{"metadata":{"transaction_key":"deprecated","request_id":"e5f5d894-06a6-424a-ac9e-ab4098f4163c","sha256":"bd9097e727f6d96f6e15dc844d4b0bb2f05ca899e0811f8a1e389138b50d4bd4","created":"2026-03-11T08:19:21.238Z","duration":813.31195,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2965,"output_tokens":106},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3313,"output_tokens":3320},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3313,"output_tokens":184}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Matthew. This is Veronica from IC Financial. How are you? Oh, really? Alright. Let me see if I can let me see. I've just turned up the the volume. Can you hear that better, or is it still a bit quiet? Can you hear that a bit better? I've just turned up the volume. Okay. I do have it on the max setting. I'll speak to the IT team I have left for today, so I won't be able to adjust anything. Can you still hear me, though, or do you wanna yep. Okay. I'll try to just talk very loudly, and everyone around me just have to deal with it and and see. If you can't, though, just feel free to interrupt me, and I'll I'll try my best to make it as loud as I can. But, yeah, I have turned up on Mac. So, hopefully, it is, yeah, at least okay for you. No. That's okay. Now, ma, I did have you booked in because I know you had your quarterly review with my colleague, Michelle, and you did wanted to talk a little bit more about the the Benelon. But before I do go in there, I did wanted to check if the mortgage broker ended up calling you back and that got sorted, Or what kind of happened with all of that for you? Did she end up calling you back? Yes. Yeah. Okay. Okay. Yeah. No. That's okay. I'm sure there's no. No. It's one of those things. Like you said, you don't really have to worry about it. It's just kind of buried and hidden. But I am glad that at least you have an appointment with her and that kind of at least got on the way. So let me know how everything goes with all of that and and how it all goes. So that at least is good that you do have an appointment tomorrow. Otherwise, when you did have your interview with Michelle, it was mainly to kind of talk about the Benelon investment. Is that correct? Okay. Okay. So I've had a bit of a look at your portfolio in hub twenty four. And, overall, it's actually done pretty well considering everything that's going on in the world and in the market. So, obviously, in the last twelve months because I'm looking at a twelve month report for you. And, obviously, in the last twelve months, there's been a lot of a lot of things in the world. Obviously, everything over in The US and Trump and the tariffs and everything saw fluctuations. And, obviously, more recently now with everything going on in The Middle East, we are seeing, obviously, some fluctuations to the market. So despite of that, that it's been a little bit more turbulent than we we sometimes see. In the last twelve months now this is as well factoring in after all fees have come out of your account. Your portfolio has still gone up by 9.44%, which in today's kind of factoring in the last twelve months is actually pretty good for what's going on. So that isn't too bad. It's actually pretty good after phase that it's still going up by that 9.44%. So overall, 9.44 after phase, which which is pretty good. Now while I have a look at all your investments, I can hear a bit better now. So, hopefully, you can hear me a bit better as well. I was like, oh, it got it got nice and quiet now. No. That's so good. That's all good. Now overall, if you as your portfolio had a look at, a lot of the investments are still doing pretty good. Overall, as the structure, it is doing really good. But it is correct. There is one particular investment that I would like to look at changing. That is your Benelung Australian equity. So that one has gone down, and that one has seen a bit of fluctuations and have underperformed recently. So that one works a little bit different. So the Benelung Australian equity, it is a managed fund. Now this was added to your portfolio when you came on board because it had done really well, and has done pretty well as well. And the reason that was added to your portfolio is because they are trying to actively buy and sell investments in order to try to outperform the market. That is kind of their function for the managed fund, but it has kind of underperformed recently. Now one of the contributing factors through it is that one of the investments that they had in their portfolio is the corporate travel group. You may have heard or seen in the news or anything, but they had a bit of issues with that reporting, which actually caused them to having to suspend trading, which obviously saw everything drop. So that one has seen a bit of a drop to your portfolio, which, again, considering everything else, it's still done really well. But the has underperformed, and we wanna make sure that, obviously, at all points in time, we have you in the investment that's going to do the best for you. And it's not always going to be that the investments that we recommended for you and that we have you in is going to be the best moving forward. A good thing with HAP twenty four is that there's, you know, hundreds of different options that we can chop swap and change for if we could see one not going to do so well moving forward. Now the investment team as well with Benelon, they have kind of they've made a couple of high conviction position that have underperformed, and we all kind of believe that it's not going to be the best option for you moving forward. So if you are happy for me to do so, we've done a lot of research on an investment switch for Benelon. Now we do wanna make sure that we stay with the same investment philosophy. The structure's the same. The asset allocation is the same. So if we are swapping your Australian investment, we do wanna swap it in with another Australian option because we don't wanna obviously have you too concentrated in, like, The US or just in Australia. We wanna make sure we have you diversified across the globe. So if we are swapping an Australian investment, we have looked at an alternative Australian option for you, and that is the a 200. Now this one isn't the whole active management. So, basically, this one is trying to track the 200 largest companies listed in The US sorry, in Australia. So because of that, it's actually a lot cheaper in fees because you don't have as much kind of going into trying to outperform the market. And if you are paying more in fees and trying to outperform the market, if it hasn't done that, it's not worth paying the fees for it. Does that make sense so far, Matthew? Yeah. So, basically, we have found a replacement for you that we can go ahead and change as long as you're happy to do so, which is just, yeah, which is just literally changing Ben along to one other investment. It is reducing the fees overall, which is great. It is also kind of the maintaining that diversified Australian exposure, and it has improved returns a little bit, which is great. So if you're obviously happy to do so, what I'm going to do is I will just go and make that switch for you. Now I will still send you something that's called a record of advice. You don't need to sign it or anything. It is just a document for your reference to say that we've gone ahead and made these change, and these are the reasons why we have done so. You can obviously have a read through it and stuff like that. Like I said, you don't need to sign it or anything. It is just for your record, and that is the only thing that's changing just to try to approve your position moving forward. Now I will try to get that through you as soon as I can, but it might be a Monday because I'm not in the office on Friday. But I will try my best to have that to you by Monday, if that's okay. Yes. Perfect. So keep a lookout for your email. As soon as we've sent that through, I'll get the team to authorize that change. You will see it as well in Hub 24 if you go and have a look at it. Otherwise, you will just see that swap over change for you. So we'll go ahead and and do all of that in the back end. Now is there any other questions or concerns or anything else you would like me to address for you today, Matthew? No? No. I think it's more from a identification verification purposes. I knew as well that when I went through my mortgage review, they asked for identification. So they could sometimes have different modes of identification. Now I didn't have my birth certificate either because I'm I'm from Sweden. See if you hear a bit of an accent. That's why. A little bit harder for me to find. So I had two passwords instead, so that was fine. So sometimes there's different documents that you can prove for them otherwise. They wouldn't go ahead and authorize any change or anything with you without obviously your consent. So, typically, in the beginning, it's just to verify who you are, and it's kind of similar to our anti money laundering and counterterrorism rules that we have, which is why we have to keep an ID on file for you to verify that you are who you are. So it's probably, like, a similar thing with just verifying who you are, and just let her know as well that you don't have a birth certificate. Is there anything else that you can provide instead, which I'm sure they'll be able to work around? Yeah. Yes. And I'm sure there'll be a bit different ways you can find something because, yeah, I've I've struggled finding my birth certificate as well because I have moved overseas and don't know where. I'm sure it's somewhere with mom and dad back back in Sweden, but I don't know where. So and then paper trails as well. It's like you move around, and it's like, I don't know where it is. So I'm sure I'm sure they was able to work around it. So let me know as well, obviously, how everything goes, if you need any other assistance. Otherwise, I do have you here that we kind of touch base on a quarterly basis that you do prefer quarterly catch up. Is that correct? Yeah. Yeah. So I'll kind of touch base in about, yeah, a couple of months or so in the next quarter unless you need anything urgently or before that. Then obviously give me a call or send us an email, and we can book in an appointment earlier. Yeah. And then it's kind of it's coming up as well. So around November, it's your kind of bigger annual review where we do go through things in a bit more detail. And if you do wanna move it forward to next time, we can do it as well, which is a little bit more kind of in-depth in in everything as well. Yeah. Now if you don't have any other questions or need anything else from me today, Matthew, I will let you go and enjoy your afternoon. Keep a lookout for that email to come through just so you have it for your reference that we are making that change to the Bennelong investment. And if there is anything else that you do need, though, don't hesitate to give us a call or send me an email as well. Yeah. No problem at all. Well, thank you so much for your time this afternoon, Matthew, and I look forward to speaking with you soon again. No problem. We'll speak soon. Okay. 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afternoon, Matthew. This is Veronica from IC Financial. How are you? Oh, really? Alright.\n\nLet me see if I can let me see. I've just turned up the the volume. Can you hear that better, or is it still a bit quiet? Can you hear that a bit better? I've just turned up the volume.\n\nOkay. I do have it on the max setting. I'll speak to the IT team I have left for today, so I won't be able to adjust anything. Can you still hear me, though, or do you wanna yep. Okay.\n\nI'll try to just talk very loudly, and everyone around me just have to deal with it and and see. If you can't, though, just feel free to interrupt me, and I'll I'll try my best to make it as loud as I can. But, yeah, I have turned up on Mac. So, hopefully, it is, yeah, at least okay for you. No.\n\nThat's okay. Now, ma, I did have you booked in because I know you had your quarterly review with my colleague, Michelle, and you did wanted to talk a little bit more about the the Benelon. But before I do go in there, I did wanted to check if the mortgage broker ended up calling you back and that got sorted, Or what kind of happened with all of that for you? Did she end up calling you back? Yes.\n\nYeah. Okay. Okay. Yeah. No.\n\nThat's okay. I'm sure there's no. No. It's one of those things. Like you said, you don't really have to worry about it.\n\nIt's just kind of buried and hidden. But I am glad that at least you have an appointment with her and that kind of at least got on the way. So let me know how everything goes with all of that and and how it all goes. So that at least is good that you do have an appointment tomorrow. Otherwise, when you did have your interview with Michelle, it was mainly to kind of talk about the Benelon investment.\n\nIs that correct? Okay. Okay. So I've had a bit of a look at your portfolio in hub twenty four. And, overall, it's actually done pretty well considering everything that's going on in the world and in the market.\n\nSo, obviously, in the last twelve months because I'm looking at a twelve month report for you. And, obviously, in the last twelve months, there's been a lot of a lot of things in the world. Obviously, everything over in The US and Trump and the tariffs and everything saw fluctuations. And, obviously, more recently now with everything going on in The Middle East, we are seeing, obviously, some fluctuations to the market. So despite of that, that it's been a little bit more turbulent than we we sometimes see.\n\nIn the last twelve months now this is as well factoring in after all fees have come out of your account. Your portfolio has still gone up by 9.44%, which in today's kind of factoring in the last twelve months is actually pretty good for what's going on. So that isn't too bad. It's actually pretty good after phase that it's still going up by that 9.44%. So overall, 9.44 after phase, which which is pretty good.\n\nNow while I have a look at all your investments, I can hear a bit better now. So, hopefully, you can hear me a bit better as well. I was like, oh, it got it got nice and quiet now. No. That's so good.\n\nThat's all good. Now overall, if you as your portfolio had a look at, a lot of the investments are still doing pretty good. Overall, as the structure, it is doing really good. But it is correct. There is one particular investment that I would like to look at changing.\n\nThat is your Benelung Australian equity. So that one has gone down, and that one has seen a bit of fluctuations and have underperformed recently. So that one works a little bit different. So the Benelung Australian equity, it is a managed fund. Now this was added to your portfolio when you came on board because it had done really well, and has done pretty well as well.\n\nAnd the reason that was added to your portfolio is because they are trying to actively buy and sell investments in order to try to outperform the market. That is kind of their function for the managed fund, but it has kind of underperformed recently. Now one of the contributing factors through it is that one of the investments that they had in their portfolio is the corporate travel group. You may have heard or seen in the news or anything, but they had a bit of issues with that reporting, which actually caused them to having to suspend trading, which obviously saw everything drop. So that one has seen a bit of a drop to your portfolio, which, again, considering everything else, it's still done really well.\n\nBut the has underperformed, and we wanna make sure that, obviously, at all points in time, we have you in the investment that's going to do the best for you. And it's not always going to be that the investments that we recommended for you and that we have you in is going to be the best moving forward. A good thing with HAP twenty four is that there's, you know, hundreds of different options that we can chop swap and change for if we could see one not going to do so well moving forward. Now the investment team as well with Benelon, they have kind of they've made a couple of high conviction position that have underperformed, and we all kind of believe that it's not going to be the best option for you moving forward. So if you are happy for me to do so, we've done a lot of research on an investment switch for Benelon.\n\nNow we do wanna make sure that we stay with the same investment philosophy. The structure's the same. The asset allocation is the same. So if we are swapping your Australian investment, we do wanna swap it in with another Australian option because we don't wanna obviously have you too concentrated in, like, The US or just in Australia. We wanna make sure we have you diversified across the globe.\n\nSo if we are swapping an Australian investment, we have looked at an alternative Australian option for you, and that is the a 200. Now this one isn't the whole active management. So, basically, this one is trying to track the 200 largest companies listed in The US sorry, in Australia. So because of that, it's actually a lot cheaper in fees because you don't have as much kind of going into trying to outperform the market. And if you are paying more in fees and trying to outperform the market, if it hasn't done that, it's not worth paying the fees for it.\n\nDoes that make sense so far, Matthew? Yeah. So, basically, we have found a replacement for you that we can go ahead and change as long as you're happy to do so, which is just, yeah, which is just literally changing Ben along to one other investment. It is reducing the fees overall, which is great. It is also kind of the maintaining that diversified Australian exposure, and it has improved returns a little bit, which is great.\n\nSo if you're obviously happy to do so, what I'm going to do is I will just go and make that switch for you. Now I will still send you something that's called a record of advice. You don't need to sign it or anything. It is just a document for your reference to say that we've gone ahead and made these change, and these are the reasons why we have done so. You can obviously have a read through it and stuff like that.\n\nLike I said, you don't need to sign it or anything. It is just for your record, and that is the only thing that's changing just to try to approve your position moving forward. Now I will try to get that through you as soon as I can, but it might be a Monday because I'm not in the office on Friday. But I will try my best to have that to you by Monday, if that's okay. Yes.\n\nPerfect. So keep a lookout for your email. As soon as we've sent that through, I'll get the team to authorize that change. You will see it as well in Hub 24 if you go and have a look at it. Otherwise, you will just see that swap over change for you.\n\nSo we'll go ahead and and do all of that in the back end. Now is there any other questions or concerns or anything else you would like me to address for you today, Matthew? No? No. I think it's more from a identification verification purposes.\n\nI knew as well that when I went through my mortgage review, they asked for identification. So they could sometimes have different modes of identification. Now I didn't have my birth certificate either because I'm I'm from Sweden. See if you hear a bit of an accent. That's why.\n\nA little bit harder for me to find. So I had two passwords instead, so that was fine. So sometimes there's different documents that you can prove for them otherwise. They wouldn't go ahead and authorize any change or anything with you without obviously your consent. So, typically, in the beginning, it's just to verify who you are, and it's kind of similar to our anti money laundering and counterterrorism rules that we have, which is why we have to keep an ID on file for you to verify that you are who you are.\n\nSo it's probably, like, a similar thing with just verifying who you are, and just let her know as well that you don't have a birth certificate. Is there anything else that you can provide instead, which I'm sure they'll be able to work around? Yeah. Yes. And I'm sure there'll be a bit different ways you can find something because, yeah, I've I've struggled finding my birth certificate as well because I have moved overseas and don't know where.\n\nI'm sure it's somewhere with mom and dad back back in Sweden, but I don't know where. So and then paper trails as well. It's like you move around, and it's like, I don't know where it is. So I'm sure I'm sure they was able to work around it. So let me know as well, obviously, how everything goes, if you need any other assistance.\n\nOtherwise, I do have you here that we kind of touch base on a quarterly basis that you do prefer quarterly catch up. Is that correct? Yeah. Yeah. So I'll kind of touch base in about, yeah, a couple of months or so in the next quarter unless you need anything urgently or before that.\n\nThen obviously give me a call or send us an email, and we can book in an appointment earlier. Yeah. And then it's kind of it's coming up as well. So around November, it's your kind of bigger annual review where we do go through things in a bit more detail. And if you do wanna move it forward to next time, we can do it as well, which is a little bit more kind of in-depth in in everything as well.\n\nYeah. Now if you don't have any other questions or need anything else from me today, Matthew, I will let you go and enjoy your afternoon. Keep a lookout for that email to come through just so you have it for your reference that we are making that change to the Bennelong investment. And if there is anything else that you do need, though, don't hesitate to give us a call or send me an email as well. Yeah.\n\nNo problem at all. Well, thank you so much for your time this afternoon, Matthew, and I look forward to speaking with you soon again. No problem. We'll speak soon. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Matthew.","start":1.68,"end":2.6399999,"sentiment":"positive","sentiment_score":0.4526977439721425},{"text":"This is Veronica from IC Financial.","start":2.6399999,"end":4.42,"sentiment":"positive","sentiment_score":0.34398483236630756},{"text":"How are you?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.29344309369723004},{"text":"Oh, really?","start":10.16,"end":10.98,"sentiment":"neutral","sentiment_score":-0.10260317102074622},{"text":"Alright.","start":13.505,"end":13.825001,"sentiment":"neutral","sentiment_score":-0.020567623898386955}],"sentiment":"neutral","sentiment_score":0.27177050275107223,"num_words":15,"start":1.68,"end":13.825001},{"sentences":[{"text":"Let me see if I can let me see.","start":13.825001,"end":17.985,"sentiment":"neutral","sentiment_score":0.02747921386940612},{"text":"I've just turned up the the volume.","start":17.985,"end":19.985,"sentiment":"neutral","sentiment_score":0.012017287313938141},{"text":"Can you hear that better, or is it still a bit quiet?","start":19.985,"end":24.005001,"sentiment":"neutral","sentiment_score":-0.03747635039811333},{"text":"Can you hear that a bit better?","start":24.145,"end":25.425,"sentiment":"neutral","sentiment_score":-0.06871695177895683},{"text":"I've just turned up the volume.","start":25.425,"end":26.805,"sentiment":"neutral","sentiment_score":-0.017722006887197495}],"sentiment":"neutral","sentiment_score":-0.01721056030563465,"num_words":41,"start":13.825001,"end":26.805},{"sentences":[{"text":"Okay.","start":34.31,"end":34.71,"sentiment":"neutral","sentiment_score":0.03762875124812126},{"text":"I do have it on the max setting.","start":34.71,"end":36.89,"sentiment":"neutral","sentiment_score":0.08225248800590634},{"text":"I'll speak to the IT team I have left for today, so I won't be able to adjust anything.","start":39.365,"end":43.605,"sentiment":"neutral","sentiment_score":0.03294674478667347},{"text":"Can you still hear me, though, or do you wanna yep.","start":43.605,"end":49.364998,"sentiment":"neutral","sentiment_score":-0.006545027125288139},{"text":"Okay.","start":49.364998,"end":49.765,"sentiment":"neutral","sentiment_score":0.009028779342770576}],"sentiment":"neutral","sentiment_score":0.031466757180169225,"num_words":40,"start":34.31,"end":49.765},{"sentences":[{"text":"I'll try to just talk very loudly, and everyone around me just have to deal with it and and see.","start":49.765,"end":57.379997,"sentiment":"neutral","sentiment_score":-0.07300141099840403},{"text":"If you can't, though, just feel free to interrupt me, and I'll I'll try my best to make it as loud as I can.","start":57.379997,"end":62.579998,"sentiment":"neutral","sentiment_score":-0.02197302544179062},{"text":"But, yeah, I have turned up on Mac.","start":62.579998,"end":64.44,"sentiment":"neutral","sentiment_score":0.0861698854714632},{"text":"So, hopefully, it is, yeah, at least okay for you.","start":64.58,"end":69.755005,"sentiment":"neutral","sentiment_score":0.23012762367725373},{"text":"No.","start":74.375,"end":74.695,"sentiment":"neutral","sentiment_score":-0.15909019112586975}],"sentiment":"neutral","sentiment_score":0.013399433315036789,"num_words":63,"start":49.765,"end":74.695},{"sentences":[{"text":"That's okay.","start":74.695,"end":75.595,"sentiment":"neutral","sentiment_score":-0.07180208154022694},{"text":"Now, ma, I did have you booked in because I know you had your quarterly review with my colleague, Michelle, and you did wanted to talk a little bit more about the the Benelon.","start":76.695,"end":87.08,"sentiment":"neutral","sentiment_score":0.0635341492426746},{"text":"But before I do go in there, I did wanted to check if the mortgage broker ended up calling you back and that got sorted, Or what kind of happened with all of that for you?","start":87.299995,"end":98.354996,"sentiment":"neutral","sentiment_score":-0.09766403151055177},{"text":"Did she end up calling you back?","start":102.09499,"end":103.795,"sentiment":"neutral","sentiment_score":-0.08359747965420995},{"text":"Yes.","start":108.509995,"end":109.009995,"sentiment":"neutral","sentiment_score":0.030787387862801552}],"sentiment":"neutral","sentiment_score":-0.025671789911575614,"num_words":80,"start":74.695,"end":109.009995},{"sentences":[{"text":"Yeah.","start":113.95,"end":114.45,"sentiment":"neutral","sentiment_score":-0.04745899140834808},{"text":"Okay.","start":121.245,"end":121.745,"sentiment":"neutral","sentiment_score":0.02494047209620476},{"text":"Okay.","start":122.445,"end":122.945,"sentiment":"neutral","sentiment_score":-0.006944006308913231},{"text":"Yeah.","start":130.365,"end":130.865,"sentiment":"neutral","sentiment_score":-0.03154952824115753},{"text":"No.","start":130.925,"end":131.425,"sentiment":"neutral","sentiment_score":-0.1381954848766327}],"sentiment":"neutral","sentiment_score":-0.03984150774776936,"num_words":5,"start":113.95,"end":131.425},{"sentences":[{"text":"That's okay.","start":131.80501,"end":132.60501,"sentiment":"neutral","sentiment_score":-0.03255775384604931},{"text":"I'm sure there's no.","start":132.60501,"end":137.44,"sentiment":"neutral","sentiment_score":-0.11954152677208185},{"text":"No.","start":137.44,"end":137.92,"sentiment":"neutral","sentiment_score":-0.029979098588228226},{"text":"It's one of those things.","start":137.92,"end":139.22,"sentiment":"neutral","sentiment_score":0.019843658804893492},{"text":"Like you said, you don't really have to worry about it.","start":139.28,"end":141.7,"sentiment":"neutral","sentiment_score":0.12700952657244421}],"sentiment":"neutral","sentiment_score":0.04013314665011738,"num_words":23,"start":131.80501,"end":141.7},{"sentences":[{"text":"It's just kind of buried and hidden.","start":141.76001,"end":143.46,"sentiment":"neutral","sentiment_score":-0.024404577910900116},{"text":"But I am glad that at least you have an appointment with her and that kind of at least got on the way.","start":144.0,"end":148.82,"sentiment":"positive","sentiment_score":0.683794643567956},{"text":"So let me know how everything goes with all of that and and how it all goes.","start":149.495,"end":154.935,"sentiment":"positive","sentiment_score":0.3582792483708438},{"text":"So that at least is good that you do have an appointment tomorrow.","start":154.935,"end":157.755,"sentiment":"positive","sentiment_score":0.6099235713481903},{"text":"Otherwise, when you did have your interview with Michelle, it was mainly to kind of talk about the Benelon investment.","start":159.97499,"end":166.66,"sentiment":"neutral","sentiment_score":-0.0042530892882496115}],"sentiment":"positive","sentiment_score":0.3686392077594064,"num_words":80,"start":141.76001,"end":166.66},{"sentences":[{"text":"Is that correct?","start":166.88,"end":167.70001,"sentiment":"neutral","sentiment_score":0.0238906213392814},{"text":"Okay.","start":173.76001,"end":174.26001,"sentiment":"neutral","sentiment_score":-0.2192288637161255},{"text":"Okay.","start":176.655,"end":177.155,"sentiment":"neutral","sentiment_score":0.020773427560925484},{"text":"So I've had a bit of a look at your portfolio in hub twenty four.","start":177.455,"end":181.63501,"sentiment":"neutral","sentiment_score":0.09229488720496495},{"text":"And, overall, it's actually done pretty well considering everything that's going on in the world and in the market.","start":182.335,"end":190.70001,"sentiment":"neutral","sentiment_score":0.23354693855109968}],"sentiment":"neutral","sentiment_score":0.14602645047200033,"num_words":39,"start":166.88,"end":190.70001},{"sentences":[{"text":"So, obviously, in the last twelve months because I'm looking at a twelve month report for you.","start":190.76001,"end":195.1,"sentiment":"neutral","sentiment_score":-0.023037802537574488},{"text":"And, obviously, in the last twelve months, there's been a lot of a lot of things in the world.","start":195.56001,"end":199.8,"sentiment":"neutral","sentiment_score":-0.09876153833772007},{"text":"Obviously, everything over in The US and Trump and the tariffs and everything saw fluctuations.","start":199.8,"end":204.785,"sentiment":"neutral","sentiment_score":-0.09855045974254609},{"text":"And, obviously, more recently now with everything going on in The Middle East, we are seeing, obviously, some fluctuations to the market.","start":205.005,"end":211.24501,"sentiment":"neutral","sentiment_score":-0.10965659604831175},{"text":"So despite of that, that it's been a little bit more turbulent than we we sometimes see.","start":211.24501,"end":216.8,"sentiment":"neutral","sentiment_score":-0.18881295709049}],"sentiment":"neutral","sentiment_score":-0.10409593501438698,"num_words":90,"start":190.76001,"end":216.8},{"sentences":[{"text":"In the last twelve months now this is as well factoring in after all fees have come out of your account.","start":217.1,"end":224.48001,"sentiment":"neutral","sentiment_score":0.009282172480154605},{"text":"Your portfolio has still gone up by 9.44%, which in today's kind of factoring in the last twelve months is actually pretty good for what's going on.","start":225.18001,"end":236.035,"sentiment":"positive","sentiment_score":0.6830593623496868},{"text":"So that isn't too bad.","start":236.255,"end":237.695,"sentiment":"positive","sentiment_score":0.53464595079422},{"text":"It's actually pretty good after phase that it's still going up by that 9.44%.","start":237.695,"end":242.995,"sentiment":"positive","sentiment_score":0.6447639465332031},{"text":"So overall, 9.44 after phase, which which is pretty good.","start":243.535,"end":251.08,"sentiment":"neutral","sentiment_score":0.33247878924012186}],"sentiment":"positive","sentiment_score":0.4371719649787267,"num_words":77,"start":217.1,"end":251.08},{"sentences":[{"text":"Now while I have a look at all your investments, I can hear a bit better now.","start":251.22,"end":256.74,"sentiment":"neutral","sentiment_score":0.16872921980479183},{"text":"So, hopefully, you can hear me a bit better as well.","start":256.74,"end":259.32,"sentiment":"neutral","sentiment_score":0.14519221809777347},{"text":"I was like, oh, it got it got nice and quiet now.","start":263.485,"end":266.225,"sentiment":"neutral","sentiment_score":0.0659486185759306},{"text":"No.","start":266.445,"end":266.685,"sentiment":"neutral","sentiment_score":0.013078877702355385},{"text":"That's so good.","start":266.685,"end":267.665,"sentiment":"neutral","sentiment_score":0.1927777056892713}],"sentiment":"neutral","sentiment_score":0.13291605803268877,"num_words":44,"start":251.22,"end":267.665},{"sentences":[{"text":"That's all good.","start":275.97998,"end":277.03998,"sentiment":"neutral","sentiment_score":0.29030956824620563},{"text":"Now overall, if you as your portfolio had a look at, a lot of the investments are still doing pretty good.","start":277.74,"end":283.36,"sentiment":"neutral","sentiment_score":0.2693031742459252},{"text":"Overall, as the structure, it is doing really good.","start":283.58,"end":286.56,"sentiment":"positive","sentiment_score":0.45858943462371826},{"text":"But it is correct.","start":287.05502,"end":287.855,"sentiment":"neutral","sentiment_score":0.17077602073550224},{"text":"There is one particular investment that I would like to look at changing.","start":287.855,"end":292.27502,"sentiment":"neutral","sentiment_score":-0.0007027384753410636}],"sentiment":"neutral","sentiment_score":0.22655137516558171,"num_words":50,"start":275.97998,"end":292.27502},{"sentences":[{"text":"That is your Benelung Australian equity.","start":293.375,"end":296.435,"sentiment":"neutral","sentiment_score":0.0041792308911681175},{"text":"So that one has gone down, and that one has seen a bit of fluctuations and have underperformed recently.","start":296.49503,"end":303.57,"sentiment":"neutral","sentiment_score":-0.04989484991682203},{"text":"So that one works a little bit different.","start":304.35,"end":306.99,"sentiment":"neutral","sentiment_score":0.0014507751911878588},{"text":"So the Benelung Australian equity, it is a managed fund.","start":306.99,"end":311.025,"sentiment":"neutral","sentiment_score":0.026872959174215793},{"text":"Now this was added to your portfolio when you came on board because it had done really well, and has done pretty well as well.","start":311.345,"end":318.645,"sentiment":"neutral","sentiment_score":0.2520646312832832}],"sentiment":"neutral","sentiment_score":0.08322095312178135,"num_words":68,"start":293.375,"end":318.645},{"sentences":[{"text":"And the reason that was added to your portfolio is because they are trying to actively buy and sell investments in order to try to outperform the market.","start":319.025,"end":329.15,"sentiment":"neutral","sentiment_score":0.06276276029114213},{"text":"That is kind of their function for the managed fund, but it has kind of underperformed recently.","start":329.45,"end":335.39,"sentiment":"neutral","sentiment_score":0.017563586506773445},{"text":"Now one of the contributing factors through it is that one of the investments that they had in their portfolio is the corporate travel group.","start":336.09,"end":345.995,"sentiment":"neutral","sentiment_score":0.05361397884786129},{"text":"You may have heard or seen in the news or anything, but they had a bit of issues with that reporting, which actually caused them to having to suspend trading, which obviously saw everything drop.","start":346.135,"end":357.96,"sentiment":"neutral","sentiment_score":-0.19150523713656833},{"text":"So that one has seen a bit of a drop to your portfolio, which, again, considering everything else, it's still done really well.","start":358.25998,"end":366.36,"sentiment":"neutral","sentiment_score":-0.19938622155915137}],"sentiment":"neutral","sentiment_score":-0.06165842707559932,"num_words":128,"start":319.025,"end":366.36},{"sentences":[{"text":"But the has underperformed, and we wanna make sure that, obviously, at all points in time, we have you in the investment that's going to do the best for you.","start":366.455,"end":374.475,"sentiment":"positive","sentiment_score":0.37452158133188884},{"text":"And it's not always going to be that the investments that we recommended for you and that we have you in is going to be the best moving forward.","start":374.695,"end":381.835,"sentiment":"neutral","sentiment_score":-0.08271024368125303},{"text":"A good thing with HAP twenty four is that there's, you know, hundreds of different options that we can chop swap and change for if we could see one not going to do so well moving forward.","start":382.11,"end":393.33,"sentiment":"neutral","sentiment_score":0.2363277498531986},{"text":"Now the investment team as well with Benelon, they have kind of they've made a couple of high conviction position that have underperformed, and we all kind of believe that it's not going to be the best option for you moving forward.","start":394.50998,"end":407.245,"sentiment":"negative","sentiment_score":-0.3797662091397104},{"text":"So if you are happy for me to do so, we've done a lot of research on an investment switch for Benelon.","start":407.305,"end":415.19,"sentiment":"neutral","sentiment_score":-0.03509104618040675}],"sentiment":"neutral","sentiment_score":0.005368708237074316,"num_words":160,"start":366.455,"end":415.19},{"sentences":[{"text":"Now we do wanna make sure that we stay with the same investment philosophy.","start":415.65,"end":421.03,"sentiment":"neutral","sentiment_score":0.12757679607186997},{"text":"The structure's the same.","start":421.25,"end":422.53,"sentiment":"neutral","sentiment_score":0.15255970880389214},{"text":"The asset allocation is the same.","start":422.53,"end":424.63,"sentiment":"neutral","sentiment_score":0.11881285657485326},{"text":"So if we are swapping your Australian investment, we do wanna swap it in with another Australian option because we don't wanna obviously have you too concentrated in, like, The US or just in Australia.","start":424.85,"end":437.125,"sentiment":"neutral","sentiment_score":0.0533656687608787},{"text":"We wanna make sure we have you diversified across the globe.","start":437.125,"end":440.025,"sentiment":"neutral","sentiment_score":0.12779860875823282}],"sentiment":"neutral","sentiment_score":0.09118248889488834,"num_words":70,"start":415.65,"end":440.025},{"sentences":[{"text":"So if we are swapping an Australian investment, we have looked at an alternative Australian option for you, and that is the a 200.","start":440.405,"end":450.72,"sentiment":"neutral","sentiment_score":0.11515963977823655},{"text":"Now this one isn't the whole active management.","start":451.1,"end":453.44,"sentiment":"neutral","sentiment_score":-0.08436362026259303},{"text":"So, basically, this one is trying to track the 200 largest companies listed in The US sorry, in Australia.","start":454.02002,"end":462.505,"sentiment":"neutral","sentiment_score":0.05995850382666839},{"text":"So because of that, it's actually a lot cheaper in fees because you don't have as much kind of going into trying to outperform the market.","start":463.125,"end":471.445,"sentiment":"neutral","sentiment_score":0.21439824167352456},{"text":"And if you are paying more in fees and trying to outperform the market, if it hasn't done that, it's not worth paying the fees for it.","start":471.445,"end":477.72998,"sentiment":"negative","sentiment_score":-0.4658778331897877}],"sentiment":"neutral","sentiment_score":-0.03630974276277881,"num_words":104,"start":440.405,"end":477.72998},{"sentences":[{"text":"Does that make sense so far, Matthew?","start":477.72998,"end":479.43,"sentiment":"neutral","sentiment_score":-0.07132931000420026},{"text":"Yeah.","start":481.65,"end":482.15,"sentiment":"neutral","sentiment_score":0.15839412808418274},{"text":"So, basically, we have found a replacement for you that we can go ahead and change as long as you're happy to do so, which is just, yeah, which is just literally changing Ben along to one other investment.","start":482.37,"end":493.965,"sentiment":"neutral","sentiment_score":0.30360996608550733},{"text":"It is reducing the fees overall, which is great.","start":494.425,"end":497.405,"sentiment":"positive","sentiment_score":0.771665632724762},{"text":"It is also kind of the maintaining that diversified Australian exposure, and it has improved returns a little bit, which is great.","start":497.945,"end":506.15997,"sentiment":"positive","sentiment_score":0.7503338916735216}],"sentiment":"positive","sentiment_score":0.4481053070093577,"num_words":78,"start":477.72998,"end":506.15997},{"sentences":[{"text":"So if you're obviously happy to do so, what I'm going to do is I will just go and make that switch for you.","start":506.46,"end":512.14,"sentiment":"positive","sentiment_score":0.4581191601852576},{"text":"Now I will still send you something that's called a record of advice.","start":512.14,"end":517.04,"sentiment":"neutral","sentiment_score":0.13816009519191888},{"text":"You don't need to sign it or anything.","start":518.215,"end":520.135,"sentiment":"neutral","sentiment_score":0.07870102720335126},{"text":"It is just a document for your reference to say that we've gone ahead and made these change, and these are the reasons why we have done so.","start":520.135,"end":528.955,"sentiment":"neutral","sentiment_score":0.18960692760135447},{"text":"You can obviously have a read through it and stuff like that.","start":529.41504,"end":531.64,"sentiment":"neutral","sentiment_score":0.12372610407570998}],"sentiment":"neutral","sentiment_score":0.23781478260369862,"num_words":85,"start":506.46,"end":531.64},{"sentences":[{"text":"Like I said, you don't need to sign it or anything.","start":531.64,"end":533.96,"sentiment":"neutral","sentiment_score":0.07008631053296002},{"text":"It is just for your record, and that is the only thing that's changing just to try to approve your position moving forward.","start":533.96,"end":540.62,"sentiment":"neutral","sentiment_score":0.07692141393604486},{"text":"Now I will try to get that through you as soon as I can, but it might be a Monday because I'm not in the office on Friday.","start":543.015,"end":551.35504,"sentiment":"neutral","sentiment_score":0.02622609811701945},{"text":"But I will try my best to have that to you by Monday, if that's okay.","start":552.375,"end":557.72003,"sentiment":"neutral","sentiment_score":0.07754707685671747},{"text":"Yes.","start":560.18,"end":560.58,"sentiment":"neutral","sentiment_score":0.22648167610168457}],"sentiment":"neutral","sentiment_score":0.06002161505667469,"num_words":79,"start":531.64,"end":560.58},{"sentences":[{"text":"Perfect.","start":560.58,"end":561.08,"sentiment":"positive","sentiment_score":0.475532591342926},{"text":"So keep a lookout for your email.","start":561.62,"end":563.22003,"sentiment":"neutral","sentiment_score":0.21611143861498153},{"text":"As soon as we've sent that through, I'll get the team to authorize that change.","start":563.22003,"end":566.84,"sentiment":"neutral","sentiment_score":0.1977670709292094},{"text":"You will see it as well in Hub 24 if you go and have a look at it.","start":566.9,"end":570.525,"sentiment":"neutral","sentiment_score":0.1397933711608251},{"text":"Otherwise, you will just see that swap over change for you.","start":570.685,"end":573.745,"sentiment":"neutral","sentiment_score":0.1762373609976335}],"sentiment":"neutral","sentiment_score":0.18095596879720688,"num_words":52,"start":560.58,"end":573.745},{"sentences":[{"text":"So we'll go ahead and and do all of that in the back end.","start":574.60504,"end":578.22504,"sentiment":"neutral","sentiment_score":0.242037404860769},{"text":"Now is there any other questions or concerns or anything else you would like me to address for you today, Matthew?","start":581.325,"end":588.28,"sentiment":"neutral","sentiment_score":0.17055071890354156},{"text":"No?","start":594.18,"end":594.68,"sentiment":"negative","sentiment_score":-0.3460480570793152},{"text":"No.","start":606.355,"end":606.83496,"sentiment":"neutral","sentiment_score":-0.3036045730113983},{"text":"I think it's more from a identification verification purposes.","start":606.83496,"end":610.935,"sentiment":"neutral","sentiment_score":-0.28299515942732495}],"sentiment":"neutral","sentiment_score":0.08203216739322829,"num_words":46,"start":574.60504,"end":610.935},{"sentences":[{"text":"I knew as well that when I went through my mortgage review, they asked for identification.","start":612.31,"end":618.64996,"sentiment":"neutral","sentiment_score":-0.12300537945702672},{"text":"So they could sometimes have different modes of identification.","start":620.39,"end":623.85,"sentiment":"neutral","sentiment_score":-0.13821701291534635},{"text":"Now I didn't have my birth certificate either because I'm I'm from Sweden.","start":624.83496,"end":629.955,"sentiment":"neutral","sentiment_score":-0.27684167600595033},{"text":"See if you hear a bit of an accent.","start":629.955,"end":631.235,"sentiment":"neutral","sentiment_score":-0.27243658403555554},{"text":"That's why.","start":631.235,"end":632.055,"sentiment":"neutral","sentiment_score":-0.22609490156173706}],"sentiment":"neutral","sentiment_score":-0.1982673476545178,"num_words":49,"start":612.31,"end":632.055},{"sentences":[{"text":"A little bit harder for me to find.","start":632.195,"end":633.71497,"sentiment":"neutral","sentiment_score":-0.2957456521689892},{"text":"So I had two passwords instead, so that was fine.","start":633.71497,"end":636.69,"sentiment":"neutral","sentiment_score":0.053273488953709605},{"text":"So sometimes there's different documents that you can prove for them otherwise.","start":638.05,"end":642.47003,"sentiment":"neutral","sentiment_score":-0.045109202658447124},{"text":"They wouldn't go ahead and authorize any change or anything with you without obviously your consent.","start":643.41,"end":648.55,"sentiment":"neutral","sentiment_score":-0.19750875607132912},{"text":"So, typically, in the beginning, it's just to verify who you are, and it's kind of similar to our anti money laundering and counterterrorism rules that we have, which is why we have to keep an ID on file for you to verify that you are who you are.","start":649.01,"end":664.98,"sentiment":"neutral","sentiment_score":-0.00990378058382443}],"sentiment":"neutral","sentiment_score":-0.06336806426805101,"num_words":95,"start":632.195,"end":664.98},{"sentences":[{"text":"So it's probably, like, a similar thing with just verifying who you are, and just let her know as well that you don't have a birth certificate.","start":665.13995,"end":672.26,"sentiment":"neutral","sentiment_score":-0.03893699676350311},{"text":"Is there anything else that you can provide instead, which I'm sure they'll be able to work around?","start":672.26,"end":677.8,"sentiment":"neutral","sentiment_score":-0.0020642482365171113},{"text":"Yeah.","start":682.605,"end":683.105,"sentiment":"neutral","sentiment_score":-0.10585002601146698},{"text":"Yes.","start":689.165,"end":689.565,"sentiment":"neutral","sentiment_score":-0.12389704585075378},{"text":"And I'm sure there'll be a bit different ways you can find something because, yeah, I've I've struggled finding my birth certificate as well because I have moved overseas and don't know where.","start":689.565,"end":700.82,"sentiment":"neutral","sentiment_score":-0.12085612073089137}],"sentiment":"neutral","sentiment_score":-0.0663306804606691,"num_words":80,"start":665.13995,"end":700.82},{"sentences":[{"text":"I'm sure it's somewhere with mom and dad back back in Sweden, but I don't know where.","start":700.82,"end":705.24005,"sentiment":"neutral","sentiment_score":-0.15556426653090646},{"text":"So and then paper trails as well.","start":705.94,"end":713.215,"sentiment":"neutral","sentiment_score":-0.2682158776691982},{"text":"It's like you move around, and it's like, I don't know where it is.","start":713.215,"end":716.435,"sentiment":"neutral","sentiment_score":-0.3231686055660248},{"text":"So I'm sure I'm sure they was able to work around it.","start":717.455,"end":720.09503,"sentiment":"neutral","sentiment_score":0.14121805441876253},{"text":"So let me know as well, obviously, how everything goes, if you need any other assistance.","start":720.09503,"end":724.03,"sentiment":"neutral","sentiment_score":0.2995463730767369}],"sentiment":"neutral","sentiment_score":-0.03877432621789701,"num_words":66,"start":700.82,"end":724.03},{"sentences":[{"text":"Otherwise, I do have you here that we kind of touch base on a quarterly basis that you do prefer quarterly catch up.","start":724.65,"end":731.69,"sentiment":"neutral","sentiment_score":0.23347791122353595},{"text":"Is that correct?","start":731.69,"end":732.59,"sentiment":"neutral","sentiment_score":0.17421696583429971},{"text":"Yeah.","start":733.495,"end":733.995,"sentiment":"neutral","sentiment_score":0.1502542793750763},{"text":"Yeah.","start":734.935,"end":735.435,"sentiment":"neutral","sentiment_score":0.2606280744075775},{"text":"So I'll kind of touch base in about, yeah, a couple of months or so in the next quarter unless you need anything urgently or before that.","start":735.975,"end":744.135,"sentiment":"neutral","sentiment_score":0.1937777422092579}],"sentiment":"neutral","sentiment_score":0.20973680452866988,"num_words":55,"start":724.65,"end":744.135},{"sentences":[{"text":"Then obviously give me a call or send us an email, and we can book in an appointment earlier.","start":744.135,"end":750.29004,"sentiment":"neutral","sentiment_score":0.17653078389795204},{"text":"Yeah.","start":750.51,"end":751.01,"sentiment":"neutral","sentiment_score":0.27440309524536133},{"text":"And then it's kind of it's coming up as well.","start":751.71,"end":753.79004,"sentiment":"neutral","sentiment_score":0.25951269418001177},{"text":"So around November, it's your kind of bigger annual review where we do go through things in a bit more detail.","start":753.79004,"end":761.71,"sentiment":"neutral","sentiment_score":0.30181947918165297},{"text":"And if you do wanna move it forward to next time, we can do it as well, which is a little bit more kind of in-depth in in everything as well.","start":761.71,"end":769.09503,"sentiment":"neutral","sentiment_score":0.313569309250001}],"sentiment":"neutral","sentiment_score":0.2717374704959916,"num_words":82,"start":744.135,"end":769.09503},{"sentences":[{"text":"Yeah.","start":770.995,"end":771.495,"sentiment":"positive","sentiment_score":0.34736204147338867},{"text":"Now if you don't have any other questions or need anything else from me today, Matthew, I will let you go and enjoy your afternoon.","start":772.435,"end":779.17505,"sentiment":"positive","sentiment_score":0.5379400455951691},{"text":"Keep a lookout for that email to come through just so you have it for your reference that we are making that change to the Bennelong investment.","start":779.85,"end":786.91,"sentiment":"positive","sentiment_score":0.45894610826615934},{"text":"And if there is anything else that you do need, though, don't hesitate to give us a call or send me an email as well.","start":787.61,"end":794.415,"sentiment":"neutral","sentiment_score":0.11402552366256714},{"text":"Yeah.","start":796.89496,"end":797.39496,"sentiment":"neutral","sentiment_score":0.3166101574897766}],"sentiment":"positive","sentiment_score":0.3715779285264921,"num_words":79,"start":770.995,"end":797.39496},{"sentences":[{"text":"No problem at all.","start":797.615,"end":798.495,"sentiment":"positive","sentiment_score":0.5009363368153572},{"text":"Well, thank you so much for your time this afternoon, Matthew, and I look forward to speaking with you soon again.","start":798.495,"end":803.315,"sentiment":"positive","sentiment_score":0.796669894740695},{"text":"No problem.","start":805.7169,"end":806.2769,"sentiment":"positive","sentiment_score":0.45111651718616486},{"text":"We'll speak soon.","start":806.2769,"end":807.17694,"sentiment":"positive","sentiment_score":0.3638896346092224},{"text":"Okay.","start":809.0769,"end":809.5769,"sentiment":"neutral","sentiment_score":0.25760939717292786}],"sentiment":"positive","sentiment_score":0.6769459507157726,"num_words":31,"start":797.615,"end":809.5769},{"sentences":[{"text":"Bye.","start":809.6369,"end":810.1369,"sentiment":"neutral","sentiment_score":0.24301576614379883}],"sentiment":"neutral","sentiment_score":0.24301576614379883,"num_words":1,"start":809.6369,"end":810.1369}]}}]},{"alternatives":[{"transcript":"Yeah. Good. Your line is really quiet compared to the other person. I can barely hear you. It's like almost like you're whispering. Sorry? Nah. You're really quiet. My the last time I talked to it, it was pretty loud, but you're very quiet. I can just see. I can just see. Yeah. Yeah. Yeah. Yeah. I can I can just yeah? My car is pretty loud as well, so sorry about that. Okay. Did she end up calling back the the mortgage broker? Yeah. She called me she messaged me back, and, yeah, I've got an appointment tomorrow with the mortgage broker about a pre preliminary assessment or something along those lines. But they're after a birth certificate, and and god knows where that went. That is I spent two days looking for it. I still can't find it, so I don't know what to do about that. It's not like I'm looking at that sort of stuff every single day. I don't know where it is. Yeah. There was some investment that they've met that someone mentioned that, I don't know, was doing not very well or something like that. Yeah. Okay. 9%, you're saying? Okay. Yeah. I just I'm in the traffic now. I'm staying still. So that's probably why. Yeah. No. I pranked my I pranked the the work van and the door got a little bit bent and it's letting in a bit of the air and it's making such a wind noise when I'm driving. Yep. Yeah. Yeah. Yeah. Okay. Yeah. I I think so. Yeah. Change it. Yeah. Yes. That's alright. Yep. Okay. Not at the top of my head. So, I mean, what did they need that birth sorry. What did they need that birth certificate for? Is that to, like, swap swap my bank around type of thing? Is that why they need the thing? Because otherwise, I'm gonna struggle to get that. Yeah. Yeah. Yeah. Yeah. Yeah. Because all I had was my I had a British passport, which was it's pretty old. You know? I don't fly anywhere, so that was already five, but that's all I had. And they said, oh, that's rejected. You know? Oh, damn it. I don't know what to ask. Yeah. Yeah. Mine is the same. I I thought my dad had it, but he can't find it. And, yeah, it wouldn't include. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. That's Yeah. Yeah. Couple every couple of months. Yeah. That's fine. Yeah. Yeah. Yeah. Okay. No problem. Okay. Thank you very much. Okay. Bye. Thanks. Bye 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Good. Your line is really quiet compared to the other person. I can barely hear you. It's like almost like you're whispering.\n\nSorry? Nah. You're really quiet. My the last time I talked to it, it was pretty loud, but you're very quiet. I can just see.\n\nI can just see. Yeah. Yeah. Yeah. Yeah.\n\nI can I can just yeah? My car is pretty loud as well, so sorry about that. Okay. Did she end up calling back the the mortgage broker? Yeah.\n\nShe called me she messaged me back, and, yeah, I've got an appointment tomorrow with the mortgage broker about a pre preliminary assessment or something along those lines. But they're after a birth certificate, and and god knows where that went. That is I spent two days looking for it. I still can't find it, so I don't know what to do about that. It's not like I'm looking at that sort of stuff every single day.\n\nI don't know where it is. Yeah. There was some investment that they've met that someone mentioned that, I don't know, was doing not very well or something like that. Yeah. Okay.\n\n9%, you're saying? Okay. Yeah. I just I'm in the traffic now. I'm staying still.\n\nSo that's probably why. Yeah. No. I pranked my I pranked the the work van and the door got a little bit bent and it's letting in a bit of the air and it's making such a wind noise when I'm driving. Yep.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nI I think so. Yeah. Change it. Yeah. Yes.\n\nThat's alright. Yep. Okay. Not at the top of my head. So, I mean, what did they need that birth sorry.\n\nWhat did they need that birth certificate for? Is that to, like, swap swap my bank around type of thing? Is that why they need the thing? Because otherwise, I'm gonna struggle to get that. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Because all I had was my I had a British passport, which was it's pretty old.\n\nYou know? I don't fly anywhere, so that was already five, but that's all I had. And they said, oh, that's rejected. You know? Oh, damn it.\n\nI don't know what to ask. Yeah. Yeah. Mine is the same. I I thought my dad had it, but he can't find it.\n\nAnd, yeah, it wouldn't include. Yeah. Yeah. Yeah. Yeah.\n\nYes. Yeah. That's Yeah. Yeah. Couple every couple of months.\n\nYeah. That's fine. Yeah. Yeah. Yeah.\n\nOkay. No problem. Okay. Thank you very much. Okay.\n\nBye. Thanks. Bye bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.2884901165962219},{"text":"Good.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.5315009951591492},{"text":"Your line is really quiet compared to the other person.","start":6.48,"end":9.62,"sentiment":"neutral","sentiment_score":-0.06422172635793685},{"text":"I can barely hear you.","start":11.759999,"end":13.275,"sentiment":"neutral","sentiment_score":-0.2903564363718033},{"text":"It's like almost like you're 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that.","start":71.765,"end":74.105,"sentiment":"neutral","sentiment_score":-0.28945969451557507},{"text":"Okay.","start":100.195,"end":100.695,"sentiment":"neutral","sentiment_score":-0.02398468554019928},{"text":"Did she end up calling back the the mortgage broker?","start":105.155,"end":108.295,"sentiment":"neutral","sentiment_score":-0.11788566410541534},{"text":"Yeah.","start":110.835,"end":111.155,"sentiment":"neutral","sentiment_score":0.017670271918177605}],"sentiment":"neutral","sentiment_score":-0.14532443842497364,"num_words":29,"start":70.725006,"end":111.155},{"sentences":[{"text":"She called me she messaged me back, and, yeah, I've got an appointment tomorrow with the mortgage broker about a pre preliminary assessment or something along those lines.","start":111.155,"end":122.15,"sentiment":"neutral","sentiment_score":0.05167303021465029},{"text":"But they're after a birth certificate, and and god knows where that went.","start":122.69,"end":125.81,"sentiment":"neutral","sentiment_score":-0.1690786606990374},{"text":"That is I spent two days looking for it.","start":125.81,"end":127.409996,"sentiment":"neutral","sentiment_score":-0.26264988382657367},{"text":"I still can't find it, so I don't know what to do about that.","start":127.409996,"end":129.765,"sentiment":"negative","sentiment_score":-0.39489587928567615},{"text":"It's not like I'm looking at that sort of stuff every single day.","start":132.565,"end":135.605,"sentiment":"neutral","sentiment_score":-0.1364056488069204}],"sentiment":"neutral","sentiment_score":-0.13528366807799835,"num_words":77,"start":111.155,"end":135.605},{"sentences":[{"text":"I don't know where it is.","start":135.605,"end":136.745,"sentiment":"neutral","sentiment_score":-0.18184093137582144},{"text":"Yeah.","start":153.85,"end":154.35,"sentiment":"neutral","sentiment_score":0.27924948930740356},{"text":"There was some investment that they've met that someone mentioned that, I don't know, was doing not very well or something like that.","start":169.655,"end":176.35,"sentiment":"neutral","sentiment_score":-0.1794386635655942},{"text":"Yeah.","start":190.345,"end":190.845,"sentiment":"neutral","sentiment_score":0.02514258399605751},{"text":"Okay.","start":244.25,"end":244.73001,"sentiment":"neutral","sentiment_score":0.23119956254959104}],"sentiment":"neutral","sentiment_score":-0.14632947545032948,"num_words":32,"start":135.605,"end":244.73001},{"sentences":[{"text":"9%, you're saying?","start":244.73001,"end":245.895,"sentiment":"neutral","sentiment_score":0.12413666894038518},{"text":"Okay.","start":248.77501,"end":249.27501,"sentiment":"neutral","sentiment_score":0.3272726833820343},{"text":"Yeah.","start":259.57,"end":259.81,"sentiment":"neutral","sentiment_score":0.05557800084352493},{"text":"I just I'm in the traffic now.","start":259.81,"end":261.41,"sentiment":"neutral","sentiment_score":-0.023290988856128285},{"text":"I'm staying still.","start":261.41,"end":262.13,"sentiment":"neutral","sentiment_score":-0.025827684129277866}],"sentiment":"neutral","sentiment_score":0.034316047777732214,"num_words":15,"start":244.73001,"end":262.13},{"sentences":[{"text":"So that's probably why.","start":262.13,"end":264.07,"sentiment":"neutral","sentiment_score":0.02060893038287759},{"text":"Yeah.","start":266.69,"end":267.19,"sentiment":"neutral","sentiment_score":0.13661128282546997},{"text":"No.","start":267.49002,"end":267.73,"sentiment":"neutral","sentiment_score":-0.05119605362415314},{"text":"I pranked my I pranked the the work van and the door got a little bit bent and it's letting in a bit of the air and it's making such a wind noise when I'm driving.","start":267.73,"end":275.26498,"sentiment":"neutral","sentiment_score":-0.18843460807369816},{"text":"Yep.","start":293.54,"end":294.04,"sentiment":"neutral","sentiment_score":0.010652922093868256}],"sentiment":"neutral","sentiment_score":-0.1536079539029404,"num_words":43,"start":262.13,"end":294.04},{"sentences":[{"text":"Yeah.","start":305.255,"end":305.755,"sentiment":"neutral","sentiment_score":0.005332121625542641},{"text":"Yeah.","start":333.085,"end":333.585,"sentiment":"neutral","sentiment_score":-0.011843136511743069},{"text":"Yeah.","start":394.565,"end":395.065,"sentiment":"neutral","sentiment_score":-0.17168517410755155},{"text":"Okay.","start":464.02,"end":464.52,"sentiment":"neutral","sentiment_score":0.26061975955963135},{"text":"Yeah.","start":479.995,"end":480.395,"sentiment":"neutral","sentiment_score":0.07783832401037216}],"sentiment":"neutral","sentiment_score":0.032052378915250306,"num_words":5,"start":305.255,"end":480.395},{"sentences":[{"text":"I I think so.","start":480.395,"end":481.375,"sentiment":"neutral","sentiment_score":0.12120540626347065},{"text":"Yeah.","start":489.05,"end":489.44998,"sentiment":"neutral","sentiment_score":0.1635589450597763},{"text":"Change it.","start":489.44998,"end":490.27,"sentiment":"neutral","sentiment_score":0.22839559614658356},{"text":"Yeah.","start":536.58496,"end":537.08496,"sentiment":"neutral","sentiment_score":0.08101102709770203},{"text":"Yes.","start":541.66003,"end":542.16003,"sentiment":"neutral","sentiment_score":0.10581323504447936}],"sentiment":"neutral","sentiment_score":0.14355511383877861,"num_words":9,"start":480.395,"end":542.16003},{"sentences":[{"text":"That's alright.","start":559.175,"end":559.915,"sentiment":"neutral","sentiment_score":0.1257125437259674},{"text":"Yep.","start":571.47003,"end":571.97003,"sentiment":"neutral","sentiment_score":0.10252969712018968},{"text":"Okay.","start":580.03,"end":580.53,"sentiment":"neutral","sentiment_score":0.006498872768133879},{"text":"Not at the top of my head.","start":592.03503,"end":593.555,"sentiment":"neutral","sentiment_score":-0.23232863204819815},{"text":"So, I mean, what did they need that birth sorry.","start":593.555,"end":595.875,"sentiment":"neutral","sentiment_score":-0.32171188071370127}],"sentiment":"neutral","sentiment_score":-0.21347455114924482,"num_words":21,"start":559.175,"end":595.875},{"sentences":[{"text":"What did they need that birth certificate for?","start":595.875,"end":597.795,"sentiment":"neutral","sentiment_score":-0.2233432326465845},{"text":"Is that to, like, swap swap my bank around type of thing?","start":597.795,"end":602.56995,"sentiment":"neutral","sentiment_score":-0.17463858860234419},{"text":"Is that why they need the thing?","start":602.56995,"end":603.85,"sentiment":"neutral","sentiment_score":-0.1627656572631427},{"text":"Because otherwise, I'm gonna struggle to get that.","start":603.85,"end":605.94995,"sentiment":"negative","sentiment_score":-0.47299980744719505},{"text":"Yeah.","start":633.21,"end":633.71,"sentiment":"neutral","sentiment_score":-0.17371289432048798}],"sentiment":"neutral","sentiment_score":-0.2494299966428015,"num_words":36,"start":595.875,"end":633.71},{"sentences":[{"text":"Yeah.","start":666.08997,"end":666.41,"sentiment":"neutral","sentiment_score":0.00889180600643158},{"text":"Yeah.","start":666.41,"end":666.91,"sentiment":"neutral","sentiment_score":-0.0007429234683513641},{"text":"Yeah.","start":675.395,"end":675.635,"sentiment":"neutral","sentiment_score":0.03253351151943207},{"text":"Yeah.","start":675.635,"end":676.03503,"sentiment":"neutral","sentiment_score":0.012713821604847908},{"text":"Because all I had was my I had a British passport, which was it's pretty old.","start":676.03503,"end":680.995,"sentiment":"neutral","sentiment_score":-0.16552231111563742}],"sentiment":"neutral","sentiment_score":-0.12974803810939192,"num_words":20,"start":666.08997,"end":680.995},{"sentences":[{"text":"You know?","start":680.995,"end":681.235,"sentiment":"neutral","sentiment_score":-0.20804408192634583},{"text":"I don't fly anywhere, so that was already five, but that's all I had.","start":681.235,"end":683.88,"sentiment":"neutral","sentiment_score":-0.20537130215338298},{"text":"And they said, oh, that's rejected.","start":683.88,"end":685.32,"sentiment":"negative","sentiment_score":-0.4289609839518865},{"text":"You know?","start":685.32,"end":685.98,"sentiment":"neutral","sentiment_score":-0.32232221961021423},{"text":"Oh, damn it.","start":686.44,"end":687.16,"sentiment":"negative","sentiment_score":-0.42843164006869}],"sentiment":"neutral","sentiment_score":-0.28870339470881,"num_words":27,"start":680.995,"end":687.16},{"sentences":[{"text":"I don't know what to ask.","start":687.16,"end":688.54,"sentiment":"negative","sentiment_score":-0.4709169069925944},{"text":"Yeah.","start":706.175,"end":706.415,"sentiment":"neutral","sentiment_score":-0.02917139418423176},{"text":"Yeah.","start":706.415,"end":706.65497,"sentiment":"neutral","sentiment_score":-0.025447476655244827},{"text":"Mine is the same.","start":706.65497,"end":707.375,"sentiment":"neutral","sentiment_score":-0.15344944596290588},{"text":"I I thought my dad had it, but he can't find it.","start":707.375,"end":709.535,"sentiment":"neutral","sentiment_score":-0.29363851870099705}],"sentiment":"neutral","sentiment_score":-0.29239918004410964,"num_words":24,"start":687.16,"end":709.535},{"sentences":[{"text":"And, yeah, it wouldn't include.","start":709.535,"end":710.915,"sentiment":"neutral","sentiment_score":-0.3052209436893463},{"text":"Yeah.","start":717.59,"end":717.99,"sentiment":"neutral","sentiment_score":-0.011553581804037094},{"text":"Yeah.","start":717.99,"end":718.49,"sentiment":"neutral","sentiment_score":0.1347232609987259},{"text":"Yeah.","start":732.90497,"end":733.385,"sentiment":"neutral","sentiment_score":0.1395801305770874},{"text":"Yeah.","start":733.385,"end":733.865,"sentiment":"neutral","sentiment_score":0.13973000645637512}],"sentiment":"neutral","sentiment_score":-0.12484721135762003,"num_words":9,"start":709.535,"end":733.865},{"sentences":[{"text":"Yes.","start":733.865,"end":734.345,"sentiment":"neutral","sentiment_score":0.19155585765838623},{"text":"Yeah.","start":734.345,"end":734.585,"sentiment":"neutral","sentiment_score":0.21765545010566711},{"text":"That's Yeah.","start":734.585,"end":747.97,"sentiment":"neutral","sentiment_score":0.22293762862682343},{"text":"Yeah.","start":747.97,"end":748.21,"sentiment":"neutral","sentiment_score":0.13336768746376038},{"text":"Couple every couple of months.","start":748.21,"end":749.49,"sentiment":"neutral","sentiment_score":0.1334744170308113}],"sentiment":"neutral","sentiment_score":0.1655826337635517,"num_words":10,"start":733.865,"end":749.49},{"sentences":[{"text":"Yeah.","start":749.49,"end":749.65,"sentiment":"neutral","sentiment_score":0.17473873496055603},{"text":"That's fine.","start":749.65,"end":750.39,"sentiment":"neutral","sentiment_score":0.2312733307480812},{"text":"Yeah.","start":770.265,"end":770.61,"sentiment":"neutral","sentiment_score":0.30780428647994995},{"text":"Yeah.","start":795.135,"end":795.635,"sentiment":"neutral","sentiment_score":0.13727381825447085},{"text":"Yeah.","start":795.77496,"end":796.015,"sentiment":"neutral","sentiment_score":0.13839271664619446}],"sentiment":"neutral","sentiment_score":0.2034593696395556,"num_words":6,"start":749.49,"end":796.015},{"sentences":[{"text":"Okay.","start":796.015,"end":796.415,"sentiment":"neutral","sentiment_score":0.20091035962104797},{"text":"No problem.","start":796.415,"end":797.15497,"sentiment":"positive","sentiment_score":0.33414097130298615},{"text":"Okay.","start":803.98,"end":804.3,"sentiment":"positive","sentiment_score":0.507054328918457},{"text":"Thank you very much.","start":804.3,"end":805.36,"sentiment":"positive","sentiment_score":0.7699691355228424},{"text":"Okay.","start":807.98,"end":808.3,"sentiment":"neutral","sentiment_score":0.20834161341190335}],"sentiment":"positive","sentiment_score":0.5182738651831945,"num_words":9,"start":796.015,"end":808.3},{"sentences":[{"text":"Bye.","start":808.3,"end":808.62,"sentiment":"neutral","sentiment_score":0.2298317402601242},{"text":"Thanks.","start":808.62,"end":809.12,"sentiment":"positive","sentiment_score":0.5056345462799072},{"text":"Bye bye.","start":810.7,"end":811.44,"sentiment":"neutral","sentiment_score":0.007513038814067841}],"sentiment":"neutral","sentiment_score":0.18762309104204178,"num_words":4,"start":808.3,"end":811.44}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Matthew. This is Veronica from IC Financial. How are you?\n\nChannel 1: Yeah. Good. Your line is really quiet compared to the other person.\n\nChannel 0: Oh, really?\n\nChannel 1: I can barely hear you.\n\nChannel 0: Alright.\n\nChannel 1: It's\n\nChannel 0: Let\n\nChannel 1: like\n\nChannel 0: me see\n\nChannel 1: almost\n\nChannel 0: if I\n\nChannel 1: like you're whispering.\n\nChannel 0: can let me see. I've just turned up the the volume. Can you hear that better, or is it still\n\nChannel 1: Sorry?\n\nChannel 0: a bit quiet? Can you hear that a bit better? I've just turned up the volume.\n\nChannel 1: Nah. You're really quiet. My the last time I talked to it, it was pretty loud, but you're very quiet.\n\nChannel 0: Okay. I do have it on the max setting. I'll speak to the IT team I have left for today, so I won't be able to adjust anything. Can you still hear me, though, or do you\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: can just see. I can just see.\n\nChannel 0: yep. Okay. I'll try to just talk very loudly, and everyone around me just have to deal with it\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: and and see. If you can't, though, just feel free to interrupt me, and I'll I'll try my best to make it as loud as I can. But, yeah, I have turned up on Mac. So, hopefully, it is, yeah, at least okay for you.\n\nChannel 1: Yeah. I can I can just yeah? My car is pretty loud as well, so sorry about that.\n\nChannel 0: No. That's okay. Now, ma, I did have you booked in because I know you had your quarterly review with my colleague, Michelle, and you did wanted to talk a little bit more about the the Benelon. But before I do go in there, I did wanted to check if the mortgage broker ended up calling you back and that got sorted, Or what kind of happened with all of that for you?\n\nChannel 1: Okay.\n\nChannel 0: Did she end up calling you back?\n\nChannel 1: Did she end up calling back the the mortgage broker?\n\nChannel 0: Yes.\n\nChannel 1: Yeah. She called me she messaged me back, and,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I've got an appointment tomorrow with the mortgage broker about a pre preliminary assessment or something along\n\nChannel 0: Okay.\n\nChannel 1: those lines.\n\nChannel 0: Okay.\n\nChannel 1: But they're after a birth certificate, and and god knows where that went. That is I spent two days looking for it. I still can't find it, so I don't know what to do about that.\n\nChannel 0: Yeah. No. That's okay.\n\nChannel 1: It's\n\nChannel 0: I'm\n\nChannel 1: not\n\nChannel 0: sure\n\nChannel 1: like\n\nChannel 0: there's\n\nChannel 1: I'm looking at that sort of stuff every single day. I don't know where it is.\n\nChannel 0: no. No. It's one of those things. Like you said, you don't really have to worry about it. It's just kind of buried and hidden.\n\nBut I am glad that at least you have an appointment with her and that kind of at least got on the way. So let me know how everything goes with all of that and\n\nChannel 1: Yeah.\n\nChannel 0: and how it all goes. So that at least is good that you do have an appointment tomorrow. Otherwise, when you did have your interview with Michelle, it was mainly to kind of talk about the Benelon investment. Is that correct?\n\nChannel 1: There was some investment that they've met that someone mentioned that, I don't know,\n\nChannel 0: Okay.\n\nChannel 1: was doing not very well or something like that.\n\nChannel 0: Okay. So I've had a bit of a look at your portfolio in hub twenty four. And, overall, it's actually done pretty well considering everything that's going on in the world and in the market.\n\nChannel 1: Yeah.\n\nChannel 0: So, obviously, in the last twelve months because I'm looking at a twelve month report for you. And, obviously, in the last twelve months, there's been a lot of a lot of things in the world. Obviously, everything over in The US and Trump and the tariffs and everything saw fluctuations. And, obviously, more recently now with everything going on in The Middle East, we are seeing, obviously, some fluctuations to the market. So despite of that, that it's been a little bit more turbulent than we we sometimes see.\n\nIn the last twelve months now this is as well factoring in after all fees have come out of your account. Your portfolio has still gone up by 9.44%, which in today's kind of factoring in the last twelve months is actually pretty good for what's going on. So that isn't too bad. It's actually pretty good after phase that it's still going up by that 9.44%. So overall,\n\nChannel 1: Okay. 9%, you're saying?\n\nChannel 0: 9.44 after phase,\n\nChannel 1: Okay.\n\nChannel 0: which which is pretty good. Now while I have a look at all your investments, I can hear a bit better now. So, hopefully, you can hear me a bit better as well.\n\nChannel 1: Yeah. I just I'm in the traffic now. I'm staying still. So that's probably\n\nChannel 0: I\n\nChannel 1: why.\n\nChannel 0: was like, oh, it got it got nice and quiet now. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: so good.\n\nChannel 1: No. I pranked my I pranked the the work van and the door got a little bit bent and it's letting in a bit of the air and it's making such a wind noise when I'm driving.\n\nChannel 0: That's all good. Now overall, if you as your portfolio had a look at, a lot of the investments are still doing pretty good. Overall, as the structure, it is doing really good. But it is correct. There is one particular investment that I would like to look at changing.\n\nThat\n\nChannel 1: Yep.\n\nChannel 0: is your Benelung Australian equity. So that one has gone down, and that one has seen a bit of fluctuations and have underperformed recently. So\n\nChannel 1: Yeah.\n\nChannel 0: that one works a little bit different. So the Benelung Australian equity, it is a managed fund. Now this was added to your portfolio when you came on board because it had done really well, and has done pretty well as well. And the reason that was added to your portfolio is because they are trying to actively buy and sell investments in order to try to outperform the market. That is kind of their function for the managed fund, but it has kind\n\nChannel 1: Yeah.\n\nChannel 0: of underperformed recently. Now one of the contributing factors through it is that one of the investments that they had in their portfolio is the corporate travel group. You may have heard or seen in the news or anything, but they had a bit of issues with that reporting, which actually caused them to having to suspend trading, which obviously saw everything drop. So that one has seen a bit of a drop to your portfolio, which, again, considering everything else, it's still done really well. But the has underperformed, and we wanna make sure that, obviously, at all points in time, we have you in the investment that's going to do the best for you.\n\nAnd it's not always going to be that the investments that we recommended for you and that we have you in is going to be the best moving forward. A good thing with HAP twenty four is that there's, you know, hundreds of different options that we can chop swap and change for if we could see one not going to do so well moving forward. Now\n\nChannel 1: Yeah.\n\nChannel 0: the investment team as well with Benelon, they have kind of they've made a couple of high conviction position that have underperformed, and we all kind of believe that it's not going to be the best option for you moving forward. So if you are happy for me to do so, we've done a lot of research on an investment switch for Benelon. Now we do wanna make sure that we stay with the same investment philosophy. The structure's the same. The asset allocation is the same.\n\nSo if we are swapping your Australian investment, we do wanna swap it in with another Australian option because we don't wanna obviously have you too concentrated in, like, The US or just in Australia. We wanna make sure we have you diversified across the globe. So if we are swapping an Australian investment, we have looked at an alternative Australian option for you, and that is the a 200. Now this one isn't the whole active management. So, basically, this one is trying to track the 200 largest companies listed in The US sorry, in Australia.\n\nSo because of that,\n\nChannel 1: Okay.\n\nChannel 0: it's actually a lot cheaper in fees because you don't have as much kind of going into trying to outperform the market. And if you are paying more in fees and trying to outperform the market, if it hasn't done that, it's not worth paying the fees for it. Does that make sense so far, Matthew?\n\nChannel 1: Yeah. I I think so.\n\nChannel 0: Yeah. So, basically, we have found a replacement for you that we can go ahead and change as long as you're happy to do so,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Change\n\nChannel 0: is just,\n\nChannel 1: it.\n\nChannel 0: yeah, which is just literally changing Ben along to one other investment. It is reducing the fees overall, which is great. It is also kind of the maintaining that diversified Australian exposure, and it has improved returns a little bit, which is great. So if you're obviously happy to do so, what I'm going to do is I will just go and make that switch for you. Now I will still send you something that's called a record of advice.\n\nYou don't need to sign it or anything. It is just a document for your reference to say that we've gone ahead and made these change, and these are the reasons why we have done so. You can obviously have a read through it and stuff like that. Like I said, you don't need to sign it or anything. It is just for your record, and that is the\n\nChannel 1: Yeah.\n\nChannel 0: only thing that's changing just to try to approve your position moving forward.\n\nChannel 1: Yes.\n\nChannel 0: Now I will try to get that through you as soon as I can, but it might be a Monday because I'm not in the office on Friday. But I will try my best to have that to you by Monday, if that's okay.\n\nChannel 1: That's alright.\n\nChannel 0: Yes. Perfect. So keep a lookout for your email. As soon as we've sent that through, I'll get the team to authorize that change. You will see it as well in Hub 24 if you go and have a look at it.\n\nOtherwise, you will just\n\nChannel 1: Yep.\n\nChannel 0: see that swap over change for you. So we'll go ahead and and do all of that in the back end.\n\nChannel 1: Okay.\n\nChannel 0: Now is there any other questions or concerns or anything else you would like me to address for you today, Matthew?\n\nChannel 1: Not at the top of my head. So, I mean,\n\nChannel 0: No?\n\nChannel 1: what did they need that birth sorry. What did they need that birth certificate for? Is that to, like, swap swap my bank around type of thing? Is that why they need the thing? Because otherwise, I'm gonna struggle to get that.\n\nChannel 0: No. I think it's more from a identification verification purposes. I knew as well that when I went through my mortgage review, they asked for identification. So they could sometimes have different modes of identification. Now I didn't have my birth certificate either because I'm I'm from Sweden.\n\nSee if you hear a bit of an accent. That's why. A little bit harder for me\n\nChannel 1: Yeah.\n\nChannel 0: to find. So I had two passwords instead, so that was fine. So sometimes there's different documents that you can prove for them otherwise. They wouldn't go ahead and authorize any change or anything with you without obviously your consent. So, typically, in the beginning, it's just to verify who you are, and it's kind of similar to our anti money laundering and counterterrorism rules that we have, which is why we have to keep an ID on file for you to verify that you are who you are.\n\nSo it's probably, like,\n\nChannel 1: Yeah.\n\nChannel 0: a similar\n\nChannel 1: Yeah.\n\nChannel 0: thing with just verifying who you are, and just let her know as well that you don't have a birth certificate. Is there anything else that you can provide instead,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Yeah.\n\nChannel 0: I'm sure\n\nChannel 1: Because\n\nChannel 0: they'll\n\nChannel 1: all\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: able\n\nChannel 1: had\n\nChannel 0: to work\n\nChannel 1: was\n\nChannel 0: around?\n\nChannel 1: my I had a British passport, which was it's pretty old. You know? I don't fly anywhere, so that was\n\nChannel 0: Yeah.\n\nChannel 1: already five, but that's all I had. And they said, oh, that's rejected. You know? Oh, damn it. I don't know what to ask.\n\nChannel 0: Yes. And I'm sure there'll be a bit different ways you can find something because, yeah, I've I've struggled finding my birth certificate as well because I have moved overseas and don't know where. I'm sure it's somewhere with mom and dad back back in Sweden, but I don't know where. So\n\nChannel 1: Yeah. Yeah. Mine is the same. I I thought my dad had it, but he can't find it. And, yeah, it wouldn't include.\n\nChannel 0: and then paper trails as well. It's like you move around, and it's like, I don't know where it is. So\n\nChannel 1: Yeah.\n\nChannel 0: I'm\n\nChannel 1: Yeah.\n\nChannel 0: sure I'm sure they was able to work around it. So let me know as well, obviously, how everything goes, if you need any other assistance. Otherwise, I do have you here that we kind of touch base on a quarterly basis that you do prefer quarterly catch up. Is that correct?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. Yeah. That's\n\nChannel 0: Yeah. So I'll kind of touch base in about, yeah, a couple of months or so in the next quarter unless you need anything urgently or before that. Then obviously give me a call or send us an email, and we can book in\n\nChannel 1: Yeah.\n\nChannel 0: an\n\nChannel 1: Yeah.\n\nChannel 0: appointment\n\nChannel 1: Couple every couple of months. Yeah. That's\n\nChannel 0: earlier.\n\nChannel 1: fine.\n\nChannel 0: Yeah. And then it's kind of it's coming up as well. So around November, it's your kind of bigger annual review where we do go through things in a bit more detail. And if you do wanna move it forward to next time, we can do it as well, which is a little bit more kind of in-depth in in everything as well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Now if you don't have any other questions or need anything else from me today, Matthew, I will let you go and enjoy your afternoon. Keep a lookout for that email to come through just so you have it for your reference that we are making that change to the Bennelong investment. And if there is anything else that you do need, though, don't hesitate to give us a call or send me an email as well.\n\nChannel 1: Yeah. Yeah. Okay. No problem.\n\nChannel 0: Yeah. No problem at all. Well, thank you so much for your time this afternoon, Matthew, and I look forward to speaking with you soon again.\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: Okay. Bye. Thanks.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Matthew.","start":1.68,"end":2.6399999,"sentiment":"positive","sentiment_score":0.4526977439721425},{"text":"This is Veronica from IC Financial.","start":2.6399999,"end":4.42,"sentiment":"positive","sentiment_score":0.34398483236630756},{"text":"How are you?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.29344309369723004}],"sentiment":"positive","sentiment_score":0.35852762560049695,"channel":0,"num_words":12,"start":1.68,"end":5.2999997},{"sentences":[{"text":"Yeah.","start":5.92,"end":6.08,"sentiment":"neutral","sentiment_score":0.2884901165962219},{"text":"Good.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.5315009951591492},{"text":"Your line is really quiet compared to the other 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better?","start":24.145,"end":25.425,"sentiment":"neutral","sentiment_score":-0.06871695177895683},{"text":"I've just turned up the volume.","start":25.425,"end":26.805,"sentiment":"neutral","sentiment_score":-0.017722006887197495}],"sentiment":"neutral","sentiment_score":-0.05353639833629131,"channel":0,"num_words":16,"start":23.185001,"end":26.805},{"sentences":[{"text":"Nah.","start":27.93,"end":28.41,"sentiment":"neutral","sentiment_score":-0.07065343856811523},{"text":"You're really quiet.","start":28.41,"end":29.37,"sentiment":"neutral","sentiment_score":-0.10458017140626907},{"text":"My the last time I talked to it, it was pretty loud, but you're very 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can.","start":57.379997,"end":62.579998,"sentiment":"neutral","sentiment_score":-0.02197302544179062},{"text":"But, yeah, I have turned up on Mac.","start":62.579998,"end":64.44,"sentiment":"neutral","sentiment_score":0.0861698854714632},{"text":"So, hopefully, it is, yeah, at least okay for you.","start":64.58,"end":69.755005,"sentiment":"neutral","sentiment_score":0.23012762367725373}],"sentiment":"neutral","sentiment_score":0.056924309705694516,"channel":0,"num_words":45,"start":56.66,"end":69.755005},{"sentences":[{"text":"Yeah.","start":70.485,"end":70.725006,"sentiment":"neutral","sentiment_score":0.0531027615070343},{"text":"I can I can just yeah?","start":70.725006,"end":71.765,"sentiment":"neutral","sentiment_score":0.025803163337210815},{"text":"My car is pretty loud as well, so sorry about that.","start":71.765,"end":74.105,"sentiment":"neutral","sentiment_score":-0.28945969451557507}],"sentiment":"neutral","sentiment_score":-0.16534082767450148,"channel":1,"num_words":18,"start":70.485,"end":74.105},{"sentences":[{"text":"No.","start":74.375,"end":74.695,"sentiment":"neutral","sentiment_score":-0.15909019112586975},{"text":"That's okay.","start":74.695,"end":75.595,"sentiment":"neutral","sentiment_score":-0.07180208154022694},{"text":"Now, ma, I did have you booked in because I know you had your quarterly review with my colleague, Michelle, and you did wanted to talk a little bit more about the the Benelon.","start":76.695,"end":87.08,"sentiment":"neutral","sentiment_score":0.0635341492426746},{"text":"But before I do go in there, I did wanted to check if the mortgage broker ended up calling you back and that got sorted, Or what kind of happened with all of that for 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okay.","start":131.80501,"end":132.60501,"sentiment":"neutral","sentiment_score":-0.03255775384604931}],"sentiment":"neutral","sentiment_score":-0.05871513020247221,"channel":0,"num_words":4,"start":130.365,"end":132.60501},{"sentences":[{"text":"It's","start":132.565,"end":132.725,"sentiment":"neutral","sentiment_score":-0.03458447381854057}],"sentiment":"neutral","sentiment_score":-0.03458447381854057,"channel":1,"num_words":1,"start":132.565,"end":132.725},{"sentences":[{"text":"I'm","start":132.60501,"end":132.765,"sentiment":"neutral","sentiment_score":-0.0711316168308258}],"sentiment":"neutral","sentiment_score":-0.0711316168308258,"channel":0,"num_words":1,"start":132.60501,"end":132.765},{"sentences":[{"text":"not","start":132.725,"end":132.885,"sentiment":"neutral","sentiment_score":-0.1553424596786499}],"sentiment":"neutral","sentiment_score":-0.1553424596786499,"channel":1,"num_words":1,"start":132.725,"end":132.885},{"sentences":[{"text":"sure","start":132.765,"end":133.005,"sentiment":"neutral","sentiment_score":-0.15872199833393097}],"sentiment":"neutral","sentiment_score":-0.15872199833393097,"channel":0,"num_words":1,"start":132.765,"end":133.005},{"sentences":[{"text":"like","start":132.885,"end":133.385,"sentiment":"neutral","sentiment_score":-0.17696261405944824}],"sentiment":"neutral","sentiment_score":-0.17696261405944824,"channel":1,"num_words":1,"start":132.885,"end":133.385},{"sentences":[{"text":"there's","start":133.005,"end":133.505,"sentiment":"neutral","sentiment_score":-0.19282469153404236}],"sentiment":"neutral","sentiment_score":-0.19282469153404236,"channel":0,"num_words":1,"start":133.005,"end":133.505},{"sentences":[{"text":"I'm 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goes.","start":153.97499,"end":154.935,"sentiment":"positive","sentiment_score":0.3401218354701996},{"text":"So that at least is good that you do have an appointment tomorrow.","start":154.935,"end":157.755,"sentiment":"positive","sentiment_score":0.6099235713481903},{"text":"Otherwise, when you did have your interview with Michelle, it was mainly to kind of talk about the Benelon investment.","start":159.97499,"end":166.66,"sentiment":"neutral","sentiment_score":-0.0042530892882496115},{"text":"Is that correct?","start":166.88,"end":167.70001,"sentiment":"neutral","sentiment_score":0.0238906213392814}],"sentiment":"neutral","sentiment_score":0.23454208983244693,"channel":0,"num_words":41,"start":153.97499,"end":167.70001},{"sentences":[{"text":"There was some investment that they've met that someone mentioned that, I don't 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account.","start":217.1,"end":224.48001,"sentiment":"neutral","sentiment_score":0.009282172480154605},{"text":"Your portfolio has still gone up by 9.44%, which in today's kind of factoring in the last twelve months is actually pretty good for what's going on.","start":225.18001,"end":236.035,"sentiment":"positive","sentiment_score":0.6830593623496868},{"text":"So that isn't too bad.","start":236.255,"end":237.695,"sentiment":"positive","sentiment_score":0.53464595079422},{"text":"It's actually pretty good after phase that it's still going up by that 9.44%.","start":237.695,"end":242.995,"sentiment":"positive","sentiment_score":0.6447639465332031},{"text":"So overall,","start":243.535,"end":244.515,"sentiment":"neutral","sentiment_score":0.2485087811946869}],"sentiment":"positive","sentiment_score":0.4468763909181175,"channel":0,"num_words":69,"start":217.1,"end":244.515},{"sentences":[{"text":"Okay.","start":244.25,"end":244.73001,"sentiment":"neutral","sentiment_score":0.23119956254959104},{"text":"9%, you're saying?","start":244.73001,"end":245.895,"sentiment":"neutral","sentiment_score":0.12413666894038518}],"sentiment":"neutral","sentiment_score":0.15090239234268665,"channel":1,"num_words":4,"start":244.25,"end":245.895},{"sentences":[{"text":"9.44 after phase,","start":246.42,"end":248.84,"sentiment":"neutral","sentiment_score":0.11328832556804021}],"sentiment":"neutral","sentiment_score":0.11328832556804021,"channel":0,"num_words":3,"start":246.42,"end":248.84},{"sentences":[{"text":"Okay.","start":248.77501,"end":249.27501,"sentiment":"neutral","sentiment_score":0.3272726833820343}],"sentiment":"neutral","sentiment_score":0.3272726833820343,"channel":1,"num_words":1,"start":248.77501,"end":249.27501},{"sentences":[{"text":"which which is pretty good.","start":249.45999,"end":251.08,"sentiment":"positive","sentiment_score":0.4975810706615448},{"text":"Now while I have a look at all your investments, I can hear a bit better now.","start":251.22,"end":256.74,"sentiment":"neutral","sentiment_score":0.16872921980479183},{"text":"So, hopefully, you can hear me a bit better as well.","start":256.74,"end":259.32,"sentiment":"neutral","sentiment_score":0.14519221809777347}],"sentiment":"neutral","sentiment_score":0.210709590577718,"channel":0,"num_words":33,"start":249.45999,"end":259.32},{"sentences":[{"text":"Yeah.","start":259.57,"end":259.81,"sentiment":"neutral","sentiment_score":0.05557800084352493},{"text":"I just I'm in the traffic now.","start":259.81,"end":261.41,"sentiment":"neutral","sentiment_score":-0.023290988856128285},{"text":"I'm staying still.","start":261.41,"end":262.13,"sentiment":"neutral","sentiment_score":-0.025827684129277866},{"text":"So that's probably","start":262.13,"end":263.57,"sentiment":"neutral","sentiment_score":0.024844297518332798}],"sentiment":"neutral","sentiment_score":-0.00788636292730059,"channel":1,"num_words":14,"start":259.57,"end":263.57},{"sentences":[{"text":"I","start":263.485,"end":263.725,"sentiment":"neutral","sentiment_score":0.014478884637355804}],"sentiment":"neutral","sentiment_score":0.014478884637355804,"channel":0,"num_words":1,"start":263.485,"end":263.725},{"sentences":[{"text":"why.","start":263.57,"end":264.07,"sentiment":"neutral","sentiment_score":0.007902828976511955}],"sentiment":"neutral","sentiment_score":0.007902828976511955,"channel":1,"num_words":1,"start":263.57,"end":264.07},{"sentences":[{"text":"was like, oh, it got it got nice and quiet now.","start":263.725,"end":266.225,"sentiment":"neutral","sentiment_score":0.07062768529761922},{"text":"No.","start":266.445,"end":266.685,"sentiment":"neutral","sentiment_score":0.013078877702355385},{"text":"That's","start":266.685,"end":267.005,"sentiment":"neutral","sentiment_score":0.04514265805482864}],"sentiment":"neutral","sentiment_score":0.06424046723315349,"channel":0,"num_words":13,"start":263.725,"end":267.005},{"sentences":[{"text":"Yeah.","start":266.69,"end":267.19,"sentiment":"neutral","sentiment_score":0.13661128282546997}],"sentiment":"neutral","sentiment_score":0.13661128282546997,"channel":1,"num_words":1,"start":266.69,"end":267.19},{"sentences":[{"text":"so good.","start":267.005,"end":267.665,"sentiment":"neutral","sentiment_score":0.2665952295064926}],"sentiment":"neutral","sentiment_score":0.2665952295064926,"channel":0,"num_words":2,"start":267.005,"end":267.665},{"sentences":[{"text":"No.","start":267.49002,"end":267.73,"sentiment":"neutral","sentiment_score":-0.05119605362415314},{"text":"I pranked my I pranked the the work van and the door got a little bit bent and it's letting in a bit of the air and it's making such a wind noise when I'm driving.","start":267.73,"end":275.26498,"sentiment":"neutral","sentiment_score":-0.18843460807369816}],"sentiment":"neutral","sentiment_score":-0.18472545795344017,"channel":1,"num_words":37,"start":267.49002,"end":275.26498},{"sentences":[{"text":"That's all good.","start":275.97998,"end":277.03998,"sentiment":"neutral","sentiment_score":0.29030956824620563},{"text":"Now overall, if you as your portfolio had a look at, a lot of the investments are still doing pretty good.","start":277.74,"end":283.36,"sentiment":"neutral","sentiment_score":0.2693031742459252},{"text":"Overall, as the structure, it is doing really good.","start":283.58,"end":286.56,"sentiment":"positive","sentiment_score":0.45858943462371826},{"text":"But it is correct.","start":287.05502,"end":287.855,"sentiment":"neutral","sentiment_score":0.17077602073550224},{"text":"There is one particular investment that I would like to look at changing.","start":287.855,"end":292.27502,"sentiment":"neutral","sentiment_score":-0.0007027384753410636}],"sentiment":"neutral","sentiment_score":0.22655137516558171,"channel":0,"num_words":50,"start":275.97998,"end":292.27502},{"sentences":[{"text":"That","start":293.375,"end":293.61502,"sentiment":"neutral","sentiment_score":0.012309644371271132}],"sentiment":"neutral","sentiment_score":0.012309644371271132,"channel":0,"num_words":1,"start":293.375,"end":293.61502},{"sentences":[{"text":"Yep.","start":293.54,"end":294.04,"sentiment":"neutral","sentiment_score":0.010652922093868256}],"sentiment":"neutral","sentiment_score":0.010652922093868256,"channel":1,"num_words":1,"start":293.54,"end":294.04},{"sentences":[{"text":"is your Benelung Australian equity.","start":293.61502,"end":296.435,"sentiment":"neutral","sentiment_score":0.0025531481951475143},{"text":"So that one has gone down, and that one has seen a bit of fluctuations and have underperformed recently.","start":296.49503,"end":303.57,"sentiment":"neutral","sentiment_score":-0.04989484991682203},{"text":"So","start":304.35,"end":304.85,"sentiment":"neutral","sentiment_score":-0.012578509747982023}],"sentiment":"neutral","sentiment_score":-0.03791259668767452,"channel":0,"num_words":25,"start":293.61502,"end":304.85},{"sentences":[{"text":"Yeah.","start":305.255,"end":305.755,"sentiment":"neutral","sentiment_score":0.005332121625542641}],"sentiment":"neutral","sentiment_score":0.005332121625542641,"channel":1,"num_words":1,"start":305.255,"end":305.755},{"sentences":[{"text":"that one works a little bit different.","start":305.31,"end":306.99,"sentiment":"neutral","sentiment_score":0.003454958753926413},{"text":"So the Benelung Australian equity, it is a managed fund.","start":306.99,"end":311.025,"sentiment":"neutral","sentiment_score":0.026872959174215793},{"text":"Now this was added to your portfolio when you came on board because it had done really well, and has done pretty well as well.","start":311.345,"end":318.645,"sentiment":"neutral","sentiment_score":0.2520646312832832},{"text":"And the reason that was added to your portfolio is because they are trying to actively buy and sell investments in order to try to outperform the market.","start":319.025,"end":329.15,"sentiment":"neutral","sentiment_score":0.06276276029114213},{"text":"That is kind of their function for the managed fund, but it has kind","start":329.45,"end":333.29,"sentiment":"neutral","sentiment_score":0.028194415782179152}],"sentiment":"neutral","sentiment_score":0.10412629993100252,"channel":0,"num_words":84,"start":305.31,"end":333.29},{"sentences":[{"text":"Yeah.","start":333.085,"end":333.585,"sentiment":"neutral","sentiment_score":-0.011843136511743069}],"sentiment":"neutral","sentiment_score":-0.011843136511743069,"channel":1,"num_words":1,"start":333.085,"end":333.585},{"sentences":[{"text":"of underperformed recently.","start":333.29,"end":335.39,"sentiment":"neutral","sentiment_score":-0.03204695011178652},{"text":"Now one of the contributing factors through it is that one of the investments that they had in their portfolio is the corporate travel group.","start":336.09,"end":345.995,"sentiment":"neutral","sentiment_score":0.05361397884786129},{"text":"You may have heard or seen in the news or anything, but they had a bit of issues with that reporting, which actually caused them to having to suspend trading, which obviously saw everything drop.","start":346.135,"end":357.96,"sentiment":"neutral","sentiment_score":-0.19150523713656833},{"text":"So that one has seen a bit of a drop to your portfolio, which, again, considering everything else, it's still done really well.","start":358.25998,"end":366.36,"sentiment":"neutral","sentiment_score":-0.19938622155915137},{"text":"But the has underperformed, and we wanna make sure that, obviously, at all points in time, we have you in the investment that's going to do the best for you.","start":366.455,"end":374.475,"sentiment":"positive","sentiment_score":0.37452158133188884}],"sentiment":"neutral","sentiment_score":0.010269738492909176,"channel":0,"num_words":116,"start":333.29,"end":374.475},{"sentences":[{"text":"And it's not always going to be that the investments that we recommended for you and that we have you in is going to be the best moving forward.","start":374.695,"end":381.835,"sentiment":"neutral","sentiment_score":-0.08271024368125303},{"text":"A good thing with HAP twenty four is that there's, you know, hundreds of different options that we can chop swap and change for if we could see one not going to do so well moving forward.","start":382.11,"end":393.33,"sentiment":"neutral","sentiment_score":0.2363277498531986},{"text":"Now","start":394.50998,"end":394.90997,"sentiment":"neutral","sentiment_score":-0.06926363706588745}],"sentiment":"neutral","sentiment_score":0.0936756125484496,"channel":0,"num_words":67,"start":374.695,"end":394.90997},{"sentences":[{"text":"Yeah.","start":394.565,"end":395.065,"sentiment":"neutral","sentiment_score":-0.17168517410755155}],"sentiment":"neutral","sentiment_score":-0.17168517410755155,"channel":1,"num_words":1,"start":394.565,"end":395.065},{"sentences":[{"text":"the investment team as well with Benelon, they have kind of they've made a couple of high conviction position that have underperformed, and we all kind of believe that it's not going to be the best option for you moving forward.","start":394.90997,"end":407.245,"sentiment":"negative","sentiment_score":-0.3873394426049256},{"text":"So if you are happy for me to do so, we've done a lot of research on an investment switch for Benelon.","start":407.305,"end":415.19,"sentiment":"neutral","sentiment_score":-0.03509104618040675},{"text":"Now we do wanna make sure that we stay with the same investment philosophy.","start":415.65,"end":421.03,"sentiment":"neutral","sentiment_score":0.12757679607186997},{"text":"The structure's the same.","start":421.25,"end":422.53,"sentiment":"neutral","sentiment_score":0.15255970880389214},{"text":"The asset allocation is the same.","start":422.53,"end":424.63,"sentiment":"neutral","sentiment_score":0.11881285657485326}],"sentiment":"neutral","sentiment_score":-0.15567504647241412,"channel":0,"num_words":87,"start":394.90997,"end":424.63},{"sentences":[{"text":"So if we are swapping your Australian investment, we do wanna swap it in with another Australian option because we don't wanna obviously have you too concentrated in, like, The US or just in Australia.","start":424.85,"end":437.125,"sentiment":"neutral","sentiment_score":0.0533656687608787},{"text":"We wanna make sure we have you diversified across the globe.","start":437.125,"end":440.025,"sentiment":"neutral","sentiment_score":0.12779860875823282},{"text":"So if we are swapping an Australian investment, we have looked at an alternative Australian option for you, and that is the a 200.","start":440.405,"end":450.72,"sentiment":"neutral","sentiment_score":0.11515963977823655},{"text":"Now this one isn't the whole active management.","start":451.1,"end":453.44,"sentiment":"neutral","sentiment_score":-0.08436362026259303},{"text":"So, basically, this one is trying to track the 200 largest companies listed in The US sorry, in Australia.","start":454.02002,"end":462.505,"sentiment":"neutral","sentiment_score":0.05995850382666839}],"sentiment":"neutral","sentiment_score":0.06702801101293761,"channel":0,"num_words":97,"start":424.85,"end":462.505},{"sentences":[{"text":"So because of that,","start":463.125,"end":464.325,"sentiment":"neutral","sentiment_score":0.11197149567306042}],"sentiment":"neutral","sentiment_score":0.11197149567306042,"channel":0,"num_words":4,"start":463.125,"end":464.325},{"sentences":[{"text":"Okay.","start":464.02,"end":464.52,"sentiment":"neutral","sentiment_score":0.26061975955963135}],"sentiment":"neutral","sentiment_score":0.26061975955963135,"channel":1,"num_words":1,"start":464.02,"end":464.52},{"sentences":[{"text":"it's actually a lot cheaper in fees because you don't have as much kind of going into trying to outperform the market.","start":464.325,"end":471.445,"sentiment":"neutral","sentiment_score":0.23302128640088168},{"text":"And if you are paying more in fees and trying to outperform the market, if it hasn't done that, it's not worth paying the fees for it.","start":471.445,"end":477.72998,"sentiment":"negative","sentiment_score":-0.4658778331897877},{"text":"Does that make sense so far, Matthew?","start":477.72998,"end":479.43,"sentiment":"neutral","sentiment_score":-0.07132931000420026}],"sentiment":"neutral","sentiment_score":-0.14199175652382628,"channel":0,"num_words":56,"start":464.325,"end":479.43},{"sentences":[{"text":"Yeah.","start":479.995,"end":480.395,"sentiment":"neutral","sentiment_score":0.07783832401037216},{"text":"I I think so.","start":480.395,"end":481.375,"sentiment":"neutral","sentiment_score":0.12120540626347065}],"sentiment":"neutral","sentiment_score":0.11253198981285095,"channel":1,"num_words":5,"start":479.995,"end":481.375},{"sentences":[{"text":"Yeah.","start":481.65,"end":482.15,"sentiment":"neutral","sentiment_score":0.15839412808418274},{"text":"So, basically, we have found a replacement for you that we can go ahead and change as long as you're happy to do 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just,","start":489.54498,"end":490.125,"sentiment":"neutral","sentiment_score":0.1812337040901184}],"sentiment":"neutral","sentiment_score":0.1812337040901184,"channel":0,"num_words":2,"start":489.54498,"end":490.125},{"sentences":[{"text":"it.","start":489.77,"end":490.27,"sentiment":"neutral","sentiment_score":0.2199057340621948}],"sentiment":"neutral","sentiment_score":0.2199057340621948,"channel":1,"num_words":1,"start":489.77,"end":490.27},{"sentences":[{"text":"yeah, which is just literally changing Ben along to one other investment.","start":490.345,"end":493.965,"sentiment":"neutral","sentiment_score":0.3273318161567052},{"text":"It is reducing the fees overall, which is great.","start":494.425,"end":497.405,"sentiment":"positive","sentiment_score":0.771665632724762},{"text":"It is also kind of the maintaining that diversified Australian exposure, and it has improved returns a little bit, which is great.","start":497.945,"end":506.15997,"sentiment":"positive","sentiment_score":0.7503338916735216},{"text":"So if you're obviously happy to do so, what I'm going to do is I will just go and make that switch for you.","start":506.46,"end":512.14,"sentiment":"positive","sentiment_score":0.4581191601852576},{"text":"Now I will still send you something that's called a record of advice.","start":512.14,"end":517.04,"sentiment":"neutral","sentiment_score":0.13816009519191888}],"sentiment":"positive","sentiment_score":0.502140739839524,"channel":0,"num_words":80,"start":490.345,"end":517.04},{"sentences":[{"text":"You don't need to sign it or anything.","start":518.215,"end":520.135,"sentiment":"neutral","sentiment_score":0.07870102720335126},{"text":"It is just a document for your reference to say that we've gone ahead and made these change, and these are the reasons why we have done so.","start":520.135,"end":528.955,"sentiment":"neutral","sentiment_score":0.18960692760135447},{"text":"You can obviously have a read through it and stuff like that.","start":529.41504,"end":531.64,"sentiment":"neutral","sentiment_score":0.12372610407570998},{"text":"Like I said, you don't need to sign it or anything.","start":531.64,"end":533.96,"sentiment":"neutral","sentiment_score":0.07008631053296002},{"text":"It is just for your record, and that is the","start":533.96,"end":536.68,"sentiment":"neutral","sentiment_score":0.0992689698934555}],"sentiment":"neutral","sentiment_score":0.13314426890101985,"channel":0,"num_words":69,"start":518.215,"end":536.68},{"sentences":[{"text":"Yeah.","start":536.58496,"end":537.08496,"sentiment":"neutral","sentiment_score":0.08101102709770203}],"sentiment":"neutral","sentiment_score":0.08101102709770203,"channel":1,"num_words":1,"start":536.58496,"end":537.08496},{"sentences":[{"text":"only thing that's changing just to try to approve your position moving forward.","start":536.68,"end":540.62,"sentiment":"neutral","sentiment_score":0.059730986276498206}],"sentiment":"neutral","sentiment_score":0.059730986276498206,"channel":0,"num_words":13,"start":536.68,"end":540.62},{"sentences":[{"text":"Yes.","start":541.66003,"end":542.16003,"sentiment":"neutral","sentiment_score":0.10581323504447936}],"sentiment":"neutral","sentiment_score":0.10581323504447936,"channel":1,"num_words":1,"start":541.66003,"end":542.16003},{"sentences":[{"text":"Now I will try to get that through you as soon as I can, but it might be a Monday because I'm not in the office on Friday.","start":543.015,"end":551.35504,"sentiment":"neutral","sentiment_score":0.02622609811701945},{"text":"But I will try my best to have that to you by Monday, if that's okay.","start":552.375,"end":557.72003,"sentiment":"neutral","sentiment_score":0.07754707685671747}],"sentiment":"neutral","sentiment_score":0.044888272204182365,"channel":0,"num_words":44,"start":543.015,"end":557.72003},{"sentences":[{"text":"That's alright.","start":559.175,"end":559.915,"sentiment":"neutral","sentiment_score":0.1257125437259674}],"sentiment":"neutral","sentiment_score":0.1257125437259674,"channel":1,"num_words":2,"start":559.175,"end":559.915},{"sentences":[{"text":"Yes.","start":560.18,"end":560.58,"sentiment":"neutral","sentiment_score":0.22648167610168457},{"text":"Perfect.","start":560.58,"end":561.08,"sentiment":"positive","sentiment_score":0.475532591342926},{"text":"So keep a lookout for your email.","start":561.62,"end":563.22003,"sentiment":"neutral","sentiment_score":0.21611143861498153},{"text":"As soon as we've sent that through, I'll get the team to authorize that change.","start":563.22003,"end":566.84,"sentiment":"neutral","sentiment_score":0.1977670709292094},{"text":"You will see it as well in Hub 24 if you go and have a look at it.","start":566.9,"end":570.525,"sentiment":"neutral","sentiment_score":0.1397933711608251}],"sentiment":"neutral","sentiment_score":0.18327574006148747,"channel":0,"num_words":42,"start":560.18,"end":570.525},{"sentences":[{"text":"Otherwise, you will just","start":570.685,"end":571.565,"sentiment":"neutral","sentiment_score":0.09796742722392082}],"sentiment":"neutral","sentiment_score":0.09796742722392082,"channel":0,"num_words":4,"start":570.685,"end":571.565},{"sentences":[{"text":"Yep.","start":571.47003,"end":571.97003,"sentiment":"neutral","sentiment_score":0.10252969712018968}],"sentiment":"neutral","sentiment_score":0.10252969712018968,"channel":1,"num_words":1,"start":571.47003,"end":571.97003},{"sentences":[{"text":"see that swap over change for you.","start":571.565,"end":573.745,"sentiment":"neutral","sentiment_score":0.22096303743975504},{"text":"So we'll go ahead and and do all of that in the back end.","start":574.60504,"end":578.22504,"sentiment":"neutral","sentiment_score":0.242037404860769}],"sentiment":"neutral","sentiment_score":0.235012615720431,"channel":0,"num_words":21,"start":571.565,"end":578.22504},{"sentences":[{"text":"Okay.","start":580.03,"end":580.53,"sentiment":"neutral","sentiment_score":0.006498872768133879}],"sentiment":"neutral","sentiment_score":0.006498872768133879,"channel":1,"num_words":1,"start":580.03,"end":580.53},{"sentences":[{"text":"Now is there any other questions or concerns or anything else you would like me to address for you today, Matthew?","start":581.325,"end":588.28,"sentiment":"neutral","sentiment_score":0.17055071890354156}],"sentiment":"neutral","sentiment_score":0.17055071890354156,"channel":0,"num_words":21,"start":581.325,"end":588.28},{"sentences":[{"text":"Not at the top of my head.","start":592.03503,"end":593.555,"sentiment":"neutral","sentiment_score":-0.23232863204819815},{"text":"So, I mean,","start":593.555,"end":594.195,"sentiment":"neutral","sentiment_score":-0.11404971530040105}],"sentiment":"neutral","sentiment_score":-0.196844957023859,"channel":1,"num_words":10,"start":592.03503,"end":594.195},{"sentences":[{"text":"No?","start":594.18,"end":594.68,"sentiment":"negative","sentiment_score":-0.3460480570793152}],"sentiment":"negative","sentiment_score":-0.3460480570793152,"channel":0,"num_words":1,"start":594.18,"end":594.68},{"sentences":[{"text":"what did they need that birth sorry.","start":594.195,"end":595.875,"sentiment":"negative","sentiment_score":-0.41070995160511564},{"text":"What did they need that birth certificate for?","start":595.875,"end":597.795,"sentiment":"neutral","sentiment_score":-0.2233432326465845},{"text":"Is that to, like, swap swap my bank around type of thing?","start":597.795,"end":602.56995,"sentiment":"neutral","sentiment_score":-0.17463858860234419},{"text":"Is that why they need the thing?","start":602.56995,"end":603.85,"sentiment":"neutral","sentiment_score":-0.1627656572631427},{"text":"Because otherwise, I'm gonna struggle to get that.","start":603.85,"end":605.94995,"sentiment":"negative","sentiment_score":-0.47299980744719505}],"sentiment":"neutral","sentiment_score":-0.2781127772870518,"channel":1,"num_words":42,"start":594.195,"end":605.94995},{"sentences":[{"text":"No.","start":606.355,"end":606.83496,"sentiment":"neutral","sentiment_score":-0.3036045730113983},{"text":"I think it's more from a identification verification purposes.","start":606.83496,"end":610.935,"sentiment":"neutral","sentiment_score":-0.28299515942732495},{"text":"I knew as well that when I went through my mortgage review, they asked for 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much.","start":804.3,"end":805.36,"sentiment":"positive","sentiment_score":0.7699691355228424}],"sentiment":"positive","sentiment_score":0.7173861742019654,"channel":1,"num_words":5,"start":803.98,"end":805.36},{"sentences":[{"text":"No problem.","start":805.7169,"end":806.2769,"sentiment":"positive","sentiment_score":0.45111651718616486},{"text":"We'll speak soon.","start":806.2769,"end":807.17694,"sentiment":"positive","sentiment_score":0.3638896346092224}],"sentiment":"positive","sentiment_score":0.3987803876399994,"channel":0,"num_words":5,"start":805.7169,"end":807.17694},{"sentences":[{"text":"Okay.","start":807.98,"end":808.3,"sentiment":"neutral","sentiment_score":0.20834161341190335},{"text":"Bye.","start":808.3,"end":808.62,"sentiment":"neutral","sentiment_score":0.2298317402601242},{"text":"Thanks.","start":808.62,"end":809.12,"sentiment":"positive","sentiment_score":0.5056345462799072}],"sentiment":"neutral","sentiment_score":0.3146026333173116,"channel":1,"num_words":3,"start":807.98,"end":809.12},{"sentences":[{"text":"Okay.","start":809.0769,"end":809.5769,"sentiment":"neutral","sentiment_score":0.25760939717292786},{"text":"Bye.","start":809.6369,"end":810.1369,"sentiment":"neutral","sentiment_score":0.24301576614379883}],"sentiment":"neutral","sentiment_score":0.25031258165836334,"channel":0,"num_words":2,"start":809.0769,"end":810.1369},{"sentences":[{"text":"Bye bye.","start":810.7,"end":811.44,"sentiment":"neutral","sentiment_score":0.007513038814067841}],"sentiment":"neutral","sentiment_score":0.007513038814067841,"channel":1,"num_words":2,"start":810.7,"end":811.44}]},"summary":{"result":"success","short":"A representative from IC Financial, Veronica, calls Matthew to discuss his mortgage broker and suggests a new investment, Benelung Australian equity, which has underperformed. The speaker emphasizes the importance of being in the best investment for the customer, and provides advice on changing the account and verifying identity. The agent explains the process of changing the customer's position and provides instructions for verifying their identity. The agent ends the call by reminding the customer to check their email for updates and thanking them for their time."},"intents":{"segments":[{"text":"Now, ma, I did have you booked in because I know you had your quarterly review with my colleague, Michelle, and you did wanted to talk a little bit more about the the Benelon. But before I do go in there, I did wanted to check if the mortgage broker ended up calling you back and that got sorted, Or what kind of happened with all of that for you? Okay.","start_word":234,"end_word":304,"intents":[{"intent":"Check mortgage broker's call","confidence_score":0.08848306}]},{"text":"Did she end up calling you back? Did she end up calling back the the mortgage broker? Yes. Yeah.","start_word":305,"end_word":323,"intents":[{"intent":"Confirm call back","confidence_score":0.00022260487}]},{"text":"yeah, I've got an appointment tomorrow with the mortgage broker about a pre preliminary assessment or something along Okay. those lines.","start_word":334,"end_word":354,"intents":[{"intent":"Schedule appointment","confidence_score":0.23633434}]},{"text":"Otherwise, when you did have your interview with Michelle, it was mainly to kind of talk about the Benelon investment. Is that correct?","start_word":496,"end_word":518,"intents":[{"intent":"Discuss benelon investment","confidence_score":0.34910485}]},{"text":"So I've had a bit of a look at your portfolio in hub twenty four. And, overall, it's actually done pretty well considering everything that's going on in the world and in the market.","start_word":544,"end_word":577,"intents":[{"intent":"Discuss portfolio","confidence_score":0.14834885},{"intent":"Assess market","confidence_score":0.00443865}]},{"text":"In the last twelve months now this is as well factoring in after all fees have come out of your account.","start_word":669,"end_word":689,"intents":[{"intent":"Factor in fees","confidence_score":0.70073813}]},{"text":"There is one particular investment that I would like to look at changing. That Yep. is your Benelung Australian equity. So that one has gone down, and that one has seen a bit of fluctuations and have underperformed recently. So Yeah.","start_word":885,"end_word":925,"intents":[{"intent":"Update portfolio information","confidence_score":0.015955253}]},{"text":"But the has underperformed, and we wanna make sure that, obviously, at all points in time, we have you in the investment that's going to do the best for you. And it's not always going to be that the investments that we recommended for you and that we have you in is going to be the best moving forward.","start_word":1097,"end_word":1155,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.01983983}]},{"text":"Now I will still send you something that's called a record of advice. You don't need to sign it or anything. It is just a document for your reference to say that we've gone ahead and made these change, and these are the reasons why we have done so.","start_word":1543,"end_word":1591,"intents":[{"intent":"Provide advice","confidence_score":0.0036868502}]},{"text":"only thing that's changing just to try to approve your position moving forward.","start_word":1626,"end_word":1638,"intents":[{"intent":"Approve position change","confidence_score":0.028086955}]},{"text":"Now is there any other questions or concerns or anything else you would like me to address for you today, Matthew?","start_word":1756,"end_word":1776,"intents":[{"intent":"Address concerns","confidence_score":0.6910305}]},{"text":"what did they need that birth sorry. What did they need that birth certificate for?","start_word":1787,"end_word":1801,"intents":[{"intent":"Provide birth certificate","confidence_score":0.06235665}]},{"text":"So sometimes there's different documents that you can prove for them otherwise. They wouldn't go ahead and authorize any change or anything with you without obviously your consent. So, typically, in the beginning, it's just to verify who you are, and it's kind of similar to our anti money laundering and counterterrorism rules that we have, which is why we have to keep an ID on file for you to verify that you are who you are.","start_word":1907,"end_word":1983,"intents":[{"intent":"Prove identity","confidence_score":0.0059104883}]},{"text":"They wouldn't go ahead and authorize any change or anything with you without obviously your consent.","start_word":1919,"end_word":1934,"intents":[{"intent":"Obtain consent","confidence_score":0.007692744}]},{"text":"So, typically, in the beginning, it's just to verify who you are, and it's kind of similar to our anti money laundering and counterterrorism rules that we have, which is why we have to keep an ID on file for you to verify that you are who you are.","start_word":1935,"end_word":1983,"intents":[{"intent":"Keep id","confidence_score":0.11272143}]},{"text":"And I'm sure there'll be a bit different ways you can find something because, yeah, I've I've struggled finding my birth certificate as well because I have moved overseas and don't know where. I'm sure it's somewhere with mom and dad back back in Sweden, but I don't know where. So Yeah.","start_word":2085,"end_word":2136,"intents":[{"intent":"Guide with information","confidence_score":0.000011947862}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Matthew. This is Veronica from IC Financial.","start_word":0,"end_word":8,"sentiment":"positive","sentiment_score":0.378419816493988},{"text":"How are you? Yeah.","start_word":9,"end_word":12,"sentiment":"neutral","sentiment_score":0.2875969409942627},{"text":"Good.","start_word":13,"end_word":13,"sentiment":"positive","sentiment_score":0.5315009951591492},{"text":"Your line is really quiet compared to the other person. Oh, really? I can barely hear you. Alright. It's Let like me see almost if I like you're whispering. can let me see. I've just turned up the the volume. Can you hear that better, or is it still Sorry? a bit quiet? Can you hear that a bit better? I've just turned up the volume. Nah. You're really quiet. My the last time I talked to it, it was pretty loud, but you're very quiet. Okay. I do have it on the max setting. I'll speak to the IT team I have left for today, so I won't be able to adjust anything. Can you still hear me, though, or do you I wanna can just see. I can just see. yep. Okay. I'll try to just talk very loudly, and everyone around me just have to deal with it Yeah. Yeah. Yeah. and and see. If you can't, though, just feel free to interrupt me, and I'll I'll try my best to make it as loud as I can. But, yeah, I have turned up on Mac. So, hopefully, it is, yeah, at least okay for you. Yeah. I can I can just yeah? My car is pretty loud as well, so sorry about that. No. That's okay. Now, ma, I did have you booked in because I know you had your quarterly review with my colleague, Michelle, and you did wanted to talk a little bit more about the the Benelon. But before I do go in there, I did wanted to check if the mortgage broker ended up calling you back and that got sorted, Or what kind of happened with all of that for you? Okay. Did she end up calling you back? Did she end up calling back the the mortgage broker? Yes. Yeah. She called me she messaged me back, and, Yeah. yeah, I've got an appointment tomorrow with the mortgage broker about a pre preliminary assessment or something along Okay. those lines. Okay. But they're after a birth certificate, and and god knows where that went. That is I spent two days looking for it.","start_word":14,"end_word":376,"sentiment":"neutral","sentiment_score":-0.035330559155254654},{"text":"I still can't find it, so I don't know what to do about that.","start_word":377,"end_word":390,"sentiment":"negative","sentiment_score":-0.3851589560508728},{"text":"Yeah. No. That's okay. It's I'm not sure like there's I'm looking at that sort of stuff every single day. I don't know where it is. no. No. It's one of those things. Like you said, you don't really have to worry about it. It's just kind of buried and hidden.","start_word":391,"end_word":441,"sentiment":"neutral","sentiment_score":-0.044820092618465424},{"text":"But I am glad that at least you have an appointment with her and that kind of at least got on the way. So let me know how everything goes with all of that and Yeah. and how it all goes. So that at least is good that you do have an appointment tomorrow.","start_word":442,"end_word":495,"sentiment":"positive","sentiment_score":0.5470460057258606},{"text":"Otherwise, when you did have your interview with Michelle, it was mainly to kind of talk about the Benelon investment. Is that correct? There was some investment that they've met that someone mentioned that, I don't know, Okay. was doing not very well or something like that. Okay. So I've had a bit of a look at your portfolio in hub twenty four. And, overall, it's actually done pretty well considering everything that's going on in the world and in the market. Yeah. So, obviously, in the last twelve months because I'm looking at a twelve month report for you. And, obviously, in the last twelve months, there's been a lot of a lot of things in the world. Obviously, everything over in The US and Trump and the tariffs and everything saw fluctuations. And, obviously, more recently now with everything going on in The Middle East, we are seeing, obviously, some fluctuations to the market. So despite of that, that it's been a little bit more turbulent than we we sometimes see. In the last twelve months now this is as well factoring in after all fees have come out of your account.","start_word":496,"end_word":689,"sentiment":"neutral","sentiment_score":-0.035544008016586304},{"text":"Your portfolio has still gone up by 9.44%, which in today's kind of factoring in the last twelve months is actually pretty good for what's going on. So that isn't too bad. It's actually pretty good after phase that it's still going up by that 9.44%.","start_word":690,"end_word":735,"sentiment":"positive","sentiment_score":0.6499573588371277},{"text":"So overall, Okay. 9%, you're saying? 9.44 after phase, Okay.","start_word":736,"end_word":745,"sentiment":"neutral","sentiment_score":0.1729746162891388},{"text":"which which is pretty good.","start_word":746,"end_word":750,"sentiment":"positive","sentiment_score":0.4905541837215424},{"text":"Now while I have a look at all your investments, I can hear a bit better now. So, hopefully, you can hear me a bit better as well. Yeah. I just I'm in the traffic now. I'm staying still. So that's probably I why. was like, oh, it got it got nice and quiet now. No. That's Yeah. so good. No. I pranked my I pranked the the work van and the door got a little bit bent and it's letting in a bit of the air and it's making such a wind noise when I'm driving. That's all good. Now overall, if you as your portfolio had a look at, a lot of the investments are still doing pretty good.","start_word":751,"end_word":871,"sentiment":"neutral","sentiment_score":0.04238249361515045},{"text":"Overall, as the structure, it is doing really good.","start_word":872,"end_word":880,"sentiment":"positive","sentiment_score":0.4484931826591492},{"text":"But it is correct. There is one particular investment that I would like to look at changing. That Yep. is your Benelung Australian equity. So that one has gone down, and that one has seen a bit of fluctuations and have underperformed recently. So Yeah. that one works a little bit different. So the Benelung Australian equity, it is a managed fund. Now this was added to your portfolio when you came on board because it had done really well, and has done pretty well as well. And the reason that was added to your portfolio is because they are trying to actively buy and sell investments in order to try to outperform the market. That is kind of their function for the managed fund, but it has kind Yeah. of underperformed recently. Now one of the contributing factors through it is that one of the investments that they had in their portfolio is the corporate travel group. You may have heard or seen in the news or anything, but they had a bit of issues with that reporting, which actually caused them to having to suspend trading, which obviously saw everything drop. So that one has seen a bit of a drop to your portfolio, which, again, considering everything else, it's still done really well.","start_word":881,"end_word":1096,"sentiment":"neutral","sentiment_score":-0.010324624987939991},{"text":"But the has underperformed, and we wanna make sure that, obviously, at all points in time, we have you in the investment that's going to do the best for you.","start_word":1097,"end_word":1126,"sentiment":"positive","sentiment_score":0.3764563798904419},{"text":"And it's not always going to be that the investments that we recommended for you and that we have you in is going to be the best moving forward. A good thing with HAP twenty four is that there's, you know, hundreds of different options that we can chop swap and change for if we could see one not going to do so well moving forward. Now Yeah.","start_word":1127,"end_word":1194,"sentiment":"neutral","sentiment_score":0.10370466113090517},{"text":"the investment team as well with Benelon, they have kind of they've made a couple of high conviction position that have underperformed, and we all kind of believe that it's not going to be the best option for you moving forward.","start_word":1195,"end_word":1235,"sentiment":"negative","sentiment_score":-0.371962308883667},{"text":"So if you are happy for me to do so, we've done a lot of research on an investment switch for Benelon. Now we do wanna make sure that we stay with the same investment philosophy. The structure's the same. The asset allocation is the same. So if we are swapping your Australian investment, we do wanna swap it in with another Australian option because we don't wanna obviously have you too concentrated in, like, The US or just in Australia. We wanna make sure we have you diversified across the globe. So if we are swapping an Australian investment, we have looked at an alternative Australian option for you, and that is the a 200. Now this one isn't the whole active management. So, basically, this one is trying to track the 200 largest companies listed in The US sorry, in Australia. So because of that, Okay. it's actually a lot cheaper in fees because you don't have as much kind of going into trying to outperform the market.","start_word":1236,"end_word":1405,"sentiment":"neutral","sentiment_score":0.08961336314678192},{"text":"And if you are paying more in fees and trying to outperform the market, if it hasn't done that, it's not worth paying the fees for it.","start_word":1406,"end_word":1432,"sentiment":"negative","sentiment_score":-0.4607282280921936},{"text":"Does that make sense so far, Matthew? Yeah. I I think so. Yeah. So, basically, we have found a replacement for you that we can go ahead and change as long as you're happy to do so, Yeah. which Change is just, it. yeah, which is just literally changing Ben along to one other investment.","start_word":1433,"end_word":1487,"sentiment":"neutral","sentiment_score":0.21824593842029572},{"text":"It is reducing the fees overall, which is great. It is also kind of the maintaining that diversified Australian exposure, and it has improved returns a little bit, which is great. So if you're obviously happy to do so, what I'm going to do is I will just go and make that switch for you.","start_word":1488,"end_word":1542,"sentiment":"positive","sentiment_score":0.625362753868103},{"text":"Now I will still send you something that's called a record of advice. You don't need to sign it or anything. It is just a document for your reference to say that we've gone ahead and made these change, and these are the reasons why we have done so. You can obviously have a read through it and stuff like that. Like I said, you don't need to sign it or anything. It is just for your record, and that is the Yeah. only thing that's changing just to try to approve your position moving forward. Yes. Now I will try to get that through you as soon as I can, but it might be a Monday because I'm not in the office on Friday. But I will try my best to have that to you by Monday, if that's okay. That's alright. Yes.","start_word":1543,"end_word":1686,"sentiment":"neutral","sentiment_score":0.0993642956018448},{"text":"Perfect.","start_word":1687,"end_word":1687,"sentiment":"positive","sentiment_score":0.475532591342926},{"text":"So keep a lookout for your email. As soon as we've sent that through, I'll get the team to authorize that change. You will see it as well in Hub 24 if you go and have a look at it. Otherwise, you will just Yep. see that swap over change for you. So we'll go ahead and and do all of that in the back end. Okay. Now is there any other questions or concerns or anything else you would like me to address for you today, Matthew? Not at the top of my head. So, I mean, No?","start_word":1688,"end_word":1786,"sentiment":"neutral","sentiment_score":0.13113633761502275},{"text":"what did they need that birth sorry.","start_word":1787,"end_word":1793,"sentiment":"negative","sentiment_score":-0.3980167508125305},{"text":"What did they need that birth certificate for? Is that to, like, swap swap my bank around type of thing? Is that why they need the thing?","start_word":1794,"end_word":1820,"sentiment":"neutral","sentiment_score":-0.18488287925720215},{"text":"Because otherwise, I'm gonna struggle to get that.","start_word":1821,"end_word":1828,"sentiment":"negative","sentiment_score":-0.47147080302238464},{"text":"No. I think it's more from a identification verification purposes. I knew as well that when I went through my mortgage review, they asked for identification. So they could sometimes have different modes of identification. Now I didn't have my birth certificate either because I'm I'm from Sweden. See if you hear a bit of an accent. That's why. A little bit harder for me Yeah. to find. So I had two passwords instead, so that was fine. So sometimes there's different documents that you can prove for them otherwise. They wouldn't go ahead and authorize any change or anything with you without obviously your consent. So, typically, in the beginning, it's just to verify who you are, and it's kind of similar to our anti money laundering and counterterrorism rules that we have, which is why we have to keep an ID on file for you to verify that you are who you are. So it's probably, like, Yeah. a similar Yeah. thing with just verifying who you are, and just let her know as well that you don't have a birth certificate. Is there anything else that you can provide instead, Yeah. which Yeah. I'm sure Because they'll all be I able had to work was around? my I had a British passport, which was it's pretty old. You know? I don't fly anywhere, so that was Yeah. already five, but that's all I had.","start_word":1829,"end_word":2065,"sentiment":"neutral","sentiment_score":-0.1113840714097023},{"text":"And they said, oh, that's rejected.","start_word":2066,"end_word":2071,"sentiment":"negative","sentiment_score":-0.4485098123550415},{"text":"You know?","start_word":2072,"end_word":2073,"sentiment":"neutral","sentiment_score":-0.3173213005065918},{"text":"Oh, damn it. I don't know what to ask.","start_word":2074,"end_word":2082,"sentiment":"negative","sentiment_score":-0.4430854320526123},{"text":"Yes. And I'm sure there'll be a bit different ways you can find something because, yeah, I've I've struggled finding my birth certificate as well because I have moved overseas and don't know where. I'm sure it's somewhere with mom and dad back back in Sweden, but I don't know where. So Yeah. Yeah. Mine is the same. I I thought my dad had it, but he can't find it. And, yeah, it wouldn't include. and then paper trails as well. It's like you move around, and it's like, I don't know where it is. So Yeah. I'm Yeah. sure I'm sure they was able to work around it. So let me know as well, obviously, how everything goes, if you need any other assistance. Otherwise, I do have you here that we kind of touch base on a quarterly basis that you do prefer quarterly catch up. Is that correct? Yeah. Yeah. Yeah. Yes. Yeah. That's Yeah. So I'll kind of touch base in about, yeah, a couple of months or so in the next quarter unless you need anything urgently or before that. Then obviously give me a call or send us an email, and we can book in Yeah. an Yeah. appointment Couple every couple of months. Yeah. That's earlier. fine. Yeah. And then it's kind of it's coming up as well. So around November, it's your kind of bigger annual review where we do go through things in a bit more detail. And if you do wanna move it forward to next time, we can do it as well, which is a little bit more kind of in-depth in in everything as well. Yeah.","start_word":2083,"end_word":2360,"sentiment":"neutral","sentiment_score":0.07616829931092776},{"text":"Yeah. Now if you don't have any other questions or need anything else from me today, Matthew, I will let you go and enjoy your afternoon. Keep a lookout for that email to come through just so you have it for your reference that we are making that change to the Bennelong investment.","start_word":2361,"end_word":2413,"sentiment":"positive","sentiment_score":0.4964674115180969},{"text":"And if there is anything else that you do need, though, don't hesitate to give us a call or send me an email as well. Yeah. Yeah. Okay.","start_word":2414,"end_word":2441,"sentiment":"neutral","sentiment_score":0.11866030097007751},{"text":"No problem.","start_word":2442,"end_word":2443,"sentiment":"positive","sentiment_score":0.3426865041255951},{"text":"Yeah.","start_word":2444,"end_word":2444,"sentiment":"neutral","sentiment_score":0.3166101574897766},{"text":"No problem at all. Well, thank you so much for your time this afternoon, Matthew, and I look forward to speaking with you soon again. Okay. Thank you very much. No problem. We'll speak soon.","start_word":2445,"end_word":2479,"sentiment":"positive","sentiment_score":0.6631398797035217},{"text":"Okay. Bye.","start_word":2480,"end_word":2481,"sentiment":"neutral","sentiment_score":0.2212357074022293},{"text":"Thanks.","start_word":2482,"end_word":2482,"sentiment":"positive","sentiment_score":0.5056345462799072},{"text":"Okay. Bye. Bye bye.","start_word":2483,"end_word":2486,"sentiment":"neutral","sentiment_score":0.2102263420820236}],"average":{"sentiment":"neutral","sentiment_score":0.060313185726303654}}}}