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And apologies. I am calling a couple of minutes late. My previous appointment was just running a little bit overtime. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or kind of at the end of it now? Yes. Okay. I can't imagine. But now I'll try not to keep you for too long, but, essentially, I can see here that you kind of contacted us after receiving the Benelong email with making the the change to your portfolio and wanted to talk about it in a little bit more detail. Is that right? Good timing. Yeah. Mhmm. Yep. Yes. Yep. Yes. Yeah. Yep. Yep. No. Definitely. And and very much so as well. It's like we overall, we have you invested in our high growth portfolio as well. Do you kind of remember, you know, what it means to be a high growth investor and how yeah. Okay. So, typically, obviously, in a high growth portfolio, the goal is to obviously maximize growth as much as you can over the long term. Short term, because you are investing more for growth assets, you can see more fluctuations, especially when, obviously, the share market and the world is a bit more turbulent, you can see more fluctuations. Now, typically, as well, what we see is that in a typical high growth portfolio, the likelihood of a negative return is about one in every five years. Again, it depends as well on what is going on in the world, and the last the last twelve months really has obviously seen a lot of fluctuations in in the the world and in the market. Obviously, everything going on in The US and Trump and tariffs, been a lot of fluctuations. And, obviously, more recently with everything in The Middle East and stuff, there are obviously fluctuations. So it is quite expected with what's going on in the market, and then we're also seeing a lot of cyclical trends in different areas. Obviously, AI technology are seeing a bit of change through certain investments and stuff like that as well. Overall, the way that your portfolio is constructed is using that core satellite approach to investments where you do have the majority of your investments in your core investments. Now for example, one are you quite across, like, your portfolio? Do you go into your network accounts pretty often? Yep. And are you quite no. Okay. So, like, for example, one one of your biggest shareholding is iShares S and P five hundred. Now I've just pulled a report for showing the portfolio for the last twelve months, which I'm happy to email that to you if you would like. It just show you the different investments. It kind of breaks it down in a twelve month period after fees. So it is kind of good to see as well. Now, typically, we do look more long term, obviously, with your superannuation because it is that long term investment, but it is good to do your twelve month just to see, okay, what's actually happened. A bit more short term, do we need to make any changes to anything depending on what's going on? So for example, one one, like I said, the ISHIA's S and P 500, after fees, that's still gone up by 8.17%, which is still pretty good, and that investment is investing in the 500 largest companies listed in The US. So even though there's been, you know, fluctuations in The US, it's still done pretty good. So most of your investments are in your ETF structure. Do you know what that means? No. So you have different type of investments. So also implicit is, let's say, if you want to invest in the BHP, that would be a direct check. You invest directly into one particular company. You don't have any direct check-in your portfolio because it can obviously be a lot riskier because you put everything into one option. Now ETF, which in is an exchange traded fund, which is most of your investment in your portfolio, the way that they work is that they are designed to track an index. So let's say, for example, that you want to invest in the oil industry, not one particular company. This is where your ETFs come in really handy because you just track an index. So like that iShares S and P 500, like I said, it just follows the 500 largest company. So as a company gets smaller, it falls out. As another one gets bigger, it comes back in. So you don't need as much of that kind of active proportion to it because it just kind of tracks the biggest company. Now you have kind of different different ETFs in your portfolio. So some have done better than others. Now in, again, using the twelve month period, you have iShares Europe. So, again, invest in companies in Europe. You have Japan. That one has done 11.69% the last twelve months, which is really good. And then you also have an iShares MISTI, and that's just kind of investing in companies around the globe. So not kind of you wanna make sure that with your different direct shares in investments, it's also diversified along the globe. So you don't wanna be everything in, like, The US market or the Australian market or Japan, for example. You wanna have a little bit of everything. Now that is most of your ETF. Now the one that has gone down the last twelve months, more so because of a cyclical trend, so we're not too worried about it, is your beta says global cybersecurity. So that one is an ETF, but it follows, you know, the largest cybersecurity company. So this space more recently have seen fluctuations. Now that investment is currently down 9.28% using a twelve month period. Not not too concerned over it long term because it is more of your cyclical investment. It's not structural changes that we kind of foresee that needs to make the change now anyway. The the biggest kind of contributor through the overall portfolio, which is why you kind of haven't seen as much growth even though some of those have gone through have done pretty okay, is your Benelon Australian equity. Now that is the one that we swapped out. So this one here is a managed fund. So this works differently through your ETF in that the purpose is through so you basically invest in this one is Benelon Australian Equity. So you invest in Australian companies. Now Benelon as a fund then chooses different companies that they believe in that goes into a portfolio, and you just invest in the portfolio. And then each manager kind of have different criteria of how they construct and what they select. So the purpose of this investment and why it was added to your portfolio when you came on board was that it's done really, really well historically. And the function of it is to have a little bit more of the active management where they are trying to actively buy and sell different investments in order to try to outperform the market. Historically, they had done that. More recently, not so much, which is why we've kind of gone into a bit more a deep dive into the investment. And also just looking at the fund manager as itself, they've been a little bit slow kind of in making changes, and some of their convictions haven't played out. But one of the other contributors to why it was kind of underperforming was that one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you've heard of it. It was on the news and stuff. So, essentially, they had a bit of issues with their reporting, which actually meant that they were suspended from trading. So because of that, obviously, everything dropped or fell down. So overall, your Benelong Australian in the last twelve months, it was down 17%. 17 point eight four. That is the biggest contributor to why the last twelve months hasn't performed as well as expected even though we've had, you know, a lot of fluctuation. So we then decided to swap that one out for you for something that's going to do a little bit better. Now because, obviously, the structure of the portfolio, we wanna make sure that we don't put you too much in one particular market or an industry. So what we looked at was swapping a table. If we're swapping out an Australian option, we wanna look at changing for another Australian option to give you some of the Australian equity exposure. But what we did swap, we swapped for the a 200. So by doing so, it's not a managed fund. So it is reducing the fees because it's another ETF. So it is a bit of a lower cost through the investment, but it still gives you the Australian equity exposure. And it's essentially tracking the 200 largest companies in Australia. So it is a little bit cheaper than the managed fund. Just kind of tracking that index, and it has done a little bit better return wise as well than Benelon. So we kind of made the decision of selling out of Benelon and swapping that for the a 200 to make sure that, you know, we do have you in the option that is going to be the best for you at all times, which isn't always going to be the same option because things do change all the time. So it is kind of good to do reviews all the time, not just, obviously, during the annual review process. But we kind of, you know, continuously review and research your portfolio as well. So that's why we did make that change for you, which we foresee is going to be the biggest change. Because when I do look at all the investment options, that was the biggest contributor to why the portfolio hadn't performed as well, and you also had a pretty decent shareholding in it. So it was one of your actually, it was your largest one. So it was your largest option and then closely followed by the S and P 500. And because that one was down, which is why it's seen the biggest change. Yeah. Aside from that, we have you in a bit of gold as well. A little bit, gold have done really well recently. And the last twelve months, that one is actually up by 49%, which is crazy. So overall as a portfolio, the only kind of concern we had was your Benelung Australian equity, which we've just swapped out. Other than that, looking at your portfolio, there are kind of no issues or other concerns at this point anyway that we would like to change unless you have a specific request of what you want to do or if you wanna make any changes, because it's also up to, you know, if you do have personal preferences as well. Yeah. Yes. Yes. Def definitely. And when you do do you have access to your Netwealth account? Oh, perfect. And do you know how to pull different reports and stuff like that as well? No. Okay. I'm on your account right now, so I'll see if I can because my view might look a bit different. Do you have, like, a top where it says, like, generate, like, reports and statements? Let me see. Yep. Okay. Let me see here. Because I have one section which should be it just could a little bit different for you where it literally says reports and statements. And from that, you can easily generate different reports. And you'll have, like, statements. The one that we typically look at is your asset performance, and that is because that gives us after fees return and information, which is what we like to look at because, obviously, you wanna kind of show net of everything. So that is the asset performance. If you can't oh, yes. Can you see that? Yes. It yep. Yes. Perfect. So there should be a way there that you can actually pull a report. But if not, if it doesn't give you a full overview, you can always just email me if you want me to send you, like, a times, like, time snippet of different time frames. Would you like me to send you this twelve month report or what you have at the moment in front of you you're happy with? Yeah? Okay. Perfect. I will email this through you, and it will show you the 12 account of what I went over. It shows you the different investment. It shows you the returns as well, and you can also see that the the Ben along was the biggest contributor. You can see all of the different investments. So I will actually email that to you. If you do want any other reports or anything like that, you can always just send me an email back. Otherwise, we do have your it is a couple of months away, but we have your annual review coming up in October, otherwise. So would you be happy to wait through about then to do your annual review, or would you like to, like, bring it forward a couple of months to do a little more kind of in-depth and see how everything is going? Yeah. Like, around June, a bit earlier, because you also wanna give it a bit of time, obviously, with investments. Around June? Alright. Perfect. I'll make a little note here for the team to reach out in around June, and we can kind of book in that annual review. And aside from that as well, do you prefer a bit more frequent contact? Because we can do so there's kind of different, I guess, updates. So, obviously, if you have any questions or concern at any point in time, you can always call and email us, and we can book in for a for a catch up. But we can also kind of set otherwise catch up frequency. So at the moment, we just have it annually for you. But we if you would like, biannually or quarterly, I can set it that we contact you a bit more frequent even if it's just, like, a a little bit of a quicker catch up to see where things are at for you. Annually? Yeah. Okay. If anything changes already because that you can always just call and email whenever, and we can always set that up. But, otherwise, I'll make a little note for the team to contact you around June through book your info, your annual review. I will email you that as a performance detail. And the other thing is it looks like the ID we have on file has expired for you. Did you receive a new license a little while ago? Yes. Have you got a new one or not yet? Okay. That's okay. Yeah. When you get it, if you could respond to my email for me with just a photo of the front and the back of your license, that will be great. So then I can just kinda update that on file for you as well. Yep. Perfect. Now there is one last thing here. It says that it's outstanding, which is just your beneficiary details for do you have those at full at home? Would you like us to resend them? Yeah. Of course. Do you have access to a printer, or do you prefer post? Yeah? Are you happy for us to email it? It just has to be printed and web signs because you are making a legal nomination. Yes. Okay. Pat, do you have any questions in regards to how to complete it or who to nominate, and do your channel cannot nominate or anything like that, or is it just a matter of time? Yeah. Okay. Perfect. If you do, though, you could either just send me an email or ask what it means. I'll get the team to include a cover letter for you as well. Just to try to explain the different options and nominations that you can make. Yep. Perfect. Was there any other questions or any other concern, Tyler, that you have while you got me on the phone? No? Yeah. Okay. Perfect. Like I said, otherwise, the team will reach out in around June to book you in for that interview. But if you feel like you wanna bring it forward, you can, again, just give us a call or respond to my email as well. Yep. Perfect. Well, thank you so much for your time this afternoon. And, yeah, if you need anything else, don't hesitate to give me a call. No problem at all. We'll speak soon. 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afternoon, Tyler. This is Veronica from Oakview Financial. How are you? I'm good. Thanks.\n\nI had you booked in for a bit of a catch up. Is now still a good time for you? Yes. Yep. Perfect.\n\nAnd apologies. I am calling a couple of minutes late. My previous appointment was just running a little bit overtime. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.\n\nYep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep.\n\nYep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or kind of at the end of it now?\n\nYes. Okay. I can't imagine. But now I'll try not to keep you for too long, but, essentially, I can see here that you kind of contacted us after receiving the Benelong email with making the the change to your portfolio and wanted to talk about it in a little bit more detail. Is that right?\n\nGood timing. Yeah. Mhmm. Yep. Yes.\n\nYep. Yes. Yeah. Yep. Yep.\n\nNo. Definitely. And and very much so as well. It's like we overall, we have you invested in our high growth portfolio as well. Do you kind of remember, you know, what it means to be a high growth investor and how yeah.\n\nOkay. So, typically, obviously, in a high growth portfolio, the goal is to obviously maximize growth as much as you can over the long term. Short term, because you are investing more for growth assets, you can see more fluctuations, especially when, obviously, the share market and the world is a bit more turbulent, you can see more fluctuations. Now, typically, as well, what we see is that in a typical high growth portfolio, the likelihood of a negative return is about one in every five years. Again, it depends as well on what is going on in the world, and the last the last twelve months really has obviously seen a lot of fluctuations in in the the world and in the market.\n\nObviously, everything going on in The US and Trump and tariffs, been a lot of fluctuations. And, obviously, more recently with everything in The Middle East and stuff, there are obviously fluctuations. So it is quite expected with what's going on in the market, and then we're also seeing a lot of cyclical trends in different areas. Obviously, AI technology are seeing a bit of change through certain investments and stuff like that as well. Overall, the way that your portfolio is constructed is using that core satellite approach to investments where you do have the majority of your investments in your core investments.\n\nNow for example, one are you quite across, like, your portfolio? Do you go into your network accounts pretty often? Yep. And are you quite no. Okay.\n\nSo, like, for example, one one of your biggest shareholding is iShares S and P five hundred. Now I've just pulled a report for showing the portfolio for the last twelve months, which I'm happy to email that to you if you would like. It just show you the different investments. It kind of breaks it down in a twelve month period after fees. So it is kind of good to see as well.\n\nNow, typically, we do look more long term, obviously, with your superannuation because it is that long term investment, but it is good to do your twelve month just to see, okay, what's actually happened. A bit more short term, do we need to make any changes to anything depending on what's going on? So for example, one one, like I said, the ISHIA's S and P 500, after fees, that's still gone up by 8.17%, which is still pretty good, and that investment is investing in the 500 largest companies listed in The US. So even though there's been, you know, fluctuations in The US, it's still done pretty good. So most of your investments are in your ETF structure.\n\nDo you know what that means? No. So you have different type of investments. So also implicit is, let's say, if you want to invest in the BHP, that would be a direct check. You invest directly into one particular company.\n\nYou don't have any direct check-in your portfolio because it can obviously be a lot riskier because you put everything into one option. Now ETF, which in is an exchange traded fund, which is most of your investment in your portfolio, the way that they work is that they are designed to track an index. So let's say, for example, that you want to invest in the oil industry, not one particular company. This is where your ETFs come in really handy because you just track an index. So like that iShares S and P 500, like I said, it just follows the 500 largest company.\n\nSo as a company gets smaller, it falls out. As another one gets bigger, it comes back in. So you don't need as much of that kind of active proportion to it because it just kind of tracks the biggest company. Now you have kind of different different ETFs in your portfolio. So some have done better than others.\n\nNow in, again, using the twelve month period, you have iShares Europe. So, again, invest in companies in Europe. You have Japan. That one has done 11.69% the last twelve months, which is really good. And then you also have an iShares MISTI, and that's just kind of investing in companies around the globe.\n\nSo not kind of you wanna make sure that with your different direct shares in investments, it's also diversified along the globe. So you don't wanna be everything in, like, The US market or the Australian market or Japan, for example. You wanna have a little bit of everything. Now that is most of your ETF. Now the one that has gone down the last twelve months, more so because of a cyclical trend, so we're not too worried about it, is your beta says global cybersecurity.\n\nSo that one is an ETF, but it follows, you know, the largest cybersecurity company. So this space more recently have seen fluctuations. Now that investment is currently down 9.28% using a twelve month period. Not not too concerned over it long term because it is more of your cyclical investment. It's not structural changes that we kind of foresee that needs to make the change now anyway.\n\nThe the biggest kind of contributor through the overall portfolio, which is why you kind of haven't seen as much growth even though some of those have gone through have done pretty okay, is your Benelon Australian equity. Now that is the one that we swapped out. So this one here is a managed fund. So this works differently through your ETF in that the purpose is through so you basically invest in this one is Benelon Australian Equity. So you invest in Australian companies.\n\nNow Benelon as a fund then chooses different companies that they believe in that goes into a portfolio, and you just invest in the portfolio. And then each manager kind of have different criteria of how they construct and what they select. So the purpose of this investment and why it was added to your portfolio when you came on board was that it's done really, really well historically. And the function of it is to have a little bit more of the active management where they are trying to actively buy and sell different investments in order to try to outperform the market. Historically, they had done that.\n\nMore recently, not so much, which is why we've kind of gone into a bit more a deep dive into the investment. And also just looking at the fund manager as itself, they've been a little bit slow kind of in making changes, and some of their convictions haven't played out. But one of the other contributors to why it was kind of underperforming was that one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you've heard of it. It was on the news and stuff.\n\nSo, essentially, they had a bit of issues with their reporting, which actually meant that they were suspended from trading. So because of that, obviously, everything dropped or fell down. So overall, your Benelong Australian in the last twelve months, it was down 17%. 17 point eight four. That is the biggest contributor to why the last twelve months hasn't performed as well as expected even though we've had, you know, a lot of fluctuation.\n\nSo we then decided to swap that one out for you for something that's going to do a little bit better. Now because, obviously, the structure of the portfolio, we wanna make sure that we don't put you too much in one particular market or an industry. So what we looked at was swapping a table. If we're swapping out an Australian option, we wanna look at changing for another Australian option to give you some of the Australian equity exposure. But what we did swap, we swapped for the a 200.\n\nSo by doing so, it's not a managed fund. So it is reducing the fees because it's another ETF. So it is a bit of a lower cost through the investment, but it still gives you the Australian equity exposure. And it's essentially tracking the 200 largest companies in Australia. So it is a little bit cheaper than the managed fund.\n\nJust kind of tracking that index, and it has done a little bit better return wise as well than Benelon. So we kind of made the decision of selling out of Benelon and swapping that for the a 200 to make sure that, you know, we do have you in the option that is going to be the best for you at all times, which isn't always going to be the same option because things do change all the time. So it is kind of good to do reviews all the time, not just, obviously, during the annual review process. But we kind of, you know, continuously review and research your portfolio as well. So that's why we did make that change for you, which we foresee is going to be the biggest change.\n\nBecause when I do look at all the investment options, that was the biggest contributor to why the portfolio hadn't performed as well, and you also had a pretty decent shareholding in it. So it was one of your actually, it was your largest one. So it was your largest option and then closely followed by the S and P 500. And because that one was down, which is why it's seen the biggest change. Yeah.\n\nAside from that, we have you in a bit of gold as well. A little bit, gold have done really well recently. And the last twelve months, that one is actually up by 49%, which is crazy. So overall as a portfolio, the only kind of concern we had was your Benelung Australian equity, which we've just swapped out. Other than that, looking at your portfolio, there are kind of no issues or other concerns at this point anyway that we would like to change unless you have a specific request of what you want to do or if you wanna make any changes, because it's also up to, you know, if you do have personal preferences as well.\n\nYeah. Yes. Yes. Def definitely. And when you do do you have access to your Netwealth account?\n\nOh, perfect. And do you know how to pull different reports and stuff like that as well? No. Okay. I'm on your account right now, so I'll see if I can because my view might look a bit different.\n\nDo you have, like, a top where it says, like, generate, like, reports and statements? Let me see. Yep. Okay. Let me see here.\n\nBecause I have one section which should be it just could a little bit different for you where it literally says reports and statements. And from that, you can easily generate different reports. And you'll have, like, statements. The one that we typically look at is your asset performance, and that is because that gives us after fees return and information, which is what we like to look at because, obviously, you wanna kind of show net of everything. So that is the asset performance.\n\nIf you can't oh, yes. Can you see that? Yes. It yep. Yes.\n\nPerfect. So there should be a way there that you can actually pull a report. But if not, if it doesn't give you a full overview, you can always just email me if you want me to send you, like, a times, like, time snippet of different time frames. Would you like me to send you this twelve month report or what you have at the moment in front of you you're happy with? Yeah?\n\nOkay. Perfect. I will email this through you, and it will show you the 12 account of what I went over. It shows you the different investment. It shows you the returns as well, and you can also see that the the Ben along was the biggest contributor.\n\nYou can see all of the different investments. So I will actually email that to you. If you do want any other reports or anything like that, you can always just send me an email back. Otherwise, we do have your it is a couple of months away, but we have your annual review coming up in October, otherwise. So would you be happy to wait through about then to do your annual review, or would you like to, like, bring it forward a couple of months to do a little more kind of in-depth and see how everything is going?\n\nYeah. Like, around June, a bit earlier, because you also wanna give it a bit of time, obviously, with investments. Around June? Alright. Perfect.\n\nI'll make a little note here for the team to reach out in around June, and we can kind of book in that annual review. And aside from that as well, do you prefer a bit more frequent contact? Because we can do so there's kind of different, I guess, updates. So, obviously, if you have any questions or concern at any point in time, you can always call and email us, and we can book in for a for a catch up. But we can also kind of set otherwise catch up frequency.\n\nSo at the moment, we just have it annually for you. But we if you would like, biannually or quarterly, I can set it that we contact you a bit more frequent even if it's just, like, a a little bit of a quicker catch up to see where things are at for you. Annually? Yeah. Okay.\n\nIf anything changes already because that you can always just call and email whenever, and we can always set that up. But, otherwise, I'll make a little note for the team to contact you around June through book your info, your annual review. I will email you that as a performance detail. And the other thing is it looks like the ID we have on file has expired for you. Did you receive a new license a little while ago?\n\nYes. Have you got a new one or not yet? Okay. That's okay. Yeah.\n\nWhen you get it, if you could respond to my email for me with just a photo of the front and the back of your license, that will be great. So then I can just kinda update that on file for you as well. Yep. Perfect. Now there is one last thing here.\n\nIt says that it's outstanding, which is just your beneficiary details for do you have those at full at home? Would you like us to resend them? Yeah. Of course. Do you have access to a printer, or do you prefer post?\n\nYeah? Are you happy for us to email it? It just has to be printed and web signs because you are making a legal nomination. Yes. Okay.\n\nPat, do you have any questions in regards to how to complete it or who to nominate, and do your channel cannot nominate or anything like that, or is it just a matter of time? Yeah. Okay. Perfect. If you do, though, you could either just send me an email or ask what it means.\n\nI'll get the team to include a cover letter for you as well. Just to try to explain the different options and nominations that you can make. Yep. Perfect. Was there any other questions or any other concern, Tyler, that you have while you got me on the phone?\n\nNo? Yeah. Okay. Perfect. Like I said, otherwise, the team will reach out in around June to book you in for that interview.\n\nBut if you feel like you wanna bring it forward, you can, again, just give us a call or respond to my email as well. Yep. Perfect. Well, thank you so much for your time this afternoon. And, yeah, if you need anything else, don't hesitate to give me a call.\n\nNo problem at all. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tyler.","start":3.6,"end":4.56,"sentiment":"neutral","sentiment_score":0.30749772985776264},{"text":"This is Veronica from Oakview Financial.","start":4.56,"end":6.5,"sentiment":"neutral","sentiment_score":0.26634393135706586},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1907522032658259},{"text":"I'm good.","start":8.96,"end":9.599999,"sentiment":"positive","sentiment_score":0.5400769710540771},{"text":"Thanks.","start":9.599999,"end":10.099999,"sentiment":"positive","sentiment_score":0.6062179803848267}],"sentiment":"neutral","sentiment_score":0.31861235400040944,"num_words":15,"start":3.6,"end":10.099999},{"sentences":[{"text":"I had you booked in for a bit of a catch up.","start":10.88,"end":12.88,"sentiment":"neutral","sentiment_score":0.27245712156097096},{"text":"Is now still a good time for you?","start":12.88,"end":14.58,"sentiment":"neutral","sentiment_score":0.2755241207778454},{"text":"Yes.","start":15.775,"end":16.175,"sentiment":"neutral","sentiment_score":0.07261225581169128},{"text":"Yep.","start":16.175,"end":16.494999,"sentiment":"neutral","sentiment_score":0.10893338918685912},{"text":"Perfect.","start":16.494999,"end":16.814999,"sentiment":"neutral","sentiment_score":0.2623821794986725}],"sentiment":"neutral","sentiment_score":0.2572872282370277,"num_words":23,"start":10.88,"end":16.814999},{"sentences":[{"text":"And apologies.","start":16.814999,"end":17.535,"sentiment":"neutral","sentiment_score":-0.015210336074233055},{"text":"I am calling a couple of minutes late.","start":17.535,"end":19.375,"sentiment":"neutral","sentiment_score":-0.06753961648792028},{"text":"My previous appointment was just running a little bit overtime.","start":19.375,"end":21.795,"sentiment":"neutral","sentiment_score":-0.08052945993840695},{"text":"Perfect.","start":24.654999,"end":25.154999,"sentiment":"neutral","sentiment_score":0.32358768582344055},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.","start":25.935,"end":33.45,"sentiment":"neutral","sentiment_score":0.03705708994980781}],"sentiment":"neutral","sentiment_score":0.0018524090544535564,"num_words":52,"start":16.814999,"end":33.45},{"sentences":[{"text":"Yep.","start":34.469997,"end":34.969997,"sentiment":"neutral","sentiment_score":0.11888909339904784},{"text":"Perfect.","start":35.19,"end":35.67,"sentiment":"neutral","sentiment_score":0.25175634026527405},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":35.67,"end":43.53,"sentiment":"neutral","sentiment_score":0.08363525125269707},{"text":"Yep.","start":46.375,"end":46.875,"sentiment":"neutral","sentiment_score":0.01705133356153965},{"text":"Yep.","start":48.614998,"end":49.114998,"sentiment":"neutral","sentiment_score":0.02115228585898876}],"sentiment":"neutral","sentiment_score":0.08611218618849913,"num_words":30,"start":34.469997,"end":49.114998},{"sentences":[{"text":"Yep.","start":51.655,"end":52.055,"sentiment":"neutral","sentiment_score":0.10225699841976166},{"text":"Perfect.","start":52.055,"end":52.555,"sentiment":"positive","sentiment_score":0.4139970541000366},{"text":"That's exactly what I have here.","start":52.614998,"end":54.135,"sentiment":"positive","sentiment_score":0.4503767291704814},{"text":"And how's your day been so far?","start":54.135,"end":55.655,"sentiment":"neutral","sentiment_score":0.12764696031808853},{"text":"Been busy or kind of at the end of it now?","start":55.655,"end":58.155,"sentiment":"neutral","sentiment_score":-0.06921218504959886}],"sentiment":"neutral","sentiment_score":0.12887342747014302,"num_words":26,"start":51.655,"end":58.155},{"sentences":[{"text":"Yes.","start":60.359997,"end":60.859997,"sentiment":"neutral","sentiment_score":-0.04697006940841675},{"text":"Okay.","start":64.44,"end":64.56,"sentiment":"neutral","sentiment_score":-0.049496375024318695},{"text":"I can't imagine.","start":64.56,"end":65.34,"sentiment":"neutral","sentiment_score":-0.07801950971285503},{"text":"But now I'll try not to keep you for too long, but, essentially, I can see here that you kind of contacted us after receiving the Benelong email with making the the change to your portfolio and wanted to talk about it in a little bit more detail.","start":66.6,"end":80.735,"sentiment":"neutral","sentiment_score":0.04147490682468439},{"text":"Is that right?","start":80.735,"end":81.555,"sentiment":"neutral","sentiment_score":0.05700898915529251}],"sentiment":"neutral","sentiment_score":0.03270174145498978,"num_words":56,"start":60.359997,"end":81.555},{"sentences":[{"text":"Good timing.","start":88.909996,"end":89.729996,"sentiment":"neutral","sentiment_score":0.09183918684720993},{"text":"Yeah.","start":94.03,"end":94.53,"sentiment":"neutral","sentiment_score":0.013225654140114784},{"text":"Mhmm.","start":95.325,"end":95.825,"sentiment":"neutral","sentiment_score":-0.010154244489967825},{"text":"Yep.","start":96.604996,"end":97.104996,"sentiment":"neutral","sentiment_score":-0.013460162095725536},{"text":"Yes.","start":107.244995,"end":107.744995,"sentiment":"neutral","sentiment_score":-0.008374322205781937}],"sentiment":"neutral","sentiment_score":0.027485883173843224,"num_words":6,"start":88.909996,"end":107.744995},{"sentences":[{"text":"Yep.","start":109.22,"end":109.72,"sentiment":"neutral","sentiment_score":-0.004033863544464111},{"text":"Yes.","start":114.98,"end":115.48,"sentiment":"neutral","sentiment_score":-0.037790507078170776},{"text":"Yeah.","start":119.46,"end":119.96,"sentiment":"neutral","sentiment_score":-0.08881799876689911},{"text":"Yep.","start":122.265,"end":122.585,"sentiment":"neutral","sentiment_score":-0.02193293534219265},{"text":"Yep.","start":122.585,"end":123.085,"sentiment":"neutral","sentiment_score":0.07230344414710999}],"sentiment":"neutral","sentiment_score":-0.016054372116923333,"num_words":5,"start":109.22,"end":123.085},{"sentences":[{"text":"No.","start":125.145004,"end":125.305,"sentiment":"neutral","sentiment_score":0.04385805130004883},{"text":"Definitely.","start":125.305,"end":125.805,"sentiment":"neutral","sentiment_score":0.21939989924430847},{"text":"And and very much so as well.","start":126.185,"end":127.865,"sentiment":"positive","sentiment_score":0.3745997909988676},{"text":"It's like we overall, we have you invested in our high growth portfolio as well.","start":127.865,"end":135.005,"sentiment":"positive","sentiment_score":0.34849419395128883},{"text":"Do you kind of remember, you know, what it means to be a high growth investor and how yeah.","start":135.65,"end":141.89,"sentiment":"neutral","sentiment_score":0.12788286256162743}],"sentiment":"neutral","sentiment_score":0.24517776245294615,"num_words":43,"start":125.145004,"end":141.89},{"sentences":[{"text":"Okay.","start":141.89,"end":142.39,"sentiment":"neutral","sentiment_score":0.15628482401371002},{"text":"So, typically, obviously, in a high growth portfolio, the goal is to obviously maximize growth as much as you can over the long term.","start":142.61,"end":149.355,"sentiment":"neutral","sentiment_score":0.30122532074650127},{"text":"Short term, because you are investing more for growth assets, you can see more fluctuations, especially when, obviously, the share market and the world is a bit more turbulent, you can see more fluctuations.","start":150.235,"end":161.53499,"sentiment":"neutral","sentiment_score":-0.07828871456577498},{"text":"Now, typically, as well, what we see is that in a typical high growth portfolio, the likelihood of a negative return is about one in every five years.","start":162.39499,"end":172.95,"sentiment":"neutral","sentiment_score":-0.32718304810779436},{"text":"Again, it depends as well on what is going on in the world, and the last the last twelve months really has obviously seen a lot of fluctuations in in the the world and in the market.","start":173.25,"end":184.755,"sentiment":"neutral","sentiment_score":-0.21741742097042702}],"sentiment":"neutral","sentiment_score":-0.10065882013089233,"num_words":124,"start":141.89,"end":184.755},{"sentences":[{"text":"Obviously, everything going on in The US and Trump and tariffs, been a lot of fluctuations.","start":184.755,"end":189.335,"sentiment":"neutral","sentiment_score":-0.142064209561795},{"text":"And, obviously, more recently with everything in The Middle East and stuff, there are obviously fluctuations.","start":189.55501,"end":195.16,"sentiment":"neutral","sentiment_score":-0.11477371910586953},{"text":"So it is quite expected with what's going on in the market, and then we're also seeing a lot of cyclical trends in different areas.","start":195.7,"end":204.42,"sentiment":"neutral","sentiment_score":-0.06571832820773124},{"text":"Obviously, AI technology are seeing a bit of change through certain investments and stuff like that as well.","start":204.42,"end":210.975,"sentiment":"neutral","sentiment_score":-0.05862171368466483},{"text":"Overall, the way that your portfolio is constructed is using that core satellite approach to investments where you do have the majority of your investments in your core investments.","start":212.795,"end":222.95,"sentiment":"neutral","sentiment_score":0.18767013426484733}],"sentiment":"neutral","sentiment_score":-0.013126173235762578,"num_words":104,"start":184.755,"end":222.95},{"sentences":[{"text":"Now for example, one are you quite across, like, your portfolio?","start":223.73,"end":228.71,"sentiment":"neutral","sentiment_score":0.10070873187346892},{"text":"Do you go into your network accounts pretty often?","start":228.77,"end":231.03,"sentiment":"neutral","sentiment_score":0.054386342151297465},{"text":"Yep.","start":235.20499,"end":235.70499,"sentiment":"neutral","sentiment_score":0.06724436581134796},{"text":"And are you quite no.","start":236.245,"end":238.965,"sentiment":"neutral","sentiment_score":-0.005447655543684959},{"text":"Okay.","start":238.965,"end":239.465,"sentiment":"neutral","sentiment_score":0.01562853902578354}],"sentiment":"neutral","sentiment_score":0.06121880581809415,"num_words":27,"start":223.73,"end":239.465},{"sentences":[{"text":"So, like, for example, one one of your biggest shareholding is iShares S and P five hundred.","start":239.685,"end":245.305,"sentiment":"neutral","sentiment_score":0.07688490126062841},{"text":"Now I've just pulled a report for showing the portfolio for the last twelve months, which I'm happy to email that to you if you would like.","start":246.00499,"end":254.32,"sentiment":"neutral","sentiment_score":0.3044121497207218},{"text":"It just show you the different investments.","start":254.94,"end":256.64,"sentiment":"neutral","sentiment_score":0.22286399134567805},{"text":"It kind of breaks it down in a twelve month period after fees.","start":256.78,"end":261.84,"sentiment":"neutral","sentiment_score":0.14266804233193398},{"text":"So it is kind of good to see as well.","start":262.045,"end":263.965,"sentiment":"positive","sentiment_score":0.6961394131183625}],"sentiment":"neutral","sentiment_score":0.2689499727676849,"num_words":74,"start":239.685,"end":263.965},{"sentences":[{"text":"Now, typically, we do look more long term, obviously, with your superannuation because it is that long term investment, but it is good to do your twelve month just to see, okay, what's actually happened.","start":263.965,"end":273.105,"sentiment":"neutral","sentiment_score":0.21435916306717054},{"text":"A bit more short term, do we need to make any changes to anything depending on what's going on?","start":273.245,"end":278.63,"sentiment":"neutral","sentiment_score":0.01313158418787153},{"text":"So for example, one one, like I said, the ISHIA's S and P 500, after fees, that's still gone up by 8.17%, which is still pretty good, and that investment is investing in the 500 largest companies listed in The US.","start":279.89,"end":294.875,"sentiment":"positive","sentiment_score":0.33905601719530615},{"text":"So even though there's been, you know, fluctuations in The US, it's still done pretty good.","start":295.335,"end":299.195,"sentiment":"neutral","sentiment_score":0.2757084355689585},{"text":"So most of your investments are in your ETF structure.","start":299.415,"end":304.11002,"sentiment":"neutral","sentiment_score":0.1300204575061798}],"sentiment":"neutral","sentiment_score":0.2261562566619274,"num_words":121,"start":263.965,"end":304.11002},{"sentences":[{"text":"Do you know what that means?","start":304.41,"end":306.51,"sentiment":"neutral","sentiment_score":0.039555398747324944},{"text":"No.","start":308.33002,"end":308.65002,"sentiment":"neutral","sentiment_score":-0.07345042377710342},{"text":"So you have different type of investments.","start":308.65002,"end":310.91,"sentiment":"neutral","sentiment_score":-0.05159405938216618},{"text":"So also implicit is, let's say, if you want to invest in the BHP, that would be a direct check.","start":310.97,"end":316.585,"sentiment":"neutral","sentiment_score":-0.044584300555288794},{"text":"You invest directly into one particular company.","start":316.585,"end":319.565,"sentiment":"neutral","sentiment_score":-0.03966704436710903}],"sentiment":"neutral","sentiment_score":-0.03333248216204527,"num_words":41,"start":304.41,"end":319.565},{"sentences":[{"text":"You don't have any direct check-in your portfolio because it can obviously be a lot riskier because you put everything into one option.","start":320.665,"end":326.60498,"sentiment":"neutral","sentiment_score":-0.14094709621175475},{"text":"Now ETF, which in is an exchange traded fund, which is most of your investment in your portfolio, the way that they work is that they are designed to track an index.","start":328.16998,"end":339.15,"sentiment":"neutral","sentiment_score":0.07339563174173236},{"text":"So let's say, for example, that you want to invest in the oil industry, not one particular company.","start":339.61,"end":345.605,"sentiment":"neutral","sentiment_score":0.059239797501100436},{"text":"This is where your ETFs come in really handy because you just track an index.","start":345.745,"end":350.385,"sentiment":"neutral","sentiment_score":0.13484528760115305},{"text":"So like that iShares S and P 500, like I said, it just follows the 500 largest company.","start":350.385,"end":356.485,"sentiment":"neutral","sentiment_score":0.08752928777701324}],"sentiment":"neutral","sentiment_score":0.0355792438857398,"num_words":106,"start":320.665,"end":356.485},{"sentences":[{"text":"So as a company gets smaller, it falls out.","start":356.83002,"end":358.99002,"sentiment":"neutral","sentiment_score":-0.022196949356132083},{"text":"As another one gets bigger, it comes back in.","start":358.99002,"end":361.07,"sentiment":"neutral","sentiment_score":0.015319570071167417},{"text":"So you don't need as much of that kind of active proportion to it because it just kind of tracks the biggest company.","start":361.07,"end":367.41,"sentiment":"neutral","sentiment_score":0.05124013271668683},{"text":"Now you have kind of different different ETFs in your portfolio.","start":368.03,"end":371.97,"sentiment":"neutral","sentiment_score":0.1262533183802258},{"text":"So some have done better than others.","start":372.915,"end":374.595,"sentiment":"neutral","sentiment_score":0.30605748295783997}],"sentiment":"neutral","sentiment_score":0.07877653426790641,"num_words":59,"start":356.83002,"end":374.595},{"sentences":[{"text":"Now in, again, using the twelve month period, you have iShares Europe.","start":374.595,"end":378.935,"sentiment":"neutral","sentiment_score":0.08842531063904364},{"text":"So, again, invest in companies in Europe.","start":379.555,"end":382.215,"sentiment":"neutral","sentiment_score":0.09213317079203469},{"text":"You have Japan.","start":382.51498,"end":383.495,"sentiment":"neutral","sentiment_score":0.04933499669035276},{"text":"That one has done 11.69% the last twelve months, which is really good.","start":383.635,"end":388.05,"sentiment":"positive","sentiment_score":0.6861168146133423},{"text":"And then you also have an iShares MISTI, and that's just kind of investing in companies around the globe.","start":388.21,"end":394.55,"sentiment":"neutral","sentiment_score":0.2549482317347276}],"sentiment":"neutral","sentiment_score":0.28921436863364997,"num_words":54,"start":374.595,"end":394.55},{"sentences":[{"text":"So not kind of you wanna make sure that with your different direct shares in investments, it's also diversified along the globe.","start":395.00998,"end":403.325,"sentiment":"neutral","sentiment_score":0.1014891800216653},{"text":"So you don't wanna be everything in, like, The US market or the Australian market or Japan, for example.","start":403.325,"end":408.365,"sentiment":"neutral","sentiment_score":0.03131985679072769},{"text":"You wanna have a little bit of everything.","start":408.365,"end":409.98502,"sentiment":"neutral","sentiment_score":0.04574044793844223},{"text":"Now that is most of your ETF.","start":411.565,"end":414.625,"sentiment":"neutral","sentiment_score":0.0439212295625891},{"text":"Now the one that has gone down the last twelve months, more so because of a cyclical trend, so we're not too worried about it, is your beta says global cybersecurity.","start":414.685,"end":422.61,"sentiment":"neutral","sentiment_score":0.013959642229301314}],"sentiment":"neutral","sentiment_score":0.04521793493166052,"num_words":87,"start":395.00998,"end":422.61},{"sentences":[{"text":"So that one is an ETF, but it follows, you know, the largest cybersecurity company.","start":423.47,"end":429.49,"sentiment":"neutral","sentiment_score":0.008810413830603162},{"text":"So this space more recently have seen fluctuations.","start":429.55,"end":432.37,"sentiment":"neutral","sentiment_score":-0.061133764218539},{"text":"Now that investment is currently down 9.28% using a twelve month period.","start":433.345,"end":439.605,"sentiment":"neutral","sentiment_score":-0.1296525839716196},{"text":"Not not too concerned over it long term because it is more of your cyclical investment.","start":440.465,"end":445.265,"sentiment":"neutral","sentiment_score":-0.08483138191513717},{"text":"It's not structural changes that we kind of foresee that needs to make the change now anyway.","start":445.265,"end":450.44,"sentiment":"neutral","sentiment_score":-0.11499158950412974}],"sentiment":"neutral","sentiment_score":-0.07683682420825147,"num_words":68,"start":423.47,"end":450.44},{"sentences":[{"text":"The the biggest kind of contributor through the overall portfolio, which is why you kind of haven't seen as much growth even though some of those have gone through have done pretty okay, is your Benelon Australian equity.","start":452.5,"end":466.165,"sentiment":"neutral","sentiment_score":0.09085745089932491},{"text":"Now that is the one that we swapped out.","start":466.225,"end":468.565,"sentiment":"neutral","sentiment_score":0.03423024465640386},{"text":"So this one here is a managed fund.","start":469.105,"end":472.165,"sentiment":"neutral","sentiment_score":0.040848777163773775},{"text":"So this works differently through your ETF in that the purpose is through so you basically invest in this one is Benelon Australian Equity.","start":472.385,"end":481.90997,"sentiment":"neutral","sentiment_score":0.05588629608973861},{"text":"So you invest in Australian companies.","start":481.90997,"end":483.93,"sentiment":"neutral","sentiment_score":0.03554578311741352}],"sentiment":"neutral","sentiment_score":0.0663763689205927,"num_words":85,"start":452.5,"end":483.93},{"sentences":[{"text":"Now Benelon as a fund then chooses different companies that they believe in that goes into a portfolio, and you just invest in the portfolio.","start":484.46997,"end":492.85498,"sentiment":"neutral","sentiment_score":0.05186159163713455},{"text":"And then each manager kind of have different criteria of how they construct and what they select.","start":492.995,"end":498.215,"sentiment":"neutral","sentiment_score":0.04104677500093684},{"text":"So the purpose of this investment and why it was added to your portfolio when you came on board was that it's done really, really well historically.","start":498.755,"end":506.69,"sentiment":"neutral","sentiment_score":0.18128547734684414},{"text":"And the function of it is to have a little bit more of the active management where they are trying to actively buy and sell different investments in order to try to outperform the market.","start":507.71,"end":517.81,"sentiment":"neutral","sentiment_score":0.14740266097443444},{"text":"Historically, they had done that.","start":518.755,"end":520.455,"sentiment":"neutral","sentiment_score":0.03826417960226536}],"sentiment":"neutral","sentiment_score":0.11228859528830838,"num_words":109,"start":484.46997,"end":520.455},{"sentences":[{"text":"More recently, not so much, which is why we've kind of gone into a bit more a deep dive into the investment.","start":520.755,"end":527.655,"sentiment":"neutral","sentiment_score":-0.08639390004629438},{"text":"And also just looking at the fund manager as itself, they've been a little bit slow kind of in making changes, and some of their convictions haven't played out.","start":528.115,"end":537.44,"sentiment":"neutral","sentiment_score":-0.3283456376400487},{"text":"But one of the other contributors to why it was kind of underperforming was that one of the investments that they had in their portfolio was the corporate travel group.","start":538.86,"end":549.355,"sentiment":"negative","sentiment_score":-0.4007161607344945},{"text":"I'm not sure if you've heard of it.","start":549.355,"end":550.635,"sentiment":"neutral","sentiment_score":-0.24069379828870296},{"text":"It was on the news and stuff.","start":550.635,"end":552.255,"sentiment":"neutral","sentiment_score":-0.17018419929913112}],"sentiment":"neutral","sentiment_score":-0.27667722808352363,"num_words":96,"start":520.755,"end":552.255},{"sentences":[{"text":"So, essentially, they had a bit of issues with their reporting, which actually meant that they were suspended from trading.","start":554.315,"end":560.14996,"sentiment":"negative","sentiment_score":-0.4109149366617203},{"text":"So because of that, obviously, everything dropped or fell down.","start":560.61,"end":564.23,"sentiment":"negative","sentiment_score":-0.46560766696929934},{"text":"So overall, your Benelong Australian in the last twelve months, it was down 17%.","start":564.61,"end":571.02997,"sentiment":"neutral","sentiment_score":-0.22051582485437393},{"text":"17 point eight four.","start":571.665,"end":573.105,"sentiment":"neutral","sentiment_score":-0.028142069932073355},{"text":"That is the biggest contributor to why the last twelve months hasn't performed as well as expected even though we've had, you know, a lot of fluctuation.","start":573.105,"end":583.045,"sentiment":"neutral","sentiment_score":-0.2731954336718277}],"sentiment":"neutral","sentiment_score":-0.3126725591967503,"num_words":75,"start":554.315,"end":583.045},{"sentences":[{"text":"So we then decided to swap that one out for you for something that's going to do a little bit better.","start":584.73004,"end":590.59,"sentiment":"neutral","sentiment_score":0.10359204063812892},{"text":"Now because, obviously, the structure of the portfolio, we wanna make sure that we don't put you too much in one particular market or an industry.","start":590.81006,"end":598.43005,"sentiment":"neutral","sentiment_score":-0.03397381004805748},{"text":"So what we looked at was swapping a table.","start":598.755,"end":600.755,"sentiment":"neutral","sentiment_score":0.038278185038103},{"text":"If we're swapping out an Australian option, we wanna look at changing for another Australian option to give you some of the Australian equity exposure.","start":600.755,"end":609.415,"sentiment":"neutral","sentiment_score":0.035572826713323596},{"text":"But what we did swap, we swapped for the a 200.","start":610.115,"end":614.135,"sentiment":"neutral","sentiment_score":0.11568490415811539}],"sentiment":"neutral","sentiment_score":0.041287739902896727,"num_words":92,"start":584.73004,"end":614.135},{"sentences":[{"text":"So by doing so, it's not a managed fund.","start":614.57,"end":619.31,"sentiment":"neutral","sentiment_score":0.12511446409755284},{"text":"So it is reducing the fees because it's another ETF.","start":619.37,"end":622.09,"sentiment":"neutral","sentiment_score":0.2212234616279602},{"text":"So it is a bit of a lower cost through the investment, but it still gives you the Australian equity exposure.","start":622.09,"end":629.87,"sentiment":"neutral","sentiment_score":0.278818306468782},{"text":"And it's essentially tracking the 200 largest companies in Australia.","start":630.365,"end":635.105,"sentiment":"neutral","sentiment_score":0.27141023427248},{"text":"So it is a little bit cheaper than the managed fund.","start":635.64496,"end":638.305,"sentiment":"neutral","sentiment_score":0.32323201948946173}],"sentiment":"neutral","sentiment_score":0.25349350469034226,"num_words":61,"start":614.57,"end":638.305},{"sentences":[{"text":"Just kind of tracking that index, and it has done a little bit better return wise as well than Benelon.","start":638.445,"end":646.24005,"sentiment":"positive","sentiment_score":0.433449761942029},{"text":"So we kind of made the decision of selling out of Benelon and swapping that for the a 200 to make sure that, you know, we do have you in the option that is going to be the best for you at all times, which isn't always going to be the same option because things do change all the time.","start":646.38,"end":663.585,"sentiment":"neutral","sentiment_score":0.20206463200350602},{"text":"So it is kind of good to do reviews all the time, not just, obviously, during the annual review process.","start":663.585,"end":669.60504,"sentiment":"neutral","sentiment_score":0.19674407057464122},{"text":"But we kind of, you know, continuously review and research your portfolio as well.","start":669.95,"end":674.77,"sentiment":"neutral","sentiment_score":0.19600292082343782},{"text":"So that's why we did make that change for you, which we foresee is going to be the biggest change.","start":677.07,"end":683.515,"sentiment":"positive","sentiment_score":0.43354188576340674}],"sentiment":"neutral","sentiment_score":0.26972114311447787,"num_words":134,"start":638.445,"end":683.515},{"sentences":[{"text":"Because when I do look at all the investment options, that was the biggest contributor to why the portfolio hadn't performed as well, and you also had a pretty decent shareholding in it.","start":683.515,"end":694.875,"sentiment":"neutral","sentiment_score":0.21414745779651584},{"text":"So it was one of your actually, it was your largest one.","start":694.875,"end":698.815,"sentiment":"neutral","sentiment_score":0.20336631188790003},{"text":"So it was your largest option and then closely followed by the S and P 500.","start":698.85,"end":703.35,"sentiment":"neutral","sentiment_score":0.15674598095938563},{"text":"And because that one was down, which is why it's seen the biggest change.","start":703.64996,"end":707.50995,"sentiment":"neutral","sentiment_score":0.06029210186430386},{"text":"Yeah.","start":709.08997,"end":709.58997,"sentiment":"neutral","sentiment_score":0.13392937183380127}],"sentiment":"neutral","sentiment_score":0.17096337293715855,"num_words":76,"start":683.515,"end":709.58997},{"sentences":[{"text":"Aside from that, we have you in a bit of gold as well.","start":710.93,"end":714.23,"sentiment":"neutral","sentiment_score":0.18829369430358595},{"text":"A little bit, gold have done really well recently.","start":715.305,"end":719.305,"sentiment":"neutral","sentiment_score":0.3272456361187829},{"text":"And the last twelve months, that one is actually up by 49%, which is crazy.","start":719.305,"end":723.485,"sentiment":"neutral","sentiment_score":0.3095429023106893},{"text":"So overall as a portfolio, the only kind of concern we had was your Benelung Australian equity, which we've just swapped out.","start":725.465,"end":733.32996,"sentiment":"neutral","sentiment_score":0.022455607117577034},{"text":"Other than that, looking at your portfolio, there are kind of no issues or other concerns at this point anyway that we would like to change unless you have a specific request of what you want to do or if you wanna make any changes, because it's also up to, you know, if you do have personal preferences as well.","start":734.50995,"end":752.135,"sentiment":"neutral","sentiment_score":0.03566674242417018}],"sentiment":"neutral","sentiment_score":0.10647227048498242,"num_words":119,"start":710.93,"end":752.135},{"sentences":[{"text":"Yeah.","start":767.585,"end":768.085,"sentiment":"neutral","sentiment_score":0.05091178044676781},{"text":"Yes.","start":769.66504,"end":770.145,"sentiment":"neutral","sentiment_score":0.12833479046821594},{"text":"Yes.","start":770.145,"end":770.625,"sentiment":"neutral","sentiment_score":0.12860120832920074},{"text":"Def definitely.","start":770.625,"end":771.685,"sentiment":"neutral","sentiment_score":0.15638571232557297},{"text":"And when you do do you have access to your Netwealth account?","start":772.465,"end":775.28503,"sentiment":"neutral","sentiment_score":0.08686245170732339}],"sentiment":"neutral","sentiment_score":0.09782168378724772,"num_words":17,"start":767.585,"end":775.28503},{"sentences":[{"text":"Oh, perfect.","start":778.385,"end":779.04504,"sentiment":"neutral","sentiment_score":0.2938496842980385},{"text":"And do you know how to pull different reports and stuff like that as well?","start":779.10504,"end":782.405,"sentiment":"neutral","sentiment_score":0.02256250809878111},{"text":"No.","start":785.16003,"end":785.56,"sentiment":"neutral","sentiment_score":-0.14048342406749725},{"text":"Okay.","start":785.56,"end":786.04004,"sentiment":"neutral","sentiment_score":-0.0626240149140358},{"text":"I'm on your account right now, so I'll see if I can because my view might look a bit different.","start":786.04004,"end":791.66003,"sentiment":"neutral","sentiment_score":-0.0018775069154798984}],"sentiment":"neutral","sentiment_score":0.017576395199658014,"num_words":39,"start":778.385,"end":791.66003},{"sentences":[{"text":"Do you have, like, a top where it says, like, generate, like, reports and statements?","start":792.60004,"end":796.86005,"sentiment":"neutral","sentiment_score":0.020262334744135538},{"text":"Let me see.","start":801.525,"end":802.665,"sentiment":"neutral","sentiment_score":0.011416478082537651},{"text":"Yep.","start":806.405,"end":806.905,"sentiment":"neutral","sentiment_score":0.05732569098472595},{"text":"Okay.","start":810.38995,"end":810.79,"sentiment":"neutral","sentiment_score":0.07642610371112823},{"text":"Let me see here.","start":810.79,"end":812.01,"sentiment":"neutral","sentiment_score":0.08733638748526573}],"sentiment":"neutral","sentiment_score":0.03422007500194013,"num_words":24,"start":792.60004,"end":812.01},{"sentences":[{"text":"Because I have one section which should be it just could a little bit different for you where it literally says reports and statements.","start":813.02997,"end":818.41,"sentiment":"neutral","sentiment_score":0.09880514924104015},{"text":"And from that, you can easily generate different reports.","start":819.82996,"end":823.85,"sentiment":"neutral","sentiment_score":0.16907722254594168},{"text":"And you'll have, like, statements.","start":826.79504,"end":828.575,"sentiment":"neutral","sentiment_score":0.10119594484567643},{"text":"The one that we typically look at is your asset performance, and that is because that gives us after fees return and information, which is what we like to look at because, obviously, you wanna kind of show net of everything.","start":829.195,"end":844.12,"sentiment":"neutral","sentiment_score":0.07137826330414633},{"text":"So that is the asset performance.","start":845.45996,"end":846.92,"sentiment":"neutral","sentiment_score":0.04857071861624718}],"sentiment":"neutral","sentiment_score":0.08961095783640356,"num_words":85,"start":813.02997,"end":846.92},{"sentences":[{"text":"If you can't oh, yes.","start":848.18,"end":851.07996,"sentiment":"neutral","sentiment_score":-0.030072083696722984},{"text":"Can you see that?","start":851.425,"end":856.625,"sentiment":"neutral","sentiment_score":0.023333017714321613},{"text":"Yes.","start":856.625,"end":857.10504,"sentiment":"neutral","sentiment_score":0.03725001960992813},{"text":"It yep.","start":857.10504,"end":858.325,"sentiment":"neutral","sentiment_score":0.03983970917761326},{"text":"Yes.","start":858.945,"end":859.445,"sentiment":"neutral","sentiment_score":0.10566660761833192}],"sentiment":"neutral","sentiment_score":0.012735976765935238,"num_words":13,"start":848.18,"end":859.445},{"sentences":[{"text":"Perfect.","start":860.385,"end":860.885,"sentiment":"positive","sentiment_score":0.5521490573883057},{"text":"So there should be a way there that you can actually pull a report.","start":861.10504,"end":863.825,"sentiment":"positive","sentiment_score":0.4055832326412201},{"text":"But if not, if it doesn't give you a full overview, you can always just email me if you want me to send you, like, a times, like, time snippet of different time frames.","start":863.825,"end":872.32,"sentiment":"neutral","sentiment_score":0.25009210188599196},{"text":"Would you like me to send you this twelve month report or what you have at the moment in front of you you're happy with?","start":873.18005,"end":878.80005,"sentiment":"positive","sentiment_score":0.35249071061611176},{"text":"Yeah?","start":879.835,"end":880.23505,"sentiment":"neutral","sentiment_score":0.17453633248806}],"sentiment":"neutral","sentiment_score":0.3162699983517329,"num_words":75,"start":860.385,"end":880.23505},{"sentences":[{"text":"Okay.","start":880.23505,"end":880.635,"sentiment":"positive","sentiment_score":0.33508187532424927},{"text":"Perfect.","start":880.635,"end":881.135,"sentiment":"positive","sentiment_score":0.5846271514892578},{"text":"I will email this through you, and it will show you the 12 account of what I went over.","start":881.59503,"end":885.115,"sentiment":"positive","sentiment_score":0.494862614493621},{"text":"It shows you the different investment.","start":885.115,"end":886.395,"sentiment":"positive","sentiment_score":0.39758338034152985},{"text":"It shows you the returns as well, and you can also see that the the Ben along was the biggest contributor.","start":886.395,"end":893.04004,"sentiment":"neutral","sentiment_score":0.3328903317451477}],"sentiment":"positive","sentiment_score":0.41038116564353305,"num_words":48,"start":880.23505,"end":893.04004},{"sentences":[{"text":"You can see all of the different investments.","start":893.04004,"end":894.9,"sentiment":"neutral","sentiment_score":0.3311026357114315},{"text":"So I will actually email that to you.","start":895.36005,"end":897.84,"sentiment":"neutral","sentiment_score":0.31197116570547223},{"text":"If you do want any other reports or anything like that, you can always just send me an email back.","start":897.84,"end":902.5,"sentiment":"neutral","sentiment_score":0.10673474185168744},{"text":"Otherwise, we do have your it is a couple of months away, but we have your annual review coming up in October, otherwise.","start":903.84,"end":910.975,"sentiment":"neutral","sentiment_score":0.11819098501101784},{"text":"So would you be happy to wait through about then to do your annual review, or would you like to, like, bring it forward a couple of months to do a little more kind of in-depth and see how everything is going?","start":913.915,"end":923.28,"sentiment":"positive","sentiment_score":0.3509636936443193}],"sentiment":"neutral","sentiment_score":0.244932208283998,"num_words":101,"start":893.04004,"end":923.28},{"sentences":[{"text":"Yeah.","start":926.22003,"end":926.72003,"sentiment":"neutral","sentiment_score":0.09503423422574996},{"text":"Like, around June, a bit earlier, because you also wanna give it a bit of time, obviously, with investments.","start":927.10004,"end":933.44,"sentiment":"neutral","sentiment_score":0.15384896099567413},{"text":"Around June?","start":935.535,"end":936.175,"sentiment":"neutral","sentiment_score":0.18180061876773834},{"text":"Alright.","start":936.175,"end":936.57495,"sentiment":"positive","sentiment_score":0.4424571394920349},{"text":"Perfect.","start":936.57495,"end":937.055,"sentiment":"positive","sentiment_score":0.6058212518692017}],"sentiment":"neutral","sentiment_score":0.184585171751678,"num_words":24,"start":926.22003,"end":937.055},{"sentences":[{"text":"I'll make a little note here for the team to reach out in around June, and we can kind of book in that annual review.","start":937.055,"end":944.19495,"sentiment":"positive","sentiment_score":0.40382799625396726},{"text":"And aside from that as well, do you prefer a bit more frequent contact?","start":945.13495,"end":948.915,"sentiment":"neutral","sentiment_score":0.13693597593477794},{"text":"Because we can do so there's kind of different, I guess, updates.","start":948.975,"end":954.84,"sentiment":"neutral","sentiment_score":0.18871894354621568},{"text":"So, obviously, if you have any questions or concern at any point in time, you can always call and email us, and we can book in for a for a catch up.","start":954.84,"end":961.48,"sentiment":"neutral","sentiment_score":0.24794763303361833},{"text":"But we can also kind of set otherwise catch up frequency.","start":961.48,"end":964.77997,"sentiment":"neutral","sentiment_score":0.1836782693862915}],"sentiment":"neutral","sentiment_score":0.257789533109741,"num_words":94,"start":937.055,"end":964.77997},{"sentences":[{"text":"So at the moment, we just have it annually for you.","start":965.385,"end":968.04504,"sentiment":"neutral","sentiment_score":0.2178582034327767},{"text":"But we if you would like, biannually or quarterly, I can set it that we contact you a bit more frequent even if it's just, like, a a little bit of a quicker catch up to see where things are at for you.","start":968.265,"end":979.565,"sentiment":"neutral","sentiment_score":0.23852016343626864},{"text":"Annually?","start":981.97003,"end":982.47003,"sentiment":"neutral","sentiment_score":0.17297431826591492},{"text":"Yeah.","start":982.53,"end":983.03,"sentiment":"neutral","sentiment_score":0.12454457581043243},{"text":"Okay.","start":984.05,"end":984.55,"sentiment":"neutral","sentiment_score":0.1282462179660797}],"sentiment":"neutral","sentiment_score":0.22944863820285127,"num_words":57,"start":965.385,"end":984.55},{"sentences":[{"text":"If anything changes already because that you can always just call and email whenever, and we can always set that up.","start":984.69,"end":989.75,"sentiment":"neutral","sentiment_score":0.1468592215152014},{"text":"But, otherwise, I'll make a little note for the team to contact you around June through book your info, your annual review.","start":990.13,"end":996.315,"sentiment":"neutral","sentiment_score":0.272956210103902},{"text":"I will email you that as a performance detail.","start":996.77496,"end":999.915,"sentiment":"neutral","sentiment_score":0.2847411268287235},{"text":"And the other thing is it looks like the ID we have on file has expired for you.","start":1001.575,"end":1006.5,"sentiment":"neutral","sentiment_score":-0.08416183375649983},{"text":"Did you receive a new license a little while ago?","start":1007.06,"end":1011.16,"sentiment":"neutral","sentiment_score":-0.0507856223732233}],"sentiment":"neutral","sentiment_score":0.12036226480267942,"num_words":80,"start":984.69,"end":1011.16},{"sentences":[{"text":"Yes.","start":1014.74,"end":1015.24,"sentiment":"neutral","sentiment_score":0.0033097602427005768},{"text":"Have you got a new one or not yet?","start":1021.555,"end":1023.815,"sentiment":"neutral","sentiment_score":-0.04717967948979802},{"text":"Okay.","start":1026.435,"end":1026.935,"sentiment":"neutral","sentiment_score":0.0025622136890888214},{"text":"That's okay.","start":1030.1951,"end":1031.015,"sentiment":"neutral","sentiment_score":0.13855330646038055},{"text":"Yeah.","start":1033.12,"end":1033.62,"sentiment":"neutral","sentiment_score":0.06424234062433243}],"sentiment":"neutral","sentiment_score":-0.0055282991379499435,"num_words":14,"start":1014.74,"end":1033.62},{"sentences":[{"text":"When you get it, if you could respond to my email for me with just a photo of the front and the back of your license, that will be great.","start":1033.68,"end":1043.76,"sentiment":"neutral","sentiment_score":0.17563949252168337},{"text":"So then I can just kinda update that on file for you as well.","start":1043.76,"end":1046.715,"sentiment":"positive","sentiment_score":0.44319778042180197},{"text":"Yep.","start":1047.835,"end":1048.335,"sentiment":"neutral","sentiment_score":0.15287141501903534},{"text":"Perfect.","start":1048.475,"end":1048.975,"sentiment":"positive","sentiment_score":0.36185890436172485},{"text":"Now there is one last thing here.","start":1049.9149,"end":1051.515,"sentiment":"neutral","sentiment_score":0.060925543042165894}],"sentiment":"neutral","sentiment_score":0.23424835513644623,"num_words":53,"start":1033.68,"end":1051.515},{"sentences":[{"text":"It says that it's outstanding, which is just your beneficiary details for do you have those at full at home?","start":1051.515,"end":1061.195,"sentiment":"neutral","sentiment_score":0.008021926367655396},{"text":"Would you like us to resend them?","start":1061.195,"end":1063.22,"sentiment":"neutral","sentiment_score":-0.010643527976104192},{"text":"Yeah.","start":1065.84,"end":1066.16,"sentiment":"neutral","sentiment_score":0.020483821630477905},{"text":"Of course.","start":1066.16,"end":1066.82,"sentiment":"neutral","sentiment_score":0.02486190479248762},{"text":"Do you have access to a printer, or do you prefer post?","start":1067.28,"end":1070.02,"sentiment":"neutral","sentiment_score":0.006193286506459117}],"sentiment":"neutral","sentiment_score":0.005487164305079551,"num_words":42,"start":1051.515,"end":1070.02},{"sentences":[{"text":"Yeah?","start":1072.16,"end":1072.5599,"sentiment":"neutral","sentiment_score":0.0037494366988539696},{"text":"Are you happy for us to email it?","start":1072.5599,"end":1074.645,"sentiment":"neutral","sentiment_score":0.09942709328606725},{"text":"It just has to be printed and web signs because you are making a legal 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time?","start":1082.085,"end":1093.0,"sentiment":"neutral","sentiment_score":-0.024216969397717288},{"text":"Yeah.","start":1094.5,"end":1094.82,"sentiment":"neutral","sentiment_score":0.04978238791227341},{"text":"Okay.","start":1094.82,"end":1095.14,"sentiment":"neutral","sentiment_score":0.12473566830158234},{"text":"Perfect.","start":1095.14,"end":1095.5399,"sentiment":"neutral","sentiment_score":0.2456115484237671},{"text":"If you do, though, you could either just send me an email or ask what it means.","start":1095.5399,"end":1099.38,"sentiment":"neutral","sentiment_score":0.1450289628084968}],"sentiment":"neutral","sentiment_score":0.03705505533567206,"num_words":55,"start":1082.085,"end":1099.38},{"sentences":[{"text":"I'll get the team to include a cover letter for you as well.","start":1099.38,"end":1102.125,"sentiment":"neutral","sentiment_score":0.20883166446135595},{"text":"Just to try to explain the different options and nominations that you can make.","start":1102.125,"end":1106.465,"sentiment":"neutral","sentiment_score":0.16767543234995433},{"text":"Yep.","start":1107.645,"end":1108.045,"sentiment":"neutral","sentiment_score":0.13346974551677704},{"text":"Perfect.","start":1108.045,"end":1108.545,"sentiment":"neutral","sentiment_score":0.2546572685241699},{"text":"Was there any other questions or any other concern, Tyler, that you have while you got me on the phone?","start":1108.845,"end":1114.465,"sentiment":"neutral","sentiment_score":0.10212133694440126}],"sentiment":"neutral","sentiment_score":0.15291472334338693,"num_words":49,"start":1099.38,"end":1114.465},{"sentences":[{"text":"No?","start":1116.54,"end":1117.04,"sentiment":"neutral","sentiment_score":-0.04061141610145569},{"text":"Yeah.","start":1118.14,"end":1118.54,"sentiment":"neutral","sentiment_score":0.0742073729634285},{"text":"Okay.","start":1118.54,"end":1119.04,"sentiment":"neutral","sentiment_score":0.17213626205921173},{"text":"Perfect.","start":1119.1,"end":1119.6,"sentiment":"neutral","sentiment_score":0.29520344734191895},{"text":"Like I said, otherwise, the team will reach out in around June to book you in for that interview.","start":1120.22,"end":1124.86,"sentiment":"neutral","sentiment_score":0.21397152699922262}],"sentiment":"neutral","sentiment_score":0.1985388990977536,"num_words":23,"start":1116.54,"end":1124.86},{"sentences":[{"text":"But if you feel like you wanna bring it forward, you can, again, just give us a call or respond to my email as well.","start":1124.86,"end":1131.465,"sentiment":"neutral","sentiment_score":0.16151424944400788},{"text":"Yep.","start":1132.565,"end":1133.0449,"sentiment":"neutral","sentiment_score":0.16125892102718353},{"text":"Perfect.","start":1133.0449,"end":1133.5249,"sentiment":"neutral","sentiment_score":0.2227514237165451},{"text":"Well, thank you so much for your time this afternoon.","start":1133.5249,"end":1135.9249,"sentiment":"positive","sentiment_score":0.8171800434589386},{"text":"And, yeah, if you need anything else, don't hesitate to give me a call.","start":1135.9249,"end":1139.1329,"sentiment":"neutral","sentiment_score":0.2577476373740605}],"sentiment":"neutral","sentiment_score":0.3176889007582384,"num_words":51,"start":1124.86,"end":1139.1329},{"sentences":[{"text":"No problem at all.","start":1142.3329,"end":1143.1329,"sentiment":"positive","sentiment_score":0.5058383420109749},{"text":"We'll speak soon.","start":1143.1329,"end":1144.193,"sentiment":"positive","sentiment_score":0.38653992613156635},{"text":"Bye.","start":1145.773,"end":1146.273,"sentiment":"neutral","sentiment_score":-0.11792834103107452}],"sentiment":"positive","sentiment_score":0.3831306006759405,"num_words":8,"start":1142.3329,"end":1146.273}]}}]},{"alternatives":[{"transcript":"Tom, I'm thinking. Good. Yourself? Yeah. Yeah. Yeah. Not a problem at all. Yeah. Yeah. Yeah. Tyler Kane Mitchell. Seventeenth nineteen 93. One Kathleen Street, Roadhouse Lane, 4301. Yeah. Pretty busy. I have my two jobs, so it's Yep. I actually made an inquiry online before that email, actually. So it was just a bit of a yeah. Yeah. It was yeah. It was it was on timing. Yeah. Just just to see just basically a review of the performance of the funds. I I suppose over the last probably six months, there hasn't been too much positives from the fund. Now obviously, I've got two jobs, so I do put a fair bit of money into it. But, yeah, obviously, just at the moment, I'm not really seeing any any progress release. Yeah. Yes. Yeah. Yep. Yeah. Yep. Might do. It just says to have a little progress, really. Yeah. Not not very far into it. Yep. Yep. Yes. Yeah. Yep. Yep. Yep. No. I don't. Yep. Yep. Yeah. Yep. Yeah. Yes. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Okay. Yep. Yep. Yeah. Yeah. Yeah. Sure. Yep. Yeah. Yep. Yeah. Yeah. Yep. Yep. No. I've looked at the moment. It's it's yeah. As long as you're confident. Yeah. Yeah. Just kinda just just also like a little inquiry. Yeah. Getting transparency as to where everything's at. And yeah. Yeah. I've got it open at the moment. Yep. Not necessarily. No. Account, assets, insurance. Or if I go down and press on my personal super, it brings up where the investments are. Yeah. Yeah. Yeah. Yeah. So I'm in I'm in assets now. So I've got, yeah, cash account, Netwealth, Global X, physical gold structured, better log, better shares. Yep. Yeah. Yeah. Sure. Yep. Yep. Yes. Yeah. I think we're in for a couple of months till we can. Yep. Yeah. So I think June will be fine. Yeah. Yeah. I think annual is pretty good at the moment. Yeah. Yeah. Yeah. Yep. Yep. A new driver's license. I think my license ran out three days ago, I think. So not in the mail yet. I've got I've got a document number or the the receipt for it. But yeah. Yep. Yeah. Definitely. Yep. No worries. Yeah. Yep. Yep. Can you resend them, please? Yeah. No. I do have a printer. Yep. Yeah. Yeah. Yeah. That's yep. No. It should should've be fine. Yeah. I think it's all covered just normal. Yeah. Yep. No worries. Yeah. Awesome. Thank you very much. I appreciate it. Yeah. Thank you. 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I'm thinking. Good. Yourself? Yeah. Yeah.\n\nYeah. Not a problem at all. Yeah. Yeah. Yeah.\n\nTyler Kane Mitchell. Seventeenth nineteen 93. One Kathleen Street, Roadhouse Lane, 4301. Yeah. Pretty busy.\n\nI have my two jobs, so it's Yep. I actually made an inquiry online before that email, actually. So it was just a bit of a yeah. Yeah. It was yeah.\n\nIt was it was on timing. Yeah. Just just to see just basically a review of the performance of the funds. I I suppose over the last probably six months, there hasn't been too much positives from the fund. Now obviously, I've got two jobs, so I do put a fair bit of money into it.\n\nBut, yeah, obviously, just at the moment, I'm not really seeing any any progress release. Yeah. Yes. Yeah. Yep.\n\nYeah. Yep. Might do. It just says to have a little progress, really. Yeah.\n\nNot not very far into it. Yep. Yep. Yes. Yeah.\n\nYep. Yep. Yep. No. I don't.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nYes. Yep. Yep. Yeah. Yep.\n\nYep. Yeah. Yep. Okay. Yep.\n\nYep. Yeah. Yeah. Yeah. Sure.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYep. Yep. No. I've looked at the moment. It's it's yeah.\n\nAs long as you're confident. Yeah. Yeah. Just kinda just just also like a little inquiry. Yeah.\n\nGetting transparency as to where everything's at. And yeah. Yeah. I've got it open at the moment. Yep.\n\nNot necessarily. No. Account, assets, insurance. Or if I go down and press on my personal super, it brings up where the investments are. Yeah.\n\nYeah. Yeah. Yeah. So I'm in I'm in assets now. So I've got, yeah, cash account, Netwealth, Global X, physical gold structured, better log, better shares.\n\nYep. Yeah. Yeah. Sure. Yep.\n\nYep. Yes. Yeah. I think we're in for a couple of months till we can. Yep.\n\nYeah. So I think June will be fine. Yeah. Yeah. I think annual is pretty good at the moment.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nA new driver's license. I think my license ran out three days ago, I think. So not in the mail yet. I've got I've got a document number or the the receipt for it. But yeah.\n\nYep. Yeah. Definitely. Yep. No worries.\n\nYeah. Yep. Yep. Can you resend them, please? Yeah.\n\nNo. I do have a printer. Yep. Yeah. Yeah.\n\nYeah. That's yep. No. It should should've be fine. Yeah.\n\nI think it's all covered just normal. Yeah. Yep. No worries. Yeah.\n\nAwesome. Thank you very much. I appreciate it. Yeah. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Tom, I'm thinking.","start":1.52,"end":3.78,"sentiment":"neutral","sentiment_score":0.01822655089199543},{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.3887811303138733},{"text":"Yourself?","start":7.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.29194504022598267},{"text":"Yeah.","start":14.799999,"end":15.2,"sentiment":"neutral","sentiment_score":0.06734847277402878},{"text":"Yeah.","start":15.2,"end":15.44,"sentiment":"neutral","sentiment_score":0.05593062937259674}],"sentiment":"neutral","sentiment_score":0.12266927505178112,"num_words":7,"start":1.52,"end":15.44},{"sentences":[{"text":"Yeah.","start":15.44,"end":15.94,"sentiment":"neutral","sentiment_score":0.05901140719652176},{"text":"Not a problem at 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looked at the moment.","start":754.67505,"end":755.635,"sentiment":"neutral","sentiment_score":-0.05633993297815323},{"text":"It's it's yeah.","start":755.635,"end":756.91504,"sentiment":"neutral","sentiment_score":0.07713995563487212}],"sentiment":"neutral","sentiment_score":0.029641819101842968,"num_words":11,"start":707.05005,"end":756.91504},{"sentences":[{"text":"As long as you're confident.","start":756.91504,"end":758.05505,"sentiment":"neutral","sentiment_score":0.14897345155477523},{"text":"Yeah.","start":759.79504,"end":760.29504,"sentiment":"neutral","sentiment_score":0.12364868074655531},{"text":"Yeah.","start":760.835,"end":761.075,"sentiment":"neutral","sentiment_score":0.12203938513994216},{"text":"Just kinda just just also like a little 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think we're in for a couple of months till we can.","start":923.785,"end":926.605,"sentiment":"neutral","sentiment_score":0.07735603613158067},{"text":"Yep.","start":927.225,"end":927.725,"sentiment":"neutral","sentiment_score":0.11853071302175522}],"sentiment":"neutral","sentiment_score":0.10145397065207362,"num_words":16,"start":888.5,"end":927.725},{"sentences":[{"text":"Yeah.","start":933.52,"end":933.76,"sentiment":"neutral","sentiment_score":0.1590138077735901},{"text":"So I think June will be fine.","start":933.76,"end":935.46,"sentiment":"neutral","sentiment_score":0.2418074756860733},{"text":"Yeah.","start":936.64,"end":937.14,"sentiment":"positive","sentiment_score":0.4264068603515625},{"text":"Yeah.","start":944.64,"end":945.14,"sentiment":"neutral","sentiment_score":0.16046199202537537},{"text":"I think annual is pretty good at the 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please?","start":1064.245,"end":1066.46,"sentiment":"neutral","sentiment_score":0.004869122337549925},{"text":"Yeah.","start":1067.24,"end":1067.74,"sentiment":"neutral","sentiment_score":0.019884470850229263}],"sentiment":"neutral","sentiment_score":0.007980851301302513,"num_words":9,"start":1056.5651,"end":1067.74},{"sentences":[{"text":"No.","start":1070.28,"end":1070.52,"sentiment":"neutral","sentiment_score":-0.04612326994538307},{"text":"I do have a 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worries.","start":1132.11,"end":1132.77,"sentiment":"neutral","sentiment_score":0.15132208913564682},{"text":"Yeah.","start":1139.665,"end":1139.905,"sentiment":"positive","sentiment_score":0.41039398312568665}],"sentiment":"neutral","sentiment_score":0.07174717646557838,"num_words":12,"start":1115.375,"end":1139.905},{"sentences":[{"text":"Awesome.","start":1139.905,"end":1140.225,"sentiment":"positive","sentiment_score":0.8149416446685791},{"text":"Thank you very much.","start":1140.225,"end":1141.265,"sentiment":"positive","sentiment_score":0.8532849252223969},{"text":"I appreciate it.","start":1141.265,"end":1142.3251,"sentiment":"positive","sentiment_score":0.8008322715759277},{"text":"Yeah.","start":1144.4651,"end":1144.785,"sentiment":"positive","sentiment_score":0.3519022464752197},{"text":"Thank you.","start":1144.785,"end":1145.425,"sentiment":"positive","sentiment_score":0.6298916339874268}],"sentiment":"positive","sentiment_score":0.7492966977032748,"num_words":11,"start":1139.905,"end":1145.425},{"sentences":[{"text":"Bye.","start":1145.425,"end":1145.925,"sentiment":"neutral","sentiment_score":0.3114897906780243}],"sentiment":"neutral","sentiment_score":0.3114897906780243,"num_words":1,"start":1145.425,"end":1145.925}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Tom, I'm thinking.\n\nChannel 0: Good afternoon, Tyler. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Yourself?\n\nChannel 0: I'm good. Thanks. I had you booked in for a bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yes. Yep. Perfect. And apologies. I am calling a couple of minutes late.\n\nMy previous appointment was just running a little bit overtime.\n\nChannel 1: Not a problem at all.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Tyler Kane Mitchell.\n\nChannel 0: Yep.\n\nChannel 1: Seventeenth nineteen 93. One\n\nChannel 0: Yep.\n\nChannel 1: Kathleen Street, Roadhouse Lane, 4301.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or kind of at the end of it now?\n\nChannel 1: Yeah. Pretty busy. I have my\n\nChannel 0: Yes.\n\nChannel 1: two jobs, so it's\n\nChannel 0: Okay. I can't imagine.\n\nChannel 1: Yep.\n\nChannel 0: But now I'll try not to keep you for too long, but, essentially, I can see here that you kind of contacted us after receiving the Benelong email with making the the change to your portfolio and wanted to talk about it in a little bit more detail. Is that right?\n\nChannel 1: I actually made an inquiry online before that email, actually. So it was\n\nChannel 0: Good\n\nChannel 1: just\n\nChannel 0: timing.\n\nChannel 1: a bit of a yeah. Yeah. It was yeah. It was it was on timing.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Just\n\nChannel 0: Mhmm.\n\nChannel 1: just to see\n\nChannel 0: Yep.\n\nChannel 1: just basically a review of the performance of the funds. I I suppose over the last probably six months, there hasn't been too much positives\n\nChannel 0: Yes.\n\nChannel 1: from the fund.\n\nChannel 0: Yep.\n\nChannel 1: Now obviously, I've got two jobs, so I do put a fair bit of money into it.\n\nChannel 0: Yes.\n\nChannel 1: But, yeah, obviously, just at the moment, I'm not really seeing any\n\nChannel 0: Yeah.\n\nChannel 1: any progress release.\n\nChannel 0: Yep. Yep. No. Definitely. And and very much so as well.\n\nIt's like we overall, we have you invested in our high growth portfolio as well.\n\nChannel 1: Yeah.\n\nChannel 0: Do you kind of remember, you know, what it means to be a high growth investor and\n\nChannel 1: Yes.\n\nChannel 0: how\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Okay. So, typically, obviously, in a high growth portfolio, the goal is to obviously maximize growth as much as you can over the long term.\n\nChannel 1: Yep.\n\nChannel 0: Short term, because you are investing more for growth assets, you can see more fluctuations, especially when, obviously, the share market and the world is a bit more turbulent, you can see more fluctuations. Now,\n\nChannel 1: Yeah.\n\nChannel 0: typically, as well, what we see is that in a typical high growth portfolio, the likelihood of a negative return is about one in every five years. Again, it depends as well on what is going on in the world, and the last the last twelve months really has obviously seen a lot of fluctuations in in the the world and in the market. Obviously, everything going on in The US and Trump and tariffs, been a lot of fluctuations. And, obviously, more recently with everything in The Middle East and stuff, there are obviously fluctuations. So it is quite expected with what's going on in the market, and then we're also seeing a lot of cyclical trends in different areas.\n\nObviously, AI technology are seeing a bit of change through certain investments and stuff like that as well.\n\nChannel 1: Yep.\n\nChannel 0: Overall, the way that your portfolio is constructed is using that core satellite approach to investments where you do have the majority of your investments in your core investments. Now for example, one are you quite across, like, your portfolio? Do you go into your network accounts pretty often?\n\nChannel 1: Might do. It just says to have a little progress, really.\n\nChannel 0: Yep. And\n\nChannel 1: Yeah.\n\nChannel 0: are\n\nChannel 1: Not\n\nChannel 0: you quite\n\nChannel 1: not very far into it.\n\nChannel 0: no. Okay. So, like, for example, one one of your biggest shareholding is iShares S and P five hundred.\n\nChannel 1: Yep.\n\nChannel 0: Now I've just pulled a report for showing the portfolio for the last twelve months, which I'm happy to email that to you if you would like. It just show you the different investments. It kind of breaks it down in a twelve month period\n\nChannel 1: Yep.\n\nChannel 0: after fees. So it is kind of good to see as well. Now, typically, we do look more long term, obviously, with your superannuation because it is that long term investment, but it is good to do your twelve month just to see, okay, what's actually happened. A bit more short term, do we need to make any changes to anything depending\n\nChannel 1: Yes.\n\nChannel 0: on what's going on?\n\nChannel 1: Yeah.\n\nChannel 0: So for example, one one, like I said, the ISHIA's S and P 500, after fees, that's still gone up by 8.17%, which is still pretty good, and that investment is investing in the 500 largest companies listed in The US.\n\nChannel 1: Yep.\n\nChannel 0: So even though there's been, you know, fluctuations in The US, it's still done pretty good. So\n\nChannel 1: Yep.\n\nChannel 0: most of your investments are in your ETF structure. Do you\n\nChannel 1: Yep.\n\nChannel 0: know what that means?\n\nChannel 1: No. I\n\nChannel 0: No. So you have different type of investments. So also implicit\n\nChannel 1: don't.\n\nChannel 0: is, let's say, if you want to invest in the BHP, that would be a direct check. You invest directly into one particular company. You don't have any direct check-in your portfolio because it can obviously be a lot riskier because you put everything into one option.\n\nChannel 1: Yep.\n\nChannel 0: Now ETF, which in is an exchange traded fund, which is most of your investment in your portfolio,\n\nChannel 1: Yep.\n\nChannel 0: the way that they work is that they are designed to track an index. So let's say, for example, that you want to invest in the oil industry, not one particular company. This is where your ETFs come in really handy because you just track an index. So like that iShares S and P 500, like I said, it just follows the 500 largest company. So as a\n\nChannel 1: Yeah.\n\nChannel 0: company gets smaller, it falls out. As another one gets bigger, it comes back in. So you don't need as much of that kind of active proportion to it because it just kind of tracks the biggest company. Now you have kind of different different ETFs in your portfolio. So some have done better than others.\n\nNow in, again, using the twelve month period, you have iShares Europe. So, again, invest in companies in Europe. You have Japan. That one has done 11.69% the last twelve months, which is really good. And then you also have an iShares MISTI, and that's just kind of investing in companies around the globe.\n\nSo not kind of you wanna make sure that with your different direct shares in investments, it's also diversified along the globe. So you don't wanna be everything in, like, The US market or the Australian market or Japan,\n\nChannel 1: Yep.\n\nChannel 0: for example. You wanna have a little bit of everything.\n\nChannel 1: Yeah.\n\nChannel 0: Now that is most of your ETF. Now the one that has gone down the last twelve months, more so because of a cyclical trend, so we're not too worried about it, is your beta says global cybersecurity. So that one is an ETF, but it follows, you know, the largest cybersecurity company. So this space more recently have seen fluctuations. Now that investment is currently down 9.28% using a twelve month period.\n\nNot not too concerned over it long term because it is more of your cyclical investment. It's not structural changes that we kind of foresee that needs to make the change now anyway.\n\nChannel 1: Yes. Yep.\n\nChannel 0: The the biggest kind of contributor through the overall portfolio, which is why you kind of haven't seen as much growth even though some of those have gone through have done pretty okay, is your Benelon Australian equity. Now that is the one that we swapped out. So this one here is a managed fund. So this\n\nChannel 1: Yep.\n\nChannel 0: works differently through your ETF in that the purpose is through so you basically invest in this one is Benelon Australian Equity. So you invest in Australian companies. Now Benelon as a fund then chooses different companies that they believe in that goes into a portfolio, and you just invest in the portfolio. And then each\n\nChannel 1: Yeah.\n\nChannel 0: manager kind of have different criteria of how they construct and what they select. So the purpose of this investment and why it was added to your portfolio when you came on board was that it's done\n\nChannel 1: Yep.\n\nChannel 0: really, really well historically.\n\nChannel 1: Yep.\n\nChannel 0: And the function of it is to have a little bit more of the active management where they are trying to actively buy and sell different investments in order to try to outperform the market. Historically, they had done that. More recently, not so much, which is why\n\nChannel 1: Yeah.\n\nChannel 0: we've kind of gone into a bit more a deep dive into the investment. And also just looking at the fund manager as itself, they've been a little bit slow kind of in making changes, and some of their convictions haven't played out. But one of the other contributors to why it was kind of underperforming was that one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you've heard of it. It was on the news and stuff.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, they had a bit of issues with their reporting, which actually meant that they were suspended from trading. So because of that, obviously, everything dropped or fell down.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: overall, your Benelong Australian in the last twelve months, it was down 17%. 17\n\nChannel 1: Yep.\n\nChannel 0: point eight four. That is the biggest contributor to why the last twelve months hasn't performed as well as expected even though we've had, you know, a lot of fluctuation.\n\nChannel 1: Yeah.\n\nChannel 0: So we then decided to swap that one out for you for something that's going to do a little bit better. Now\n\nChannel 1: Yeah.\n\nChannel 0: because, obviously, the structure of the portfolio, we wanna make sure that we don't put you too much in one particular market or an industry. So what we looked at was swapping a table. If we're swapping out an Australian option, we wanna look at changing for another Australian option to give you some of the Australian equity exposure. But\n\nChannel 1: Yeah. Sure.\n\nChannel 0: what we did swap, we swapped for the a 200. So by doing so, it's not a managed fund. So it is reducing the fees because it's another ETF. So it is a bit of a lower cost through the investment, but it still gives you the Australian equity exposure. And it's\n\nChannel 1: Yep.\n\nChannel 0: essentially tracking the 200 largest companies in Australia. So it\n\nChannel 1: Yeah.\n\nChannel 0: is a little bit cheaper than the managed fund. Just kind of tracking that index, and it has done a little bit better return wise as well than Benelon. So we kind of made the decision of selling out of Benelon and swapping that for the a 200 to make sure that, you know, we do have you in the option that is going to be the best for you at all times, which isn't always going to be the same option because things do change all the time. So it is kind of good to do reviews all the time, not just, obviously, during the annual review process. But we kind of, you know, continuously review and research your portfolio as well.\n\nSo that's why we did make that change for you, which we foresee is going to be the biggest change. Because when I do look at all the investment options, that was the biggest contributor to why the portfolio hadn't performed as well, and you also had a pretty decent shareholding in it. So it was one of your actually, it was your largest one. So it\n\nChannel 1: Yep.\n\nChannel 0: was\n\nChannel 1: Yeah.\n\nChannel 0: your largest option and then closely followed by the S and P 500. And because that one was down, which is why it's seen the biggest\n\nChannel 1: Yeah.\n\nChannel 0: change.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Aside from that, we have you in a bit of gold as well. A little bit, gold have done really well\n\nChannel 1: Yep.\n\nChannel 0: recently. And the last twelve months, that one is actually up by 49%, which is crazy. So overall as a portfolio, the only kind of concern we had was your Benelung Australian equity, which we've just swapped out. Other than that, looking at your portfolio, there are kind of no issues or other concerns at this point anyway that we would like to change unless you have a specific request of what you want to do or if you wanna make any changes, because it's also up to, you know, if you do have personal preferences as well.\n\nChannel 1: No. I've looked at the moment. It's it's yeah. As long as you're confident. Yeah.\n\nYeah. Just kinda just just also like a little inquiry. Yeah. Getting transparency\n\nChannel 0: Yeah.\n\nChannel 1: as to where everything's at.\n\nChannel 0: Yes. Yes.\n\nChannel 1: And\n\nChannel 0: Def\n\nChannel 1: yeah.\n\nChannel 0: definitely. And when you do do you have access to your Netwealth account?\n\nChannel 1: Yeah. I've got it open at the moment.\n\nChannel 0: Oh, perfect. And do you know how\n\nChannel 1: Yep.\n\nChannel 0: to pull different reports and stuff like that as well?\n\nChannel 1: Not necessarily. No.\n\nChannel 0: No. Okay. I'm on your account right now, so I'll see if I can because my view might look a bit different. Do you have, like, a top where it says, like, generate, like, reports and statements?\n\nChannel 1: Account, assets, insurance.\n\nChannel 0: Let me\n\nChannel 1: Or\n\nChannel 0: see.\n\nChannel 1: if I go down and press on my personal super, it\n\nChannel 0: Yep.\n\nChannel 1: brings up where the investments are.\n\nChannel 0: Okay. Let me see here. Because I have one section which should be it just could a little bit different for you where it literally says reports and statements. And from that, you can easily generate different reports. And you'll have, like, statements.\n\nThe one that we\n\nChannel 1: Yeah.\n\nChannel 0: typically look at is your asset performance, and that is because that gives us after fees return and information,\n\nChannel 1: Yeah.\n\nChannel 0: which is what we like to look at because, obviously, you wanna kind of show net of everything.\n\nChannel 1: Yeah.\n\nChannel 0: So that is the asset performance.\n\nChannel 1: Yeah. So I'm\n\nChannel 0: If\n\nChannel 1: in\n\nChannel 0: you\n\nChannel 1: I'm\n\nChannel 0: can't\n\nChannel 1: in assets now.\n\nChannel 0: oh, yes. Can you see\n\nChannel 1: So I've got, yeah, cash account, Netwealth, Global X, physical gold structured,\n\nChannel 0: that? Yes.\n\nChannel 1: better log,\n\nChannel 0: It\n\nChannel 1: better\n\nChannel 0: yep.\n\nChannel 1: shares.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So there should be a way there that you can actually pull a report. But if not, if it doesn't give you a full overview, you can always just email me if you want me to send you, like, a times, like, time snippet of different time frames. Would you like me to send you this twelve month report or what you have at the moment in front of you you're happy\n\nChannel 1: Yeah.\n\nChannel 0: with?\n\nChannel 1: Yeah. Sure. Yep.\n\nChannel 0: Yeah? Okay. Perfect. I will email this through you, and it will show you the 12 account of what I went over. It shows you the different investment.\n\nIt shows you the returns as well, and you\n\nChannel 1: Yep.\n\nChannel 0: can also see that the the Ben along was the biggest contributor. You can see all of the different investments. So I will actually email that to you. If you do want any other reports or anything like that, you can always just send me an email back.\n\nChannel 1: Yes.\n\nChannel 0: Otherwise, we do have your it is a couple of months away, but we have your annual review coming up in October, otherwise. So would you be happy to wait through about then to do your annual review, or would you like to, like, bring it forward a couple of months to do a little more kind of in-depth and see how everything is going?\n\nChannel 1: Yeah. I think we're in for a couple of months till we can.\n\nChannel 0: Yeah. Like,\n\nChannel 1: Yep.\n\nChannel 0: around June, a bit earlier, because you also wanna give it a bit of time, obviously, with investments.\n\nChannel 1: Yeah. So I think June will be fine.\n\nChannel 0: Around June? Alright. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I'll make a little note here for the team to reach out in around June, and we can kind of book in that annual review.\n\nChannel 1: Yeah.\n\nChannel 0: And aside from that as well, do you prefer a bit more frequent contact? Because we can do so there's kind of different, I guess, updates. So, obviously, if you have any questions or concern at any point in time, you can always call and email us, and we can book in for a for a catch up. But we can also kind of set otherwise catch up frequency. So at the moment, we just have it annually for you.\n\nBut we if you would like, biannually or quarterly, I can set it that we contact you a bit more frequent even if it's just, like, a a little bit of a quicker catch up to see where things are at for you.\n\nChannel 1: I think annual is pretty good at the moment.\n\nChannel 0: Annually? Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. If anything changes already because that you can always just call and email whenever,\n\nChannel 1: Yeah.\n\nChannel 0: and we can always\n\nChannel 1: Yep.\n\nChannel 0: set that up. But, otherwise, I'll make a little note for the team to contact you around June through book your info, your annual review. I will email you that as a performance detail.\n\nChannel 1: Yep.\n\nChannel 0: And the other thing is it looks like the ID we have on file has expired for you. Did you receive a new license a little while ago?\n\nChannel 1: A new driver's license.\n\nChannel 0: Yes.\n\nChannel 1: I think my license ran out three days ago, I think. So\n\nChannel 0: Have you got a new one or not yet?\n\nChannel 1: not in the mail yet. I've\n\nChannel 0: Okay.\n\nChannel 1: got I've got a document number\n\nChannel 0: That's\n\nChannel 1: or\n\nChannel 0: okay.\n\nChannel 1: the the receipt for it. But yeah.\n\nChannel 0: Yeah. When you get it, if you could respond to my email for me\n\nChannel 1: Yep.\n\nChannel 0: with just a photo of the front and the back of your license,\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: that will be great. So then I can just kinda update that on file for you as well.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now there is one last thing here. It says that it's outstanding, which is just your beneficiary details\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yep.\n\nChannel 0: do\n\nChannel 1: Yep.\n\nChannel 0: you have those at full at home? Would you like us to resend them?\n\nChannel 1: Can you resend them,\n\nChannel 0: Yeah.\n\nChannel 1: please?\n\nChannel 0: Of course.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have access to a printer, or do you prefer post?\n\nChannel 1: No. I do have a printer.\n\nChannel 0: Yeah?\n\nChannel 1: Yep.\n\nChannel 0: Are you happy for us to email it? It just has to be printed and web signs because you are making a legal nomination.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: That's\n\nChannel 0: Okay. Pat, do you have any questions in regards to how to complete it or who to nominate, and do your channel cannot nominate or anything like that, or is it just a matter of\n\nChannel 1: yep.\n\nChannel 0: time?\n\nChannel 1: No. It should should've be fine.\n\nChannel 0: Yeah. Okay. Perfect. If you do, though, you could either just send me an email or ask what it means. I'll get the team to include a cover letter for you as well.\n\nJust to try to explain the different options and nominations that you can make.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Was there any other questions or any other concern, Tyler, that you have while you got me on the phone?\n\nChannel 1: I think it's all covered\n\nChannel 0: No?\n\nChannel 1: just normal. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Like I said, otherwise, the team will reach out in around June to book you in for that interview. But if you feel like you wanna bring it forward, you can, again, just give us a call or respond to my email as well.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Well, thank you so much for your time this afternoon. And, yeah, if you need anything else, don't hesitate to give me a call.\n\nChannel 1: Yeah. Awesome. Thank you very much. I appreciate it.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Yeah. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Tom, I'm thinking.","start":1.52,"end":3.78,"sentiment":"neutral","sentiment_score":0.01822655089199543}],"sentiment":"neutral","sentiment_score":0.01822655089199543,"channel":1,"num_words":3,"start":1.52,"end":3.78},{"sentences":[{"text":"Good afternoon, Tyler.","start":3.6,"end":4.56,"sentiment":"neutral","sentiment_score":0.30749772985776264},{"text":"This is Veronica from Oakview Financial.","start":4.56,"end":6.5,"sentiment":"neutral","sentiment_score":0.26634393135706586},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1907522032658259}],"sentiment":"neutral","sentiment_score":0.25773444895943004,"channel":0,"num_words":12,"start":3.6,"end":7.3799996},{"sentences":[{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.3887811303138733},{"text":"Yourself?","start":7.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.29194504022598267}],"sentiment":"positive","sentiment_score":0.340363085269928,"channel":1,"num_words":2,"start":7.52,"end":8.26},{"sentences":[{"text":"I'm good.","start":8.96,"end":9.599999,"sentiment":"positive","sentiment_score":0.5400769710540771},{"text":"Thanks.","start":9.599999,"end":10.099999,"sentiment":"positive","sentiment_score":0.6062179803848267},{"text":"I had you booked in for a bit of a catch up.","start":10.88,"end":12.88,"sentiment":"neutral","sentiment_score":0.27245712156097096},{"text":"Is now still a good time for you?","start":12.88,"end":14.58,"sentiment":"neutral","sentiment_score":0.2755241207778454}],"sentiment":"neutral","sentiment_score":0.31130653684553894,"channel":0,"num_words":23,"start":8.96,"end":14.58},{"sentences":[{"text":"Yeah.","start":14.799999,"end":15.2,"sentiment":"neutral","sentiment_score":0.06734847277402878},{"text":"Yeah.","start":15.2,"end":15.44,"sentiment":"neutral","sentiment_score":0.05593062937259674},{"text":"Yeah.","start":15.44,"end":15.94,"sentiment":"neutral","sentiment_score":0.05901140719652176}],"sentiment":"neutral","sentiment_score":0.060763503114382424,"channel":1,"num_words":3,"start":14.799999,"end":15.94},{"sentences":[{"text":"Yes.","start":15.775,"end":16.175,"sentiment":"neutral","sentiment_score":0.07261225581169128},{"text":"Yep.","start":16.175,"end":16.494999,"sentiment":"neutral","sentiment_score":0.10893338918685912},{"text":"Perfect.","start":16.494999,"end":16.814999,"sentiment":"neutral","sentiment_score":0.2623821794986725},{"text":"And apologies.","start":16.814999,"end":17.535,"sentiment":"neutral","sentiment_score":-0.015210336074233055},{"text":"I am calling a couple of minutes late.","start":17.535,"end":19.375,"sentiment":"neutral","sentiment_score":-0.06753961648792028}],"sentiment":"neutral","sentiment_score":-0.009754598427277345,"channel":0,"num_words":13,"start":15.775,"end":19.375},{"sentences":[{"text":"My previous appointment was just running a little bit overtime.","start":19.375,"end":21.795,"sentiment":"neutral","sentiment_score":-0.08052945993840695}],"sentiment":"neutral","sentiment_score":-0.08052945993840695,"channel":0,"num_words":10,"start":19.375,"end":21.795},{"sentences":[{"text":"Not a problem at all.","start":22.935001,"end":24.405,"sentiment":"neutral","sentiment_score":0.11714197024703026}],"sentiment":"neutral","sentiment_score":0.11714197024703026,"channel":1,"num_words":5,"start":22.935001,"end":24.405},{"sentences":[{"text":"Perfect.","start":24.654999,"end":25.154999,"sentiment":"neutral","sentiment_score":0.32358768582344055},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.","start":25.935,"end":33.45,"sentiment":"neutral","sentiment_score":0.03705708994980781}],"sentiment":"neutral","sentiment_score":0.046011171070858836,"channel":0,"num_words":32,"start":24.654999,"end":33.45},{"sentences":[{"text":"Yeah.","start":33.510002,"end":33.83,"sentiment":"neutral","sentiment_score":0.04271778091788292},{"text":"Yeah.","start":33.83,"end":34.15,"sentiment":"neutral","sentiment_score":0.04658883064985275},{"text":"Yeah.","start":34.15,"end":34.65,"sentiment":"neutral","sentiment_score":0.06293421983718872}],"sentiment":"neutral","sentiment_score":0.050746943801641464,"channel":1,"num_words":3,"start":33.510002,"end":34.65},{"sentences":[{"text":"Yep.","start":34.469997,"end":34.969997,"sentiment":"neutral","sentiment_score":0.11888909339904784},{"text":"Perfect.","start":35.19,"end":35.67,"sentiment":"neutral","sentiment_score":0.25175634026527405},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":35.67,"end":43.53,"sentiment":"neutral","sentiment_score":0.08363525125269707}],"sentiment":"neutral","sentiment_score":0.0908986416512302,"channel":0,"num_words":28,"start":34.469997,"end":43.53},{"sentences":[{"text":"Tyler Kane Mitchell.","start":44.245003,"end":45.625,"sentiment":"neutral","sentiment_score":0.016616908212502796}],"sentiment":"neutral","sentiment_score":0.016616908212502796,"channel":1,"num_words":3,"start":44.245003,"end":45.625},{"sentences":[{"text":"Yep.","start":46.375,"end":46.875,"sentiment":"neutral","sentiment_score":0.01705133356153965}],"sentiment":"neutral","sentiment_score":0.01705133356153965,"channel":0,"num_words":1,"start":46.375,"end":46.875},{"sentences":[{"text":"Seventeenth nineteen 93.","start":46.405003,"end":48.165,"sentiment":"neutral","sentiment_score":0.020834350337584812},{"text":"One","start":48.405003,"end":48.725002,"sentiment":"neutral","sentiment_score":0.013720910996198654}],"sentiment":"neutral","sentiment_score":0.019055990502238274,"channel":1,"num_words":4,"start":46.405003,"end":48.725002},{"sentences":[{"text":"Yep.","start":48.614998,"end":49.114998,"sentiment":"neutral","sentiment_score":0.02115228585898876}],"sentiment":"neutral","sentiment_score":0.02115228585898876,"channel":0,"num_words":1,"start":48.614998,"end":49.114998},{"sentences":[{"text":"Kathleen Street, Roadhouse Lane, 4301.","start":48.725002,"end":51.385002,"sentiment":"neutral","sentiment_score":0.026658163219690324}],"sentiment":"neutral","sentiment_score":0.026658163219690324,"channel":1,"num_words":5,"start":48.725002,"end":51.385002},{"sentences":[{"text":"Yep.","start":51.655,"end":52.055,"sentiment":"neutral","sentiment_score":0.10225699841976166},{"text":"Perfect.","start":52.055,"end":52.555,"sentiment":"positive","sentiment_score":0.4139970541000366},{"text":"That's exactly what I have here.","start":52.614998,"end":54.135,"sentiment":"positive","sentiment_score":0.4503767291704814},{"text":"And how's your day been so far?","start":54.135,"end":55.655,"sentiment":"neutral","sentiment_score":0.12764696031808853},{"text":"Been busy or kind of at the end of it now?","start":55.655,"end":58.155,"sentiment":"neutral","sentiment_score":-0.06921218504959886}],"sentiment":"neutral","sentiment_score":0.12887342747014302,"channel":0,"num_words":26,"start":51.655,"end":58.155},{"sentences":[{"text":"Yeah.","start":58.82,"end":59.14,"sentiment":"neutral","sentiment_score":-0.038252003490924835},{"text":"Pretty busy.","start":59.14,"end":59.88,"sentiment":"neutral","sentiment_score":-0.0890820287168026},{"text":"I have my","start":60.100002,"end":60.420002,"sentiment":"neutral","sentiment_score":-0.06959859033425649}],"sentiment":"neutral","sentiment_score":-0.07086863865454991,"channel":1,"num_words":6,"start":58.82,"end":60.420002},{"sentences":[{"text":"Yes.","start":60.359997,"end":60.859997,"sentiment":"neutral","sentiment_score":-0.04697006940841675}],"sentiment":"neutral","sentiment_score":-0.04697006940841675,"channel":0,"num_words":1,"start":60.359997,"end":60.859997},{"sentences":[{"text":"two jobs, so it's","start":60.420002,"end":62.34,"sentiment":"neutral","sentiment_score":-0.03836807515472174}],"sentiment":"neutral","sentiment_score":-0.03836807515472174,"channel":1,"num_words":4,"start":60.420002,"end":62.34},{"sentences":[{"text":"Okay.","start":64.44,"end":64.56,"sentiment":"neutral","sentiment_score":-0.049496375024318695},{"text":"I can't imagine.","start":64.56,"end":65.34,"sentiment":"neutral","sentiment_score":-0.07801950971285503}],"sentiment":"neutral","sentiment_score":-0.07088872604072094,"channel":0,"num_words":4,"start":64.44,"end":65.34},{"sentences":[{"text":"Yep.","start":66.42,"end":66.92,"sentiment":"neutral","sentiment_score":-0.012446854263544084}],"sentiment":"neutral","sentiment_score":-0.012446854263544084,"channel":1,"num_words":1,"start":66.42,"end":66.92},{"sentences":[{"text":"But now I'll try not to keep you for too long, but, essentially, I can see here that you kind of contacted us after receiving the Benelong email with making the the change to 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along was the biggest contributor.","start":888.635,"end":893.04004,"sentiment":"neutral","sentiment_score":0.26904691755771637},{"text":"You can see all of the different investments.","start":893.04004,"end":894.9,"sentiment":"neutral","sentiment_score":0.3311026357114315},{"text":"So I will actually email that to you.","start":895.36005,"end":897.84,"sentiment":"neutral","sentiment_score":0.31197116570547223},{"text":"If you do want any other reports or anything like that, you can always just send me an email back.","start":897.84,"end":902.5,"sentiment":"neutral","sentiment_score":0.10673474185168744}],"sentiment":"neutral","sentiment_score":0.21891350539711615,"channel":0,"num_words":48,"start":888.635,"end":902.5},{"sentences":[{"text":"Yes.","start":902.27997,"end":902.77997,"sentiment":"neutral","sentiment_score":0.1442623734474182}],"sentiment":"neutral","sentiment_score":0.1442623734474182,"channel":1,"num_words":1,"start":902.27997,"end":902.77997},{"sentences":[{"text":"Otherwise, we do have your it is a couple of months away, but we have your annual review coming up in October, otherwise.","start":903.84,"end":910.975,"sentiment":"neutral","sentiment_score":0.11819098501101784},{"text":"So would you be happy to wait through about then to do your annual review, or would you like to, like, bring it forward a couple of months to do a little more kind of in-depth and see how everything is 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up.","start":954.84,"end":961.48,"sentiment":"neutral","sentiment_score":0.24794763303361833},{"text":"But we can also kind of set otherwise catch up frequency.","start":961.48,"end":964.77997,"sentiment":"neutral","sentiment_score":0.1836782693862915},{"text":"So at the moment, we just have it annually for you.","start":965.385,"end":968.04504,"sentiment":"neutral","sentiment_score":0.2178582034327767}],"sentiment":"neutral","sentiment_score":0.2066619555465877,"channel":0,"num_words":80,"start":945.13495,"end":968.04504},{"sentences":[{"text":"But we if you would like, biannually or quarterly, I can set it that we contact you a bit more frequent even if it's just, like, a a little bit of a quicker catch up to see where things are at for you.","start":968.265,"end":979.565,"sentiment":"neutral","sentiment_score":0.23852016343626864}],"sentiment":"neutral","sentiment_score":0.23852016343626864,"channel":0,"num_words":43,"start":968.265,"end":979.565},{"sentences":[{"text":"I think annual is pretty good at the 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anything changes already because that you can always just call and email whenever,","start":984.69,"end":987.97003,"sentiment":"neutral","sentiment_score":0.1150637971503394}],"sentiment":"neutral","sentiment_score":0.11594262520472208,"channel":0,"num_words":15,"start":984.05,"end":987.97003},{"sentences":[{"text":"Yeah.","start":987.92,"end":988.42,"sentiment":"neutral","sentiment_score":0.12916171550750732}],"sentiment":"neutral","sentiment_score":0.12916171550750732,"channel":1,"num_words":1,"start":987.92,"end":988.42},{"sentences":[{"text":"and we can 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fine.","start":1092.845,"end":1094.22,"sentiment":"neutral","sentiment_score":-0.05245965421199798}],"sentiment":"neutral","sentiment_score":-0.056468786050875984,"channel":1,"num_words":6,"start":1092.605,"end":1094.22},{"sentences":[{"text":"Yeah.","start":1094.5,"end":1094.82,"sentiment":"neutral","sentiment_score":0.04978238791227341},{"text":"Okay.","start":1094.82,"end":1095.14,"sentiment":"neutral","sentiment_score":0.12473566830158234},{"text":"Perfect.","start":1095.14,"end":1095.5399,"sentiment":"neutral","sentiment_score":0.2456115484237671},{"text":"If you do, though, you could either just send me an email or ask what it means.","start":1095.5399,"end":1099.38,"sentiment":"neutral","sentiment_score":0.1450289628084968},{"text":"I'll get the team to include a cover letter for you as well.","start":1099.38,"end":1102.125,"sentiment":"neutral","sentiment_score":0.20883166446135595}],"sentiment":"neutral","sentiment_score":0.16971010940544534,"channel":0,"num_words":33,"start":1094.5,"end":1102.125},{"sentences":[{"text":"Just to try to explain the different options and nominations that you can make.","start":1102.125,"end":1106.465,"sentiment":"neutral","sentiment_score":0.16767543234995433}],"sentiment":"neutral","sentiment_score":0.16767543234995433,"channel":0,"num_words":14,"start":1102.125,"end":1106.465},{"sentences":[{"text":"Yeah.","start":1106.94,"end":1107.375,"sentiment":"neutral","sentiment_score":0.11861693859100342}],"sentiment":"neutral","sentiment_score":0.11861693859100342,"channel":1,"num_words":1,"start":1106.94,"end":1107.375},{"sentences":[{"text":"Yep.","start":1107.645,"end":1108.045,"sentiment":"neutral","sentiment_score":0.13346974551677704},{"text":"Perfect.","start":1108.045,"end":1108.545,"sentiment":"neutral","sentiment_score":0.2546572685241699},{"text":"Was there any other questions or any other concern, Tyler, that you have while you got me on the phone?","start":1108.845,"end":1114.465,"sentiment":"neutral","sentiment_score":0.10212133694440126}],"sentiment":"neutral","sentiment_score":0.110479716042226,"channel":0,"num_words":22,"start":1107.645,"end":1114.465},{"sentences":[{"text":"I think it's all covered","start":1115.375,"end":1116.735,"sentiment":"neutral","sentiment_score":0.015307437907904387}],"sentiment":"neutral","sentiment_score":0.015307437907904387,"channel":1,"num_words":5,"start":1115.375,"end":1116.735},{"sentences":[{"text":"No?","start":1116.54,"end":1117.04,"sentiment":"neutral","sentiment_score":-0.04061141610145569}],"sentiment":"neutral","sentiment_score":-0.04061141610145569,"channel":0,"num_words":1,"start":1116.54,"end":1117.04},{"sentences":[{"text":"just normal.","start":1116.735,"end":1117.535,"sentiment":"neutral","sentiment_score":-0.03242695331573486},{"text":"Yeah.","start":1117.535,"end":1118.035,"sentiment":"neutral","sentiment_score":0.03861412778496742}],"sentiment":"neutral","sentiment_score":-0.0087465929488341,"channel":1,"num_words":3,"start":1116.735,"end":1118.035},{"sentences":[{"text":"Yeah.","start":1118.14,"end":1118.54,"sentiment":"neutral","sentiment_score":0.0742073729634285},{"text":"Okay.","start":1118.54,"end":1119.04,"sentiment":"neutral","sentiment_score":0.17213626205921173},{"text":"Perfect.","start":1119.1,"end":1119.6,"sentiment":"neutral","sentiment_score":0.29520344734191895},{"text":"Like I said, otherwise, the team will reach out in around June to book you in for that interview.","start":1120.22,"end":1124.86,"sentiment":"neutral","sentiment_score":0.21397152699922262},{"text":"But if you feel like you wanna bring it forward, you can, again, just give us a call or respond to my email as well.","start":1124.86,"end":1131.465,"sentiment":"neutral","sentiment_score":0.16151424944400788}],"sentiment":"neutral","sentiment_score":0.18393324109468054,"channel":0,"num_words":47,"start":1118.14,"end":1131.465},{"sentences":[{"text":"Yep.","start":1131.63,"end":1132.11,"sentiment":"neutral","sentiment_score":0.0976305454969406},{"text":"No worries.","start":1132.11,"end":1132.77,"sentiment":"neutral","sentiment_score":0.15132208913564682}],"sentiment":"neutral","sentiment_score":0.13342490792274475,"channel":1,"num_words":3,"start":1131.63,"end":1132.77},{"sentences":[{"text":"Yep.","start":1132.565,"end":1133.0449,"sentiment":"neutral","sentiment_score":0.16125892102718353},{"text":"Perfect.","start":1133.0449,"end":1133.5249,"sentiment":"neutral","sentiment_score":0.2227514237165451},{"text":"Well, thank you so much for your time this afternoon.","start":1133.5249,"end":1135.9249,"sentiment":"positive","sentiment_score":0.8171800434589386},{"text":"And, yeah, if you need anything else, don't hesitate to give me a call.","start":1135.9249,"end":1139.1329,"sentiment":"neutral","sentiment_score":0.2577476373740605}],"sentiment":"positive","sentiment_score":0.4678568347142293,"channel":0,"num_words":26,"start":1132.565,"end":1139.1329},{"sentences":[{"text":"Yeah.","start":1139.665,"end":1139.905,"sentiment":"positive","sentiment_score":0.41039398312568665},{"text":"Awesome.","start":1139.905,"end":1140.225,"sentiment":"positive","sentiment_score":0.8149416446685791},{"text":"Thank you very much.","start":1140.225,"end":1141.265,"sentiment":"positive","sentiment_score":0.8532849252223969},{"text":"I appreciate it.","start":1141.265,"end":1142.3251,"sentiment":"positive","sentiment_score":0.8008322715759277}],"sentiment":"positive","sentiment_score":0.7823302381568484,"channel":1,"num_words":9,"start":1139.665,"end":1142.3251},{"sentences":[{"text":"No problem at all.","start":1142.3329,"end":1143.1329,"sentiment":"positive","sentiment_score":0.5058383420109749},{"text":"We'll speak soon.","start":1143.1329,"end":1144.193,"sentiment":"positive","sentiment_score":0.38653992613156635}],"sentiment":"positive","sentiment_score":0.45471044949122835,"channel":0,"num_words":7,"start":1142.3329,"end":1144.193},{"sentences":[{"text":"Yeah.","start":1144.4651,"end":1144.785,"sentiment":"positive","sentiment_score":0.3519022464752197},{"text":"Thank you.","start":1144.785,"end":1145.425,"sentiment":"positive","sentiment_score":0.6298916339874268},{"text":"Bye.","start":1145.425,"end":1145.925,"sentiment":"neutral","sentiment_score":0.3114897906780243}],"sentiment":"positive","sentiment_score":0.4807938262820244,"channel":1,"num_words":4,"start":1144.4651,"end":1145.925},{"sentences":[{"text":"Bye.","start":1145.773,"end":1146.273,"sentiment":"neutral","sentiment_score":-0.11792834103107452}],"sentiment":"neutral","sentiment_score":-0.11792834103107452,"channel":0,"num_words":1,"start":1145.773,"end":1146.273}]},"summary":{"result":"success","short":"During a call with Tyler from Oakview Financial, the representative confirms his personal information and explains that the call is being recorded. They discuss Tyler's investment strategy and the use of a twelve-month period to see his portfolio's progress. The speaker emphasizes the importance of diversifying the portfolio and mentions the impact of a recent dip in the corporate travel group's reporting. The agent offers to generate different reports and statements from the customer's investment account, and the customer can either call or email to schedule a follow-up interview. The agent explains the process for completing the interview and the customer can either call or respond to the email."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up. Is now still a good time for you?","start_word":20,"end_word":39,"intents":[{"intent":"Confirm appointment time","confidence_score":0.099221446}]},{"text":"I had you booked in for a bit of a catch up. Is now still a good time for you? Yeah.","start_word":20,"end_word":40,"intents":[{"intent":"Schedule a catch up","confidence_score":0.015677853}]},{"text":"I had you booked in for a bit of a catch up. Is now still a good time for you? Yeah. Yeah.","start_word":20,"end_word":41,"intents":[{"intent":"Verify availability","confidence_score":0.00010567012}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Tyler Kane Mitchell.","start_word":108,"end_word":136,"intents":[{"intent":"Confirm appointment details","confidence_score":0.045936823}]},{"text":"But now I'll try not to keep you for too long, but, essentially, I can see here that you kind of contacted us after receiving the Benelong email with making the the change to your portfolio and wanted to talk about it in a little bit more detail. Is that right?","start_word":190,"end_word":240,"intents":[{"intent":"Discuss portfolio change","confidence_score":0.2541945}]},{"text":"I actually made an inquiry online before that email, actually. So it was Good just timing.","start_word":241,"end_word":256,"intents":[{"intent":"Receive an inquiry","confidence_score":0.000314604}]},{"text":"just basically a review of the performance of the funds. I I suppose over the last probably six months, there hasn't been too much positives Yes.","start_word":280,"end_word":305,"intents":[{"intent":"Review fund performance","confidence_score":0.32619733}]},{"text":"Overall, the way that your portfolio is constructed is using that core satellite approach to investments where you do have the majority of your investments in your core investments. Now for example, one are you quite across, like, your portfolio? Do you go into your network accounts pretty often? Might do. It just says to have a little progress, really.","start_word":594,"end_word":653,"intents":[{"intent":"Analyze portfolio progress","confidence_score":0.030125724}]},{"text":"So for example, one one, like I said, the ISHIA's S and P 500, after fees, that's still gone up by 8.17%, which is still pretty good, and that investment is investing in the 500 largest companies listed in The US. Yep.","start_word":800,"end_word":841,"intents":[{"intent":"Evaluate investments","confidence_score":0.08925432}]},{"text":"So not kind of you wanna make sure that with your different direct shares in investments, it's also diversified along the globe.","start_word":1136,"end_word":1157,"intents":[{"intent":"Divergent investments","confidence_score":0.06840866}]},{"text":"Now that investment is currently down 9.28% using a twelve month period.","start_word":1248,"end_word":1259,"intents":[{"intent":"Predict investment volatility","confidence_score":0.000013833867}]},{"text":"The the biggest kind of contributor through the overall portfolio, which is why you kind of haven't seen as much growth even though some of those have gone through have done pretty okay, is your Benelon Australian equity.","start_word":1295,"end_word":1332,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.012664629}]},{"text":"we've kind of gone into a bit more a deep dive into the investment. And also just looking at the fund manager as itself, they've been a little bit slow kind of in making changes, and some of their convictions haven't played out. But one of the other contributors to why it was kind of underperforming was that one of the investments that they had in their portfolio was the corporate travel group.","start_word":1502,"end_word":1574,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.23313002}]},{"text":"So we kind of made the decision of selling out of Benelon and swapping that for the a 200 to make sure that, you know, we do have you in the option that is going to be the best for you at all times, which isn't always going to be the same option because things do change all the time.","start_word":1849,"end_word":1908,"intents":[{"intent":"Swap investment assets for a 200","confidence_score":0.000049611892}]},{"text":"So overall as a portfolio, the only kind of concern we had was your Benelung Australian equity, which we've just swapped out.","start_word":2080,"end_word":2101,"intents":[{"intent":"Discuss portfolio changes and concerns","confidence_score":0.0037807152}]},{"text":"Getting transparency Yeah. as to where everything's at. Yes. Yes.","start_word":2188,"end_word":2197,"intents":[{"intent":"Obtain a transparent account","confidence_score":0.00039906305}]},{"text":"And do you know how Yep. to pull different reports and stuff like that as well? Not necessarily.","start_word":2225,"end_word":2242,"intents":[{"intent":"Pull reports","confidence_score":0.14205311}]},{"text":"Do you have, like, a top where it says, like, generate, like, reports and statements? Account, assets, insurance.","start_word":2265,"end_word":2282,"intents":[{"intent":"Generate reports","confidence_score":0.62029046}]},{"text":"So there should be a way there that you can actually pull a report. But if not, if it doesn't give you a full overview, you can always just email me if you want me to send you, like, a times, like, time snippet of different time frames. Would you like me to send you this twelve month report or what you have at the moment in front of you you're happy Yeah. with? Yeah.","start_word":2437,"end_word":2511,"intents":[{"intent":"Send report","confidence_score":0.29557046},{"intent":"Email report","confidence_score":0.55051416}]},{"text":"Otherwise, we do have your it is a couple of months away, but we have your annual review coming up in October, otherwise. So would you be happy to wait through about then to do your annual review, or would you like to, like, bring it forward a couple of months to do a little more kind of in-depth and see how everything is going? Yeah.","start_word":2601,"end_word":2666,"intents":[{"intent":"Schedule annual review","confidence_score":0.33899567}]},{"text":"So at the moment, we just have it annually for you. But we if you would like, biannually or quarterly, I can set it that we contact you a bit more frequent even if it's just, like, a a little bit of a quicker catch up to see where things are at for you.","start_word":2808,"end_word":2861,"intents":[{"intent":"Schedule quarterly review","confidence_score":0.013809485}]},{"text":"And the other thing is it looks like the ID we have on file has expired for you. Did you receive a new license a little while ago? A new driver's license.","start_word":2931,"end_word":2962,"intents":[{"intent":"Confirm license expired and expired license","confidence_score":6.2195316e-9}]},{"text":"I've got I've got a document number That's okay. or the the receipt for it. But yeah. Yeah. When you get it, if you could respond to my email for me Yep. with just a photo of the front and the back of your license, Yeah. Definitely. that will be great. So then I can just kinda update that on file for you as well. Yep.","start_word":2991,"end_word":3056,"intents":[{"intent":"Update documents","confidence_score":0.018269356}]},{"text":"Would you like us to resend them? Can you resend them, Yeah. please?","start_word":3091,"end_word":3103,"intents":[{"intent":"Resend documents","confidence_score":0.49835205}]},{"text":"Pat, do you have any questions in regards to how to complete it or who to nominate, and do your channel cannot nominate or anything like that, or is it just a matter of yep. time? No.","start_word":3157,"end_word":3193,"intents":[{"intent":"Complete nomination","confidence_score":0.032884814}]},{"text":"If you do, though, you could either just send me an email or ask what it means. I'll get the team to include a cover letter for you as well. Just to try to explain the different options and nominations that you can make. Yeah.","start_word":3202,"end_word":3246,"intents":[{"intent":"Include cover letter","confidence_score":0.53214896}]},{"text":"Perfect. Like I said, otherwise, the team will reach out in around June to book you in for that interview. But if you feel like you wanna bring it forward, you can, again, just give us a call or respond to my email as well. Yep.","start_word":3280,"end_word":3325,"intents":[{"intent":"Book interview","confidence_score":0.86027104}]}]},"sentiments":{"segments":[{"text":"Tom, I'm thinking. Good afternoon, Tyler. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.191390722990036},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.3887811303138733},{"text":"Yourself?","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.29194504022598267},{"text":"I'm good. Thanks.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.5571870803833008},{"text":"I had you booked in for a bit of a catch up. Is now still a good time for you? Yeah. Yeah. Yeah. Yes. Yep. Perfect. And apologies. I am calling a couple of minutes late. My previous appointment was just running a little bit overtime. Not a problem at all. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you. Yeah. Yeah. Yeah. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Tyler Kane Mitchell. Yep. Seventeenth nineteen 93. One Yep. Kathleen Street, Roadhouse Lane, 4301. Yep.","start_word":20,"end_word":148,"sentiment":"neutral","sentiment_score":0.07399965822696686},{"text":"Perfect. That's exactly what I have here.","start_word":149,"end_word":155,"sentiment":"positive","sentiment_score":0.43870463967323303},{"text":"And how's your day been so far? Been busy or kind of at the end of it now? Yeah. Pretty busy. I have my Yes. two jobs, so it's Okay. I can't imagine. Yep. But now I'll try not to keep you for too long, but, essentially, I can see here that you kind of contacted us after receiving the Benelong email with making the the change to your portfolio and wanted to talk about it in a little bit more detail. Is that right? I actually made an inquiry online before that email, actually. So it was Good just timing. a bit of a yeah. Yeah. It was yeah. It was it was on timing. Yeah. Yeah. Just Mhmm. just to see Yep. just basically a review of the performance of the funds. I I suppose over the last probably six months, there hasn't been too much positives Yes. from the fund. Yep. Now obviously, I've got two jobs, so I do put a fair bit of money into it. Yes. But, yeah, obviously, just at the moment, I'm not really seeing any Yeah. any progress release. Yep. Yep. No. Definitely.","start_word":156,"end_word":347,"sentiment":"neutral","sentiment_score":-0.011059295604354702},{"text":"And and very much so as well. It's like we overall, we have you invested in our high growth portfolio as well.","start_word":348,"end_word":369,"sentiment":"positive","sentiment_score":0.3567483127117157},{"text":"Yeah. Do you kind of remember, you know, what it means to be a high growth investor and Yes. how Yeah. yeah. Okay. So, typically, obviously, in a high growth portfolio, the goal is to obviously maximize growth as much as you can over the long term. Yep. Short term, because you are investing more for growth assets, you can see more fluctuations, especially when, obviously, the share market and the world is a bit more turbulent, you can see more fluctuations. Now, Yeah. typically, as well, what we see is that in a typical high growth portfolio, the likelihood of a negative return is about one in every five years. Again, it depends as well on what is going on in the world, and the last the last twelve months really has obviously seen a lot of fluctuations in in the the world and in the market. Obviously, everything going on in The US and Trump and tariffs, been a lot of fluctuations. And, obviously, more recently with everything in The Middle East and stuff, there are obviously fluctuations. So it is quite expected with what's going on in the market, and then we're also seeing a lot of cyclical trends in different areas. Obviously, AI technology are seeing a bit of change through certain investments and stuff like that as well. Yep. Overall, the way that your portfolio is constructed is using that core satellite approach to investments where you do have the majority of your investments in your core investments. Now for example, one are you quite across, like, your portfolio? Do you go into your network accounts pretty often? Might do. It just says to have a little progress, really. Yep. And Yeah. are Not you quite not very far into it. no. Okay. So, like, for example, one one of your biggest shareholding is iShares S and P five hundred. Yep. Now I've just pulled a report for showing the portfolio for the last twelve months, which I'm happy to email that to you if you would like. It just show you the different investments. It kind of breaks it down in a twelve month period Yep. after fees.","start_word":370,"end_word":733,"sentiment":"neutral","sentiment_score":0.01399756595492363},{"text":"So it is kind of good to see as well.","start_word":734,"end_word":743,"sentiment":"positive","sentiment_score":0.6885981559753418},{"text":"Now, typically, we do look more long term, obviously, with your superannuation because it is that long term investment, but it is good to do your twelve month just to see, okay, what's actually happened. A bit more short term, do we need to make any changes to anything depending Yes. on what's going on? Yeah.","start_word":744,"end_word":799,"sentiment":"neutral","sentiment_score":0.14383789896965027},{"text":"So for example, one one, like I said, the ISHIA's S and P 500, after fees, that's still gone up by 8.17%, which is still pretty good, and that investment is investing in the 500 largest companies listed in The US.","start_word":800,"end_word":840,"sentiment":"positive","sentiment_score":0.3409404754638672},{"text":"Yep. So even though there's been, you know, fluctuations in The US, it's still done pretty good. So Yep. most of your investments are in your ETF structure. Do you Yep. know what that means? No. I No. So you have different type of investments. So also implicit don't. is, let's say, if you want to invest in the BHP, that would be a direct check. You invest directly into one particular company. You don't have any direct check-in your portfolio because it can obviously be a lot riskier because you put everything into one option. Yep. Now ETF, which in is an exchange traded fund, which is most of your investment in your portfolio, Yep. the way that they work is that they are designed to track an index. So let's say, for example, that you want to invest in the oil industry, not one particular company. This is where your ETFs come in really handy because you just track an index. So like that iShares S and P 500, like I said, it just follows the 500 largest company. So as a Yeah. company gets smaller, it falls out. As another one gets bigger, it comes back in. So you don't need as much of that kind of active proportion to it because it just kind of tracks the biggest company. Now you have kind of different different ETFs in your portfolio. So some have done better than others. Now in, again, using the twelve month period, you have iShares Europe. So, again, invest in companies in Europe. You have Japan.","start_word":841,"end_word":1103,"sentiment":"neutral","sentiment_score":0.05764295533299446},{"text":"That one has done 11.69% the last twelve months, which is really good.","start_word":1104,"end_word":1116,"sentiment":"positive","sentiment_score":0.6853892207145691},{"text":"And then you also have an iShares MISTI, and that's just kind of investing in companies around the globe. So not kind of you wanna make sure that with your different direct shares in investments, it's also diversified along the globe. So you don't wanna be everything in, like, The US market or the Australian market or Japan, Yep. for example. You wanna have a little bit of everything. Yeah. Now that is most of your ETF. Now the one that has gone down the last twelve months, more so because of a cyclical trend, so we're not too worried about it, is your beta says global cybersecurity. So that one is an ETF, but it follows, you know, the largest cybersecurity company. So this space more recently have seen fluctuations. Now that investment is currently down 9.28% using a twelve month period. Not not too concerned over it long term because it is more of your cyclical investment. It's not structural changes that we kind of foresee that needs to make the change now anyway. Yes. Yep. The the biggest kind of contributor through the overall portfolio, which is why you kind of haven't seen as much growth even though some of those have gone through have done pretty okay, is your Benelon Australian equity. Now that is the one that we swapped out. So this one here is a managed fund. So this Yep. works differently through your ETF in that the purpose is through so you basically invest in this one is Benelon Australian Equity. So you invest in Australian companies. Now Benelon as a fund then chooses different companies that they believe in that goes into a portfolio, and you just invest in the portfolio. And then each Yeah. manager kind of have different criteria of how they construct and what they select. So the purpose of this investment and why it was added to your portfolio when you came on board was that it's done Yep. really, really well historically. Yep. And the function of it is to have a little bit more of the active management where they are trying to actively buy and sell different investments in order to try to outperform the market. Historically, they had done that. More recently, not so much, which is why Yeah. we've kind of gone into a bit more a deep dive into the investment.","start_word":1117,"end_word":1515,"sentiment":"neutral","sentiment_score":0.05147825889196014},{"text":"And also just looking at the fund manager as itself, they've been a little bit slow kind of in making changes, and some of their convictions haven't played out. But one of the other contributors to why it was kind of underperforming was that one of the investments that they had in their portfolio was the corporate travel group.","start_word":1516,"end_word":1574,"sentiment":"negative","sentiment_score":-0.3700107932090759},{"text":"I'm not sure if you've heard of it. It was on the news and stuff. Yep.","start_word":1575,"end_word":1590,"sentiment":"neutral","sentiment_score":-0.20480138063430783},{"text":"So, essentially, they had a bit of issues with their reporting, which actually meant that they were suspended from trading. So because of that, obviously, everything dropped or fell down.","start_word":1591,"end_word":1620,"sentiment":"negative","sentiment_score":-0.4117804765701294},{"text":"Okay. So Yep. overall, your Benelong Australian in the last twelve months, it was down 17%. 17 Yep. point eight four. That is the biggest contributor to why the last twelve months hasn't performed as well as expected even though we've had, you know, a lot of fluctuation. Yeah. So we then decided to swap that one out for you for something that's going to do a little bit better. Now Yeah. because, obviously, the structure of the portfolio, we wanna make sure that we don't put you too much in one particular market or an industry. So what we looked at was swapping a table. If we're swapping out an Australian option, we wanna look at changing for another Australian option to give you some of the Australian equity exposure. But Yeah. Sure. what we did swap, we swapped for the a 200. So by doing so, it's not a managed fund. So it is reducing the fees because it's another ETF. So it is a bit of a lower cost through the investment, but it still gives you the Australian equity exposure. And it's Yep. essentially tracking the 200 largest companies in Australia. So it Yeah.","start_word":1621,"end_word":1818,"sentiment":"neutral","sentiment_score":0.02474607527256012},{"text":"is a little bit cheaper than the managed fund. Just kind of tracking that index, and it has done a little bit better return wise as well than Benelon.","start_word":1819,"end_word":1847,"sentiment":"positive","sentiment_score":0.4036120176315307},{"text":"So we kind of made the decision of selling out of Benelon and swapping that for the a 200 to make sure that, you know, we do have you in the option that is going to be the best for you at all times, which isn't always going to be the same option because things do change all the time. So it is kind of good to do reviews all the time, not just, obviously, during the annual review process. But we kind of, you know, continuously review and research your portfolio as well.","start_word":1848,"end_word":1941,"sentiment":"neutral","sentiment_score":0.1927800476551056},{"text":"So that's why we did make that change for you, which we foresee is going to be the biggest change.","start_word":1942,"end_word":1961,"sentiment":"positive","sentiment_score":0.42483609914779663},{"text":"Because when I do look at all the investment options, that was the biggest contributor to why the portfolio hadn't performed as well, and you also had a pretty decent shareholding in it. So it was one of your actually, it was your largest one. So it Yep. was Yeah. your largest option and then closely followed by the S and P 500. And because that one was down, which is why it's seen the biggest Yeah. change. Yep. Yeah. Aside from that, we have you in a bit of gold as well. A little bit, gold have done really well Yep. recently. And the last twelve months, that one is actually up by 49%, which is crazy. So overall as a portfolio, the only kind of concern we had was your Benelung Australian equity, which we've just swapped out. Other than that, looking at your portfolio, there are kind of no issues or other concerns at this point anyway that we would like to change unless you have a specific request of what you want to do or if you wanna make any changes, because it's also up to, you know, if you do have personal preferences as well. No. I've looked at the moment. It's it's yeah. As long as you're confident. Yeah. Yeah. Just kinda just just also like a little inquiry. Yeah. Getting transparency Yeah. as to where everything's at. Yes. Yes. And Def yeah. definitely. And when you do do you have access to your Netwealth account? Yeah. I've got it open at the moment.","start_word":1962,"end_word":2221,"sentiment":"neutral","sentiment_score":0.12283197045326232},{"text":"Oh, perfect.","start_word":2222,"end_word":2223,"sentiment":"positive","sentiment_score":0.4784753620624542},{"text":"And do you know how Yep. to pull different reports and stuff like that as well? Not necessarily. No. No. Okay. I'm on your account right now, so I'll see if I can because my view might look a bit different. Do you have, like, a top where it says, like, generate, like, reports and statements? Account, assets, insurance. Let me Or see. if I go down and press on my personal super, it Yep. brings up where the investments are. Okay. Let me see here. Because I have one section which should be it just could a little bit different for you where it literally says reports and statements. And from that, you can easily generate different reports. And you'll have, like, statements. The one that we Yeah. typically look at is your asset performance, and that is because that gives us after fees return and information, Yeah. which is what we like to look at because, obviously, you wanna kind of show net of everything. Yeah. So that is the asset performance. Yeah. So I'm If in you I'm can't in assets now. oh, yes. Can you see So I've got, yeah, cash account, Netwealth, Global X, physical gold structured, that? Yes. better log, It better yep. shares. Yes. Yep.","start_word":2224,"end_word":2435,"sentiment":"neutral","sentiment_score":0.04167751222848892},{"text":"Perfect. So there should be a way there that you can actually pull a report.","start_word":2436,"end_word":2450,"sentiment":"positive","sentiment_score":0.4158304929733277},{"text":"But if not, if it doesn't give you a full overview, you can always just email me if you want me to send you, like, a times, like, time snippet of different time frames.","start_word":2451,"end_word":2484,"sentiment":"neutral","sentiment_score":0.2460002303123474},{"text":"Would you like me to send you this twelve month report or what you have at the moment in front of you you're happy Yeah.","start_word":2485,"end_word":2509,"sentiment":"positive","sentiment_score":0.34145301580429077},{"text":"with? Yeah. Sure. Yep. Yeah?","start_word":2510,"end_word":2514,"sentiment":"neutral","sentiment_score":0.16258737444877625},{"text":"Okay. Perfect. I will email this through you, and it will show you the 12 account of what I went over. It shows you the different investment. It shows you the returns as well, and you Yep.","start_word":2515,"end_word":2551,"sentiment":"positive","sentiment_score":0.448971152305603},{"text":"can also see that the the Ben along was the biggest contributor. You can see all of the different investments.","start_word":2552,"end_word":2571,"sentiment":"neutral","sentiment_score":0.29178911447525024},{"text":"So I will actually email that to you.","start_word":2572,"end_word":2579,"sentiment":"positive","sentiment_score":0.34013450145721436},{"text":"If you do want any other reports or anything like that, you can always just send me an email back. Yes. Otherwise, we do have your it is a couple of months away, but we have your annual review coming up in October, otherwise.","start_word":2580,"end_word":2623,"sentiment":"neutral","sentiment_score":0.11224248260259628},{"text":"So would you be happy to wait through about then to do your annual review, or would you like to, like, bring it forward a couple of months to do a little more kind of in-depth and see how everything is going?","start_word":2624,"end_word":2665,"sentiment":"positive","sentiment_score":0.3428792953491211},{"text":"Yeah. I think we're in for a couple of months till we can. Yeah. Like, Yep. around June, a bit earlier, because you also wanna give it a bit of time, obviously, with investments. Yeah. So I think June will be fine. Around June?","start_word":2666,"end_word":2709,"sentiment":"neutral","sentiment_score":0.1425085961818695},{"text":"Alright. Perfect. Yeah. I'll make a little note here for the team to reach out in around June, and we can kind of book in that annual review.","start_word":2710,"end_word":2737,"sentiment":"positive","sentiment_score":0.4187955856323242},{"text":"Yeah. And aside from that as well, do you prefer a bit more frequent contact? Because we can do so there's kind of different, I guess, updates. So, obviously, if you have any questions or concern at any point in time, you can always call and email us, and we can book in for a for a catch up. But we can also kind of set otherwise catch up frequency. So at the moment, we just have it annually for you. But we if you would like, biannually or quarterly, I can set it that we contact you a bit more frequent even if it's just, like, a a little bit of a quicker catch up to see where things are at for you.","start_word":2738,"end_word":2861,"sentiment":"neutral","sentiment_score":0.21689154207706451},{"text":"I think annual is pretty good at the moment.","start_word":2862,"end_word":2870,"sentiment":"positive","sentiment_score":0.3941773772239685},{"text":"Annually? Yeah. Yeah. Yeah. Okay. If anything changes already because that you can always just call and email whenever, Yeah. and we can always Yep. set that up. But, otherwise, I'll make a little note for the team to contact you around June through book your info, your annual review. I will email you that as a performance detail. Yep. And the other thing is it looks like the ID we have on file has expired for you. Did you receive a new license a little while ago? A new driver's license. Yes. I think my license ran out three days ago, I think. So Have you got a new one or not yet? not in the mail yet. Okay. I've got I've got a document number That's okay. or the the receipt for it. But yeah. Yeah. When you get it, if you could respond to my email for me Yep. with just a photo of the front and the back of your license, Yeah.","start_word":2871,"end_word":3036,"sentiment":"neutral","sentiment_score":0.0760238182405571},{"text":"Definitely. that will be great. So then I can just kinda update that on file for you as well.","start_word":3037,"end_word":3055,"sentiment":"positive","sentiment_score":0.51932692527771},{"text":"Yep. No worries. Yep.","start_word":3056,"end_word":3059,"sentiment":"neutral","sentiment_score":0.11877666413784028},{"text":"Perfect.","start_word":3060,"end_word":3060,"sentiment":"positive","sentiment_score":0.36185890436172485},{"text":"Now there is one last thing here. It says that it's outstanding, which is just your beneficiary details Yeah. for Yep. do Yep. you have those at full at home? Would you like us to resend them? Can you resend them, Yeah. please? Of course. Yeah. Do you have access to a printer, or do you prefer post? No. I do have a printer. Yeah? Yep. Are you happy for us to email it? It just has to be printed and web signs because you are making a legal nomination. Yeah. Yeah. Yeah. Yes. That's Okay. Pat, do you have any questions in regards to how to complete it or who to nominate, and do your channel cannot nominate or anything like that, or is it just a matter of yep. time? No. It should should've be fine. Yeah. Okay. Perfect. If you do, though, you could either just send me an email or ask what it means. I'll get the team to include a cover letter for you as well. Just to try to explain the different options and nominations that you can make. Yeah. Yep. Perfect. Was there any other questions or any other concern, Tyler, that you have while you got me on the phone? I think it's all covered No? just normal. Yeah. Yeah. Okay. Perfect. Like I said, otherwise, the team will reach out in around June to book you in for that interview. But if you feel like you wanna bring it forward, you can, again, just give us a call or respond to my email as well. Yep. No worries. Yep.","start_word":3061,"end_word":3328,"sentiment":"neutral","sentiment_score":0.07064647227525711},{"text":"Perfect. Well, thank you so much for your time this afternoon.","start_word":3329,"end_word":3339,"sentiment":"positive","sentiment_score":0.750946657224135},{"text":"And, yeah, if you need anything else, don't hesitate to give me a call.","start_word":3340,"end_word":3353,"sentiment":"neutral","sentiment_score":0.25522658228874207},{"text":"Yeah. Awesome. Thank you very much. I appreciate it. No problem at all. We'll speak soon. Yeah. Thank you.","start_word":3354,"end_word":3372,"sentiment":"positive","sentiment_score":0.5944933295249939},{"text":"Bye. Bye.","start_word":3373,"end_word":3374,"sentiment":"neutral","sentiment_score":0.2583819329738617}],"average":{"sentiment":"neutral","sentiment_score":0.09781716332380702}}}}