor minor irritation, but it it it can flare up in future, but it's, again, not not a major concern. And like I said, I haven't had an issue for\n\nChannel 0: Yep. Because\n\nChannel 1: a\n\nChannel 0: with that, it just sort of depends on how they rate the condition. Obviously, you said that, like, with that mild irritation that it may sort of come back in\n\nChannel 1: couple of\n\nChannel 0: future.\n\nChannel 1: years.\n\nChannel 0: It may still look to be an exclusion even with the time elapsed with no, like, instances of flare ups.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So with that one there, I can just loosely pre assess with the insurers based on that because currently, no no symptoms, no frequencies, or anything like that. And\n\nChannel 1: No. Nothing.\n\nChannel 0: Yep. And with the treatments, there weren't any medications. It was just diet.\n\nChannel 1: Yeah. Exactly right.\n\nChannel 0: Yep. And did you have to take any medication or are you currently taking any medication for that?\n\nChannel 1: No. Not at all. It self corrected with the improvement in diet.\n\nChannel 0: Yep. Perfect. So what we can do is based and you have no other health, like, conditions or injuries or anything that has come up since you applied for that originally or came\n\nChannel 1: No.\n\nChannel 0: up?\n\nChannel 1: No. No. No. Nothing's changed.\n\nChannel 0: Perfect. And then in regards to your role, that's largely similar. You're not doing anything additionally in regards to your your occupational role or\n\nChannel 1: No. Occupation's exactly the same. Rules the same. Yeah. No.\n\nNo change there.\n\nChannel 0: and that 5% in the field, are you doing much manual work or you're mainly just like walking around visiting\n\nChannel 1: Oh, no.\n\nChannel 0: sites?\n\nChannel 1: It it's all walking around, observations, no manual physical work, no high risk activities.\n\nChannel 0: Not doing it heights on any scaffolding, things like that?\n\nChannel 1: No. Nothing like that.\n\nChannel 0: Because, yeah, the option, obviously, like you did with your life, you can you can look to top up cover or we can look\n\nChannel 1: Mhmm.\n\nChannel 0: to rewrite. Now if it looks like there might be an exclusion, it's not to say that you can't have that policy in conjunction with your your other policy and maintaining that and just having a top up with another insurer or the same insurer\n\nChannel 1: Okay.\n\nChannel 0: with that in exclusion. So I'll get them to pre assess based on that. And then with that, would you be looking at income protection or trauma insurances? Because I know you only have the life and TPD at the moment.\n\nChannel 1: I was looking at income protection, but I think that was also excluded because of the preexisting.\n\nChannel 0: Yep. It's probably was just due to the recency of it because it was within, like, that\n\nChannel 1: Yeah.\n\nChannel 0: twelve month time frame. So we\n\nChannel 1: Yep.\n\nChannel 0: can definitely have a look.\n\nChannel 1: Yeah.\n\nChannel 0: Like I\n\nChannel 1: That'll\n\nChannel 0: said,\n\nChannel 1: be\n\nChannel 0: it\n\nChannel 1: good.\n\nChannel 0: might still look at being an exclusion or a loading depending, but we can definitely have a look at the types of cover. And did they talk much about trauma insurance or what that is when you originally came on board?\n\nChannel 1: No.\n\nChannel 0: So what trauma cover is, it's an out of pocket cost. So I know at the moment, you know, with the the recent mortgage and having to pay that down, you know, plus the the kid on the way, you probably, you know, stretched a little bit out of pocket. But what it is, it's an you gotta pay for that epoxy. You can't pay through super, but\n\nChannel 1: Yep.\n\nChannel 0: it's insurance that the lump sum, similar to how TPD works, it's work for specific events. So things like heart attack, strokes, those sort of traumatic events to assist with you being able to take some time off work, pay for medical costs, or things like that in the event like anything that it did occur, and it does pay as, like, a lump sum.\n\nChannel 1: Okay.\n\nChannel 0: So generally, look at, like, a year's worth of income, whether that's before tax, after tax, to say that, basically, you know, if you had a stroke tomorrow, it means that you might not be TPD. You may end up being able to get back to work, but, you know, you probably want some time off in the meantime, and that's what that sort of payment covers. And with that, obviously, it is one of the more claimed on insurances, especially with things like, you know, certain types of cancers and things like that\n\nChannel 1: Yeah. Yeah. Of course.\n\nChannel 0: and those sort of diagnosis. So we can just show you what that pricing sort of looks like as a monthly amount. And\n\nChannel 1: Yeah. I'll look. I would be interested to know what that is. How does that differ from, say, income protection insurance? So because my understanding with income protection is, yeah, when you're unable to work, that then kicks in and effectively replaces a percentage of your income.\n\nHow's that different from trauma insurance?\n\nChannel 0: So with that, it just depends on what type of cover and provider you have. So if\n\nChannel 1: Okay.\n\nChannel 0: you got diagnosed with cancer tomorrow, you don't instantly, you know, unable to work. It might\n\nChannel 1: Mhmm.\n\nChannel 0: get to a point where you're unable to work due to, you know, certain, like, medical requirements and things like that or whatever treatments you have to go through, but there's certain conditions where you may still be technically fit to work, especially in, like, a role that is more office based that you may wanna take some time off work, be able to deal with medical things and things like that as well. And it generally pays a lot lot quicker depending on your waiting periods and things like that as well with those conditions.\n\nChannel 1: Okay. Yeah. Look. I'd be interested to at least get a quote on it and see how much it might cost.\n\nChannel 0: Yeah. Not not a problem at all. But yeah. And with the the lump sum payment, obviously, with income protection, it's like, you know, pays monthly. You still get taxed on that as well.\n\nYou still obviously get taxed on the the trauma that gets paid in a lump sum, but with that, it's a larger amount upfront. It can help pay for the things and,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, allow for that time off, whereas the income protection just kinda keeps you going, and it's like that 70% of your income.\n\nChannel 1: Yeah. Cool. No. Yeah. Yeah.\n\nI'd be interested to hear. Yeah. See what it's see how much that might come through.\n\nChannel 0: Perfect. And as far as, like, your fund, like, Hub twenty four, have you had any issues with it in itself? Are you happy with the fund? It's like reporting being able to jump on it.\n\nChannel 1: Look, it's it's not too bad. It's not the best user interface I was saying to be honest. But\n\nChannel 0: Yep.\n\nChannel 1: yeah. Generally, it's it's not too bad. Like, I'll I'll probably log in every couple of months and sort of see how it's sticking along. And yeah. Is there a way and it probably is actually I haven't really dug that much into it in terms of report generation.\n\nOh, yeah. There it is. Actually, there is. So yeah. Look.\n\nYeah. It's not too bad. It's not too bad. I probably haven't spent as much time as as that much time with it.\n\nChannel 0: Yeah. And in saying that too, if there are certain things that you don't have access to on your account, you might be able to ask us because our one's a little bit more comprehensive than, like, the version that you get as a client versus, like,\n\nChannel 1: Yeah.\n\nChannel 0: an adviser. So\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Okay.\n\nChannel 0: have access to a few other features there as well. But in saying that as well with the the insurance there, you said just on the 1.2, are you happy with that? Is it, like, a flat amount that you're trying to reach? Or\n\nChannel 1: Yeah. So the the main reasoning behind the 1.2 is just basically cover the\n\nChannel 0: Mortgage\n\nChannel 1: cost of the\n\nChannel 0: plus\n\nChannel 1: house\n\nChannel 0: rent\n\nChannel 1: mortgage.\n\nChannel 0: sum? Yeah.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: No. Not a problem. And then, yeah, obviously, because with that, sometimes you can look to do income replacement, especially if you're the soap breadwinner and things like that as well. Does your partner obviously having the kid probably not at the moment or leading up to, but does she still work as well?\n\nChannel 1: She does at the moment. Yeah. But we'll be taking time off, obviously, when the second one comes along.\n\nChannel 0: Yeah. Yeah. Understandable. If she was, like, a stay at home mom and things like that, something was to happen to you, you might wanna look to ensure for a little bit more just in the event that, you know, you weren't able to work. But if she is still providing an income at the end of the day, obviously, you know, taking some time off for the kids out of out of the picture.\n\nBut, yeah, still able to earn an income there as well. That\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: fun.\n\nChannel 1: She yeah. She's had learning income, so that's not not yet. It's not really a concern.\n\nChannel 0: Perfect. And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things?\n\nChannel 1: No. Not really. That was kinda the only yeah. That that was the main things I wanted to go over.\n\nChannel 0: Perfect. Obviously, if anything comes back with the the insurances, whether or not they'll offer cover and exclusions, we might just give you a little buzz just to touch\n\nChannel 1: Yeah.\n\nChannel 0: base\n\nChannel 1: Sure.\n\nChannel 0: and see how you'd like to proceed with that. Otherwise, I'll get a start on the research for the the investments and things like that as well. And then following that, we'll eventually get you booked in to present that advice piece for you.\n\nChannel 1: Yeah. No. That'll be really good.\n\nChannel 0: No problem, Daniel. But if anything pops up in the the meantime there, feel free to give us a buzz that you wanna have a chat about. But is there anything else that you wanna have a chat about that we didn't cover there today?\n\nChannel 1: No. That's everything. I think that's yeah. You've been really good. That's yeah.\n\nSo good to get that explanation because when you're just looking at numbers on a page, you you don't get the backstory behind it.\n\nChannel 0: Yeah. Yeah. Exactly. Obviously, it's unfortunate what did occur. As I said, the past three years, Benoit wasn't doing to to crush up for a managed fund.\n\nThey're still making a return. But, yeah, that that\n\nChannel 1: Yeah.\n\nChannel 0: announcement of corporate travel, like, as I said, nail in the coffin sort of put it into any sort of growth it did see over that time frame. But\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: That's\n\nChannel 0: always\n\nChannel 1: right.\n\nChannel 0: the future and you've got time on your side, so that's the bonus.\n\nChannel 1: Exactly right. I mean, yeah, it's not a not a not great to do a loss, but, yeah, we we got time. We can recover.\n\nChannel 0: Exactly. Well, I'll let you get back to your afternoon. Good luck with the the the kids running around and then the one on the way, and we'll talk soon.\n\nChannel 1: No worries. Thanks very much.\n\nChannel 0: Thanks, mate. Bye now.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.6399999,"sentiment":"neutral","sentiment_score":0.02733088657259941},{"text":"Is it Dave?","start":1.6399999,"end":2.5,"sentiment":"neutral","sentiment_score":0.03314468637108803}],"sentiment":"neutral","sentiment_score":0.031691236421465874,"channel":1,"num_words":4,"start":1.4399999,"end":2.5},{"sentences":[{"text":"Good afternoon, Daniel.","start":3.1999998,"end":4.08,"sentiment":"positive","sentiment_score":0.3351389865080516},{"text":"It's Kyle calling from Financial.","start":4.08,"end":5.38,"sentiment":"neutral","sentiment_score":0.2051032841205597},{"text":"How are you today?","start":5.52,"end":6.42,"sentiment":"neutral","sentiment_score":0.21658966690301895}],"sentiment":"neutral","sentiment_score":0.2414410039782524,"channel":0,"num_words":12,"start":3.1999998,"end":6.42},{"sentences":[{"text":"Yeah.","start":6.64,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.10526266694068909},{"text":"Not too bad, Carl.","start":6.8799996,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.20784475281834602},{"text":"How are you?","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":0.20409075915813446}],"sentiment":"neutral","sentiment_score":0.19361424446105957,"channel":1,"num_words":8,"start":6.64,"end":8.5},{"sentences":[{"text":"Yeah.","start":8.639999,"end":9.04,"sentiment":"neutral","sentiment_score":0.14195941388607025},{"text":"Not too bad at all.","start":9.04,"end":9.679999,"sentiment":"neutral","sentiment_score":0.251420783996582},{"text":"Thanks for asking.","start":9.679999,"end":10.559999,"sentiment":"positive","sentiment_score":0.6684465010960897},{"text":"I've got you scheduled in for a bit of a follow-up from you in your view.","start":10.559999,"end":12.88,"sentiment":"positive","sentiment_score":0.35662633180618286},{"text":"Is now a good time for you?","start":12.88,"end":14.145,"sentiment":"positive","sentiment_score":0.35825158442769733}],"sentiment":"positive","sentiment_score":0.36306828865781426,"channel":0,"num_words":32,"start":8.639999,"end":14.145},{"sentences":[{"text":"Yeah.","start":14.48,"end":14.639999,"sentiment":"neutral","sentiment_score":0.20382043719291687},{"text":"Yeah.","start":14.639999,"end":14.88,"sentiment":"neutral","sentiment_score":0.33279353380203247},{"text":"Now it's great.","start":14.88,"end":15.615,"sentiment":"positive","sentiment_score":0.6474265853563944},{"text":"Alright.","start":16.895,"end":17.395,"sentiment":"positive","sentiment_score":0.4724836945533752}],"sentiment":"positive","sentiment_score":0.49189623693625134,"channel":1,"num_words":6,"start":14.48,"end":17.395},{"sentences":[{"text":"Perfect.","start":17.185001,"end":17.685001,"sentiment":"positive","sentiment_score":0.5932590961456299},{"text":"If I could just pass you through security, Daniel, we'll get stuck into that, which is that name, date of birth, and current address while you got your hands full there.","start":19.025002,"end":25.525002,"sentiment":"neutral","sentiment_score":0.22402988181960198}],"sentiment":"neutral","sentiment_score":0.23556829476729035,"channel":0,"num_words":32,"start":17.185001,"end":25.525002},{"sentences":[{"text":"Yeah.","start":25.615,"end":26.015,"sentiment":"neutral","sentiment_score":0.10369648039340972},{"text":"Sure.","start":26.015,"end":26.415,"sentiment":"neutral","sentiment_score":0.14350207149982452},{"text":"Thanks.","start":26.415,"end":26.915,"sentiment":"neutral","sentiment_score":0.25821125507354736},{"text":"Name's Daniel Craig Magnus.","start":28.015,"end":30.035,"sentiment":"neutral","sentiment_score":0.06568405590951443},{"text":"Date of birth is the 03/08/1987.","start":30.494999,"end":33.05,"sentiment":"neutral","sentiment_score":0.05434097225467364}],"sentiment":"neutral","sentiment_score":0.08416860493329856,"channel":1,"num_words":13,"start":25.615,"end":33.05},{"sentences":[{"text":"My current address is 20 Phillips Street in Coburg, Victoria.","start":33.43,"end":36.65,"sentiment":"neutral","sentiment_score":0.07331464849412442}],"sentiment":"neutral","sentiment_score":0.07331464849412442,"channel":1,"num_words":10,"start":33.43,"end":36.65},{"sentences":[{"text":"Brilliant.","start":37.44,"end":37.92,"sentiment":"positive","sentiment_score":0.6264362335205078},{"text":"Thank you for that one, Daniel.","start":37.92,"end":39.22,"sentiment":"positive","sentiment_score":0.6478971739610037},{"text":"Now I've got it down here that you mainly want to talk about insurance and then just your investments, but was there anything else specifically that you were looking to have a chat about today?","start":39.52,"end":49.285,"sentiment":"neutral","sentiment_score":0.09549810854451997}],"sentiment":"neutral","sentiment_score":0.18705364467487448,"channel":0,"num_words":42,"start":37.44,"end":49.285},{"sentences":[{"text":"No.","start":50.765003,"end":51.085003,"sentiment":"neutral","sentiment_score":-0.2096426635980606},{"text":"Well, I mean, I think I think the main thing I just sort of wanted to get a bit of grasp on staying on is, obviously, like, the I guess the performance of the last four months hasn't been great.","start":51.085003,"end":61.72,"sentiment":"neutral","sentiment_score":-0.29531834162771703}],"sentiment":"neutral","sentiment_score":-0.29322869094406684,"channel":1,"num_words":41,"start":50.765003,"end":61.72},{"sentences":[{"text":"Yep.","start":62.32,"end":62.82,"sentiment":"neutral","sentiment_score":-0.056431811302900314}],"sentiment":"neutral","sentiment_score":-0.056431811302900314,"channel":0,"num_words":1,"start":62.32,"end":62.82},{"sentences":[{"text":"And looking at sort of what's what the the information, I guess, that I've got as part of the pack with, what sort of lead to that full performance, and","start":63.62,"end":74.884995,"sentiment":"neutral","sentiment_score":-0.04108260634044806}],"sentiment":"neutral","sentiment_score":-0.04108260634044806,"channel":1,"num_words":30,"start":63.62,"end":74.884995},{"sentences":[{"text":"Yep.","start":74.735,"end":75.235,"sentiment":"neutral","sentiment_score":0.07344207912683487}],"sentiment":"neutral","sentiment_score":0.07344207912683487,"channel":0,"num_words":1,"start":74.735,"end":75.235},{"sentences":[{"text":"if there's anything we can do to sort of improve it over the next twelve months.","start":74.884995,"end":78.024994,"sentiment":"neutral","sentiment_score":0.03889093082398176}],"sentiment":"neutral","sentiment_score":0.03889093082398176,"channel":1,"num_words":16,"start":74.884995,"end":78.024994},{"sentences":[{"text":"Yeah.","start":79.07,"end":79.31,"sentiment":"neutral","sentiment_score":-0.05850259214639664},{"text":"So within regards to your I'm not too sure what was spoken about during your interview, but in regards to your portfolio itself, it wasn't the whole portfolio that was, like, due to the poor performance.","start":79.31,"end":91.485,"sentiment":"neutral","sentiment_score":-0.1871293332013819},{"text":"It was one specific actively managed fund, and you do have quite a significant weighting in that.","start":91.485,"end":95.885,"sentiment":"neutral","sentiment_score":-0.15446272273274028},{"text":"Now, obviously, I wasn't the adviser that previously had the discussion that set up your investments.","start":95.885,"end":101.025,"sentiment":"neutral","sentiment_score":-0.14467833936214447},{"text":"But when having it invested in those actively managed funds comes that manager risk, and you do have, like, quite a weighting to that, which even though you're in that high growth portfolio, by having an active portion in that, also increases your risk in terms of those, like, active management and what those fund managers are doing and the performance they do get.","start":101.165,"end":120.840004,"sentiment":"negative","sentiment_score":-0.4045602541882545}],"sentiment":"neutral","sentiment_score":-0.2808039893410099,"channel":0,"num_words":134,"start":79.07,"end":120.840004},{"sentences":[{"text":"Now with that Benelong fund specifically, now they haven't been doing two crash out over the past sort of three years in terms of returns.","start":121.06,"end":129.145,"sentiment":"negative","sentiment_score":-0.35582064628601073},{"text":"They weren't negative by any means in that time frame.","start":129.145,"end":131.565,"sentiment":"neutral","sentiment_score":-0.28407119065523145},{"text":"But at the end of last year, it was found out that corporate traveler, which is like a key holding that they do","start":131.785,"end":138.12,"sentiment":"neutral","sentiment_score":-0.23240705676700757}],"sentiment":"neutral","sentiment_score":-0.2945101787817889,"channel":0,"num_words":58,"start":121.06,"end":138.12},{"sentences":[{"text":"Yes.","start":137.935,"end":138.435,"sentiment":"neutral","sentiment_score":-0.1495065838098526}],"sentiment":"neutral","sentiment_score":-0.1495065838098526,"channel":1,"num_words":1,"start":137.935,"end":138.435},{"sentences":[{"text":"have in that fund, was done for not reporting correctly, like, their accounting.","start":138.12,"end":142.45999,"sentiment":"negative","sentiment_score":-0.441280151789005},{"text":"And as a result of that, they'll put you on a trading hold.","start":142.84,"end":145.64,"sentiment":"negative","sentiment_score":-0.47916694100086504},{"text":"They had to reevaluate that stock.","start":145.64,"end":147.23999,"sentiment":"negative","sentiment_score":-0.4119732280572255},{"text":"And, obviously, when people hear about that, there's a bit of a loss of consumer confidence in the actual investment itself, which caused a key holding in your portfolio, that 30% Benelong, to take quite a a dive.","start":147.23999,"end":159.28499,"sentiment":"negative","sentiment_score":-0.48486276206217316},{"text":"And I think it was over 20% at its peak, and that occurred, like, end of last November.","start":159.28499,"end":164.34499,"sentiment":"neutral","sentiment_score":-0.3027901119656033}],"sentiment":"negative","sentiment_score":-0.43537111986767163,"channel":0,"num_words":88,"start":138.12,"end":164.34499},{"sentences":[{"text":"Now moving forward from that, there's a few options.","start":164.48499,"end":168.39,"sentiment":"neutral","sentiment_score":-0.016915558526913326},{"text":"Now you can look at holding that a bit longer to see how it recovers from that.","start":169.01,"end":173.01,"sentiment":"neutral","sentiment_score":-0.060777728829313725},{"text":"Since it occurred, it's only probably come back around, like, three or 4% from the the biggest dip that did occur, which is still quite a bit down.","start":173.01,"end":181.545,"sentiment":"neutral","sentiment_score":-0.178564954282982},{"text":"So you can look at holding it a bit longer to see if it recuperates from that.","start":182.325,"end":186.105,"sentiment":"neutral","sentiment_score":-0.07343127819545128},{"text":"As a business, we were moving away from Benelong before that time frame, so we still are looking at that.","start":186.485,"end":191.765,"sentiment":"neutral","sentiment_score":-0.15800866074860095}],"sentiment":"neutral","sentiment_score":-0.11641522067097518,"channel":0,"num_words":91,"start":164.48499,"end":191.765},{"sentences":[{"text":"But, obviously, you'd never wanna sort of sell low by","start":191.765,"end":195.01,"sentiment":"neutral","sentiment_score":-0.2284047096967697}],"sentiment":"neutral","sentiment_score":-0.2284047096967697,"channel":0,"num_words":10,"start":191.765,"end":195.01},{"sentences":[{"text":"No.","start":194.735,"end":195.135,"sentiment":"neutral","sentiment_score":-0.25062254071235657}],"sentiment":"neutral","sentiment_score":-0.25062254071235657,"channel":1,"num_words":1,"start":194.735,"end":195.135},{"sentences":[{"text":"high.","start":195.01,"end":195.33,"sentiment":"neutral","sentiment_score":-0.1946691870689392}],"sentiment":"neutral","sentiment_score":-0.1946691870689392,"channel":0,"num_words":1,"start":195.01,"end":195.33},{"sentences":[{"text":"I accept","start":195.135,"end":195.615,"sentiment":"neutral","sentiment_score":-0.08202458918094635}],"sentiment":"neutral","sentiment_score":-0.08202458918094635,"channel":1,"num_words":2,"start":195.135,"end":195.615},{"sentences":[{"text":"But","start":195.33,"end":195.83,"sentiment":"neutral","sentiment_score":-0.05566144362092018}],"sentiment":"neutral","sentiment_score":-0.05566144362092018,"channel":0,"num_words":1,"start":195.33,"end":195.83},{"sentences":[{"text":"it.","start":195.615,"end":196.115,"sentiment":"neutral","sentiment_score":-0.06671741604804993}],"sentiment":"neutral","sentiment_score":-0.06671741604804993,"channel":1,"num_words":1,"start":195.615,"end":196.115},{"sentences":[{"text":"yeah.","start":196.29,"end":196.53,"sentiment":"neutral","sentiment_score":-0.016067910939455032},{"text":"But with that in general, it's like it's not an Australian equities issue.","start":196.53,"end":200.69,"sentiment":"neutral","sentiment_score":-0.019407093704033356},{"text":"It's a fund specific issue and the investment, like, that was in it.","start":200.69,"end":204.825,"sentiment":"neutral","sentiment_score":0.033243604290943876},{"text":"So whether or not you take the loss and offset some capital gains from the rest of your portfolio from previous years of growth and","start":204.825,"end":213.465,"sentiment":"neutral","sentiment_score":0.034787168502807615}],"sentiment":"neutral","sentiment_score":0.01987472960116485,"channel":0,"num_words":52,"start":196.29,"end":213.465},{"sentences":[{"text":"Yep.","start":213.45,"end":213.95,"sentiment":"neutral","sentiment_score":-0.000675015791784972}],"sentiment":"neutral","sentiment_score":-0.000675015791784972,"channel":1,"num_words":1,"start":213.45,"end":213.95},{"sentences":[{"text":"look at doing an update now and just taking the loss and moving forward or holding that a little bit longer.","start":213.465,"end":220.02,"sentiment":"neutral","sentiment_score":-0.07968652354819435},{"text":"And you can either look to maintain an active portion within your portfolio.","start":220.02,"end":223.96,"sentiment":"neutral","sentiment_score":0.05654735261431107},{"text":"I, myself, probably wouldn't put you that heavily into one specifically actively managed fund.","start":224.34,"end":229.875,"sentiment":"neutral","sentiment_score":-0.0905278774776629},{"text":"You can normally spread it across a few or have it a little bit less.","start":230.595,"end":233.315,"sentiment":"neutral","sentiment_score":0.013209362079699834},{"text":"It's more of a satellite.","start":233.315,"end":234.455,"sentiment":"neutral","sentiment_score":0.050440138578414916}],"sentiment":"neutral","sentiment_score":-0.02581397898714332,"channel":0,"num_words":68,"start":213.465,"end":234.455},{"sentences":[{"text":"Or you can look at going a bit more of a passive investment approach, which is lower 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be","start":504.375,"end":505.035,"sentiment":"neutral","sentiment_score":-0.08971519395709038}],"sentiment":"neutral","sentiment_score":-0.08971519395709038,"channel":0,"num_words":2,"start":504.375,"end":505.035},{"sentences":[{"text":"much.","start":504.655,"end":504.975,"sentiment":"neutral","sentiment_score":-0.06613415479660034},{"text":"Yeah.","start":504.975,"end":505.475,"sentiment":"neutral","sentiment_score":-0.03587224707007408}],"sentiment":"neutral","sentiment_score":-0.05100320093333721,"channel":1,"num_words":2,"start":504.655,"end":505.475},{"sentences":[{"text":"you'd be looking sort of more around that 10 or 15% to be on the safe side of things.","start":505.735,"end":509.655,"sentiment":"neutral","sentiment_score":0.04305259569695121},{"text":"Like, if it's performing well, fantastic.","start":509.655,"end":511.255,"sentiment":"neutral","sentiment_score":0.2525528110563755},{"text":"If it does take a dive like it did, it doesn't sort of, like, negate the growth out of your whole fund.","start":511.255,"end":516.86005,"sentiment":"neutral","sentiment_score":-0.08694690973921256},{"text":"Because in terms of, like, your other investments, like, they're obviously performing still quite well, but when you have such a a high allocation to one fund that doesn't do well, it obviously eats into that.","start":517.88,"end":527.325,"sentiment":"neutral","sentiment_score":-0.28776865804360974}],"sentiment":"neutral","sentiment_score":-0.11974924721990723,"channel":0,"num_words":83,"start":505.735,"end":527.325},{"sentences":[{"text":"Yeah.","start":528.23004,"end":528.47003,"sentiment":"neutral","sentiment_score":-0.05629662424325943},{"text":"Exactly right.","start":528.47003,"end":529.07,"sentiment":"neutral","sentiment_score":-0.04159047640860081},{"text":"I mean, yeah, you can easily see that the losses on on Ben Long sort of not fully stripped everything else, but has, yeah, significantly affected everything else.","start":529.07,"end":538.745,"sentiment":"neutral","sentiment_score":-0.30792891260768684},{"text":"But, yeah, yeah, I'd like to yeah.","start":538.745,"end":541.785,"sentiment":"neutral","sentiment_score":-0.18793132901191711},{"text":"I think diversifying away.","start":541.785,"end":543.46497,"sentiment":"neutral","sentiment_score":-0.14078235626220703}],"sentiment":"neutral","sentiment_score":-0.25333656805257004,"channel":1,"num_words":42,"start":528.23004,"end":543.46497},{"sentences":[{"text":"Even if we keep a bit of it, sort of 10 to 15% as you said, is probably reasonable.","start":543.46497,"end":548.98,"sentiment":"neutral","sentiment_score":0.1262562120039212},{"text":"But, yeah, maybe looking at, yeah, taking some of that out.","start":548.98,"end":553.39996,"sentiment":"neutral","sentiment_score":-0.008262250403111631}],"sentiment":"neutral","sentiment_score":0.07693277578800917,"channel":1,"num_words":30,"start":543.46497,"end":553.39996},{"sentences":[{"text":"Yep.","start":555.195,"end":555.51495,"sentiment":"neutral","sentiment_score":0.16628766059875488},{"text":"Because I can even look with the the the losses there as well.","start":555.51495,"end":558.875,"sentiment":"neutral","sentiment_score":0.11500364140822338},{"text":"Like I said, updating the portfolio, looking at removing bed along replacement with an alternative for a bit 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a","start":581.765,"end":582.485,"sentiment":"neutral","sentiment_score":0.03152705207467079}],"sentiment":"neutral","sentiment_score":0.020765720044865328,"channel":0,"num_words":34,"start":575.35004,"end":582.485},{"sentences":[{"text":"Yeah.","start":582.41,"end":582.64996,"sentiment":"neutral","sentiment_score":0.06249692291021347}],"sentiment":"neutral","sentiment_score":0.06249692291021347,"channel":1,"num_words":1,"start":582.41,"end":582.64996},{"sentences":[{"text":"refresh","start":582.485,"end":582.885,"sentiment":"neutral","sentiment_score":0.043673109263181686}],"sentiment":"neutral","sentiment_score":0.043673109263181686,"channel":0,"num_words":1,"start":582.485,"end":582.885},{"sentences":[{"text":"Cool.","start":582.64996,"end":583.14996,"sentiment":"neutral","sentiment_score":0.2571764290332794}],"sentiment":"neutral","sentiment_score":0.2571764290332794,"channel":1,"num_words":1,"start":582.64996,"end":583.14996},{"sentences":[{"text":"now, yeah, that capital gains, it kinda gets carried forward with those losses as well, which is good in that sense.","start":582.885,"end":589.305,"sentiment":"positive","sentiment_score":0.3726100659086591}],"sentiment":"positive","sentiment_score":0.3726100659086591,"channel":0,"num_words":21,"start":582.885,"end":589.305},{"sentences":[{"text":"Yeah.","start":589.85,"end":590.35,"sentiment":"neutral","sentiment_score":0.13966001570224762}],"sentiment":"neutral","sentiment_score":0.13966001570224762,"channel":1,"num_words":1,"start":589.85,"end":590.35},{"sentences":[{"text":"And","start":590.165,"end":590.665,"sentiment":"neutral","sentiment_score":0.1342042088508606}],"sentiment":"neutral","sentiment_score":0.1342042088508606,"channel":0,"num_words":1,"start":590.165,"end":590.665},{"sentences":[{"text":"Yeah.","start":590.555,"end":590.71497,"sentiment":"neutral","sentiment_score":0.1522144228219986},{"text":"Let's in that case, let's see.","start":590.71497,"end":592.15497,"sentiment":"neutral","sentiment_score":0.10238597790400188},{"text":"Let's look at that part.","start":592.15497,"end":593.595,"sentiment":"neutral","sentiment_score":0.0879515215754509},{"text":"I think if we can","start":593.595,"end":594.235,"sentiment":"neutral","sentiment_score":0.24655184149742126}],"sentiment":"neutral","sentiment_score":0.14347335915355122,"channel":1,"num_words":17,"start":590.555,"end":594.235},{"sentences":[{"text":"yep.","start":594.18,"end":594.68,"sentiment":"neutral","sentiment_score":0.22527514398097992}],"sentiment":"neutral","sentiment_score":0.22527514398097992,"channel":0,"num_words":1,"start":594.18,"end":594.68},{"sentences":[{"text":"offset some of those capital gains on some of the other ones, it might be worth it.","start":594.235,"end":597.935,"sentiment":"neutral","sentiment_score":0.19141746049418168}],"sentiment":"neutral","sentiment_score":0.19141746049418168,"channel":1,"num_words":17,"start":594.235,"end":597.935},{"sentences":[{"text":"Yep.","start":598.18,"end":598.58,"sentiment":"neutral","sentiment_score":0.09822043031454086},{"text":"And then we'll look at moving away from Benelung, which is perfect.","start":598.58,"end":602.44,"sentiment":"neutral","sentiment_score":0.11032224850108226},{"text":"The only other one that didn't perform too fantastic about past month actually was the global global cyber.","start":602.58,"end":609.015,"sentiment":"neutral","sentiment_score":-0.11073800010813607}],"sentiment":"neutral","sentiment_score":-0.01842569643932004,"channel":0,"num_words":31,"start":598.18,"end":609.015},{"sentences":[{"text":"Yes.","start":609.61,"end":610.11,"sentiment":"neutral","sentiment_score":0.015081904828548431}],"sentiment":"neutral","sentiment_score":0.015081904828548431,"channel":1,"num_words":1,"start":609.61,"end":610.11},{"sentences":[{"text":"Now Hack, they still have high conviction in moving forward.","start":609.795,"end":612.595,"sentiment":"neutral","sentiment_score":0.019452137872576714},{"text":"Obviously, in regards to technology and AI driven companies at the moment as well, they've all taken quite a hit.","start":612.595,"end":618.135,"sentiment":"neutral","sentiment_score":-0.24938297718763353},{"text":"Not","start":618.275,"end":618.515,"sentiment":"neutral","sentiment_score":-0.19492290914058685}],"sentiment":"neutral","sentiment_score":-0.16090519594088679,"channel":0,"num_words":31,"start":609.795,"end":618.515},{"sentences":[{"text":"Yes.","start":618.41,"end":618.91,"sentiment":"neutral","sentiment_score":-0.23112842440605164}],"sentiment":"neutral","sentiment_score":-0.23112842440605164,"channel":1,"num_words":1,"start":618.41,"end":618.91},{"sentences":[{"text":"to say that, like, AI won't be around in the future.","start":618.515,"end":621.235,"sentiment":"neutral","sentiment_score":-0.2599303735928102},{"text":"It's probably just more of a market correction at this point, so they still have my conviction in that.","start":621.235,"end":625.55005,"sentiment":"neutral","sentiment_score":-0.18440803650178408},{"text":"It's just, yeah, been along itself, not so much.","start":626.09,"end":628.73004,"sentiment":"neutral","sentiment_score":-0.10110499378707674},{"text":"So we'll look at replacing that with another Australian equities fund.","start":628.73004,"end":632.27,"sentiment":"neutral","sentiment_score":-0.015058992494067008}],"sentiment":"neutral","sentiment_score":-0.14877161329146474,"channel":0,"num_words":50,"start":618.515,"end":632.27},{"sentences":[{"text":"Mhmm.","start":631.875,"end":632.375,"sentiment":"neutral","sentiment_score":-0.0015085786581039429},{"text":"Yes.","start":632.67505,"end":633.17505,"sentiment":"neutral","sentiment_score":0.025443919003009796}],"sentiment":"neutral","sentiment_score":0.011967670172452927,"channel":1,"num_words":2,"start":631.875,"end":633.17505},{"sentences":[{"text":"And then the other point that I wanted to touch on there is, well, with the risk profile.","start":634.82495,"end":640.185,"sentiment":"neutral","sentiment_score":0.00621726063804494},{"text":"So you said you're still happy with that high growth sort of allocation with that.","start":640.185,"end":643.38495,"sentiment":"neutral","sentiment_score":0.12401760071516037},{"text":"Do you still, like, understand what high growth entails and the split and the level of risk you have with that?","start":643.38495,"end":649.2,"sentiment":"neutral","sentiment_score":-0.03272655038606553}],"sentiment":"neutral","sentiment_score":0.023794761927867378,"channel":0,"num_words":54,"start":634.82495,"end":649.2},{"sentences":[{"text":"Yeah.","start":649.655,"end":649.895,"sentiment":"neutral","sentiment_score":-0.01594860479235649},{"text":"Yeah.","start":649.895,"end":650.135,"sentiment":"neutral","sentiment_score":-0.03233936429023743},{"text":"No.","start":650.135,"end":650.29504,"sentiment":"neutral","sentiment_score":-0.13885480165481567},{"text":"I understand that buying going higher growth is a higher risk category and higher 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expected.","start":700.57,"end":708.81,"sentiment":"negative","sentiment_score":-0.43652320314537396},{"text":"Sometimes you get good use, sometimes you get bad use.","start":708.81,"end":711.39,"sentiment":"neutral","sentiment_score":-0.2997388541698456},{"text":"The markets as a whole, you know, have been a bit, like, still on the up, but been a bit average, especially the last six months with everything that has occurred.","start":711.45,"end":719.065,"sentiment":"neutral","sentiment_score":-0.28076446729321636},{"text":"And then with that, the corporate traveler that did occur in yours is obviously the the nail in the coffin for the last six months performance.","start":720.485,"end":726.72504,"sentiment":"neutral","sentiment_score":-0.2037913868060479},{"text":"But in saying that, we'll get that 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still look at being an exclusion or a loading depending, but we can definitely have a look at the types of cover.","start":1028.82,"end":1036.7949,"sentiment":"neutral","sentiment_score":0.03688425684104795},{"text":"And did they talk much about trauma insurance or what that is when you originally came on board?","start":1036.7949,"end":1041.21,"sentiment":"neutral","sentiment_score":-0.0011549963512354428}],"sentiment":"neutral","sentiment_score":0.020184096902972314,"channel":0,"num_words":41,"start":1028.82,"end":1041.21},{"sentences":[{"text":"No.","start":1042.06,"end":1042.56,"sentiment":"neutral","sentiment_score":-0.20710165798664093}],"sentiment":"neutral","sentiment_score":-0.20710165798664093,"channel":1,"num_words":1,"start":1042.06,"end":1042.56},{"sentences":[{"text":"So what trauma cover is, it's an out of pocket cost.","start":1043.61,"end":1046.1699,"sentiment":"neutral","sentiment_score":-0.22035909511826254},{"text":"So I know at the moment, you know, with the the 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for the kids out of out of the picture.","start":1326.4299,"end":1333.085,"sentiment":"neutral","sentiment_score":0.08118239305913448}],"sentiment":"neutral","sentiment_score":0.05189730887611707,"channel":0,"num_words":75,"start":1318.19,"end":1333.085},{"sentences":[{"text":"But, yeah, still able to earn an income there as 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yeah.","start":1336.075,"end":1336.555,"sentiment":"positive","sentiment_score":0.378959521651268},{"text":"She's had learning income, so that's not not yet.","start":1336.555,"end":1338.475,"sentiment":"positive","sentiment_score":0.3685526218679216},{"text":"It's not really a concern.","start":1338.475,"end":1339.785,"sentiment":"neutral","sentiment_score":0.2887091875076294}],"sentiment":"positive","sentiment_score":0.3449024111032486,"channel":1,"num_words":16,"start":1336.075,"end":1339.785},{"sentences":[{"text":"Perfect.","start":1340.38,"end":1340.88,"sentiment":"positive","sentiment_score":0.6679678559303284},{"text":"And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things?","start":1340.9401,"end":1351.425,"sentiment":"neutral","sentiment_score":0.13216404153241051}],"sentiment":"neutral","sentiment_score":0.1438119505410609,"channel":0,"num_words":46,"start":1340.38,"end":1351.425},{"sentences":[{"text":"No.","start":1352.86,"end":1353.02,"sentiment":"neutral","sentiment_score":-0.09419487416744232},{"text":"Not really.","start":1353.02,"end":1353.4199,"sentiment":"neutral","sentiment_score":-0.10117163509130478},{"text":"That was kinda the only yeah.","start":1353.4199,"end":1355.275,"sentiment":"neutral","sentiment_score":-0.16537263989448547},{"text":"That that was the main things I wanted to go over.","start":1355.275,"end":1357.535,"sentiment":"neutral","sentiment_score":-0.0354979813776233}],"sentiment":"neutral","sentiment_score":-0.08396258894354106,"channel":1,"num_words":20,"start":1352.86,"end":1357.535},{"sentences":[{"text":"Perfect.","start":1358.545,"end":1359.045,"sentiment":"positive","sentiment_score":0.4371997117996216},{"text":"Obviously, if anything comes back with the the insurances, whether or not they'll offer cover and exclusions, we might just give you a little buzz just to 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with that.","start":1366.38,"end":1368.16,"sentiment":"neutral","sentiment_score":0.13080252375867632},{"text":"Otherwise, I'll get a start on the research for the the investments and things like that as well.","start":1368.54,"end":1373.04,"sentiment":"neutral","sentiment_score":0.14090395015146998},{"text":"And then following that, we'll eventually get you booked in to present that advice piece for you.","start":1373.18,"end":1377.6,"sentiment":"neutral","sentiment_score":0.1773296585854362}],"sentiment":"neutral","sentiment_score":0.15291131846606731,"channel":0,"num_words":44,"start":1366.38,"end":1377.6},{"sentences":[{"text":"Yeah.","start":1377.9099,"end":1378.1499,"sentiment":"neutral","sentiment_score":0.14513558149337769},{"text":"No.","start":1378.1499,"end":1378.39,"sentiment":"neutral","sentiment_score":0.20045077800750732},{"text":"That'll be really 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that explanation because when you're just looking at numbers on a page, you you don't get the backstory behind it.","start":1393.8201,"end":1398.88,"sentiment":"neutral","sentiment_score":0.2167396293953061}],"sentiment":"neutral","sentiment_score":0.2167396293953061,"channel":1,"num_words":24,"start":1393.8201,"end":1398.88},{"sentences":[{"text":"Yeah.","start":1399.0499,"end":1399.37,"sentiment":"neutral","sentiment_score":0.0016449056565761566},{"text":"Yeah.","start":1399.37,"end":1399.61,"sentiment":"neutral","sentiment_score":-0.036307141184806824},{"text":"Exactly.","start":1399.61,"end":1400.09,"sentiment":"neutral","sentiment_score":-0.10783730447292328},{"text":"Obviously, it's unfortunate what did occur.","start":1400.09,"end":1401.85,"sentiment":"negative","sentiment_score":-0.34178174411257106},{"text":"As I said, the past three years, Benoit wasn't doing to to crush up for a managed 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see over that time 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future and you've got time on your side, so that's the bonus.","start":1420.09,"end":1422.99,"sentiment":"positive","sentiment_score":0.43860535208995527}],"sentiment":"positive","sentiment_score":0.43860535208995527,"channel":0,"num_words":13,"start":1420.09,"end":1422.99},{"sentences":[{"text":"Exactly right.","start":1423.54,"end":1424.1799,"sentiment":"positive","sentiment_score":0.5075135827064514},{"text":"I mean, yeah, it's not a not a not great to do a loss, but, yeah, we we got time.","start":1424.1799,"end":1429.7,"sentiment":"neutral","sentiment_score":0.11945391111075879},{"text":"We can recover.","start":1429.7,"end":1430.44,"sentiment":"positive","sentiment_score":0.3504556715488434}],"sentiment":"neutral","sentiment_score":0.17821889609098435,"channel":1,"num_words":25,"start":1423.54,"end":1430.44},{"sentences":[{"text":"Exactly.","start":1431.865,"end":1432.265,"sentiment":"neutral","sentiment_score":0.3262139558792114},{"text":"Well, I'll let you get back to your afternoon.","start":1432.265,"end":1433.865,"sentiment":"positive","sentiment_score":0.3749324116441939},{"text":"Good luck with the the the kids running around and then the one on the way, and we'll talk soon.","start":1433.865,"end":1438.4451,"sentiment":"positive","sentiment_score":0.5478898778557777}],"sentiment":"positive","sentiment_score":0.4886134405930837,"channel":0,"num_words":30,"start":1431.865,"end":1438.4451},{"sentences":[{"text":"No worries.","start":1438.743,"end":1439.303,"sentiment":"positive","sentiment_score":0.4539695084095001},{"text":"Thanks very much.","start":1439.303,"end":1440.203,"sentiment":"positive","sentiment_score":0.8380085031191508}],"sentiment":"positive","sentiment_score":0.6843929052352905,"channel":1,"num_words":5,"start":1438.743,"end":1440.203},{"sentences":[{"text":"Thanks, mate.","start":1440.425,"end":1440.985,"sentiment":"positive","sentiment_score":0.7942624986171722},{"text":"Bye now.","start":1440.985,"end":1441.645,"sentiment":"positive","sentiment_score":0.5364479124546051}],"sentiment":"positive","sentiment_score":0.6653552055358887,"channel":0,"num_words":4,"start":1440.425,"end":1441.645},{"sentences":[{"text":"See you.","start":1441.6229,"end":1442.443,"sentiment":"neutral","sentiment_score":0.17936788871884346}],"sentiment":"neutral","sentiment_score":0.17936788871884346,"channel":1,"num_words":2,"start":1441.6229,"end":1442.443}]},"summary":{"result":"success","short":"Kyle from Financial suggests maintaining an active investment portfolio to see if it develops and recommends a passive investment approach. Daniel Craig Magnus expresses hesitation due to the risks of corporate travel and potential growth in the future. The speakers discuss their career strategy, risk profile, and potential risks. They also discuss updating their portfolio and removing certain funds from their portfolio, as well as the benefits of maximizing growth and increasing total permanent disability. The agent explains the benefits of maximizing growth and increasing total permanent disability, and offers to provide a quote for insurance coverage. The conversation ends with the agent offering to provide more information and a follow-up call."},"intents":{"segments":[{"text":"Thank you for that one, Daniel. Now I've got it down here that you mainly want to talk about insurance and then just your investments, but was there anything else specifically that you were looking to have a chat about today? No.","start_word":118,"end_word":159,"intents":[{"intent":"Prioritize portfolio discussions","confidence_score":0.00011379098}]},{"text":"Now moving forward from that, there's a few options.","start_word":529,"end_word":537,"intents":[{"intent":"Discuss investment options","confidence_score":0.0015757838}]},{"text":"If they're sort of stalling or taking a little bit of a, you know, a dive, then your portfolio sort of follows in in turn as well, whereas those fund managers can sort of outperform during those times if they know what they're doing and are doing well.","start_word":1317,"end_word":1364,"intents":[{"intent":"Explore portfolio options","confidence_score":0.0002165909}]},{"text":"Even if we keep a bit of it, sort of 10 to 15% as you said, is probably reasonable.","start_word":1733,"end_word":1751,"intents":[{"intent":"Evaluate portfolio diversification","confidence_score":0.32418692}]},{"text":"But, yeah, maybe looking at, yeah, taking some of that out. Yep. Because I can even look with the the the losses there as well. Like I said, updating the portfolio, looking at removing bed along replacement with an alternative for a bit lower. Yes.","start_word":1753,"end_word":1797,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.044461954}]},{"text":"It's mainly the allocation. So you just have 10% more in the growth side of things and then the the defensive side of things. It's not like you're going from something like direct shares down to, like, something like fixed interest cash and things like that. Yeah.","start_word":2195,"end_word":2241,"intents":[{"intent":"Analyze asset allocation","confidence_score":0.043571305}]},{"text":"So with that one there, I can just loosely pre assess with the insurers based on that because currently, no no symptoms, no frequencies, or anything like that. And No. Nothing.","start_word":2879,"end_word":2909,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.44049716}]},{"text":"So I'll get them to pre assess based on that. And then with that, would you be looking at income protection or trauma insurances?","start_word":3160,"end_word":3183,"intents":[{"intent":"Evaluate coverage options","confidence_score":0.14545026}]},{"text":"So we can just show you what that pricing sort of looks like as a monthly amount. And Yeah.","start_word":3531,"end_word":3549,"intents":[{"intent":"Show pricing","confidence_score":0.040404435},{"intent":"Understand cost","confidence_score":0.056680355}]},{"text":"How does that differ from, say, income protection insurance?","start_word":3561,"end_word":3569,"intents":[{"intent":"Compare income protection insurance","confidence_score":0.2653285}]},{"text":"I'd be interested to at least get a quote on it and see how much it might cost. Yeah.","start_word":3736,"end_word":3754,"intents":[{"intent":"Get a quote","confidence_score":0.30745837},{"intent":"Get a quote","confidence_score":0.35576993},{"intent":"Obtain a quote","confidence_score":0.00660816},{"intent":"Get a quote","confidence_score":0.023241565}]},{"text":"And as far as, like, your fund, like, Hub twenty four, have you had any issues with it in itself? Are you happy with the fund?","start_word":3866,"end_word":3891,"intents":[{"intent":"Ask about fund","confidence_score":0.010863328}]},{"text":"But in saying that as well with the the insurance there, you said just on the 1.2, are you happy with that? Is it, like, a flat amount that you're trying to reach? Or Yeah.","start_word":4068,"end_word":4102,"intents":[{"intent":"Acquire information","confidence_score":0.00081567373}]},{"text":"But if she is still providing an income at the end of the day, obviously, you know, taking some time off for the kids out of out of the picture. But, yeah, still able to earn an income there as well. That Yeah.","start_word":4247,"end_word":4289,"intents":[{"intent":"Provide income","confidence_score":0.17301996}]},{"text":"And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things? No.","start_word":4310,"end_word":4355,"intents":[{"intent":"Discuss topics","confidence_score":0.34227517}]},{"text":"And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things? No. Not really.","start_word":4310,"end_word":4357,"intents":[{"intent":"Address concerns","confidence_score":0.100678034}]},{"text":"Obviously, if anything comes back with the the insurances, whether or not they'll offer cover and exclusions, we might just give you a little buzz just to touch Yeah. base Sure. and see how you'd like to proceed with that. Otherwise, I'll get a start on the research for the the investments and things like that as well. And then following that, we'll eventually get you booked in to present that advice piece for you.","start_word":4376,"end_word":4450,"intents":[{"intent":"Present advice","confidence_score":0.047922857}]},{"text":"Otherwise, I'll get a start on the research for the the investments and things like that as well. And then following that, we'll eventually get you booked in to present that advice piece for you. Yeah.","start_word":4416,"end_word":4451,"intents":[{"intent":"Start research","confidence_score":0.33960772}]},{"text":"So good to get that explanation because when you're just looking at numbers on a page, you you don't get the backstory behind it. Yeah.","start_word":4515,"end_word":4539,"intents":[{"intent":"Get explanation","confidence_score":0.09884061}]}]},"sentiments":{"segments":[{"text":"Hello. Is it Dave? Good afternoon, Daniel. It's Kyle calling from Financial. How are you today? Yeah. Not too bad, Carl. How are you? Yeah. Not too bad at all.","start_word":0,"end_word":29,"sentiment":"neutral","sentiment_score":0.1969253420829773},{"text":"Thanks for asking. I've got you scheduled in for a bit of a follow-up from you in your view. Is now a good time for you?","start_word":30,"end_word":55,"sentiment":"positive","sentiment_score":0.3906212151050568},{"text":"Yeah. Yeah.","start_word":56,"end_word":57,"sentiment":"neutral","sentiment_score":0.2683069705963135},{"text":"Now it's great. Alright. Perfect.","start_word":58,"end_word":62,"sentiment":"positive","sentiment_score":0.598193347454071},{"text":"If I could just pass you through security, Daniel, we'll get stuck into that, which is that name, date of birth, and current address while you got your hands full there. Yeah. Sure. Thanks. Name's Daniel Craig Magnus. Date of birth is the 03/08/1987. My current address is 20 Phillips Street in Coburg, Victoria.","start_word":63,"end_word":116,"sentiment":"neutral","sentiment_score":0.15278568863868713},{"text":"Brilliant. Thank you for that one, Daniel.","start_word":117,"end_word":123,"sentiment":"positive","sentiment_score":0.6272456049919128},{"text":"Now I've got it down here that you mainly want to talk about insurance and then just your investments, but was there anything else specifically that you were looking to have a chat about today? No. Well, I mean, I think I think the main thing I just sort of wanted to get a bit of grasp on staying on is, obviously, like, the I guess the performance of the last four months hasn't been great. Yep. And looking at sort of what's what the the information, I guess, that I've got as part of the pack with, what sort of lead to that full performance, and Yep. if there's anything we can do to sort of improve it over the next twelve months. Yeah. So within regards to your I'm not too sure what was spoken about during your interview, but in regards to your portfolio itself, it wasn't the whole portfolio that was, like, due to the poor performance. It was one specific actively managed fund, and you do have quite a significant weighting in that. Now, obviously, I wasn't the adviser that previously had the discussion that set up your investments.","start_word":124,"end_word":317,"sentiment":"neutral","sentiment_score":-0.1095149889588356},{"text":"But when having it invested in those actively managed funds comes that manager risk, and you do have, like, quite a weighting to that, which even though you're in that high growth portfolio, by having an active portion in that, also increases your risk in terms of those, like, active management and what those fund managers are doing and the performance they do get. Now with that Benelong fund specifically, now they haven't been doing two crash out over the past sort of three years in terms of returns.","start_word":318,"end_word":406,"sentiment":"negative","sentiment_score":-0.38717734813690186},{"text":"They weren't negative by any means in that time frame. But at the end of last year, it was found out that corporate traveler, which is like a key holding that they do Yes.","start_word":407,"end_word":440,"sentiment":"neutral","sentiment_score":-0.24226254224777224},{"text":"have in that fund, was done for not reporting correctly, like, their accounting. And as a result of that, they'll put you on a trading hold. They had to reevaluate that stock. And, obviously, when people hear about that, there's a bit of a loss of consumer confidence in the actual investment itself, which caused a key holding in your portfolio, that 30% Benelong, to take quite a a dive.","start_word":441,"end_word":510,"sentiment":"negative","sentiment_score":-0.4584970772266388},{"text":"And I think it was over 20% at its peak, and that occurred, like, end of last November. Now moving forward from that, there's a few options. Now you can look at holding that a bit longer to see how it recovers from that. Since it occurred, it's only probably come back around, like, three or 4% from the the biggest dip that did occur, which is still quite a bit down. So you can look at holding it a bit longer to see if it recuperates from that. As a business, we were moving away from Benelong before that time frame, so we still are looking at that. But, obviously, you'd never wanna sort of sell low by No. high. I accept But it. yeah. But with that in general, it's like it's not an Australian equities issue. It's a fund specific issue and the investment, like, that was in it. So whether or not you take the loss and offset some capital gains from the rest of your portfolio from previous years of growth and Yep. look at doing an update now and just taking the loss and moving forward or holding that a little bit longer. And you can either look to maintain an active portion within your portfolio. I, myself, probably wouldn't put you that heavily into one specifically actively managed fund. You can normally spread it across a few or have it a little bit less. It's more of a satellite. Or you can look at going a bit more of a passive investment approach, which is lower cost. It doesn't have actively managed funds or those fund managers. It just has mainly exchange traded funds, which just encompass, like, a market. Yes. So, like, Yep. the S and P 500, you know, you've got the top 500 companies in Yeah. America. Yeah. Yeah. It's, yeah, dynamic in Yeah. I the understand sense that that it works. moves. Yeah.","start_word":511,"end_word":834,"sentiment":"neutral","sentiment_score":-0.032391508328325956},{"text":"Perfect.","start_word":835,"end_word":835,"sentiment":"positive","sentiment_score":0.3879464268684387},{"text":"Yeah. Yep. I mean yeah. I I mean, I'm obviously looking at it because it's been a long time. It's taken quite a bit in the last twelve months. I mean, obviously, you kind of explained to me that it was mainly due to corporate corporate traveler non reporting Yep. issues. Yep. Is that I mean, in in your experience and and in your opinion, is it likely to recover? So with that, like, Benelon themselves are a high conviction fund Mhmm. or at least they have been in the last five to ten years, and it's telling that they don't typically wanna change their investments up too much Yep. within that. So the rest of their underlying investments would actually be just, like, pulling the slack on that until such time they can look to remove it because they said it was on a trading hold with that Yes. and to see what corporate travel and how they recover it. That's anyone sorta guess with, like, they had to pay some compensation and things like that as well.","start_word":836,"end_word":1014,"sentiment":"neutral","sentiment_score":-0.18871064484119415},{"text":"So the future of that specific investment as well is a little bit uncertain.","start_word":1015,"end_word":1028,"sentiment":"negative","sentiment_score":-0.5307496786117554},{"text":"And as I said, as a a business as well, they were starting to move away from from Benelon just Yes. given those three years of average growth. And then Mhmm. this, like, kind of a cherry on top of the sense that they, will probably not be, like, looking at it and also removing away from that, as purple that do hold it in general. Yep. And, yeah, obviously, you can look to wait in that time frame to potentially recoup some of those losses. But even though you take a loss now, you potentially could be getting growth in something else for, like, those three to six months, whereas Benelon might not do much in that time frame, like, it's not of anyone's guess. Yeah. No. I understand what you're saying. Yeah. I mean, you never wanna settle, and it's not doing too well. But yeah. I mean, it it sounds like the better strategy we sort of diversify away from it a bit. I mean, it's the the kind of point in my career that I'm at right now. I am still looking for more of a client growth, I guess, strategy. So You can maintain, like, a high growth level of exposure without active yeah. management as well. Like, you can still Okay. have that ninety ten split of, like, growth assets to defensive. It just means Mhmm. that you you won't actively be trying to outperform the market and paying that additional cost for those managers to try and do so. It just means that you're following the market and what the market's actually doing. So if the market's doing really well, if you're an index investor, your investments are doing really well. If they're sort of stalling or taking a little bit of a, you know, a dive, then your portfolio sort of follows in in turn as well, whereas those fund managers can sort of outperform during those times if they know what they're doing and are doing well. But in saying that as well, it has been quite, like, a tumultuous twelve months in general just with, like, talk with Trump and his announcement was. So Yeah. all those sort of things, like, they're not sort of things that any analytics really point towards. Like, you can't tell what Trump is gonna tweet on a Monday that might affect Yeah. the markets? Yeah. Exactly right. I yeah. Yeah. So I've been I've been watching pretty closely the last twelve months and, yeah, it's just been all over the place. So, again, I completely completely understand that. Look, I'm willing to stay with the managed funds for now. Not necessarily that long, but staying with that additional to see sort of what happens over the next twelve months. But, yeah, you may look to to re keep that in the next twelve months. Yep. Would you want to look at like updating your portfolio in that sense like just updating it to a fresher portfolio and removing Ben Long or replacing it with another actively managed fund or just looking to replace Ben Long itself and maybe reallocating some of those funds to the other investments? Well, we're probably yeah. Probably looking to to reallocate, I think, the the the Benelon security. There's quite a lot in there. Yeah. I myself probably wouldn't wanna have 30% in one specific managed Yeah. fund. So I It's would a bit you'd be much. Yeah. you'd be looking sort of more around that 10 or 15% to be on the safe side of things. Like, if it's performing well, fantastic. If it does take a dive like it did, it doesn't sort of, like, negate the growth out of your whole fund. Because in terms of, like, your other investments, like, they're obviously performing still quite well, but when you have such a a high allocation to one fund that doesn't do well, it obviously eats into that. Yeah. Exactly right. I mean, yeah, you can easily see that the losses on on Ben Long sort of not fully stripped everything else, but has, yeah, significantly affected everything else. But, yeah, yeah, I'd like to yeah. I think diversifying away. Even if we keep a bit of it, sort of 10 to 15% as you said, is probably reasonable. But, yeah, maybe looking at, yeah, taking some of that out. Yep. Because I can even look with the the the losses there as well. Like I said, updating the portfolio, looking at removing bed along replacement with an alternative for a bit lower. Yes. And then with that, the CGT that across the other investments over the past three years, you'll be able to basically look at offsetting that cost Yes. a little bit, and then you can do an update now for not much cost. Whereas if you did it while everything's up, it would've cost you money anyway. Whereas if you do a Yeah. refresh Cool.","start_word":1029,"end_word":1860,"sentiment":"neutral","sentiment_score":-0.0674086940438988},{"text":"now, yeah, that capital gains, it kinda gets carried forward with those losses as well, which is good in that sense.","start_word":1861,"end_word":1881,"sentiment":"positive","sentiment_score":0.37073174118995667},{"text":"Yeah. And Yeah. Let's in that case, let's see. Let's look at that part. I think if we can yep. offset some of those capital gains on some of the other ones, it might be worth it. Yep. And then we'll look at moving away from Benelung, which is perfect. The only other one that didn't perform too fantastic about past month actually was the global global cyber. Yes. Now Hack, they still have high conviction in moving forward. Obviously, in regards to technology and AI driven companies at the moment as well, they've all taken quite a hit. Not Yes. to say that, like, AI won't be around in the future. It's probably just more of a market correction at this point, so they still have my conviction in that. It's just, yeah, been along itself, not so much. So we'll look at replacing that with another Australian equities fund. Mhmm. Yes. And then the other point that I wanted to touch on there is, well, with the risk profile. So you said you're still happy with that high growth sort of allocation with that. Do you still, like, understand what high growth entails and the split and the level of risk you have with that? Yeah. Yeah. No. I understand that buying going higher growth is a higher risk category and higher yeah. More more aggressive access points to points to fluctuations in the short term. But Yeah. I wouldn't say, like, in general, like, sort of, yes. But the the level of risk you take on, it doesn't mean that the asset class has changed too much. Like, obviously, from, like, a balance to a aggressive or a high growth, the asset class has changes quite a bit. But between, like, a growth and a high growth, the assets that you do hold aren't too different, especially within our portfolios. It's mainly the allocation. So you just have 10% more in the growth side of things and then the the defensive side of things. It's not like you're going from something like direct shares down to, like, something like fixed interest cash and things like that. Yeah. Of course.","start_word":1882,"end_word":2243,"sentiment":"neutral","sentiment_score":-0.029726452595497693},{"text":"And then, yeah, with that so in one in five years, you're likely to get, like, those negative returns still in those high growths, which is sort of to be, you know, expected.","start_word":2244,"end_word":2276,"sentiment":"negative","sentiment_score":-0.4335067570209503},{"text":"Sometimes you get good use, sometimes you get bad use. The markets as a whole, you know, have been a bit, like, still on the up, but been a bit average, especially the last six months with everything that has occurred. And then with that, the corporate traveler that did occur in yours is obviously the the nail in the coffin for the last six months performance. But in saying that, we'll get that updated.","start_word":2277,"end_word":2351,"sentiment":"neutral","sentiment_score":-0.20584356784820557},{"text":"Hopefully, it starts forming again moving forward.","start_word":2352,"end_word":2358,"sentiment":"positive","sentiment_score":0.49473270773887634},{"text":"You can even see from, like, April tariff talks there as well that it recovered quite nicely. So it's just one of those things. It's just market timing, which is all those, know, you don't really wanna day trade your super. Like you said, you get those sell low, buy high moments. Yeah. Exactly. I mean, what? Thirty oh, yeah.","start_word":2359,"end_word":2418,"sentiment":"neutral","sentiment_score":-0.007176150102168322},{"text":"Probably twenty five, thirty years away from the time in any way.","start_word":2419,"end_word":2430,"sentiment":"negative","sentiment_score":-0.3338005244731903},{"text":"So, again, I'm not looking at, yeah, that kind of short term gains. It's definitely the long term gain with a lot of these.","start_word":2431,"end_word":2454,"sentiment":"neutral","sentiment_score":-0.24765658378601071},{"text":"And, yeah, maximizing growth now, so it kind of compounds in the future. So Exactly.","start_word":2455,"end_word":2469,"sentiment":"positive","sentiment_score":0.5254306197166443},{"text":"yeah. The other thing that I was touching on there is the the insurance side of things. So I Yeah. know you do have life, and you've also topped up that life as well. It's like a split there, which for around Yep. that 1.2, and then you've got that total permanent disability. And I understand that you wanna increase your total permanent disability portion. Yeah. That's right. So what happened was I can't remember when I upped the life cover. So I upped the life cover probably a year ago or more and was looking to up the TPD at the same time. But what happened, I wasn't able to do it due to a pre condition preexisting medical condition. However, they said they would review it if it if I hadn't had any issues for five year or three years, I think, and I'm I'm kinda at that point now. So I don't know whether it's worth revisiting to see whether they'd be willing to up that CBD or just leaving it for another twelve months. So you said you like, you passed the five years now or coming up on sort of the five years? I'm coming up on the five years. Yep. Because, yeah, it just depends on the the condition. So you may end up with an exclusion. So with that, we can look at rewriting a policy now or doing another top up. With that, it may carry the exclusion. It may not. So with that one there, I know you had some back on neck pain, which was due to some football thing, which I don't think was the issue. It was due to the bowel information that was the Yeah. the That's more alright. recent. Yeah. So did you have any diagnosis from that, or is it, like, you Yeah. know There was there was a diagnosis with it. It was a minor minor irritation, but it it it can flare up in future, but it's, again, not not a major concern. And like I said, I haven't had an issue for Yep. Because a with that, it just sort of depends on how they rate the condition.","start_word":2470,"end_word":2835,"sentiment":"neutral","sentiment_score":-0.08049367856783946},{"text":"Obviously, you said that, like, with that mild irritation that it may sort of come back in couple of future.","start_word":2836,"end_word":2855,"sentiment":"negative","sentiment_score":-0.35153764486312866},{"text":"years. It may still look to be an exclusion even with the time elapsed with no, like, instances of flare ups. Yeah. Okay. So with that one there, I can just loosely pre assess with the insurers based on that because currently, no no symptoms, no frequencies, or anything like that. And No. Nothing. Yep. And with the treatments, there weren't any medications. It was just diet. Yeah. Exactly right. Yep. And did you have to take any medication or are you currently taking any medication for that? No. Not at all. It self corrected with the improvement in diet. Yep.","start_word":2856,"end_word":2956,"sentiment":"neutral","sentiment_score":-0.020152324810624123},{"text":"Perfect.","start_word":2957,"end_word":2957,"sentiment":"positive","sentiment_score":0.5478579998016357},{"text":"So what we can do is based and you have no other health, like, conditions or injuries or anything that has come up since you applied for that originally or came No. up? No. No. No. Nothing's changed. Perfect. And then in regards to your role, that's largely similar. You're not doing anything additionally in regards to your your occupational role or No. Occupation's exactly the same. Rules the same. Yeah. No. No change there. and that 5% in the field, are you doing much manual work or you're mainly just like walking around visiting Oh, no. sites? It it's all walking around, observations, no manual physical work, no high risk activities. Not doing it heights on any scaffolding, things like that? No. Nothing like that. Because, yeah, the option, obviously, like you did with your life, you can you can look to top up cover or we can look Mhmm. to rewrite. Now if it looks like there might be an exclusion, it's not to say that you can't have that policy in conjunction with your your other policy and maintaining that and just having a top up with another insurer or the same insurer Okay. with that in exclusion. So I'll get them to pre assess based on that. And then with that, would you be looking at income protection or trauma insurances? Because I know you only have the life and TPD at the moment. I was looking at income protection, but I think that was also excluded because of the preexisting. Yep. It's probably was just due to the recency of it because it was within, like, that Yeah. twelve month time frame. So we Yep. can definitely have a look. Yeah. Like I That'll said, be it good. might still look at being an exclusion or a loading depending, but we can definitely have a look at the types of cover. And did they talk much about trauma insurance or what that is when you originally came on board? No. So what trauma cover is, it's an out of pocket cost. So I know at the moment, you know, with the the recent mortgage and having to pay that down, you know, plus the the kid on the way, you probably, you know, stretched a little bit out of pocket. But what it is, it's an you gotta pay for that epoxy. You can't pay through super, but Yep. it's insurance that the lump sum, similar to how TPD works, it's work for specific events. So things like heart attack, strokes, those sort of traumatic events to assist with you being able to take some time off work, pay for medical costs, or things like that in the event like anything that it did occur, and it does pay as, like, a lump sum. Okay. So generally, look at, like, a year's worth of income, whether that's before tax, after tax, to say that, basically, you know, if you had a stroke tomorrow, it means that you might not be TPD. You may end up being able to get back to work, but, you know, you probably want some time off in the meantime, and that's what that sort of payment covers. And with that, obviously, it is one of the more claimed on insurances, especially with things like, you know, certain types of cancers and things like that Yeah. Yeah. Of course. and those sort of diagnosis. So we can just show you what that pricing sort of looks like as a monthly amount. And Yeah. I'll look. I would be interested to know what that is. How does that differ from, say, income protection insurance? So because my understanding with income protection is, yeah, when you're unable to work, that then kicks in and effectively replaces a percentage of your income. How's that different from trauma insurance? So with that, it just depends on what type of cover and provider you have. So if Okay. you got diagnosed with cancer tomorrow, you don't instantly, you know, unable to work. It might Mhmm. get to a point where you're unable to work due to, you know, certain, like, medical requirements and things like that or whatever treatments you have to go through, but there's certain conditions where you may still be technically fit to work, especially in, like, a role that is more office based that you may wanna take some time off work, be able to deal with medical things and things like that as well. And it generally pays a lot lot quicker depending on your waiting periods and things like that as well with those conditions. Okay. Yeah. Look. I'd be interested to at least get a quote on it and see how much it might cost. Yeah. Not not a problem at all. But yeah. And with the the lump sum payment, obviously, with income protection, it's like, you know, pays monthly. You still get taxed on that as well. You still obviously get taxed on the the trauma that gets paid in a lump sum, but with that, it's a larger amount upfront. It can help pay for the things and, Yeah. yeah, allow for that time off, whereas the income protection just kinda keeps you going, and it's like that 70% of your income. Yeah. Cool. No. Yeah. Yeah. I'd be interested to hear. Yeah. See what it's see how much that might come through.","start_word":2958,"end_word":3864,"sentiment":"neutral","sentiment_score":-0.01604182080210668},{"text":"Perfect.","start_word":3865,"end_word":3865,"sentiment":"positive","sentiment_score":0.5174875855445862},{"text":"And as far as, like, your fund, like, Hub twenty four, have you had any issues with it in itself? Are you happy with the fund?","start_word":3866,"end_word":3891,"sentiment":"neutral","sentiment_score":0.15618818998336792},{"text":"It's like reporting being able to jump on it.","start_word":3892,"end_word":3900,"sentiment":"positive","sentiment_score":0.3690098524093628},{"text":"Look, it's it's not too bad.","start_word":3901,"end_word":3906,"sentiment":"neutral","sentiment_score":0.16259950399398804},{"text":"It's not the best user interface I was saying to be honest.","start_word":3907,"end_word":3918,"sentiment":"negative","sentiment_score":-0.3377807140350342},{"text":"But Yep. yeah.","start_word":3919,"end_word":3921,"sentiment":"neutral","sentiment_score":0.22259455919265747},{"text":"Generally, it's it's not too bad. Like, I'll I'll probably log in every couple of months and sort of see how it's sticking along.","start_word":3922,"end_word":3945,"sentiment":"positive","sentiment_score":0.3737807869911194},{"text":"And yeah. Is there a way and it probably is actually I haven't really dug that much into it in terms of report generation. Oh, yeah. There it is. Actually, there is. So yeah. Look. Yeah. It's not too bad. It's not too bad. I probably haven't spent as much time as as that much time with it. Yeah. And in saying that too, if there are certain things that you don't have access to on your account, you might be able to ask us because our one's a little bit more comprehensive than, like, the version that you get as a client versus, like, an Yeah. adviser. So Yeah. we Okay. have access to a few other features there as well. But in saying that as well with the the insurance there, you said just on the 1.2, are you happy with that? Is it, like, a flat amount that you're trying to reach? Or Yeah. So the the main reasoning behind the 1.2 is just basically cover the Mortgage cost of the plus house rent mortgage. sum? Yeah. Yeah. That's right. No. Not a problem. And then, yeah, obviously, because with that, sometimes you can look to do income replacement, especially if you're the soap breadwinner and things like that as well. Does your partner obviously having the kid probably not at the moment or leading up to, but does she still work as well? She does at the moment. Yeah. But we'll be taking time off, obviously, when the second one comes along. Yeah. Yeah. Understandable. If she was, like, a stay at home mom and things like that, something was to happen to you, you might wanna look to ensure for a little bit more just in the event that, you know, you weren't able to work. But if she is still providing an income at the end of the day, obviously, you know, taking some time off for the kids out of out of the picture. But, yeah, still able to earn an income there as well. That Yeah. that's Yeah.","start_word":3946,"end_word":4291,"sentiment":"neutral","sentiment_score":0.07532035102906255},{"text":"fun. She yeah. She's had learning income, so that's not not yet.","start_word":4292,"end_word":4303,"sentiment":"positive","sentiment_score":0.3904872238636017},{"text":"It's not really a concern.","start_word":4304,"end_word":4308,"sentiment":"neutral","sentiment_score":0.2976212799549103},{"text":"Perfect.","start_word":4309,"end_word":4309,"sentiment":"positive","sentiment_score":0.6679678559303284},{"text":"And as far as anything else that you want to address at this time, is there anything else that you want included in the the advice piece or anything else you want to address apart from the investments and the the insurance side of things? No. Not really. That was kinda the only yeah. That that was the main things I wanted to go over.","start_word":4310,"end_word":4374,"sentiment":"neutral","sentiment_score":0.05566978454589844},{"text":"Perfect.","start_word":4375,"end_word":4375,"sentiment":"positive","sentiment_score":0.4371997117996216},{"text":"Obviously, if anything comes back with the the insurances, whether or not they'll offer cover and exclusions, we might just give you a little buzz just to touch Yeah. base Sure. and see how you'd like to proceed with that. Otherwise, I'll get a start on the research for the the investments and things like that as well. And then following that, we'll eventually get you booked in to present that advice piece for you. Yeah. No.","start_word":4376,"end_word":4452,"sentiment":"neutral","sentiment_score":0.1292610466480255},{"text":"That'll be really good.","start_word":4453,"end_word":4456,"sentiment":"positive","sentiment_score":0.3667667508125305},{"text":"No problem, Daniel. But if anything pops up in the the meantime there, feel free to give us a buzz that you wanna have a chat about. But is there anything else that you wanna have a chat about that we didn't cover there today? No. That's everything. I think that's yeah.","start_word":4457,"end_word":4508,"sentiment":"neutral","sentiment_score":0.09514369070529938},{"text":"You've been really good.","start_word":4509,"end_word":4512,"sentiment":"positive","sentiment_score":0.6273937225341797},{"text":"That's yeah. So good to get that explanation because when you're just looking at numbers on a page, you you don't get the backstory behind it. Yeah. Yeah. Exactly.","start_word":4513,"end_word":4541,"sentiment":"neutral","sentiment_score":0.17325113713741302},{"text":"Obviously, it's unfortunate what did occur.","start_word":4542,"end_word":4547,"sentiment":"negative","sentiment_score":-0.3892960250377655},{"text":"As I said, the past three years, Benoit wasn't doing to to crush up for a managed fund. They're still making a return. But, yeah, that that Yeah. announcement of corporate travel, like, as I said, nail in the coffin sort of put it into any sort of growth it did see over that time frame. But Yeah. it's That's always right.","start_word":4548,"end_word":4609,"sentiment":"neutral","sentiment_score":0.06495654582977295},{"text":"the future and you've got time on your side, so that's the bonus. Exactly right.","start_word":4610,"end_word":4624,"sentiment":"positive","sentiment_score":0.4604220688343048},{"text":"I mean, yeah, it's not a not a not great to do a loss, but, yeah, we we got time.","start_word":4625,"end_word":4644,"sentiment":"neutral","sentiment_score":0.1261884719133377},{"text":"We can recover.","start_word":4645,"end_word":4647,"sentiment":"positive","sentiment_score":0.34059831500053406},{"text":"Exactly.","start_word":4648,"end_word":4648,"sentiment":"neutral","sentiment_score":0.3262139558792114},{"text":"Well, I'll let you get back to your afternoon. Good luck with the the the kids running around and then the one on the way, and we'll talk soon. No worries. Thanks very much. Thanks, mate. Bye now. See you.","start_word":4649,"end_word":4688,"sentiment":"positive","sentiment_score":0.5287732481956482}],"average":{"sentiment":"neutral","sentiment_score":-0.02701862945221072}}}}