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I was like, absolutely. Let me just get seated. All good, mate. No. That's alright, man. I've got a bit of time. What can I do for you? Yeah. Yeah. That does not feel right at all, to be perfectly honest. That seems very strange. Yeah. Yeah. Yeah. I wonder if you had, like, a distribution or something, like some dividends maybe. Let me log in to your account, and I'll have a little look see. I'm just gonna pull up the old net wealth authenticator. No. That doesn't it doesn't sound right, but if it's a positive surprise, that'll be good. Let me just have a quick look. 24431. I'm just gonna grab into Netwealth now. Let's have a little look see. Most of the things I've been going off lately have just been like an exported report, so I'm just gonna go on there now. Got chassis. Here we go. $1.38 at the moment. I know it's a little bit of a jump up in the last week or so. And we've got yes. Yes. Yes. Yes. So I need to explain that one to you because while we're in the middle of our discussion about what to do with your super remember how I was saying I was talking to the investment committee around updating some different options to replace BetterLoan. The company pretty much made a decision not too long ago to do a sweeping change across all Netwealth accounts to switch that in for just a a standard Australian ETF. It was just a this has gone on for too long for most client accounts, and they've just gone in and said, we're making a licensee decision to do a bit of a switch out. All advice is still pending or okay to do, but this one is just coming in to do a kind of like an emergency switch. So that's kind of why it's ticked up so quickly is that got switched, and then all of a sudden it started increasing. Correct. Yeah. A through 100. Yeah. It was basically, we can't switch out, I guess, allocations to Australian equities or mix too many options without that advice document. This was just a a sidestep. Yeah. Yeah. Yeah. Yeah. I'll have to send through yeah. I'll have to get, like, a bit of a CGT report done. And one of the things that we have to be careful with is because the end of financial year is coming up in about three months' time is all of the gains and losses and taxes and things are kind of set for the financial year. So any further switches and things like that? Yeah. Yeah. So I'll get a a CGT report to show what what loss was crystallized there. And then any offsetting of gains, so any further updates to the portfolio, we can pretty much use that loss to offset the gains on any further switches, which is what I'm conscious of in the portfolio that I was kind of building. So this was one that I was already recommending. And alongside that, if we wanna switch a couple more, we can pretty much fully offset most of it. So I'll send you through a CGT report as soon as I can, and then I'll let you know the other options I was looking at as well and just sort of see what you think. Cool. Cool. Yep. Yeah. That's right. We did that. So that original SOA was basically that same switch plus a few others, and I basically did a bit of a comparison with the Vanguard and whatnot as well. Yeah. Absolutely. I'm just gonna tee in the team now, and I should be able to get it to you in the next couple of hours. No worries, Tazhi. If I don't speak to you again today, mate, happy Easter. See you. 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my friend. How are you doing? Yes, sir. Fantastic. Sorry, mate.\n\nI was just running back from a bit of a lunch break and Caden said, Tazzy's on the phone. Can you speak to him? I was like, absolutely. Let me just get seated. All good, mate.\n\nNo. That's alright, man. I've got a bit of time. What can I do for you? Yeah.\n\nYeah. That does not feel right at all, to be perfectly honest. That seems very strange. Yeah. Yeah.\n\nYeah. I wonder if you had, like, a distribution or something, like some dividends maybe. Let me log in to your account, and I'll have a little look see. I'm just gonna pull up the old net wealth authenticator. No.\n\nThat doesn't it doesn't sound right, but if it's a positive surprise, that'll be good. Let me just have a quick look. 24431. I'm just gonna grab into Netwealth now. Let's have a little look see.\n\nMost of the things I've been going off lately have just been like an exported report, so I'm just gonna go on there now. Got chassis. Here we go. $1.38 at the moment. I know it's a little bit of a jump up in the last week or so.\n\nAnd we've got yes. Yes. Yes. Yes. So I need to explain that one to you because while we're in the middle of our discussion about what to do with your super remember how I was saying I was talking to the investment committee around updating some different options to replace BetterLoan.\n\nThe company pretty much made a decision not too long ago to do a sweeping change across all Netwealth accounts to switch that in for just a a standard Australian ETF. It was just a this has gone on for too long for most client accounts, and they've just gone in and said, we're making a licensee decision to do a bit of a switch out. All advice is still pending or okay to do, but this one is just coming in to do a kind of like an emergency switch. So that's kind of why it's ticked up so quickly is that got switched, and then all of a sudden it started increasing. Correct.\n\nYeah. A through 100. Yeah. It was basically, we can't switch out, I guess, allocations to Australian equities or mix too many options without that advice document. This was just a a sidestep.\n\nYeah. Yeah. Yeah. Yeah. I'll have to send through yeah.\n\nI'll have to get, like, a bit of a CGT report done. And one of the things that we have to be careful with is because the end of financial year is coming up in about three months' time is all of the gains and losses and taxes and things are kind of set for the financial year. So any further switches and things like that? Yeah. Yeah.\n\nSo I'll get a a CGT report to show what what loss was crystallized there. And then any offsetting of gains, so any further updates to the portfolio, we can pretty much use that loss to offset the gains on any further switches, which is what I'm conscious of in the portfolio that I was kind of building. So this was one that I was already recommending. And alongside that, if we wanna switch a couple more, we can pretty much fully offset most of it. So I'll send you through a CGT report as soon as I can, and then I'll let you know the other options I was looking at as well and just sort of see what you think.\n\nCool. Cool. Yep. Yeah. That's right.\n\nWe did that. So that original SOA was basically that same switch plus a few others, and I basically did a bit of a comparison with the Vanguard and whatnot as well. Yeah. Absolutely. I'm just gonna tee in the team now, and I should be able to get it to you in the next couple of hours.\n\nNo worries, Tazhi. If I don't speak to you again today, mate, happy Easter. See you. Bye.","paragraphs":[{"sentences":[{"text":"Tazzy, my friend.","start":1.4399999,"end":2.32,"sentiment":"neutral","sentiment_score":0.1586634417374929},{"text":"How are you doing?","start":2.32,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.1893685832619667},{"text":"Yes, sir.","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.15646542608737946},{"text":"Fantastic.","start":6.7999997,"end":7.2999997,"sentiment":"positive","sentiment_score":0.6327745914459229},{"text":"Sorry, mate.","start":7.52,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.1829780414700508}],"sentiment":"neutral","sentiment_score":0.21209384873509407,"num_words":12,"start":1.4399999,"end":7.9199996},{"sentences":[{"text":"I was just running back from a bit of a lunch break and Caden said, Tazzy's on the phone.","start":7.9199996,"end":11.28,"sentiment":"neutral","sentiment_score":0.02216877160887969},{"text":"Can you speak to him?","start":11.28,"end":11.92,"sentiment":"neutral","sentiment_score":0.011125855520367623},{"text":"I was like, absolutely.","start":11.92,"end":12.82,"sentiment":"neutral","sentiment_score":-0.07167765405029058},{"text":"Let me just get seated.","start":12.96,"end":14.259999,"sentiment":"neutral","sentiment_score":0.06429508998990059},{"text":"All good, mate.","start":15.025001,"end":16.085,"sentiment":"neutral","sentiment_score":0.2935405820608139}],"sentiment":"neutral","sentiment_score":0.03867284772503707,"num_words":36,"start":7.9199996,"end":16.085},{"sentences":[{"text":"No.","start":17.905,"end":18.145,"sentiment":"neutral","sentiment_score":-0.06351037323474884},{"text":"That's alright, man.","start":18.145,"end":18.785,"sentiment":"neutral","sentiment_score":0.025051701813936234},{"text":"I've got a bit of time.","start":18.785,"end":19.505001,"sentiment":"neutral","sentiment_score":0.01821311190724373},{"text":"What can I do for you?","start":19.505001,"end":20.885,"sentiment":"neutral","sentiment_score":0.056276477252443634},{"text":"Yeah.","start":29.84,"end":30.08,"sentiment":"neutral","sentiment_score":0.010599701665341854}],"sentiment":"neutral","sentiment_score":0.027598939342972112,"num_words":17,"start":17.905,"end":30.08},{"sentences":[{"text":"Yeah.","start":30.08,"end":30.58,"sentiment":"neutral","sentiment_score":0.02662668563425541},{"text":"That does not feel right at all, to be perfectly honest.","start":46.495003,"end":49.635002,"sentiment":"neutral","sentiment_score":-0.27777082879434933},{"text":"That seems very strange.","start":49.855,"end":51.235,"sentiment":"neutral","sentiment_score":-0.2360573522746563},{"text":"Yeah.","start":56.399998,"end":56.899998,"sentiment":"neutral","sentiment_score":-0.023112056776881214},{"text":"Yeah.","start":72.895004,"end":73.135,"sentiment":"neutral","sentiment_score":-0.013204683549702168}],"sentiment":"neutral","sentiment_score":-0.2227443655849331,"num_words":18,"start":30.08,"end":73.135},{"sentences":[{"text":"Yeah.","start":73.135,"end":73.635,"sentiment":"neutral","sentiment_score":0.0011134762316942215},{"text":"I wonder if you had, like, a distribution or something, like some dividends maybe.","start":76.829994,"end":80.509995,"sentiment":"neutral","sentiment_score":-0.022682828695646355},{"text":"Let me log in to your account, and I'll have a little look see.","start":80.509995,"end":83.17,"sentiment":"neutral","sentiment_score":0.025748332363686392},{"text":"I'm just gonna pull up the old net wealth authenticator.","start":84.99,"end":87.49,"sentiment":"neutral","sentiment_score":-0.009717581048607826},{"text":"No.","start":93.745,"end":93.985,"sentiment":"neutral","sentiment_score":-0.0722125843167305}],"sentiment":"neutral","sentiment_score":-0.0031339466804638505,"num_words":40,"start":73.135,"end":93.985},{"sentences":[{"text":"That doesn't it doesn't sound right, but if it's a positive surprise, that'll be good.","start":93.985,"end":98.385,"sentiment":"neutral","sentiment_score":0.29674758383383354},{"text":"Let me just have a quick look.","start":98.385,"end":100.005005,"sentiment":"neutral","sentiment_score":0.3124180372272219},{"text":"24431.","start":101.36,"end":102.96,"sentiment":"neutral","sentiment_score":0.03714559972286224},{"text":"I'm just gonna grab into Netwealth now.","start":102.96,"end":105.14,"sentiment":"neutral","sentiment_score":0.08797410769121987},{"text":"Let's have a little look see.","start":106.240005,"end":107.94,"sentiment":"neutral","sentiment_score":0.09003679205973943}],"sentiment":"neutral","sentiment_score":0.21753680900049707,"num_words":36,"start":93.985,"end":107.94},{"sentences":[{"text":"Most of the things I've been going off lately have just been like an exported report, so I'm just gonna go on there now.","start":108.08,"end":113.62,"sentiment":"neutral","sentiment_score":0.1001350920026501},{"text":"Got chassis.","start":113.68,"end":114.58,"sentiment":"neutral","sentiment_score":0.0379702914506197},{"text":"Here we go.","start":116.895,"end":117.875,"sentiment":"neutral","sentiment_score":0.0338272824883461},{"text":"$1.38 at the moment.","start":118.814995,"end":120.755,"sentiment":"neutral","sentiment_score":0.025486298371106386},{"text":"I know it's a little bit of a jump up in the last week or so.","start":122.73499,"end":126.19499,"sentiment":"neutral","sentiment_score":-0.009821305904551991}],"sentiment":"neutral","sentiment_score":0.05154018239676477,"num_words":49,"start":108.08,"end":126.19499},{"sentences":[{"text":"And we've got yes.","start":127.55,"end":135.81,"sentiment":"neutral","sentiment_score":0.006672689225524664},{"text":"Yes.","start":137.39,"end":137.79001,"sentiment":"neutral","sentiment_score":0.03931825608015061},{"text":"Yes.","start":137.79001,"end":138.11,"sentiment":"neutral","sentiment_score":0.04870980232954025},{"text":"Yes.","start":138.11,"end":138.59,"sentiment":"neutral","sentiment_score":0.05101599544286728},{"text":"So I need to explain that one to you because while we're in the middle of our discussion about what to do with your super remember how I was saying I was talking to the investment committee around updating some different options to replace BetterLoan.","start":138.59,"end":154.48,"sentiment":"neutral","sentiment_score":-0.00334724738366074}],"sentiment":"neutral","sentiment_score":0.0002905515094216053,"num_words":52,"start":127.55,"end":154.48},{"sentences":[{"text":"The company pretty much made a decision not too long ago to do a sweeping change across all Netwealth accounts to switch that in for just a a standard Australian ETF.","start":157.42,"end":170.555,"sentiment":"neutral","sentiment_score":0.007019422978403107},{"text":"It was just a this has gone on for too long for most client accounts, and they've just gone in and said, we're making a licensee decision to do a bit of a switch out.","start":171.095,"end":180.155,"sentiment":"neutral","sentiment_score":-0.045645785491381374},{"text":"All advice is still pending or okay to do, but this one is just coming in to do a kind of like an emergency switch.","start":180.45001,"end":189.59001,"sentiment":"neutral","sentiment_score":-0.06956406936049461},{"text":"So that's kind of why it's ticked up so quickly is that got switched, and then all of a sudden it started increasing.","start":190.21,"end":195.99,"sentiment":"neutral","sentiment_score":-0.020376302747298843},{"text":"Correct.","start":206.185,"end":206.685,"sentiment":"neutral","sentiment_score":-0.008528457954525948}],"sentiment":"neutral","sentiment_score":-0.03127204813063145,"num_words":115,"start":157.42,"end":206.685},{"sentences":[{"text":"Yeah.","start":207.065,"end":207.565,"sentiment":"neutral","sentiment_score":0.02532617747783661},{"text":"A through 100.","start":207.86499,"end":208.845,"sentiment":"neutral","sentiment_score":0.025986625502506893},{"text":"Yeah.","start":215.95001,"end":216.35,"sentiment":"neutral","sentiment_score":-0.030603619292378426},{"text":"It was basically, we can't switch out, I guess, allocations to Australian equities or mix too many options without that advice document.","start":216.35,"end":224.03001,"sentiment":"neutral","sentiment_score":-0.09739801863377745},{"text":"This was just a a sidestep.","start":224.03001,"end":225.125,"sentiment":"neutral","sentiment_score":-0.11667480940620105}],"sentiment":"neutral","sentiment_score":-0.08394311611173731,"num_words":33,"start":207.065,"end":225.125},{"sentences":[{"text":"Yeah.","start":225.125,"end":225.625,"sentiment":"neutral","sentiment_score":0.016013309359550476},{"text":"Yeah.","start":237.38,"end":237.88,"sentiment":"neutral","sentiment_score":-0.06365488469600677},{"text":"Yeah.","start":249.315,"end":249.815,"sentiment":"neutral","sentiment_score":-0.2794867157936096},{"text":"Yeah.","start":267.65,"end":268.05002,"sentiment":"neutral","sentiment_score":-0.03678043931722641},{"text":"I'll have to send through yeah.","start":268.05002,"end":270.45,"sentiment":"neutral","sentiment_score":-0.009337580452362696}],"sentiment":"neutral","sentiment_score":-0.04199342131614685,"num_words":10,"start":225.125,"end":270.45},{"sentences":[{"text":"I'll have to get, like, a bit of a CGT report done.","start":270.45,"end":273.35,"sentiment":"neutral","sentiment_score":-0.027987768252690632},{"text":"And one of the things that we have to be careful with is because the end of financial year is coming up in about three months' time is all of the gains and losses and taxes and things are kind of set for the financial year.","start":273.755,"end":285.695,"sentiment":"neutral","sentiment_score":-0.06571626501238864},{"text":"So any further switches and things like that?","start":285.835,"end":288.895,"sentiment":"neutral","sentiment_score":-0.029564589262008667},{"text":"Yeah.","start":289.63,"end":290.13,"sentiment":"neutral","sentiment_score":-0.0541754737496376},{"text":"Yeah.","start":347.29,"end":347.77002,"sentiment":"neutral","sentiment_score":0.01061659399420023}],"sentiment":"neutral","sentiment_score":-0.05351289710961282,"num_words":68,"start":270.45,"end":347.77002},{"sentences":[{"text":"So I'll get a a CGT report to show what what loss was crystallized there.","start":347.77002,"end":353.70502,"sentiment":"neutral","sentiment_score":-0.023742370090136924},{"text":"And then any offsetting of gains, so any further updates to the portfolio, we can pretty much use that loss to offset the gains on any further switches, which is what I'm conscious of in the portfolio that I was kind of building.","start":353.845,"end":367.86002,"sentiment":"neutral","sentiment_score":0.026087823605468106},{"text":"So this was one that I was already recommending.","start":368.24002,"end":370.74002,"sentiment":"neutral","sentiment_score":0.2578378568092982},{"text":"And alongside that, if we wanna switch a couple more, we can pretty much fully offset most of it.","start":371.44,"end":377.44,"sentiment":"neutral","sentiment_score":0.21194086066986384},{"text":"So I'll send you through a CGT report as soon as I can, and then I'll let you know the other options I was looking at as well and just sort of see what you think.","start":377.44,"end":385.135,"sentiment":"neutral","sentiment_score":0.1617745210727056}],"sentiment":"neutral","sentiment_score":0.10604049742878338,"num_words":122,"start":347.77002,"end":385.135},{"sentences":[{"text":"Cool.","start":388.715,"end":388.955,"sentiment":"positive","sentiment_score":0.5084211826324463},{"text":"Cool.","start":388.955,"end":389.455,"sentiment":"positive","sentiment_score":0.4157272279262543},{"text":"Yep.","start":399.53,"end":400.03,"sentiment":"neutral","sentiment_score":0.03177190572023392},{"text":"Yeah.","start":410.625,"end":410.945,"sentiment":"neutral","sentiment_score":0.049637701362371445},{"text":"That's right.","start":410.945,"end":411.42502,"sentiment":"neutral","sentiment_score":0.08333352953195572}],"sentiment":"neutral","sentiment_score":0.19537084611753622,"num_words":6,"start":388.715,"end":411.42502},{"sentences":[{"text":"We did that.","start":411.42502,"end":411.98502,"sentiment":"neutral","sentiment_score":0.11031443377335866},{"text":"So that original SOA was basically that same switch plus a few others, and I basically did a bit of a comparison with the Vanguard and whatnot as well.","start":411.98502,"end":421.52002,"sentiment":"neutral","sentiment_score":0.05925946323008373},{"text":"Yeah.","start":426.86002,"end":427.36002,"sentiment":"neutral","sentiment_score":0.0980122536420822},{"text":"Absolutely.","start":431.18,"end":431.68,"sentiment":"positive","sentiment_score":0.3875848054885864},{"text":"I'm just gonna tee in the team now, and I should be able to get it to you in the next couple of hours.","start":431.74002,"end":435.36002,"sentiment":"neutral","sentiment_score":0.31912901997566223}],"sentiment":"neutral","sentiment_score":0.17576140126791492,"num_words":58,"start":411.42502,"end":435.36002},{"sentences":[{"text":"No worries, Tazhi.","start":440.29498,"end":441.095,"sentiment":"neutral","sentiment_score":0.14138278861840567},{"text":"If I don't speak to you again today, mate, happy Easter.","start":441.095,"end":443.435,"sentiment":"neutral","sentiment_score":0.13950676809657703},{"text":"See you.","start":445.495,"end":446.055,"sentiment":"neutral","sentiment_score":0.3022249639034271},{"text":"Bye.","start":446.055,"end":446.555,"sentiment":"neutral","sentiment_score":0.16211414337158203}],"sentiment":"neutral","sentiment_score":0.16031099329976475,"num_words":17,"start":440.29498,"end":446.555}]}}]},{"alternatives":[{"transcript":"Tommy, is that you? No. All all good. Sorry. Sorry for for trying to rush you out of your lunch, mate. Sweet. Hey. Look. I was just I I think we've had a chat on the emails, and I I hadn't had a chance to respond to you. But I'm I'm sort of coming to you right now because I've just looked at my account again. So I think the last time I mentioned it was about a week ago. But now, Benelongs in the positive by $50. So that's a swing, if I remember, of almost 15 k in a week. So that's still right to you. Yeah. We we were down. Yeah. We were down about 10% of my total account all in Benelong. And now I'm checking let me let me have a look at my view my now I'm looking at it and it's got how much is it again? That's it. Yeah. Because I was under a 130 k in total in my last check last week. But now, you've been along oh, with $31 up. So they've they've Yeah. Okay. Cool. It just seemed bizarre. That's a huge I mean, obviously, there's a lot of volatility, but I wouldn't have expected in my favor. It's a positive surprise. Yes. Okay. I see there's a transaction that's been done. This is a different Benelon, is it? Eight days ago, there was an asset sale. Yep. Mhmm. So let me get that right. So Bennelong is no longer there, but I'm in better shoes. That's what that is. It's not Bennelong. I've gotcha. Yeah. Okay. So that's the only asset class I'm invested in under Australian equity. Is that right? No. No. No. That's fine. That's fine. Yeah. As long as your strategic whatever alignment, your asset class allocation is is not gearing towards a high growth, high risk exposure. I'm I'm fine with that. What I wasn't fine with was being pegged 30% and, well, 40% to one stock that was doing horribly. That was my big concern. So I guess maybe something you can help me with, Tommy, is because now I've lost traction or monitoring on what have we locked in in terms of losses as a result of the switch from Betterlong to Better. Is that something you could quantify for me? Yep. Yeah. Yep. Which which should be okay this time around. Right? Because it looks like we're locking in a loss, but I wanna know what's the what's the magnitude of the loss here. I mean, obviously, everything's down, and I'd rather not continue going down on the Benelon front but potentially hedging with a better fund. I'm I'm okay with that in a way. I think that's actually something that I've been crying for for a while. So I'm I'm I'm more comfortable with that. I just wanna know how much because in comparison to Aussie Equity Australian Super, it they were up over the last year and over the last five years in in the region of 10% without a without a loss recorded over the last two years. So I'm I'm really conscious of what this movement means having locked in. I mean, obviously, been along. They didn't look like there's any future, and that's what the, like, the the trust is trustee has has made a call on. I just wanna know if that's possible. What what the what the yeah. Yep. Yep. Yes. Yep. Yes. Perfect. Okay. Yes. That'll be good. And I yeah. I on that on the back of that then, I won't be responding to your email other than to say I'm I'm happy with some movement, But then we'll wait for the CGT to see what other options I need to investigate. Because I think you guys will get you you're going to do a bit of a a compare a comparison, were you? Yes. Okay. Fine. Yes. Gotcha. Yes. Yes. Yes. That's right. Okay. Alright then. Well, I'll leave it to you, and we'll hear from you soon on on that report, CGT. Brilliant. Alrighty, Tommy. We thanks for taking the call. We'll talk to you soon. Bye. Likewise. Thank you very much. See you later. 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is that you? No. All all good. Sorry. Sorry for for trying to rush you out of your lunch, mate.\n\nSweet. Hey. Look. I was just I I think we've had a chat on the emails, and I I hadn't had a chance to respond to you. But I'm I'm sort of coming to you right now because I've just looked at my account again.\n\nSo I think the last time I mentioned it was about a week ago. But now, Benelongs in the positive by $50. So that's a swing, if I remember, of almost 15 k in a week. So that's still right to you. Yeah.\n\nWe we were down. Yeah. We were down about 10% of my total account all in Benelong. And now I'm checking let me let me have a look at my view my now I'm looking at it and it's got how much is it again? That's it.\n\nYeah. Because I was under a 130 k in total in my last check last week. But now, you've been along oh, with $31 up. So they've they've Yeah. Okay.\n\nCool. It just seemed bizarre. That's a huge I mean, obviously, there's a lot of volatility, but I wouldn't have expected in my favor. It's a positive surprise. Yes.\n\nOkay. I see there's a transaction that's been done. This is a different Benelon, is it? Eight days ago, there was an asset sale. Yep.\n\nMhmm. So let me get that right. So Bennelong is no longer there, but I'm in better shoes. That's what that is. It's not Bennelong.\n\nI've gotcha. Yeah. Okay. So that's the only asset class I'm invested in under Australian equity. Is that right?\n\nNo. No. No. That's fine. That's fine.\n\nYeah. As long as your strategic whatever alignment, your asset class allocation is is not gearing towards a high growth, high risk exposure. I'm I'm fine with that. What I wasn't fine with was being pegged 30% and, well, 40% to one stock that was doing horribly. That was my big concern.\n\nSo I guess maybe something you can help me with, Tommy, is because now I've lost traction or monitoring on what have we locked in in terms of losses as a result of the switch from Betterlong to Better. Is that something you could quantify for me? Yep. Yeah. Yep.\n\nWhich which should be okay this time around. Right? Because it looks like we're locking in a loss, but I wanna know what's the what's the magnitude of the loss here. I mean, obviously, everything's down, and I'd rather not continue going down on the Benelon front but potentially hedging with a better fund. I'm I'm okay with that in a way.\n\nI think that's actually something that I've been crying for for a while. So I'm I'm I'm more comfortable with that. I just wanna know how much because in comparison to Aussie Equity Australian Super, it they were up over the last year and over the last five years in in the region of 10% without a without a loss recorded over the last two years. So I'm I'm really conscious of what this movement means having locked in. I mean, obviously, been along.\n\nThey didn't look like there's any future, and that's what the, like, the the trust is trustee has has made a call on. I just wanna know if that's possible. What what the what the yeah. Yep. Yep.\n\nYes. Yep. Yes. Perfect. Okay.\n\nYes. That'll be good. And I yeah. I on that on the back of that then, I won't be responding to your email other than to say I'm I'm happy with some movement, But then we'll wait for the CGT to see what other options I need to investigate. Because I think you guys will get you you're going to do a bit of a a compare a comparison, were you?\n\nYes. Okay. Fine. Yes. Gotcha.\n\nYes. Yes. Yes. That's right. Okay.\n\nAlright then. Well, I'll leave it to you, and we'll hear from you soon on on that report, CGT. Brilliant. Alrighty, Tommy. We thanks for taking the call.\n\nWe'll talk to you soon. Bye. Likewise. Thank you very much. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Tommy, is that you?","start":3.9199998,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.13933398760855198},{"text":"No.","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":-0.12749570608139038},{"text":"All all good.","start":12.559999,"end":13.679999,"sentiment":"neutral","sentiment_score":0.06435181635121505},{"text":"Sorry.","start":13.679999,"end":14.179999,"sentiment":"neutral","sentiment_score":0.004436047747731209},{"text":"Sorry for for trying to rush you out of your lunch, mate.","start":15.014999,"end":17.595,"sentiment":"neutral","sentiment_score":0.06806750036776066}],"sentiment":"neutral","sentiment_score":0.06876865455082484,"num_words":21,"start":3.9199998,"end":17.595},{"sentences":[{"text":"Sweet.","start":20.695,"end":21.195,"sentiment":"neutral","sentiment_score":0.11827583611011504},{"text":"Hey.","start":21.255,"end":21.494999,"sentiment":"neutral","sentiment_score":0.06116496026515961},{"text":"Look.","start":21.494999,"end":21.735,"sentiment":"neutral","sentiment_score":0.050832562148571014},{"text":"I was just I I think we've had a chat on the emails, and I I hadn't had a chance to respond to you.","start":21.735,"end":28.62,"sentiment":"neutral","sentiment_score":0.015152827952988446},{"text":"But I'm I'm sort of coming to you right now because I've just looked at my account again.","start":28.7,"end":33.420002,"sentiment":"neutral","sentiment_score":0.021343911208936736}],"sentiment":"neutral","sentiment_score":0.02173625847014288,"num_words":45,"start":20.695,"end":33.420002},{"sentences":[{"text":"So I think the last time I mentioned it was about a week ago.","start":33.420002,"end":36.0,"sentiment":"neutral","sentiment_score":0.009644936903246812},{"text":"But now, Benelongs in the positive by $50.","start":36.54,"end":39.420002,"sentiment":"neutral","sentiment_score":0.05574976000934839},{"text":"So that's a swing, if I remember, of almost 15 k in a week.","start":39.420002,"end":44.515,"sentiment":"neutral","sentiment_score":0.04052828678062984},{"text":"So that's still right to you.","start":44.515,"end":46.135002,"sentiment":"neutral","sentiment_score":0.06018762414654096},{"text":"Yeah.","start":49.075,"end":49.575,"sentiment":"neutral","sentiment_score":-0.08987297117710114}],"sentiment":"neutral","sentiment_score":0.033015720589562904,"num_words":43,"start":33.420002,"end":49.575},{"sentences":[{"text":"We we were down.","start":49.955,"end":51.255,"sentiment":"neutral","sentiment_score":-0.20257071778178215},{"text":"Yeah.","start":51.475,"end":51.795002,"sentiment":"neutral","sentiment_score":-0.12872110307216644},{"text":"We were down about 10% of my total account all in Benelong.","start":51.795002,"end":55.495003,"sentiment":"neutral","sentiment_score":-0.14052526839077473},{"text":"And now I'm checking let me let me have a look at my view my now I'm looking at it and it's got how much is it again?","start":56.030003,"end":65.25,"sentiment":"neutral","sentiment_score":-0.015375133570549744},{"text":"That's it.","start":66.270004,"end":67.09,"sentiment":"neutral","sentiment_score":-0.018196916207671165}],"sentiment":"neutral","sentiment_score":-0.06579159079317717,"num_words":47,"start":49.955,"end":67.09},{"sentences":[{"text":"Yeah.","start":67.47,"end":67.71,"sentiment":"neutral","sentiment_score":-0.01228921953588724},{"text":"Because I was under a 130 k in total in my last check last week.","start":67.71,"end":72.425,"sentiment":"neutral","sentiment_score":-0.04253311256567637},{"text":"But now, you've been along oh, with $31 up.","start":72.805,"end":76.345,"sentiment":"neutral","sentiment_score":0.0028918702931453786},{"text":"So they've they've Yeah.","start":76.805,"end":83.67,"sentiment":"neutral","sentiment_score":-0.0032726447097957134},{"text":"Okay.","start":83.67,"end":84.15,"sentiment":"neutral","sentiment_score":0.0912553071975708}],"sentiment":"neutral","sentiment_score":-0.018203144900811215,"num_words":30,"start":67.47,"end":84.15},{"sentences":[{"text":"Cool.","start":84.15,"end":84.65,"sentiment":"neutral","sentiment_score":0.13062778115272522},{"text":"It just seemed bizarre.","start":85.75,"end":87.049995,"sentiment":"neutral","sentiment_score":-0.0406633373349905},{"text":"That's a huge I mean, obviously, there's a lot of volatility, but I wouldn't have expected in my favor.","start":87.35,"end":93.05,"sentiment":"neutral","sentiment_score":-0.202639860542197},{"text":"It's a positive surprise.","start":98.595,"end":99.955,"sentiment":"positive","sentiment_score":0.4009554982185364},{"text":"Yes.","start":99.955,"end":100.455,"sentiment":"neutral","sentiment_score":0.07878072559833527}],"sentiment":"neutral","sentiment_score":-0.07584759310401719,"num_words":29,"start":84.15,"end":100.455},{"sentences":[{"text":"Okay.","start":129.325,"end":129.825,"sentiment":"neutral","sentiment_score":0.011996032670140266},{"text":"I see there's a transaction that's been done.","start":129.885,"end":132.225,"sentiment":"neutral","sentiment_score":0.011904794722795486},{"text":"This is a different Benelon, is it?","start":132.685,"end":134.705,"sentiment":"neutral","sentiment_score":-0.013499873557261058},{"text":"Eight days ago, there was an asset sale.","start":134.845,"end":136.94499,"sentiment":"neutral","sentiment_score":-0.004767300793901086},{"text":"Yep.","start":145.91,"end":146.41,"sentiment":"neutral","sentiment_score":0.008449679240584373}],"sentiment":"neutral","sentiment_score":-0.0006781380623579025,"num_words":25,"start":129.325,"end":146.41},{"sentences":[{"text":"Mhmm.","start":161.97499,"end":162.47499,"sentiment":"neutral","sentiment_score":0.02725318633019924},{"text":"So let me get that right.","start":197.74,"end":200.0,"sentiment":"neutral","sentiment_score":-0.009394101798534393},{"text":"So Bennelong is no longer there, but I'm in better shoes.","start":201.5,"end":204.45999,"sentiment":"neutral","sentiment_score":-0.10492808304049751},{"text":"That's what that is.","start":204.45999,"end":205.34,"sentiment":"neutral","sentiment_score":-0.039962535724043846},{"text":"It's not Bennelong.","start":205.34,"end":206.23999,"sentiment":"neutral","sentiment_score":-0.09485955536365509}],"sentiment":"neutral","sentiment_score":-0.06510996587574482,"num_words":25,"start":161.97499,"end":206.23999},{"sentences":[{"text":"I've gotcha.","start":206.45999,"end":208.23999,"sentiment":"neutral","sentiment_score":0.012308107689023018},{"text":"Yeah.","start":210.40501,"end":210.90501,"sentiment":"neutral","sentiment_score":0.05674440413713455},{"text":"Okay.","start":210.96501,"end":211.365,"sentiment":"neutral","sentiment_score":0.07259269803762436},{"text":"So that's the only asset class I'm invested in under Australian equity.","start":211.365,"end":214.80501,"sentiment":"neutral","sentiment_score":0.08005460444837809},{"text":"Is that right?","start":214.80501,"end":215.625,"sentiment":"neutral","sentiment_score":0.09470861405134201}],"sentiment":"neutral","sentiment_score":0.07361760068880885,"num_words":19,"start":206.45999,"end":215.625},{"sentences":[{"text":"No.","start":223.57,"end":223.81,"sentiment":"neutral","sentiment_score":-0.10319459438323976},{"text":"No.","start":223.81,"end":223.89,"sentiment":"neutral","sentiment_score":-0.16398340463638306},{"text":"No.","start":223.89,"end":224.13,"sentiment":"neutral","sentiment_score":-0.15243247151374817},{"text":"That's fine.","start":224.13,"end":224.69,"sentiment":"neutral","sentiment_score":-0.09165686555206776},{"text":"That's fine.","start":224.69,"end":225.51001,"sentiment":"neutral","sentiment_score":-0.06598594598472118}],"sentiment":"neutral","sentiment_score":-0.10498515622956413,"num_words":7,"start":223.57,"end":225.51001},{"sentences":[{"text":"Yeah.","start":225.97,"end":226.37001,"sentiment":"neutral","sentiment_score":0.005707914009690285},{"text":"As long as your strategic whatever alignment, your asset class allocation is is not gearing towards a high growth, high risk exposure.","start":226.37001,"end":238.855,"sentiment":"neutral","sentiment_score":-0.045343821444971996},{"text":"I'm I'm fine with that.","start":238.915,"end":240.455,"sentiment":"neutral","sentiment_score":-0.019256633520126343},{"text":"What I wasn't fine with was being pegged 30% and, well, 40% to one stock that was doing horribly.","start":240.595,"end":248.295,"sentiment":"negative","sentiment_score":-0.4421539322326058},{"text":"That was my big concern.","start":248.675,"end":250.055,"sentiment":"neutral","sentiment_score":-0.2914381682872772}],"sentiment":"neutral","sentiment_score":-0.2105049015237735,"num_words":52,"start":225.97,"end":250.055},{"sentences":[{"text":"So I guess maybe something you can help me with, Tommy, is because now I've lost traction or monitoring on what have we locked in in terms of losses as a result of the switch from Betterlong to Better.","start":250.46,"end":266.72498,"sentiment":"neutral","sentiment_score":-0.2927148605768497},{"text":"Is that something you could quantify for me?","start":267.66498,"end":270.085,"sentiment":"neutral","sentiment_score":-0.012558754766359925},{"text":"Yep.","start":273.905,"end":274.405,"sentiment":"neutral","sentiment_score":-0.02245720848441124},{"text":"Yeah.","start":278.25,"end":278.75,"sentiment":"neutral","sentiment_score":-0.032948628067970276},{"text":"Yep.","start":279.77,"end":280.27,"sentiment":"neutral","sentiment_score":-0.019786469638347626}],"sentiment":"neutral","sentiment_score":-0.23183083813637495,"num_words":50,"start":250.46,"end":280.27},{"sentences":[{"text":"Which which should be okay this time around.","start":286.00998,"end":288.40997,"sentiment":"neutral","sentiment_score":-0.02704414678737521},{"text":"Right?","start":288.40997,"end":288.795,"sentiment":"neutral","sentiment_score":-0.0058529796078801155},{"text":"Because it looks like we're locking in a loss, but I wanna know what's the what's the magnitude of the loss here.","start":288.95502,"end":294.655,"sentiment":"neutral","sentiment_score":-0.18744723418388853},{"text":"I mean, obviously, everything's down, and I'd rather not continue going down on the Benelon front but potentially hedging with a better fund.","start":294.875,"end":307.48,"sentiment":"neutral","sentiment_score":-0.24751591876797055},{"text":"I'm I'm okay with that in a way.","start":307.48,"end":309.48,"sentiment":"neutral","sentiment_score":0.12484833446796983}],"sentiment":"neutral","sentiment_score":-0.14580846390116117,"num_words":62,"start":286.00998,"end":309.48},{"sentences":[{"text":"I think that's actually something that I've been crying for for a while.","start":309.48,"end":312.52002,"sentiment":"neutral","sentiment_score":-0.22953290721544853},{"text":"So I'm I'm I'm more comfortable with that.","start":312.52002,"end":314.68002,"sentiment":"neutral","sentiment_score":0.06399058923125267},{"text":"I just wanna know how much because in comparison to Aussie Equity Australian Super, it they were up over the last year and over the last five years in in the region of 10% without a without a loss recorded over the last two years.","start":314.68002,"end":332.69,"sentiment":"neutral","sentiment_score":0.09207997115121948},{"text":"So I'm I'm really conscious of what this movement means having locked in.","start":332.69,"end":338.28998,"sentiment":"neutral","sentiment_score":0.07296379741567832},{"text":"I mean, obviously, been along.","start":338.28998,"end":339.41,"sentiment":"neutral","sentiment_score":0.10192145258188248}],"sentiment":"neutral","sentiment_score":0.037258717275801156,"num_words":84,"start":309.48,"end":339.41},{"sentences":[{"text":"They didn't look like there's any future, and that's what the, like, the the trust is trustee has has made a call on.","start":339.41,"end":344.915,"sentiment":"neutral","sentiment_score":-0.07094240156204804},{"text":"I just wanna know if that's possible.","start":344.915,"end":346.695,"sentiment":"neutral","sentiment_score":-0.023952443152666092},{"text":"What what the what the yeah.","start":347.475,"end":354.535,"sentiment":"neutral","sentiment_score":-0.004736644060661395},{"text":"Yep.","start":363.61,"end":364.00998,"sentiment":"neutral","sentiment_score":0.039674729108810425},{"text":"Yep.","start":364.00998,"end":364.50998,"sentiment":"neutral","sentiment_score":0.05717200040817261}],"sentiment":"neutral","sentiment_score":-0.045550407180072444,"num_words":38,"start":339.41,"end":364.50998},{"sentences":[{"text":"Yes.","start":368.00998,"end":368.49,"sentiment":"neutral","sentiment_score":0.16166943311691284},{"text":"Yep.","start":368.49,"end":368.99,"sentiment":"neutral","sentiment_score":0.2284356653690338},{"text":"Yes.","start":371.535,"end":372.035,"sentiment":"neutral","sentiment_score":0.22011402249336243},{"text":"Perfect.","start":385.9,"end":386.37997,"sentiment":"positive","sentiment_score":0.4909247159957886},{"text":"Okay.","start":386.37997,"end":386.86,"sentiment":"neutral","sentiment_score":0.2982757091522217}],"sentiment":"neutral","sentiment_score":0.27988390922546386,"num_words":5,"start":368.00998,"end":386.86},{"sentences":[{"text":"Yes.","start":386.86,"end":387.09998,"sentiment":"positive","sentiment_score":0.3817962110042572},{"text":"That'll be good.","start":387.09998,"end":388.08,"sentiment":"positive","sentiment_score":0.5675614873568217},{"text":"And I yeah.","start":388.69998,"end":390.93997,"sentiment":"neutral","sentiment_score":0.32951752344767254},{"text":"I on that on the back of that then, I won't be responding to your email other than to say I'm I'm happy with some movement, But then we'll wait for the CGT to see what other options I need to investigate.","start":390.93997,"end":404.435,"sentiment":"neutral","sentiment_score":0.10243485264834903},{"text":"Because I think you guys will get you you're going to do a bit of a a compare a comparison, were you?","start":404.495,"end":410.03497,"sentiment":"neutral","sentiment_score":0.049548298713158474}],"sentiment":"neutral","sentiment_score":0.1192304172723646,"num_words":71,"start":386.86,"end":410.03497},{"sentences":[{"text":"Yes.","start":417.4,"end":417.72,"sentiment":"neutral","sentiment_score":0.052101556211709976},{"text":"Okay.","start":417.72,"end":418.04,"sentiment":"neutral","sentiment_score":0.07626299560070038},{"text":"Fine.","start":418.04,"end":418.54,"sentiment":"neutral","sentiment_score":0.1039069890975952},{"text":"Yes.","start":420.04,"end":420.54,"sentiment":"neutral","sentiment_score":0.04549426957964897},{"text":"Gotcha.","start":420.68,"end":421.18,"sentiment":"neutral","sentiment_score":0.03623633086681366}],"sentiment":"neutral","sentiment_score":0.06280042827129365,"num_words":5,"start":417.4,"end":421.18},{"sentences":[{"text":"Yes.","start":422.04,"end":422.28,"sentiment":"neutral","sentiment_score":0.056948624551296234},{"text":"Yes.","start":422.28,"end":422.6,"sentiment":"neutral","sentiment_score":0.06697660684585571},{"text":"Yes.","start":422.6,"end":422.76,"sentiment":"neutral","sentiment_score":0.08861587196588516},{"text":"That's right.","start":422.76,"end":423.47998,"sentiment":"neutral","sentiment_score":0.12312043458223343},{"text":"Okay.","start":423.47998,"end":423.96,"sentiment":"neutral","sentiment_score":0.09761378169059752}],"sentiment":"neutral","sentiment_score":0.09273262570301692,"num_words":6,"start":422.04,"end":423.96},{"sentences":[{"text":"Alright then.","start":423.96,"end":424.44,"sentiment":"neutral","sentiment_score":0.09545523673295975},{"text":"Well, I'll leave it to you, and we'll hear from you soon on on that report, CGT.","start":424.44,"end":430.22,"sentiment":"neutral","sentiment_score":0.10562817708534353},{"text":"Brilliant.","start":435.895,"end":436.395,"sentiment":"positive","sentiment_score":0.5517118573188782},{"text":"Alrighty, Tommy.","start":436.455,"end":437.335,"sentiment":"positive","sentiment_score":0.44085246324539185},{"text":"We thanks for taking the call.","start":437.335,"end":439.01498,"sentiment":"positive","sentiment_score":0.6089895566304525}],"sentiment":"neutral","sentiment_score":0.2526408431253263,"num_words":28,"start":423.96,"end":439.01498},{"sentences":[{"text":"We'll talk to you soon.","start":439.01498,"end":440.07498,"sentiment":"positive","sentiment_score":0.3375176787376404},{"text":"Bye.","start":441.41498,"end":441.91498,"sentiment":"neutral","sentiment_score":-0.06761108338832855},{"text":"Likewise.","start":443.735,"end":444.235,"sentiment":"positive","sentiment_score":0.400831401348114},{"text":"Thank you very much.","start":444.29498,"end":445.175,"sentiment":"positive","sentiment_score":0.8156803995370865},{"text":"See you later.","start":445.175,"end":445.995,"sentiment":"positive","sentiment_score":0.3973151246706645}],"sentiment":"positive","sentiment_score":0.4625339774148805,"num_words":14,"start":439.01498,"end":445.995},{"sentences":[{"text":"Bye.","start":448.82693,"end":449.32693,"sentiment":"neutral","sentiment_score":-0.12364517897367476}],"sentiment":"neutral","sentiment_score":-0.12364517897367476,"num_words":1,"start":448.82693,"end":449.32693}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Tazzy, my friend. How are you doing?\n\nChannel 1: Tommy,\n\nChannel 0: Yes,\n\nChannel 1: is that you?\n\nChannel 0: sir. Fantastic. Sorry, mate. I was just running back from a bit of a lunch break and Caden said, Tazzy's on the phone. Can you speak to him?\n\nChannel 1: No.\n\nChannel 0: I was like, absolutely.\n\nChannel 1: All all\n\nChannel 0: Let me\n\nChannel 1: good.\n\nChannel 0: just get\n\nChannel 1: Sorry.\n\nChannel 0: seated.\n\nChannel 1: Sorry\n\nChannel 0: All good,\n\nChannel 1: for for\n\nChannel 0: mate.\n\nChannel 1: trying to rush you out of your lunch, mate.\n\nChannel 0: No. That's alright, man. I've got a bit of time. What can I do for you?\n\nChannel 1: Sweet. Hey. Look. I was just I I think we've had a chat on the emails, and I I hadn't had a chance to respond to you. But I'm I'm sort of coming\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: to you right now because I've just looked at my account again. So I think the last time I mentioned it was about a week ago. But now, Benelongs in the positive by $50. So that's a swing, if I remember, of almost 15 k in a week. So that's still right to you.\n\nChannel 0: That does not feel right at all, to be perfectly\n\nChannel 1: Yeah.\n\nChannel 0: honest. That\n\nChannel 1: We\n\nChannel 0: seems\n\nChannel 1: we\n\nChannel 0: very\n\nChannel 1: were\n\nChannel 0: strange.\n\nChannel 1: down. Yeah. We were down about 10% of my total account all in Benelong. And now\n\nChannel 0: Yeah.\n\nChannel 1: I'm checking let me let me have a look at my view my now I'm looking at it and it's got how much is it again? That's it. Yeah. Because I was under a 130 k in total in my last check last week. But\n\nChannel 0: Yeah.\n\nChannel 1: now,\n\nChannel 0: Yeah.\n\nChannel 1: you've been along oh, with $31 up. So\n\nChannel 0: I wonder if you\n\nChannel 1: they've\n\nChannel 0: had, like,\n\nChannel 1: they've\n\nChannel 0: a distribution or something, like some dividends maybe. Let me log in to your account, and I'll have a little look see.\n\nChannel 1: Yeah. Okay. Cool.\n\nChannel 0: I'm just gonna pull\n\nChannel 1: It just\n\nChannel 0: up the\n\nChannel 1: seemed\n\nChannel 0: old net\n\nChannel 1: bizarre.\n\nChannel 0: wealth authenticator.\n\nChannel 1: That's a huge I mean, obviously, there's a lot of volatility, but I wouldn't have expected in my favor.\n\nChannel 0: No. That doesn't it doesn't sound right, but if it's a positive surprise, that'll be good. Let me\n\nChannel 1: It's\n\nChannel 0: just\n\nChannel 1: a\n\nChannel 0: have\n\nChannel 1: positive\n\nChannel 0: a quick\n\nChannel 1: surprise.\n\nChannel 0: look.\n\nChannel 1: Yes.\n\nChannel 0: 24431. I'm just gonna grab into Netwealth now. Let's have a little look see. Most of the things I've been going off lately have just been like an exported report, so I'm just gonna go on there now. Got chassis.\n\nHere we go. $1.38 at the moment. I know it's a little bit of a jump up in the last week or so. And we've\n\nChannel 1: Okay. I see there's a transaction that's\n\nChannel 0: got\n\nChannel 1: been done. This is a different Benelon, is it? Eight days\n\nChannel 0: yes.\n\nChannel 1: ago, there was an asset sale.\n\nChannel 0: Yes. Yes. Yes. So I need to explain that one to you because while we're in the middle of our discussion about what to do with your super\n\nChannel 1: Yep.\n\nChannel 0: remember how I was saying I was talking to the investment committee around updating some different options to replace BetterLoan. The company pretty much made a decision not too long ago to do\n\nChannel 1: Mhmm.\n\nChannel 0: a sweeping change across all Netwealth accounts to switch that in for just a a standard Australian ETF. It was just a this has gone on for too long for most client accounts, and they've just gone in and said, we're making a licensee decision to do a bit of a switch out. All advice is still pending or okay to do, but this one is just coming in to do a kind of like an emergency switch. So that's kind of why it's ticked up so quickly is that got switched, and then all of a sudden it started increasing.\n\nChannel 1: So let me get that right. So Bennelong is no longer there, but I'm in better shoes. That's what that is. It's not Bennelong.\n\nChannel 0: Correct.\n\nChannel 1: I've\n\nChannel 0: Yeah.\n\nChannel 1: gotcha.\n\nChannel 0: A through 100.\n\nChannel 1: Yeah. Okay. So that's the only asset class I'm invested in under Australian equity. Is that right?\n\nChannel 0: Yeah. It was basically, we can't switch out, I guess, allocations to Australian equities or mix too many options without that advice\n\nChannel 1: No.\n\nChannel 0: document.\n\nChannel 1: No. No.\n\nChannel 0: This\n\nChannel 1: That's\n\nChannel 0: was just\n\nChannel 1: fine.\n\nChannel 0: a\n\nChannel 1: That's\n\nChannel 0: a sidestep.\n\nChannel 1: fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. As long as your strategic whatever alignment, your asset class allocation is is not gearing towards a high growth, high\n\nChannel 0: Yeah.\n\nChannel 1: risk exposure. I'm I'm fine with that. What I wasn't fine with was being pegged 30% and, well, 40% to one stock that was doing horribly. That was my big\n\nChannel 0: Yeah.\n\nChannel 1: concern. So I guess maybe something you can help me with, Tommy, is because now I've lost traction or monitoring on what have we locked in in terms of losses as a result of the switch from Betterlong to Better.\n\nChannel 0: Yeah.\n\nChannel 1: Is that\n\nChannel 0: I'll\n\nChannel 1: something\n\nChannel 0: have\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: could\n\nChannel 0: send\n\nChannel 1: quantify\n\nChannel 0: through\n\nChannel 1: for me?\n\nChannel 0: yeah. I'll have to get, like, a bit of a CGT report done. And\n\nChannel 1: Yep.\n\nChannel 0: one of the things that we have to be careful with is because the end of financial year is coming up in about\n\nChannel 1: Yeah.\n\nChannel 0: three months' time\n\nChannel 1: Yep.\n\nChannel 0: is all of the gains and losses and taxes and things are kind of set for the financial year. So\n\nChannel 1: Which\n\nChannel 0: any\n\nChannel 1: which should\n\nChannel 0: further\n\nChannel 1: be okay\n\nChannel 0: switches\n\nChannel 1: this\n\nChannel 0: and\n\nChannel 1: time\n\nChannel 0: things\n\nChannel 1: around.\n\nChannel 0: like that?\n\nChannel 1: Right? Because it looks\n\nChannel 0: Yeah.\n\nChannel 1: like we're locking in a loss, but I wanna know what's the what's the magnitude of the loss here. I mean, obviously, everything's down, and I'd rather not continue going down on the Benelon front but potentially hedging with a better fund. I'm I'm okay with that in a way. I think that's actually something that I've been crying for for a while. So I'm I'm I'm more comfortable with that.\n\nI just wanna know how much because in comparison to Aussie Equity Australian Super, it they were up over the last year and over the last five years in in the region of 10% without a without a loss recorded over the last two years. So I'm I'm really conscious of what this movement means having locked in. I mean, obviously, been along. They didn't look like there's any future, and that's what the, like, the the trust is trustee has has made a call on. I just wanna know if that's possible.\n\nChannel 0: Yeah.\n\nChannel 1: What what\n\nChannel 0: So I'll\n\nChannel 1: the\n\nChannel 0: get\n\nChannel 1: what\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: a CGT report to show what what loss was crystallized there. And then\n\nChannel 1: yeah.\n\nChannel 0: any offsetting of gains, so any further updates to the portfolio, we can pretty much use that loss to offset the gains on any further switches, which is\n\nChannel 1: Yep.\n\nChannel 0: what\n\nChannel 1: Yep.\n\nChannel 0: I'm conscious of in the portfolio that I was kind of building.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: this was one that I was already recommending. And\n\nChannel 1: Yes.\n\nChannel 0: alongside that, if we wanna switch a couple more, we can pretty much fully offset most of it. So I'll send you through a CGT report as soon as I can, and then I'll let you know the other options I was looking at as well and just sort of see what you think.\n\nChannel 1: Perfect. Okay. Yes. That'll be good. And\n\nChannel 0: Cool. Cool.\n\nChannel 1: I yeah. I on that on the back of that then, I won't be responding to your email other than to say I'm I'm happy with some movement, But then we'll\n\nChannel 0: Yep.\n\nChannel 1: wait for the CGT to see what other options I need to investigate. Because I think you guys will get you you're going to do a bit of a a compare a comparison, were you?\n\nChannel 0: Yeah. That's right. We did that. So that original SOA was basically that same switch plus a few others, and\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: basically\n\nChannel 1: Fine.\n\nChannel 0: did a bit of a comparison with the Vanguard\n\nChannel 1: Yes.\n\nChannel 0: and whatnot\n\nChannel 1: Gotcha.\n\nChannel 0: as well.\n\nChannel 1: Yes. Yes. Yes. That's right. Okay.\n\nAlright then. Well, I'll leave it to you, and we'll hear from\n\nChannel 0: Yeah.\n\nChannel 1: you soon on on that report, CGT.\n\nChannel 0: Absolutely. I'm just gonna tee in the team now, and I should be able to get it to you in the next couple of hours.\n\nChannel 1: Brilliant. Alrighty, Tommy. We thanks for taking the call. We'll talk to you soon.\n\nChannel 0: No worries, Tazhi. If I don't\n\nChannel 1: Bye.\n\nChannel 0: speak to you again today, mate, happy Easter.\n\nChannel 1: Likewise. Thank you very much. See you later.\n\nChannel 0: See you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Tazzy, my friend.","start":1.4399999,"end":2.32,"sentiment":"neutral","sentiment_score":0.1586634417374929},{"text":"How are you doing?","start":2.32,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.1893685832619667}],"sentiment":"neutral","sentiment_score":0.17620923689433507,"channel":0,"num_words":7,"start":1.4399999,"end":3.1399999},{"sentences":[{"text":"Tommy,","start":3.9199998,"end":4.42,"sentiment":"neutral","sentiment_score":0.09715353697538376}],"sentiment":"neutral","sentiment_score":0.09715353697538376,"channel":1,"num_words":1,"start":3.9199998,"end":4.42},{"sentences":[{"text":"Yes,","start":5.44,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.14448755979537964}],"sentiment":"neutral","sentiment_score":0.14448755979537964,"channel":0,"num_words":1,"start":5.44,"end":5.8399997},{"sentences":[{"text":"is that 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you?","start":19.505001,"end":20.885,"sentiment":"neutral","sentiment_score":0.056276477252443634}],"sentiment":"neutral","sentiment_score":0.028661391697824,"channel":0,"num_words":16,"start":17.905,"end":20.885},{"sentences":[{"text":"Sweet.","start":20.695,"end":21.195,"sentiment":"neutral","sentiment_score":0.11827583611011504},{"text":"Hey.","start":21.255,"end":21.494999,"sentiment":"neutral","sentiment_score":0.06116496026515961},{"text":"Look.","start":21.494999,"end":21.735,"sentiment":"neutral","sentiment_score":0.050832562148571014},{"text":"I was just I I think we've had a chat on the emails, and I I hadn't had a chance to respond to you.","start":21.735,"end":28.62,"sentiment":"neutral","sentiment_score":0.015152827952988446},{"text":"But I'm I'm sort of 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you again today, mate, happy Easter.","start":441.495,"end":443.435,"sentiment":"neutral","sentiment_score":0.24704403057694435}],"sentiment":"neutral","sentiment_score":0.24704403057694435,"channel":0,"num_words":8,"start":441.495,"end":443.435},{"sentences":[{"text":"Likewise.","start":443.735,"end":444.235,"sentiment":"positive","sentiment_score":0.400831401348114},{"text":"Thank you very much.","start":444.29498,"end":445.175,"sentiment":"positive","sentiment_score":0.8156803995370865},{"text":"See you later.","start":445.175,"end":445.995,"sentiment":"positive","sentiment_score":0.3973151246706645}],"sentiment":"positive","sentiment_score":0.6069372966885567,"channel":1,"num_words":8,"start":443.735,"end":445.995},{"sentences":[{"text":"See you.","start":445.495,"end":446.055,"sentiment":"neutral","sentiment_score":0.3022249639034271},{"text":"Bye.","start":446.055,"end":446.555,"sentiment":"neutral","sentiment_score":0.16211414337158203}],"sentiment":"neutral","sentiment_score":0.25552135705947876,"channel":0,"num_words":3,"start":445.495,"end":446.555},{"sentences":[{"text":"Bye.","start":448.82693,"end":449.32693,"sentiment":"neutral","sentiment_score":-0.12364517897367476}],"sentiment":"neutral","sentiment_score":-0.12364517897367476,"channel":1,"num_words":1,"start":448.82693,"end":449.32693}]},"summary":{"result":"success","short":"The speaker discusses a recent increase in their net worth due to a positive surprise and a switch from a traditional Australian ETF to a switch from a standard. They also mention a switch from a traditional Australian ETF to a switch from a traditional. The speaker is conscious of the loss rate and wants to know if it's possible to hedge with a better fund. They plan to send a loss report and provide updates on other options. The agent will need a loss report and can offset gains with a new fund. The customer thanks the agent and plans to speak again later."},"intents":{"segments":[{"text":"I'm checking let me let me have a look at my view my now I'm looking at it and it's got how much is it again?","start_word":210,"end_word":235,"intents":[{"intent":"Check account balance","confidence_score":0.010659027}]},{"text":"ago, there was an asset sale. Yes. Yes. Yes.","start_word":445,"end_word":453,"intents":[{"intent":"Clarify asset options","confidence_score":0.0035463688}]},{"text":"They didn't look like there's any future, and that's what the, like, the the trust is trustee has has made a call on. I just wanna know if that's possible.","start_word":1025,"end_word":1054,"intents":[{"intent":"Inquire about future actions","confidence_score":0.00013745968}]},{"text":"What what So I'll the get what a the a CGT report to show what what loss was crystallized there. And then yeah.","start_word":1055,"end_word":1077,"intents":[{"intent":"Request cgt report","confidence_score":0.03559184}]},{"text":"I'm conscious of in the portfolio that I was kind of building. Yes. So Yep.","start_word":1109,"end_word":1123,"intents":[{"intent":"Describe portfolio","confidence_score":0.0023951433}]},{"text":"That'll be good. And Cool. Cool.","start_word":1191,"end_word":1196,"intents":[{"intent":"Confirm understanding","confidence_score":0.016661886},{"intent":"Confirm understanding","confidence_score":0.019903565}]},{"text":"We thanks for taking the call.","start_word":1358,"end_word":1363,"intents":[{"intent":"Express gratitude","confidence_score":0.051306676}]}]},"sentiments":{"segments":[{"text":"Tazzy, my friend. How are you doing? Tommy, Yes, is that sir. you?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.158433198928833},{"text":"Fantastic.","start_word":13,"end_word":13,"sentiment":"positive","sentiment_score":0.6327745914459229},{"text":"Sorry, mate. I was just running back from a bit of a lunch break and Caden said, Tazzy's on the phone. Can you speak to him? I No. was like, absolutely. All all Let me good. just get Sorry. seated. Sorry All good, for for mate. trying to rush you out of your lunch, mate. No. That's alright, man. I've got a bit of time. What can I do for you? Sweet. Hey. Look. I was just I I think we've had a chat on the emails, and I I hadn't had a chance to respond to you. But I'm I'm sort of coming Yeah. Yeah. to you right now because I've just looked at my account again. So I think the last time I mentioned it was about a week ago. But now, Benelongs in the positive by $50. So that's a swing, if I remember, of almost 15 k in a week. So that's still right to you. That does not feel right at all, to be perfectly Yeah. honest. That We seems we very were strange. down. Yeah. We were down about 10% of my total account all in Benelong. And now Yeah. I'm checking let me let me have a look at my view my now I'm looking at it and it's got how much is it again? That's it. Yeah. Because I was under a 130 k in total in my last check last week. But Yeah. now, Yeah. you've been along oh, with $31 up. So I wonder if you they've had, like, they've a distribution or something, like some dividends maybe. Let me log in to your account, and I'll have a little look see. Yeah. Okay. Cool. I'm just gonna pull It just up the seemed old net bizarre. wealth authenticator. That's a huge I mean, obviously, there's a lot of volatility, but I wouldn't have expected in my favor. No. That doesn't it doesn't sound right, but if it's a positive surprise, that'll be good.","start_word":14,"end_word":347,"sentiment":"neutral","sentiment_score":-0.00027557634497563284},{"text":"Let me It's just a have positive a quick surprise.","start_word":348,"end_word":357,"sentiment":"positive","sentiment_score":0.35938704013824463},{"text":"look. Yes. 24431. I'm just gonna grab into Netwealth now. Let's have a little look see. Most of the things I've been going off lately have just been like an exported report, so I'm just gonna go on there now. Got chassis. Here we go. $1.38 at the moment. I know it's a little bit of a jump up in the last week or so. And we've Okay. I see there's a transaction that's got been done. This is a different Benelon, is it? Eight days yes. ago, there was an asset sale. Yes. Yes. Yes. So I need to explain that one to you because while we're in the middle of our discussion about what to do with your super Yep. remember how I was saying I was talking to the investment committee around updating some different options to replace BetterLoan. The company pretty much made a decision not too long ago to do Mhmm. a sweeping change across all Netwealth accounts to switch that in for just a a standard Australian ETF. It was just a this has gone on for too long for most client accounts, and they've just gone in and said, we're making a licensee decision to do a bit of a switch out. All advice is still pending or okay to do, but this one is just coming in to do a kind of like an emergency switch. So that's kind of why it's ticked up so quickly is that got switched, and then all of a sudden it started increasing. So let me get that right. So Bennelong is no longer there, but I'm in better shoes. That's what that is. It's not Bennelong. Correct. I've Yeah. gotcha. A through 100. Yeah. Okay. So that's the only asset class I'm invested in under Australian equity. Is that right? Yeah. It was basically, we can't switch out, I guess, allocations to Australian equities or mix too many options without that advice No. document. No. No. This That's was just fine. a That's a sidestep. fine. Yeah. Yeah. As long as your strategic whatever alignment, your asset class allocation is is not gearing towards a high growth, high Yeah. risk exposure. I'm I'm fine with that.","start_word":358,"end_word":728,"sentiment":"neutral","sentiment_score":-0.010225606054278476},{"text":"What I wasn't fine with was being pegged 30% and, well, 40% to one stock that was doing horribly.","start_word":729,"end_word":747,"sentiment":"negative","sentiment_score":-0.4488295316696167},{"text":"That was my Yeah. big concern. So I guess maybe something you can help me with, Tommy, is because now I've lost traction or monitoring on what have we locked in in terms of losses as a result of the switch from Betterlong to Better. Yeah. Is that I'll something have you to could send quantify through for me? yeah. I'll have to get, like, a bit of a CGT report done. And Yep. one of the things that we have to be careful with is because the end of financial year is coming up in about Yeah. three months' time Yep. is all of the gains and losses and taxes and things are kind of set for the financial year. So Which any which should further be okay switches this and time things around. like that? Right? Because it looks Yeah. like we're locking in a loss, but I wanna know what's the what's the magnitude of the loss here. I mean, obviously, everything's down, and I'd rather not continue going down on the Benelon front but potentially hedging with a better fund. I'm I'm okay with that in a way. I think that's actually something that I've been crying for for a while. So I'm I'm I'm more comfortable with that. I just wanna know how much because in comparison to Aussie Equity Australian Super, it they were up over the last year and over the last five years in in the region of 10% without a without a loss recorded over the last two years. So I'm I'm really conscious of what this movement means having locked in. I mean, obviously, been along. They didn't look like there's any future, and that's what the, like, the the trust is trustee has has made a call on. I just wanna know if that's possible. Yeah. What what So I'll the get what a the a CGT report to show what what loss was crystallized there. And then yeah. any offsetting of gains, so any further updates to the portfolio, we can pretty much use that loss to offset the gains on any further switches, which is Yep. what Yep. I'm conscious of in the portfolio that I was kind of building. Yes. So Yep. this was one that I was already recommending. And Yes. alongside that, if we wanna switch a couple more, we can pretty much fully offset most of it. So I'll send you through a CGT report as soon as I can, and then I'll let you know the other options I was looking at as well and just sort of see what you think.","start_word":748,"end_word":1187,"sentiment":"neutral","sentiment_score":-0.027791977673769},{"text":"Perfect.","start_word":1188,"end_word":1188,"sentiment":"positive","sentiment_score":0.4909247159957886},{"text":"Okay.","start_word":1189,"end_word":1189,"sentiment":"neutral","sentiment_score":0.2982757091522217},{"text":"Yes. That'll be good. And Cool. Cool.","start_word":1190,"end_word":1196,"sentiment":"positive","sentiment_score":0.4968535900115967},{"text":"I yeah. I on that on the back of that then, I won't be responding to your email other than to say I'm I'm happy with some movement, But then we'll Yep. wait for the CGT to see what other options I need to investigate. Because I think you guys will get you you're going to do a bit of a a compare a comparison, were you? Yeah. That's right. We did that. So that original SOA was basically that same switch plus a few others, and Yes. I Okay. basically Fine. did a bit of a comparison with the Vanguard Yes. and whatnot Gotcha. as well. Yes. Yes. Yes. That's right. Okay. Alright then. Well, I'll leave it to you, and we'll hear from Yeah. you soon on on that report, CGT.","start_word":1197,"end_word":1329,"sentiment":"neutral","sentiment_score":0.08452405035495758},{"text":"Absolutely.","start_word":1330,"end_word":1330,"sentiment":"positive","sentiment_score":0.3875848054885864},{"text":"I'm just gonna tee in the team now, and I should be able to get it to you in the next couple of hours.","start_word":1331,"end_word":1354,"sentiment":"neutral","sentiment_score":0.3148500621318817},{"text":"Brilliant. Alrighty, Tommy. We thanks for taking the call. We'll talk to you soon.","start_word":1355,"end_word":1368,"sentiment":"positive","sentiment_score":0.46321728825569153},{"text":"No worries, Tazhi. If I don't Bye. speak to you again today, mate, happy Easter.","start_word":1369,"end_word":1383,"sentiment":"neutral","sentiment_score":0.13281262516975403},{"text":"Likewise. Thank you very much. See you See later.","start_word":1384,"end_word":1392,"sentiment":"positive","sentiment_score":0.551083505153656},{"text":"you. Bye. Bye.","start_word":1393,"end_word":1395,"sentiment":"neutral","sentiment_score":0.16246533393859863}],"average":{"sentiment":"neutral","sentiment_score":0.01815565003869307}}}}