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I was just giving you a call to talk through the portfolio questions that you had because Veronica's gone home sick today. So I thought I wanted to jump on and have a chat to you if that's okay. Perfect. Now before I do that, just wanna check if you're okay for the calls to be recorded as usual. Awesome. And just for security purposes, so I'm registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Yes, please. Perfect. No. That's perfect. Thank you so much for that, Megan. Appreciate that. Awesome. Now what I'm just going through, I've been going through your file just before the call, having a look at your superannuation account. I know that you do a bit of investing yourself, so I just wanted to start with your own thoughts and ideas and and what you may wanna get out of this call. Yeah. Yeah. Yes. Okay. Absolutely. The nifty 50. Yeah. I did see there was, like, a little bit little bit of a custom portfolio. You've got mainly ninety percent one of our model portfolios and the Nifty 50 added in as well. So it's pretty close to one of our main sort of more high growth portfolios. That's for sure. You pretty much have very little in the way of, like, defensive assets. So from what I can see, you're in a pretty aggressive portfolio, which I'm assuming you're pretty comfortable with going for those high returns long term. Yep. Perfect. So one of the things that I can say, I'll run you through just a bit of an update with what's going on with the investments and then a couple of ideas that we could consider and run them by you, if that's okay. Beautiful. So having a look at all the options, you're still up positive for the year about 5%. Obviously, market's taking a bit of a dive at the moment. So if I look at kind of when you've had that original conversation last time with Veronica mid last year, you kind of had this surge from all the way up to 290,000 was your peak, and it's dropped back down to two sixty since then. Again, yeah, still up 5% for the year, but that's kind of the the drop that's been happening, mainly in three options. So the nifty fifties had one of the bigger drops, so that one's obviously a concern. 19%, that one's going down the last twelve months, pretty solid. And your Benelong Australian equities have also gone down 19%, which is a little bit of a red flag for me. When I go through compare I guess, Australian options compared to the Australian market, the market still hasn't been doing too bad the last twelve months, and there's a lot of options there that have done pretty well the last twelve months as well. So Rather than options trading. Yeah. So what I mean is, like, let's say you've got nine investment options in your portfolio. One of them's in property. One of them's in Australian shares. One of them's in US shares. Your Australian shares portions kind of underperformed a little bit alongside that nifty 50. Yeah. Great question. Great question. Yeah. So when we do, we use a few I'll try not to use too many kind of, like, jargon, but we use a strategic asset allocation where we go, okay. For your risk level, you wanna have a proportion in different assets, property, shares, gold, all that kind of thing. We do recommend a portion in the Australian side just because of the high dividends and everything for the diversification. So it's not a a full requirement, but it's definitely recommended to have a little bit in there. But we do tend to go pretty heavy in the international side. Yeah. Absolutely. So one thing I can do is I've got a a dedicated adviser for you. Veronica is gonna be looking after you for the year. And what I've been already talking to her about is reducing the allocation to the Australian equities and just dropping that down a little bit, but also just replacing it with something that's actually getting the returns that the rest of the peer group are doing. So it is a bit more defensive, but still getting those double digit returns. Okay. Yeah. And you've still got, like, your your battery tech and lithium up 77%. Your gold's up 21%. That's all doing good. S and P five hundred's in there. One of the things that we're looking at too is your S and P 500 for the American shares is is unhedged at the moment, and that's causing some currency issues the last twelve months. So we are looking at potentially a little bit of currency hedging as well, but we're gonna pretty much review the full portfolio, to be perfectly honest, just to make sure if there's two or three things to switch out. Cybersecurity is down a little bit as well. So that's your yeah. Overall, like, hacker's a pretty good ETF, and it's been going pretty strong for many years, but it's just the the recent the recent sort of tech issues. They've kind of had a bit of an issue from that. Like, you would expect cybersecurity to do pretty well with all the AI things going on, but it's just had a bit of a sell off, to be honest. Nothing too alarming, though, but it is it's it's taken a bit of a hit. Yeah. Yep. Yep. Okay. Yeah. Okay. Absolutely. So one question I've got for you. Yeah. You go. Yeah. That's the the sole one at the moment, which is probably one of my main issues is that's one option. Yes. There's not a multiple option. So the exposure's low ish, but it's still close to 28%, which we're feeling is a little bit high in the Australian side. No. That's okay. So let me ask you that when it comes to replacing some options, obviously, we do look at sectors and and market areas and countries and things like that, but also investment style is pretty important. Are you familiar with the, like, active and passive and those types of styles of investment? That's okay. It's straight up another term for, like, index funds. So your passive is kind of like an index fund, low fee, follows that market very closely. The active fund is a manager that charges a little bit extra to try and pick and choose the stocks and try and outperform the market. Yep. Yeah. Okay. So you're comfortable to go either way even if it's maybe a blend of the blend of the two, we can do a bit of a core and satellite approach. Yep. Okay. So we do have a few options there that I'll run through with Veronica as well. We've got a a new SMA, which addresses two or three of these issues that we've just talked about. We've got some updated options for a couple of those that we're looking to replace. So I might do yeah. So your portfolio at the moment with the eight or nine options, call that like a model portfolio where you've got your eight or nine options, and you can sort of pick and choose and rebalance those. The SMA kind of puts a bubble around it and allows us to kind of switch in and out options a bit more frequently throughout the year depending on if the investment committee thinks we need to lean a different way. We don't have to go through that whole process of here's a statement of advice. We're recommending to change this option to that option. So it kinda depends on whether you wanna have a visibility under the hood a bit more or if you're happy for it to kind of be bubbled up a little bit and a little bit more actively managed. Cool. Okay. So that pretty much gives me everything that I need, and I'll I'll have a bit of a chat to her, and I know she's already had a few ideas. There's probably two or three things that we're just gonna research and kind of put together into a bit of a plan for you. Can I just ask as well, have you had any kind of major changes at the start of this year in the last few months, whether it's employments, health, assets, liabilities? Yep. Yep. Sure. Yeah. Yeah. That sounds about right. Yeah. So we would need to refresh the third party authority. There would be no change to, like, your member number or account number. Really just making sure that we've got some of them only last twelve months, unfortunately, and then they do lapse. Let me just have a quick look because we normally have to send certified ID along with it. And I'm just gonna double check the last time we had it in 2024. Let me just have a quick look. Driver's license there. Alright. Sorry. Just bear with me for one moment while it loads up. Yeah. You don't have an expiry until 2033. So what we'll basically do, if you're comfortable, is we'll send you through another third party authority for host plus, and then we will basically recertify the same ID and then send that through, and we should be able to get some updated research there as well. Is that okay? Perfect. What I'll do too, while we go through that bit of a portfolio review, it'll probably take, I would say, maybe two to three weeks just to get all of the plan together. If Veronica needs to have a bit of a a quick chat with you to run through couple of ideas, is that okay if she hooks in for a bit of a a quick catch up? Yep. K. So I'm gonna put a couple notes on the account to review the portfolio. We're still okay with, like, an active management style. We wanna most likely get rid of the the nifty 50 option, review the Benelon option as well, maybe reduce Aussie exposure. Does that sound about right? Anything I've missed there? Amazing, Megan. I have everything that I need. And as soon as Veronica's back in office, I'll run through it with her, and then I'll get her to to give you a buzz if there's anything else that she needs. Other than that, we'll pretty much be doing some background research and and put together some updates for you. Awesome. Anything else you need before I let you go? Awesome, Megan. You have a fantastic day, and we'll talk to you again soon. Thank you, mate. 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afternoon, Megan. It's Tommy here, senior adviser from Oakview Financial. How are you doing? I'm doing fantastic. Thank you for asking.\n\nI was just giving you a call to talk through the portfolio questions that you had because Veronica's gone home sick today. So I thought I wanted to jump on and have a chat to you if that's okay. Perfect. Now before I do that, just wanna check if you're okay for the calls to be recorded as usual. Awesome.\n\nAnd just for security purposes, so I'm registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Yes, please. Perfect. No.\n\nThat's perfect. Thank you so much for that, Megan. Appreciate that. Awesome. Now what I'm just going through, I've been going through your file just before the call, having a look at your superannuation account.\n\nI know that you do a bit of investing yourself, so I just wanted to start with your own thoughts and ideas and and what you may wanna get out of this call. Yeah. Yeah. Yes. Okay.\n\nAbsolutely. The nifty 50. Yeah. I did see there was, like, a little bit little bit of a custom portfolio. You've got mainly ninety percent one of our model portfolios and the Nifty 50 added in as well.\n\nSo it's pretty close to one of our main sort of more high growth portfolios. That's for sure. You pretty much have very little in the way of, like, defensive assets. So from what I can see, you're in a pretty aggressive portfolio, which I'm assuming you're pretty comfortable with going for those high returns long term. Yep.\n\nPerfect. So one of the things that I can say, I'll run you through just a bit of an update with what's going on with the investments and then a couple of ideas that we could consider and run them by you, if that's okay. Beautiful. So having a look at all the options, you're still up positive for the year about 5%. Obviously, market's taking a bit of a dive at the moment.\n\nSo if I look at kind of when you've had that original conversation last time with Veronica mid last year, you kind of had this surge from all the way up to 290,000 was your peak, and it's dropped back down to two sixty since then. Again, yeah, still up 5% for the year, but that's kind of the the drop that's been happening, mainly in three options. So the nifty fifties had one of the bigger drops, so that one's obviously a concern. 19%, that one's going down the last twelve months, pretty solid. And your Benelong Australian equities have also gone down 19%, which is a little bit of a red flag for me.\n\nWhen I go through compare I guess, Australian options compared to the Australian market, the market still hasn't been doing too bad the last twelve months, and there's a lot of options there that have done pretty well the last twelve months as well. So Rather than options trading. Yeah. So what I mean is, like, let's say you've got nine investment options in your portfolio. One of them's in property.\n\nOne of them's in Australian shares. One of them's in US shares. Your Australian shares portions kind of underperformed a little bit alongside that nifty 50. Yeah. Great question.\n\nGreat question. Yeah. So when we do, we use a few I'll try not to use too many kind of, like, jargon, but we use a strategic asset allocation where we go, okay. For your risk level, you wanna have a proportion in different assets, property, shares, gold, all that kind of thing. We do recommend a portion in the Australian side just because of the high dividends and everything for the diversification.\n\nSo it's not a a full requirement, but it's definitely recommended to have a little bit in there. But we do tend to go pretty heavy in the international side. Yeah. Absolutely. So one thing I can do is I've got a a dedicated adviser for you.\n\nVeronica is gonna be looking after you for the year. And what I've been already talking to her about is reducing the allocation to the Australian equities and just dropping that down a little bit, but also just replacing it with something that's actually getting the returns that the rest of the peer group are doing. So it is a bit more defensive, but still getting those double digit returns. Okay. Yeah.\n\nAnd you've still got, like, your your battery tech and lithium up 77%. Your gold's up 21%. That's all doing good. S and P five hundred's in there. One of the things that we're looking at too is your S and P 500 for the American shares is is unhedged at the moment, and that's causing some currency issues the last twelve months.\n\nSo we are looking at potentially a little bit of currency hedging as well, but we're gonna pretty much review the full portfolio, to be perfectly honest, just to make sure if there's two or three things to switch out. Cybersecurity is down a little bit as well. So that's your yeah. Overall, like, hacker's a pretty good ETF, and it's been going pretty strong for many years, but it's just the the recent the recent sort of tech issues. They've kind of had a bit of an issue from that.\n\nLike, you would expect cybersecurity to do pretty well with all the AI things going on, but it's just had a bit of a sell off, to be honest. Nothing too alarming, though, but it is it's it's taken a bit of a hit. Yeah. Yep. Yep.\n\nOkay. Yeah. Okay. Absolutely. So one question I've got for you.\n\nYeah. You go. Yeah. That's the the sole one at the moment, which is probably one of my main issues is that's one option. Yes.\n\nThere's not a multiple option. So the exposure's low ish, but it's still close to 28%, which we're feeling is a little bit high in the Australian side. No. That's okay. So let me ask you that when it comes to replacing some options, obviously, we do look at sectors and and market areas and countries and things like that, but also investment style is pretty important.\n\nAre you familiar with the, like, active and passive and those types of styles of investment? That's okay. It's straight up another term for, like, index funds. So your passive is kind of like an index fund, low fee, follows that market very closely. The active fund is a manager that charges a little bit extra to try and pick and choose the stocks and try and outperform the market.\n\nYep. Yeah. Okay. So you're comfortable to go either way even if it's maybe a blend of the blend of the two, we can do a bit of a core and satellite approach. Yep.\n\nOkay. So we do have a few options there that I'll run through with Veronica as well. We've got a a new SMA, which addresses two or three of these issues that we've just talked about. We've got some updated options for a couple of those that we're looking to replace. So I might do yeah.\n\nSo your portfolio at the moment with the eight or nine options, call that like a model portfolio where you've got your eight or nine options, and you can sort of pick and choose and rebalance those. The SMA kind of puts a bubble around it and allows us to kind of switch in and out options a bit more frequently throughout the year depending on if the investment committee thinks we need to lean a different way. We don't have to go through that whole process of here's a statement of advice. We're recommending to change this option to that option. So it kinda depends on whether you wanna have a visibility under the hood a bit more or if you're happy for it to kind of be bubbled up a little bit and a little bit more actively managed.\n\nCool. Okay. So that pretty much gives me everything that I need, and I'll I'll have a bit of a chat to her, and I know she's already had a few ideas. There's probably two or three things that we're just gonna research and kind of put together into a bit of a plan for you. Can I just ask as well, have you had any kind of major changes at the start of this year in the last few months, whether it's employments, health, assets, liabilities?\n\nYep. Yep. Sure. Yeah. Yeah.\n\nThat sounds about right. Yeah. So we would need to refresh the third party authority. There would be no change to, like, your member number or account number. Really just making sure that we've got some of them only last twelve months, unfortunately, and then they do lapse.\n\nLet me just have a quick look because we normally have to send certified ID along with it. And I'm just gonna double check the last time we had it in 2024. Let me just have a quick look. Driver's license there. Alright.\n\nSorry. Just bear with me for one moment while it loads up. Yeah. You don't have an expiry until 2033. So what we'll basically do, if you're comfortable, is we'll send you through another third party authority for host plus, and then we will basically recertify the same ID and then send that through, and we should be able to get some updated research there as well.\n\nIs that okay? Perfect. What I'll do too, while we go through that bit of a portfolio review, it'll probably take, I would say, maybe two to three weeks just to get all of the plan together. If Veronica needs to have a bit of a a quick chat with you to run through couple of ideas, is that okay if she hooks in for a bit of a a quick catch up? Yep.\n\nK. So I'm gonna put a couple notes on the account to review the portfolio. We're still okay with, like, an active management style. We wanna most likely get rid of the the nifty 50 option, review the Benelon option as well, maybe reduce Aussie exposure. Does that sound about right?\n\nAnything I've missed there? Amazing, Megan. I have everything that I need. And as soon as Veronica's back in office, I'll run through it with her, and then I'll get her to to give you a buzz if there's anything else that she needs. Other than that, we'll pretty much be doing some background research and and put together some updates for you.\n\nAwesome. Anything else you need before I let you go? Awesome, Megan. You have a fantastic day, and we'll talk to you again soon. Thank you, mate.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Megan.","start":4.08,"end":5.12,"sentiment":"positive","sentiment_score":0.38073089718818665},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":5.12,"end":7.68,"sentiment":"neutral","sentiment_score":0.2243184708058834},{"text":"How are you doing?","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.23093264549970627},{"text":"I'm doing fantastic.","start":10.16,"end":11.219999,"sentiment":"positive","sentiment_score":0.7376778324445089},{"text":"Thank you for asking.","start":11.44,"end":12.5,"sentiment":"positive","sentiment_score":0.7226340174674988}],"sentiment":"positive","sentiment_score":0.40745639123699884,"num_words":22,"start":4.08,"end":12.5},{"sentences":[{"text":"I was just giving you a call to talk through the portfolio questions that you had because Veronica's gone home sick today.","start":12.755,"end":19.555,"sentiment":"neutral","sentiment_score":-0.006716394796967507},{"text":"So I thought I wanted to jump on and have a chat to you if that's okay.","start":19.555,"end":22.775,"sentiment":"neutral","sentiment_score":0.025832037496216157},{"text":"Perfect.","start":24.115,"end":24.595001,"sentiment":"neutral","sentiment_score":0.2861039638519287},{"text":"Now before I do that, just wanna check if you're okay for the calls to be recorded as usual.","start":24.595001,"end":28.64,"sentiment":"neutral","sentiment_score":0.04581112061676226},{"text":"Awesome.","start":30.38,"end":30.88,"sentiment":"positive","sentiment_score":0.3754172921180725}],"sentiment":"neutral","sentiment_score":0.030388608326514563,"num_words":60,"start":12.755,"end":30.88},{"sentences":[{"text":"And just for security purposes, so I'm registered with ASIC as Adviser 1273105.","start":31.02,"end":37.12,"sentiment":"neutral","sentiment_score":0.10463470793687381},{"text":"Are you okay to confirm your date of birth and address, please?","start":37.26,"end":40.4,"sentiment":"neutral","sentiment_score":0.03700394261007508},{"text":"Yes, please.","start":45.735,"end":46.635002,"sentiment":"neutral","sentiment_score":0.02604751195758581},{"text":"Perfect.","start":49.095,"end":49.595,"sentiment":"neutral","sentiment_score":0.04358460009098053},{"text":"No.","start":57.030003,"end":57.27,"sentiment":"neutral","sentiment_score":0.0018186494708061216}],"sentiment":"neutral","sentiment_score":0.06557919958542133,"num_words":29,"start":31.02,"end":57.27},{"sentences":[{"text":"That's perfect.","start":57.27,"end":57.91,"sentiment":"neutral","sentiment_score":0.2084806114435196},{"text":"Thank you so much for that, Megan.","start":57.91,"end":59.190002,"sentiment":"positive","sentiment_score":0.6699915613446917},{"text":"Appreciate that.","start":59.190002,"end":60.09,"sentiment":"positive","sentiment_score":0.5838147103786469},{"text":"Awesome.","start":61.83,"end":62.230003,"sentiment":"positive","sentiment_score":0.4990749061107635},{"text":"Now what I'm just going through, I've been going through your file just before the call, having a look at your superannuation account.","start":62.230003,"end":68.534996,"sentiment":"neutral","sentiment_score":0.08583783585092296}],"sentiment":"neutral","sentiment_score":0.24993933439254762,"num_words":35,"start":57.27,"end":68.534996},{"sentences":[{"text":"I know that you do a bit of investing yourself, so I just wanted to start with your own thoughts and ideas and and what you may wanna get out of this call.","start":68.994995,"end":77.655,"sentiment":"neutral","sentiment_score":0.1253724405259797},{"text":"Yeah.","start":84.369995,"end":84.869995,"sentiment":"neutral","sentiment_score":-0.02078455686569214},{"text":"Yeah.","start":96.945,"end":97.445,"sentiment":"neutral","sentiment_score":-0.018614038825035095},{"text":"Yes.","start":111.28,"end":111.78,"sentiment":"neutral","sentiment_score":-0.003976929932832718},{"text":"Okay.","start":122.73499,"end":123.05499,"sentiment":"neutral","sentiment_score":0.08250986039638519}],"sentiment":"neutral","sentiment_score":0.11287634789540961,"num_words":37,"start":68.994995,"end":123.05499},{"sentences":[{"text":"Absolutely.","start":123.05499,"end":123.55499,"sentiment":"neutral","sentiment_score":0.1450314819812775},{"text":"The nifty 50.","start":123.69499,"end":124.41499,"sentiment":"neutral","sentiment_score":0.09492405752340953},{"text":"Yeah.","start":124.41499,"end":124.494995,"sentiment":"neutral","sentiment_score":-0.017430178821086884},{"text":"I did see there was, like, a little bit little bit of a custom portfolio.","start":124.494995,"end":127.395,"sentiment":"neutral","sentiment_score":0.06387620021899541},{"text":"You've got mainly ninety percent one of our model portfolios and the Nifty 50 added in as well.","start":127.534996,"end":133.06999,"sentiment":"neutral","sentiment_score":0.13348895890845192}],"sentiment":"neutral","sentiment_score":0.09929783524651277,"num_words":38,"start":123.05499,"end":133.06999},{"sentences":[{"text":"So it's pretty close to one of our main sort of more high growth portfolios.","start":133.06999,"end":138.29,"sentiment":"neutral","sentiment_score":0.11673677985866865},{"text":"That's for sure.","start":138.35,"end":139.33,"sentiment":"neutral","sentiment_score":0.1400038500626882},{"text":"You pretty much have very little in the way of, like, defensive assets.","start":139.63,"end":144.125,"sentiment":"neutral","sentiment_score":0.04316842154814647},{"text":"So from what I can see, you're in a pretty aggressive portfolio, which I'm assuming you're pretty comfortable with going for those high returns long term.","start":144.125,"end":152.065,"sentiment":"neutral","sentiment_score":0.18814153639742962},{"text":"Yep.","start":164.3,"end":164.45999,"sentiment":"neutral","sentiment_score":0.23936669528484344}],"sentiment":"neutral","sentiment_score":0.13557412706572433,"num_words":58,"start":133.06999,"end":164.45999},{"sentences":[{"text":"Perfect.","start":164.45999,"end":164.94,"sentiment":"positive","sentiment_score":0.5503247380256653},{"text":"So one of the things that I can say, I'll run you through just a bit of an update with what's going on with the investments and then a couple of ideas that we could consider and run them by you, if that's okay.","start":164.94,"end":173.915,"sentiment":"neutral","sentiment_score":0.20241788554597984},{"text":"Beautiful.","start":175.33499,"end":175.83499,"sentiment":"positive","sentiment_score":0.6181161403656006},{"text":"So having a look at all the options, you're still up positive for the year about 5%.","start":176.295,"end":180.83,"sentiment":"positive","sentiment_score":0.36081312333836274},{"text":"Obviously, market's taking a bit of a dive at the moment.","start":180.83,"end":183.49,"sentiment":"neutral","sentiment_score":-0.31123862212354486}],"sentiment":"neutral","sentiment_score":0.17277062291631828,"num_words":74,"start":164.45999,"end":183.49},{"sentences":[{"text":"So if I look at kind of when you've had that original conversation last time with Veronica mid last year, you kind of had this surge from all the way up to 290,000 was your peak, and it's dropped back down to two sixty since then.","start":183.63,"end":201.025,"sentiment":"neutral","sentiment_score":-0.09615801489385574},{"text":"Again, yeah, still up 5% for the year, but that's kind of the the drop that's been happening, mainly in three options.","start":201.405,"end":209.54,"sentiment":"neutral","sentiment_score":-0.14779726195741782},{"text":"So the nifty fifties had one of the bigger drops, so that one's obviously a concern.","start":209.92,"end":215.86,"sentiment":"neutral","sentiment_score":-0.19176935218274593},{"text":"19%, that one's going down the last twelve months, pretty solid.","start":216.64,"end":220.9,"sentiment":"neutral","sentiment_score":-0.16729758036407558},{"text":"And your Benelong Australian equities have also gone down 19%, which is a little bit of a red flag for me.","start":221.68501,"end":228.585,"sentiment":"neutral","sentiment_score":-0.31426055587473367}],"sentiment":"neutral","sentiment_score":-0.1653695098317132,"num_words":116,"start":183.63,"end":228.585},{"sentences":[{"text":"When I go through compare I guess, Australian options compared to the Australian market, the market still hasn't been doing too bad the last twelve months, and there's a lot of options there that have done pretty well the last twelve months as well.","start":228.645,"end":243.36,"sentiment":"neutral","sentiment_score":0.2690802940421484},{"text":"So Rather than options trading.","start":243.36,"end":257.715,"sentiment":"neutral","sentiment_score":-0.003865674324333666},{"text":"Yeah.","start":260.175,"end":260.675,"sentiment":"neutral","sentiment_score":0.03849194943904877},{"text":"So what I mean is, like, let's say you've got nine investment options in your portfolio.","start":260.735,"end":266.37,"sentiment":"neutral","sentiment_score":0.02407155861146748},{"text":"One of them's in property.","start":266.75,"end":267.97,"sentiment":"neutral","sentiment_score":0.025646262243390082}],"sentiment":"neutral","sentiment_score":0.17425454598130055,"num_words":71,"start":228.645,"end":267.97},{"sentences":[{"text":"One of them's in Australian shares.","start":268.03,"end":269.79,"sentiment":"neutral","sentiment_score":0.019869385287165642},{"text":"One of them's in US shares.","start":269.79,"end":271.33002,"sentiment":"neutral","sentiment_score":0.01652665389701724},{"text":"Your Australian shares portions kind of underperformed a little bit alongside that nifty 50.","start":271.39,"end":276.61002,"sentiment":"neutral","sentiment_score":0.01840527475412403},{"text":"Yeah.","start":280.655,"end":281.155,"sentiment":"neutral","sentiment_score":0.011095146648585796},{"text":"Great question.","start":291.87,"end":292.69,"sentiment":"neutral","sentiment_score":0.10056097060441971}],"sentiment":"neutral","sentiment_score":0.023733350673112375,"num_words":29,"start":268.03,"end":292.69},{"sentences":[{"text":"Great question.","start":292.99,"end":293.81,"sentiment":"neutral","sentiment_score":0.10502484440803528},{"text":"Yeah.","start":304.605,"end":304.845,"sentiment":"neutral","sentiment_score":0.04336800426244736},{"text":"So when we do, we use a few I'll try not to use too many kind of, like, jargon, but we use a strategic asset allocation where we go, okay.","start":304.845,"end":313.08502,"sentiment":"neutral","sentiment_score":0.08057765836517015},{"text":"For your risk level, you wanna have a proportion in different assets, property, shares, gold, all that kind of thing.","start":313.08502,"end":320.98,"sentiment":"neutral","sentiment_score":0.08935116957873106},{"text":"We do recommend a portion in the Australian side just because of the high dividends and everything for the diversification.","start":321.12003,"end":327.62003,"sentiment":"neutral","sentiment_score":0.3208602726459503}],"sentiment":"neutral","sentiment_score":0.14897227792503082,"num_words":73,"start":292.99,"end":327.62003},{"sentences":[{"text":"So it's not a a full requirement, but it's definitely recommended to have a little bit in there.","start":328.395,"end":332.955,"sentiment":"neutral","sentiment_score":0.04485693035854234},{"text":"But we do tend to go pretty heavy in the international side.","start":332.955,"end":336.095,"sentiment":"neutral","sentiment_score":-0.0762973449503382},{"text":"Yeah.","start":346.57,"end":347.07,"sentiment":"neutral","sentiment_score":-0.21726641058921817},{"text":"Absolutely.","start":352.585,"end":353.085,"sentiment":"neutral","sentiment_score":0.040798015892505646},{"text":"So one thing I can do is I've got a a dedicated adviser for you.","start":353.145,"end":356.26498,"sentiment":"neutral","sentiment_score":0.13787384033203126}],"sentiment":"neutral","sentiment_score":0.037946719517733186,"num_words":47,"start":328.395,"end":356.26498},{"sentences":[{"text":"Veronica is gonna be looking after you for the year.","start":356.26498,"end":358.685,"sentiment":"neutral","sentiment_score":0.14815365821123122},{"text":"And what I've been already talking to her about is reducing the allocation to the Australian equities and just dropping that down a little bit, but also just replacing it with something that's actually getting the returns that the rest of the peer group are doing.","start":358.985,"end":373.1,"sentiment":"neutral","sentiment_score":0.06482833429523137},{"text":"So it is a bit more defensive, but still getting those double digit returns.","start":373.48,"end":377.82,"sentiment":"neutral","sentiment_score":0.08001315992857728},{"text":"Okay.","start":380.195,"end":380.695,"sentiment":"neutral","sentiment_score":0.08693163841962814},{"text":"Yeah.","start":402.13,"end":402.525,"sentiment":"neutral","sentiment_score":0.08315969258546829}],"sentiment":"neutral","sentiment_score":0.07991549346802963,"num_words":72,"start":356.26498,"end":402.525},{"sentences":[{"text":"And you've still got, like, your your battery tech and lithium up 77%.","start":403.725,"end":408.225,"sentiment":"neutral","sentiment_score":0.2290585757448123},{"text":"Your gold's up 21%.","start":408.525,"end":410.365,"sentiment":"positive","sentiment_score":0.37742772698402405},{"text":"That's all doing good.","start":410.365,"end":411.66498,"sentiment":"positive","sentiment_score":0.44426482915878296},{"text":"S and P five hundred's in there.","start":413.405,"end":415.32498,"sentiment":"neutral","sentiment_score":0.021352918951639106},{"text":"One of the things that we're looking at too is your S and P 500 for the American shares is is unhedged at the moment, and that's causing some currency issues the last twelve months.","start":415.32498,"end":426.01,"sentiment":"neutral","sentiment_score":-0.12148410614047732}],"sentiment":"neutral","sentiment_score":0.034318387730135805,"num_words":63,"start":403.725,"end":426.01},{"sentences":[{"text":"So we are looking at potentially a little bit of currency hedging as well, but we're gonna pretty much review the full portfolio, to be perfectly honest, just to make sure if there's two or three things to switch out.","start":426.01,"end":436.525,"sentiment":"neutral","sentiment_score":-0.04556893277913332},{"text":"Cybersecurity is down a little bit as well.","start":443.4,"end":445.66,"sentiment":"neutral","sentiment_score":-0.17987557500600815},{"text":"So that's your yeah.","start":445.8,"end":447.41998,"sentiment":"neutral","sentiment_score":-0.006447295658290386},{"text":"Overall, like, hacker's a pretty good ETF, and it's been going pretty strong for many years, but it's just the the recent the recent sort of tech issues.","start":447.96,"end":456.3,"sentiment":"neutral","sentiment_score":0.07187835433121238},{"text":"They've kind of had a bit of an issue from that.","start":456.66498,"end":458.425,"sentiment":"neutral","sentiment_score":-0.07958442175930197}],"sentiment":"neutral","sentiment_score":-0.023630613317856423,"num_words":91,"start":426.01,"end":458.425},{"sentences":[{"text":"Like, you would expect cybersecurity to do pretty well with all the AI things going on, but it's just had a bit of a sell off, to be honest.","start":458.425,"end":465.645,"sentiment":"neutral","sentiment_score":-0.04504429304908062},{"text":"Nothing too alarming, though, but it is it's it's taken a bit of a hit.","start":468.505,"end":472.44,"sentiment":"positive","sentiment_score":0.38028158619999886},{"text":"Yeah.","start":487.25497,"end":487.655,"sentiment":"neutral","sentiment_score":0.13581405580043793},{"text":"Yep.","start":487.655,"end":488.155,"sentiment":"neutral","sentiment_score":0.08465137332677841},{"text":"Yep.","start":500.31,"end":500.71,"sentiment":"neutral","sentiment_score":0.05612596869468689}],"sentiment":"neutral","sentiment_score":0.09945809983826698,"num_words":47,"start":458.425,"end":500.71},{"sentences":[{"text":"Okay.","start":500.71,"end":501.21,"sentiment":"neutral","sentiment_score":0.03265717625617981},{"text":"Yeah.","start":508.88498,"end":509.38498,"sentiment":"neutral","sentiment_score":0.10130532830953598},{"text":"Okay.","start":525.06,"end":525.56,"sentiment":"neutral","sentiment_score":0.08894190192222595},{"text":"Absolutely.","start":534.435,"end":534.675,"sentiment":"neutral","sentiment_score":0.14766371250152588},{"text":"So one question I've got for you.","start":534.675,"end":538.85504,"sentiment":"neutral","sentiment_score":0.04581536326025214}],"sentiment":"neutral","sentiment_score":0.06284324198283932,"num_words":11,"start":500.71,"end":538.85504},{"sentences":[{"text":"Yeah.","start":539.075,"end":539.315,"sentiment":"neutral","sentiment_score":0.02983171120285988},{"text":"You go.","start":539.315,"end":539.97504,"sentiment":"neutral","sentiment_score":0.02032994758337736},{"text":"Yeah.","start":543.315,"end":543.815,"sentiment":"neutral","sentiment_score":0.02006463333964348},{"text":"That's the the sole one at the moment, which is probably one of my main issues is that's one option.","start":549.17004,"end":555.01,"sentiment":"neutral","sentiment_score":0.009776457987027243},{"text":"Yes.","start":555.01,"end":555.51,"sentiment":"neutral","sentiment_score":0.02724069356918335}],"sentiment":"neutral","sentiment_score":0.012533043720759451,"num_words":25,"start":539.075,"end":555.51},{"sentences":[{"text":"There's not a multiple option.","start":556.37006,"end":557.89,"sentiment":"neutral","sentiment_score":-0.006161052826792001},{"text":"So the exposure's low ish, but it's still close to 28%, which we're feeling is a little bit high in the Australian side.","start":557.89,"end":564.615,"sentiment":"neutral","sentiment_score":0.049874603343398674},{"text":"No.","start":583.265,"end":583.425,"sentiment":"neutral","sentiment_score":-0.021679960191249847},{"text":"That's okay.","start":583.425,"end":584.165,"sentiment":"neutral","sentiment_score":0.022980579175055027},{"text":"So let me ask you that when it comes to replacing some options, obviously, we do look at sectors and and market areas and countries and things like that, but also investment style is pretty important.","start":587.105,"end":598.88,"sentiment":"neutral","sentiment_score":0.07974590216245916}],"sentiment":"neutral","sentiment_score":0.05987230281748656,"num_words":67,"start":556.37006,"end":598.88},{"sentences":[{"text":"Are you familiar with the, like, active and passive and those types of styles of investment?","start":599.58,"end":603.83997,"sentiment":"neutral","sentiment_score":0.013638635660754517},{"text":"That's okay.","start":611.195,"end":612.015,"sentiment":"neutral","sentiment_score":-0.021874483674764633},{"text":"It's straight up another term for, like, index funds.","start":613.515,"end":616.395,"sentiment":"neutral","sentiment_score":0.10507653984758589},{"text":"So your passive is kind of like an index fund, low fee, follows that market very closely.","start":616.395,"end":621.375,"sentiment":"neutral","sentiment_score":0.1682393375565024},{"text":"The active fund is a manager that charges a little bit extra to try and pick and choose the stocks and try and outperform the market.","start":621.68,"end":628.66,"sentiment":"neutral","sentiment_score":0.19386585515279037}],"sentiment":"neutral","sentiment_score":0.1288677004897701,"num_words":70,"start":599.58,"end":628.66},{"sentences":[{"text":"Yep.","start":652.67,"end":653.17,"sentiment":"neutral","sentiment_score":0.034026168286800385},{"text":"Yeah.","start":657.39,"end":657.89,"sentiment":"neutral","sentiment_score":0.07406170666217804},{"text":"Okay.","start":662.665,"end":662.90497,"sentiment":"neutral","sentiment_score":0.137186199426651},{"text":"So you're comfortable to go either way even if it's maybe a blend of the blend of the two, we can do a bit of a core and satellite approach.","start":662.90497,"end":670.365,"sentiment":"neutral","sentiment_score":0.17029479990402857},{"text":"Yep.","start":670.81,"end":671.31,"sentiment":"neutral","sentiment_score":0.1933358907699585}],"sentiment":"neutral","sentiment_score":0.16316041065489545,"num_words":34,"start":652.67,"end":671.31},{"sentences":[{"text":"Okay.","start":672.97003,"end":673.47003,"sentiment":"neutral","sentiment_score":0.14364588260650635},{"text":"So we do have a few options there that I'll run through with Veronica as well.","start":673.61005,"end":678.09,"sentiment":"neutral","sentiment_score":0.12493049027398229},{"text":"We've got a a new SMA, which addresses two or three of these issues that we've just talked about.","start":678.09,"end":684.27,"sentiment":"neutral","sentiment_score":0.08299426401132032},{"text":"We've got some updated options for a couple of those that we're looking to replace.","start":684.535,"end":689.035,"sentiment":"neutral","sentiment_score":0.04532978348433971},{"text":"So I might do yeah.","start":689.335,"end":695.335,"sentiment":"neutral","sentiment_score":0.0019841413944959646}],"sentiment":"neutral","sentiment_score":0.07873736075790864,"num_words":56,"start":672.97003,"end":695.335},{"sentences":[{"text":"So your portfolio at the moment with the eight or nine options, call that like a model portfolio where you've got your eight or nine options, and you can sort of pick and choose and rebalance those.","start":695.335,"end":705.84,"sentiment":"neutral","sentiment_score":0.06540273885066444},{"text":"The SMA kind of puts a bubble around it and allows us to kind of switch in and out options a bit more frequently throughout the year depending on if the investment committee thinks we need to lean a different way.","start":706.06,"end":718.07495,"sentiment":"neutral","sentiment_score":0.10886021494501974},{"text":"We don't have to go through that whole process of here's a statement of advice.","start":718.07495,"end":721.995,"sentiment":"neutral","sentiment_score":-0.12343138058980306},{"text":"We're recommending to change this option to that option.","start":721.995,"end":725.13495,"sentiment":"neutral","sentiment_score":-0.08656597427195972},{"text":"So it kinda depends on whether you wanna have a visibility under the hood a bit more or if you're happy for it to kind of be bubbled up a little bit and a little bit more actively managed.","start":725.435,"end":735.0,"sentiment":"neutral","sentiment_score":0.07585570092002551}],"sentiment":"neutral","sentiment_score":0.05114168800572132,"num_words":141,"start":695.335,"end":735.0},{"sentences":[{"text":"Cool.","start":753.56995,"end":753.97,"sentiment":"positive","sentiment_score":0.579695999622345},{"text":"Okay.","start":753.97,"end":754.44995,"sentiment":"positive","sentiment_score":0.34795957803726196},{"text":"So that pretty much gives me everything that I need, and I'll I'll have a bit of a chat to her, and I know she's already had a few ideas.","start":754.44995,"end":760.38995,"sentiment":"positive","sentiment_score":0.37192541162172954},{"text":"There's probably two or three things that we're just gonna research and kind of put together into a bit of a plan for you.","start":761.41,"end":767.305,"sentiment":"neutral","sentiment_score":0.3164329535017411},{"text":"Can I just ask as well, have you had any kind of major changes at the start of this year in the last few months, whether it's employments, health, assets, liabilities?","start":767.365,"end":777.065,"sentiment":"neutral","sentiment_score":-0.027897778117368297}],"sentiment":"neutral","sentiment_score":0.21626411136453863,"num_words":87,"start":753.56995,"end":777.065},{"sentences":[{"text":"Yep.","start":779.27997,"end":779.77997,"sentiment":"neutral","sentiment_score":-0.03716359660029411},{"text":"Yep.","start":792.015,"end":792.515,"sentiment":"neutral","sentiment_score":-0.001760053215548396},{"text":"Sure.","start":801.79,"end":802.29,"sentiment":"neutral","sentiment_score":-0.03453381359577179},{"text":"Yeah.","start":818.60504,"end":819.10504,"sentiment":"neutral","sentiment_score":-0.09083615988492966},{"text":"Yeah.","start":826.45996,"end":826.94,"sentiment":"neutral","sentiment_score":-0.026577426120638847}],"sentiment":"neutral","sentiment_score":-0.03817420988343656,"num_words":5,"start":779.27997,"end":826.94},{"sentences":[{"text":"That sounds about right.","start":826.94,"end":828.48,"sentiment":"neutral","sentiment_score":-0.020732753910124302},{"text":"Yeah.","start":844.795,"end":845.195,"sentiment":"neutral","sentiment_score":-0.037803564220666885},{"text":"So we would need to refresh the third party authority.","start":845.195,"end":848.255,"sentiment":"neutral","sentiment_score":-0.08200202398002147},{"text":"There would be no change to, like, your member number or account number.","start":849.195,"end":852.815,"sentiment":"neutral","sentiment_score":-0.07548406061071616},{"text":"Really just making sure that we've got some of them only last twelve months, unfortunately, and then they do lapse.","start":853.26996,"end":859.93,"sentiment":"neutral","sentiment_score":-0.19362797327339648}],"sentiment":"neutral","sentiment_score":-0.12072098068892956,"num_words":48,"start":826.94,"end":859.93},{"sentences":[{"text":"Let me just have a quick look because we normally have to send certified ID along with it.","start":860.39,"end":867.195,"sentiment":"neutral","sentiment_score":0.016428199751923483},{"text":"And I'm just gonna double check the last time we had it in 2024.","start":867.435,"end":872.815,"sentiment":"neutral","sentiment_score":0.0030746994806187494},{"text":"Let me just have a quick look.","start":873.515,"end":875.215,"sentiment":"neutral","sentiment_score":0.008177277365965503},{"text":"Driver's license there.","start":875.675,"end":877.855,"sentiment":"neutral","sentiment_score":-0.0007556010968983173},{"text":"Alright.","start":881.53,"end":882.03,"sentiment":"neutral","sentiment_score":0.010511833243072031}],"sentiment":"neutral","sentiment_score":0.009400915343660948,"num_words":43,"start":860.39,"end":882.03},{"sentences":[{"text":"Sorry.","start":883.13,"end":883.45,"sentiment":"neutral","sentiment_score":-0.049440767616033554},{"text":"Just bear with me for one moment while it loads up.","start":883.45,"end":885.95,"sentiment":"neutral","sentiment_score":-0.04162599857557903},{"text":"Yeah.","start":886.33,"end":886.65,"sentiment":"neutral","sentiment_score":0.0008842116221785545},{"text":"You don't have an expiry until 2033.","start":886.65,"end":889.69,"sentiment":"neutral","sentiment_score":-0.04579450562596321},{"text":"So what we'll basically do, if you're comfortable, is we'll send you through another third party authority for host plus, and then we will basically recertify the same ID and then send that through, and we should be able to get some updated research there as well.","start":889.69,"end":902.805,"sentiment":"neutral","sentiment_score":0.0610855786486509}],"sentiment":"neutral","sentiment_score":0.030507733086263065,"num_words":67,"start":883.13,"end":902.805},{"sentences":[{"text":"Is that okay?","start":904.785,"end":905.605,"sentiment":"neutral","sentiment_score":0.2998514672120412},{"text":"Perfect.","start":908.4,"end":908.8,"sentiment":"positive","sentiment_score":0.5980955362319946},{"text":"What I'll do too, while we go through that bit of a portfolio review, it'll probably take, I would say, maybe two to three weeks just to get all of the plan together.","start":908.8,"end":918.34,"sentiment":"neutral","sentiment_score":0.09709753186413736},{"text":"If Veronica needs to have a bit of a a quick chat with you to run through couple of ideas, is that okay if she hooks in for a bit of a a quick catch up?","start":918.64,"end":926.175,"sentiment":"neutral","sentiment_score":0.036468371360873185},{"text":"Yep.","start":931.915,"end":932.415,"sentiment":"neutral","sentiment_score":0.023575492203235623}],"sentiment":"neutral","sentiment_score":0.08159872095377461,"num_words":74,"start":904.785,"end":932.415},{"sentences":[{"text":"K.","start":932.71497,"end":933.115,"sentiment":"neutral","sentiment_score":0.020583294332027435},{"text":"So I'm gonna put a couple notes on the account to review the portfolio.","start":933.115,"end":937.55,"sentiment":"neutral","sentiment_score":0.04590075409838131},{"text":"We're still okay with, like, an active management style.","start":937.85,"end":940.83,"sentiment":"neutral","sentiment_score":0.01785721371157302},{"text":"We wanna most likely get rid of the the nifty 50 option, review the Benelon option as well, maybe reduce Aussie exposure.","start":942.08997,"end":950.545,"sentiment":"neutral","sentiment_score":0.02295952739024704},{"text":"Does that sound about right?","start":953.725,"end":954.845,"sentiment":"neutral","sentiment_score":0.032791218534111974}],"sentiment":"neutral","sentiment_score":0.029274009222931722,"num_words":51,"start":932.71497,"end":954.845},{"sentences":[{"text":"Anything I've missed there?","start":954.845,"end":956.065,"sentiment":"neutral","sentiment_score":-0.01281619188375771},{"text":"Amazing, Megan.","start":959.82,"end":960.72003,"sentiment":"positive","sentiment_score":0.6398861408233643},{"text":"I have everything that I need.","start":960.86,"end":962.38,"sentiment":"positive","sentiment_score":0.6462341447671255},{"text":"And as soon as Veronica's back in office, I'll run through it with her, and then I'll get her to to give you a buzz if there's anything else that she needs.","start":962.38,"end":970.14,"sentiment":"neutral","sentiment_score":0.27622046787291765},{"text":"Other than that, we'll pretty much be doing some background research and and put together some updates for you.","start":970.14,"end":975.795,"sentiment":"neutral","sentiment_score":0.2280554436147213}],"sentiment":"neutral","sentiment_score":0.2901273140210717,"num_words":63,"start":954.845,"end":975.795},{"sentences":[{"text":"Awesome.","start":977.855,"end":978.175,"sentiment":"positive","sentiment_score":0.786404550075531},{"text":"Anything else you need before I let you go?","start":978.175,"end":979.81494,"sentiment":"positive","sentiment_score":0.34698062472873265},{"text":"Awesome, Megan.","start":983.81494,"end":984.6149,"sentiment":"positive","sentiment_score":0.767884761095047},{"text":"You have a fantastic day, and we'll talk to you again soon.","start":984.6149,"end":987.1149,"sentiment":"positive","sentiment_score":0.7500001986821493},{"text":"Thank you, mate.","start":988.93494,"end":989.65497,"sentiment":"positive","sentiment_score":0.6532905499140421}],"sentiment":"positive","sentiment_score":0.6075879158797087,"num_words":27,"start":977.855,"end":989.65497},{"sentences":[{"text":"Bye.","start":989.65497,"end":990.15497,"sentiment":"neutral","sentiment_score":-0.1144985929131508}],"sentiment":"neutral","sentiment_score":-0.1144985929131508,"num_words":1,"start":989.65497,"end":990.15497}]}}]},{"alternatives":[{"transcript":"Hello? Megan speaking. I'm good. How are you? Okay. No worries. Yeah. Sure. That's fine. Yeah. Date of birth and address, '20 ninth of the 09/1983, and address is 14 Filing Grove, Sunbury, Victoria. Did you need the postcode? Yeah. There was one main thing I wanted to check on. Well, so first, sorry. I'll take take a step back. Yeah. Just getting general overview on how it's going. I haven't had a close I haven't had a look at it for a while. And the second thing is is more specific is part of my investment is in the Nifty fifty, the Indian market. I want to see if like, last year, it didn't do well, so we can consider moving around. So have a look at that. Yeah. Yeah. Yeah. I was, but this year probably wasn't the best of year. But yeah. No. I I definitely am speaking with the aggressive approach. Sure. Yeah. Yep. Yep. Okay. Okay. Oh, well. Yes. When when we say options, is it just is it the specific financial instrument that we invested in as in options, or is it just the general meaning of options? Is that what you mean? The the panel on? Yeah. Okay. Yeah. Yeah. Can I ask a question about the Australian shares? It's my understanding sorry. This is a quick do I have to invest in Australian shares? I I I thought there was a minimum requirement or something for some reason, but maybe it was just that more supposed to be a bit more defensive, I think, is the way I saw it anyway. Yeah. Okay. Yeah. I I prefer to yeah. I'm I'm not a fan of the Australian shares unless they're a good defensive asset, but if Benelon is not actually doing that at all, I'd like to relook at that. Yeah. Yeah. Sure. Yep. Yep. Yeah. Yep. Yeah. That sounds good. Yep. I think that's right. Because it's not fitting the purpose. I think we've got enough, higher yield assets and investments. And, yeah, it probably needs something a bit more defensive. Yes, sir. Okay. Okay. Yeah. Could you tell me how the I think it's the cyber security stuff is going. Oh, really? Okay. Yeah. Yeah. Absolutely. Yeah. Okay. That's alright. Well, I guess yeah. I'm happy with that. I think that in the long term, it should be a very good investment. Yeah. And I'm happy to consider other things that are quite similar in those kind of future emerging markets. And what was the other question I had? Yeah. I think just I think I'd like to move all of this all of everything out of the nifty 50 as well. I previously had concerns with the Chinese market and the political interference that was happening in in China, But I'm happy to if that's still coming up as one of the best options, yeah, happy to go with it because it it doesn't seem to be much of a problem, I don't think. Yeah. But also happy to explore all options, and I'd prefer to take your or Veronica's advice on, yeah, on both of those two. So just to add one just with the Australian shares, there was a was there another Australian index that I had money invested in? Oh, okay. Okay. Yeah. Yeah. I'm happy to reduce it. It'd be in fact, I I would like to if we're if we're allowed to. I'm not sure where I got that idea about a minimum investment in Australian stuff, but I might have made that up in my head. Yeah. K. Yeah. What do you mean by passive? I don't I'm not sure I quite as in a yeah. Yep. I don't mind either. I think as long as we've got a strong index, that's okay. But I think so far what I'm seeing is the portfolio, the the I mean, the reason I kinda wanna go with you guys is before the active manage active style of management compared to what I was with host plus, which was very passive. And yeah. So yeah. Yeah. I I I to be honest, I prefer active. Yeah. I prefer the active. Yep. Sorry. What what's the SMA? That sounds familiar, but I can't remember what it refers to. In. Okay. Happy for it to be bundled up to the, you know, active manage with if if it's particularly like so if it's being reviewed by the yeah. That that sounds that sounds good. Yeah. I'm I'm not currently employed. So no changes here. Hopefully, I'll have some income coming in the next month or two, But I'll let you know. There there is one thing that might need our attention. I got got an email from Voice Plus. What does it say? What? Says cessation of third party authority details on my account. So sounds like my authorization for you guys might have run out of date or something. Yeah. So is there a form that I'll need to or or will need to fill out? Do you know? Or is there someone else maybe that could help me work through that? Yeah. No. No. Yes. Mhmm. Okay. Great. Yeah. That'd be wonderful. Thank you. Yeah. Call me anytime, and just I'll make sure you if I miss the call, I'll I'll give you a callback. Well, I'll keep her on for a callback. Yeah. Yep. No. That's all. Yep. Alright. 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Megan speaking. I'm good. How are you? Okay.\n\nNo worries. Yeah. Sure. That's fine. Yeah.\n\nDate of birth and address, '20 ninth of the 09/1983, and address is 14 Filing Grove, Sunbury, Victoria. Did you need the postcode? Yeah. There was one main thing I wanted to check on. Well, so first, sorry.\n\nI'll take take a step back. Yeah. Just getting general overview on how it's going. I haven't had a close I haven't had a look at it for a while. And the second thing is is more specific is part of my investment is in the Nifty fifty, the Indian market.\n\nI want to see if like, last year, it didn't do well, so we can consider moving around. So have a look at that. Yeah. Yeah. Yeah.\n\nI was, but this year probably wasn't the best of year. But yeah. No. I I definitely am speaking with the aggressive approach. Sure.\n\nYeah. Yep. Yep. Okay. Okay.\n\nOh, well. Yes. When when we say options, is it just is it the specific financial instrument that we invested in as in options, or is it just the general meaning of options? Is that what you mean? The the panel on?\n\nYeah. Okay. Yeah. Yeah. Can I ask a question about the Australian shares?\n\nIt's my understanding sorry. This is a quick do I have to invest in Australian shares? I I I thought there was a minimum requirement or something for some reason, but maybe it was just that more supposed to be a bit more defensive, I think, is the way I saw it anyway. Yeah. Okay.\n\nYeah. I I prefer to yeah. I'm I'm not a fan of the Australian shares unless they're a good defensive asset, but if Benelon is not actually doing that at all, I'd like to relook at that. Yeah. Yeah.\n\nSure. Yep. Yep. Yeah. Yep.\n\nYeah. That sounds good. Yep. I think that's right. Because it's not fitting the purpose.\n\nI think we've got enough, higher yield assets and investments. And, yeah, it probably needs something a bit more defensive. Yes, sir. Okay. Okay.\n\nYeah. Could you tell me how the I think it's the cyber security stuff is going. Oh, really? Okay. Yeah.\n\nYeah. Absolutely. Yeah. Okay. That's alright.\n\nWell, I guess yeah. I'm happy with that. I think that in the long term, it should be a very good investment. Yeah. And I'm happy to consider other things that are quite similar in those kind of future emerging markets.\n\nAnd what was the other question I had? Yeah. I think just I think I'd like to move all of this all of everything out of the nifty 50 as well. I previously had concerns with the Chinese market and the political interference that was happening in in China, But I'm happy to if that's still coming up as one of the best options, yeah, happy to go with it because it it doesn't seem to be much of a problem, I don't think. Yeah.\n\nBut also happy to explore all options, and I'd prefer to take your or Veronica's advice on, yeah, on both of those two. So just to add one just with the Australian shares, there was a was there another Australian index that I had money invested in? Oh, okay. Okay. Yeah.\n\nYeah. I'm happy to reduce it. It'd be in fact, I I would like to if we're if we're allowed to. I'm not sure where I got that idea about a minimum investment in Australian stuff, but I might have made that up in my head. Yeah.\n\nK. Yeah. What do you mean by passive? I don't I'm not sure I quite as in a yeah. Yep.\n\nI don't mind either. I think as long as we've got a strong index, that's okay. But I think so far what I'm seeing is the portfolio, the the I mean, the reason I kinda wanna go with you guys is before the active manage active style of management compared to what I was with host plus, which was very passive. And yeah. So yeah.\n\nYeah. I I I to be honest, I prefer active. Yeah. I prefer the active. Yep.\n\nSorry. What what's the SMA? That sounds familiar, but I can't remember what it refers to. In. Okay.\n\nHappy for it to be bundled up to the, you know, active manage with if if it's particularly like so if it's being reviewed by the yeah. That that sounds that sounds good. Yeah. I'm I'm not currently employed. So no changes here.\n\nHopefully, I'll have some income coming in the next month or two, But I'll let you know. There there is one thing that might need our attention. I got got an email from Voice Plus. What does it say? What?\n\nSays cessation of third party authority details on my account. So sounds like my authorization for you guys might have run out of date or something. Yeah. So is there a form that I'll need to or or will need to fill out? Do you know?\n\nOr is there someone else maybe that could help me work through that? Yeah. No. No. Yes.\n\nMhmm. Okay. Great. Yeah. That'd be wonderful.\n\nThank you. Yeah. Call me anytime, and just I'll make sure you if I miss the call, I'll I'll give you a callback. Well, I'll keep her on for a callback. Yeah.\n\nYep. No. That's all. Yep. Alright.\n\nThank you. No. No. That's all. Okay.\n\nSee","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.022430019453167915},{"text":"Megan speaking.","start":2.1599998,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.04661906324326992},{"text":"I'm good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.4448424130678177},{"text":"How are you?","start":9.28,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.31553128361701965},{"text":"Okay.","start":19.904999,"end":20.305,"sentiment":"neutral","sentiment_score":0.010744400322437286}],"sentiment":"neutral","sentiment_score":0.2180768025832044,"num_words":9,"start":1.8399999,"end":20.305},{"sentences":[{"text":"No 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well.","start":220.39,"end":221.13,"sentiment":"neutral","sentiment_score":0.036050050519406796},{"text":"Yes.","start":226.63,"end":227.13,"sentiment":"neutral","sentiment_score":-0.14192095398902893},{"text":"When when we say options, is it just is it the specific financial instrument that we invested in as in options, or is it just the general meaning of options?","start":244.035,"end":259.54,"sentiment":"neutral","sentiment_score":0.026457234658300875},{"text":"Is that what you mean?","start":259.73502,"end":259.975,"sentiment":"neutral","sentiment_score":0.009137207269668579},{"text":"The the panel on?","start":259.975,"end":261.915,"sentiment":"neutral","sentiment_score":0.028635806869715452}],"sentiment":"neutral","sentiment_score":0.021050605967286088,"num_words":42,"start":220.39,"end":261.915},{"sentences":[{"text":"Yeah.","start":265.815,"end":266.315,"sentiment":"neutral","sentiment_score":0.03603866696357727},{"text":"Okay.","start":267.255,"end":267.755,"sentiment":"neutral","sentiment_score":0.0262894444167614},{"text":"Yeah.","start":269.015,"end":269.515,"sentiment":"neutral","sentiment_score":0.01914183609187603},{"text":"Yeah.","start":274.77502,"end":275.27502,"sentiment":"neutral","sentiment_score":0.011791973374783993},{"text":"Can I ask a question about the Australian shares?","start":276.97,"end":280.03,"sentiment":"neutral","sentiment_score":0.007385837535063426}],"sentiment":"neutral","sentiment_score":0.012287266050966887,"num_words":13,"start":265.815,"end":280.03},{"sentences":[{"text":"It's my understanding sorry.","start":281.37,"end":284.57,"sentiment":"neutral","sentiment_score":0.0022887266241014004},{"text":"This is a quick do I have to invest in Australian shares?","start":284.57,"end":290.475,"sentiment":"neutral","sentiment_score":-0.005460100869337718},{"text":"I I I thought there was a minimum requirement or something for some reason, but maybe it was just that more supposed to be a bit more defensive, I think, is the way I saw it anyway.","start":293.195,"end":303.87,"sentiment":"neutral","sentiment_score":-0.03528206805522378},{"text":"Yeah.","start":319.08502,"end":319.58502,"sentiment":"neutral","sentiment_score":0.09464313089847563},{"text":"Okay.","start":327.245,"end":327.745,"sentiment":"neutral","sentiment_score":0.09890207648277284}],"sentiment":"neutral","sentiment_score":-0.021241047538139605,"num_words":55,"start":281.37,"end":327.745},{"sentences":[{"text":"Yeah.","start":336.86,"end":337.36,"sentiment":"neutral","sentiment_score":-0.03244805335998535},{"text":"I I prefer to yeah.","start":337.5,"end":341.25998,"sentiment":"neutral","sentiment_score":-0.048943942040205},{"text":"I'm I'm not a fan of the Australian shares unless they're a good defensive asset, but if Benelon is not actually doing that at all, I'd like to relook at that.","start":341.25998,"end":352.275,"sentiment":"neutral","sentiment_score":-0.24997191299353877},{"text":"Yeah.","start":353.69498,"end":354.19498,"sentiment":"neutral","sentiment_score":-0.009485297836363316},{"text":"Yeah.","start":357.935,"end":358.435,"sentiment":"neutral","sentiment_score":0.12648241221904755}],"sentiment":"neutral","sentiment_score":-0.2028025628712315,"num_words":39,"start":336.86,"end":358.435},{"sentences":[{"text":"Sure.","start":358.53,"end":358.93,"sentiment":"neutral","sentiment_score":0.16396662592887878},{"text":"Yep.","start":358.93,"end":359.43,"sentiment":"neutral","sentiment_score":0.1222373992204666},{"text":"Yep.","start":359.81,"end":360.31,"sentiment":"neutral","sentiment_score":0.05952807888388634},{"text":"Yeah.","start":366.69,"end":367.19,"sentiment":"neutral","sentiment_score":0.029874898493289948},{"text":"Yep.","start":374.21,"end":374.325,"sentiment":"neutral","sentiment_score":0.09224804490804672}],"sentiment":"neutral","sentiment_score":0.09357100948691369,"num_words":5,"start":358.53,"end":374.325},{"sentences":[{"text":"Yeah.","start":378.64502,"end":378.96503,"sentiment":"neutral","sentiment_score":0.2754018306732178},{"text":"That sounds good.","start":378.96503,"end":379.845,"sentiment":"positive","sentiment_score":0.4381461441516876},{"text":"Yep.","start":379.845,"end":380.165,"sentiment":"neutral","sentiment_score":0.18227455019950867},{"text":"I think that's right.","start":380.165,"end":381.045,"sentiment":"neutral","sentiment_score":0.03371838666498661},{"text":"Because it's not fitting the purpose.","start":381.045,"end":383.065,"sentiment":"neutral","sentiment_score":-0.31505027661720914}],"sentiment":"neutral","sentiment_score":0.00111244668563207,"num_words":15,"start":378.64502,"end":383.065},{"sentences":[{"text":"I think we've got enough, higher yield assets and investments.","start":383.52502,"end":396.18,"sentiment":"neutral","sentiment_score":-0.07500225119292736},{"text":"And, yeah, it probably needs something a bit more defensive.","start":398.4,"end":400.66,"sentiment":"neutral","sentiment_score":-0.13219139352440834},{"text":"Yes, sir.","start":404.26498,"end":405.165,"sentiment":"neutral","sentiment_score":0.19843216985464096},{"text":"Okay.","start":414.105,"end":414.45,"sentiment":"neutral","sentiment_score":0.036486417055130005},{"text":"Okay.","start":430.465,"end":430.965,"sentiment":"neutral","sentiment_score":-0.055406421422958374}],"sentiment":"neutral","sentiment_score":-0.07058300465966265,"num_words":24,"start":383.52502,"end":430.965},{"sentences":[{"text":"Yeah.","start":434.225,"end":434.725,"sentiment":"neutral","sentiment_score":-0.0039408765733242035},{"text":"Could you tell me how the I think it's the cyber security stuff is going.","start":437.345,"end":445.9,"sentiment":"neutral","sentiment_score":-0.07701566393176715},{"text":"Oh, really?","start":445.9,"end":446.53998,"sentiment":"neutral","sentiment_score":-0.006559229921549559},{"text":"Okay.","start":446.53998,"end":447.03998,"sentiment":"neutral","sentiment_score":0.0056274812668561935},{"text":"Yeah.","start":457.435,"end":457.935,"sentiment":"neutral","sentiment_score":-0.04789779335260391}],"sentiment":"neutral","sentiment_score":-0.06072823037393391,"num_words":20,"start":434.225,"end":457.935},{"sentences":[{"text":"Yeah.","start":463.355,"end":463.855,"sentiment":"neutral","sentiment_score":-0.04362254589796066},{"text":"Absolutely.","start":463.995,"end":464.495,"sentiment":"neutral","sentiment_score":-0.1275457739830017},{"text":"Yeah.","start":464.555,"end":465.055,"sentiment":"neutral","sentiment_score":-0.18134146928787231},{"text":"Okay.","start":466.635,"end":467.135,"sentiment":"neutral","sentiment_score":-0.030692806467413902},{"text":"That's alright.","start":468.22998,"end":468.63,"sentiment":"neutral","sentiment_score":0.1559051051735878}],"sentiment":"neutral","sentiment_score":-0.011898730881512165,"num_words":6,"start":463.355,"end":468.63},{"sentences":[{"text":"Well, I guess yeah.","start":468.63,"end":470.57,"sentiment":"neutral","sentiment_score":0.1299814097583294},{"text":"I'm happy with that.","start":470.63,"end":471.59,"sentiment":"positive","sentiment_score":0.6797121912240982},{"text":"I think that in the long term, it should be a very good investment.","start":471.59,"end":474.72998,"sentiment":"positive","sentiment_score":0.6959619649818966},{"text":"Yeah.","start":477.35,"end":477.66998,"sentiment":"positive","sentiment_score":0.4440983235836029},{"text":"And I'm happy to consider other things that are quite similar in those kind of future emerging markets.","start":477.66998,"end":486.575,"sentiment":"positive","sentiment_score":0.5563400619559817}],"sentiment":"positive","sentiment_score":0.571718569572379,"num_words":41,"start":468.63,"end":486.575},{"sentences":[{"text":"And what was the other question I had?","start":489.195,"end":491.615,"sentiment":"neutral","sentiment_score":0.03572874644305557},{"text":"Yeah.","start":492.075,"end":492.355,"sentiment":"neutral","sentiment_score":0.023525796830654144},{"text":"I think just I think I'd like to move all of this all of everything out of the nifty 50 as well.","start":492.355,"end":500.0,"sentiment":"neutral","sentiment_score":0.09014062905176119},{"text":"I previously had concerns with the Chinese market and the political interference that was happening in in China, But I'm happy to if that's still coming up as one of the best options, yeah, happy to go with it because it it doesn't seem to be much of a problem, I don't think.","start":501.5,"end":524.27,"sentiment":"neutral","sentiment_score":0.19542991883068714},{"text":"Yeah.","start":526.49,"end":526.73,"sentiment":"neutral","sentiment_score":0.09825892001390456}],"sentiment":"neutral","sentiment_score":0.14998228500651964,"num_words":85,"start":489.195,"end":526.73},{"sentences":[{"text":"But also happy to explore all options, and I'd prefer to take your or Veronica's advice on, yeah, on both of those two.","start":526.73,"end":536.83,"sentiment":"neutral","sentiment_score":0.15626157496286475},{"text":"So just to add one just with the Australian shares, there was a was there another Australian index that I had money invested in?","start":537.065,"end":548.445,"sentiment":"neutral","sentiment_score":0.021131125123550493},{"text":"Oh, okay.","start":551.545,"end":552.27,"sentiment":"neutral","sentiment_score":0.013881782069802284},{"text":"Okay.","start":565.55005,"end":566.05005,"sentiment":"neutral","sentiment_score":0.03230755776166916},{"text":"Yeah.","start":566.085,"end":566.325,"sentiment":"neutral","sentiment_score":0.03748316690325737}],"sentiment":"neutral","sentiment_score":0.08232779442971828,"num_words":51,"start":526.73,"end":566.325},{"sentences":[{"text":"Yeah.","start":566.325,"end":566.48505,"sentiment":"neutral","sentiment_score":0.05182546749711037},{"text":"I'm happy to reduce it.","start":566.48505,"end":568.16504,"sentiment":"neutral","sentiment_score":0.12526107132434844},{"text":"It'd be in fact, I I would like to if we're if we're allowed to.","start":568.16504,"end":572.905,"sentiment":"neutral","sentiment_score":0.08209775586922964},{"text":"I'm not sure where I got that idea about a minimum investment in Australian stuff, but I might have made that up in my head.","start":572.965,"end":582.06,"sentiment":"neutral","sentiment_score":-0.0327748966217041},{"text":"Yeah.","start":585.66,"end":586.14,"sentiment":"neutral","sentiment_score":0.05591729283332825}],"sentiment":"neutral","sentiment_score":0.024386000839319636,"num_words":47,"start":566.325,"end":586.14},{"sentences":[{"text":"K.","start":586.14,"end":586.64,"sentiment":"neutral","sentiment_score":0.05661165341734886},{"text":"Yeah.","start":600.285,"end":600.785,"sentiment":"neutral","sentiment_score":0.011426972225308418},{"text":"What do you mean by passive?","start":606.685,"end":608.22,"sentiment":"neutral","sentiment_score":-0.017502535444994766},{"text":"I don't I'm not sure I quite as in a yeah.","start":608.22,"end":612.88,"sentiment":"neutral","sentiment_score":-0.030871179801496593},{"text":"Yep.","start":613.1,"end":613.6,"sentiment":"neutral","sentiment_score":0.1157042607665062}],"sentiment":"neutral","sentiment_score":-0.013042765203863382,"num_words":20,"start":586.14,"end":613.6},{"sentences":[{"text":"I don't mind either.","start":631.03503,"end":632.555,"sentiment":"neutral","sentiment_score":0.09968295320868492},{"text":"I think as long as we've got a strong index, that's okay.","start":632.555,"end":636.26,"sentiment":"neutral","sentiment_score":0.27553946524858475},{"text":"But I think so far what I'm seeing is the portfolio, the the I mean, the reason I kinda wanna go with you guys is before the active manage active style of management compared to what I was with host plus, which was very passive.","start":636.48004,"end":656.715,"sentiment":"neutral","sentiment_score":0.007741375101937188},{"text":"And yeah.","start":659.495,"end":660.555,"sentiment":"neutral","sentiment_score":0.08282164856791496},{"text":"So yeah.","start":662.935,"end":663.835,"sentiment":"neutral","sentiment_score":0.29914823174476624}],"sentiment":"neutral","sentiment_score":0.0741154928620045,"num_words":65,"start":631.03503,"end":663.835},{"sentences":[{"text":"Yeah.","start":667.47,"end":667.95,"sentiment":"neutral","sentiment_score":0.1742722988128662},{"text":"I I I to be honest, I prefer active.","start":667.95,"end":670.29,"sentiment":"neutral","sentiment_score":0.19608449770344627},{"text":"Yeah.","start":670.75,"end":670.91003,"sentiment":"neutral","sentiment_score":0.1652226746082306},{"text":"I prefer the active.","start":670.91003,"end":672.11,"sentiment":"neutral","sentiment_score":0.29850976914167404},{"text":"Yep.","start":672.11,"end":672.61,"sentiment":"neutral","sentiment_score":0.1777845025062561}],"sentiment":"neutral","sentiment_score":0.2172549394890666,"num_words":16,"start":667.47,"end":672.61},{"sentences":[{"text":"Sorry.","start":690.06995,"end":690.31,"sentiment":"neutral","sentiment_score":-0.035169243812561035},{"text":"What what's the SMA?","start":690.31,"end":691.52997,"sentiment":"neutral","sentiment_score":-0.03482207003980875},{"text":"That sounds familiar, but I can't remember what it refers to.","start":691.99,"end":694.97,"sentiment":"neutral","sentiment_score":-0.034443280066956176},{"text":"In.","start":702.94995,"end":703.275,"sentiment":"neutral","sentiment_score":0.03775526583194733},{"text":"Okay.","start":714.075,"end":714.575,"sentiment":"neutral","sentiment_score":0.04494440928101539}],"sentiment":"neutral","sentiment_score":-0.026146329421963956,"num_words":18,"start":690.06995,"end":714.575},{"sentences":[{"text":"Happy for it to be bundled up to the, you know, active manage with if if it's particularly like so if it's being reviewed by the yeah.","start":736.985,"end":751.14,"sentiment":"positive","sentiment_score":0.47044361962212455},{"text":"That that sounds that sounds good.","start":751.14,"end":753.32,"sentiment":"positive","sentiment_score":0.6267889340718588},{"text":"Yeah.","start":776.51,"end":776.83,"sentiment":"neutral","sentiment_score":-0.02982875518500805},{"text":"I'm I'm not currently employed.","start":776.83,"end":778.52997,"sentiment":"neutral","sentiment_score":-0.13545185923576356},{"text":"So no changes here.","start":781.075,"end":784.455,"sentiment":"neutral","sentiment_score":-0.07170525472611189}],"sentiment":"positive","sentiment_score":0.3597395875339591,"num_words":43,"start":736.985,"end":784.455},{"sentences":[{"text":"Hopefully, I'll have some income coming in the next month or two, But I'll let you know.","start":785.475,"end":794.94,"sentiment":"neutral","sentiment_score":0.034975069794146454},{"text":"There there is one thing that might need our attention.","start":795.96,"end":800.94,"sentiment":"neutral","sentiment_score":-0.09463511481881141},{"text":"I got got an email from Voice Plus.","start":802.44,"end":805.495,"sentiment":"neutral","sentiment_score":-0.04207535297609866},{"text":"What does it say?","start":806.675,"end":807.655,"sentiment":"neutral","sentiment_score":-0.04204222001135349},{"text":"What?","start":811.315,"end":811.815,"sentiment":"neutral","sentiment_score":-0.0822303369641304}],"sentiment":"neutral","sentiment_score":-0.02346942506264895,"num_words":40,"start":785.475,"end":811.815},{"sentences":[{"text":"Says cessation of third party authority details on my account.","start":812.435,"end":817.97504,"sentiment":"neutral","sentiment_score":-0.09245557934045792},{"text":"So sounds like my authorization for you guys might have run out of date or something.","start":819.395,"end":825.96,"sentiment":"neutral","sentiment_score":-0.13624991197139025},{"text":"Yeah.","start":829.06006,"end":829.54004,"sentiment":"neutral","sentiment_score":-0.01567530259490013},{"text":"So is there a form that I'll need to or or will need to fill out?","start":829.54004,"end":839.64496,"sentiment":"neutral","sentiment_score":-0.019132908550091088},{"text":"Do you know?","start":839.64496,"end":840.20496,"sentiment":"neutral","sentiment_score":-0.03785908470551173}],"sentiment":"neutral","sentiment_score":-0.07695507561868947,"num_words":46,"start":812.435,"end":840.20496},{"sentences":[{"text":"Or is there someone else maybe that could help me work through that?","start":840.20496,"end":844.305,"sentiment":"neutral","sentiment_score":-0.0269057100208906},{"text":"Yeah.","start":849.08496,"end":849.58496,"sentiment":"neutral","sentiment_score":-0.01319991797208786},{"text":"No.","start":852.81,"end":853.31,"sentiment":"neutral","sentiment_score":-0.17620821297168732},{"text":"No.","start":853.45,"end":853.95,"sentiment":"neutral","sentiment_score":-0.20906266570091248},{"text":"Yes.","start":859.13,"end":859.63,"sentiment":"neutral","sentiment_score":-0.1102566421031952}],"sentiment":"neutral","sentiment_score":-0.05050009817761533,"num_words":17,"start":840.20496,"end":859.63},{"sentences":[{"text":"Mhmm.","start":868.18506,"end":868.68506,"sentiment":"neutral","sentiment_score":0.005570400506258011},{"text":"Okay.","start":903.48004,"end":903.96,"sentiment":"neutral","sentiment_score":0.2049371302127838},{"text":"Great.","start":903.96,"end":904.46,"sentiment":"positive","sentiment_score":0.4409726560115814},{"text":"Yeah.","start":906.04004,"end":906.36,"sentiment":"positive","sentiment_score":0.3831433951854706},{"text":"That'd be wonderful.","start":906.36,"end":907.24,"sentiment":"positive","sentiment_score":0.7006435592969259}],"sentiment":"positive","sentiment_score":0.4480791799724102,"num_words":7,"start":868.18506,"end":907.24},{"sentences":[{"text":"Thank you.","start":907.24,"end":907.98004,"sentiment":"positive","sentiment_score":0.7581392228603363},{"text":"Yeah.","start":924.435,"end":924.755,"sentiment":"neutral","sentiment_score":0.014453070238232613},{"text":"Call me anytime, and just I'll make sure you if I miss the call, I'll I'll give you a callback.","start":924.755,"end":931.27997,"sentiment":"neutral","sentiment_score":-0.0029267155798152087},{"text":"Well, I'll keep her on for a callback.","start":932.45996,"end":934.16,"sentiment":"neutral","sentiment_score":0.030105518642812967},{"text":"Yeah.","start":947.185,"end":947.685,"sentiment":"neutral","sentiment_score":0.04789775609970093}],"sentiment":"neutral","sentiment_score":0.05502934717515018,"num_words":32,"start":907.24,"end":947.685},{"sentences":[{"text":"Yep.","start":951.585,"end":952.085,"sentiment":"neutral","sentiment_score":0.040679968893527985},{"text":"No.","start":957.025,"end":957.265,"sentiment":"neutral","sentiment_score":-0.05822332203388214},{"text":"That's all.","start":957.265,"end":957.90497,"sentiment":"neutral","sentiment_score":-0.02732111979275942},{"text":"Yep.","start":957.90497,"end":958.38,"sentiment":"neutral","sentiment_score":0.2213612049818039},{"text":"Alright.","start":976.395,"end":976.79504,"sentiment":"positive","sentiment_score":0.4105250537395478}],"sentiment":"neutral","sentiment_score":0.09328344433257978,"num_words":6,"start":951.585,"end":976.79504},{"sentences":[{"text":"Thank you.","start":976.79504,"end":977.53503,"sentiment":"positive","sentiment_score":0.7676690816879272},{"text":"No.","start":980.395,"end":980.79504,"sentiment":"neutral","sentiment_score":-0.11525262892246246},{"text":"No.","start":980.79504,"end":981.03503,"sentiment":"neutral","sentiment_score":-0.11433213204145432},{"text":"That's all.","start":981.03503,"end":981.6149,"sentiment":"neutral","sentiment_score":0.08763262769207358},{"text":"Okay.","start":987.5349,"end":988.0349,"sentiment":"neutral","sentiment_score":0.291727751493454}],"sentiment":"neutral","sentiment_score":0.2532494870413627,"num_words":7,"start":976.79504,"end":988.0349},{"sentences":[{"text":"See","start":988.0949,"end":988.5949,"sentiment":"positive","sentiment_score":0.3385566174983978}],"sentiment":"positive","sentiment_score":0.3385566174983978,"num_words":1,"start":988.0949,"end":988.5949}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Megan speaking.\n\nChannel 0: Good afternoon, Megan. It's Tommy here, senior adviser from Oakview Financial. How are you doing?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm doing fantastic. Thank you for asking. I was just giving you a call to talk through the portfolio questions that you had because Veronica's gone home sick today. So I thought\n\nChannel 1: Okay.\n\nChannel 0: I wanted\n\nChannel 1: No\n\nChannel 0: to\n\nChannel 1: worries.\n\nChannel 0: jump on and\n\nChannel 1: Yeah.\n\nChannel 0: have a chat to you if that's okay.\n\nChannel 1: Sure.\n\nChannel 0: Perfect. Now before I do that, just wanna check if you're okay for the calls to be recorded as usual.\n\nChannel 1: That's fine.\n\nChannel 0: Awesome. And just for security purposes, so I'm registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yeah. Date of birth and address, '20\n\nChannel 0: Yes,\n\nChannel 1: ninth of\n\nChannel 0: please.\n\nChannel 1: the 09/1983, and address\n\nChannel 0: Perfect.\n\nChannel 1: is 14 Filing Grove, Sunbury, Victoria. Did you need the postcode?\n\nChannel 0: No. That's perfect. Thank you so much for that, Megan. Appreciate that. Awesome.\n\nNow what I'm just going through, I've been going through your file just before the call, having a look at your superannuation account. I know that you do a bit of investing yourself, so I just wanted to start with your own thoughts and ideas and and what you may wanna get out of this call.\n\nChannel 1: Yeah. There was one main thing I wanted to check on. Well, so\n\nChannel 0: Yeah.\n\nChannel 1: first, sorry. I'll take take a step back. Yeah. Just getting general overview on how it's going. I haven't had a close I haven't had a look at it for a while.\n\nChannel 0: Yeah.\n\nChannel 1: And the second thing is is more specific is part of my investment is in the Nifty fifty, the Indian market. I\n\nChannel 0: Yes.\n\nChannel 1: want to see if like, last year, it didn't do well, so we can consider moving around. So have a look at that.\n\nChannel 0: Okay. Absolutely. The nifty 50. Yeah. I did see there was, like, a little bit little bit of a custom portfolio.\n\nYou've got mainly ninety percent one of our model portfolios and the Nifty 50 added in as well. So it's pretty close to one of our main sort of\n\nChannel 1: Yeah.\n\nChannel 0: more high growth portfolios. That's for sure. You pretty much have very little in the way of, like, defensive assets. So from what I can see, you're in a pretty aggressive portfolio, which I'm assuming you're pretty comfortable with going for those high returns long term.\n\nChannel 1: Yeah. Yeah. I was, but this year probably wasn't the best of year. But yeah. No.\n\nI I definitely am speaking with the aggressive approach.\n\nChannel 0: Yep. Perfect. So one of the things that I can say, I'll run you through just a bit of an update with what's going on with the investments and then a couple of ideas that we could consider and run them by you, if that's okay.\n\nChannel 1: Sure.\n\nChannel 0: Beautiful. So having a look at all the options, you're still up positive for the year about 5%. Obviously, market's taking a bit of a dive at the moment. So if I look\n\nChannel 1: Yeah.\n\nChannel 0: at kind of when you've had that original conversation last time with Veronica mid last year, you kind of had this surge from all the way up to 290,000 was your peak, and it's dropped back down\n\nChannel 1: Yep.\n\nChannel 0: to two sixty since then. Again, yeah,\n\nChannel 1: Yep.\n\nChannel 0: still up 5% for the year, but that's kind of the the drop\n\nChannel 1: Okay.\n\nChannel 0: that's been happening, mainly in three options. So the nifty fifties had one of the bigger drops, so that one's\n\nChannel 1: Okay.\n\nChannel 0: obviously a concern. 19%, that one's going down the last twelve months, pretty\n\nChannel 1: Oh,\n\nChannel 0: solid.\n\nChannel 1: well.\n\nChannel 0: And your Benelong Australian equities have also gone down 19%, which is\n\nChannel 1: Yes.\n\nChannel 0: a little bit of a red flag for me. When I go through compare I guess, Australian options compared to the Australian market, the market still hasn't been doing too bad the last twelve months, and there's a lot of options there that have done pretty well the last twelve months as well. So\n\nChannel 1: When when we say options, is it just is it the specific financial instrument that we invested in as in options, or is it just\n\nChannel 0: Rather than options trading.\n\nChannel 1: the general meaning of options? Is that what you mean? The\n\nChannel 0: Yeah. So what\n\nChannel 1: the panel\n\nChannel 0: I mean\n\nChannel 1: on?\n\nChannel 0: is, like, let's say you've got nine investment options in your\n\nChannel 1: Yeah.\n\nChannel 0: portfolio. One of them's in\n\nChannel 1: Okay.\n\nChannel 0: property. One of them's in Australian\n\nChannel 1: Yeah.\n\nChannel 0: shares. One of them's in US shares. Your Australian shares portions kind of underperformed a little bit\n\nChannel 1: Yeah.\n\nChannel 0: alongside that nifty 50.\n\nChannel 1: Can I ask a question about the Australian shares?\n\nChannel 0: Yeah.\n\nChannel 1: It's my understanding sorry. This is a quick do I have to invest in Australian shares?\n\nChannel 0: Great question. Great\n\nChannel 1: I\n\nChannel 0: question.\n\nChannel 1: I I thought there was a minimum requirement or something for some reason, but maybe it was just that more supposed to be a bit more defensive, I think, is the way I saw it anyway.\n\nChannel 0: Yeah. So when we do, we use a few I'll try not to use too many kind of, like, jargon, but we use a strategic asset allocation where we go, okay. For your risk level, you wanna have a proportion in different assets, property, shares,\n\nChannel 1: Yeah.\n\nChannel 0: gold, all that kind of thing. We do recommend a portion in the Australian side just because of the high dividends and everything for the diversification.\n\nChannel 1: Okay.\n\nChannel 0: So it's not a a full requirement, but it's definitely recommended to have a little bit in there. But we do tend to go pretty heavy in the international side.\n\nChannel 1: Yeah. I I prefer to yeah. I'm I'm not a fan of the Australian shares unless they're a good defensive asset, but if Benelon\n\nChannel 0: Yeah.\n\nChannel 1: is not actually doing that at all, I'd like to relook at that.\n\nChannel 0: Absolutely. So one thing\n\nChannel 1: Yeah.\n\nChannel 0: I can do is I've got a a dedicated adviser for you. Veronica is gonna be looking after you for\n\nChannel 1: Yeah.\n\nChannel 0: the year.\n\nChannel 1: Sure. Yep.\n\nChannel 0: And what\n\nChannel 1: Yep.\n\nChannel 0: I've been already talking to her about is reducing the allocation to the Australian equities and just dropping\n\nChannel 1: Yeah.\n\nChannel 0: that down a little bit, but also just replacing it with something that's actually getting the returns that the rest of the peer group are doing. So it is\n\nChannel 1: Yep.\n\nChannel 0: a bit more defensive, but still getting those double digit returns.\n\nChannel 1: Yeah. That sounds good. Yep. I\n\nChannel 0: Okay.\n\nChannel 1: think that's right. Because it's not fitting the purpose. I think we've got enough, higher yield assets and investments. And, yeah, it probably needs something a bit more defensive.\n\nChannel 0: Yeah. And you've\n\nChannel 1: Yes,\n\nChannel 0: still got,\n\nChannel 1: sir.\n\nChannel 0: like, your your battery tech and lithium up 77%. Your gold's up 21%. That's all doing good. S and P five\n\nChannel 1: Okay.\n\nChannel 0: hundred's in there. One of the things that we're looking at too is your S and P 500 for the American shares is is unhedged at the moment, and that's causing some currency issues the last twelve months. So we are looking at potentially a little bit of currency hedging as well, but\n\nChannel 1: Okay.\n\nChannel 0: we're gonna pretty much review the full portfolio, to be perfectly honest, just to make\n\nChannel 1: Yeah.\n\nChannel 0: sure if there's two or three things to switch out.\n\nChannel 1: Could you tell me how the I think it's the cyber security stuff is\n\nChannel 0: Cybersecurity is down a little bit as well.\n\nChannel 1: going.\n\nChannel 0: So\n\nChannel 1: Oh,\n\nChannel 0: that's\n\nChannel 1: really?\n\nChannel 0: your\n\nChannel 1: Okay.\n\nChannel 0: yeah. Overall, like, hacker's a pretty good ETF, and it's been going pretty strong for many years, but it's just the the recent the recent sort of tech issues. They've kind of had\n\nChannel 1: Yeah.\n\nChannel 0: a bit of an issue from that. Like, you would expect cybersecurity to do pretty well with all the AI things going on, but it's\n\nChannel 1: Yeah.\n\nChannel 0: just had a\n\nChannel 1: Absolutely.\n\nChannel 0: bit of a sell\n\nChannel 1: Yeah.\n\nChannel 0: off, to be honest.\n\nChannel 1: Okay. That's alright.\n\nChannel 0: Nothing\n\nChannel 1: Well, I\n\nChannel 0: too\n\nChannel 1: guess\n\nChannel 0: alarming, though, but\n\nChannel 1: yeah.\n\nChannel 0: it is\n\nChannel 1: I'm\n\nChannel 0: it's it's\n\nChannel 1: happy\n\nChannel 0: taken\n\nChannel 1: with that.\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: bit\n\nChannel 1: think\n\nChannel 0: of a\n\nChannel 1: that\n\nChannel 0: hit.\n\nChannel 1: in the long term, it should be a very good investment. Yeah. And I'm happy to consider other things that are quite similar in those kind of future emerging markets.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: And what was the other question I had? Yeah. I think just I think I'd like to move all of this all of everything out of the nifty 50 as well.\n\nChannel 0: Yep. Okay.\n\nChannel 1: I previously had concerns with the Chinese market and the political interference that was happening in in China,\n\nChannel 0: Yeah.\n\nChannel 1: But I'm happy to if that's still coming up as one of the best options, yeah, happy to go with it because it it doesn't seem to be much of a problem, I don't think.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. But also happy to explore all options, and I'd prefer to take your or Veronica's advice\n\nChannel 0: Absolutely.\n\nChannel 1: on,\n\nChannel 0: So\n\nChannel 1: yeah, on both of those two. So\n\nChannel 0: one question\n\nChannel 1: just\n\nChannel 0: I've\n\nChannel 1: to\n\nChannel 0: got\n\nChannel 1: add\n\nChannel 0: for\n\nChannel 1: one\n\nChannel 0: you. Yeah. You go.\n\nChannel 1: just with the Australian shares,\n\nChannel 0: Yeah.\n\nChannel 1: there was a was there another Australian index that I had money invested in?\n\nChannel 0: That's the the sole one at the moment, which is probably\n\nChannel 1: Oh, okay.\n\nChannel 0: one of my main issues is that's one option. Yes. There's not a multiple option. So the exposure's low ish, but it's still close to 28%, which we're feeling is a little bit high in the Australian side.\n\nChannel 1: Okay. Yeah. Yeah. I'm happy to reduce it. It'd be in fact, I I would like to if we're if we're allowed to.\n\nI'm not sure where I got that idea about a minimum investment in Australian stuff, but I might have made that up in my head.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah. K.\n\nChannel 0: So let me ask you that when it comes to replacing some options, obviously, we do look at sectors and and market areas and countries and things like that, but also investment style is pretty important. Are you familiar\n\nChannel 1: Yeah.\n\nChannel 0: with the, like, active and passive and those types of styles of investment?\n\nChannel 1: What do you mean by passive? I don't I'm not sure I quite\n\nChannel 0: That's\n\nChannel 1: as in\n\nChannel 0: okay.\n\nChannel 1: a yeah. Yep.\n\nChannel 0: It's straight up another term for, like, index funds. So your passive is kind of like an index fund, low fee, follows that market very closely. The active fund is a manager that charges a little bit extra to try and pick and choose the stocks and try and outperform the market.\n\nChannel 1: I don't mind either. I think as long as we've got a strong index, that's okay. But I think so far what I'm seeing is the portfolio, the the I mean, the reason I kinda wanna go with you guys is before the active manage active style of management\n\nChannel 0: Yep.\n\nChannel 1: compared to what I was with host plus, which was very passive.\n\nChannel 0: Yeah.\n\nChannel 1: And yeah.\n\nChannel 0: Okay. So\n\nChannel 1: So\n\nChannel 0: you're comfortable\n\nChannel 1: yeah.\n\nChannel 0: to go either way even if it's maybe a blend of the blend of the two,\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: I\n\nChannel 0: a bit\n\nChannel 1: to be\n\nChannel 0: of\n\nChannel 1: honest,\n\nChannel 0: a core\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: prefer\n\nChannel 0: satellite\n\nChannel 1: active.\n\nChannel 0: approach.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I prefer the active. Yep.\n\nChannel 0: Okay. So we do have a few options there that I'll run through with Veronica as well. We've got a a new SMA, which addresses two or three of these issues that we've just talked about. We've got some updated options for a couple of those that we're looking to replace. So I might do\n\nChannel 1: Sorry. What what's the SMA? That sounds familiar, but I can't remember what it refers to.\n\nChannel 0: yeah. So your portfolio at the moment with the eight or nine options, call that like a model portfolio where you've got your eight or nine options, and you can sort\n\nChannel 1: In.\n\nChannel 0: of pick and choose and rebalance those. The SMA kind of puts a bubble around it and allows us to kind of switch in and out options a bit more frequently throughout the year depending\n\nChannel 1: Okay.\n\nChannel 0: on if the investment committee thinks we need to lean a different way. We don't have to go through that whole process of here's a statement of advice. We're recommending to change this option to that option. So it kinda depends on whether you wanna have a visibility under the hood a bit more or if you're happy for it to kind of be bubbled up a little bit and a little bit more actively managed.\n\nChannel 1: Happy for it to be bundled up to the, you know, active manage with if if it's particularly like so if it's being reviewed by the yeah. That that sounds that sounds good.\n\nChannel 0: Cool. Okay. So that pretty much gives me everything that I need, and I'll I'll have a bit of a chat to her, and I know she's already had a few ideas. There's probably two or three things that we're just gonna research and kind of put together into a bit of a plan for you. Can I just ask as well, have you had any kind of major changes at the start of this year in the last few months, whether it's employments, health, assets,\n\nChannel 1: Yeah.\n\nChannel 0: liabilities?\n\nChannel 1: I'm I'm not currently employed.\n\nChannel 0: Yep.\n\nChannel 1: So no changes here. Hopefully, I'll have some income coming in the next month or two,\n\nChannel 0: Yep.\n\nChannel 1: But I'll let you know. There there is one thing that might need our attention.\n\nChannel 0: Sure.\n\nChannel 1: I got got an email from Voice Plus. What does it say? What? Says cessation of third party authority details on my account.\n\nChannel 0: Yeah.\n\nChannel 1: So sounds like my authorization for you guys might have run out of date or something.\n\nChannel 0: Yeah. That sounds about right.\n\nChannel 1: Yeah. So is there a form that I'll need to or or will need to fill out? Do you know? Or is there someone else maybe that could help me work through that?\n\nChannel 0: Yeah. So we would need to refresh the third party authority.\n\nChannel 1: Yeah.\n\nChannel 0: There would be no change to, like, your member number or account number.\n\nChannel 1: No.\n\nChannel 0: Really\n\nChannel 1: No.\n\nChannel 0: just making sure that we've got some of them only last twelve months, unfortunately, and then they\n\nChannel 1: Yes.\n\nChannel 0: do lapse. Let me just have a quick look because we normally have to send certified ID along with it. And I'm just gonna\n\nChannel 1: Mhmm.\n\nChannel 0: double check the last time we had it in 2024. Let me just have a quick look. Driver's license there. Alright. Sorry.\n\nJust bear with me for one moment while it loads up. Yeah. You don't have an expiry until 2033. So what we'll basically do, if you're comfortable, is we'll send you through another third party authority for host plus, and then we will basically recertify the same ID and then send that through, and we should be able to get some updated research there as well.\n\nChannel 1: Okay. Great.\n\nChannel 0: Is that okay?\n\nChannel 1: Yeah. That'd be wonderful. Thank you.\n\nChannel 0: Perfect. What I'll do too, while we go through that bit of a portfolio review, it'll probably take, I would say, maybe two to three weeks just to get all of the plan together. If Veronica needs to have a bit of a a quick chat with you to run through couple of ideas, is that okay if she hooks in for\n\nChannel 1: Yeah.\n\nChannel 0: a bit\n\nChannel 1: Call\n\nChannel 0: of a\n\nChannel 1: me\n\nChannel 0: a\n\nChannel 1: anytime,\n\nChannel 0: quick catch up?\n\nChannel 1: and just I'll make sure you if I miss the call, I'll I'll give you a callback.\n\nChannel 0: Yep.\n\nChannel 1: Well,\n\nChannel 0: K.\n\nChannel 1: I'll keep her\n\nChannel 0: So\n\nChannel 1: on for a callback.\n\nChannel 0: I'm gonna put a couple notes on the account to review the portfolio. We're still okay with, like, an active management style. We wanna most likely get rid of the the nifty 50 option, review the Benelon\n\nChannel 1: Yeah.\n\nChannel 0: option as well, maybe reduce Aussie exposure.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound about right? Anything I've missed there?\n\nChannel 1: No. That's all. Yep.\n\nChannel 0: Amazing, Megan. I have everything that I need. And as soon as Veronica's back in office, I'll run through it with her, and then I'll get her to to give you a buzz if there's anything else that she needs. Other than that, we'll pretty much be doing some background research and and put together some updates for you.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Awesome. Anything else you need before I let you go?\n\nChannel 1: No. No. That's all.\n\nChannel 0: Awesome, Megan. You have a fantastic day, and we'll talk to you again soon.\n\nChannel 1: Okay. See\n\nChannel 0: Thank you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.022430019453167915},{"text":"Megan speaking.","start":2.1599998,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.04661906324326992}],"sentiment":"neutral","sentiment_score":0.03855604864656925,"channel":1,"num_words":3,"start":1.8399999,"end":3.1399999},{"sentences":[{"text":"Good afternoon, Megan.","start":4.08,"end":5.12,"sentiment":"positive","sentiment_score":0.38073089718818665},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":5.12,"end":7.68,"sentiment":"neutral","sentiment_score":0.2243184708058834},{"text":"How are you doing?","start":7.68,"end":8.5,"sentiment":"neutral","sentiment_score":0.23093264549970627}],"sentiment":"neutral","sentiment_score":0.2573647360006968,"channel":0,"num_words":15,"start":4.08,"end":8.5},{"sentences":[{"text":"I'm good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.4448424130678177},{"text":"How are you?","start":9.28,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.31553128361701965}],"sentiment":"positive","sentiment_score":0.36725573539733886,"channel":1,"num_words":5,"start":8.639999,"end":10.0199995},{"sentences":[{"text":"I'm doing fantastic.","start":10.16,"end":11.219999,"sentiment":"positive","sentiment_score":0.7376778324445089},{"text":"Thank you for asking.","start":11.44,"end":12.5,"sentiment":"positive","sentiment_score":0.7226340174674988},{"text":"I was just giving you a call to talk through the portfolio questions that you had because Veronica's gone home sick today.","start":12.755,"end":19.555,"sentiment":"neutral","sentiment_score":-0.006716394796967507},{"text":"So I thought","start":19.555,"end":20.115,"sentiment":"neutral","sentiment_score":-0.0016571072240670521}],"sentiment":"neutral","sentiment_score":0.1547136737499386,"channel":0,"num_words":32,"start":10.16,"end":20.115},{"sentences":[{"text":"Okay.","start":19.904999,"end":20.305,"sentiment":"neutral","sentiment_score":0.010744400322437286}],"sentiment":"neutral","sentiment_score":0.010744400322437286,"channel":1,"num_words":1,"start":19.904999,"end":20.305},{"sentences":[{"text":"I wanted","start":20.115,"end":20.435,"sentiment":"neutral","sentiment_score":0.004046986810863018}],"sentiment":"neutral","sentiment_score":0.004046986810863018,"channel":0,"num_words":2,"start":20.115,"end":20.435},{"sentences":[{"text":"No","start":20.305,"end":20.545,"sentiment":"neutral","sentiment_score":-0.00779406726360321}],"sentiment":"neutral","sentiment_score":-0.00779406726360321,"channel":1,"num_words":1,"start":20.305,"end":20.545},{"sentences":[{"text":"to","start":20.435,"end":20.675,"sentiment":"neutral","sentiment_score":-0.04514918848872185}],"sentiment":"neutral","sentiment_score":-0.04514918848872185,"channel":0,"num_words":1,"start":20.435,"end":20.675},{"sentences":[{"text":"worries.","start":20.545,"end":21.045,"sentiment":"neutral","sentiment_score":-0.005433529615402222}],"sentiment":"neutral","sentiment_score":-0.005433529615402222,"channel":1,"num_words":1,"start":20.545,"end":21.045},{"sentences":[{"text":"jump on and","start":20.675,"end":21.314999,"sentiment":"neutral","sentiment_score":0.01896489846209685}],"sentiment":"neutral","sentiment_score":0.01896489846209685,"channel":0,"num_words":3,"start":20.675,"end":21.314999},{"sentences":[{"text":"Yeah.","start":21.265,"end":21.765,"sentiment":"neutral","sentiment_score":0.054985012859106064}],"sentiment":"neutral","sentiment_score":0.054985012859106064,"channel":1,"num_words":1,"start":21.265,"end":21.765},{"sentences":[{"text":"have a chat to you if that's okay.","start":21.314999,"end":22.775,"sentiment":"neutral","sentiment_score":0.053034559823572636}],"sentiment":"neutral","sentiment_score":0.053034559823572636,"channel":0,"num_words":8,"start":21.314999,"end":22.775},{"sentences":[{"text":"Sure.","start":23.025,"end":23.525,"sentiment":"neutral","sentiment_score":0.15370255708694458}],"sentiment":"neutral","sentiment_score":0.15370255708694458,"channel":1,"num_words":1,"start":23.025,"end":23.525},{"sentences":[{"text":"Perfect.","start":24.115,"end":24.595001,"sentiment":"neutral","sentiment_score":0.2861039638519287},{"text":"Now before I do that, just wanna check if you're okay for the calls to be recorded as usual.","start":24.595001,"end":28.64,"sentiment":"neutral","sentiment_score":0.04581112061676226}],"sentiment":"neutral","sentiment_score":0.057825762778520584,"channel":0,"num_words":20,"start":24.115,"end":28.64},{"sentences":[{"text":"That's fine.","start":29.31,"end":30.050001,"sentiment":"neutral","sentiment_score":0.21297407150268555}],"sentiment":"neutral","sentiment_score":0.21297407150268555,"channel":1,"num_words":2,"start":29.31,"end":30.050001},{"sentences":[{"text":"Awesome.","start":30.38,"end":30.88,"sentiment":"positive","sentiment_score":0.3754172921180725},{"text":"And just for security purposes, so I'm registered with ASIC as Adviser 1273105.","start":31.02,"end":37.12,"sentiment":"neutral","sentiment_score":0.10463470793687381},{"text":"Are you okay to confirm your date of birth and address, please?","start":37.26,"end":40.4,"sentiment":"neutral","sentiment_score":0.03700394261007508}],"sentiment":"neutral","sentiment_score":0.08383522333147433,"channel":0,"num_words":26,"start":30.38,"end":40.4},{"sentences":[{"text":"Yeah.","start":42.085003,"end":42.585003,"sentiment":"neutral","sentiment_score":0.01229715161025524},{"text":"Date of birth and address, '20","start":44.165,"end":45.765,"sentiment":"neutral","sentiment_score":0.014098792026440302}],"sentiment":"neutral","sentiment_score":0.013841414824128151,"channel":1,"num_words":7,"start":42.085003,"end":45.765},{"sentences":[{"text":"Yes,","start":45.735,"end":46.135002,"sentiment":"neutral","sentiment_score":0.02401047572493553}],"sentiment":"neutral","sentiment_score":0.02401047572493553,"channel":0,"num_words":1,"start":45.735,"end":46.135002},{"sentences":[{"text":"ninth of","start":45.765,"end":46.325,"sentiment":"neutral","sentiment_score":0.02667319495230913}],"sentiment":"neutral","sentiment_score":0.02667319495230913,"channel":1,"num_words":2,"start":45.765,"end":46.325},{"sentences":[{"text":"please.","start":46.135002,"end":46.635002,"sentiment":"neutral","sentiment_score":0.02808454819023609}],"sentiment":"neutral","sentiment_score":0.02808454819023609,"channel":0,"num_words":1,"start":46.135002,"end":46.635002},{"sentences":[{"text":"the 09/1983, and address","start":46.325,"end":49.385002,"sentiment":"neutral","sentiment_score":0.020660263020545244}],"sentiment":"neutral","sentiment_score":0.020660263020545244,"channel":1,"num_words":4,"start":46.325,"end":49.385002},{"sentences":[{"text":"Perfect.","start":49.095,"end":49.595,"sentiment":"neutral","sentiment_score":0.04358460009098053}],"sentiment":"neutral","sentiment_score":0.04358460009098053,"channel":0,"num_words":1,"start":49.095,"end":49.595},{"sentences":[{"text":"is 14 Filing Grove, Sunbury, Victoria.","start":49.445,"end":54.265,"sentiment":"neutral","sentiment_score":0.024949300102889538},{"text":"Did you need the postcode?","start":55.47,"end":56.61,"sentiment":"neutral","sentiment_score":0.012479862757027149}],"sentiment":"neutral","sentiment_score":0.01928137403658845,"channel":1,"num_words":11,"start":49.445,"end":56.61},{"sentences":[{"text":"No.","start":57.030003,"end":57.27,"sentiment":"neutral","sentiment_score":0.0018186494708061216},{"text":"That's perfect.","start":57.27,"end":57.91,"sentiment":"neutral","sentiment_score":0.2084806114435196},{"text":"Thank you so much for that, Megan.","start":57.91,"end":59.190002,"sentiment":"positive","sentiment_score":0.6699915613446917},{"text":"Appreciate that.","start":59.190002,"end":60.09,"sentiment":"positive","sentiment_score":0.5838147103786469},{"text":"Awesome.","start":61.83,"end":62.230003,"sentiment":"positive","sentiment_score":0.4990749061107635}],"sentiment":"positive","sentiment_score":0.5211865483568265,"channel":0,"num_words":13,"start":57.030003,"end":62.230003},{"sentences":[{"text":"Now what I'm just going through, I've been going through your file just before the call, having a look at your superannuation account.","start":62.230003,"end":68.534996,"sentiment":"neutral","sentiment_score":0.08583783585092296},{"text":"I know that you do a bit of investing yourself, so I just wanted to start with your own thoughts and ideas and and what you may wanna get out of this 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a","start":924.795,"end":925.115,"sentiment":"neutral","sentiment_score":-0.006810090504586697}],"sentiment":"neutral","sentiment_score":-0.006810090504586697,"channel":0,"num_words":2,"start":924.795,"end":925.115},{"sentences":[{"text":"me","start":924.995,"end":925.15497,"sentiment":"neutral","sentiment_score":-0.002259712666273117}],"sentiment":"neutral","sentiment_score":-0.002259712666273117,"channel":1,"num_words":1,"start":924.995,"end":925.15497},{"sentences":[{"text":"a","start":925.115,"end":925.195,"sentiment":"neutral","sentiment_score":-0.0036630984395742416}],"sentiment":"neutral","sentiment_score":-0.0036630984395742416,"channel":0,"num_words":1,"start":925.115,"end":925.195},{"sentences":[{"text":"anytime,","start":925.15497,"end":925.65497,"sentiment":"neutral","sentiment_score":0.014440493658185003}],"sentiment":"neutral","sentiment_score":0.014440493658185003,"channel":1,"num_words":1,"start":925.15497,"end":925.65497},{"sentences":[{"text":"quick catch up?","start":925.195,"end":926.175,"sentiment":"neutral","sentiment_score":0.005907095968723297}],"sentiment":"neutral","sentiment_score":0.005907095968723297,"channel":0,"num_words":3,"start":925.195,"end":926.175},{"sentences":[{"text":"and just I'll make sure you if I miss the call, I'll I'll give you a callback.","start":926.755,"end":931.27997,"sentiment":"neutral","sentiment_score":-0.003838662742911016}],"sentiment":"neutral","sentiment_score":-0.003838662742911016,"channel":1,"num_words":17,"start":926.755,"end":931.27997},{"sentences":[{"text":"Yep.","start":931.915,"end":932.415,"sentiment":"neutral","sentiment_score":0.023575492203235623}],"sentiment":"neutral","sentiment_score":0.023575492203235623,"channel":0,"num_words":1,"start":931.915,"end":932.415},{"sentences":[{"text":"Well,","start":932.45996,"end":932.77997,"sentiment":"neutral","sentiment_score":0.017613161355257034}],"sentiment":"neutral","sentiment_score":0.017613161355257034,"channel":1,"num_words":1,"start":932.45996,"end":932.77997},{"sentences":[{"text":"K.","start":932.71497,"end":933.115,"sentiment":"neutral","sentiment_score":0.020583294332027435}],"sentiment":"neutral","sentiment_score":0.020583294332027435,"channel":0,"num_words":1,"start":932.71497,"end":933.115},{"sentences":[{"text":"I'll keep her","start":932.77997,"end":933.26,"sentiment":"neutral","sentiment_score":0.03123706455032031}],"sentiment":"neutral","sentiment_score":0.03123706455032031,"channel":1,"num_words":3,"start":932.77997,"end":933.26},{"sentences":[{"text":"So","start":933.115,"end":933.615,"sentiment":"neutral","sentiment_score":0.026606272906064987}],"sentiment":"neutral","sentiment_score":0.026606272906064987,"channel":0,"num_words":1,"start":933.115,"end":933.615},{"sentences":[{"text":"on for a callback.","start":933.26,"end":934.16,"sentiment":"neutral","sentiment_score":0.032379948534071445}],"sentiment":"neutral","sentiment_score":0.032379948534071445,"channel":1,"num_words":4,"start":933.26,"end":934.16},{"sentences":[{"text":"I'm gonna put a couple notes on the account to review the portfolio.","start":934.64996,"end":937.55,"sentiment":"neutral","sentiment_score":0.047384944959328726},{"text":"We're still okay with, like, an active management style.","start":937.85,"end":940.83,"sentiment":"neutral","sentiment_score":0.01785721371157302},{"text":"We wanna most likely get rid of the the nifty 50 option, review the Benelon","start":942.08997,"end":947.345,"sentiment":"neutral","sentiment_score":0.016828188921014467}],"sentiment":"neutral","sentiment_score":0.027814649775422907,"channel":0,"num_words":37,"start":934.64996,"end":947.345},{"sentences":[{"text":"Yeah.","start":947.185,"end":947.685,"sentiment":"neutral","sentiment_score":0.04789775609970093}],"sentiment":"neutral","sentiment_score":0.04789775609970093,"channel":1,"num_words":1,"start":947.185,"end":947.685},{"sentences":[{"text":"option as well, maybe reduce Aussie exposure.","start":947.40497,"end":950.545,"sentiment":"neutral","sentiment_score":0.03609810982431684}],"sentiment":"neutral","sentiment_score":0.03609810982431684,"channel":0,"num_words":7,"start":947.40497,"end":950.545},{"sentences":[{"text":"Yep.","start":951.585,"end":952.085,"sentiment":"neutral","sentiment_score":0.040679968893527985}],"sentiment":"neutral","sentiment_score":0.040679968893527985,"channel":1,"num_words":1,"start":951.585,"end":952.085},{"sentences":[{"text":"Does that sound about right?","start":953.725,"end":954.845,"sentiment":"neutral","sentiment_score":0.032791218534111974},{"text":"Anything I've missed there?","start":954.845,"end":956.065,"sentiment":"neutral","sentiment_score":-0.01281619188375771}],"sentiment":"neutral","sentiment_score":0.012521258348392116,"channel":0,"num_words":9,"start":953.725,"end":956.065},{"sentences":[{"text":"No.","start":957.025,"end":957.265,"sentiment":"neutral","sentiment_score":-0.05822332203388214},{"text":"That's all.","start":957.265,"end":957.90497,"sentiment":"neutral","sentiment_score":-0.02732111979275942},{"text":"Yep.","start":957.90497,"end":958.38,"sentiment":"neutral","sentiment_score":0.2213612049818039}],"sentiment":"neutral","sentiment_score":0.02712391084060073,"channel":1,"num_words":4,"start":957.025,"end":958.38},{"sentences":[{"text":"Amazing, Megan.","start":959.82,"end":960.72003,"sentiment":"positive","sentiment_score":0.6398861408233643},{"text":"I have everything that I need.","start":960.86,"end":962.38,"sentiment":"positive","sentiment_score":0.6462341447671255},{"text":"And as soon as Veronica's back in office, I'll run through it with her, and then I'll get her to to give you a buzz if there's anything else that she needs.","start":962.38,"end":970.14,"sentiment":"neutral","sentiment_score":0.27622046787291765},{"text":"Other than that, we'll pretty much be doing some background research and and put together some updates for you.","start":970.14,"end":975.795,"sentiment":"neutral","sentiment_score":0.2280554436147213}],"sentiment":"neutral","sentiment_score":0.31066585679428055,"channel":0,"num_words":59,"start":959.82,"end":975.795},{"sentences":[{"text":"Alright.","start":976.395,"end":976.79504,"sentiment":"positive","sentiment_score":0.4105250537395478},{"text":"Thank you.","start":976.79504,"end":977.53503,"sentiment":"positive","sentiment_score":0.7676690816879272}],"sentiment":"positive","sentiment_score":0.6486210723718008,"channel":1,"num_words":3,"start":976.395,"end":977.53503},{"sentences":[{"text":"Awesome.","start":977.855,"end":978.175,"sentiment":"positive","sentiment_score":0.786404550075531},{"text":"Anything else you need before I let you go?","start":978.175,"end":979.81494,"sentiment":"positive","sentiment_score":0.34698062472873265}],"sentiment":"positive","sentiment_score":0.3909230172634125,"channel":0,"num_words":10,"start":977.855,"end":979.81494},{"sentences":[{"text":"No.","start":980.395,"end":980.79504,"sentiment":"neutral","sentiment_score":-0.11525262892246246},{"text":"No.","start":980.79504,"end":981.03503,"sentiment":"neutral","sentiment_score":-0.11433213204145432},{"text":"That's all.","start":981.03503,"end":981.6149,"sentiment":"neutral","sentiment_score":0.08763262769207358}],"sentiment":"neutral","sentiment_score":-0.013579876394942403,"channel":1,"num_words":4,"start":980.395,"end":981.6149},{"sentences":[{"text":"Awesome, Megan.","start":983.81494,"end":984.6149,"sentiment":"positive","sentiment_score":0.767884761095047},{"text":"You have a fantastic day, and we'll talk to you again soon.","start":984.6149,"end":987.1149,"sentiment":"positive","sentiment_score":0.7500001986821493}],"sentiment":"positive","sentiment_score":0.752555136169706,"channel":0,"num_words":14,"start":983.81494,"end":987.1149},{"sentences":[{"text":"Okay.","start":987.5349,"end":988.0349,"sentiment":"neutral","sentiment_score":0.291727751493454},{"text":"See","start":988.0949,"end":988.5949,"sentiment":"positive","sentiment_score":0.3385566174983978}],"sentiment":"neutral","sentiment_score":0.3151421844959259,"channel":1,"num_words":2,"start":987.5349,"end":988.5949},{"sentences":[{"text":"Thank you, mate.","start":988.93494,"end":989.65497,"sentiment":"positive","sentiment_score":0.6532905499140421},{"text":"Bye.","start":989.65497,"end":990.15497,"sentiment":"neutral","sentiment_score":-0.1144985929131508}],"sentiment":"positive","sentiment_score":0.4613432642072439,"channel":0,"num_words":4,"start":988.93494,"end":990.15497}]},"summary":{"result":"success","short":"During a call with a senior adviser from Oakview Financial, a customer named Megan discusses her investment in the Indian market and the importance of diversification in the Australian equities market. The adviser suggests using a strategic asset allocation to allocate risk levels and recommends a portion in the Australian side for diversification. They also discuss currency hedging and potential dips in the cyber security market. The conversation shifts to options for investing in emerging markets and the need for a third-party authorization form. The speaker provides updates on their investment strategy and plans to speak to Megan soon."},"intents":{"segments":[{"text":"I did see there was, like, a little bit little bit of a custom portfolio. You've got mainly ninety percent one of our model portfolios and the Nifty 50 added in as well.","start_word":318,"end_word":350,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.030766265}]},{"text":"When I go through compare I guess, Australian options compared to the Australian market, the market still hasn't been doing too bad the last twelve months, and there's a lot of options there that have done pretty well the last twelve months as well.","start_word":634,"end_word":677,"intents":[{"intent":"Express dissatisfaction with australian options","confidence_score":0.02861536}]},{"text":"Can I ask a question about the Australian shares? Yeah.","start_word":773,"end_word":782,"intents":[{"intent":"Inquire about australian shares","confidence_score":0.22039749}]},{"text":"This is a quick do I have to invest in Australian shares?","start_word":787,"end_word":798,"intents":[{"intent":"Discuss investment options","confidence_score":0.040222075}]},{"text":"This is a quick do I have to invest in Australian shares? Great question.","start_word":787,"end_word":800,"intents":[{"intent":"Question investment requirements","confidence_score":0.008437062}]},{"text":"We do recommend a portion in the Australian side just because of the high dividends and everything for the diversification. Okay.","start_word":892,"end_word":912,"intents":[{"intent":"Recommend australian options","confidence_score":0.01034266},{"intent":"Recommend australian shares","confidence_score":0.10725806}]},{"text":"I I prefer to yeah. I'm I'm not a fan of the Australian shares unless they're a good defensive asset, but if Benelon Yeah. is not actually doing that at all, I'd like to relook at that. Absolutely.","start_word":944,"end_word":981,"intents":[{"intent":"Express preference for australian shares","confidence_score":0.089793585}]},{"text":"I've been already talking to her about is reducing the allocation to the Australian equities and just dropping Yeah. that down a little bit, but also just replacing it with something that's actually getting the returns that the rest of the peer group are doing. So it is Yep. a bit more defensive, but still getting those double digit returns. Yeah.","start_word":1014,"end_word":1074,"intents":[{"intent":"Evaluate asset allocation and return","confidence_score":0.001135707}]},{"text":"I think as long as we've got a strong index, that's okay. But I think so far what I'm seeing is the portfolio, the the I mean, the reason I kinda wanna go with you guys is before the active manage active style of management Yep.","start_word":1763,"end_word":1808,"intents":[{"intent":"Analyze portfolio preferences","confidence_score":0.017602095}]},{"text":"We're recommending to change this option to that option.","start_word":2041,"end_word":2049,"intents":[{"intent":"Recommend change","confidence_score":0.05242087}]},{"text":"There's probably two or three things that we're just gonna research and kind of put together into a bit of a plan for you.","start_word":2154,"end_word":2177,"intents":[{"intent":"Explore plans","confidence_score":0.0008955225},{"intent":"Research changes","confidence_score":0.010509751}]},{"text":"So we would need to refresh the third party authority. Yeah.","start_word":2328,"end_word":2338,"intents":[{"intent":"Refresh third party authority","confidence_score":0.102358}]},{"text":"What I'll do too, while we go through that bit of a portfolio review, it'll probably take, I would say, maybe two to three weeks just to get all of the plan together.","start_word":2498,"end_word":2530,"intents":[{"intent":"Schedule portfolio review","confidence_score":0.04013587}]}]},"sentiments":{"segments":[{"text":"Hello? Megan speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0385560505092144},{"text":"Good afternoon, Megan.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.37861520051956177},{"text":"It's Tommy here, senior adviser from Oakview Financial. How are you doing?","start_word":6,"end_word":17,"sentiment":"neutral","sentiment_score":0.23548613488674164},{"text":"I'm good.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.44715675711631775},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.3250327408313751},{"text":"I'm doing fantastic. Thank you for asking.","start_word":23,"end_word":29,"sentiment":"positive","sentiment_score":0.7269280552864075},{"text":"I was just giving you a call to talk through the portfolio questions that you had because Veronica's gone home sick today. So I thought Okay. I wanted No to worries. jump on and Yeah. have a chat to you if that's okay. Sure. Perfect. Now before I do that, just wanna check if you're okay for the calls to be recorded as usual. That's fine.","start_word":30,"end_word":95,"sentiment":"neutral","sentiment_score":0.03506992757320404},{"text":"Awesome.","start_word":96,"end_word":96,"sentiment":"positive","sentiment_score":0.3754172921180725},{"text":"And just for security purposes, so I'm registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Yeah. Date of birth and address, '20 Yes, ninth of please. the 09/1983, and address Perfect. is 14 Filing Grove, Sunbury, Victoria. Did you need the postcode? No. That's perfect.","start_word":97,"end_word":151,"sentiment":"neutral","sentiment_score":0.05503262951970101},{"text":"Thank you so much for that, Megan. Appreciate that. Awesome.","start_word":152,"end_word":161,"sentiment":"positive","sentiment_score":0.6213391423225403},{"text":"Now what I'm just going through, I've been going through your file just before the call, having a look at your superannuation account. I know that you do a bit of investing yourself, so I just wanted to start with your own thoughts and ideas and and what you may wanna get out of this call. Yeah. There was one main thing I wanted to check on. Well, so Yeah. first, sorry. I'll take take a step back. Yeah. Just getting general overview on how it's going. I haven't had a close I haven't had a look at it for a while. Yeah. And the second thing is is more specific is part of my investment is in the Nifty fifty, the Indian market. I Yes. want to see if like, last year, it didn't do well, so we can consider moving around. So have a look at that. Okay. Absolutely. The nifty 50. Yeah. I did see there was, like, a little bit little bit of a custom portfolio. You've got mainly ninety percent one of our model portfolios and the Nifty 50 added in as well. So it's pretty close to one of our main sort of Yeah. more high growth portfolios. That's for sure. You pretty much have very little in the way of, like, defensive assets. So from what I can see, you're in a pretty aggressive portfolio, which I'm assuming you're pretty comfortable with going for those high returns long term. Yeah. Yeah. I was, but this year probably wasn't the best of year. But yeah. No. I I definitely am speaking with the aggressive approach. Yep.","start_word":162,"end_word":433,"sentiment":"neutral","sentiment_score":0.030316628594471907},{"text":"Perfect.","start_word":434,"end_word":434,"sentiment":"positive","sentiment_score":0.5503247380256653},{"text":"So one of the things that I can say, I'll run you through just a bit of an update with what's going on with the investments and then a couple of ideas that we could consider and run them by you, if that's okay.","start_word":435,"end_word":478,"sentiment":"neutral","sentiment_score":0.19716283679008484},{"text":"Sure. Beautiful. So having a look at all the options, you're still up positive for the year about 5%.","start_word":479,"end_word":497,"sentiment":"positive","sentiment_score":0.3786552548408508},{"text":"Obviously, market's taking a bit of a dive at the moment. So if I look Yeah. at kind of when you've had that original conversation last time with Veronica mid last year, you kind of had this surge from all the way up to 290,000 was your peak, and it's dropped back down Yep. to two sixty since then. Again, yeah, Yep. still up 5% for the year, but that's kind of the the drop Okay. that's been happening, mainly in three options. So the nifty fifties had one of the bigger drops, so that one's Okay. obviously a concern. 19%, that one's going down the last twelve months, pretty Oh, solid. well. And your Benelong Australian equities have also gone down 19%, which is Yes.","start_word":498,"end_word":623,"sentiment":"neutral","sentiment_score":-0.1525077521800995},{"text":"a little bit of a red flag for me.","start_word":624,"end_word":632,"sentiment":"negative","sentiment_score":-0.5166956186294556},{"text":"When I go through compare I guess, Australian options compared to the Australian market, the market still hasn't been doing too bad the last twelve months, and there's a lot of options there that have done pretty well the last twelve months as well. So When when we say options, is it just is it the specific financial instrument that we invested in as in options, or is it just Rather than options trading. the general meaning of options? Is that what you mean? The Yeah. So what the panel I mean on? is, like, let's say you've got nine investment options in your Yeah. portfolio. One of them's in Okay. property. One of them's in Australian Yeah. shares. One of them's in US shares. Your Australian shares portions kind of underperformed a little bit Yeah. alongside that nifty 50. Can I ask a question about the Australian shares? Yeah. It's my understanding sorry. This is a quick do I have to invest in Australian shares? Great question. Great I question. I I thought there was a minimum requirement or something for some reason, but maybe it was just that more supposed to be a bit more defensive, I think, is the way I saw it anyway. Yeah. So when we do, we use a few I'll try not to use too many kind of, like, jargon, but we use a strategic asset allocation where we go, okay. For your risk level, you wanna have a proportion in different assets, property, shares, Yeah. gold, all that kind of thing. We do recommend a portion in the Australian side just because of the high dividends and everything for the diversification. Okay. So it's not a a full requirement, but it's definitely recommended to have a little bit in there. But we do tend to go pretty heavy in the international side. Yeah. I I prefer to yeah. I'm I'm not a fan of the Australian shares unless they're a good defensive asset, but if Benelon Yeah.","start_word":633,"end_word":967,"sentiment":"neutral","sentiment_score":0.055288877338171005},{"text":"is not actually doing that at all, I'd like to relook at that.","start_word":968,"end_word":980,"sentiment":"negative","sentiment_score":-0.34105053544044495},{"text":"Absolutely. So one thing Yeah. I can do is I've got a a dedicated adviser for you. Veronica is gonna be looking after you for Yeah. the year. Sure. Yep. And what Yep. I've been already talking to her about is reducing the allocation to the Australian equities and just dropping Yeah. that down a little bit, but also just replacing it with something that's actually getting the returns that the rest of the peer group are doing. So it is Yep. a bit more defensive, but still getting those double digit returns. Yeah.","start_word":981,"end_word":1074,"sentiment":"neutral","sentiment_score":0.09383715489047004},{"text":"That sounds good.","start_word":1075,"end_word":1077,"sentiment":"positive","sentiment_score":0.4304035604000091},{"text":"Yep. I Okay. think that's right. Because it's not fitting the purpose. I think we've got enough, higher yield assets and investments. And, yeah, it probably needs something a bit more defensive. Yeah. And you've Yes, still got, sir. like, your your battery tech and lithium up 77%.","start_word":1078,"end_word":1125,"sentiment":"neutral","sentiment_score":0.005103273317217827},{"text":"Your gold's up 21%. That's all doing good.","start_word":1126,"end_word":1133,"sentiment":"positive","sentiment_score":0.4103645086288452},{"text":"S and P five Okay. hundred's in there. One of the things that we're looking at too is your S and P 500 for the American shares is is unhedged at the moment, and that's causing some currency issues the last twelve months. So we are looking at potentially a little bit of currency hedging as well, but Okay. we're gonna pretty much review the full portfolio, to be perfectly honest, just to make Yeah. sure if there's two or three things to switch out. Could you tell me how the I think it's the cyber security stuff is Cybersecurity is down a little bit as well. going. So Oh, that's really? your Okay. yeah. Overall, like, hacker's a pretty good ETF, and it's been going pretty strong for many years, but it's just the the recent the recent sort of tech issues. They've kind of had Yeah. a bit of an issue from that. Like, you would expect cybersecurity to do pretty well with all the AI things going on, but it's Yeah. just had a Absolutely. bit of a sell Yeah. off, to be honest. Okay. That's alright. Nothing Well, I too guess alarming, though, but yeah.","start_word":1134,"end_word":1332,"sentiment":"neutral","sentiment_score":-0.03926350019085947},{"text":"it is I'm it's it's happy taken with that. a I bit think of a that hit. in the long term, it should be a very good investment. Yeah. And I'm happy to consider other things that are quite similar in those kind of future emerging markets.","start_word":1333,"end_word":1379,"sentiment":"positive","sentiment_score":0.6045910120010376},{"text":"Yeah. Yep. And what was the other question I had? Yeah. I think just I think I'd like to move all of this all of everything out of the nifty 50 as well. Yep. Okay. I previously had concerns with the Chinese market and the political interference that was happening in in China, Yeah. But I'm happy to if that's still coming up as one of the best options, yeah, happy to go with it because it it doesn't seem to be much of a problem, I don't think. Okay. Yeah. But also happy to explore all options, and I'd prefer to take your or Veronica's advice Absolutely. on, So yeah, on both of those two. So one question just I've to got add for one you. Yeah. You go. just with the Australian shares, Yeah. there was a was there another Australian index that I had money invested in? That's the the sole one at the moment, which is probably Oh, okay. one of my main issues is that's one option. Yes. There's not a multiple option. So the exposure's low ish, but it's still close to 28%, which we're feeling is a little bit high in the Australian side. Okay. Yeah. Yeah. I'm happy to reduce it. It'd be in fact, I I would like to if we're if we're allowed to. I'm not sure where I got that idea about a minimum investment in Australian stuff, but I might have made that up in my head. No. That's okay. Yeah. K. So let me ask you that when it comes to replacing some options, obviously, we do look at sectors and and market areas and countries and things like that, but also investment style is pretty important. Are you familiar Yeah. with the, like, active and passive and those types of styles of investment? What do you mean by passive? I don't I'm not sure I quite That's as in okay. a yeah. Yep. It's straight up another term for, like, index funds. So your passive is kind of like an index fund, low fee, follows that market very closely. The active fund is a manager that charges a little bit extra to try and pick and choose the stocks and try and outperform the market. I don't mind either. I think as long as we've got a strong index, that's okay. But I think so far what I'm seeing is the portfolio, the the I mean, the reason I kinda wanna go with you guys is before the active manage active style of management Yep. compared to what I was with host plus, which was very passive. Yeah. And yeah. Okay. So So you're comfortable yeah. to go either way even if it's maybe a blend of the blend of the two, Yeah. we I can I do I a bit to be of honest, a core I and prefer satellite active. approach. Yeah. Yep. I prefer the active. Yep. Okay. So we do have a few options there that I'll run through with Veronica as well. We've got a a new SMA, which addresses two or three of these issues that we've just talked about. We've got some updated options for a couple of those that we're looking to replace. So I might do Sorry. What what's the SMA? That sounds familiar, but I can't remember what it refers to. yeah. So your portfolio at the moment with the eight or nine options, call that like a model portfolio where you've got your eight or nine options, and you can sort In. of pick and choose and rebalance those. The SMA kind of puts a bubble around it and allows us to kind of switch in and out options a bit more frequently throughout the year depending Okay. on if the investment committee thinks we need to lean a different way. We don't have to go through that whole process of here's a statement of advice. We're recommending to change this option to that option. So it kinda depends on whether you wanna have a visibility under the hood a bit more or if you're happy for it to kind of be bubbled up a little bit and a little bit more actively managed.","start_word":1380,"end_word":2088,"sentiment":"neutral","sentiment_score":0.0802901122247477},{"text":"Happy for it to be bundled up to the, you know, active manage with if if it's particularly like so if it's being reviewed by the yeah. That that sounds that sounds good. Cool. Okay. So that pretty much gives me everything that I need, and I'll I'll have a bit of a chat to her, and I know she's already had a few ideas.","start_word":2089,"end_word":2153,"sentiment":"positive","sentiment_score":0.4238117337226868},{"text":"There's probably two or three things that we're just gonna research and kind of put together into a bit of a plan for you. Can I just ask as well, have you had any kind of major changes at the start of this year in the last few months, whether it's employments, health, assets, Yeah. liabilities? I'm I'm not currently employed. Yep. So no changes here. Hopefully, I'll have some income coming in the next month or two, Yep. But I'll let you know. There there is one thing that might need our attention. Sure. I got got an email from Voice Plus. What does it say? What? Says cessation of third party authority details on my account. Yeah. So sounds like my authorization for you guys might have run out of date or something. Yeah. That sounds about right. Yeah. So is there a form that I'll need to or or will need to fill out? Do you know? Or is there someone else maybe that could help me work through that? Yeah. So we would need to refresh the third party authority. Yeah. There would be no change to, like, your member number or account number. No. Really No. just making sure that we've got some of them only last twelve months, unfortunately, and then they Yes. do lapse. Let me just have a quick look because we normally have to send certified ID along with it. And I'm just gonna Mhmm. double check the last time we had it in 2024. Let me just have a quick look. Driver's license there. Alright. Sorry. Just bear with me for one moment while it loads up. Yeah. You don't have an expiry until 2033. So what we'll basically do, if you're comfortable, is we'll send you through another third party authority for host plus, and then we will basically recertify the same ID and then send that through, and we should be able to get some updated research there as well. Okay.","start_word":2154,"end_word":2486,"sentiment":"neutral","sentiment_score":-0.008967088272532186},{"text":"Great.","start_word":2487,"end_word":2487,"sentiment":"positive","sentiment_score":0.4409726560115814},{"text":"Is that okay?","start_word":2488,"end_word":2490,"sentiment":"neutral","sentiment_score":0.3005446195602417},{"text":"Yeah. That'd be wonderful. Thank you. Perfect.","start_word":2491,"end_word":2497,"sentiment":"positive","sentiment_score":0.6440368890762329},{"text":"What I'll do too, while we go through that bit of a portfolio review, it'll probably take, I would say, maybe two to three weeks just to get all of the plan together. If Veronica needs to have a bit of a a quick chat with you to run through couple of ideas, is that okay if she hooks in for Yeah. a bit Call of a me a anytime, quick catch up? and just I'll make sure you if I miss the call, I'll I'll give you a callback. Yep. Well, K. I'll keep her So on for a callback. I'm gonna put a couple notes on the account to review the portfolio. We're still okay with, like, an active management style. We wanna most likely get rid of the the nifty 50 option, review the Benelon Yeah. option as well, maybe reduce Aussie exposure. Yep. Does that sound about right? Anything I've missed there? No. That's all. Yep.","start_word":2498,"end_word":2657,"sentiment":"neutral","sentiment_score":0.037529829889535904},{"text":"Amazing, Megan. I have everything that I need.","start_word":2658,"end_word":2665,"sentiment":"positive","sentiment_score":0.6369752287864685},{"text":"And as soon as Veronica's back in office, I'll run through it with her, and then I'll get her to to give you a buzz if there's anything else that she needs. Other than that, we'll pretty much be doing some background research and and put together some updates for you.","start_word":2666,"end_word":2716,"sentiment":"neutral","sentiment_score":0.25451261272617415},{"text":"Alright. Thank you. Awesome. Anything else you need before I let you go?","start_word":2717,"end_word":2729,"sentiment":"positive","sentiment_score":0.4701354801654816},{"text":"No. No. That's all.","start_word":2730,"end_word":2733,"sentiment":"neutral","sentiment_score":-0.010337786749005318},{"text":"Awesome, Megan. You have a fantastic day, and we'll talk to you again soon.","start_word":2734,"end_word":2747,"sentiment":"positive","sentiment_score":0.7452014684677124},{"text":"Okay.","start_word":2748,"end_word":2748,"sentiment":"neutral","sentiment_score":0.291727751493454},{"text":"See Thank you, mate. Bye.","start_word":2749,"end_word":2753,"sentiment":"positive","sentiment_score":0.5344120860099792}],"average":{"sentiment":"neutral","sentiment_score":0.07567162140836094}}}}