{"metadata":{"transaction_key":"deprecated","request_id":"13347cd0-54eb-4877-bc42-2818b4f90e1a","sha256":"8e47ae00c8a1f3a56334c72f2d4e003b24a7d4bee6f94fe9336db55d1e141c92","created":"2026-02-16T03:28:17.640Z","duration":1343.0879,"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":5224,"output_tokens":147},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5854,"output_tokens":5866},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5854,"output_tokens":507}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Caesar. It's Kyle calling from Financial. How are you today? Yeah. Not too bad at all. Thanks for asking. I just scheduled in for a bit of a follow-up. Is now still a good time? Perfect. If I could just you through security, just that name, date of birth, and current address, we can get stuck into that one today. Just your current address. Thanks, Caesar. Perfect. Thank you for that one. Now I know it was just in regards to your portfolio and how that was tracking in addition to the the bed along fund within that. Did you sort of have any questions before I jump into that at all there, Susan? Perfect. Yeah. Not a problem at all. So I can let you know, like, since inception, since you came on board with Oakview, your funds been performing quite well. Like, it's since inception after fees, it's done 36.21%, which works out to be 9.98 after fees per annum. So 10% per annum, basically. After fees cost for growth portfolio, it's quite good still. I'm sure you'd agree if you kept getting 10% on average for, like, an 80% growth, 20% defensive split, it's quite nice if you can keep that up. The reason it stalled a little bit there in the last year so I think your average for the last year was around 5.71 is due to the active managed portion of Benelon. So you do have two actively managed funds in there. Now within that that fund there, it as a whole, for the past five years, it hasn't performed too crash hot. I must admit for a managed fund, you expect them to be outperforming the market where it's been doing around the sort of six to 7% maybe before any sort of fees and costs. And then with the end of last year, I'm not too sure if you heard, there was a trading suspend on one of their underlying investments, and that was Corporate Troubler. And that was due to the company itself, not Ben Long, but the company they hold not reporting correctly, and they got done from the dodgy accounting practices, which, pardon me, which caused Ben Long to have to reevaluate that share price and then also a loss of, like, consumer confidence in that fund, which caused quite a backwards, downwards, event there towards the end of last year. And then since then, they've come back a little bit. They haven't come back a whole heap. As a company, they have sort of as we come across, like, investment reviews and, like, the annual reviews and things like that, we are reviewing the Benelung portion. So the options there are even though you've hit the loss, we normally say, like, you know, don't sell low, buy high. But in this current circumstances, just with the conviction there, the investment, McKinney wants to start moving away from Benelung, not just because of their past performance, but just due to that event there as well, they do wanna start moving away from it. So the options for that as we can just look at removing specifically the benelong and replacing it with either an actively managed portion or a more indexed approach, so one that can either try it out on the market for a bit higher cost, much like benolon. But you can see how that can have a negative correlation as well that if they don't get it right, it can go backwards. And then you have oh, yeah. Sorry. Yes. Yes. So it's an actively managed fund. So when I talk about an indexed investment, it encapsulations like a broad industry, so or an area, like a geographical area. So when I say that the S and P 500 in its index for the top 500 companies in America, now it's somewhat dynamic in the sense that if a company falls out of that top 500, you no longer hold that. If a company grows to a size where it's in that top 500, then you do hold that. And then it just shows that as the market trends, that's the way it follows because it's based on pure company size and what's happening in the world. Whereas a fund manager like Ben Long aims to, you know, based on their data analytics, there's a few ways people do it, whether it's performance driven or value driven in their analytics. And then they try and find the gaps in the market to get additional growth and try and beat those indexes. So not just tracking what the market themselves are doing, but trying to outperform them, if that makes sense. Outperform the the market. Yeah. So so with that one there, your all your funds are held on hub twenty four. We build the portfolios on hub twenty four, and they're available investment options. Much like if you go on the ASX, like, Benelong is a listed security or your securities are listed on the ASX, and you yeah. And it's not that we just give them the money. It's, like, the same as buying any sort of shares, like, with Super, you're the beneficiary of those shares, whether it's index direct or, like, managed funds, if that makes sense. Clears it up. But, yeah, yeah, it is an Australian equities. Actually, over the past twenty years, there were well, so twenty five years ago for a twenty year period, they were quite an an aggressive growth. Like, in terms of, like, their returns, they were doing really, really quite well. Following the events of COVID, they just really haven't come back much from that, and they haven't found their form again. So the, yeah, the options there are we can replace Benelux, because it's an Australian equities, with an alternate Australian equities, whether that's index or another, like, actively managed fund. Index is obviously comes at a bit of a cheaper cost base for you, and then the active management obviously goes to try and outperform that market. You pay a little bit more for that active management there. Or the option there is given that it has taken a little bit of a loss, we can look at reviewing the entire portfolio, doing a few updates in regards to portfolio as a whole and use some of those losses to offset some CGT or capital gains for some of the other investments. Because currently, if you sold down everything, you'd pay around sort of the 2,400 in total tax if you were to sort of sell everything down to to cash right now. But in saying that when moving funds and doing a fund update, generally, the core, like, the S and P 500 and, like, things like your defensive portion that are quite key, like gold and things like that, they stay, like, in the newer portfolios generally as well. So you wouldn't be looking at, like, a full CGT sell down if you were to do, like, a full refresh and update if that's the the case. Yep. Yep. Yep. You don't wanna do the chopping and changing and then, like yeah. Which is what we sort of push here as well. You know, Elexu is not to be day traded by any means. But given that you have held that Ben Long Fund for that period of time of, like, three years and it haven't really done much, we'd be probably looking towards removing that one at least. If you're happy with the growth out of your like, there's nothing wrong with the rest of the portfolio. In terms of you're happy with the returns, it is getting and holding that longer term. As I said, a lot of the key components in that key components in, like, updated portfolios or if we were to refresh it anyway, And we can just look at replacing that Benelong portion with either, like, as I said, an active portion again or looking at just more of an index option, which just tracks the, like, sort of a market index in the Australian sort of area or region. In terms of that, it comes down to, like, your tolerance to risk a little bit there as well. Like, if if you wanna outperform the market, you've gotta have that level of active component to try and beat what the market's doing. If you're happy to have a lower cost investment over that longer term period and just track what the markets are doing and just getting that, like, sustained long term growth with a little less volatility in the sense that, you know, the index is what the market's actually doing, whereas the market manager could get it wrong much like Benelon where it goes backwards again. So that's the sorta the level of risk you take on with that manager risk. And if you wanna sorta mitigate that a little bit, you've still got the ClearBridge rare infrastructure fund, which is a managed fund within that. So you'd still hold a level of active management. It would just reduce it a portion there and keep index at a lower cost over that longer term period or a fund that wants to aim at beating the market and getting higher returns for that little extra cost, but it's, like, no guarantee that they'll obviously outperform the market. Yeah. Yeah. There's, like, there's better performing managed funds within Australian, like, area that we can look at and put you in as an alternative. With that, obviously, you know, with the way the markets are as well, they are quite volatile in the sense that, you know, Trump's been around playing in the media, which has caused a lot of dips and things like that. You've got the wars, like, in Ukraine that have caused, like, a a bit of market turbulence. So those are all things that it like, it's very hard for even, like, fund managers to predict. And then, like yeah. In in the Australian equities market as well, everything's a little bit down with how the ASX is at the moment. But in in saying that there are definitely active alternatives to Benelon or, yeah, as I said, we can just look at more of a passive approach. Yeah. Yep. Yep. No. No problem. I can make a recommendation of replacing that. If you're happy with the rest of your fund, you'd still aim to have probably around, like, the the 20% in, like, actively managed. And then as a whole, you'd be around, like, an eighty twenty split still where it's 80% growth assets. It whether that's, you know, the the active portion or just the the regular index version and then that 20% defensive there with between your, like, bank hybrids that you called that you currently hold there as well. Maybe. Yeah. After fees is what it works out to be at the moment because it was around 30, yeah, 36%, like, as a a total return after a fees and cost there for, like, the adviser fees, investment fees, and the administration fees there as well. Yeah. So it works out to be around 10 percent annualized per annum even though it did take a little bit of a a backward step with the. Not a problem at all. And then in regards to everything else, are you largely happy with everything else, Susan? I know you currently hold your insurance separate. You kept that. When you came on board, I believe you were in between jobs and potentially starting a new job there. Is that something you wanna review at this time? Are you currently happy with that Noble Oak policy that you still hold? Or Yep. Because with that, is your Noble Life policy underwritten? Like, did you go through, like, a health and sort of questionnaire when you took out that policy? Like, in the sense that yeah. And so like, because with that, we have, like, a bit of a pre assessment process. I can you booked in with one of the the staff here, and they'll go through a little bit more about your income, your job, like your daily activities, your hobbies, a little bit about family history, and a little bit about your own medical history. It does set a little bit prying, but it's everything that, like, an insurer will ask when looking at rewriting a policy. Because if you rewrite and sort of something's happened in the last year, so you've strained your neck and go into a chiropractor, that might end up being an exclusion where it might not currently be an exclusion on your current policy. I'm not sure. Do you know if you have any exclusions or loadings on your current policy? Yeah. So we can definitely have a look and see if we can find something comparable for your occupation, and then we just have to do that, like, health questionnaire to see if it would have any exclusions. Because if you're gonna end up with an exclusion, you just wanna retain your current policy, especially if you're happy with, you know, the amount you have and what it's covering. The only other insurer that you don't have or insurance is, like, trauma cover. Have you been told about trauma cover, like, had a brief discussion about it previously? Because what trauma insurance is is it's like a lump sum. And because you pay out of pocket anyway, it isn't, like, the only it's the only one that can be paid out of pocket. So other insurances can be paid out of superannuation, whereas trauma can't be. And it pays for things like significant trauma events, like getting diagnosed with certain cancers, heart attacks, strokes, those sort of things. And it generally covers for about a year of income as well. Is that something you'd wanna potentially look at and see what that looks like in terms of cost? Or Yep. Not a problem at all. And then in regards to your hub 24 and, like, your current risk profile, have you, like, your version to risk hasn't really changed? Are you happy with how hub's traveling, like it's reporting? No. You said you'd look at it a little bit. Have you had any issues with hub 24 itself? Yep. Yep. Yep. Yeah. The the reason I ask is, like, his company four is still quite comparable in the market in terms of, like, product, like, that you get the services and the price that you pay. It's basically just if you weren't happy with it, we can review alternatives there as well. Like, there is no issue with Hub twenty four itself. But if you're happy with it, it just means you don't have to worry about changing. But if you weren't happy, I'd be happy to have a look around at something that married up sort of thing. But then you gotta worry about, like, those capital gains costs and things like that. That's fine. We can leave that alone. And is there a time that would potentially suit you, Susie? Because I believe everyone's a little bit busy at the moment that I could get you scheduled even maybe just a little bit later today to be able to do a pre assessment to go through that quickly. Yeah. That's not a problem at all. Would sort of morning or afternoon better suit you there? Yep. So if I did I'm just having a quick look. If I did 3PM our time, 4PM your time on Thursday, the nineteenth, would that work for you? Perfect. Thank you. I'll just chuck that one in there. And that must be my colleague reaching out. So they'll just go like, there's a little bit there based on your occupation and what you do as well. You know, I doubt with your role that you're doing too much manual handling and things like that, but they'll ask the the questions and then, you know, a few things, you know, if you've taken up downhill mountain biking, things like that, just a case level of risk. From there, we basically just check with the insurers based on your occupation, family history, and health, how they'd rate you. And if it comes with any exclusions, I might just give you a call and let you know that, like, if we look at another policy, you're gonna end up with an exclusion. So it's probably best to just retain you one that doesn't have one, if that makes sense. Not a problem at all. I'll get you booked in there, sir. But is there anything else that you wanted to have a chat about there while you've got me? Yep. How it's actually tracking? Yeah. Yep. So, unfortunately, we can't just go in and, like, make changes unless you're sort of in, like, an SMA sort of dynamic where they make the underlying changes much like a managed fund. So we do have to, like, obviously have the conversations when we do wanna change stuff, and Bandalong is one of the things that we do wanna look at getting getting rid of just based on their past performance and, you know, the the outlooks of their sort of fund. Not a problem. But if you're happy with everything else, I'll get on to those few things. Once the pre assessment's completed, it might be really quick in terms of a phone call based on these sort of conditions that do pop up. Or otherwise, we'll just get through with the the advice process. If you get a call from me, basically, it'll just be an investment update, and the insurance will leave a loan. If the insurance come back that we can look at sort of doing that anyway, I might give you a quick call just to see if you wanna look at still paying out of pocket or look at paying through super things like that and just adding a little bit more to super and those sort of ways of working things to be a little bit more cost effective for you. Perfect, Cesar. Well, thanks for your time this month or this afternoon, I should say. I'll let you get back to it, and we'll be talking soon. No problem. Thanks, mate. 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afternoon, Caesar. It's Kyle calling from Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in for a bit of a follow-up. Is now still a good time? Perfect. If I could just you through security, just that name, date of birth, and current address, we can get stuck into that one today.\n\nJust your current address. Thanks, Caesar. Perfect. Thank you for that one. Now I know it was just in regards to your portfolio and how that was tracking in addition to the the bed along fund within that.\n\nDid you sort of have any questions before I jump into that at all there, Susan? Perfect. Yeah. Not a problem at all. So I can let you know, like, since inception, since you came on board with Oakview, your funds been performing quite well.\n\nLike, it's since inception after fees, it's done 36.21%, which works out to be 9.98 after fees per annum. So 10% per annum, basically. After fees cost for growth portfolio, it's quite good still. I'm sure you'd agree if you kept getting 10% on average for, like, an 80% growth, 20% defensive split, it's quite nice if you can keep that up. The reason it stalled a little bit there in the last year so I think your average for the last year was around 5.71 is due to the active managed portion of Benelon.\n\nSo you do have two actively managed funds in there. Now within that that fund there, it as a whole, for the past five years, it hasn't performed too crash hot. I must admit for a managed fund, you expect them to be outperforming the market where it's been doing around the sort of six to 7% maybe before any sort of fees and costs. And then with the end of last year, I'm not too sure if you heard, there was a trading suspend on one of their underlying investments, and that was Corporate Troubler. And that was due to the company itself, not Ben Long, but the company they hold not reporting correctly, and they got done from the dodgy accounting practices, which, pardon me, which caused Ben Long to have to reevaluate that share price and then also a loss of, like, consumer confidence in that fund, which caused quite a backwards, downwards, event there towards the end of last year.\n\nAnd then since then, they've come back a little bit. They haven't come back a whole heap. As a company, they have sort of as we come across, like, investment reviews and, like, the annual reviews and things like that, we are reviewing the Benelung portion. So the options there are even though you've hit the loss, we normally say, like, you know, don't sell low, buy high. But in this current circumstances, just with the conviction there, the investment, McKinney wants to start moving away from Benelung, not just because of their past performance, but just due to that event there as well, they do wanna start moving away from it.\n\nSo the options for that as we can just look at removing specifically the benelong and replacing it with either an actively managed portion or a more indexed approach, so one that can either try it out on the market for a bit higher cost, much like benolon. But you can see how that can have a negative correlation as well that if they don't get it right, it can go backwards. And then you have oh, yeah. Sorry. Yes.\n\nYes. So it's an actively managed fund. So when I talk about an indexed investment, it encapsulations like a broad industry, so or an area, like a geographical area. So when I say that the S and P 500 in its index for the top 500 companies in America, now it's somewhat dynamic in the sense that if a company falls out of that top 500, you no longer hold that. If a company grows to a size where it's in that top 500, then you do hold that.\n\nAnd then it just shows that as the market trends, that's the way it follows because it's based on pure company size and what's happening in the world. Whereas a fund manager like Ben Long aims to, you know, based on their data analytics, there's a few ways people do it, whether it's performance driven or value driven in their analytics. And then they try and find the gaps in the market to get additional growth and try and beat those indexes. So not just tracking what the market themselves are doing, but trying to outperform them, if that makes sense. Outperform the the market.\n\nYeah. So so with that one there, your all your funds are held on hub twenty four. We build the portfolios on hub twenty four, and they're available investment options. Much like if you go on the ASX, like, Benelong is a listed security or your securities are listed on the ASX, and you yeah. And it's not that we just give them the money.\n\nIt's, like, the same as buying any sort of shares, like, with Super, you're the beneficiary of those shares, whether it's index direct or, like, managed funds, if that makes sense. Clears it up. But, yeah, yeah, it is an Australian equities. Actually, over the past twenty years, there were well, so twenty five years ago for a twenty year period, they were quite an an aggressive growth. Like, in terms of, like, their returns, they were doing really, really quite well.\n\nFollowing the events of COVID, they just really haven't come back much from that, and they haven't found their form again. So the, yeah, the options there are we can replace Benelux, because it's an Australian equities, with an alternate Australian equities, whether that's index or another, like, actively managed fund. Index is obviously comes at a bit of a cheaper cost base for you, and then the active management obviously goes to try and outperform that market. You pay a little bit more for that active management there. Or the option there is given that it has taken a little bit of a loss, we can look at reviewing the entire portfolio, doing a few updates in regards to portfolio as a whole and use some of those losses to offset some CGT or capital gains for some of the other investments.\n\nBecause currently, if you sold down everything, you'd pay around sort of the 2,400 in total tax if you were to sort of sell everything down to to cash right now. But in saying that when moving funds and doing a fund update, generally, the core, like, the S and P 500 and, like, things like your defensive portion that are quite key, like gold and things like that, they stay, like, in the newer portfolios generally as well. So you wouldn't be looking at, like, a full CGT sell down if you were to do, like, a full refresh and update if that's the the case. Yep. Yep.\n\nYep. You don't wanna do the chopping and changing and then, like yeah. Which is what we sort of push here as well. You know, Elexu is not to be day traded by any means. But given that you have held that Ben Long Fund for that period of time of, like, three years and it haven't really done much, we'd be probably looking towards removing that one at least.\n\nIf you're happy with the growth out of your like, there's nothing wrong with the rest of the portfolio. In terms of you're happy with the returns, it is getting and holding that longer term. As I said, a lot of the key components in that key components in, like, updated portfolios or if we were to refresh it anyway, And we can just look at replacing that Benelong portion with either, like, as I said, an active portion again or looking at just more of an index option, which just tracks the, like, sort of a market index in the Australian sort of area or region. In terms of that, it comes down to, like, your tolerance to risk a little bit there as well. Like, if if you wanna outperform the market, you've gotta have that level of active component to try and beat what the market's doing.\n\nIf you're happy to have a lower cost investment over that longer term period and just track what the markets are doing and just getting that, like, sustained long term growth with a little less volatility in the sense that, you know, the index is what the market's actually doing, whereas the market manager could get it wrong much like Benelon where it goes backwards again. So that's the sorta the level of risk you take on with that manager risk. And if you wanna sorta mitigate that a little bit, you've still got the ClearBridge rare infrastructure fund, which is a managed fund within that. So you'd still hold a level of active management. It would just reduce it a portion there and keep index at a lower cost over that longer term period or a fund that wants to aim at beating the market and getting higher returns for that little extra cost, but it's, like, no guarantee that they'll obviously outperform the market.\n\nYeah. Yeah. There's, like, there's better performing managed funds within Australian, like, area that we can look at and put you in as an alternative. With that, obviously, you know, with the way the markets are as well, they are quite volatile in the sense that, you know, Trump's been around playing in the media, which has caused a lot of dips and things like that. You've got the wars, like, in Ukraine that have caused, like, a a bit of market turbulence.\n\nSo those are all things that it like, it's very hard for even, like, fund managers to predict. And then, like yeah. In in the Australian equities market as well, everything's a little bit down with how the ASX is at the moment. But in in saying that there are definitely active alternatives to Benelon or, yeah, as I said, we can just look at more of a passive approach. Yeah.\n\nYep. Yep. No. No problem. I can make a recommendation of replacing that.\n\nIf you're happy with the rest of your fund, you'd still aim to have probably around, like, the the 20% in, like, actively managed. And then as a whole, you'd be around, like, an eighty twenty split still where it's 80% growth assets. It whether that's, you know, the the active portion or just the the regular index version and then that 20% defensive there with between your, like, bank hybrids that you called that you currently hold there as well. Maybe. Yeah.\n\nAfter fees is what it works out to be at the moment because it was around 30, yeah, 36%, like, as a a total return after a fees and cost there for, like, the adviser fees, investment fees, and the administration fees there as well. Yeah. So it works out to be around 10 percent annualized per annum even though it did take a little bit of a a backward step with the. Not a problem at all. And then in regards to everything else, are you largely happy with everything else, Susan?\n\nI know you currently hold your insurance separate. You kept that. When you came on board, I believe you were in between jobs and potentially starting a new job there. Is that something you wanna review at this time? Are you currently happy with that Noble Oak policy that you still hold?\n\nOr Yep. Because with that, is your Noble Life policy underwritten? Like, did you go through, like, a health and sort of questionnaire when you took out that policy? Like, in the sense that yeah. And so like, because with that, we have, like, a bit of a pre assessment process.\n\nI can you booked in with one of the the staff here, and they'll go through a little bit more about your income, your job, like your daily activities, your hobbies, a little bit about family history, and a little bit about your own medical history. It does set a little bit prying, but it's everything that, like, an insurer will ask when looking at rewriting a policy. Because if you rewrite and sort of something's happened in the last year, so you've strained your neck and go into a chiropractor, that might end up being an exclusion where it might not currently be an exclusion on your current policy. I'm not sure. Do you know if you have any exclusions or loadings on your current policy?\n\nYeah. So we can definitely have a look and see if we can find something comparable for your occupation, and then we just have to do that, like, health questionnaire to see if it would have any exclusions. Because if you're gonna end up with an exclusion, you just wanna retain your current policy, especially if you're happy with, you know, the amount you have and what it's covering. The only other insurer that you don't have or insurance is, like, trauma cover. Have you been told about trauma cover, like, had a brief discussion about it previously?\n\nBecause what trauma insurance is is it's like a lump sum. And because you pay out of pocket anyway, it isn't, like, the only it's the only one that can be paid out of pocket. So other insurances can be paid out of superannuation, whereas trauma can't be. And it pays for things like significant trauma events, like getting diagnosed with certain cancers, heart attacks, strokes, those sort of things. And it generally covers for about a year of income as well.\n\nIs that something you'd wanna potentially look at and see what that looks like in terms of cost? Or Yep. Not a problem at all. And then in regards to your hub 24 and, like, your current risk profile, have you, like, your version to risk hasn't really changed? Are you happy with how hub's traveling, like it's reporting?\n\nNo. You said you'd look at it a little bit. Have you had any issues with hub 24 itself? Yep. Yep.\n\nYep. Yeah. The the reason I ask is, like, his company four is still quite comparable in the market in terms of, like, product, like, that you get the services and the price that you pay. It's basically just if you weren't happy with it, we can review alternatives there as well. Like, there is no issue with Hub twenty four itself.\n\nBut if you're happy with it, it just means you don't have to worry about changing. But if you weren't happy, I'd be happy to have a look around at something that married up sort of thing. But then you gotta worry about, like, those capital gains costs and things like that. That's fine. We can leave that alone.\n\nAnd is there a time that would potentially suit you, Susie? Because I believe everyone's a little bit busy at the moment that I could get you scheduled even maybe just a little bit later today to be able to do a pre assessment to go through that quickly. Yeah. That's not a problem at all. Would sort of morning or afternoon better suit you there?\n\nYep. So if I did I'm just having a quick look. If I did 3PM our time, 4PM your time on Thursday, the nineteenth, would that work for you? Perfect. Thank you.\n\nI'll just chuck that one in there. And that must be my colleague reaching out. So they'll just go like, there's a little bit there based on your occupation and what you do as well. You know, I doubt with your role that you're doing too much manual handling and things like that, but they'll ask the the questions and then, you know, a few things, you know, if you've taken up downhill mountain biking, things like that, just a case level of risk. From there, we basically just check with the insurers based on your occupation, family history, and health, how they'd rate you.\n\nAnd if it comes with any exclusions, I might just give you a call and let you know that, like, if we look at another policy, you're gonna end up with an exclusion. So it's probably best to just retain you one that doesn't have one, if that makes sense. Not a problem at all. I'll get you booked in there, sir. But is there anything else that you wanted to have a chat about there while you've got me?\n\nYep. How it's actually tracking? Yeah. Yep. So, unfortunately, we can't just go in and, like, make changes unless you're sort of in, like, an SMA sort of dynamic where they make the underlying changes much like a managed fund.\n\nSo we do have to, like, obviously have the conversations when we do wanna change stuff, and Bandalong is one of the things that we do wanna look at getting getting rid of just based on their past performance and, you know, the the outlooks of their sort of fund. Not a problem. But if you're happy with everything else, I'll get on to those few things. Once the pre assessment's completed, it might be really quick in terms of a phone call based on these sort of conditions that do pop up. Or otherwise, we'll just get through with the the advice process.\n\nIf you get a call from me, basically, it'll just be an investment update, and the insurance will leave a loan. If the insurance come back that we can look at sort of doing that anyway, I might give you a quick call just to see if you wanna look at still paying out of pocket or look at paying through super things like that and just adding a little bit more to super and those sort of ways of working things to be a little bit more cost effective for you. Perfect, Cesar. Well, thanks for your time this month or this afternoon, I should say. I'll let you get back to it, and we'll be talking soon.\n\nNo problem. Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Caesar.","start":2.96,"end":3.84,"sentiment":"positive","sentiment_score":0.40200626850128174},{"text":"It's Kyle calling from Financial.","start":3.84,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.23570820093154907},{"text":"How are you today?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.27788692712783813},{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.21675457060337067},{"text":"Not too bad at all.","start":8.48,"end":9.12,"sentiment":"neutral","sentiment_score":0.29041247069835663}],"sentiment":"neutral","sentiment_score":0.28694024682044983,"num_words":18,"start":2.96,"end":9.12},{"sentences":[{"text":"Thanks for asking.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.6348061561584473},{"text":"I just scheduled in for a bit of a follow-up.","start":9.76,"end":11.36,"sentiment":"neutral","sentiment_score":0.28816747963428496},{"text":"Is now still a good time?","start":11.36,"end":12.66,"sentiment":"neutral","sentiment_score":0.19796039412419},{"text":"Perfect.","start":14.719999,"end":15.2,"sentiment":"positive","sentiment_score":0.6019212603569031},{"text":"If I could just you through security, just that name, date of birth, and current address, we can get stuck into that one today.","start":15.2,"end":19.995,"sentiment":"neutral","sentiment_score":0.3087167199701071}],"sentiment":"neutral","sentiment_score":0.3178404129364274,"num_words":44,"start":9.12,"end":19.995},{"sentences":[{"text":"Just your current address.","start":28.855,"end":29.735,"sentiment":"neutral","sentiment_score":0.00012113642878830433},{"text":"Thanks, Caesar.","start":29.735,"end":30.64,"sentiment":"neutral","sentiment_score":0.12526290118694305},{"text":"Perfect.","start":38.379997,"end":38.78,"sentiment":"positive","sentiment_score":0.5835549831390381},{"text":"Thank you for that one.","start":38.78,"end":40.0,"sentiment":"positive","sentiment_score":0.702301824092865},{"text":"Now I know it was just in regards to your portfolio and how that was tracking in addition to the the bed along fund within that.","start":40.379997,"end":48.095,"sentiment":"neutral","sentiment_score":0.1735758732717771}],"sentiment":"neutral","sentiment_score":0.23313281991470017,"num_words":38,"start":28.855,"end":48.095},{"sentences":[{"text":"Did you sort of have any questions before I jump into that at all there, Susan?","start":48.095,"end":51.795002,"sentiment":"neutral","sentiment_score":0.04153435002081096},{"text":"Perfect.","start":90.270004,"end":90.75,"sentiment":"positive","sentiment_score":0.3767017126083374},{"text":"Yeah.","start":90.75,"end":91.07,"sentiment":"neutral","sentiment_score":0.2608296275138855},{"text":"Not a problem at all.","start":91.07,"end":92.37,"sentiment":"positive","sentiment_score":0.3570727467536926},{"text":"So I can let you know, like, since inception, since you came on board with Oakview, your funds been performing quite well.","start":92.51,"end":97.715004,"sentiment":"positive","sentiment_score":0.4448536837642843}],"sentiment":"neutral","sentiment_score":0.2860939048230648,"num_words":45,"start":48.095,"end":97.715004},{"sentences":[{"text":"Like, it's since inception after fees, it's done 36.21%, which works out to be 9.98 after fees per annum.","start":98.335,"end":107.775,"sentiment":"neutral","sentiment_score":0.2815674147323558},{"text":"So 10% per annum, basically.","start":107.775,"end":109.635,"sentiment":"neutral","sentiment_score":0.2922825276851654},{"text":"After fees cost for growth portfolio, it's quite good still.","start":110.335,"end":114.43,"sentiment":"positive","sentiment_score":0.3405254304409027},{"text":"I'm sure you'd agree if you kept getting 10% on average for, like, an 80% growth, 20% defensive split, it's quite nice if you can keep that up.","start":114.49,"end":121.950005,"sentiment":"positive","sentiment_score":0.5184677136795861},{"text":"The reason it stalled a little bit there in the last year so I think your average for the last year was around 5.71 is due to the active managed portion of Benelon.","start":122.41,"end":132.575,"sentiment":"neutral","sentiment_score":-0.2159035928321607}],"sentiment":"neutral","sentiment_score":0.18535500255070234,"num_words":95,"start":98.335,"end":132.575},{"sentences":[{"text":"So you do have two actively managed funds in there.","start":132.63501,"end":135.215,"sentiment":"neutral","sentiment_score":0.029878241941332817},{"text":"Now within that that fund there, it as a whole, for the past five years, it hasn't performed too crash hot.","start":135.435,"end":143.35999,"sentiment":"neutral","sentiment_score":-0.21737414172717504},{"text":"I must admit for a managed fund, you expect them to be outperforming the market where it's been doing around the sort of six to 7% maybe before any sort of fees and costs.","start":143.65999,"end":153.75499,"sentiment":"neutral","sentiment_score":-0.060754932353601736},{"text":"And then with the end of last year, I'm not too sure if you heard, there was a trading suspend on one of their underlying investments, and that was Corporate Troubler.","start":154.055,"end":162.31499,"sentiment":"neutral","sentiment_score":-0.21290757819529502},{"text":"And that was due to the company itself, not Ben Long, but the company they hold not reporting correctly, and they got done from the dodgy accounting practices, which, pardon me, which caused Ben Long to have to reevaluate that share price and then also a loss of, like, consumer confidence in that fund, which caused quite a backwards, downwards, event there towards the end of last year.","start":162.53499,"end":188.295,"sentiment":"negative","sentiment_score":-0.44682961001115684}],"sentiment":"neutral","sentiment_score":-0.2641237235469062,"num_words":164,"start":132.63501,"end":188.295},{"sentences":[{"text":"And then since then, they've come back a little bit.","start":188.295,"end":190.855,"sentiment":"neutral","sentiment_score":-0.2716404810547829},{"text":"They haven't come back a whole heap.","start":191.175,"end":192.75,"sentiment":"negative","sentiment_score":-0.3570838102272579},{"text":"As a company, they have sort of as we come across, like, investment reviews and, like, the annual reviews and things like that, we are reviewing the Benelung portion.","start":192.99,"end":202.03,"sentiment":"neutral","sentiment_score":-0.13934402399022003},{"text":"So the options there are even though you've hit the loss, we normally say, like, you know, don't sell low, buy high.","start":202.03,"end":208.05,"sentiment":"neutral","sentiment_score":-0.2209444943476807},{"text":"But in this current circumstances, just with the conviction there, the investment, McKinney wants to start moving away from Benelung, not just because of their past performance, but just due to that event there as well, they do wanna start moving away from it.","start":208.625,"end":221.445,"sentiment":"negative","sentiment_score":-0.38054119727828284}],"sentiment":"neutral","sentiment_score":-0.2755496404798968,"num_words":112,"start":188.295,"end":221.445},{"sentences":[{"text":"So the options for that as we can just look at removing specifically the benelong and replacing it with either an actively managed portion or a more indexed approach, so one that can either try it out on the market for a bit higher cost, much like benolon.","start":221.745,"end":234.45999,"sentiment":"neutral","sentiment_score":-0.06257775123231113},{"text":"But you can see how that can have a negative correlation as well that if they don't get it right, it can go backwards.","start":234.76,"end":240.245,"sentiment":"negative","sentiment_score":-0.6312780268490314},{"text":"And then you have oh, yeah.","start":241.025,"end":242.545,"sentiment":"neutral","sentiment_score":-0.211884044110775},{"text":"Sorry.","start":242.545,"end":243.045,"sentiment":"neutral","sentiment_score":-0.1821499466896057},{"text":"Yes.","start":254.8,"end":255.2,"sentiment":"neutral","sentiment_score":0.05123257637023926}],"sentiment":"neutral","sentiment_score":-0.2444578292313963,"num_words":80,"start":221.745,"end":255.2},{"sentences":[{"text":"Yes.","start":255.2,"end":255.36,"sentiment":"neutral","sentiment_score":0.07374592870473862},{"text":"So it's an actively managed fund.","start":255.36,"end":257.46,"sentiment":"neutral","sentiment_score":0.1311900019645691},{"text":"So when I talk about an indexed investment, it encapsulations like a broad industry, so or an area, like a geographical area.","start":257.52,"end":265.73502,"sentiment":"neutral","sentiment_score":0.07317789406938986},{"text":"So when I say that the S and P 500 in its index for the top 500 companies in America, now it's somewhat dynamic in the sense that if a company falls out of that top 500, you no longer hold that.","start":265.73502,"end":276.855,"sentiment":"neutral","sentiment_score":-0.000165648048832303},{"text":"If a company grows to a size where it's in that top 500, then you do hold that.","start":276.855,"end":281.41,"sentiment":"neutral","sentiment_score":0.11964141846530968}],"sentiment":"neutral","sentiment_score":0.051880763194869076,"num_words":89,"start":255.2,"end":281.41},{"sentences":[{"text":"And then it just shows that as the market trends, that's the way it follows because it's based on pure company size and what's happening in the world.","start":281.79,"end":290.75,"sentiment":"neutral","sentiment_score":0.05854471706386123},{"text":"Whereas a fund manager like Ben Long aims to, you know, based on their data analytics, there's a few ways people do it, whether it's performance driven or value driven in their analytics.","start":290.75,"end":302.005,"sentiment":"neutral","sentiment_score":0.10109493079962152},{"text":"And then they try and find the gaps in the market to get additional growth and try and beat those indexes.","start":302.945,"end":308.805,"sentiment":"neutral","sentiment_score":0.09864066789547603},{"text":"So not just tracking what the market themselves are doing, but trying to outperform them, if that makes sense.","start":309.19998,"end":314.97998,"sentiment":"neutral","sentiment_score":0.09866085726963847},{"text":"Outperform the the market.","start":331.295,"end":333.05502,"sentiment":"neutral","sentiment_score":0.11568118073046207}],"sentiment":"neutral","sentiment_score":0.08937256981929144,"num_words":105,"start":281.79,"end":333.05502},{"sentences":[{"text":"Yeah.","start":333.05502,"end":333.55502,"sentiment":"neutral","sentiment_score":0.15854990482330322},{"text":"So so with that one there, your all your funds are held on hub twenty four.","start":343.29,"end":347.53,"sentiment":"neutral","sentiment_score":0.06297786626964808},{"text":"We build the portfolios on hub twenty four, and they're available investment options.","start":347.53,"end":351.915,"sentiment":"neutral","sentiment_score":0.060854761073222526},{"text":"Much like if you go on the ASX, like, Benelong is a listed security or your securities are listed on the ASX, and you yeah.","start":352.135,"end":359.095,"sentiment":"neutral","sentiment_score":0.04241320461034775},{"text":"And it's not that we just give them the money.","start":359.095,"end":361.49503,"sentiment":"neutral","sentiment_score":-0.012657224480062724}],"sentiment":"neutral","sentiment_score":0.04447793122380972,"num_words":65,"start":333.05502,"end":361.49503},{"sentences":[{"text":"It's, like, the same as buying any sort of shares, like, with Super, you're the beneficiary of those shares, whether it's index direct or, like, managed funds, if that makes sense.","start":361.49503,"end":370.67,"sentiment":"neutral","sentiment_score":0.06779913913698928},{"text":"Clears it up.","start":377.13,"end":377.835,"sentiment":"neutral","sentiment_score":0.08759745458761851},{"text":"But, yeah, yeah, it is an Australian equities.","start":383.835,"end":385.755,"sentiment":"neutral","sentiment_score":0.027009415673092008},{"text":"Actually, over the past twenty years, there were well, so twenty five years ago for a twenty year period, they were quite an an aggressive growth.","start":385.755,"end":394.36002,"sentiment":"neutral","sentiment_score":0.12790006757355654},{"text":"Like, in terms of, like, their returns, they were doing really, really quite well.","start":394.58002,"end":397.96,"sentiment":"neutral","sentiment_score":0.27606029702084406}],"sentiment":"neutral","sentiment_score":0.11915715753168958,"num_words":82,"start":361.49503,"end":397.96},{"sentences":[{"text":"Following the events of COVID, they just really haven't come back much from that, and they haven't found their form again.","start":398.34,"end":404.615,"sentiment":"negative","sentiment_score":-0.43289819785526823},{"text":"So the, yeah, the options there are we can replace Benelux, because it's an Australian equities, with an alternate Australian equities, whether that's index or another, like, actively managed fund.","start":406.515,"end":416.055,"sentiment":"neutral","sentiment_score":0.11095844749361276},{"text":"Index is obviously comes at a bit of a cheaper cost base for you, and then the active management obviously goes to try and outperform that market.","start":417.43,"end":423.91,"sentiment":"neutral","sentiment_score":0.2933014929294586},{"text":"You pay a little bit more for that active management there.","start":423.91,"end":426.89,"sentiment":"neutral","sentiment_score":0.13704849102280356},{"text":"Or the option there is given that it has taken a little bit of a loss, we can look at reviewing the entire portfolio, doing a few updates in regards to portfolio as a whole and use some of those losses to offset some CGT or capital gains for some of the other investments.","start":427.11002,"end":441.715,"sentiment":"neutral","sentiment_score":-0.00009788455510580982}],"sentiment":"neutral","sentiment_score":0.02558936513439342,"num_words":143,"start":398.34,"end":441.715},{"sentences":[{"text":"Because currently, if you sold down everything, you'd pay around sort of the 2,400 in total tax if you were to sort of sell everything down to to cash right now.","start":441.715,"end":449.79,"sentiment":"neutral","sentiment_score":-0.12579845685151317},{"text":"But in saying that when moving funds and doing a fund update, generally, the core, like, the S and P 500 and, like, things like your defensive portion that are quite key, like gold and things like that, they stay, like, in the newer portfolios generally as well.","start":451.05,"end":465.685,"sentiment":"neutral","sentiment_score":0.1631680082064122},{"text":"So you wouldn't be looking at, like, a full CGT sell down if you were to do, like, a full refresh and update if that's the the case.","start":465.905,"end":473.26,"sentiment":"neutral","sentiment_score":-0.07056870038754173},{"text":"Yep.","start":488.845,"end":489.345,"sentiment":"neutral","sentiment_score":0.19714701175689697},{"text":"Yep.","start":517.115,"end":517.615,"sentiment":"neutral","sentiment_score":0.32456323504447937}],"sentiment":"neutral","sentiment_score":0.02273485199505583,"num_words":109,"start":441.715,"end":517.615},{"sentences":[{"text":"Yep.","start":533.68994,"end":533.985,"sentiment":"neutral","sentiment_score":-0.0016158297657966614},{"text":"You don't wanna do the chopping and changing and then, like yeah.","start":542.545,"end":545.52496,"sentiment":"neutral","sentiment_score":-0.1436735928679506},{"text":"Which is what we sort of push here as well.","start":545.665,"end":548.39,"sentiment":"neutral","sentiment_score":0.04246805496513843},{"text":"You know, Elexu is not to be day traded by any means.","start":548.39,"end":551.11,"sentiment":"neutral","sentiment_score":-0.06525183158616225},{"text":"But given that you have held that Ben Long Fund for that period of time of, like, three years and it haven't really done much, we'd be probably looking towards removing that one at least.","start":551.11,"end":560.63,"sentiment":"neutral","sentiment_score":-0.1819501968366759}],"sentiment":"neutral","sentiment_score":-0.1207471037549632,"num_words":70,"start":533.68994,"end":560.63},{"sentences":[{"text":"If you're happy with the growth out of your like, there's nothing wrong with the rest of the portfolio.","start":560.63,"end":565.02496,"sentiment":"neutral","sentiment_score":0.3125569867460351},{"text":"In terms of you're happy with the returns, it is getting and holding that longer term.","start":565.02496,"end":568.565,"sentiment":"positive","sentiment_score":0.3858884125947952},{"text":"As I said, a lot of the key components in that key components in, like, updated portfolios or if we were to refresh it anyway, And we can just look at replacing that Benelong portion with either, like, as I said, an active portion again or looking at just more of an index option, which just tracks the, like, sort of a market index in the Australian sort of area or region.","start":568.865,"end":596.795,"sentiment":"neutral","sentiment_score":0.007108529835628967},{"text":"In terms of that, it comes down to, like, your tolerance to risk a little bit there as well.","start":597.575,"end":601.29,"sentiment":"neutral","sentiment_score":-0.00428263058787898},{"text":"Like, if if you wanna outperform the market, you've gotta have that level of active component to try and beat what the market's doing.","start":601.29,"end":607.70996,"sentiment":"neutral","sentiment_score":0.056266368308570236}],"sentiment":"neutral","sentiment_score":0.09262422904061775,"num_words":150,"start":560.63,"end":607.70996},{"sentences":[{"text":"If you're happy to have a lower cost investment over that longer term period and just track what the markets are doing and just getting that, like, sustained long term growth with a little less volatility in the sense that, you know, the index is what the market's actually doing, whereas the market manager could get it wrong much like Benelon where it goes backwards again.","start":607.76996,"end":627.40497,"sentiment":"neutral","sentiment_score":0.0822041299067099},{"text":"So that's the sorta the level of risk you take on with that manager risk.","start":627.89996,"end":631.92,"sentiment":"neutral","sentiment_score":-0.17936300337314606},{"text":"And if you wanna sorta mitigate that a little bit, you've still got the ClearBridge rare infrastructure fund, which is a managed fund within that.","start":632.86,"end":640.13995,"sentiment":"neutral","sentiment_score":0.039193256050348284},{"text":"So you'd still hold a level of active management.","start":640.13995,"end":642.54,"sentiment":"neutral","sentiment_score":0.1026795216732555},{"text":"It would just reduce it a portion there and keep index at a lower cost over that longer term period or a fund that wants to aim at beating the market and getting higher returns for that little extra cost, but it's, like, no guarantee that they'll obviously outperform the market.","start":642.54,"end":662.21,"sentiment":"neutral","sentiment_score":0.11219980268209588}],"sentiment":"neutral","sentiment_score":0.06241665395391903,"num_words":166,"start":607.76996,"end":662.21},{"sentences":[{"text":"Yeah.","start":678.765,"end":679.16504,"sentiment":"neutral","sentiment_score":0.00035974103957414627},{"text":"Yeah.","start":679.16504,"end":679.48505,"sentiment":"neutral","sentiment_score":0.01311398483812809},{"text":"There's, like, there's better performing managed funds within Australian, like, area that we can look at and put you in as an alternative.","start":679.48505,"end":686.12,"sentiment":"neutral","sentiment_score":0.07842839752202449},{"text":"With that, obviously, you know, with the way the markets are as well, they are quite volatile in the sense that, you know, Trump's been around playing in the media, which has caused a lot of dips and things like that.","start":687.06,"end":695.86,"sentiment":"neutral","sentiment_score":-0.276003290785522},{"text":"You've got the wars, like, in Ukraine that have caused, like, a a bit of market turbulence.","start":695.86,"end":700.52,"sentiment":"negative","sentiment_score":-0.38071045805426207}],"sentiment":"neutral","sentiment_score":-0.19242031132824808,"num_words":83,"start":678.765,"end":700.52},{"sentences":[{"text":"So those are all things that it like, it's very hard for even, like, fund managers to predict.","start":701.115,"end":707.135,"sentiment":"negative","sentiment_score":-0.3802620569864909},{"text":"And then, like yeah.","start":707.755,"end":709.035,"sentiment":"neutral","sentiment_score":0.029930651653558016},{"text":"In in the Australian equities market as well, everything's a little bit down with how the ASX is at the moment.","start":709.035,"end":714.78,"sentiment":"neutral","sentiment_score":-0.09758994462234634},{"text":"But in in saying that there are definitely active alternatives to Benelon or, yeah, as I said, we can just look at more of a passive approach.","start":715.58,"end":722.32,"sentiment":"neutral","sentiment_score":0.03514816377449919},{"text":"Yeah.","start":739.02,"end":739.52,"sentiment":"neutral","sentiment_score":0.06811881065368652}],"sentiment":"neutral","sentiment_score":-0.109257239769672,"num_words":71,"start":701.115,"end":739.52},{"sentences":[{"text":"Yep.","start":745.02747,"end":745.52747,"sentiment":"neutral","sentiment_score":0.01767190545797348},{"text":"Yep.","start":760.795,"end":761.27496,"sentiment":"neutral","sentiment_score":0.21838808059692383},{"text":"No.","start":761.27496,"end":761.51495,"sentiment":"neutral","sentiment_score":0.21321190893650055},{"text":"No problem.","start":761.51495,"end":762.07495,"sentiment":"neutral","sentiment_score":0.3247424215078354},{"text":"I can make a recommendation of replacing that.","start":762.07495,"end":763.83496,"sentiment":"neutral","sentiment_score":0.23167765466496348}],"sentiment":"neutral","sentiment_score":0.2270906134866751,"num_words":13,"start":745.02747,"end":763.83496},{"sentences":[{"text":"If you're happy with the rest of your fund, you'd still aim to have probably around, like, the the 20% in, like, actively managed.","start":763.83496,"end":772.04,"sentiment":"positive","sentiment_score":0.43555471301078796},{"text":"And then as a whole, you'd be around, like, an eighty twenty split still where it's 80% growth assets.","start":772.04,"end":777.735,"sentiment":"neutral","sentiment_score":0.22633304643003563},{"text":"It whether that's, you know, the the active portion or just the the regular index version and then that 20% defensive there with between your, like, bank hybrids that you called that you currently hold there as well.","start":777.815,"end":788.95496,"sentiment":"neutral","sentiment_score":0.1459073004753966},{"text":"Maybe.","start":791.65497,"end":792.09,"sentiment":"neutral","sentiment_score":0.225841760635376},{"text":"Yeah.","start":812.105,"end":812.605,"sentiment":"neutral","sentiment_score":0.06595239043235779}],"sentiment":"neutral","sentiment_score":0.248071235705571,"num_words":83,"start":763.83496,"end":812.605},{"sentences":[{"text":"After fees is what it works out to be at the moment because it was around 30, yeah, 36%, like, as a a total return after a fees and cost there for, like, the adviser fees, investment fees, and the administration fees there as well.","start":812.665,"end":827.89996,"sentiment":"neutral","sentiment_score":0.22474372072352303},{"text":"Yeah.","start":828.6,"end":828.83997,"sentiment":"neutral","sentiment_score":0.31353315711021423},{"text":"So it works out to be around 10 percent annualized per annum even though it did take a little bit of a a backward step with the.","start":828.83997,"end":835.63495,"sentiment":"neutral","sentiment_score":0.25206845722816607},{"text":"Not a problem at all.","start":849.47,"end":850.93,"sentiment":"positive","sentiment_score":0.359561151266098},{"text":"And then in regards to everything else, are you largely happy with everything else, Susan?","start":851.47,"end":855.39,"sentiment":"neutral","sentiment_score":0.218616950015227}],"sentiment":"neutral","sentiment_score":0.23989149399342075,"num_words":93,"start":812.665,"end":855.39},{"sentences":[{"text":"I know you currently hold your insurance separate.","start":855.39,"end":858.135,"sentiment":"neutral","sentiment_score":-0.04622346116229892},{"text":"You kept that.","start":858.135,"end":858.77496,"sentiment":"neutral","sentiment_score":-0.03402173394958178},{"text":"When you came on board, I believe you were in between jobs and potentially starting a new job there.","start":858.77496,"end":864.055,"sentiment":"neutral","sentiment_score":-0.020831265339725895},{"text":"Is that something you wanna review at this time?","start":864.055,"end":865.89496,"sentiment":"neutral","sentiment_score":0.025605973270204332},{"text":"Are you currently happy with that Noble Oak policy that you still hold?","start":865.89496,"end":869.33496,"sentiment":"neutral","sentiment_score":0.1027032443537162}],"sentiment":"neutral","sentiment_score":0.013422096219773475,"num_words":52,"start":855.39,"end":869.33496},{"sentences":[{"text":"Or Yep.","start":869.33496,"end":900.195,"sentiment":"neutral","sentiment_score":0.15937526151537892},{"text":"Because with that, is your Noble Life policy underwritten?","start":900.195,"end":902.74,"sentiment":"neutral","sentiment_score":0.07276156358420849},{"text":"Like, did you go through, like, a health and sort of questionnaire when you took out that policy?","start":902.8,"end":907.45996,"sentiment":"neutral","sentiment_score":0.033055815276586346},{"text":"Like, in the sense that yeah.","start":907.51996,"end":909.27997,"sentiment":"neutral","sentiment_score":0.03674108892058333},{"text":"And so like, because with that, we have, like, a bit of a pre assessment process.","start":909.27997,"end":913.19995,"sentiment":"neutral","sentiment_score":0.10264542885124683}],"sentiment":"neutral","sentiment_score":0.06728201304726741,"num_words":51,"start":869.33496,"end":913.19995},{"sentences":[{"text":"I can you booked in with one of the the staff here, and they'll go through a little bit more about your income, your job, like your daily activities, your hobbies, a little bit about family history, and a little bit about your own medical history.","start":913.19995,"end":926.615,"sentiment":"neutral","sentiment_score":0.05588411689614472},{"text":"It does set a little bit prying, but it's everything that, like, an insurer will ask when looking at rewriting a policy.","start":927.075,"end":932.64,"sentiment":"neutral","sentiment_score":-0.03586265580220656},{"text":"Because if you rewrite and sort of something's happened in the last year, so you've strained your neck and go into a chiropractor, that might end up being an exclusion where it might not currently be an exclusion on your current policy.","start":933.98,"end":945.18,"sentiment":"neutral","sentiment_score":-0.20511469067562194},{"text":"I'm not sure.","start":945.18,"end":945.825,"sentiment":"neutral","sentiment_score":-0.11135395119587581},{"text":"Do you know if you have any exclusions or loadings on your current policy?","start":945.825,"end":949.205,"sentiment":"neutral","sentiment_score":-0.07313436589070729}],"sentiment":"neutral","sentiment_score":-0.06449660657369714,"num_words":127,"start":913.19995,"end":949.205},{"sentences":[{"text":"Yeah.","start":951.905,"end":952.145,"sentiment":"neutral","sentiment_score":-0.03024053201079369},{"text":"So we can definitely have a look and see if we can find something comparable for your occupation, and then we just have to do that, like, health questionnaire to see if it would have any exclusions.","start":952.145,"end":962.74,"sentiment":"neutral","sentiment_score":0.06259201668404243},{"text":"Because if you're gonna end up with an exclusion, you just wanna retain your current policy, especially if you're happy with, you know, the amount you have and what it's covering.","start":962.74,"end":970.19995,"sentiment":"neutral","sentiment_score":0.03075150598681742},{"text":"The only other insurer that you don't have or insurance is, like, trauma cover.","start":971.06,"end":974.64496,"sentiment":"neutral","sentiment_score":-0.10572829416819982},{"text":"Have you been told about trauma cover, like, had a brief discussion about it previously?","start":974.64496,"end":979.06494,"sentiment":"neutral","sentiment_score":-0.006273551409443219}],"sentiment":"neutral","sentiment_score":0.01698634062646603,"num_words":98,"start":951.905,"end":979.06494},{"sentences":[{"text":"Because what trauma insurance is is it's like a lump sum.","start":988.88495,"end":992.05,"sentiment":"neutral","sentiment_score":0.009634702974422411},{"text":"And because you pay out of pocket anyway, it isn't, like, the only it's the only one that can be paid out of pocket.","start":992.11,"end":996.51,"sentiment":"neutral","sentiment_score":-0.007788403425365686},{"text":"So other insurances can be paid out of superannuation, whereas trauma can't be.","start":996.51,"end":1001.25,"sentiment":"neutral","sentiment_score":-0.006796227445682654},{"text":"And it pays for things like significant trauma events, like getting diagnosed with certain cancers, heart attacks, strokes, those sort of things.","start":1001.39,"end":1008.335,"sentiment":"neutral","sentiment_score":0.03892725519835949},{"text":"And it generally covers for about a year of income as well.","start":1008.955,"end":1011.835,"sentiment":"neutral","sentiment_score":0.19387952610850334}],"sentiment":"neutral","sentiment_score":0.03675198806563347,"num_words":82,"start":988.88495,"end":1011.835},{"sentences":[{"text":"Is that something you'd wanna potentially look at and see what that looks like in terms of cost?","start":1011.835,"end":1015.835,"sentiment":"neutral","sentiment_score":0.11007999463213815},{"text":"Or Yep.","start":1015.835,"end":1021.45,"sentiment":"neutral","sentiment_score":0.1603595707565546},{"text":"Not a problem at all.","start":1021.45,"end":1022.75,"sentiment":"positive","sentiment_score":0.34427778124809266},{"text":"And then in regards to your hub 24 and, like, your current risk profile, have you, like, your version to risk hasn't really changed?","start":1022.97003,"end":1030.295,"sentiment":"neutral","sentiment_score":0.06750597059726715},{"text":"Are you happy with how hub's traveling, like it's reporting?","start":1030.295,"end":1032.875,"sentiment":"neutral","sentiment_score":0.12909419909119607}],"sentiment":"neutral","sentiment_score":0.11753615654878698,"num_words":59,"start":1011.835,"end":1032.875},{"sentences":[{"text":"No.","start":1033.0951,"end":1033.3351,"sentiment":"neutral","sentiment_score":-0.0633959025144577},{"text":"You said you'd look at it a little bit.","start":1033.3351,"end":1034.8551,"sentiment":"neutral","sentiment_score":-0.0268579570369588},{"text":"Have you had any issues with hub 24 itself?","start":1034.8551,"end":1037.1951,"sentiment":"neutral","sentiment_score":-0.037303346726629466},{"text":"Yep.","start":1047.11,"end":1047.61,"sentiment":"neutral","sentiment_score":-0.04011058807373047},{"text":"Yep.","start":1049.75,"end":1050.25,"sentiment":"neutral","sentiment_score":0.011647621169686316}],"sentiment":"neutral","sentiment_score":-0.03187193349003792,"num_words":21,"start":1033.0951,"end":1050.25},{"sentences":[{"text":"Yep.","start":1058.485,"end":1058.985,"sentiment":"neutral","sentiment_score":0.005301951430737972},{"text":"Yeah.","start":1080.995,"end":1081.315,"sentiment":"neutral","sentiment_score":0.02866564318537712},{"text":"The the reason I ask is, like, his company four is still quite comparable in the market in terms of, like, product, like, that you get the services and the price that you pay.","start":1081.315,"end":1090.02,"sentiment":"neutral","sentiment_score":0.2624094595803934},{"text":"It's basically just if you weren't happy with it, we can review alternatives there as well.","start":1090.66,"end":1094.8201,"sentiment":"neutral","sentiment_score":0.1843894044868648},{"text":"Like, there is no issue with Hub twenty four itself.","start":1094.8201,"end":1097.24,"sentiment":"neutral","sentiment_score":0.25069401115179063}],"sentiment":"neutral","sentiment_score":0.23246870651060053,"num_words":62,"start":1058.485,"end":1097.24},{"sentences":[{"text":"But if you're happy with it, it just means you don't have to worry about changing.","start":1097.7001,"end":1100.98,"sentiment":"positive","sentiment_score":0.3539886400103569},{"text":"But if you weren't happy, I'd be happy to have a look around at something that married up sort of thing.","start":1100.98,"end":1105.125,"sentiment":"neutral","sentiment_score":0.1746507372174944},{"text":"But then you gotta worry about, like, those capital gains costs and things like that.","start":1105.365,"end":1108.165,"sentiment":"neutral","sentiment_score":-0.056504077712694806},{"text":"That's fine.","start":1108.165,"end":1108.645,"sentiment":"neutral","sentiment_score":0.2438076287508011},{"text":"We can leave that alone.","start":1108.645,"end":1109.945,"sentiment":"neutral","sentiment_score":0.16627838015556334}],"sentiment":"neutral","sentiment_score":0.16615135109020493,"num_words":59,"start":1097.7001,"end":1109.945},{"sentences":[{"text":"And is there a time that would potentially suit you, Susie?","start":1111.205,"end":1116.165,"sentiment":"neutral","sentiment_score":0.09600270200859416},{"text":"Because I believe everyone's a little bit busy at the moment that I could get you scheduled even maybe just a little bit later today to be able to do a pre assessment to go through that quickly.","start":1116.165,"end":1125.3,"sentiment":"neutral","sentiment_score":0.05890550385964544},{"text":"Yeah.","start":1136.0549,"end":1136.2949,"sentiment":"neutral","sentiment_score":0.1035166010260582},{"text":"That's not a problem at all.","start":1136.2949,"end":1137.755,"sentiment":"neutral","sentiment_score":0.24210590620835623},{"text":"Would sort of morning or afternoon better suit you there?","start":1138.215,"end":1141.595,"sentiment":"neutral","sentiment_score":0.10144531019032002}],"sentiment":"neutral","sentiment_score":0.08886430316576452,"num_words":66,"start":1111.205,"end":1141.595},{"sentences":[{"text":"Yep.","start":1154.95,"end":1155.19,"sentiment":"neutral","sentiment_score":0.11765219271183014},{"text":"So if I did I'm just having a quick look.","start":1155.19,"end":1164.6549,"sentiment":"neutral","sentiment_score":0.11307196989655495},{"text":"If I did 3PM our time, 4PM your time on Thursday, the nineteenth, would that work for you?","start":1171.0349,"end":1177.03,"sentiment":"neutral","sentiment_score":0.0942132059070799},{"text":"Perfect.","start":1181.41,"end":1181.73,"sentiment":"positive","sentiment_score":0.4329114556312561},{"text":"Thank you.","start":1181.73,"end":1182.37,"sentiment":"positive","sentiment_score":0.4589068293571472}],"sentiment":"neutral","sentiment_score":0.13421670976094902,"num_words":32,"start":1154.95,"end":1182.37},{"sentences":[{"text":"I'll just chuck that one in there.","start":1182.37,"end":1184.07,"sentiment":"neutral","sentiment_score":0.15601820818015508},{"text":"And that must be my colleague reaching out.","start":1184.2899,"end":1185.975,"sentiment":"neutral","sentiment_score":0.11449699196964502},{"text":"So they'll just go like, there's a little bit there based on your occupation and what you do as well.","start":1185.975,"end":1190.235,"sentiment":"neutral","sentiment_score":0.053472792357206346},{"text":"You know, I doubt with your role that you're doing too much manual handling and things like that, but they'll ask the the questions and then, you know, a few things, you know, if you've taken up downhill mountain biking, things like that, just a case level of risk.","start":1190.695,"end":1201.69,"sentiment":"neutral","sentiment_score":-0.08890037865815115},{"text":"From there, we basically just check with the insurers based on your occupation, family history, and health, how they'd rate you.","start":1201.69,"end":1209.0499,"sentiment":"neutral","sentiment_score":0.026081278033199765}],"sentiment":"neutral","sentiment_score":-0.006960499765617507,"num_words":105,"start":1182.37,"end":1209.0499},{"sentences":[{"text":"And if it comes with any exclusions, I might just give you a call and let you know that, like, if we look at another policy, you're gonna end up with an exclusion.","start":1209.0499,"end":1215.315,"sentiment":"neutral","sentiment_score":-0.14075481790033254},{"text":"So it's probably best to just retain you one that doesn't have one, if that makes sense.","start":1215.315,"end":1219.495,"sentiment":"neutral","sentiment_score":-0.11912353555945789},{"text":"Not a problem at all.","start":1221.475,"end":1222.2749,"sentiment":"positive","sentiment_score":0.4133673429489136},{"text":"I'll get you booked in there, sir.","start":1222.2749,"end":1223.315,"sentiment":"positive","sentiment_score":0.5414165513856071},{"text":"But is there anything else that you wanted to have a chat about there while you've got me?","start":1223.315,"end":1227.0149,"sentiment":"neutral","sentiment_score":0.23190613753265804}],"sentiment":"neutral","sentiment_score":0.0420131744351238,"num_words":80,"start":1209.0499,"end":1227.0149},{"sentences":[{"text":"Yep.","start":1263.1201,"end":1263.6201,"sentiment":"neutral","sentiment_score":0.06799579411745071},{"text":"How it's actually tracking?","start":1265.04,"end":1266.315,"sentiment":"neutral","sentiment_score":0.06135666184127331},{"text":"Yeah.","start":1266.3949,"end":1266.8949,"sentiment":"neutral","sentiment_score":0.044684357941150665},{"text":"Yep.","start":1267.355,"end":1267.7549,"sentiment":"neutral","sentiment_score":0.025245875120162964},{"text":"So, unfortunately, we can't just go in and, like, make changes unless you're sort of in, like, an SMA sort of dynamic where they make the underlying changes much like a managed fund.","start":1267.7549,"end":1276.7949,"sentiment":"neutral","sentiment_score":-0.2270642306768533}],"sentiment":"neutral","sentiment_score":-0.17774417344480753,"num_words":40,"start":1263.1201,"end":1276.7949},{"sentences":[{"text":"So we do have to, like, obviously have the conversations when we do wanna change stuff, and Bandalong is one of the things that we do wanna look at getting getting rid of just based on their past performance and, you know, the the outlooks of their sort of fund.","start":1276.7949,"end":1288.78,"sentiment":"neutral","sentiment_score":-0.05836819935590029},{"text":"Not a problem.","start":1291.0801,"end":1291.9,"sentiment":"neutral","sentiment_score":0.30566073457400006},{"text":"But if you're happy with everything else, I'll get on to those few things.","start":1292.12,"end":1295.415,"sentiment":"neutral","sentiment_score":0.29404537938535213},{"text":"Once the pre assessment's completed, it might be really quick in terms of a phone call based on these sort of conditions that do pop up.","start":1295.8151,"end":1303.435,"sentiment":"neutral","sentiment_score":0.07461307269449417},{"text":"Or otherwise, we'll just get through with the the advice process.","start":1303.895,"end":1307.9901,"sentiment":"neutral","sentiment_score":0.10588135265491226}],"sentiment":"neutral","sentiment_score":0.050190791505603835,"num_words":104,"start":1276.7949,"end":1307.9901},{"sentences":[{"text":"If you get a call from me, basically, it'll just be an investment update, and the insurance will leave a loan.","start":1307.9901,"end":1312.31,"sentiment":"neutral","sentiment_score":0.04337762784035433},{"text":"If the insurance come back that we can look at sort of doing that anyway, I might give you a quick call just to see if you wanna look at still paying out of pocket or look at paying through super things like that and just adding a little bit more to super and those sort of ways of working things to be a little bit more cost effective for you.","start":1312.31,"end":1330.435,"sentiment":"neutral","sentiment_score":0.04869740818377952},{"text":"Perfect, Cesar.","start":1330.435,"end":1331.3151,"sentiment":"positive","sentiment_score":0.6687945425510406},{"text":"Well, thanks for your time this month or this afternoon, I should say.","start":1331.3151,"end":1334.073,"sentiment":"positive","sentiment_score":0.6581478623243479},{"text":"I'll let you get back to it, and we'll be talking soon.","start":1334.393,"end":1336.733,"sentiment":"positive","sentiment_score":0.5226571237047514}],"sentiment":"neutral","sentiment_score":0.17255330206278494,"num_words":119,"start":1307.9901,"end":1336.733},{"sentences":[{"text":"No problem.","start":1339.433,"end":1339.993,"sentiment":"positive","sentiment_score":0.6093209683895111},{"text":"Thanks, mate.","start":1339.993,"end":1340.473,"sentiment":"positive","sentiment_score":0.6989837884902954},{"text":"Bye.","start":1340.473,"end":1340.973,"sentiment":"positive","sentiment_score":0.5170029401779175}],"sentiment":"positive","sentiment_score":0.6267224907875061,"num_words":5,"start":1339.433,"end":1340.973}]}}]},{"alternatives":[{"transcript":"Hello? Cesar speaking. I'm good. Thanks. How are you? Yes. Yes. It is. Sure thing. Name is Cesar Bendoy. Date of birth is 04/14/1981. And sorry. What was the last info? Oh, address, Unit 321155 To 1159 Pacific Highway, Pimbles, New South Wales. It's more, I guess, just just try to understand how it's been performing and, like, how we've done since I joined OB Financial and how we're tracking in in terms of, I guess, just general growth and just looking at, I guess, you know, like, if there are more ways we could we could, look into to, I guess, you know, like, do we change strategy or do we just retain the current, I guess, appetite for investing? Stuff like that. Just, you know, just have a general understanding of how the fund's doing, so to speak. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Okay. Yep. Yeah. I do just have a question and just wanna take a step back. I'll can you just help me understand what the Bennelong component is? Is Bennelong like a fund manager? Mhmm. Yep. Yeah. Mhmm. Yes. Yeah. So is as I say, so Ben and Long, it in itself, provides that service where they they're more focused on investing and trying to, I guess, be more aggressive when, yeah, outperform the market. And did, like so is that then a service that you guys outsourced to them for, like, a portion of of the super? Yeah. Mhmm. Oh, I see. Okay. Yep. Okay. Okay. Alright. Thanks. Yeah. That that's makes it clear. I it's just because yeah. I've I've just haven't heard of Ben Long before, so I'm just not too familiar with them. Yep. Okay. Yep. I mean, to be to be honest, I'm not too, how do you say it, not too concerned about, like, the short term, I guess, gains or losses, if that makes sense, and just trying to, I guess, be able to position myself in, like, looking at long term growth. And, to be honest, I don't even I I think, like, whatever you guys feel would be, I guess, the best option at this point. I I trust you guys. I guess just keeping in mind that for me, it's really long term growth. So I'm not too worried about, like, you know, past year or past two years if you see it, like, really performing in the neck well, I guess, in the next decade or so. Because yeah. I mean, yeah, it's more really just preparing for retirement. And so I really don't want to, yeah, I guess, really actively manage it, so to speak. So yeah. Yeah. Yep. Thank you. Yeah. Mhmm. Okay. What would you, I guess, recommend? Yeah. Yeah. Yeah. Yeah. Yeah. I understand. But do you, I guess, have, at this point, like, better options than Benelon? Do you know do you know, like, if we were to transfer like, move away from Benelon if there are at least there's been, like, better performing managed funds, so to speak. Yeah. Yep. Yes, sir. Yeah. I think because before, I guess, coming into this joining, moving to Oakview, the idea was to have a certain component that's protected by, you know, like, be like, that's more conservative in its approach, but then still have, like, that at least a portion that's a bit more aggressive that tries to grow the, you know, grow the money a bit more aggressively. I think that's always been the approach. So I think, yeah, we we could probably stick with that and just select a different fund if you you know, what you think would be the best this time around. Mhmm. Okay. Yeah. I mean, that worked. I mean because, like, looking at it overall, it's it's I mean, it's I wouldn't say I mean, it's performed really well. You know? Like and, again, like, I guess my position coming in is is long term growth. So, like, the 10 did you mention 10% year on year? Yeah. Yeah. That's actually pretty good. Yep. So, yeah, like, honestly, I'm I'm happy with that performance. So, yeah, I guess we don't really need to take too much of, like, make drastic changes to the approach. Yeah. I mean, I'm I'm happy if you guys could, like, could find a better I I mean, the with the level of coverage I'm getting from Noble Oak and for the premiums I pay, I'm still quite happy with them. But, of course, like, if there's something out there that's better, because that would save me money for the same coverage, like, I'd be more than happy to, yeah, look into it or consider it. Yes. Yeah. Yeah. Mhmm. No. I don't have any. Yes. Not really. Not really. And I I would think that Noble Oak might have it, but probably not. So yeah. Oh, okay. Yeah. Yeah. Sure. Sure. Fine. No. I've not had any issues with it. I mean, I I don't really go into the platform that often. I probably just look at it every once in a while just to see how, yep, you know, my super is tracking. But, yeah, I don't actively, I guess, use the platform. It's more log in, look at the current balance, and that's it. Yeah. But I did I did notice that sometimes there'd be, like, notices about fees coming up or or, like, going up and whatnot, but I don't really I I I guess what I'm trying to say is I know you guys are on top of that anyway. So yeah. Yeah. Yeah. I'll be very busy the rest of the day. Perhaps towards the end of the week be better, if that's alright. I think either Thursday or Friday from probably 4PM Sydney time onwards. Yes. Yes. And no. Mhmm. Yep. Yeah. Okay. Yeah. Yeah. Okay. Yeah. At the moment, no. I'm actually just yep. Just just my I guess, the the main thing that I wanted to find out was, like, the year on year growth since inception. And, yeah, I'm I'm since you've provided me the numbers, I'm actually very okay with that. Yep. It's just, you know, like, just being able to see where we're at, like, from time to time, just how how we're tracking. But like I said, I I didn't really want to worry too much about, like, you know, how my super is being invested. It's more like, yeah, leaving that to you you guys. Yeah. Mhmm. Yep. Yep. Okay. No worries. Mhmm. Okay. Mhmm. Okay. Yeah. Yeah. This sounds good. Alright. Thanks so much for your call. Appreciate it. Alright. Cheers. 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Cesar speaking. I'm good. Thanks. How are you?\n\nYes. Yes. It is. Sure thing. Name is Cesar Bendoy.\n\nDate of birth is 04/14/1981. And sorry. What was the last info? Oh, address, Unit 321155 To 1159 Pacific Highway, Pimbles, New South Wales. It's more, I guess, just just try to understand how it's been performing and, like, how we've done since I joined OB Financial and how we're tracking in in terms of, I guess, just general growth and just looking at, I guess, you know, like, if there are more ways we could we could, look into to, I guess, you know, like, do we change strategy or do we just retain the current, I guess, appetite for investing?\n\nStuff like that. Just, you know, just have a general understanding of how the fund's doing, so to speak. Mhmm. Yep. Mhmm.\n\nMhmm. Yep. Mhmm. Okay. Yep.\n\nYeah. I do just have a question and just wanna take a step back. I'll can you just help me understand what the Bennelong component is? Is Bennelong like a fund manager? Mhmm.\n\nYep. Yeah. Mhmm. Yes. Yeah.\n\nSo is as I say, so Ben and Long, it in itself, provides that service where they they're more focused on investing and trying to, I guess, be more aggressive when, yeah, outperform the market. And did, like so is that then a service that you guys outsourced to them for, like, a portion of of the super? Yeah. Mhmm. Oh, I see.\n\nOkay. Yep. Okay. Okay. Alright.\n\nThanks. Yeah. That that's makes it clear. I it's just because yeah. I've I've just haven't heard of Ben Long before, so I'm just not too familiar with them.\n\nYep. Okay. Yep. I mean, to be to be honest, I'm not too, how do you say it, not too concerned about, like, the short term, I guess, gains or losses, if that makes sense, and just trying to, I guess, be able to position myself in, like, looking at long term growth. And, to be honest, I don't even I I think, like, whatever you guys feel would be, I guess, the best option at this point.\n\nI I trust you guys. I guess just keeping in mind that for me, it's really long term growth. So I'm not too worried about, like, you know, past year or past two years if you see it, like, really performing in the neck well, I guess, in the next decade or so. Because yeah. I mean, yeah, it's more really just preparing for retirement.\n\nAnd so I really don't want to, yeah, I guess, really actively manage it, so to speak. So yeah. Yeah. Yep. Thank you.\n\nYeah. Mhmm. Okay. What would you, I guess, recommend? Yeah.\n\nYeah. Yeah. Yeah. Yeah. I understand.\n\nBut do you, I guess, have, at this point, like, better options than Benelon? Do you know do you know, like, if we were to transfer like, move away from Benelon if there are at least there's been, like, better performing managed funds, so to speak. Yeah. Yep. Yes, sir.\n\nYeah. I think because before, I guess, coming into this joining, moving to Oakview, the idea was to have a certain component that's protected by, you know, like, be like, that's more conservative in its approach, but then still have, like, that at least a portion that's a bit more aggressive that tries to grow the, you know, grow the money a bit more aggressively. I think that's always been the approach. So I think, yeah, we we could probably stick with that and just select a different fund if you you know, what you think would be the best this time around. Mhmm.\n\nOkay. Yeah. I mean, that worked. I mean because, like, looking at it overall, it's it's I mean, it's I wouldn't say I mean, it's performed really well. You know?\n\nLike and, again, like, I guess my position coming in is is long term growth. So, like, the 10 did you mention 10% year on year? Yeah. Yeah. That's actually pretty good.\n\nYep. So, yeah, like, honestly, I'm I'm happy with that performance. So, yeah, I guess we don't really need to take too much of, like, make drastic changes to the approach. Yeah. I mean, I'm I'm happy if you guys could, like, could find a better I I mean, the with the level of coverage I'm getting from Noble Oak and for the premiums I pay, I'm still quite happy with them.\n\nBut, of course, like, if there's something out there that's better, because that would save me money for the same coverage, like, I'd be more than happy to, yeah, look into it or consider it. Yes. Yeah. Yeah. Mhmm.\n\nNo. I don't have any. Yes. Not really. Not really.\n\nAnd I I would think that Noble Oak might have it, but probably not. So yeah. Oh, okay. Yeah. Yeah.\n\nSure. Sure. Fine. No. I've not had any issues with it.\n\nI mean, I I don't really go into the platform that often. I probably just look at it every once in a while just to see how, yep, you know, my super is tracking. But, yeah, I don't actively, I guess, use the platform. It's more log in, look at the current balance, and that's it. Yeah.\n\nBut I did I did notice that sometimes there'd be, like, notices about fees coming up or or, like, going up and whatnot, but I don't really I I I guess what I'm trying to say is I know you guys are on top of that anyway. So yeah. Yeah. Yeah. I'll be very busy the rest of the day.\n\nPerhaps towards the end of the week be better, if that's alright. I think either Thursday or Friday from probably 4PM Sydney time onwards. Yes. Yes. And no.\n\nMhmm. Yep. Yeah. Okay. Yeah.\n\nYeah. Okay. Yeah. At the moment, no. I'm actually just yep.\n\nJust just my I guess, the the main thing that I wanted to find out was, like, the year on year growth since inception. And, yeah, I'm I'm since you've provided me the numbers, I'm actually very okay with that. Yep. It's just, you know, like, just being able to see where we're at, like, from time to time, just how how we're tracking. But like I said, I I didn't really want to worry too much about, like, you know, how my super is being invested.\n\nIt's more like, yeah, leaving that to you you guys. Yeah. Mhmm. Yep. Yep.\n\nOkay. No worries. Mhmm. Okay. Mhmm.\n\nOkay. Yeah. Yeah. This sounds good. Alright.\n\nThanks so much for your call. Appreciate it. Alright. Cheers. 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do just have a question and just wanna take a step back.","start":243.685,"end":248.245,"sentiment":"neutral","sentiment_score":-0.026895813214091156},{"text":"I'll can you just help me understand what the Bennelong component is?","start":248.245,"end":252.08499,"sentiment":"neutral","sentiment_score":0.02483052775884668},{"text":"Is Bennelong like a fund manager?","start":252.08499,"end":254.33,"sentiment":"neutral","sentiment_score":0.0014522999214629326},{"text":"Mhmm.","start":268.47,"end":268.72,"sentiment":"neutral","sentiment_score":0.03555295616388321}],"sentiment":"neutral","sentiment_score":-0.0017371971555279963,"num_words":33,"start":243.28499,"end":268.72},{"sentences":[{"text":"Yep.","start":268.72,"end":268.995,"sentiment":"neutral","sentiment_score":0.060697030276060104},{"text":"Yeah.","start":269.235,"end":269.735,"sentiment":"neutral","sentiment_score":0.06772676855325699},{"text":"Mhmm.","start":281.955,"end":282.455,"sentiment":"neutral","sentiment_score":0.06345024704933167},{"text":"Yes.","start":299.995,"end":300.495,"sentiment":"neutral","sentiment_score":0.12204129248857498},{"text":"Yeah.","start":314.30002,"end":314.80002,"sentiment":"neutral","sentiment_score":0.08150070905685425}],"sentiment":"neutral","sentiment_score":0.07908320948481559,"num_words":5,"start":268.72,"end":314.80002},{"sentences":[{"text":"So is as I say, so Ben and Long, it in itself, provides that service where they they're more focused on investing and trying to, I guess, be more aggressive when, yeah, outperform the market.","start":314.94,"end":333.885,"sentiment":"neutral","sentiment_score":0.1608370072075299},{"text":"And did, like so is that then a service that you guys outsourced to them for, like, a portion of of the super?","start":333.885,"end":342.28,"sentiment":"neutral","sentiment_score":0.053418394866520946},{"text":"Yeah.","start":347.86,"end":348.36,"sentiment":"neutral","sentiment_score":0.06829603016376495},{"text":"Mhmm.","start":350.34,"end":350.84,"sentiment":"neutral","sentiment_score":0.043808482587337494},{"text":"Oh, I 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that's makes it clear.","start":375.06,"end":377.0,"sentiment":"neutral","sentiment_score":0.16153238713741302},{"text":"I it's just because yeah.","start":377.46,"end":378.5,"sentiment":"neutral","sentiment_score":0.03982852380722761},{"text":"I've I've just haven't heard of Ben Long before, so I'm just not too familiar with them.","start":378.5,"end":383.99503,"sentiment":"neutral","sentiment_score":-0.013634156144689769}],"sentiment":"neutral","sentiment_score":0.05062147128146848,"num_words":29,"start":374.41998,"end":383.99503},{"sentences":[{"text":"Yep.","start":405.2,"end":405.52002,"sentiment":"neutral","sentiment_score":0.02874896675348282},{"text":"Okay.","start":405.52002,"end":406.02002,"sentiment":"neutral","sentiment_score":0.06362522393465042},{"text":"Yep.","start":427.07,"end":427.57,"sentiment":"neutral","sentiment_score":-0.04028341919183731},{"text":"I mean, to be to be honest, I'm not too, how do you say it, not too concerned about, like, the short term, I guess, gains or losses, if that makes sense, and just trying to, I guess, be able to position myself in, like, looking at long term growth.","start":474.045,"end":497.505,"sentiment":"neutral","sentiment_score":0.07084076263010503},{"text":"And, to be honest, I don't even I I think, like, whatever you guys feel would be, I guess, the best option at this point.","start":498.045,"end":509.99,"sentiment":"neutral","sentiment_score":-0.20712644770741462}],"sentiment":"neutral","sentiment_score":-0.020308106277997676,"num_words":78,"start":405.2,"end":509.99},{"sentences":[{"text":"I I trust you guys.","start":510.21,"end":511.59,"sentiment":"neutral","sentiment_score":0.21085254848003387},{"text":"I guess just keeping in mind that for me, it's really long term growth.","start":512.13,"end":516.47,"sentiment":"neutral","sentiment_score":0.3284896207707269},{"text":"So I'm not too worried about, like, you know, past year or past two years if you see it, like, really performing in the neck well, I guess, in the next decade or so.","start":516.77,"end":527.515,"sentiment":"neutral","sentiment_score":0.2054766653215184},{"text":"Because yeah.","start":527.895,"end":529.09503,"sentiment":"neutral","sentiment_score":0.054186344146728516},{"text":"I mean, yeah, it's more really just preparing for retirement.","start":529.09503,"end":532.715,"sentiment":"neutral","sentiment_score":0.08686252757906913}],"sentiment":"neutral","sentiment_score":0.20948187720317107,"num_words":65,"start":510.21,"end":532.715},{"sentences":[{"text":"And so I really don't want to, yeah, I guess, really actively manage it, so to speak.","start":533.495,"end":542.07996,"sentiment":"neutral","sentiment_score":-0.18478434532880783},{"text":"So yeah.","start":542.94,"end":545.12,"sentiment":"neutral","sentiment_score":-0.08580787852406502},{"text":"Yeah.","start":545.66,"end":546.16,"sentiment":"neutral","sentiment_score":0.021327435970306396},{"text":"Yep.","start":558.005,"end":558.505,"sentiment":"neutral","sentiment_score":-0.14764589071273804},{"text":"Thank you.","start":561.04504,"end":561.78503,"sentiment":"positive","sentiment_score":0.48202669620513916}],"sentiment":"neutral","sentiment_score":-0.10761802999869637,"num_words":23,"start":533.495,"end":561.78503},{"sentences":[{"text":"Yeah.","start":565.54,"end":566.04,"sentiment":"neutral","sentiment_score":0.22164082527160645},{"text":"Mhmm.","start":568.82,"end":569.32,"sentiment":"neutral","sentiment_score":0.03483375534415245},{"text":"Okay.","start":576.02,"end":576.52,"sentiment":"neutral","sentiment_score":0.017687462270259857},{"text":"What would you, I guess, recommend?","start":593.85,"end":595.71,"sentiment":"neutral","sentiment_score":0.003281342020879189},{"text":"Yeah.","start":624.19,"end":624.69,"sentiment":"neutral","sentiment_score":-0.1064678281545639}],"sentiment":"neutral","sentiment_score":0.018738226685672998,"num_words":10,"start":565.54,"end":624.69},{"sentences":[{"text":"Yeah.","start":626.26996,"end":626.76996,"sentiment":"neutral","sentiment_score":-0.07831322401762009},{"text":"Yeah.","start":645.075,"end":645.575,"sentiment":"neutral","sentiment_score":0.06186801195144653},{"text":"Yeah.","start":658.65,"end":659.13,"sentiment":"neutral","sentiment_score":0.002897920785471797},{"text":"Yeah.","start":659.13,"end":659.63,"sentiment":"neutral","sentiment_score":0.03189083933830261},{"text":"I understand.","start":659.93,"end":660.67004,"sentiment":"neutral","sentiment_score":0.014629791490733624}],"sentiment":"neutral","sentiment_score":0.007933855173178017,"num_words":6,"start":626.26996,"end":660.67004},{"sentences":[{"text":"But do you, I guess, have, at this point, like, better options than Benelon?","start":660.89,"end":666.91003,"sentiment":"neutral","sentiment_score":-0.07661073362188679},{"text":"Do you know do you know, like, if we were to transfer like, move away from Benelon if there are at least there's been, like, better performing managed funds, so to speak.","start":667.505,"end":680.485,"sentiment":"neutral","sentiment_score":-0.0815574408043176},{"text":"Yeah.","start":696.43,"end":696.93,"sentiment":"neutral","sentiment_score":-0.22997616231441495},{"text":"Yep.","start":707.285,"end":707.52496,"sentiment":"neutral","sentiment_score":0.017491165548563004},{"text":"Yes, sir.","start":707.52496,"end":708.265,"sentiment":"neutral","sentiment_score":0.06536138989031315}],"sentiment":"neutral","sentiment_score":-0.07528301186859608,"num_words":50,"start":660.89,"end":708.265},{"sentences":[{"text":"Yeah.","start":724.335,"end":724.655,"sentiment":"neutral","sentiment_score":0.06454414874315262},{"text":"I think because before, I guess, coming into this joining, moving to Oakview, the idea was to have a certain component that's protected by, you know, like, be like, that's more conservative in its approach, but then still have, like, that at least a portion that's a bit more aggressive that tries to grow the, you know, grow the money a bit more aggressively.","start":724.655,"end":749.76996,"sentiment":"neutral","sentiment_score":0.04477952147135511},{"text":"I think that's always been the approach.","start":750.20496,"end":751.725,"sentiment":"neutral","sentiment_score":0.11120466355766569},{"text":"So I think, yeah, we we could probably stick with that and just select a different fund if you you know, what you think would be the best this time around.","start":751.725,"end":760.14496,"sentiment":"neutral","sentiment_score":0.09366720145748507},{"text":"Mhmm.","start":772.5,"end":773.0,"sentiment":"neutral","sentiment_score":0.14584405720233917}],"sentiment":"neutral","sentiment_score":0.06498455259805688,"num_words":104,"start":724.335,"end":773.0},{"sentences":[{"text":"Okay.","start":789.42505,"end":789.825,"sentiment":"neutral","sentiment_score":0.12783633172512054},{"text":"Yeah.","start":789.825,"end":790.325,"sentiment":"neutral","sentiment_score":0.15539801120758057},{"text":"I mean, that worked.","start":791.265,"end":792.145,"sentiment":"neutral","sentiment_score":0.21606819331645966},{"text":"I mean because, like, looking at it overall, it's it's I mean, it's I wouldn't say I mean, it's performed really well.","start":792.145,"end":800.01996,"sentiment":"positive","sentiment_score":0.38235409490086814},{"text":"You know?","start":800.16,"end":800.48,"sentiment":"neutral","sentiment_score":0.22313423454761505}],"sentiment":"positive","sentiment_score":0.333518855770429,"num_words":30,"start":789.42505,"end":800.48},{"sentences":[{"text":"Like and, again, like, I guess my position coming in is is long term growth.","start":800.48,"end":806.74,"sentiment":"neutral","sentiment_score":0.2344939738512039},{"text":"So, like, the 10 did you mention 10% year on year?","start":806.8,"end":811.475,"sentiment":"neutral","sentiment_score":0.16662150756879288},{"text":"Yeah.","start":813.295,"end":813.795,"sentiment":"neutral","sentiment_score":0.09846709668636322},{"text":"Yeah.","start":814.975,"end":815.295,"sentiment":"neutral","sentiment_score":0.1175522580742836},{"text":"That's actually pretty good.","start":815.295,"end":816.995,"sentiment":"positive","sentiment_score":0.4003049284219742}],"sentiment":"neutral","sentiment_score":0.22398391435854137,"num_words":32,"start":800.48,"end":816.995},{"sentences":[{"text":"Yep.","start":834.77997,"end":835.27997,"sentiment":"neutral","sentiment_score":0.13913169503211975},{"text":"So, yeah, like, honestly, I'm I'm happy with that performance.","start":835.66,"end":839.465,"sentiment":"positive","sentiment_score":0.6085174202919006},{"text":"So, yeah, I guess we don't really need to take too much of, like, make drastic changes to the approach.","start":839.525,"end":847.945,"sentiment":"neutral","sentiment_score":0.1450960375368595},{"text":"Yeah.","start":862.5,"end":863.0,"sentiment":"neutral","sentiment_score":-0.010647052899003027},{"text":"I mean, I'm I'm happy if you guys could, like, could find a better I I mean, the with the level of coverage I'm getting from Noble Oak and for the premiums I pay, I'm still quite happy with 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okay.","start":1007.415,"end":1008.235,"sentiment":"neutral","sentiment_score":0.09270526468753815},{"text":"Yeah.","start":1008.695,"end":1009.195,"sentiment":"neutral","sentiment_score":0.20006582140922544},{"text":"Yeah.","start":1016.72003,"end":1017.04004,"sentiment":"neutral","sentiment_score":0.06982459127902985}],"sentiment":"neutral","sentiment_score":-0.0827208774164319,"num_words":20,"start":982.355,"end":1017.04004},{"sentences":[{"text":"Sure.","start":1017.04004,"end":1017.44,"sentiment":"neutral","sentiment_score":0.14646461606025696},{"text":"Sure.","start":1017.44,"end":1017.76,"sentiment":"neutral","sentiment_score":0.20425131916999817},{"text":"Fine.","start":1017.76,"end":1018.26,"sentiment":"neutral","sentiment_score":0.31321388483047485},{"text":"No.","start":1038.58,"end":1038.8999,"sentiment":"neutral","sentiment_score":-0.2017839252948761},{"text":"I've not had any issues with 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it.","start":1058.245,"end":1062.905,"sentiment":"neutral","sentiment_score":0.005689318524673581},{"text":"Yeah.","start":1064.3999,"end":1064.6399,"sentiment":"neutral","sentiment_score":0.010348688811063766}],"sentiment":"neutral","sentiment_score":-0.07548963770335704,"num_words":57,"start":1041.46,"end":1064.6399},{"sentences":[{"text":"But I did I did notice that sometimes there'd be, like, notices about fees coming up or or, like, going up and whatnot, but I don't really I I I guess what I'm trying to say is I know you guys are on top of that anyway.","start":1064.6399,"end":1079.995,"sentiment":"neutral","sentiment_score":-0.15054275364951886},{"text":"So yeah.","start":1079.995,"end":1081.865,"sentiment":"neutral","sentiment_score":-0.04665907472372055},{"text":"Yeah.","start":1105.705,"end":1106.205,"sentiment":"neutral","sentiment_score":-0.0077723003923892975},{"text":"Yeah.","start":1110.265,"end":1110.765,"sentiment":"neutral","sentiment_score":0.10675667971372604},{"text":"I'll be very busy the rest of the day.","start":1126.61,"end":1129.83,"sentiment":"neutral","sentiment_score":-0.08394710719585419}],"sentiment":"neutral","sentiment_score":-0.13042278594026963,"num_words":60,"start":1064.6399,"end":1129.83},{"sentences":[{"text":"Perhaps towards the end of the week be better, if that's alright.","start":1132.05,"end":1141.245,"sentiment":"neutral","sentiment_score":0.02350278648858269},{"text":"I think either Thursday or Friday from probably 4PM Sydney time 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the moment, no.","start":1229.255,"end":1230.775,"sentiment":"neutral","sentiment_score":0.05530934035778046},{"text":"I'm actually just yep.","start":1230.775,"end":1232.875,"sentiment":"neutral","sentiment_score":-0.016790905268862844}],"sentiment":"neutral","sentiment_score":0.029983675869351082,"num_words":11,"start":1217.87,"end":1232.875},{"sentences":[{"text":"Just just my I guess, the the main thing that I wanted to find out was, like, the year on year growth since inception.","start":1233.175,"end":1241.92,"sentiment":"neutral","sentiment_score":0.22672255958120027},{"text":"And, yeah, I'm I'm since you've provided me the numbers, I'm actually very okay with that.","start":1242.54,"end":1248.105,"sentiment":"positive","sentiment_score":0.4455592669546604},{"text":"Yep.","start":1248.245,"end":1248.745,"sentiment":"positive","sentiment_score":0.3475371301174164},{"text":"It's just, you know, like, just being able to see where we're at, like, from time to time, just how how we're tracking.","start":1249.125,"end":1256.325,"sentiment":"neutral","sentiment_score":0.2438114486310793},{"text":"But like I said, I I didn't really want to worry too much about, like, you know, how my super is being invested.","start":1256.325,"end":1262.36,"sentiment":"neutral","sentiment_score":0.020080525913964146}],"sentiment":"neutral","sentiment_score":0.21824531317099757,"num_words":87,"start":1233.175,"end":1262.36},{"sentences":[{"text":"It's more like, yeah, leaving that to you you guys.","start":1262.66,"end":1266.58,"sentiment":"neutral","sentiment_score":0.04507613070309162},{"text":"Yeah.","start":1266.58,"end":1267.08,"sentiment":"neutral","sentiment_score":0.04270417243242264},{"text":"Mhmm.","start":1277.4349,"end":1277.9349,"sentiment":"neutral","sentiment_score":-0.07381563633680344},{"text":"Yep.","start":1279.515,"end":1280.015,"sentiment":"neutral","sentiment_score":-0.03796708583831787},{"text":"Yep.","start":1280.235,"end":1280.735,"sentiment":"neutral","sentiment_score":-0.01093611679971218}],"sentiment":"neutral","sentiment_score":0.026481902892036096,"num_words":14,"start":1262.66,"end":1280.735},{"sentences":[{"text":"Okay.","start":1289.2201,"end":1289.7201,"sentiment":"neutral","sentiment_score":0.09243911504745483},{"text":"No worries.","start":1289.9401,"end":1290.6001,"sentiment":"neutral","sentiment_score":0.1326066516339779},{"text":"Mhmm.","start":1311.025,"end":1311.265,"sentiment":"neutral","sentiment_score":0.012755553238093851},{"text":"Okay.","start":1311.265,"end":1311.765,"sentiment":"neutral","sentiment_score":0.010549351572990416},{"text":"Mhmm.","start":1321.92,"end":1322.42,"sentiment":"neutral","sentiment_score":0.006579906679689884}],"sentiment":"neutral","sentiment_score":0.0645895383010308,"num_words":6,"start":1289.2201,"end":1322.42},{"sentences":[{"text":"Okay.","start":1322.56,"end":1323.06,"sentiment":"neutral","sentiment_score":0.03566005825996399},{"text":"Yeah.","start":1328.305,"end":1328.545,"sentiment":"neutral","sentiment_score":0.11635522544384004},{"text":"Yeah.","start":1328.545,"end":1329.045,"sentiment":"neutral","sentiment_score":0.24473026394844055},{"text":"This sounds good.","start":1330.5851,"end":1335.165,"sentiment":"positive","sentiment_score":0.6263709366321564},{"text":"Alright.","start":1336.7051,"end":1337.1051,"sentiment":"positive","sentiment_score":0.6189150810241699}],"sentiment":"positive","sentiment_score":0.41353906265326906,"num_words":7,"start":1322.56,"end":1337.1051},{"sentences":[{"text":"Thanks so much for your call.","start":1337.1051,"end":1338.385,"sentiment":"positive","sentiment_score":0.8432518243789673},{"text":"Appreciate it.","start":1338.385,"end":1339.285,"sentiment":"positive","sentiment_score":0.799110472202301},{"text":"Alright.","start":1340.8651,"end":1341.265,"sentiment":"positive","sentiment_score":0.40068650245666504},{"text":"Cheers.","start":1341.265,"end":1341.7451,"sentiment":"positive","sentiment_score":0.6408740282058716},{"text":"Bye.","start":1341.7451,"end":1342.2451,"sentiment":"neutral","sentiment_score":-0.1056647002696991}],"sentiment":"positive","sentiment_score":0.6903297928246585,"num_words":11,"start":1337.1051,"end":1342.2451}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Cesar speaking.\n\nChannel 0: Good afternoon, Caesar. It's Kyle calling from Financial. How are you today?\n\nChannel 1: I'm good. Thanks. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for a bit of a follow-up. Is now still a good time?\n\nChannel 1: Yes. Yes. It is.\n\nChannel 0: Perfect. If I could just you through security, just that name, date of birth, and current address, we can get stuck into that one today.\n\nChannel 1: Sure thing. Name is Cesar Bendoy. Date of birth is 04/14/1981. And sorry. What was the last\n\nChannel 0: Just your current\n\nChannel 1: info?\n\nChannel 0: address. Thanks, Caesar.\n\nChannel 1: Oh, address, Unit 321155 To 1159 Pacific Highway, Pimbles, New South Wales.\n\nChannel 0: Perfect. Thank you for that one. Now I know it was just in regards to your portfolio and how that was tracking in addition to the the bed along fund within that. Did you sort of have any questions before I jump into that at all there, Susan?\n\nChannel 1: It's more, I guess, just just try to understand how it's been performing and, like, how we've done since I joined OB Financial and how we're tracking in in terms of, I guess, just general growth and just looking at, I guess, you know, like, if there are more ways we could we could, look into to, I guess, you know, like, do we change strategy or do we just retain the current, I guess, appetite for investing? Stuff like that. Just, you know, just have a general understanding of how the fund's doing, so to speak.\n\nChannel 0: Perfect. Yeah. Not a problem at all. So I can let you know, like, since inception, since you came on board with Oakview, your funds been performing quite well. Like, it's since inception after fees, it's done 36.21%, which works out to be 9.98 after fees per\n\nChannel 1: Mhmm.\n\nChannel 0: annum. So 10% per annum, basically. After fees cost for growth portfolio, it's quite good still. I'm sure you'd agree if you kept getting 10% on average for, like, an 80% growth, 20% defensive split, it's quite nice if you can keep that up.\n\nChannel 1: Yep.\n\nChannel 0: The reason it stalled a little bit there in the last year so I think your average for the last year was around 5.71 is\n\nChannel 1: Mhmm.\n\nChannel 0: due to the active managed portion of Benelon. So you do have two actively managed funds in there. Now within that that fund there, it as a whole, for the past five years, it hasn't performed too crash hot. I must admit for a managed fund, you expect them to be outperforming the market where it's been doing around the sort of six to 7% maybe before any sort\n\nChannel 1: Mhmm.\n\nChannel 0: of fees and costs. And then with the end of last year, I'm not too sure if you heard, there was a trading suspend on one of their underlying investments, and that was Corporate Troubler. And that was due to the company itself, not Ben Long, but the company they hold not reporting correctly, and they got done from the dodgy accounting practices, which, pardon me, which caused Ben Long to have to reevaluate that share price and then\n\nChannel 1: Yep.\n\nChannel 0: also a loss of, like, consumer confidence in that fund, which caused quite a backwards, downwards, event there towards the end of last year. And then\n\nChannel 1: Mhmm.\n\nChannel 0: since then, they've come back a little bit. They haven't come back a whole heap. As a company, they have sort of as we come across, like, investment reviews and, like, the annual reviews and things like that, we are reviewing the Benelung portion. So the options there are even though you've hit the loss, we normally say, like, you know, don't sell low, buy high. But in this current circumstances, just with the conviction there, the investment, McKinney wants to start moving away from Benelung, not just because of their past performance, but just due to that event there as well, they do wanna start moving away from it.\n\nChannel 1: Okay.\n\nChannel 0: So the options for that as we can just look at removing specifically the benelong and replacing it with either an actively managed portion or a more indexed approach, so one that can either try it out on the market for a bit higher cost, much like benolon. But you can see how that can have a negative correlation as well that if they don't get it right, it can go backwards. And then you have oh, yeah. Sorry.\n\nChannel 1: Yep. Yeah. I do just have a question and just wanna take a step back. I'll can you just help me understand what the Bennelong component is? Is Bennelong like a fund manager?\n\nChannel 0: Yes. Yes. So it's an actively managed fund. So when I talk about an indexed investment, it encapsulations like a broad industry, so or an area, like a geographical area. So when I say that the S and P 500 in its index\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: for the\n\nChannel 1: Yeah.\n\nChannel 0: top 500 companies in America, now it's somewhat dynamic in the sense that if a company falls out of that top 500, you no longer hold that. If a company grows to a size where it's in that top 500, then you do hold that. And then\n\nChannel 1: Mhmm.\n\nChannel 0: it just shows that as the market trends, that's the way it follows because it's based on pure company size and what's happening in the world. Whereas a fund manager like Ben Long aims to, you know, based on their data analytics, there's a few ways people do it, whether it's performance driven or value driven\n\nChannel 1: Yes.\n\nChannel 0: in their analytics. And then they try and find the gaps in the market to get additional growth and try and beat those indexes. So not just tracking what the market themselves are doing, but trying to outperform them, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense.\n\nChannel 1: So is as I say, so Ben and Long, it in itself, provides that service where they they're more focused on investing and trying to, I guess, be\n\nChannel 0: Outperform\n\nChannel 1: more aggressive\n\nChannel 0: the\n\nChannel 1: when,\n\nChannel 0: the\n\nChannel 1: yeah,\n\nChannel 0: market.\n\nChannel 1: outperform\n\nChannel 0: Yeah.\n\nChannel 1: the market. And did, like so is that then a service that you guys outsourced to them for, like, a portion of of the super?\n\nChannel 0: So so with that one there, your all your funds are held on hub twenty four. We build\n\nChannel 1: Yeah.\n\nChannel 0: the portfolios on hub twenty four, and they're\n\nChannel 1: Mhmm.\n\nChannel 0: available investment options. Much like if you go on the ASX, like, Benelong is a listed security or your securities are listed on the ASX,\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: see. Okay.\n\nChannel 0: yeah. And it's not that we just give them the money. It's, like, the same as buying any sort of shares, like, with Super, you're the beneficiary of those shares, whether it's index\n\nChannel 1: Yep.\n\nChannel 0: direct or, like, managed funds, if that makes sense.\n\nChannel 1: Okay. Okay. Alright. Thanks. Yeah.\n\nThat that's makes it clear.\n\nChannel 0: Clears it\n\nChannel 1: I\n\nChannel 0: up.\n\nChannel 1: it's just because yeah. I've I've just haven't heard of Ben Long before, so I'm just not too familiar with them.\n\nChannel 0: But, yeah, yeah, it is an Australian equities. Actually, over the past twenty years, there were well, so twenty five years ago for a twenty year period, they were quite an an aggressive growth. Like, in terms of, like, their returns, they were doing really, really quite well. Following the events of COVID, they just really haven't come back much from that, and they haven't found their form again.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So the, yeah, the options there are we can replace Benelux, because it's an Australian equities, with an alternate Australian equities, whether that's index or another, like, actively managed fund. Index is obviously comes at a bit of a cheaper cost base for you, and then the active management obviously goes to try and outperform that market. You pay a little bit more for that active management there.\n\nChannel 1: Yep.\n\nChannel 0: Or the option there is given that it has taken a little bit of a loss, we can look at reviewing the entire portfolio, doing a few updates in regards to portfolio as a whole and use some of those losses to offset some CGT or capital gains for some of the other investments. Because currently, if you sold down everything, you'd pay around sort of the 2,400 in total tax if you were to sort of sell everything down to to cash right now. But in saying that when moving funds and doing a fund update, generally, the core, like, the S and P 500 and, like, things like your defensive portion that are quite key, like gold and things like that, they stay, like, in the newer portfolios generally as well. So you wouldn't be looking at, like, a full CGT sell down if you were to do, like, a full refresh and update if that's the the case.\n\nChannel 1: I mean, to be to be honest, I'm not too, how do you say it, not too concerned about, like, the short term, I guess, gains or losses, if that makes sense,\n\nChannel 0: Yep.\n\nChannel 1: and just trying to, I guess, be able to position myself in, like, looking at long term growth. And, to be honest, I don't even I I think, like, whatever you guys feel would be, I guess, the best option at this point. I I trust you guys. I guess just keeping in mind that for me, it's really long term growth. So I'm\n\nChannel 0: Yep.\n\nChannel 1: not too worried about, like, you know, past year or past two years if you see it, like, really performing in the neck well, I guess, in the next decade or so. Because yeah. I mean, yeah, it's more really just preparing for retirement. And\n\nChannel 0: Yep.\n\nChannel 1: so I really don't want to, yeah, I guess, really actively manage it, so to speak.\n\nChannel 0: You don't wanna\n\nChannel 1: So\n\nChannel 0: do the chopping and changing and then,\n\nChannel 1: yeah.\n\nChannel 0: like yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Which is what we sort of push here as well. You know, Elexu is not to be day traded by any means. But given that you have held that Ben Long Fund for that period of time of, like, three years and it haven't really done much, we'd be probably\n\nChannel 1: Yep.\n\nChannel 0: looking towards removing that one at least. If you're happy\n\nChannel 1: Thank\n\nChannel 0: with\n\nChannel 1: you.\n\nChannel 0: the growth out of your like, there's nothing wrong with the rest of the portfolio. In terms of you're\n\nChannel 1: Yeah.\n\nChannel 0: happy with the returns, it is getting and holding that longer term.\n\nChannel 1: Mhmm.\n\nChannel 0: As I said, a lot of the key components in that key components in, like, updated portfolios or if we were to refresh it anyway,\n\nChannel 1: Okay.\n\nChannel 0: And we can just look at replacing that Benelong portion with either, like, as I said, an active portion again or looking at just more of an index option, which just tracks the, like, sort of a market index in the Australian sort of area or\n\nChannel 1: What would you, I guess, recommend?\n\nChannel 0: region. In terms of that, it comes down to, like, your tolerance to risk a little bit there as well. Like, if if you wanna outperform the market, you've gotta have that level of active component to try and beat what the market's doing. If you're happy to have a lower cost investment over that longer term period and just track what the markets are doing and just getting that, like, sustained long term growth with a little less volatility in the sense that, you know, the index is what the market's actually doing, whereas the market manager\n\nChannel 1: Yeah.\n\nChannel 0: could get it wrong much like Benelon where it goes\n\nChannel 1: Yeah.\n\nChannel 0: backwards again. So that's the sorta the level of risk you take on with that manager risk. And if you wanna sorta mitigate that a little bit, you've still got the ClearBridge rare infrastructure fund, which is a managed fund within that. So you'd still hold a level of active management. It would just reduce it a portion there and\n\nChannel 1: Yeah.\n\nChannel 0: keep index at a lower cost over that longer term period or a fund that wants to aim at beating the market and getting higher returns for that little extra cost, but it's, like, no guarantee that they'll obviously outperform the\n\nChannel 1: Yeah. Yeah. I understand. But do you,\n\nChannel 0: market.\n\nChannel 1: I guess, have, at this point, like, better options than Benelon? Do you know do you know, like, if we were to transfer like, move away from Benelon if there are at least there's been, like, better performing\n\nChannel 0: Yeah.\n\nChannel 1: managed\n\nChannel 0: Yeah.\n\nChannel 1: funds,\n\nChannel 0: There's,\n\nChannel 1: so\n\nChannel 0: like,\n\nChannel 1: to speak.\n\nChannel 0: there's better performing managed funds within Australian, like, area that we can look at and put you in as an alternative. With that, obviously, you know, with the way the markets are as well, they are quite volatile in the sense that, you know, Trump's been around playing in the media, which has caused a lot of dips and things like that. You've got the wars,\n\nChannel 1: Yeah.\n\nChannel 0: like, in Ukraine that have caused, like, a a bit of market turbulence. So those are all things that it like, it's very hard for even, like, fund managers to predict.\n\nChannel 1: Yep. Yes,\n\nChannel 0: And\n\nChannel 1: sir.\n\nChannel 0: then, like yeah. In in the Australian equities market as well, everything's a little bit down with how the ASX is at the moment. But in in saying that there are definitely active alternatives to Benelon or, yeah, as I said, we can just look at more of a passive approach.\n\nChannel 1: Yeah. I think because before, I guess, coming into this joining, moving to Oakview, the idea was to have a certain component that's protected by, you know, like, be like, that's more conservative\n\nChannel 0: Yeah.\n\nChannel 1: in its approach, but then still have, like, that at least a portion that's a bit more\n\nChannel 0: Yep.\n\nChannel 1: aggressive that tries to grow the, you know, grow the money a bit more aggressively. I think that's always been the approach. So I think, yeah, we we could probably stick with that and just select a different fund if you you know, what you think would be the best this time around.\n\nChannel 0: Yep. No. No problem. I can make a recommendation of replacing that. If you're happy with the rest of your fund, you'd still aim to have probably around, like, the the 20% in, like, actively managed.\n\nAnd then\n\nChannel 1: Mhmm.\n\nChannel 0: as a whole, you'd be around, like, an eighty twenty split still where it's 80% growth assets. It whether that's, you know, the the active portion or just the the regular index version and then that 20% defensive there with between your, like, bank hybrids that you called that you currently hold there as well.\n\nChannel 1: Okay. Yeah. I mean, that\n\nChannel 0: Maybe.\n\nChannel 1: worked. I mean because, like, looking at it overall, it's it's I mean, it's I wouldn't say I mean, it's performed really well. You know? Like and, again, like, I guess my position coming in is is long term growth. So, like, the 10 did you mention 10% year on year?\n\nChannel 0: Yeah. After fees is\n\nChannel 1: Yeah.\n\nChannel 0: what it works out to be at the moment because\n\nChannel 1: Yeah.\n\nChannel 0: it was\n\nChannel 1: That's\n\nChannel 0: around\n\nChannel 1: actually pretty\n\nChannel 0: 30,\n\nChannel 1: good.\n\nChannel 0: yeah, 36%, like, as a a total return after a fees and cost there for, like, the adviser fees, investment fees, and the administration fees there as well. Yeah. So it works out to be around 10 percent annualized per annum even though it did take a little bit of a a backward step with\n\nChannel 1: Yep.\n\nChannel 0: the.\n\nChannel 1: So, yeah, like, honestly, I'm I'm happy with that performance. So, yeah, I guess we don't really need to take too much of, like, make drastic changes to the approach.\n\nChannel 0: Not a problem at all. And then in regards to everything else, are you largely happy with everything else, Susan? I know you currently hold your insurance separate. You kept that. When you came on board, I believe you were in between jobs and potentially starting\n\nChannel 1: Yeah.\n\nChannel 0: a new job there. Is that something you wanna review at this time? Are you currently happy with that Noble Oak policy that you still hold? Or\n\nChannel 1: I mean, I'm I'm happy if you guys could, like, could find a better I I mean, the with the level of coverage I'm getting from Noble Oak and for the premiums I pay, I'm still quite happy with them. But, of course, like, if there's something out there that's better, because that would save me money for the same coverage, like, I'd be more than happy to, yeah, look into it or consider it.\n\nChannel 0: Yep. Because with that, is your Noble Life policy underwritten? Like, did you go through, like, a health and sort of questionnaire when you took out that policy? Like, in\n\nChannel 1: Yes.\n\nChannel 0: the sense that yeah. And so like, because with that, we have, like, a bit of a pre assessment process. I can you booked in with one of the the staff here, and they'll go through a little bit more about your income, your job, like your\n\nChannel 1: Yeah.\n\nChannel 0: daily activities, your hobbies, a little bit about family history, and a little bit about your own medical history. It does set a little bit prying, but it's everything that, like, an insurer will ask when looking at rewriting a policy.\n\nChannel 1: Yeah.\n\nChannel 0: Because if you rewrite and sort of something's happened in the last year, so you've strained your neck and go into a chiropractor, that might end up being an exclusion where it\n\nChannel 1: Mhmm.\n\nChannel 0: might not currently be an exclusion on your current policy. I'm not sure. Do you know if you have any exclusions or loadings on your current policy?\n\nChannel 1: No. I don't have any.\n\nChannel 0: Yeah. So we can definitely have a look and see if we can find something comparable for your occupation, and then we just have to do that, like, health questionnaire to see if it would have any exclusions. Because if you're gonna end up with an exclusion, you just wanna retain your current policy, especially if you're happy\n\nChannel 1: Yes.\n\nChannel 0: with, you know, the amount you have and what it's covering. The only other insurer that you don't have or insurance is, like, trauma cover. Have you been told about trauma cover, like, had a brief discussion about it previously?\n\nChannel 1: Not really. Not really. And I I would think that Noble Oak might have it, but probably not. So yeah.\n\nChannel 0: Because what trauma insurance is is it's like a lump sum. And because you pay out of pocket anyway, it isn't, like, the only it's the only one that can be paid out of pocket. So other insurances can be paid out of superannuation, whereas trauma can't be. And it pays for things like significant trauma events, like getting diagnosed with certain cancers, heart attacks, strokes, those\n\nChannel 1: Oh,\n\nChannel 0: sort\n\nChannel 1: okay.\n\nChannel 0: of things.\n\nChannel 1: Yeah.\n\nChannel 0: And it generally covers for about a year of income as well. Is that something you'd wanna potentially look at and see what that looks like in terms of cost? Or\n\nChannel 1: Yeah. Sure. Sure. Fine.\n\nChannel 0: Yep. Not a problem at all. And then in regards to your hub 24 and, like, your current risk profile, have you, like, your version to risk hasn't really changed? Are you happy with how hub's traveling, like it's reporting? No.\n\nYou said you'd look at it a little bit. Have you had any issues with hub 24 itself?\n\nChannel 1: No. I've not had any issues with it. I mean, I I don't really go into the platform that often. I probably\n\nChannel 0: Yep.\n\nChannel 1: just look at it every once in a while just\n\nChannel 0: Yep.\n\nChannel 1: to see how, yep, you know, my super is tracking. But, yeah, I don't actively, I guess, use the platform. It's\n\nChannel 0: Yep.\n\nChannel 1: more log in, look at the current balance, and that's it. Yeah. But I did I did notice that sometimes there'd be, like, notices about fees coming up or or, like, going up and whatnot, but I don't really I I I guess what I'm trying to say is I know you guys are on top of that anyway. So\n\nChannel 0: Yeah. The\n\nChannel 1: yeah.\n\nChannel 0: the reason I ask is, like, his company four is still quite comparable in the market in terms of, like, product, like, that you get the services and the price that you pay. It's basically just if you weren't happy with it, we can review alternatives there as well. Like, there is no issue with Hub twenty four itself. But if you're happy with it, it just means you don't have to worry about changing. But if you weren't happy, I'd be happy to have a look around at something that married up sort of thing.\n\nBut then you gotta\n\nChannel 1: Yeah.\n\nChannel 0: worry about, like, those capital gains costs and things like that. That's fine. We can leave that alone.\n\nChannel 1: Yeah.\n\nChannel 0: And is there a time that would potentially suit you, Susie? Because I believe everyone's a little bit busy at the moment that I could get you scheduled even maybe just a little bit later today to be able to do a pre assessment to go through that quickly.\n\nChannel 1: I'll be very busy the rest of the day. Perhaps towards the end of the week be better, if that's\n\nChannel 0: Yeah. That's not a problem at all. Would sort of morning or afternoon better suit\n\nChannel 1: alright.\n\nChannel 0: you there?\n\nChannel 1: I think either Thursday or Friday from probably 4PM Sydney time onwards.\n\nChannel 0: Yep. So if I did I'm just having a quick look. If I did 3PM our time, 4PM your time on Thursday, the nineteenth, would that work for you?\n\nChannel 1: Yes. Yes. And no.\n\nChannel 0: Perfect. Thank you. I'll just chuck that one in there. And that must be my colleague reaching out. So they'll just go like, there's a little bit there based on your occupation and\n\nChannel 1: Mhmm.\n\nChannel 0: what you do as well.\n\nChannel 1: Yep.\n\nChannel 0: You know, I doubt with your role that you're doing too much manual handling and things like that, but they'll ask the the questions and then, you know, a few things, you know, if you've taken up downhill mountain biking, things like that, just a case level of risk.\n\nChannel 1: Yeah.\n\nChannel 0: From there,\n\nChannel 1: Okay.\n\nChannel 0: we basically just check with the insurers based on your occupation, family history, and health, how\n\nChannel 1: Yeah.\n\nChannel 0: they'd rate you. And if it comes with any exclusions, I might just give you a call and let you know that, like, if we look at another policy, you're gonna end up with an exclusion. So it's probably best to just retain you one that doesn't\n\nChannel 1: Yeah.\n\nChannel 0: have one, if that makes sense.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Not a problem at all. I'll get you booked in there, sir. But is there anything else that you wanted to have a chat about there while you've got me?\n\nChannel 1: At the moment, no. I'm actually just yep. Just just my I guess, the the main thing that I wanted to find out was, like, the year on year growth since inception. And, yeah, I'm I'm since you've provided me the numbers, I'm actually very okay with that. Yep.\n\nIt's just, you know, like, just being able to see where we're at, like, from time to time, just how how we're tracking. But like I said, I I didn't really want to worry too much about, like, you know, how my super is being invested. It's more\n\nChannel 0: Yep.\n\nChannel 1: like, yeah, leaving that\n\nChannel 0: How\n\nChannel 1: to\n\nChannel 0: it's actually tracking?\n\nChannel 1: you you guys.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So, unfortunately, we can't just go in and, like, make changes unless you're sort of in, like, an SMA sort of dynamic where they make the underlying changes much like a managed fund. So we do have to,\n\nChannel 1: Mhmm.\n\nChannel 0: like, obviously have the conversations when we do wanna change\n\nChannel 1: Yep.\n\nChannel 0: stuff,\n\nChannel 1: Yep.\n\nChannel 0: and Bandalong is one of the things that we do wanna look at getting getting rid of just based on their past performance and, you know, the the outlooks of their sort of fund.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Not a problem. But if you're happy with everything else, I'll get on to those few things. Once the pre assessment's completed, it might be really quick in terms of a phone call based on these sort of conditions that do pop up. Or otherwise, we'll just get through with the the advice process. If you get a call from me, basically, it'll just be an investment update, and\n\nChannel 1: Mhmm.\n\nChannel 0: the insurance\n\nChannel 1: Okay.\n\nChannel 0: will leave a loan. If the insurance come back that we can look at sort of doing that anyway, I might give you a quick call just to see if you wanna look at still paying out of pocket or look at paying through super things like that and just adding\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit more\n\nChannel 1: Okay.\n\nChannel 0: to super and those sort of ways of working things to be a little bit more cost effective for\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you. Perfect,\n\nChannel 1: This\n\nChannel 0: Cesar. Well, thanks for your time this month\n\nChannel 1: sounds\n\nChannel 0: or this afternoon, I should say. I'll let\n\nChannel 1: good.\n\nChannel 0: you get back to it, and we'll be talking soon.\n\nChannel 1: Alright. Thanks so much for your call. Appreciate it.\n\nChannel 0: No problem. Thanks, mate. Bye.\n\nChannel 1: Alright. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.28,"sentiment":"neutral","sentiment_score":0.02482542395591736},{"text":"Cesar speaking.","start":1.28,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.04566366411745548}],"sentiment":"neutral","sentiment_score":0.03871758406360944,"channel":1,"num_words":3,"start":0.79999995,"end":2.1799998},{"sentences":[{"text":"Good afternoon, Caesar.","start":2.96,"end":3.84,"sentiment":"positive","sentiment_score":0.40200626850128174},{"text":"It's Kyle calling from Financial.","start":3.84,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.23570820093154907},{"text":"How are you today?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.27788692712783813}],"sentiment":"neutral","sentiment_score":0.29134229322274524,"channel":0,"num_words":12,"start":2.96,"end":6.2599998},{"sentences":[{"text":"I'm good.","start":6.56,"end":7.04,"sentiment":"positive","sentiment_score":0.5335047841072083},{"text":"Thanks.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.5919479131698608},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"positive","sentiment_score":0.34056535363197327}],"sentiment":"positive","sentiment_score":0.44677559038003284,"channel":1,"num_words":6,"start":6.56,"end":8.1},{"sentences":[{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.21675457060337067},{"text":"Not too bad at all.","start":8.48,"end":9.12,"sentiment":"neutral","sentiment_score":0.29041247069835663},{"text":"Thanks for asking.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.6348061561584473},{"text":"I just scheduled in for a bit of a follow-up.","start":9.76,"end":11.36,"sentiment":"neutral","sentiment_score":0.28816747963428496},{"text":"Is now still a good time?","start":11.36,"end":12.66,"sentiment":"neutral","sentiment_score":0.19796039412419}],"sentiment":"neutral","sentiment_score":0.30570690214633944,"channel":0,"num_words":25,"start":8.16,"end":12.66},{"sentences":[{"text":"Yes.","start":12.88,"end":13.28,"sentiment":"neutral","sentiment_score":0.1701187938451767},{"text":"Yes.","start":13.28,"end":13.599999,"sentiment":"neutral","sentiment_score":0.2439488172531128},{"text":"It is.","start":13.599999,"end":14.055,"sentiment":"positive","sentiment_score":0.34548233449459076}],"sentiment":"neutral","sentiment_score":0.27625807002186775,"channel":1,"num_words":4,"start":12.88,"end":14.055},{"sentences":[{"text":"Perfect.","start":14.719999,"end":15.2,"sentiment":"positive","sentiment_score":0.6019212603569031},{"text":"If I could just you through security, just that name, date of birth, and current address, we can get stuck into that one today.","start":15.2,"end":19.995,"sentiment":"neutral","sentiment_score":0.3087167199701071}],"sentiment":"neutral","sentiment_score":0.3204449015855789,"channel":0,"num_words":25,"start":14.719999,"end":19.995},{"sentences":[{"text":"Sure thing.","start":20.375,"end":21.195,"sentiment":"neutral","sentiment_score":0.11309828609228134},{"text":"Name is Cesar Bendoy.","start":21.495,"end":22.875,"sentiment":"neutral","sentiment_score":0.05691917520016432},{"text":"Date of birth is 04/14/1981.","start":23.095001,"end":26.775,"sentiment":"neutral","sentiment_score":0.040274514257907866},{"text":"And sorry.","start":26.775,"end":27.415,"sentiment":"neutral","sentiment_score":0.0065325291361659765},{"text":"What was the last","start":27.415,"end":28.475,"sentiment":"neutral","sentiment_score":-0.00302305375225842}],"sentiment":"neutral","sentiment_score":0.038601099266944564,"channel":1,"num_words":17,"start":20.375,"end":28.475},{"sentences":[{"text":"Just your current","start":28.855,"end":29.494999,"sentiment":"neutral","sentiment_score":-0.004334606230258942}],"sentiment":"neutral","sentiment_score":-0.004334606230258942,"channel":0,"num_words":3,"start":28.855,"end":29.494999},{"sentences":[{"text":"info?","start":29.359999,"end":29.859999,"sentiment":"neutral","sentiment_score":0.006804776843637228}],"sentiment":"neutral","sentiment_score":0.006804776843637228,"channel":1,"num_words":1,"start":29.359999,"end":29.859999},{"sentences":[{"text":"address.","start":29.494999,"end":29.735,"sentiment":"neutral","sentiment_score":0.013488364405930042},{"text":"Thanks, Caesar.","start":29.735,"end":30.64,"sentiment":"neutral","sentiment_score":0.12526290118694305}],"sentiment":"neutral","sentiment_score":0.08800472225993872,"channel":0,"num_words":3,"start":29.494999,"end":30.64},{"sentences":[{"text":"Oh, address, Unit 321155 To 1159 Pacific Highway, Pimbles, New South Wales.","start":30.4,"end":37.78,"sentiment":"neutral","sentiment_score":0.06430594902485609}],"sentiment":"neutral","sentiment_score":0.06430594902485609,"channel":1,"num_words":12,"start":30.4,"end":37.78},{"sentences":[{"text":"Perfect.","start":38.379997,"end":38.78,"sentiment":"positive","sentiment_score":0.5835549831390381},{"text":"Thank you for that one.","start":38.78,"end":40.0,"sentiment":"positive","sentiment_score":0.702301824092865},{"text":"Now I know it was just in regards to your portfolio and how that was tracking in addition to the the bed along fund within that.","start":40.379997,"end":48.095,"sentiment":"neutral","sentiment_score":0.1735758732717771},{"text":"Did you sort of have any questions before I jump into that at all there, Susan?","start":48.095,"end":51.795002,"sentiment":"neutral","sentiment_score":0.04153435002081096}],"sentiment":"neutral","sentiment_score":0.1931788835208863,"channel":0,"num_words":48,"start":38.379997,"end":51.795002},{"sentences":[{"text":"It's more, I guess, just just try to understand how it's been performing and, like, how we've done since I joined OB Financial and how we're tracking in in terms of, I guess, just general growth and just looking at, I guess, you know, like, if there are more ways we could we could, look into to, I guess, you know, like, do we change strategy or do we just retain the current, I guess, appetite for investing?","start":52.965,"end":85.09,"sentiment":"neutral","sentiment_score":0.07744120672727242},{"text":"Stuff like that.","start":85.31,"end":86.03,"sentiment":"neutral","sentiment_score":0.0444126750032107},{"text":"Just, you know, just have a general understanding of how the fund's doing, so to speak.","start":86.03,"end":90.53,"sentiment":"neutral","sentiment_score":0.11710825585760176}],"sentiment":"neutral","sentiment_score":0.08296272415936608,"channel":1,"num_words":97,"start":52.965,"end":90.53},{"sentences":[{"text":"Perfect.","start":90.270004,"end":90.75,"sentiment":"positive","sentiment_score":0.3767017126083374},{"text":"Yeah.","start":90.75,"end":91.07,"sentiment":"neutral","sentiment_score":0.2608296275138855},{"text":"Not a problem at all.","start":91.07,"end":92.37,"sentiment":"positive","sentiment_score":0.3570727467536926},{"text":"So I can let you know, like, since inception, since you came on board with Oakview, your funds been performing quite well.","start":92.51,"end":97.715004,"sentiment":"positive","sentiment_score":0.4448536837642843},{"text":"Like, it's since inception after fees, it's done 36.21%, which works out to be 9.98 after fees per","start":98.335,"end":107.375,"sentiment":"neutral","sentiment_score":0.2911780509683821}],"sentiment":"positive","sentiment_score":0.37129534115182594,"channel":0,"num_words":47,"start":90.270004,"end":107.375},{"sentences":[{"text":"Mhmm.","start":107.195,"end":107.695,"sentiment":"neutral","sentiment_score":0.13275949656963348}],"sentiment":"neutral","sentiment_score":0.13275949656963348,"channel":1,"num_words":1,"start":107.195,"end":107.695},{"sentences":[{"text":"annum.","start":107.375,"end":107.775,"sentiment":"neutral","sentiment_score":0.1085759624838829},{"text":"So 10% per annum, basically.","start":107.775,"end":109.635,"sentiment":"neutral","sentiment_score":0.2922825276851654},{"text":"After fees cost for growth portfolio, it's quite good still.","start":110.335,"end":114.43,"sentiment":"positive","sentiment_score":0.3405254304409027},{"text":"I'm sure you'd agree if you kept getting 10% on average for, like, an 80% growth, 20% defensive split, it's quite nice if you can keep that up.","start":114.49,"end":121.950005,"sentiment":"positive","sentiment_score":0.5184677136795861}],"sentiment":"positive","sentiment_score":0.44300770200788975,"channel":0,"num_words":44,"start":107.375,"end":121.950005},{"sentences":[{"text":"Yep.","start":122.185,"end":122.685,"sentiment":"neutral","sentiment_score":0.05942549929022789}],"sentiment":"neutral","sentiment_score":0.05942549929022789,"channel":1,"num_words":1,"start":122.185,"end":122.685},{"sentences":[{"text":"The reason it stalled a little bit there in the last year so I think your average for the last year was around 5.71 is","start":122.41,"end":129.35501,"sentiment":"neutral","sentiment_score":-0.25135521203279493}],"sentiment":"neutral","sentiment_score":-0.25135521203279493,"channel":0,"num_words":25,"start":122.41,"end":129.35501},{"sentences":[{"text":"Mhmm.","start":129.30501,"end":129.80501,"sentiment":"neutral","sentiment_score":-0.0947343409061432}],"sentiment":"neutral","sentiment_score":-0.0947343409061432,"channel":1,"num_words":1,"start":129.30501,"end":129.80501},{"sentences":[{"text":"due to the active managed portion of Benelon.","start":129.35501,"end":132.575,"sentiment":"neutral","sentiment_score":-0.10511728283017874},{"text":"So you do have two actively managed funds in there.","start":132.63501,"end":135.215,"sentiment":"neutral","sentiment_score":0.029878241941332817},{"text":"Now within that that fund there, it as a whole, for the past five years, it hasn't performed too crash hot.","start":135.435,"end":143.35999,"sentiment":"neutral","sentiment_score":-0.21737414172717504},{"text":"I must admit for a managed fund, you expect them to be outperforming the market where it's been doing around the sort of six to 7% maybe before any sort","start":143.65999,"end":152.53499,"sentiment":"neutral","sentiment_score":-0.05014806824425856}],"sentiment":"neutral","sentiment_score":-0.09581818647574687,"channel":0,"num_words":69,"start":129.35501,"end":152.53499},{"sentences":[{"text":"Mhmm.","start":152.42499,"end":152.92499,"sentiment":"neutral","sentiment_score":-0.0674431324005127}],"sentiment":"neutral","sentiment_score":-0.0674431324005127,"channel":1,"num_words":1,"start":152.42499,"end":152.92499},{"sentences":[{"text":"of fees and costs.","start":152.53499,"end":153.75499,"sentiment":"neutral","sentiment_score":-0.14030641317367554},{"text":"And then with the end of last year, I'm not too sure if you heard, there was a trading suspend on one of their underlying investments, and that was Corporate Troubler.","start":154.055,"end":162.31499,"sentiment":"neutral","sentiment_score":-0.21290757819529502},{"text":"And that was due to the company itself, not Ben Long, but the company they hold not reporting correctly, and they got done from the dodgy accounting practices, which, pardon me, which caused Ben Long to have to reevaluate that share price and then","start":162.53499,"end":178.40999,"sentiment":"negative","sentiment_score":-0.397740093821829}],"sentiment":"neutral","sentiment_score":-0.3121762620874598,"channel":0,"num_words":79,"start":152.53499,"end":178.40999},{"sentences":[{"text":"Yep.","start":178.27,"end":178.77,"sentiment":"neutral","sentiment_score":-0.20215193927288055}],"sentiment":"neutral","sentiment_score":-0.20215193927288055,"channel":1,"num_words":1,"start":178.27,"end":178.77},{"sentences":[{"text":"also a loss of, like, consumer confidence in that fund, which caused quite a backwards, downwards, event there towards the end of last year.","start":178.935,"end":188.295,"sentiment":"negative","sentiment_score":-0.5368270563582579},{"text":"And then","start":188.295,"end":188.855,"sentiment":"neutral","sentiment_score":-0.17604821920394897}],"sentiment":"negative","sentiment_score":-0.5090748381156188,"channel":0,"num_words":26,"start":178.935,"end":188.855},{"sentences":[{"text":"Mhmm.","start":188.605,"end":189.105,"sentiment":"neutral","sentiment_score":-0.13080281019210815}],"sentiment":"neutral","sentiment_score":-0.13080281019210815,"channel":1,"num_words":1,"start":188.605,"end":189.105},{"sentences":[{"text":"since then, they've come back a little bit.","start":188.855,"end":190.855,"sentiment":"neutral","sentiment_score":-0.29553854651749134},{"text":"They haven't come back a whole heap.","start":191.175,"end":192.75,"sentiment":"negative","sentiment_score":-0.3570838102272579},{"text":"As a company, they have sort of as we come across, like, investment reviews and, like, the annual reviews and things like that, we are reviewing the Benelung portion.","start":192.99,"end":202.03,"sentiment":"neutral","sentiment_score":-0.13934402399022003},{"text":"So the options there are even though you've hit the loss, we normally say, like, you know, don't sell low, buy high.","start":202.03,"end":208.05,"sentiment":"neutral","sentiment_score":-0.2209444943476807},{"text":"But in this current circumstances, just with the conviction there, the investment, McKinney wants to start moving away from Benelung, not just because of their past performance, but just due to that event there as well, they do wanna start moving away from it.","start":208.625,"end":221.445,"sentiment":"negative","sentiment_score":-0.38054119727828284}],"sentiment":"neutral","sentiment_score":-0.2773587572303685,"channel":0,"num_words":110,"start":188.855,"end":221.445},{"sentences":[{"text":"Okay.","start":221.63501,"end":222.13501,"sentiment":"neutral","sentiment_score":-0.0929005965590477}],"sentiment":"neutral","sentiment_score":-0.0929005965590477,"channel":1,"num_words":1,"start":221.63501,"end":222.13501},{"sentences":[{"text":"So the options for that as we can just look at removing specifically the benelong and replacing it with either an actively managed portion or a more indexed approach, so one that can either try it out on the market for a bit higher cost, much like benolon.","start":221.745,"end":234.45999,"sentiment":"neutral","sentiment_score":-0.06257775123231113},{"text":"But you can see how that can have a negative correlation as well that if they don't get it right, it can go backwards.","start":234.76,"end":240.245,"sentiment":"negative","sentiment_score":-0.6312780268490314},{"text":"And then you have oh, yeah.","start":241.025,"end":242.545,"sentiment":"neutral","sentiment_score":-0.211884044110775},{"text":"Sorry.","start":242.545,"end":243.045,"sentiment":"neutral","sentiment_score":-0.1821499466896057}],"sentiment":"neutral","sentiment_score":-0.2482007457579993,"channel":0,"num_words":79,"start":221.745,"end":243.045},{"sentences":[{"text":"Yep.","start":242.965,"end":243.28499,"sentiment":"neutral","sentiment_score":-0.0687314122915268},{"text":"Yeah.","start":243.28499,"end":243.685,"sentiment":"neutral","sentiment_score":-0.049915023148059845},{"text":"I do just have a question and just wanna take a step back.","start":243.685,"end":248.245,"sentiment":"neutral","sentiment_score":-0.026895813214091156},{"text":"I'll can you just help me understand what the Bennelong component is?","start":248.245,"end":252.08499,"sentiment":"neutral","sentiment_score":0.02483052775884668},{"text":"Is Bennelong like a fund manager?","start":252.08499,"end":254.33,"sentiment":"neutral","sentiment_score":0.0014522999214629326}],"sentiment":"neutral","sentiment_score":-0.0048973295329646635,"channel":1,"num_words":33,"start":242.965,"end":254.33},{"sentences":[{"text":"Yes.","start":254.8,"end":255.2,"sentiment":"neutral","sentiment_score":0.05123257637023926},{"text":"Yes.","start":255.2,"end":255.36,"sentiment":"neutral","sentiment_score":0.07374592870473862},{"text":"So it's an actively managed fund.","start":255.36,"end":257.46,"sentiment":"neutral","sentiment_score":0.1311900019645691},{"text":"So when I talk about an indexed investment, it encapsulations like a broad industry, so or an area, like a geographical area.","start":257.52,"end":265.73502,"sentiment":"neutral","sentiment_score":0.07317789406938986},{"text":"So when I say that the S and P 500 in its index","start":265.73502,"end":268.635,"sentiment":"neutral","sentiment_score":0.03758917978176704}],"sentiment":"neutral","sentiment_score":0.0700160819430684,"channel":0,"num_words":43,"start":254.8,"end":268.635},{"sentences":[{"text":"Mhmm.","start":268.47,"end":268.72,"sentiment":"neutral","sentiment_score":0.03555295616388321},{"text":"Yep.","start":268.72,"end":268.995,"sentiment":"neutral","sentiment_score":0.060697030276060104}],"sentiment":"neutral","sentiment_score":0.04812499321997166,"channel":1,"num_words":2,"start":268.47,"end":268.995},{"sentences":[{"text":"for the","start":268.935,"end":269.33502,"sentiment":"neutral","sentiment_score":0.038658907637000084}],"sentiment":"neutral","sentiment_score":0.038658907637000084,"channel":0,"num_words":2,"start":268.935,"end":269.33502},{"sentences":[{"text":"Yeah.","start":269.235,"end":269.735,"sentiment":"neutral","sentiment_score":0.06772676855325699}],"sentiment":"neutral","sentiment_score":0.06772676855325699,"channel":1,"num_words":1,"start":269.235,"end":269.735},{"sentences":[{"text":"top 500 companies in America, now it's somewhat dynamic in the sense that if a company falls out of that top 500, you no longer hold that.","start":269.33502,"end":276.855,"sentiment":"neutral","sentiment_score":-0.021219791499552904},{"text":"If a company grows to a size where it's in that top 500, then you do hold that.","start":276.855,"end":281.41,"sentiment":"neutral","sentiment_score":0.11964141846530968},{"text":"And then","start":281.79,"end":282.19,"sentiment":"neutral","sentiment_score":0.06062103062868118}],"sentiment":"neutral","sentiment_score":0.03620964304563847,"channel":0,"num_words":47,"start":269.33502,"end":282.19},{"sentences":[{"text":"Mhmm.","start":281.955,"end":282.455,"sentiment":"neutral","sentiment_score":0.06345024704933167}],"sentiment":"neutral","sentiment_score":0.06345024704933167,"channel":1,"num_words":1,"start":281.955,"end":282.455},{"sentences":[{"text":"it just shows that as the market trends, that's the way it follows because it's based on pure company size and what's happening in the world.","start":282.19,"end":290.75,"sentiment":"neutral","sentiment_score":0.058385000635798164},{"text":"Whereas a fund manager like Ben Long aims to, you know, based on their data analytics, there's a few ways people do it, whether it's performance driven or value driven","start":290.75,"end":300.085,"sentiment":"neutral","sentiment_score":0.09965596062441667}],"sentiment":"neutral","sentiment_score":0.08049444348684379,"channel":0,"num_words":56,"start":282.19,"end":300.085},{"sentences":[{"text":"Yes.","start":299.995,"end":300.495,"sentiment":"neutral","sentiment_score":0.12204129248857498}],"sentiment":"neutral","sentiment_score":0.12204129248857498,"channel":1,"num_words":1,"start":299.995,"end":300.495},{"sentences":[{"text":"in their analytics.","start":301.105,"end":302.005,"sentiment":"neutral","sentiment_score":0.11548463255167007},{"text":"And then they try and find the gaps in the market to get additional growth and try and beat those indexes.","start":302.945,"end":308.805,"sentiment":"neutral","sentiment_score":0.09864066789547603},{"text":"So not just tracking what the market themselves are doing, but trying to outperform them, if that 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hold?","start":865.89496,"end":869.33496,"sentiment":"neutral","sentiment_score":0.1027032443537162},{"text":"Or","start":869.33496,"end":869.58,"sentiment":"neutral","sentiment_score":0.19594451785087583}],"sentiment":"neutral","sentiment_score":0.06141317208056097,"channel":0,"num_words":27,"start":863.095,"end":869.58},{"sentences":[{"text":"I mean, I'm I'm happy if you guys could, like, could find a better I I mean, the with the level of coverage I'm getting from Noble Oak and for the premiums I pay, I'm still quite happy with them.","start":870.805,"end":887.33997,"sentiment":"positive","sentiment_score":0.5113427130505442},{"text":"But, of course, like, if there's something out there that's better, because that would save me money for the same coverage, like, I'd be more than happy to, yeah, look into it or consider 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in","start":907.51996,"end":908.0,"sentiment":"neutral","sentiment_score":0.013631280045956371}],"sentiment":"neutral","sentiment_score":0.046664243750274184,"channel":0,"num_words":30,"start":899.71497,"end":908.0},{"sentences":[{"text":"Yes.","start":907.95996,"end":908.45996,"sentiment":"neutral","sentiment_score":0.05681955814361572}],"sentiment":"neutral","sentiment_score":0.05681955814361572,"channel":1,"num_words":1,"start":907.95996,"end":908.45996},{"sentences":[{"text":"the sense that yeah.","start":908.0,"end":909.27997,"sentiment":"neutral","sentiment_score":0.048295993357896805},{"text":"And so like, because with that, we have, like, a bit of a pre assessment process.","start":909.27997,"end":913.19995,"sentiment":"neutral","sentiment_score":0.10264542885124683},{"text":"I can you booked in with one of the the staff here, and they'll go through a little bit more about your income, your job, like 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risk.","start":1190.695,"end":1201.69,"sentiment":"neutral","sentiment_score":-0.08890037865815115}],"sentiment":"neutral","sentiment_score":-0.08890037865815115,"channel":0,"num_words":49,"start":1190.695,"end":1201.69},{"sentences":[{"text":"Yeah.","start":1201.465,"end":1201.965,"sentiment":"neutral","sentiment_score":0.0061690546572208405}],"sentiment":"neutral","sentiment_score":0.0061690546572208405,"channel":1,"num_words":1,"start":1201.465,"end":1201.965},{"sentences":[{"text":"From there,","start":1201.69,"end":1202.1699,"sentiment":"neutral","sentiment_score":-0.012850984930992126}],"sentiment":"neutral","sentiment_score":-0.012850984930992126,"channel":0,"num_words":2,"start":1201.69,"end":1202.1699},{"sentences":[{"text":"Okay.","start":1202.105,"end":1202.605,"sentiment":"neutral","sentiment_score":-0.026837393641471863}],"sentiment":"neutral","sentiment_score":-0.026837393641471863,"channel":1,"num_words":1,"start":1202.105,"end":1202.605},{"sentences":[{"text":"we basically just check with the insurers based on your occupation, family history, and health, how","start":1202.1699,"end":1208.49,"sentiment":"neutral","sentiment_score":0.02136856154538691}],"sentiment":"neutral","sentiment_score":0.02136856154538691,"channel":0,"num_words":16,"start":1202.1699,"end":1208.49},{"sentences":[{"text":"Yeah.","start":1208.4299,"end":1208.9299,"sentiment":"neutral","sentiment_score":0.046890247613191605}],"sentiment":"neutral","sentiment_score":0.046890247613191605,"channel":1,"num_words":1,"start":1208.4299,"end":1208.9299},{"sentences":[{"text":"they'd rate you.","start":1208.49,"end":1209.0499,"sentiment":"neutral","sentiment_score":0.07717060794432958},{"text":"And if it comes with any exclusions, I might just give you a call and let you know that, like, if we look at another policy, you're gonna end up with an exclusion.","start":1209.0499,"end":1215.315,"sentiment":"neutral","sentiment_score":-0.14075481790033254},{"text":"So it's probably best to just retain you one that doesn't","start":1215.315,"end":1218.0349,"sentiment":"neutral","sentiment_score":-0.15106523646549744}],"sentiment":"neutral","sentiment_score":-0.12925776102124376,"channel":0,"num_words":47,"start":1208.49,"end":1218.0349},{"sentences":[{"text":"Yeah.","start":1217.87,"end":1218.37,"sentiment":"neutral","sentiment_score":-0.05758748948574066}],"sentiment":"neutral","sentiment_score":-0.05758748948574066,"channel":1,"num_words":1,"start":1217.87,"end":1218.37},{"sentences":[{"text":"have one, if that makes 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me?","start":1223.315,"end":1227.0149,"sentiment":"neutral","sentiment_score":0.23190613753265804}],"sentiment":"positive","sentiment_score":0.3343687683343887,"channel":0,"num_words":30,"start":1221.475,"end":1227.0149},{"sentences":[{"text":"At the moment, no.","start":1229.255,"end":1230.775,"sentiment":"neutral","sentiment_score":0.05530934035778046},{"text":"I'm actually just yep.","start":1230.775,"end":1232.875,"sentiment":"neutral","sentiment_score":-0.016790905268862844},{"text":"Just just my I guess, the the main thing that I wanted to find out was, like, the year on year growth since inception.","start":1233.175,"end":1241.92,"sentiment":"neutral","sentiment_score":0.22672255958120027},{"text":"And, yeah, I'm I'm since you've provided me the numbers, I'm actually very okay with that.","start":1242.54,"end":1248.105,"sentiment":"positive","sentiment_score":0.4455592669546604},{"text":"Yep.","start":1248.245,"end":1248.745,"sentiment":"positive","sentiment_score":0.3475371301174164}],"sentiment":"neutral","sentiment_score":0.2667734810550298,"channel":1,"num_words":49,"start":1229.255,"end":1248.745},{"sentences":[{"text":"It's just, you know, like, just being able to see where we're at, like, from time to time, just how how we're tracking.","start":1249.125,"end":1256.325,"sentiment":"neutral","sentiment_score":0.2438114486310793},{"text":"But like I said, I I didn't really want to worry too much about, like, you know, how my super is being invested.","start":1256.325,"end":1262.36,"sentiment":"neutral","sentiment_score":0.020080525913964146},{"text":"It's more","start":1262.66,"end":1263.4,"sentiment":"neutral","sentiment_score":0.06345657259225845}],"sentiment":"neutral","sentiment_score":0.1290922616608441,"channel":1,"num_words":48,"start":1249.125,"end":1263.4},{"sentences":[{"text":"Yep.","start":1263.1201,"end":1263.6201,"sentiment":"neutral","sentiment_score":0.06799579411745071}],"sentiment":"neutral","sentiment_score":0.06799579411745071,"channel":0,"num_words":1,"start":1263.1201,"end":1263.6201},{"sentences":[{"text":"like, yeah, leaving that","start":1263.86,"end":1265.06,"sentiment":"neutral","sentiment_score":0.057335744611918926}],"sentiment":"neutral","sentiment_score":0.057335744611918926,"channel":1,"num_words":4,"start":1263.86,"end":1265.06},{"sentences":[{"text":"How","start":1265.04,"end":1265.2001,"sentiment":"neutral","sentiment_score":0.06329560279846191}],"sentiment":"neutral","sentiment_score":0.06329560279846191,"channel":0,"num_words":1,"start":1265.04,"end":1265.2001},{"sentences":[{"text":"to","start":1265.06,"end":1265.56,"sentiment":"neutral","sentiment_score":0.049792706966400146}],"sentiment":"neutral","sentiment_score":0.049792706966400146,"channel":1,"num_words":1,"start":1265.06,"end":1265.56},{"sentences":[{"text":"it's actually tracking?","start":1265.2001,"end":1266.315,"sentiment":"neutral","sentiment_score":0.060710348188877106}],"sentiment":"neutral","sentiment_score":0.060710348188877106,"channel":0,"num_words":3,"start":1265.2001,"end":1266.315},{"sentences":[{"text":"you you 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like a managed fund.","start":1267.7549,"end":1276.7949,"sentiment":"neutral","sentiment_score":-0.2270642306768533},{"text":"So we do have to,","start":1276.7949,"end":1277.4349,"sentiment":"neutral","sentiment_score":-0.13752784132957457}],"sentiment":"neutral","sentiment_score":-0.20911571650932997,"channel":0,"num_words":39,"start":1267.355,"end":1277.4349},{"sentences":[{"text":"Mhmm.","start":1277.4349,"end":1277.9349,"sentiment":"neutral","sentiment_score":-0.07381563633680344}],"sentiment":"neutral","sentiment_score":-0.07381563633680344,"channel":1,"num_words":1,"start":1277.4349,"end":1277.9349},{"sentences":[{"text":"like, obviously have the conversations when we do wanna 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is one of the things that we do wanna look at getting getting rid of just based on their past performance and, you know, the the outlooks of their sort of fund.","start":1280.4401,"end":1288.78,"sentiment":"neutral","sentiment_score":-0.04804141868782394}],"sentiment":"neutral","sentiment_score":-0.04804141868782394,"channel":0,"num_words":34,"start":1280.4401,"end":1288.78},{"sentences":[{"text":"Okay.","start":1289.2201,"end":1289.7201,"sentiment":"neutral","sentiment_score":0.09243911504745483},{"text":"No worries.","start":1289.9401,"end":1290.6001,"sentiment":"neutral","sentiment_score":0.1326066516339779}],"sentiment":"neutral","sentiment_score":0.11921747277180354,"channel":1,"num_words":3,"start":1289.2201,"end":1290.6001},{"sentences":[{"text":"Not a problem.","start":1291.0801,"end":1291.9,"sentiment":"neutral","sentiment_score":0.30566073457400006},{"text":"But if you're happy with everything else, I'll get on to those few things.","start":1292.12,"end":1295.415,"sentiment":"neutral","sentiment_score":0.29404537938535213},{"text":"Once the pre assessment's completed, it might be really quick in terms of a phone call based on these sort of conditions that do pop up.","start":1295.8151,"end":1303.435,"sentiment":"neutral","sentiment_score":0.07461307269449417},{"text":"Or otherwise, we'll just get through with the the advice process.","start":1303.895,"end":1307.9901,"sentiment":"neutral","sentiment_score":0.10588135265491226},{"text":"If you get a call from me, basically, it'll just be an investment update, and","start":1307.9901,"end":1311.03,"sentiment":"neutral","sentiment_score":0.057671941940983136}],"sentiment":"neutral","sentiment_score":0.1304830639636603,"channel":0,"num_words":69,"start":1291.0801,"end":1311.03},{"sentences":[{"text":"Mhmm.","start":1311.025,"end":1311.265,"sentiment":"neutral","sentiment_score":0.012755553238093851}],"sentiment":"neutral","sentiment_score":0.012755553238093851,"channel":1,"num_words":1,"start":1311.025,"end":1311.265},{"sentences":[{"text":"the insurance","start":1311.03,"end":1311.5901,"sentiment":"neutral","sentiment_score":0.009688947349786758}],"sentiment":"neutral","sentiment_score":0.009688947349786758,"channel":0,"num_words":2,"start":1311.03,"end":1311.5901},{"sentences":[{"text":"Okay.","start":1311.265,"end":1311.765,"sentiment":"neutral","sentiment_score":0.010549351572990416}],"sentiment":"neutral","sentiment_score":0.010549351572990416,"channel":1,"num_words":1,"start":1311.265,"end":1311.765},{"sentences":[{"text":"will leave a loan.","start":1311.5901,"end":1312.31,"sentiment":"neutral","sentiment_score":0.0066182902082800865},{"text":"If the insurance come back that we can look at sort of doing that anyway, I might give you a quick call just to see if you wanna look at still paying out of pocket or look at paying through super things like that and just adding","start":1312.31,"end":1322.115,"sentiment":"neutral","sentiment_score":0.010919454725498849}],"sentiment":"neutral","sentiment_score":0.01058210848885424,"channel":0,"num_words":51,"start":1311.5901,"end":1322.115},{"sentences":[{"text":"Mhmm.","start":1321.92,"end":1322.42,"sentiment":"neutral","sentiment_score":0.006579906679689884}],"sentiment":"neutral","sentiment_score":0.006579906679689884,"channel":1,"num_words":1,"start":1321.92,"end":1322.42},{"sentences":[{"text":"a little bit more","start":1322.115,"end":1323.015,"sentiment":"neutral","sentiment_score":0.02177446149289608}],"sentiment":"neutral","sentiment_score":0.02177446149289608,"channel":0,"num_words":4,"start":1322.115,"end":1323.015},{"sentences":[{"text":"Okay.","start":1322.56,"end":1323.06,"sentiment":"neutral","sentiment_score":0.03566005825996399}],"sentiment":"neutral","sentiment_score":0.03566005825996399,"channel":1,"num_words":1,"start":1322.56,"end":1323.06},{"sentences":[{"text":"to super and those sort of ways of working things to be a little bit more cost effective for","start":1323.2351,"end":1327.5751,"sentiment":"neutral","sentiment_score":0.13064155982513176}],"sentiment":"neutral","sentiment_score":0.13064155982513176,"channel":0,"num_words":19,"start":1323.2351,"end":1327.5751},{"sentences":[{"text":"Yeah.","start":1328.305,"end":1328.545,"sentiment":"neutral","sentiment_score":0.11635522544384004},{"text":"Yeah.","start":1328.545,"end":1329.045,"sentiment":"neutral","sentiment_score":0.24473026394844055}],"sentiment":"neutral","sentiment_score":0.1805427446961403,"channel":1,"num_words":2,"start":1328.305,"end":1329.045},{"sentences":[{"text":"you.","start":1330.3551,"end":1330.435,"sentiment":"positive","sentiment_score":0.37501412630081177},{"text":"Perfect,","start":1330.435,"end":1330.915,"sentiment":"positive","sentiment_score":0.6966742277145386}],"sentiment":"positive","sentiment_score":0.5358441770076752,"channel":0,"num_words":2,"start":1330.3551,"end":1330.915},{"sentences":[{"text":"This","start":1330.5851,"end":1331.0851,"sentiment":"positive","sentiment_score":0.7158733606338501}],"sentiment":"positive","sentiment_score":0.7158733606338501,"channel":1,"num_words":1,"start":1330.5851,"end":1331.0851},{"sentences":[{"text":"Cesar.","start":1330.915,"end":1331.3151,"sentiment":"positive","sentiment_score":0.6409148573875427},{"text":"Well, thanks for your time this month","start":1331.3151,"end":1332.675,"sentiment":"positive","sentiment_score":0.7013570155416217}],"sentiment":"positive","sentiment_score":0.6938017457723618,"channel":0,"num_words":8,"start":1330.915,"end":1332.675},{"sentences":[{"text":"sounds","start":1332.625,"end":1333.125,"sentiment":"positive","sentiment_score":0.7309561967849731}],"sentiment":"positive","sentiment_score":0.7309561967849731,"channel":1,"num_words":1,"start":1332.625,"end":1333.125},{"sentences":[{"text":"or this afternoon, I should say.","start":1332.675,"end":1334.073,"sentiment":"positive","sentiment_score":0.6077371835708618},{"text":"I'll let","start":1334.393,"end":1334.713,"sentiment":"positive","sentiment_score":0.529354453086853}],"sentiment":"positive","sentiment_score":0.5881415009498596,"channel":0,"num_words":8,"start":1332.675,"end":1334.713},{"sentences":[{"text":"good.","start":1334.665,"end":1335.165,"sentiment":"positive","sentiment_score":0.4322832524776459}],"sentiment":"positive","sentiment_score":0.4322832524776459,"channel":1,"num_words":1,"start":1334.665,"end":1335.165},{"sentences":[{"text":"you get back to it, and we'll be talking soon.","start":1334.713,"end":1336.733,"sentiment":"positive","sentiment_score":0.521317657828331}],"sentiment":"positive","sentiment_score":0.521317657828331,"channel":0,"num_words":10,"start":1334.713,"end":1336.733},{"sentences":[{"text":"Alright.","start":1336.7051,"end":1337.1051,"sentiment":"positive","sentiment_score":0.6189150810241699},{"text":"Thanks so much for your call.","start":1337.1051,"end":1338.385,"sentiment":"positive","sentiment_score":0.8432518243789673},{"text":"Appreciate it.","start":1338.385,"end":1339.285,"sentiment":"positive","sentiment_score":0.799110472202301}],"sentiment":"positive","sentiment_score":0.8085163301891751,"channel":1,"num_words":9,"start":1336.7051,"end":1339.285},{"sentences":[{"text":"No problem.","start":1339.433,"end":1339.993,"sentiment":"positive","sentiment_score":0.6093209683895111},{"text":"Thanks, mate.","start":1339.993,"end":1340.473,"sentiment":"positive","sentiment_score":0.6989837884902954},{"text":"Bye.","start":1340.473,"end":1340.973,"sentiment":"positive","sentiment_score":0.5170029401779175}],"sentiment":"positive","sentiment_score":0.6267224907875061,"channel":0,"num_words":5,"start":1339.433,"end":1340.973},{"sentences":[{"text":"Alright.","start":1340.8651,"end":1341.265,"sentiment":"positive","sentiment_score":0.40068650245666504},{"text":"Cheers.","start":1341.265,"end":1341.7451,"sentiment":"positive","sentiment_score":0.6408740282058716},{"text":"Bye.","start":1341.7451,"end":1342.2451,"sentiment":"neutral","sentiment_score":-0.1056647002696991}],"sentiment":"neutral","sentiment_score":0.3119652767976125,"channel":1,"num_words":3,"start":1340.8651,"end":1342.2451}]},"summary":{"result":"success","short":"Kyle from Financial discusses the performance of their portfolio and the possibility of outsourcing services for the portfolio. They emphasize the importance of investing in Benelux and repositioning the portfolio for long-term growth. The speaker recommends reducing risk tolerance and a lower cost investment for sustained growth, and suggests reviewing the entire portfolio and updating it to offset gains or capital gains for other investments. They also discuss options for replacing the Benelux with an Australian equities option and recommend replacing the current portfolio with a new one. The agent schedules a pre assessment process for the customer and discusses the year on year growth and risk profile. The speaker will call the customer if they need to make changes and will call them back if they need to."},"intents":{"segments":[{"text":"Thank you for that one. Now I know it was just in regards to your portfolio and how that was tracking in addition to the the bed along fund within that.","start_word":112,"end_word":142,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.0037960885}]},{"text":"As a company, they have sort of as we come across, like, investment reviews and, like, the annual reviews and things like that, we are reviewing the Benelung portion.","start_word":567,"end_word":595,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.02255898}]},{"text":"So the options for that as we can just look at removing specifically the benelong and replacing it with either an actively managed portion or a more indexed approach, so one that can either try it out on the market for a bit higher cost, much like benolon.","start_word":664,"end_word":711,"intents":[{"intent":"Analyze benelong options","confidence_score":0.06327477}]},{"text":"Or the option there is given that it has taken a little bit of a loss, we can look at reviewing the entire portfolio, doing a few updates in regards to portfolio as a whole and use some of those losses to offset some CGT or capital gains for some of the other investments.","start_word":1313,"end_word":1366,"intents":[{"intent":"Analyze portfolio updates","confidence_score":0.06880116}]},{"text":"But do you, market. I guess, have, at this point, like, better options than Benelon? Do you know do you know, like, if we were to transfer like, move away from Benelon if there are at least there's been, like, better performing Yeah.","start_word":2039,"end_word":2081,"intents":[{"intent":"Analyze market options","confidence_score":0.026037328}]},{"text":"I mean, that Maybe. worked. I mean because, like, looking at it overall, it's it's I mean, it's I wouldn't say I mean, it's performed really well. You know? Like and, again, like, I guess my position coming in is is long term growth. So, like, the 10 did you mention 10% year on year? Yeah.","start_word":2444,"end_word":2499,"intents":[{"intent":"Analyze fund performance","confidence_score":0.019985396}]},{"text":"Yep.","start_word":2759,"end_word":2759,"intents":[{"intent":"Determine policy coverage options","confidence_score":0.0002037018}]},{"text":"And it generally covers for about a year of income as well. Is that something you'd wanna potentially look at and see what that looks like in terms of cost? Or Yeah.","start_word":3137,"end_word":3168,"intents":[{"intent":"Discuss pricing and risk coverage","confidence_score":0.000010192233}]},{"text":"And then in regards to your hub 24 and, like, your current risk profile, have you, like, your version to risk hasn't really changed? Are you happy with how hub's traveling, like it's reporting? No.","start_word":3178,"end_word":3212,"intents":[{"intent":"Get feedback on hub 24's profile","confidence_score":0.0000010987786},{"intent":"Explain hub 24's functionality","confidence_score":0.0022544374}]},{"text":"more log in, look at the current balance, and that's it.","start_word":3287,"end_word":3297,"intents":[{"intent":"Report hub 24's logging in and current balance","confidence_score":0.0000013497761}]},{"text":"But I did I did notice that sometimes there'd be, like, notices about fees coming up or or, like, going up and whatnot, but I don't really I I I guess what I'm trying to say is I know you guys are on top of that anyway. So Yeah.","start_word":3299,"end_word":3347,"intents":[{"intent":"Ask about fees","confidence_score":0.0015437794}]},{"text":"the reason I ask is, like, his company four is still quite comparable in the market in terms of, like, product, like, that you get the services and the price that you pay.","start_word":3351,"end_word":3383,"intents":[{"intent":"Analyze product options","confidence_score":0.0029924368}]}]},"sentiments":{"segments":[{"text":"Hello? Cesar speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03871758282184601},{"text":"Good afternoon, Caesar.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3993084132671356},{"text":"It's Kyle calling from Financial. How are you today?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.2660069763660431},{"text":"I'm good. Thanks. How are you?","start_word":15,"end_word":20,"sentiment":"positive","sentiment_score":0.47138553857803345},{"text":"Yeah. Not too bad at all.","start_word":21,"end_word":26,"sentiment":"neutral","sentiment_score":0.28371739387512207},{"text":"Thanks for asking.","start_word":27,"end_word":29,"sentiment":"positive","sentiment_score":0.6215903759002686},{"text":"I just scheduled in for a bit of a follow-up. Is now still a good time? Yes. Yes.","start_word":30,"end_word":47,"sentiment":"neutral","sentiment_score":0.2456813603639603},{"text":"It is. Perfect.","start_word":48,"end_word":50,"sentiment":"positive","sentiment_score":0.4485677778720856},{"text":"If I could just you through security, just that name, date of birth, and current address, we can get stuck into that one today. Sure thing. Name is Cesar Bendoy. Date of birth is 04/14/1981. And sorry. What was the last Just your current info? address. Thanks, Caesar. Oh, address, Unit 321155 To 1159 Pacific Highway, Pimbles, New South Wales.","start_word":51,"end_word":110,"sentiment":"neutral","sentiment_score":0.13089561462402344},{"text":"Perfect. Thank you for that one.","start_word":111,"end_word":116,"sentiment":"positive","sentiment_score":0.6714558601379395},{"text":"Now I know it was just in regards to your portfolio and how that was tracking in addition to the the bed along fund within that. Did you sort of have any questions before I jump into that at all there, Susan? It's more, I guess, just just try to understand how it's been performing and, like, how we've done since I joined OB Financial and how we're tracking in in terms of, I guess, just general growth and just looking at, I guess, you know, like, if there are more ways we could we could, look into to, I guess, you know, like, do we change strategy or do we just retain the current, I guess, appetite for investing? Stuff like that. Just, you know, just have a general understanding of how the fund's doing, so to speak.","start_word":117,"end_word":255,"sentiment":"neutral","sentiment_score":0.09441344439983368},{"text":"Perfect.","start_word":256,"end_word":256,"sentiment":"positive","sentiment_score":0.3767017126083374},{"text":"Yeah.","start_word":257,"end_word":257,"sentiment":"neutral","sentiment_score":0.2608296275138855},{"text":"Not a problem at all. So I can let you know, like, since inception, since you came on board with Oakview, your funds been performing quite well.","start_word":258,"end_word":284,"sentiment":"positive","sentiment_score":0.42208272218704224},{"text":"Like, it's since inception after fees, it's done 36.21%, which works out to be 9.98 after fees per Mhmm. annum. So 10% per annum, basically.","start_word":285,"end_word":309,"sentiment":"neutral","sentiment_score":0.27722808718681335},{"text":"After fees cost for growth portfolio, it's quite good still. I'm sure you'd agree if you kept getting 10% on average for, like, an 80% growth, 20% defensive split, it's quite nice if you can keep that up.","start_word":310,"end_word":347,"sentiment":"positive","sentiment_score":0.4876898558516251},{"text":"Yep. The reason it stalled a little bit there in the last year so I think your average for the last year was around 5.71 is Mhmm. due to the active managed portion of Benelon. So you do have two actively managed funds in there. Now within that that fund there, it as a whole, for the past five years, it hasn't performed too crash hot. I must admit for a managed fund, you expect them to be outperforming the market where it's been doing around the sort of six to 7% maybe before any sort Mhmm. of fees and costs. And then with the end of last year, I'm not too sure if you heard, there was a trading suspend on one of their underlying investments, and that was Corporate Troubler.","start_word":348,"end_word":479,"sentiment":"neutral","sentiment_score":-0.1544293314218521},{"text":"And that was due to the company itself, not Ben Long, but the company they hold not reporting correctly, and they got done from the dodgy accounting practices, which, pardon me, which caused Ben Long to have to reevaluate that share price and then Yep. also a loss of, like, consumer confidence in that fund, which caused quite a backwards, downwards, event there towards the end of last year.","start_word":480,"end_word":548,"sentiment":"negative","sentiment_score":-0.45477914810180664},{"text":"And then Mhmm. since then, they've come back a little bit.","start_word":549,"end_word":559,"sentiment":"neutral","sentiment_score":-0.24686552584171295},{"text":"They haven't come back a whole heap.","start_word":560,"end_word":566,"sentiment":"negative","sentiment_score":-0.35513973236083984},{"text":"As a company, they have sort of as we come across, like, investment reviews and, like, the annual reviews and things like that, we are reviewing the Benelung portion. So the options there are even though you've hit the loss, we normally say, like, you know, don't sell low, buy high.","start_word":567,"end_word":617,"sentiment":"neutral","sentiment_score":-0.1815590113401413},{"text":"But in this current circumstances, just with the conviction there, the investment, McKinney wants to start moving away from Benelung, not just because of their past performance, but just due to that event there as well, they do wanna start moving away from it.","start_word":618,"end_word":661,"sentiment":"negative","sentiment_score":-0.38905054330825806},{"text":"Okay. So the options for that as we can just look at removing specifically the benelong and replacing it with either an actively managed portion or a more indexed approach, so one that can either try it out on the market for a bit higher cost, much like benolon.","start_word":662,"end_word":710,"sentiment":"neutral","sentiment_score":-0.0668260707538955},{"text":"But you can see how that can have a negative correlation as well that if they don't get it right, it can go backwards.","start_word":711,"end_word":734,"sentiment":"negative","sentiment_score":-0.6379077434539795},{"text":"And then you have oh, yeah. Sorry. Yep. Yeah. I do just have a question and just wanna take a step back. I'll can you just help me understand what the Bennelong component is? Is Bennelong like a fund manager? Yes. Yes. So it's an actively managed fund. So when I talk about an indexed investment, it encapsulations like a broad industry, so or an area, like a geographical area. So when I say that the S and P 500 in its index Mhmm. Yep. for the Yeah. top 500 companies in America, now it's somewhat dynamic in the sense that if a company falls out of that top 500, you no longer hold that. If a company grows to a size where it's in that top 500, then you do hold that. And then Mhmm. it just shows that as the market trends, that's the way it follows because it's based on pure company size and what's happening in the world. Whereas a fund manager like Ben Long aims to, you know, based on their data analytics, there's a few ways people do it, whether it's performance driven or value driven Yes. in their analytics. And then they try and find the gaps in the market to get additional growth and try and beat those indexes. So not just tracking what the market themselves are doing, but trying to outperform them, if that makes Yeah. sense. So is as I say, so Ben and Long, it in itself, provides that service where they they're more focused on investing and trying to, I guess, be Outperform more aggressive the when, the yeah, market. outperform Yeah. the market. And did, like so is that then a service that you guys outsourced to them for, like, a portion of of the super? So so with that one there, your all your funds are held on hub twenty four. We build Yeah. the portfolios on hub twenty four, and they're Mhmm. available investment options. Much like if you go on the ASX, like, Benelong is a listed security or your securities are listed on the ASX, Oh, and I you see. Okay. yeah. And it's not that we just give them the money. It's, like, the same as buying any sort of shares, like, with Super, you're the beneficiary of those shares, whether it's index Yep. direct or, like, managed funds, if that makes sense. Okay. Okay. Alright.","start_word":735,"end_word":1139,"sentiment":"neutral","sentiment_score":0.06156899434180907},{"text":"Thanks.","start_word":1140,"end_word":1140,"sentiment":"positive","sentiment_score":0.4689232110977173},{"text":"Yeah. That that's makes it clear. Clears it I up. it's just because yeah. I've I've just haven't heard of Ben Long before, so I'm just not too familiar with them. But, yeah, yeah, it is an Australian equities. Actually, over the past twenty years, there were well, so twenty five years ago for a twenty year period, they were quite an an aggressive growth. Like, in terms of, like, their returns, they were doing really, really quite well.","start_word":1141,"end_word":1219,"sentiment":"neutral","sentiment_score":0.10218769311904909},{"text":"Following the events of COVID, they just really haven't come back much from that, and they haven't found their form again.","start_word":1220,"end_word":1240,"sentiment":"negative","sentiment_score":-0.44227591156959534},{"text":"Yep. Okay. So the, yeah, the options there are we can replace Benelux, because it's an Australian equities, with an alternate Australian equities, whether that's index or another, like, actively managed fund. Index is obviously comes at a bit of a cheaper cost base for you, and then the active management obviously goes to try and outperform that market. You pay a little bit more for that active management there. Yep. Or the option there is given that it has taken a little bit of a loss, we can look at reviewing the entire portfolio, doing a few updates in regards to portfolio as a whole and use some of those losses to offset some CGT or capital gains for some of the other investments. Because currently, if you sold down everything, you'd pay around sort of the 2,400 in total tax if you were to sort of sell everything down to to cash right now. But in saying that when moving funds and doing a fund update, generally, the core, like, the S and P 500 and, like, things like your defensive portion that are quite key, like gold and things like that, they stay, like, in the newer portfolios generally as well. So you wouldn't be looking at, like, a full CGT sell down if you were to do, like, a full refresh and update if that's the the case. I mean, to be to be honest, I'm not too, how do you say it, not too concerned about, like, the short term, I guess, gains or losses, if that makes sense, Yep. and just trying to, I guess, be able to position myself in, like, looking at long term growth. And, to be honest, I don't even I I think, like, whatever you guys feel would be, I guess, the best option at this point. I I trust you guys.","start_word":1241,"end_word":1553,"sentiment":"neutral","sentiment_score":0.043192164948620736},{"text":"I guess just keeping in mind that for me, it's really long term growth.","start_word":1554,"end_word":1567,"sentiment":"positive","sentiment_score":0.3338758051395416},{"text":"So I'm Yep. not too worried about, like, you know, past year or past two years if you see it, like, really performing in the neck well, I guess, in the next decade or so. Because yeah. I mean, yeah, it's more really just preparing for retirement. And Yep. so I really don't want to, yeah, I guess, really actively manage it, so to speak. You don't wanna So do the chopping and changing and then, yeah. like yeah. Yeah. Which is what we sort of push here as well. You know, Elexu is not to be day traded by any means. But given that you have held that Ben Long Fund for that period of time of, like, three years and it haven't really done much, we'd be probably Yep. looking towards removing that one at least.","start_word":1568,"end_word":1705,"sentiment":"neutral","sentiment_score":-0.02812751423081626},{"text":"If you're happy Thank with you.","start_word":1706,"end_word":1711,"sentiment":"positive","sentiment_score":0.3584960997104645},{"text":"the growth out of your like, there's nothing wrong with the rest of the portfolio. In terms of you're Yeah.","start_word":1712,"end_word":1731,"sentiment":"neutral","sentiment_score":0.269522488117218},{"text":"happy with the returns, it is getting and holding that longer term.","start_word":1732,"end_word":1743,"sentiment":"positive","sentiment_score":0.46356630325317383},{"text":"Mhmm. As I said, a lot of the key components in that key components in, like, updated portfolios or if we were to refresh it anyway, Okay. And we can just look at replacing that Benelong portion with either, like, as I said, an active portion again or looking at just more of an index option, which just tracks the, like, sort of a market index in the Australian sort of area or What would you, I guess, recommend? region. In terms of that, it comes down to, like, your tolerance to risk a little bit there as well. Like, if if you wanna outperform the market, you've gotta have that level of active component to try and beat what the market's doing. If you're happy to have a lower cost investment over that longer term period and just track what the markets are doing and just getting that, like, sustained long term growth with a little less volatility in the sense that, you know, the index is what the market's actually doing, whereas the market manager Yeah. could get it wrong much like Benelon where it goes Yeah. backwards again. So that's the sorta the level of risk you take on with that manager risk. And if you wanna sorta mitigate that a little bit, you've still got the ClearBridge rare infrastructure fund, which is a managed fund within that. So you'd still hold a level of active management. It would just reduce it a portion there and Yeah. keep index at a lower cost over that longer term period or a fund that wants to aim at beating the market and getting higher returns for that little extra cost, but it's, like, no guarantee that they'll obviously outperform the Yeah. Yeah. I understand. But do you, market. I guess, have, at this point, like, better options than Benelon? Do you know do you know, like, if we were to transfer like, move away from Benelon if there are at least there's been, like, better performing Yeah. managed Yeah. funds, There's, so like, to speak. there's better performing managed funds within Australian, like, area that we can look at and put you in as an alternative. With that, obviously, you know, with the way the markets are as well, they are quite volatile in the sense that, you know, Trump's been around playing in the media, which has caused a lot of dips and things like that. You've got the wars, Yeah.","start_word":1744,"end_word":2156,"sentiment":"neutral","sentiment_score":-0.010843840154839484},{"text":"like, in Ukraine that have caused, like, a a bit of market turbulence. So those are all things that it like, it's very hard for even, like, fund managers to predict.","start_word":2157,"end_word":2187,"sentiment":"negative","sentiment_score":-0.3947480022907257},{"text":"Yep. Yes, And sir. then, like yeah. In in the Australian equities market as well, everything's a little bit down with how the ASX is at the moment. But in in saying that there are definitely active alternatives to Benelon or, yeah, as I said, we can just look at more of a passive approach. Yeah. I think because before, I guess, coming into this joining, moving to Oakview, the idea was to have a certain component that's protected by, you know, like, be like, that's more conservative Yeah. in its approach, but then still have, like, that at least a portion that's a bit more Yep. aggressive that tries to grow the, you know, grow the money a bit more aggressively. I think that's always been the approach. So I think, yeah, we we could probably stick with that and just select a different fund if you you know, what you think would be the best this time around. Yep. No. No problem. I can make a recommendation of replacing that.","start_word":2188,"end_word":2359,"sentiment":"neutral","sentiment_score":0.0517108179628849},{"text":"If you're happy with the rest of your fund, you'd still aim to have probably around, like, the the 20% in, like, actively managed.","start_word":2360,"end_word":2383,"sentiment":"positive","sentiment_score":0.4191870391368866},{"text":"And then Mhmm. as a whole, you'd be around, like, an eighty twenty split still where it's 80% growth assets. It whether that's, you know, the the active portion or just the the regular index version and then that 20% defensive there with between your, like, bank hybrids that you called that you currently hold there as well. Okay. Yeah. I mean, that Maybe. worked.","start_word":2384,"end_word":2448,"sentiment":"neutral","sentiment_score":0.17887526750564575},{"text":"I mean because, like, looking at it overall, it's it's I mean, it's I wouldn't say I mean, it's performed really well.","start_word":2449,"end_word":2470,"sentiment":"positive","sentiment_score":0.3984486162662506},{"text":"You know? Like and, again, like, I guess my position coming in is is long term growth. So, like, the 10 did you mention 10% year on year? Yeah. After fees is Yeah. what it works out to be at the moment because Yeah.","start_word":2471,"end_word":2514,"sentiment":"neutral","sentiment_score":0.1733757257461548},{"text":"it was That's around actually pretty 30, good.","start_word":2515,"end_word":2522,"sentiment":"positive","sentiment_score":0.3390521705150604},{"text":"yeah, 36%, like, as a a total return after a fees and cost there for, like, the adviser fees, investment fees, and the administration fees there as well. Yeah. So it works out to be around 10 percent annualized per annum even though it did take a little bit of a a backward step with Yep. the.","start_word":2523,"end_word":2579,"sentiment":"neutral","sentiment_score":0.2541254460811615},{"text":"So, yeah, like, honestly, I'm I'm happy with that performance.","start_word":2580,"end_word":2589,"sentiment":"positive","sentiment_score":0.5942670702934265},{"text":"So, yeah, I guess we don't really need to take too much of, like, make drastic changes to the approach.","start_word":2590,"end_word":2609,"sentiment":"neutral","sentiment_score":0.16016578674316406},{"text":"Not a problem at all.","start_word":2610,"end_word":2614,"sentiment":"positive","sentiment_score":0.364265114068985},{"text":"And then in regards to everything else, are you largely happy with everything else, Susan? I know you currently hold your insurance separate. You kept that. When you came on board, I believe you were in between jobs and potentially starting Yeah. a new job there. Is that something you wanna review at this time? Are you currently happy with that Noble Oak policy that you still hold?","start_word":2615,"end_word":2682,"sentiment":"neutral","sentiment_score":0.0638008713722229},{"text":"Or I mean, I'm I'm happy if you guys could, like, could find a better I I mean, the with the level of coverage I'm getting from Noble Oak and for the premiums I pay, I'm still quite happy with them. But, of course, like, if there's something out there that's better, because that would save me money for the same coverage, like, I'd be more than happy to, yeah, look into it or consider it.","start_word":2683,"end_word":2758,"sentiment":"positive","sentiment_score":0.4769933521747589},{"text":"Yep. Because with that, is your Noble Life policy underwritten? Like, did you go through, like, a health and sort of questionnaire when you took out that policy? Like, in Yes. the sense that yeah. And so like, because with that, we have, like, a bit of a pre assessment process. I can you booked in with one of the the staff here, and they'll go through a little bit more about your income, your job, like your Yeah. daily activities, your hobbies, a little bit about family history, and a little bit about your own medical history. It does set a little bit prying, but it's everything that, like, an insurer will ask when looking at rewriting a policy. Yeah. Because if you rewrite and sort of something's happened in the last year, so you've strained your neck and go into a chiropractor, that might end up being an exclusion where it Mhmm. might not currently be an exclusion on your current policy. I'm not sure. Do you know if you have any exclusions or loadings on your current policy? No. I don't have any. Yeah. So we can definitely have a look and see if we can find something comparable for your occupation, and then we just have to do that, like, health questionnaire to see if it would have any exclusions. Because if you're gonna end up with an exclusion, you just wanna retain your current policy, especially if you're happy Yes. with, you know, the amount you have and what it's covering. The only other insurer that you don't have or insurance is, like, trauma cover. Have you been told about trauma cover, like, had a brief discussion about it previously? Not really. Not really. And I I would think that Noble Oak might have it, but probably not. So yeah. Because what trauma insurance is is it's like a lump sum. And because you pay out of pocket anyway, it isn't, like, the only it's the only one that can be paid out of pocket. So other insurances can be paid out of superannuation, whereas trauma can't be. And it pays for things like significant trauma events, like getting diagnosed with certain cancers, heart attacks, strokes, those Oh, sort okay. of things. Yeah. And it generally covers for about a year of income as well. Is that something you'd wanna potentially look at and see what that looks like in terms of cost? Or Yeah. Sure. Sure. Fine. Yep.","start_word":2759,"end_word":3172,"sentiment":"neutral","sentiment_score":-0.001906803768614064},{"text":"Not a problem at all.","start_word":3173,"end_word":3177,"sentiment":"positive","sentiment_score":0.3465211093425751},{"text":"And then in regards to your hub 24 and, like, your current risk profile, have you, like, your version to risk hasn't really changed? Are you happy with how hub's traveling, like it's reporting? No. You said you'd look at it a little bit. Have you had any issues with hub 24 itself? No. I've not had any issues with it. I mean, I I don't really go into the platform that often. I probably Yep. just look at it every once in a while just Yep. to see how, yep, you know, my super is tracking. But, yeah, I don't actively, I guess, use the platform. It's Yep. more log in, look at the current balance, and that's it. Yeah. But I did I did notice that sometimes there'd be, like, notices about fees coming up or or, like, going up and whatnot, but I don't really I I I guess what I'm trying to say is I know you guys are on top of that anyway. So Yeah. The yeah. the reason I ask is, like, his company four is still quite comparable in the market in terms of, like, product, like, that you get the services and the price that you pay. It's basically just if you weren't happy with it, we can review alternatives there as well. Like, there is no issue with Hub twenty four itself.","start_word":3178,"end_word":3408,"sentiment":"neutral","sentiment_score":0.014354470939863296},{"text":"But if you're happy with it, it just means you don't have to worry about changing.","start_word":3409,"end_word":3424,"sentiment":"positive","sentiment_score":0.3633936941623688},{"text":"But if you weren't happy, I'd be happy to have a look around at something that married up sort of thing. But then you gotta Yeah. worry about, like, those capital gains costs and things like that. That's fine. We can leave that alone. Yeah. And is there a time that would potentially suit you, Susie? Because I believe everyone's a little bit busy at the moment that I could get you scheduled even maybe just a little bit later today to be able to do a pre assessment to go through that quickly. I'll be very busy the rest of the day. Perhaps towards the end of the week be better, if that's Yeah. That's not a problem at all. Would sort of morning or afternoon better suit alright. you there? I think either Thursday or Friday from probably 4PM Sydney time onwards. Yep. So if I did I'm just having a quick look. If I did 3PM our time, 4PM your time on Thursday, the nineteenth, would that work for you? Yes. Yes. And no.","start_word":3425,"end_word":3601,"sentiment":"neutral","sentiment_score":0.08131548762321472},{"text":"Perfect. Thank you.","start_word":3602,"end_word":3604,"sentiment":"positive","sentiment_score":0.4411127269268036},{"text":"I'll just chuck that one in there. And that must be my colleague reaching out. So they'll just go like, there's a little bit there based on your occupation and Mhmm. what you do as well. Yep. You know, I doubt with your role that you're doing too much manual handling and things like that, but they'll ask the the questions and then, you know, a few things, you know, if you've taken up downhill mountain biking, things like that, just a case level of risk. Yeah. From there, Okay. we basically just check with the insurers based on your occupation, family history, and health, how Yeah. they'd rate you. And if it comes with any exclusions, I might just give you a call and let you know that, like, if we look at another policy, you're gonna end up with an exclusion. So it's probably best to just retain you one that doesn't Yeah. have one, if that makes sense. Okay. Yeah.","start_word":3605,"end_word":3767,"sentiment":"neutral","sentiment_score":-0.04072802573259623},{"text":"Not a problem at all. I'll get you booked in there, sir.","start_word":3768,"end_word":3779,"sentiment":"positive","sentiment_score":0.4945986866950989},{"text":"But is there anything else that you wanted to have a chat about there while you've got me? At the moment, no. I'm actually just yep. Just just my I guess, the the main thing that I wanted to find out was, like, the year on year growth since inception.","start_word":3780,"end_word":3829,"sentiment":"neutral","sentiment_score":0.17313489317893982},{"text":"And, yeah, I'm I'm since you've provided me the numbers, I'm actually very okay with that. Yep.","start_word":3830,"end_word":3846,"sentiment":"positive","sentiment_score":0.44324007630348206},{"text":"It's just, you know, like, just being able to see where we're at, like, from time to time, just how how we're tracking. But like I said, I I didn't really want to worry too much about, like, you know, how my super is being invested. It's more Yep. like, yeah, leaving that How to it's actually tracking? you you guys. Yeah. Yeah. Yep. So, unfortunately, we can't just go in and, like, make changes unless you're sort of in, like, an SMA sort of dynamic where they make the underlying changes much like a managed fund. So we do have to, like, Mhmm. obviously have the conversations when we do wanna change Yep. stuff, Yep. and Bandalong is one of the things that we do wanna look at getting getting rid of just based on their past performance and, you know, the the outlooks of their sort of fund. Okay. No worries. Not a problem. But if you're happy with everything else, I'll get on to those few things. Once the pre assessment's completed, it might be really quick in terms of a phone call based on these sort of conditions that do pop up. Or otherwise, we'll just get through with the the advice process. If you get a call from me, basically, it'll just be an investment update, and Mhmm. the insurance Okay. will leave a loan. If the insurance come back that we can look at sort of doing that anyway, I might give you a quick call just to see if you wanna look at still paying out of pocket or look at paying through super things like that and just adding Mhmm. a little bit more Okay. to super and those sort of ways of working things to be a little bit more cost effective for Yeah. Yeah.","start_word":3847,"end_word":4150,"sentiment":"neutral","sentiment_score":0.03679077143437768},{"text":"you. Perfect, This Cesar. Well, thanks for your time this month sounds or this afternoon, I should say. I'll let good. you get back to it, and we'll be talking soon. Alright. Thanks so much for your call. Appreciate it. No problem. Thanks, mate. Bye. Alright. Cheers. Bye.","start_word":4151,"end_word":4198,"sentiment":"positive","sentiment_score":0.6115042567253113}],"average":{"sentiment":"neutral","sentiment_score":0.053192570475315906}}}}