{"metadata":{"transaction_key":"deprecated","request_id":"587e457d-f190-41d5-8a73-ad85989b2080","sha256":"e4aa8d6494307253ea0e50d36c0de43bcb0da6284cb081e19328e70c8d3fb7c3","created":"2026-03-17T22:16:19.549Z","duration":782.7119,"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":2719,"output_tokens":86},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2944,"output_tokens":2950},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":2944,"output_tokens":329}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning. Is this Lawrence? This is Veronica from iQ Financial. How are you this morning? Yeah. I'm well. Thanks. I had you booked in for just a quick catch up, really. Is now still a good time for you? Yep. Mhmm. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. How's your morning been so far? Been busy or just kind of getting started? Okay. Well, I will try not to keep you for too long. Essentially, I do have you booked in because you had your annual review with my colleague, Samantha. And following the annual review, you wanted to talk a little bit more about your performance in your portfolio. Is that correct? Yep. Perfect. So after the call today, you will receive an annual review pack as well. That's the documents that kind of you went through during the annual review with Samantha. Part of that will also have that portfolio performance reports that you went through with Samantha as well. So that kind of gives you a more oversight of of everything. So when you have a moment, have a read through that one for me. Any questions, let me know. If not, we'll just need you to sign those documents and return it when you have a moment. But perfect. Now, essentially, with your portfolio, though, I just pulled a new report today this morning showing the last twelve months, how your portfolio has performed, and what kind of happened. So in the last twelve months, now this is after fees as well, your portfolio has still gone up by 8.06%, which is actually pretty good given everything that's going on in the world. Obviously, everything in the last twelve months has been a bit of turbulence and stuff. So despite all of that, your portfolio as an as a whole have done pretty good. Now most of your investments have done really well, which you will see in the performance reports that you do receive later today as well. But there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity. Was that the one that you were kind of looking at a little bit? Yeah. Sorry. The Benelon Australian Equity, it is a little bit different to some of your other investments in that it is a managed fund. Are you quite familiar with the different types and styles of investment? Not too familiar. So, essentially, you have for simplicity, you have direct shares, app managed funds, and ETFs. So direct shares is if you wanna invest, let's say, directly in BHP, that is a direct share. You invest directly into one particular company. Now in your portfolio, we don't have any direct shares for you. It's all ETFs, and you have two managed funds. Obviously, that means that it is a lot more diversified for you and is not putting all your money into one basket. So if something were to happen, it's not like if something were to happen to one company, it's not going to make as much of a difference because you're not concentrated into one area. You then have your ETF, so you exchange traded funds. So that is what most of your investments are, and these are kind of just tracking an index. So for example, one of your biggest shareholding is the iShares S and P five hundred. So in that one single investment, the way that it works is that it tracks the 500 largest companies listed in The US. So, obviously, very diversified. And as a company gets bigger and grow, you'll get added to the list. If it gets smaller, it gets out. So you're kind of just kind of steady tracking that index, which is which is a really good way and a kind of a low cost investment option. You then have your managed funds. So that is where the Benelon comes into play. Now the purpose of that is that they you have an active manager, so they're a little bit more of that active approach. They are trying to outperform the market. So that was the function of why the Benelon was added to your portfolio when you came on board. And at that time, and up until pretty recently, it had done really well. It kind of had continued to outperform, and it was doing really well. However, recently, they have underperformed. There's been a couple of contributing factors. Some of it as well is some of their convictions in what they believe just hasn't played out as well. And then, also, one of their companies that they had in their portfolio was the corporate travel group. You may have heard of that or seen on the news that that one company had a bit of issues with their reporting, which actually meant that they were suspended from trading, which meant that everything all the prices and everything fell. So that's kind of been one of the reasons for the Benelon. And we've done a lot of research on the investment as well, and we do think that it's better to sell out of it and swap it for another option if you are happy to do so. Yep. Perfect. Now the option that we have researched that we believe are going to be a lot better moving forward is just your beta shares a 200. So with the portfolio as well, we do wanna stay within the same, you know, philosophy. We wanna stay within the same risk profile and everything. And if we are then selling out of the Sten Along Australian equities, which is focusing on your Australian investment, we do wanna swap it with another Australian investment to, again, make sure that your whole portfolio as a whole is very diverse. But so the a 200, instead of your Bendelon kind of actively trying to find good investment, the a two hundred tracks the 200 largest companies in Australia. So the function of that one is that it is cheaper than your Benelung one, and it has also outperformed the Benelung as well. So if you are happy for us to do so, what I will do is I will go ahead and make the change, swapping Ben along for the $8,200. Now what I will do is I will send you an email just for your records. You don't need to sign it, but it's just to show you the change so that you have it on record as well so that you know that we've made the change. And you will also see that change in your hub 24. If you are going in and checking every now and then, you will also see that change happening in the next couple of days. Yep. Yep. You're happy with all that? That makes sense? Yeah. Perfect. Now is there any other questions or concerns with the portfolio or anything else that you kind of wanna discuss today? Yep. So you don't have to worry too much about that. It's just a notification when the balance does get a little bit low. We have auto invest on your account as well. So sometimes it is when you have contributions going into the account, it gets auto invested every month. And just as it gets invested, the cash can be a little bit low, but then contributions come in, and it kind of rebalances everything for you. Yeah. Yeah. Perfect. Now while I do have you on the phone as well, I did have a look at your beneficiary forms that you have on hub twenty four, and I do wanna just, triple check them with you. So I do have here that you have 40% to Cecilia, 30% to my, and 30% to Vincent. My, m y? Oh, yeah. It says my, and I was like, oh, just m y. That's all. Is that meant to be Ivy? Yeah. Yeah. No. That's okay. Now it says here that the type of nomination you have selected is an interdependent relationship. So what are their relationship to you? Family members? And are either of them financially dependent on you? Do you live with them? No. No. So, basically, to make a direct nomination with through superannuation, they do make it quite strict on who you can actually nominate directly. The only people that you can nominate straight through superannuation is either a spouse, a child, or someone that has a financial dependent or interdependent relationship, which means that you do have to live together and financially rely on you at the time of your passing. So if, yeah, so if your the people that you have nominated do not fall into this category, we can change it. So you can still give it to them. That is no problem at all. We would just have to change the word age structure. So what we would have to do is we have to change it. So on the form, you would choose a legal personal representative at a 100%. What that means is that it reverts back to a will. Then in the will, you can stipulate that you want it to go to whoever you want. That can be family member. It can be a friend. It can be anyone. So that's how you can kind of go around it. But if they don't meet any of those other criterias, if something were to happen to you, the trustee of Hub twenty four would just deem that it's not a valid nomination if they don't meet those strict criteria. Yeah. So what I can do is do you have access to a printer, or do you prefer things to be posted to you? Print yeah. So what I can do is I can get the team to email you the forms again. I'll include a cover letter as well for you, and then if you can print it off completed. Now you can change it to that legal personal representative. It just means that do you have a will at the moment? No? Okay. So I do recommend to get a will sorted, and then in the will, you can stipulate that you want it to go through Cecilia, Ivy, and Vincent or whoever you want to as well. You can obviously go through the lawyer, which is the most comprehensive way of doing it. But if you don't want to do that, because, obviously, it will cost a little bit more, you can even just get, like, little kits from the post office, which is a lot cheaper. The only thing with that is just making sure you read instructions and complete it correctly. So if something were to happen, it does held up in court. Yep. So I will get the team to email you those forms again so that we can get it updated. So if something ever were to happen to you, it will go to who you want to. Yep. Perfect. If you do have any questions when you get the form and you're not sure, you can always just give me a call. Yep. Perfect. Otherwise, I'll get the team to email those to you, and then also keep a lookout for that rep of of advice to show you the investment change of moving out of Bennelong and swapping for that $8,200. But, otherwise, before I let you go, do you have any other questions or concerns for me at this point? No? Okay. Perfect. If you do, you know, you can always just give me a call or or send me an email, and we can always book you in for another catch. Yep. Perfect. Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day. Thanks. 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morning. Is this Lawrence? This is Veronica from iQ Financial. How are you this morning? Yeah.\n\nI'm well. Thanks. I had you booked in for just a quick catch up, really. Is now still a good time for you? Yep.\n\nMhmm. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nYep. Perfect. That's exactly what I have here. How's your morning been so far? Been busy or just kind of getting started?\n\nOkay. Well, I will try not to keep you for too long. Essentially, I do have you booked in because you had your annual review with my colleague, Samantha. And following the annual review, you wanted to talk a little bit more about your performance in your portfolio. Is that correct?\n\nYep. Perfect. So after the call today, you will receive an annual review pack as well. That's the documents that kind of you went through during the annual review with Samantha. Part of that will also have that portfolio performance reports that you went through with Samantha as well.\n\nSo that kind of gives you a more oversight of of everything. So when you have a moment, have a read through that one for me. Any questions, let me know. If not, we'll just need you to sign those documents and return it when you have a moment. But perfect.\n\nNow, essentially, with your portfolio, though, I just pulled a new report today this morning showing the last twelve months, how your portfolio has performed, and what kind of happened. So in the last twelve months, now this is after fees as well, your portfolio has still gone up by 8.06%, which is actually pretty good given everything that's going on in the world. Obviously, everything in the last twelve months has been a bit of turbulence and stuff. So despite all of that, your portfolio as an as a whole have done pretty good. Now most of your investments have done really well, which you will see in the performance reports that you do receive later today as well.\n\nBut there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity. Was that the one that you were kind of looking at a little bit? Yeah. Sorry. The Benelon Australian Equity, it is a little bit different to some of your other investments in that it is a managed fund.\n\nAre you quite familiar with the different types and styles of investment? Not too familiar. So, essentially, you have for simplicity, you have direct shares, app managed funds, and ETFs. So direct shares is if you wanna invest, let's say, directly in BHP, that is a direct share. You invest directly into one particular company.\n\nNow in your portfolio, we don't have any direct shares for you. It's all ETFs, and you have two managed funds. Obviously, that means that it is a lot more diversified for you and is not putting all your money into one basket. So if something were to happen, it's not like if something were to happen to one company, it's not going to make as much of a difference because you're not concentrated into one area. You then have your ETF, so you exchange traded funds.\n\nSo that is what most of your investments are, and these are kind of just tracking an index. So for example, one of your biggest shareholding is the iShares S and P five hundred. So in that one single investment, the way that it works is that it tracks the 500 largest companies listed in The US. So, obviously, very diversified. And as a company gets bigger and grow, you'll get added to the list.\n\nIf it gets smaller, it gets out. So you're kind of just kind of steady tracking that index, which is which is a really good way and a kind of a low cost investment option. You then have your managed funds. So that is where the Benelon comes into play. Now the purpose of that is that they you have an active manager, so they're a little bit more of that active approach.\n\nThey are trying to outperform the market. So that was the function of why the Benelon was added to your portfolio when you came on board. And at that time, and up until pretty recently, it had done really well. It kind of had continued to outperform, and it was doing really well. However, recently, they have underperformed.\n\nThere's been a couple of contributing factors. Some of it as well is some of their convictions in what they believe just hasn't played out as well. And then, also, one of their companies that they had in their portfolio was the corporate travel group. You may have heard of that or seen on the news that that one company had a bit of issues with their reporting, which actually meant that they were suspended from trading, which meant that everything all the prices and everything fell. So that's kind of been one of the reasons for the Benelon.\n\nAnd we've done a lot of research on the investment as well, and we do think that it's better to sell out of it and swap it for another option if you are happy to do so. Yep. Perfect. Now the option that we have researched that we believe are going to be a lot better moving forward is just your beta shares a 200. So with the portfolio as well, we do wanna stay within the same, you know, philosophy.\n\nWe wanna stay within the same risk profile and everything. And if we are then selling out of the Sten Along Australian equities, which is focusing on your Australian investment, we do wanna swap it with another Australian investment to, again, make sure that your whole portfolio as a whole is very diverse. But so the a 200, instead of your Bendelon kind of actively trying to find good investment, the a two hundred tracks the 200 largest companies in Australia. So the function of that one is that it is cheaper than your Benelung one, and it has also outperformed the Benelung as well. So if you are happy for us to do so, what I will do is I will go ahead and make the change, swapping Ben along for the $8,200.\n\nNow what I will do is I will send you an email just for your records. You don't need to sign it, but it's just to show you the change so that you have it on record as well so that you know that we've made the change. And you will also see that change in your hub 24. If you are going in and checking every now and then, you will also see that change happening in the next couple of days. Yep.\n\nYep. You're happy with all that? That makes sense? Yeah. Perfect.\n\nNow is there any other questions or concerns with the portfolio or anything else that you kind of wanna discuss today? Yep. So you don't have to worry too much about that. It's just a notification when the balance does get a little bit low. We have auto invest on your account as well.\n\nSo sometimes it is when you have contributions going into the account, it gets auto invested every month. And just as it gets invested, the cash can be a little bit low, but then contributions come in, and it kind of rebalances everything for you. Yeah. Yeah. Perfect.\n\nNow while I do have you on the phone as well, I did have a look at your beneficiary forms that you have on hub twenty four, and I do wanna just, triple check them with you. So I do have here that you have 40% to Cecilia, 30% to my, and 30% to Vincent. My, m y? Oh, yeah. It says my, and I was like, oh, just m y.\n\nThat's all. Is that meant to be Ivy? Yeah. Yeah. No.\n\nThat's okay. Now it says here that the type of nomination you have selected is an interdependent relationship. So what are their relationship to you? Family members? And are either of them financially dependent on you?\n\nDo you live with them? No. No. So, basically, to make a direct nomination with through superannuation, they do make it quite strict on who you can actually nominate directly. The only people that you can nominate straight through superannuation is either a spouse, a child, or someone that has a financial dependent or interdependent relationship, which means that you do have to live together and financially rely on you at the time of your passing.\n\nSo if, yeah, so if your the people that you have nominated do not fall into this category, we can change it. So you can still give it to them. That is no problem at all. We would just have to change the word age structure. So what we would have to do is we have to change it.\n\nSo on the form, you would choose a legal personal representative at a 100%. What that means is that it reverts back to a will. Then in the will, you can stipulate that you want it to go to whoever you want. That can be family member. It can be a friend.\n\nIt can be anyone. So that's how you can kind of go around it. But if they don't meet any of those other criterias, if something were to happen to you, the trustee of Hub twenty four would just deem that it's not a valid nomination if they don't meet those strict criteria. Yeah. So what I can do is do you have access to a printer, or do you prefer things to be posted to you?\n\nPrint yeah. So what I can do is I can get the team to email you the forms again. I'll include a cover letter as well for you, and then if you can print it off completed. Now you can change it to that legal personal representative. It just means that do you have a will at the moment?\n\nNo? Okay. So I do recommend to get a will sorted, and then in the will, you can stipulate that you want it to go through Cecilia, Ivy, and Vincent or whoever you want to as well. You can obviously go through the lawyer, which is the most comprehensive way of doing it. But if you don't want to do that, because, obviously, it will cost a little bit more, you can even just get, like, little kits from the post office, which is a lot cheaper.\n\nThe only thing with that is just making sure you read instructions and complete it correctly. So if something were to happen, it does held up in court. Yep. So I will get the team to email you those forms again so that we can get it updated. So if something ever were to happen to you, it will go to who you want to.\n\nYep. Perfect. If you do have any questions when you get the form and you're not sure, you can always just give me a call. Yep. Perfect.\n\nOtherwise, I'll get the team to email those to you, and then also keep a lookout for that rep of of advice to show you the investment change of moving out of Bennelong and swapping for that $8,200. But, otherwise, before I let you go, do you have any other questions or concerns for me at this point? No? Okay. Perfect.\n\nIf you do, you know, you can always just give me a call or or send me an email, and we can always book you in for another catch. Yep. Perfect. Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":5.04,"end":5.44,"sentiment":"neutral","sentiment_score":0.3065115958452225},{"text":"Is this Lawrence?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.1263845811287562},{"text":"This is Veronica from iQ Financial.","start":8.88,"end":10.82,"sentiment":"positive","sentiment_score":0.38025444746017456},{"text":"How are you this morning?","start":10.96,"end":12.099999,"sentiment":"positive","sentiment_score":0.36843266487121584},{"text":"Yeah.","start":14.115,"end":14.355,"sentiment":"positive","sentiment_score":0.3558223843574524}],"sentiment":"neutral","sentiment_score":0.321864078150076,"num_words":17,"start":5.04,"end":14.355},{"sentences":[{"text":"I'm well.","start":14.355,"end":14.915,"sentiment":"positive","sentiment_score":0.5122763514518738},{"text":"Thanks.","start":14.915,"end":15.415,"sentiment":"positive","sentiment_score":0.6992454528808594},{"text":"I had you booked in for just a quick catch up, really.","start":16.835,"end":20.035,"sentiment":"positive","sentiment_score":0.45156654715538025},{"text":"Is now still a good time for you?","start":20.035,"end":21.735,"sentiment":"positive","sentiment_score":0.42061007767915726},{"text":"Yep.","start":22.914999,"end":23.414999,"sentiment":"neutral","sentiment_score":-0.006740890443325043}],"sentiment":"positive","sentiment_score":0.43753068552662927,"num_words":24,"start":14.355,"end":23.414999},{"sentences":[{"text":"Mhmm.","start":23.875,"end":24.355,"sentiment":"neutral","sentiment_score":0.054605886340141296},{"text":"Perfect.","start":24.355,"end":24.855,"sentiment":"neutral","sentiment_score":0.3283660411834717},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":25.199999,"end":32.1,"sentiment":"neutral","sentiment_score":0.010544863561617917},{"text":"Perfect.","start":33.84,"end":34.34,"sentiment":"neutral","sentiment_score":0.31877511739730835},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":34.399998,"end":40.815,"sentiment":"neutral","sentiment_score":0.08613746713560361}],"sentiment":"neutral","sentiment_score":0.05598486609885405,"num_words":58,"start":23.875,"end":40.815},{"sentences":[{"text":"Yep.","start":49.295,"end":49.695,"sentiment":"neutral","sentiment_score":0.17276418209075928},{"text":"Perfect.","start":49.695,"end":50.094997,"sentiment":"positive","sentiment_score":0.5636211633682251},{"text":"That's exactly what I have here.","start":50.094997,"end":51.714996,"sentiment":"positive","sentiment_score":0.5859025617440542},{"text":"How's your morning been so far?","start":51.774998,"end":53.214996,"sentiment":"neutral","sentiment_score":0.22416650503873825},{"text":"Been busy or just kind of getting started?","start":53.214996,"end":55.155,"sentiment":"neutral","sentiment_score":-0.0019989009015262127}],"sentiment":"neutral","sentiment_score":0.25367311540652404,"num_words":22,"start":49.295,"end":55.155},{"sentences":[{"text":"Okay.","start":57.730003,"end":58.230003,"sentiment":"neutral","sentiment_score":0.12777572870254517},{"text":"Well, I will try not to keep you for too long.","start":58.370003,"end":61.43,"sentiment":"neutral","sentiment_score":-0.026033508506688206},{"text":"Essentially, I do have you booked in because you had your annual review with my colleague, Samantha.","start":61.730003,"end":66.07,"sentiment":"neutral","sentiment_score":0.12381891730953665},{"text":"And following the annual review, you wanted to talk a little bit more about your performance in your portfolio.","start":67.01,"end":73.335,"sentiment":"neutral","sentiment_score":0.0892175106625808},{"text":"Is that correct?","start":73.395004,"end":74.215004,"sentiment":"neutral","sentiment_score":0.1084253837664922}],"sentiment":"neutral","sentiment_score":0.07777916829960019,"num_words":51,"start":57.730003,"end":74.215004},{"sentences":[{"text":"Yep.","start":75.715004,"end":76.195,"sentiment":"neutral","sentiment_score":0.18747824430465695},{"text":"Perfect.","start":76.195,"end":76.695,"sentiment":"positive","sentiment_score":0.33527252078056335},{"text":"So after the call today, you will receive an annual review pack as well.","start":76.915,"end":82.775,"sentiment":"neutral","sentiment_score":0.21197134043489183},{"text":"That's the documents that kind of you went through during the annual review with Samantha.","start":82.835,"end":86.775,"sentiment":"neutral","sentiment_score":0.1797088235616684},{"text":"Part of that will also have that portfolio performance reports that you went through with Samantha as well.","start":87.96999,"end":93.89,"sentiment":"neutral","sentiment_score":0.19781210852993858}],"sentiment":"neutral","sentiment_score":0.19891020077831892,"num_words":49,"start":75.715004,"end":93.89},{"sentences":[{"text":"So that kind of gives you a more oversight of of everything.","start":93.89,"end":97.189995,"sentiment":"neutral","sentiment_score":0.24170882627367973},{"text":"So when you have a moment, have a read through that one for me.","start":97.25,"end":100.549995,"sentiment":"neutral","sentiment_score":0.16558220237493515},{"text":"Any questions, let me know.","start":100.805,"end":102.424995,"sentiment":"neutral","sentiment_score":0.09845522046089172},{"text":"If not, we'll just need you to sign those documents and return it when you have a moment.","start":102.564995,"end":106.905,"sentiment":"neutral","sentiment_score":0.03480038005444738},{"text":"But perfect.","start":109.284996,"end":110.104996,"sentiment":"neutral","sentiment_score":0.22402243316173553}],"sentiment":"neutral","sentiment_score":0.13304675604198493,"num_words":51,"start":93.89,"end":110.104996},{"sentences":[{"text":"Now, essentially, with your portfolio, though, I just pulled a new report today this morning showing the last twelve months, how your portfolio has performed, and what kind of happened.","start":110.805,"end":122.649994,"sentiment":"neutral","sentiment_score":0.10198656221230824},{"text":"So in the last twelve months, now this is after fees as well, your portfolio has still gone up by 8.06%, which is actually pretty good given everything that's going on in the world.","start":122.649994,"end":136.895,"sentiment":"positive","sentiment_score":0.4906243572340292},{"text":"Obviously, everything in the last twelve months has been a bit of turbulence and stuff.","start":137.19499,"end":141.215,"sentiment":"neutral","sentiment_score":-0.10285459260145823},{"text":"So despite all of that, your portfolio as an as a whole have done pretty good.","start":141.54001,"end":145.8,"sentiment":"neutral","sentiment_score":0.29273376683704555},{"text":"Now most of your investments have done really well, which you will see in the performance reports that you do receive later today as well.","start":146.02,"end":154.545,"sentiment":"positive","sentiment_score":0.46303715705871584}],"sentiment":"neutral","sentiment_score":0.2871472943263749,"num_words":120,"start":110.805,"end":154.545},{"sentences":[{"text":"But there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity.","start":155.745,"end":164.785,"sentiment":"neutral","sentiment_score":0.04287233969403638},{"text":"Was that the one that you were kind of looking at a little bit?","start":164.785,"end":167.605,"sentiment":"neutral","sentiment_score":0.00947737174906901},{"text":"Yeah.","start":170.42,"end":170.92,"sentiment":"neutral","sentiment_score":0.0055921352468431},{"text":"Sorry.","start":171.22,"end":171.62,"sentiment":"neutral","sentiment_score":-0.0070187486708164215},{"text":"The Benelon Australian Equity, it is a little bit different to some of your other investments in that it is a managed fund.","start":171.62,"end":177.87999,"sentiment":"neutral","sentiment_score":-0.0073188702859308405}],"sentiment":"neutral","sentiment_score":0.016976905245841903,"num_words":66,"start":155.745,"end":177.87999},{"sentences":[{"text":"Are you quite familiar with the different types and styles of investment?","start":178.66,"end":182.68,"sentiment":"neutral","sentiment_score":-0.00259792385622859},{"text":"Not too familiar.","start":185.345,"end":186.385,"sentiment":"neutral","sentiment_score":-0.02122008241713047},{"text":"So, essentially, you have for simplicity, you have direct shares, app managed funds, and ETFs.","start":186.385,"end":192.725,"sentiment":"neutral","sentiment_score":0.010865460522472859},{"text":"So direct shares is if you wanna invest, let's say, directly in BHP, that is a direct share.","start":192.945,"end":198.92,"sentiment":"neutral","sentiment_score":0.027812210532526176},{"text":"You invest directly into one particular company.","start":198.92,"end":201.74,"sentiment":"neutral","sentiment_score":0.025735709816217422}],"sentiment":"neutral","sentiment_score":0.01361666059290821,"num_words":55,"start":178.66,"end":201.74},{"sentences":[{"text":"Now in your portfolio, we don't have any direct shares for you.","start":202.28,"end":205.72,"sentiment":"neutral","sentiment_score":-0.0035256400879006833},{"text":"It's all ETFs, and you have two managed funds.","start":205.72,"end":208.45999,"sentiment":"neutral","sentiment_score":0.033802904188632965},{"text":"Obviously, that means that it is a lot more diversified for you and is not putting all your money into one basket.","start":209.24,"end":215.25499,"sentiment":"neutral","sentiment_score":0.060673964294520294},{"text":"So if something were to happen, it's not like if something were to happen to one company, it's not going to make as much of a difference because you're not concentrated into one area.","start":215.25499,"end":223.995,"sentiment":"neutral","sentiment_score":-0.0250060225782149},{"text":"You then have your ETF, so you exchange traded funds.","start":225.43001,"end":229.11,"sentiment":"neutral","sentiment_score":0.04219551011919975}],"sentiment":"neutral","sentiment_score":0.013430988559253171,"num_words":87,"start":202.28,"end":229.11},{"sentences":[{"text":"So that is what most of your investments are, and these are kind of just tracking an index.","start":229.11,"end":234.65001,"sentiment":"neutral","sentiment_score":0.05451266695227888},{"text":"So for example, one of your biggest shareholding is the iShares S and P five hundred.","start":234.87001,"end":240.32501,"sentiment":"neutral","sentiment_score":0.0957214436493814},{"text":"So in that one single investment, the way that it works is that it tracks the 500 largest companies listed in The US.","start":240.945,"end":249.445,"sentiment":"neutral","sentiment_score":0.12296435366506162},{"text":"So, obviously, very diversified.","start":250.0,"end":251.62001,"sentiment":"neutral","sentiment_score":0.14607716724276543},{"text":"And as a company gets bigger and grow, you'll get added to the list.","start":251.76001,"end":255.46,"sentiment":"neutral","sentiment_score":0.30106956724609646}],"sentiment":"neutral","sentiment_score":0.13520311797658602,"num_words":75,"start":229.11,"end":255.46},{"sentences":[{"text":"If it gets smaller, it gets out.","start":255.52,"end":257.04,"sentiment":"neutral","sentiment_score":0.19168408853667124},{"text":"So you're kind of just kind of steady tracking that index, which is which is a really good way and a kind of a low cost investment option.","start":257.04,"end":265.06,"sentiment":"positive","sentiment_score":0.6004465860979897},{"text":"You then have your managed funds.","start":266.365,"end":268.04498,"sentiment":"neutral","sentiment_score":0.19160480797290802},{"text":"So that is where the Benelon comes into play.","start":268.04498,"end":270.305,"sentiment":"neutral","sentiment_score":0.17790593455235162},{"text":"Now the purpose of that is that they you have an active manager, so they're a little bit more of that active approach.","start":270.685,"end":276.625,"sentiment":"neutral","sentiment_score":0.20741366044334744}],"sentiment":"positive","sentiment_score":0.3517204038288495,"num_words":73,"start":255.52,"end":276.625},{"sentences":[{"text":"They are trying to outperform the market.","start":277.085,"end":284.97,"sentiment":"positive","sentiment_score":0.44765426005635944},{"text":"So that was the function of why the Benelon was added to your portfolio when you came on board.","start":285.35,"end":290.49002,"sentiment":"neutral","sentiment_score":0.25019635887522446},{"text":"And at that time, and up until pretty recently, it had done really well.","start":290.63,"end":294.65,"sentiment":"neutral","sentiment_score":0.26364004452313694},{"text":"It kind of had continued to outperform, and it was doing really well.","start":294.92502,"end":298.30502,"sentiment":"positive","sentiment_score":0.4382552137741676},{"text":"However, recently, they have underperformed.","start":298.765,"end":301.265,"sentiment":"neutral","sentiment_score":-0.011573167890310288}],"sentiment":"neutral","sentiment_score":0.29685729658552285,"num_words":58,"start":277.085,"end":301.265},{"sentences":[{"text":"There's been a couple of contributing factors.","start":302.20502,"end":304.625,"sentiment":"neutral","sentiment_score":-0.14142116159200668},{"text":"Some of it as well is some of their convictions in what they believe just hasn't played out as well.","start":304.845,"end":310.9,"sentiment":"neutral","sentiment_score":-0.2598117258399725},{"text":"And then, also, one of their companies that they had in their portfolio was the corporate travel group.","start":311.28,"end":317.38,"sentiment":"neutral","sentiment_score":-0.04444182301974959},{"text":"You may have heard of that or seen on the news that that one company had a bit of issues with their reporting, which actually meant that they were suspended from trading, which meant that everything all the prices and everything fell.","start":317.44,"end":330.055,"sentiment":"neutral","sentiment_score":-0.18359569043275856},{"text":"So that's kind of been one of the reasons for the Benelon.","start":330.675,"end":334.135,"sentiment":"neutral","sentiment_score":-0.053259129946430527}],"sentiment":"neutral","sentiment_score":-0.15491175777608096,"num_words":99,"start":302.20502,"end":334.135},{"sentences":[{"text":"And we've done a lot of research on the investment as well, and we do think that it's better to sell out of it and swap it for another option if you are happy to do so.","start":334.35498,"end":345.48,"sentiment":"neutral","sentiment_score":-0.0029360647942568803},{"text":"Yep.","start":348.91498,"end":349.31497,"sentiment":"positive","sentiment_score":0.34407222270965576},{"text":"Perfect.","start":349.31497,"end":349.81497,"sentiment":"positive","sentiment_score":0.5898876190185547},{"text":"Now the option that we have researched that we believe are going to be a lot better moving forward is just your beta shares a 200.","start":350.03497,"end":359.09497,"sentiment":"neutral","sentiment_score":0.19822208869915742},{"text":"So with the portfolio as well, we do wanna stay within the same, you know, philosophy.","start":359.235,"end":364.52,"sentiment":"neutral","sentiment_score":0.2914883326739073}],"sentiment":"neutral","sentiment_score":0.1313939885592755,"num_words":81,"start":334.35498,"end":364.52},{"sentences":[{"text":"We wanna stay within the same risk profile and everything.","start":364.58,"end":367.47998,"sentiment":"neutral","sentiment_score":0.29384839460253714},{"text":"And if we are then selling out of the Sten Along Australian equities, which is focusing on your Australian investment, we do wanna swap it with another Australian investment to, again, make sure that your whole portfolio as a whole is very diverse.","start":367.93997,"end":380.76498,"sentiment":"neutral","sentiment_score":0.08827496213881775},{"text":"But so the a 200, instead of your Bendelon kind of actively trying to find good investment, the a two hundred tracks the 200 largest companies in Australia.","start":380.82498,"end":392.44498,"sentiment":"neutral","sentiment_score":0.17297378528331006},{"text":"So the function of that one is that it is cheaper than your Benelung one, and it has also outperformed the Benelung as well.","start":393.2,"end":400.82,"sentiment":"positive","sentiment_score":0.46136804297566414},{"text":"So if you are happy for us to do so, what I will do is I will go ahead and make the change, swapping Ben along for the $8,200.","start":401.6,"end":409.93503,"sentiment":"positive","sentiment_score":0.39048374881004466}],"sentiment":"neutral","sentiment_score":0.25354056009577947,"num_words":134,"start":364.58,"end":409.93503},{"sentences":[{"text":"Now what I will do is I will send you an email just for your records.","start":409.93503,"end":414.49503,"sentiment":"neutral","sentiment_score":0.21489204373210669},{"text":"You don't need to sign it, but it's just to show you the change so that you have it on record as well so that you know that we've made the change.","start":414.49503,"end":422.195,"sentiment":"neutral","sentiment_score":0.255181189160794},{"text":"And you will also see that change in your hub 24.","start":422.81,"end":425.45,"sentiment":"neutral","sentiment_score":0.21160250902175903},{"text":"If you are going in and checking every now and then, you will also see that change happening in the next couple of days.","start":425.45,"end":431.79,"sentiment":"neutral","sentiment_score":0.15980999326954284},{"text":"Yep.","start":433.21,"end":433.61,"sentiment":"neutral","sentiment_score":0.16660593450069427}],"sentiment":"neutral","sentiment_score":0.21349695386985937,"num_words":84,"start":409.93503,"end":433.61},{"sentences":[{"text":"Yep.","start":433.61,"end":434.01,"sentiment":"neutral","sentiment_score":0.30070167779922485},{"text":"You're happy with all that?","start":434.01,"end":435.05,"sentiment":"positive","sentiment_score":0.5162846863269805},{"text":"That makes sense?","start":435.05,"end":436.03,"sentiment":"positive","sentiment_score":0.35938092072804767},{"text":"Yeah.","start":437.325,"end":437.825,"sentiment":"positive","sentiment_score":0.4056709706783294},{"text":"Perfect.","start":438.045,"end":438.545,"sentiment":"positive","sentiment_score":0.6214914917945862}],"sentiment":"positive","sentiment_score":0.4534027576446533,"num_words":11,"start":433.61,"end":438.545},{"sentences":[{"text":"Now is there any other questions or concerns with the portfolio or anything else that you kind of wanna discuss today?","start":439.965,"end":445.585,"sentiment":"neutral","sentiment_score":0.19638602151757195},{"text":"Yep.","start":458.7,"end":459.2,"sentiment":"neutral","sentiment_score":0.18485139310359955},{"text":"So you don't have to worry too much about that.","start":459.26,"end":462.32,"sentiment":"neutral","sentiment_score":0.27141365110874177},{"text":"It's just a notification when the balance does get a little bit low.","start":462.46002,"end":466.255,"sentiment":"neutral","sentiment_score":0.1914530906539697},{"text":"We have auto invest on your account as well.","start":466.39502,"end":469.67502,"sentiment":"neutral","sentiment_score":0.2403135812944836}],"sentiment":"neutral","sentiment_score":0.21620012530022198,"num_words":54,"start":439.965,"end":469.67502},{"sentences":[{"text":"So sometimes it is when you have contributions going into the account, it gets auto invested every month.","start":469.67502,"end":476.075,"sentiment":"neutral","sentiment_score":0.19471960100862715},{"text":"And just as it gets invested, the cash can be a little bit low, but then contributions come in, and it kind of rebalances everything for you.","start":476.075,"end":482.85,"sentiment":"neutral","sentiment_score":0.1689336026708285},{"text":"Yeah.","start":483.95,"end":484.43002,"sentiment":"neutral","sentiment_score":0.22154060006141665},{"text":"Yeah.","start":484.43002,"end":484.93002,"sentiment":"neutral","sentiment_score":0.3143616020679474},{"text":"Perfect.","start":485.07,"end":485.57,"sentiment":"neutral","sentiment_score":0.0995953306555748}],"sentiment":"neutral","sentiment_score":0.18128453381359577,"num_words":48,"start":469.67502,"end":485.57},{"sentences":[{"text":"Now while I do have you on the phone as well, I did have a look at your beneficiary forms that you have on hub twenty four, and I do wanna just, triple check them with you.","start":486.43002,"end":497.615,"sentiment":"neutral","sentiment_score":0.21008409378496376},{"text":"So I do have here that you have 40% to Cecilia, 30% to my, and 30% to Vincent.","start":497.615,"end":505.23502,"sentiment":"neutral","sentiment_score":0.16643224615189764},{"text":"My, m y?","start":510.67,"end":512.13,"sentiment":"neutral","sentiment_score":-0.05571633825699488},{"text":"Oh, yeah.","start":518.365,"end":519.165,"sentiment":"neutral","sentiment_score":-0.07409381121397018},{"text":"It says my, and I was like, oh, just m y.","start":519.165,"end":522.545,"sentiment":"neutral","sentiment_score":-0.08665612746368755}],"sentiment":"neutral","sentiment_score":0.13380757551377928,"num_words":71,"start":486.43002,"end":522.545},{"sentences":[{"text":"That's all.","start":522.685,"end":523.505,"sentiment":"neutral","sentiment_score":-0.0801263377070427},{"text":"Is that meant to be Ivy?","start":524.445,"end":525.825,"sentiment":"neutral","sentiment_score":-0.057994456961750984},{"text":"Yeah.","start":527.08496,"end":527.58496,"sentiment":"neutral","sentiment_score":-0.012291906401515009},{"text":"Yeah.","start":528.365,"end":528.865,"sentiment":"neutral","sentiment_score":0.01006745733320713},{"text":"No.","start":528.925,"end":529.245,"sentiment":"neutral","sentiment_score":-0.06509958952665329}],"sentiment":"neutral","sentiment_score":-0.05232213234359568,"num_words":11,"start":522.685,"end":529.245},{"sentences":[{"text":"That's okay.","start":529.245,"end":530.14496,"sentiment":"neutral","sentiment_score":0.05346086807549},{"text":"Now it says here that the type of nomination you have selected is an interdependent relationship.","start":530.47,"end":536.09,"sentiment":"neutral","sentiment_score":0.04091699467971921},{"text":"So what are their relationship to you?","start":537.43,"end":541.21,"sentiment":"neutral","sentiment_score":0.028852142925773348},{"text":"Family members?","start":544.965,"end":545.865,"sentiment":"neutral","sentiment_score":0.006367563735693693},{"text":"And are either of them financially dependent on you?","start":548.325,"end":553.765,"sentiment":"neutral","sentiment_score":-0.01623620858622922}],"sentiment":"neutral","sentiment_score":0.023060219491728477,"num_words":36,"start":529.245,"end":553.765},{"sentences":[{"text":"Do you live with them?","start":553.765,"end":555.145,"sentiment":"neutral","sentiment_score":-0.05937684997916222},{"text":"No.","start":555.28503,"end":555.78503,"sentiment":"neutral","sentiment_score":-0.15957218408584595},{"text":"No.","start":557.36,"end":557.86,"sentiment":"neutral","sentiment_score":-0.1485714316368103},{"text":"So, basically, to make a direct nomination with through superannuation, they do make it quite strict on who you can actually nominate directly.","start":558.39996,"end":567.54,"sentiment":"neutral","sentiment_score":-0.15794889029601347},{"text":"The only people that you can nominate straight through superannuation is either a spouse, a child, or someone that has a financial dependent or interdependent relationship, which means that you do have to live together and financially rely on you at the time of your passing.","start":568.24,"end":585.635,"sentiment":"neutral","sentiment_score":-0.051990427198293415}],"sentiment":"neutral","sentiment_score":-0.08722910517826676,"num_words":76,"start":553.765,"end":585.635},{"sentences":[{"text":"So if, yeah, so if your the people that you have nominated do not fall into this category, we can change it.","start":586.74005,"end":596.02,"sentiment":"neutral","sentiment_score":0.04180832918394695},{"text":"So you can still give it to them.","start":596.02,"end":597.94,"sentiment":"neutral","sentiment_score":0.09157007280737162},{"text":"That is no problem at all.","start":597.94,"end":599.14,"sentiment":"neutral","sentiment_score":0.2963348825772603},{"text":"We would just have to change the word age structure.","start":599.14,"end":601.56006,"sentiment":"neutral","sentiment_score":0.0860244907438755},{"text":"So what we would have to do is we have to change it.","start":602.395,"end":606.015,"sentiment":"neutral","sentiment_score":0.10705420804711488}],"sentiment":"neutral","sentiment_score":0.0963102157969596,"num_words":59,"start":586.74005,"end":606.015},{"sentences":[{"text":"So on the form, you would choose a legal personal representative at a 100%.","start":606.395,"end":613.215,"sentiment":"neutral","sentiment_score":0.09221958315798215},{"text":"What that means is that it reverts back to a will.","start":614.09,"end":618.03,"sentiment":"neutral","sentiment_score":0.08793609724803404},{"text":"Then in the will, you can stipulate that you want it to go to whoever you 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criteria.","start":631.335,"end":642.955,"sentiment":"negative","sentiment_score":-0.44702217326714444},{"text":"Yeah.","start":645.79,"end":646.19,"sentiment":"neutral","sentiment_score":0.16409116983413696},{"text":"So what I can do is do you have access to a printer, or do you prefer things to be posted to you?","start":646.19,"end":652.93,"sentiment":"neutral","sentiment_score":0.10798587552879167}],"sentiment":"neutral","sentiment_score":-0.17332758899632986,"num_words":77,"start":626.01,"end":652.93},{"sentences":[{"text":"Print yeah.","start":655.245,"end":659.745,"sentiment":"neutral","sentiment_score":0.1234339214861393},{"text":"So what I can do is I can get the team to email you the forms again.","start":659.885,"end":664.785,"sentiment":"neutral","sentiment_score":0.2243900807464824},{"text":"I'll include a cover letter as well for you, and then if you can print it off completed.","start":666.365,"end":672.48004,"sentiment":"neutral","sentiment_score":0.2415501301487287},{"text":"Now you can change it to that legal personal representative.","start":673.10004,"end":675.68,"sentiment":"neutral","sentiment_score":0.13080278486013414},{"text":"It just means that do you have a will at the moment?","start":676.3,"end":678.96,"sentiment":"neutral","sentiment_score":0.029226958906898897}],"sentiment":"neutral","sentiment_score":0.1706466595563343,"num_words":59,"start":655.245,"end":678.96},{"sentences":[{"text":"No?","start":684.075,"end":684.55505,"sentiment":"neutral","sentiment_score":-0.1514480710029602},{"text":"Okay.","start":684.55505,"end":685.05505,"sentiment":"neutral","sentiment_score":-0.043549880385398865},{"text":"So I do recommend to get a will sorted, and then in the will, you can stipulate that you want it to go through Cecilia, Ivy, and Vincent or whoever you want to as well.","start":685.43506,"end":696.18,"sentiment":"neutral","sentiment_score":0.04179920197597572},{"text":"You can obviously go through the lawyer, which is the most comprehensive way of doing it.","start":696.89996,"end":701.39996,"sentiment":"neutral","sentiment_score":0.08217225898988545},{"text":"But if you don't want to do that, because, obviously, it will cost a little bit more, you can even just get, like, little kits from the post office, which is a lot cheaper.","start":701.94,"end":710.6,"sentiment":"neutral","sentiment_score":0.16475802375113263}],"sentiment":"neutral","sentiment_score":0.09407474792123525,"num_words":87,"start":684.075,"end":710.6},{"sentences":[{"text":"The only thing with that is just making sure you read instructions and complete it correctly.","start":711.385,"end":715.725,"sentiment":"neutral","sentiment_score":-0.011028843466192484},{"text":"So if something were to happen, it does held up in court.","start":716.02496,"end":719.725,"sentiment":"neutral","sentiment_score":-0.18616546566287676},{"text":"Yep.","start":722.345,"end":722.845,"sentiment":"neutral","sentiment_score":0.2041805237531662},{"text":"So I will get the team to email you those forms again so that we can get it updated.","start":723.225,"end":729.27,"sentiment":"positive","sentiment_score":0.36195568505086395},{"text":"So if something ever were to happen to you, it will go to who you want to.","start":729.33,"end":733.11005,"sentiment":"neutral","sentiment_score":0.2902665269725463}],"sentiment":"neutral","sentiment_score":0.14777572945906567,"num_words":65,"start":711.385,"end":733.11005},{"sentences":[{"text":"Yep.","start":734.69,"end":735.09,"sentiment":"neutral","sentiment_score":0.280417799949646},{"text":"Perfect.","start":735.09,"end":735.57,"sentiment":"positive","sentiment_score":0.5301671028137207},{"text":"If you do have any questions when you get the form and you're not sure, you can always just give me a call.","start":735.57,"end":740.565,"sentiment":"neutral","sentiment_score":0.18509471578442532},{"text":"Yep.","start":742.485,"end":742.805,"sentiment":"neutral","sentiment_score":0.3110896944999695},{"text":"Perfect.","start":742.805,"end":743.305,"sentiment":"positive","sentiment_score":0.48013389110565186}],"sentiment":"neutral","sentiment_score":0.21699951671891743,"num_words":27,"start":734.69,"end":743.305},{"sentences":[{"text":"Otherwise, I'll get the team to email those to you, and then also keep a lookout for that rep of of advice to show you the investment change of moving out of Bennelong and swapping for that $8,200.","start":743.765,"end":754.745,"sentiment":"neutral","sentiment_score":0.30910419241378184},{"text":"But, otherwise, before I let you go, do you have any other questions or concerns for me at this point?","start":755.63,"end":760.85004,"sentiment":"neutral","sentiment_score":-0.018995074555277824},{"text":"No?","start":763.47003,"end":763.87,"sentiment":"neutral","sentiment_score":-0.2141917943954468},{"text":"Okay.","start":763.87,"end":764.27,"sentiment":"neutral","sentiment_score":0.05969971418380737},{"text":"Perfect.","start":764.27,"end":764.77,"sentiment":"positive","sentiment_score":0.4288254976272583}],"sentiment":"neutral","sentiment_score":0.19082608586940608,"num_words":61,"start":743.765,"end":764.77},{"sentences":[{"text":"If you do, you know, you can always just give me a call or or send me an email, and we can always book you in for another catch.","start":764.83,"end":771.01,"sentiment":"neutral","sentiment_score":0.2356689641701764},{"text":"Yep.","start":771.045,"end":771.545,"sentiment":"neutral","sentiment_score":0.18004068732261658},{"text":"Perfect.","start":772.805,"end":773.20496,"sentiment":"positive","sentiment_score":0.6647679805755615},{"text":"Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day.","start":773.20496,"end":777.225,"sentiment":"positive","sentiment_score":0.8057751173064822},{"text":"Thanks.","start":778.64496,"end":779.14496,"sentiment":"positive","sentiment_score":0.5776524543762207}],"sentiment":"positive","sentiment_score":0.4750592178612385,"num_words":53,"start":764.83,"end":779.14496},{"sentences":[{"text":"Bye.","start":779.20496,"end":779.70496,"sentiment":"positive","sentiment_score":0.3911270499229431}],"sentiment":"positive","sentiment_score":0.3911270499229431,"num_words":1,"start":779.20496,"end":779.70496}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Speaking. Good morning. Good. Yourself? Yeah. No no worries. Yep. No worries. Lawrence l 01/07/1991. Unit 36 Top Street, Lambda. Yeah. Getting started. Yes. Yep. Okay. No worries. Yep. Yeah. That's what we were talking about. Yeah. Not too familiar, though. Yes. Yep. Yep. Yeah. That's that's not a problem. Yeah. Yes. Yep. Okay. No worries. Yeah. That makes sense to me. Yep. I'm not too sure, but because I've I logged on to the hop 24, and there's something that says one or more accounts have a low cash account balance. Okay. Sure. No worries. Yep. That sounds what was the second name? Sorry. Oh, I think that might be a mistake. I think there's a I wrote Ivy. Yeah. Yes. I think that might be. Yep. The the just family members. Yep. No. Not Okay. Okay. Okay. I see. Yep. Yeah. I think I can get them printed at work. Yep. I don't think so. No. Yep. Okay. Yep. Yep. Okay. No worries. No. Not at the moment. Yeah. No worries. Yep. You too. Yeah. 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me.","start":436.305,"end":445.3,"sentiment":"neutral","sentiment_score":0.23780122101306916}],"sentiment":"neutral","sentiment_score":0.22238820046186447,"num_words":10,"start":432.465,"end":445.3},{"sentences":[{"text":"Yep.","start":445.8,"end":446.3,"sentiment":"neutral","sentiment_score":0.0645572692155838},{"text":"I'm not too sure, but because I've I logged on to the hop 24, and there's something that says one or more accounts have a low cash account balance.","start":446.8,"end":457.845,"sentiment":"neutral","sentiment_score":0.009639810610177189},{"text":"Okay.","start":483.055,"end":483.455,"sentiment":"neutral","sentiment_score":0.1564423441886902},{"text":"Sure.","start":483.455,"end":483.69498,"sentiment":"neutral","sentiment_score":0.18946874141693115},{"text":"No 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Ivy.","start":515.62,"end":517.56,"sentiment":"neutral","sentiment_score":-0.21394542711121695}],"sentiment":"neutral","sentiment_score":-0.16163850335093835,"num_words":24,"start":507.725,"end":517.56},{"sentences":[{"text":"Yeah.","start":525.06,"end":525.56,"sentiment":"neutral","sentiment_score":-0.038935668766498566},{"text":"Yes.","start":526.18,"end":526.66003,"sentiment":"neutral","sentiment_score":-0.01095702312886715},{"text":"I think that might be.","start":526.66003,"end":527.96,"sentiment":"neutral","sentiment_score":-0.02355075404047966},{"text":"Yep.","start":528.02,"end":528.345,"sentiment":"neutral","sentiment_score":0.03108733892440796},{"text":"The the just family 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worries.","start":741.905,"end":742.565,"sentiment":"neutral","sentiment_score":0.21970894932746887},{"text":"No.","start":762.01495,"end":762.495,"sentiment":"neutral","sentiment_score":-0.33078882098197937},{"text":"Not at the moment.","start":762.495,"end":763.39496,"sentiment":"neutral","sentiment_score":-0.3323921486735344}],"sentiment":"neutral","sentiment_score":-0.10537094043360816,"num_words":9,"start":741.265,"end":763.39496},{"sentences":[{"text":"Yeah.","start":771.45496,"end":771.77496,"sentiment":"neutral","sentiment_score":0.2252727746963501},{"text":"No worries.","start":771.77496,"end":772.435,"sentiment":"neutral","sentiment_score":0.30499956011772156},{"text":"Yep.","start":777.23694,"end":777.717,"sentiment":"positive","sentiment_score":0.3533307909965515},{"text":"You too.","start":777.717,"end":778.37695,"sentiment":"positive","sentiment_score":0.38548642396926874},{"text":"Yeah.","start":779.55695,"end":780.05695,"sentiment":"neutral","sentiment_score":0.278372585773468}],"sentiment":"neutral","sentiment_score":0.31970687423433575,"num_words":7,"start":771.45496,"end":780.05695},{"sentences":[{"text":"Bye.","start":780.11694,"end":780.61694,"sentiment":"neutral","sentiment_score":-0.10101974010467528}],"sentiment":"neutral","sentiment_score":-0.10101974010467528,"num_words":1,"start":780.11694,"end":780.61694}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Lawrence?\n\nChannel 1: Yes. Speaking. Good morning.\n\nChannel 0: This is Veronica from iQ Financial. How are you this morning?\n\nChannel 1: Good. Yourself?\n\nChannel 0: Yeah. I'm well. Thanks. I had you booked in for just a quick catch up, really. Is now still a good time for you?\n\nChannel 1: Yeah. No no\n\nChannel 0: Yep.\n\nChannel 1: worries.\n\nChannel 0: Mhmm. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Lawrence l 01/07/1991. Unit 36 Top Street, Lambda.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your morning been so far? Been busy or just kind of getting started?\n\nChannel 1: Yeah. Getting started.\n\nChannel 0: Okay. Well, I will try not to keep you for too long. Essentially, I do have you booked in because you had your annual review with my colleague, Samantha. And following the annual review, you wanted to talk a little bit more about your performance in your portfolio. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So after the call today, you will receive an annual review pack as well. That's the documents that kind of you went through during the annual review with Samantha. Part of that will also have that portfolio performance reports that you went through with Samantha as well.\n\nSo that kind of gives you a more oversight of of everything. So when you have a moment, have a read through that one for me. Any questions, let me know. If not, we'll just need you to sign those documents and return it when you have a moment.\n\nChannel 1: Yep. Okay. No worries.\n\nChannel 0: But perfect. Now, essentially, with your portfolio, though, I just pulled a new report today this morning showing the last twelve months, how your portfolio has performed, and what kind of happened. So in the last twelve months, now this is after fees as well, your portfolio has still gone up by 8.06%, which is actually pretty good given everything that's going on in the world. Obviously, everything\n\nChannel 1: Yep.\n\nChannel 0: in the last twelve months has been a bit of turbulence and stuff. So despite all of that, your portfolio as an as a whole have done pretty good. Now most of your investments have done really well, which you will see in the performance reports that you do receive later today as well. But there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity. Was that the one that you were kind of looking at a little bit?\n\nChannel 1: Yeah. That's what we were talking about. Yeah.\n\nChannel 0: Yeah. Sorry. The Benelon Australian Equity, it is a little bit different to some of your other investments in that it is a managed fund. Are you quite familiar with the different types and styles of investment?\n\nChannel 1: Not too familiar,\n\nChannel 0: Not too familiar. So, essentially, you have for simplicity, you have direct shares, app managed funds, and ETFs.\n\nChannel 1: though.\n\nChannel 0: So direct shares is if you wanna invest, let's say, directly in BHP, that is a direct share. You invest directly into one particular company. Now in your portfolio, we don't have any direct shares for you. It's all ETFs, and you have two managed funds. Obviously, that means that it is a lot more diversified for you and is not putting all your money into one basket.\n\nSo if something were to happen, it's not like if something were to happen to one company, it's not going to make as much of a difference because you're not concentrated into one area. You then have your ETF, so you exchange traded funds. So that is what most of your investments are, and these are kind of just tracking an index. So for\n\nChannel 1: Yes.\n\nChannel 0: example, one of your biggest shareholding is the iShares S and P five hundred. So in that one single investment, the way that it works is that it tracks the 500 largest companies listed in The US. So, obviously, very diversified. And as a company gets bigger and grow, you'll get added to the list. If it gets smaller, it gets out.\n\nSo you're kind of just kind of steady tracking that index, which is which is a really good way and a kind of a low cost investment option.\n\nChannel 1: Yep.\n\nChannel 0: You then have your managed funds. So that is where the Benelon comes into play. Now the purpose of that is that they you have an active manager, so they're a little bit more of that active approach. They are trying to outperform the market. So that was the function of why the Benelon was added to your portfolio when you came on board.\n\nAnd at that time, and up until pretty recently, it had done really well. It kind of had continued to outperform, and it was doing really well. However,\n\nChannel 1: Yep.\n\nChannel 0: recently, they have underperformed. There's been a couple of contributing factors. Some of it as well is some of their convictions in what they believe just hasn't played out as well. And then, also, one of their companies that they had in their portfolio was the corporate travel group. You may have heard of that or seen on the news that that one company had a bit of issues with their reporting, which actually meant that they were suspended from trading, which meant that everything all the prices and everything fell.\n\nSo that's kind of been one of the reasons for the Benelon. And we've done a lot of research on the investment as well, and we do think that it's better to sell out of it and swap it for another option if you are happy to do so.\n\nChannel 1: Yeah. That's that's not a problem.\n\nChannel 0: Yep. Perfect. Now the option that we have researched that we believe are going to\n\nChannel 1: Yeah.\n\nChannel 0: be a lot better moving forward is just your beta shares a 200. So with the portfolio as well, we do wanna stay within the same, you know, philosophy. We wanna stay within the same risk profile and everything. And if we are then selling out of the Sten Along Australian equities, which is focusing on your Australian investment, we do wanna swap it with another Australian investment to, again, make sure that your whole portfolio as a whole is very diverse. But so the\n\nChannel 1: Yes.\n\nChannel 0: a 200, instead of your Bendelon kind of actively trying to find good investment, the a two hundred tracks the 200 largest companies in Australia. So the function of that one is that it is cheaper than your Benelung one, and it has also outperformed the Benelung as well. So if you are happy for us to do so, what I will do is I will go ahead and make the change, swapping Ben along for the $8,200. Now what I will do is I will send you an email just for your records. You don't need to sign it, but it's just to show you the change so that you have it on record as well so that you know that we've made the change.\n\nAnd you will also see that change in your hub 24. If you are going in and checking every now and then, you will also see that change happening in the next couple of days.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: No worries.\n\nChannel 0: Yep. You're happy with all that? That makes sense?\n\nChannel 1: Yeah. That makes\n\nChannel 0: Yeah. Perfect. Now is there any other questions or concerns with the portfolio\n\nChannel 1: sense\n\nChannel 0: or anything else that\n\nChannel 1: to\n\nChannel 0: you kind of wanna discuss\n\nChannel 1: me.\n\nChannel 0: today?\n\nChannel 1: Yep. I'm not too sure, but because I've I logged on to the hop 24, and there's something that says one or more accounts have a low cash account balance.\n\nChannel 0: Yep. So you don't have to worry too much about that. It's just a notification when the balance does get a little bit low. We have auto invest on your account as well. So sometimes it is when you have contributions going into the account, it gets auto invested every month.\n\nAnd just as it gets invested, the cash can be a little bit low, but then contributions come in, and it kind of rebalances everything for you.\n\nChannel 1: Okay. Sure. No worries.\n\nChannel 0: Yeah. Yeah. Perfect. Now while I do have you on the phone as well, I did have a look at your beneficiary forms that you have on hub twenty four, and I do wanna just, triple check them with you. So I do have here that you have 40% to Cecilia, 30% to my, and 30% to Vincent.\n\nChannel 1: Yep. That sounds what was the second name? Sorry.\n\nChannel 0: My, m y?\n\nChannel 1: Oh, I think that might be a mistake. I think there's a I wrote Ivy.\n\nChannel 0: Oh, yeah. It says my, and I was like, oh, just m y. That's all. Is that meant to\n\nChannel 1: Yeah.\n\nChannel 0: be Ivy?\n\nChannel 1: Yes. I think that\n\nChannel 0: Yeah.\n\nChannel 1: might be. Yep.\n\nChannel 0: Yeah. No. That's okay. Now it says here that the type of nomination you have selected is an interdependent relationship. So what are their relationship to you?\n\nChannel 1: The the just family members.\n\nChannel 0: Family members?\n\nChannel 1: Yep.\n\nChannel 0: And are either of them financially dependent on you? Do you live with\n\nChannel 1: No.\n\nChannel 0: them? No. No. So, basically, to make a direct nomination with\n\nChannel 1: Not\n\nChannel 0: through superannuation, they do make it quite strict on who you can actually nominate directly. The only people that you can nominate straight through superannuation is either a spouse, a child, or someone that has a financial dependent or interdependent relationship, which means that you do have to live together and financially rely on you at the time of your passing. So\n\nChannel 1: Okay.\n\nChannel 0: if, yeah, so if your the people that you have nominated do not fall into this category, we can change it. So you can still give it to them. That is no problem at all. We would just have to change the word age structure. So what we would have to do is we have to change it.\n\nSo on the form, you would choose a legal personal representative at a 100%. What that means is that it reverts back to a will. Then in the will, you can stipulate that you want it to go to whoever you want. That can be family member. It can be a friend.\n\nIt can be anyone. So that's how you can kind of go around it. But\n\nChannel 1: Okay.\n\nChannel 0: if they don't meet any of those other criterias, if something were to happen to you, the trustee of Hub twenty four would just deem that it's not a valid nomination if they don't meet those strict criteria.\n\nChannel 1: Okay. I see. Yep.\n\nChannel 0: Yeah. So what I can do is do you have access to a printer, or do you prefer things to be posted to you? Print\n\nChannel 1: Yeah. I think I can get them printed at work.\n\nChannel 0: yeah. So what I can do is I can get the team to email you the forms again.\n\nChannel 1: Yep.\n\nChannel 0: I'll include a cover letter as well for you, and then if you can print it off completed. Now you can change it to that legal personal representative. It just means that do you have a will at the moment?\n\nChannel 1: I don't think so. No.\n\nChannel 0: No? Okay. So I do recommend to get a will sorted, and then in the will, you can stipulate that you want it to go through Cecilia, Ivy, and Vincent or whoever you want to as well. You can obviously go through the lawyer, which is the most comprehensive way of doing it. But if you don't want to do that, because, obviously, it will cost a little bit more, you can even just get, like, little kits from the post office, which is a lot cheaper.\n\nThe only thing with that is just making sure you read instructions and complete it correctly. So if something were to happen, it does held up in court.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. So I will get the team to email you those forms again so that we can get it updated. So if something ever were to happen to you, it will go to who you want to.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. If you do have any questions when you get the form and you're not sure, you can always just give me a call.\n\nChannel 1: Yep. Okay. No worries.\n\nChannel 0: Yep. Perfect. Otherwise, I'll get the team to email those to you, and then also keep a lookout for that rep of of advice to show you the investment change of moving out of Bennelong and swapping for that $8,200. But, otherwise, before I let you go, do you have any other questions or concerns for me at this point?\n\nChannel 1: No. Not at the moment.\n\nChannel 0: No? Okay. Perfect. If you do, you know, you can always just give me a call or or send me an email, and we can always book you in for another catch. Yep.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day.\n\nChannel 1: Yep. You too.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.053015969693660736}],"sentiment":"neutral","sentiment_score":0.053015969693660736,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good morning.","start":5.04,"end":5.44,"sentiment":"neutral","sentiment_score":0.3065115958452225},{"text":"Is this Lawrence?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.1263845811287562}],"sentiment":"neutral","sentiment_score":0.19843538701534272,"channel":0,"num_words":5,"start":5.04,"end":6.2599998},{"sentences":[{"text":"Yes.","start":6.7999997,"end":7.2,"sentiment":"neutral","sentiment_score":0.12176283448934556},{"text":"Speaking.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.13613690435886383},{"text":"Good morning.","start":7.52,"end":8.26,"sentiment":"positive","sentiment_score":0.42430342733860016}],"sentiment":"neutral","sentiment_score":0.2766266483813524,"channel":1,"num_words":4,"start":6.7999997,"end":8.26},{"sentences":[{"text":"This is Veronica from iQ Financial.","start":8.88,"end":10.82,"sentiment":"positive","sentiment_score":0.38025444746017456},{"text":"How are you this morning?","start":10.96,"end":12.099999,"sentiment":"positive","sentiment_score":0.36843266487121584}],"sentiment":"positive","sentiment_score":0.37488090991973877,"channel":0,"num_words":11,"start":8.88,"end":12.099999},{"sentences":[{"text":"Good.","start":12.719999,"end":13.12,"sentiment":"positive","sentiment_score":0.4405824542045593},{"text":"Yourself?","start":13.12,"end":13.62,"sentiment":"neutral","sentiment_score":0.2598537802696228}],"sentiment":"positive","sentiment_score":0.35021811723709106,"channel":1,"num_words":2,"start":12.719999,"end":13.62},{"sentences":[{"text":"Yeah.","start":14.115,"end":14.355,"sentiment":"positive","sentiment_score":0.3558223843574524},{"text":"I'm well.","start":14.355,"end":14.915,"sentiment":"positive","sentiment_score":0.5122763514518738},{"text":"Thanks.","start":14.915,"end":15.415,"sentiment":"positive","sentiment_score":0.6992454528808594},{"text":"I had you booked in for just a quick catch up, really.","start":16.835,"end":20.035,"sentiment":"positive","sentiment_score":0.45156654715538025},{"text":"Is now still a good time for you?","start":20.035,"end":21.735,"sentiment":"positive","sentiment_score":0.42061007767915726}],"sentiment":"positive","sentiment_score":0.45263748864332837,"channel":0,"num_words":24,"start":14.115,"end":21.735},{"sentences":[{"text":"Yeah.","start":22.115,"end":22.355,"sentiment":"neutral","sentiment_score":0.048176009207963943},{"text":"No no","start":22.355,"end":22.915,"sentiment":"neutral","sentiment_score":-0.016506223008036613}],"sentiment":"neutral","sentiment_score":0.0050545210639635725,"channel":1,"num_words":3,"start":22.115,"end":22.915},{"sentences":[{"text":"Yep.","start":22.914999,"end":23.414999,"sentiment":"neutral","sentiment_score":-0.006740890443325043}],"sentiment":"neutral","sentiment_score":-0.006740890443325043,"channel":0,"num_words":1,"start":22.914999,"end":23.414999},{"sentences":[{"text":"worries.","start":22.915,"end":23.415,"sentiment":"neutral","sentiment_score":-0.021547336131334305}],"sentiment":"neutral","sentiment_score":-0.021547336131334305,"channel":1,"num_words":1,"start":22.915,"end":23.415},{"sentences":[{"text":"Mhmm.","start":23.875,"end":24.355,"sentiment":"neutral","sentiment_score":0.054605886340141296},{"text":"Perfect.","start":24.355,"end":24.855,"sentiment":"neutral","sentiment_score":0.3283660411834717},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":25.199999,"end":32.1,"sentiment":"neutral","sentiment_score":0.010544863561617917}],"sentiment":"neutral","sentiment_score":0.022218482929372018,"channel":0,"num_words":31,"start":23.875,"end":32.1},{"sentences":[{"text":"Yep.","start":32.449997,"end":32.77,"sentiment":"neutral","sentiment_score":0.06431054323911667},{"text":"No worries.","start":32.77,"end":33.51,"sentiment":"neutral","sentiment_score":0.1121743842959404}],"sentiment":"neutral","sentiment_score":0.09621977061033249,"channel":1,"num_words":3,"start":32.449997,"end":33.51},{"sentences":[{"text":"Perfect.","start":33.84,"end":34.34,"sentiment":"neutral","sentiment_score":0.31877511739730835},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":34.399998,"end":40.815,"sentiment":"neutral","sentiment_score":0.08613746713560361}],"sentiment":"neutral","sentiment_score":0.09475367640455563,"channel":0,"num_words":27,"start":33.84,"end":40.815},{"sentences":[{"text":"Lawrence l 01/07/1991.","start":41.934998,"end":45.475,"sentiment":"neutral","sentiment_score":0.009981176039824883},{"text":"Unit 36 Top Street, Lambda.","start":46.094997,"end":48.914997,"sentiment":"neutral","sentiment_score":0.029503855109214782}],"sentiment":"neutral","sentiment_score":0.02218285045819357,"channel":1,"num_words":8,"start":41.934998,"end":48.914997},{"sentences":[{"text":"Yep.","start":49.295,"end":49.695,"sentiment":"neutral","sentiment_score":0.17276418209075928},{"text":"Perfect.","start":49.695,"end":50.094997,"sentiment":"positive","sentiment_score":0.5636211633682251},{"text":"That's exactly what I have here.","start":50.094997,"end":51.714996,"sentiment":"positive","sentiment_score":0.5859025617440542},{"text":"How's your morning been so far?","start":51.774998,"end":53.214996,"sentiment":"neutral","sentiment_score":0.22416650503873825},{"text":"Been busy or just kind of getting started?","start":53.214996,"end":55.155,"sentiment":"neutral","sentiment_score":-0.0019989009015262127}],"sentiment":"neutral","sentiment_score":0.25367311540652404,"channel":0,"num_words":22,"start":49.295,"end":55.155},{"sentences":[{"text":"Yeah.","start":56.015,"end":56.43,"sentiment":"neutral","sentiment_score":0.1513308435678482},{"text":"Getting started.","start":56.510002,"end":57.33,"sentiment":"neutral","sentiment_score":0.16419928520917892}],"sentiment":"neutral","sentiment_score":0.1599098046620687,"channel":1,"num_words":3,"start":56.015,"end":57.33},{"sentences":[{"text":"Okay.","start":57.730003,"end":58.230003,"sentiment":"neutral","sentiment_score":0.12777572870254517},{"text":"Well, I will try not to keep you for too long.","start":58.370003,"end":61.43,"sentiment":"neutral","sentiment_score":-0.026033508506688206},{"text":"Essentially, I do have you booked in because you had your annual review with my colleague, Samantha.","start":61.730003,"end":66.07,"sentiment":"neutral","sentiment_score":0.12381891730953665},{"text":"And following the annual review, you wanted to talk a little bit more about your performance in your portfolio.","start":67.01,"end":73.335,"sentiment":"neutral","sentiment_score":0.0892175106625808},{"text":"Is that correct?","start":73.395004,"end":74.215004,"sentiment":"neutral","sentiment_score":0.1084253837664922}],"sentiment":"neutral","sentiment_score":0.07777916829960019,"channel":0,"num_words":51,"start":57.730003,"end":74.215004},{"sentences":[{"text":"Yes.","start":74.845,"end":75.345,"sentiment":"neutral","sentiment_score":0.15098394453525543}],"sentiment":"neutral","sentiment_score":0.15098394453525543,"channel":1,"num_words":1,"start":74.845,"end":75.345},{"sentences":[{"text":"Yep.","start":75.715004,"end":76.195,"sentiment":"neutral","sentiment_score":0.18747824430465695},{"text":"Perfect.","start":76.195,"end":76.695,"sentiment":"positive","sentiment_score":0.33527252078056335},{"text":"So after the call today, you will receive an annual review pack as well.","start":76.915,"end":82.775,"sentiment":"neutral","sentiment_score":0.21197134043489183},{"text":"That's the documents that kind of you went through during the annual review with Samantha.","start":82.835,"end":86.775,"sentiment":"neutral","sentiment_score":0.1797088235616684},{"text":"Part of that will also have that portfolio performance reports that you went through with Samantha as well.","start":87.96999,"end":93.89,"sentiment":"neutral","sentiment_score":0.19781210852993858}],"sentiment":"neutral","sentiment_score":0.19891020077831892,"channel":0,"num_words":49,"start":75.715004,"end":93.89},{"sentences":[{"text":"So that kind of gives you a more oversight of of everything.","start":93.89,"end":97.189995,"sentiment":"neutral","sentiment_score":0.24170882627367973},{"text":"So when you have a moment, have a read through that one for me.","start":97.25,"end":100.549995,"sentiment":"neutral","sentiment_score":0.16558220237493515},{"text":"Any questions, let me know.","start":100.805,"end":102.424995,"sentiment":"neutral","sentiment_score":0.09845522046089172},{"text":"If not, we'll just need you to sign those documents and return it when you have a moment.","start":102.564995,"end":106.905,"sentiment":"neutral","sentiment_score":0.03480038005444738}],"sentiment":"neutral","sentiment_score":0.12933346309832164,"channel":0,"num_words":49,"start":93.89,"end":106.905},{"sentences":[{"text":"Yep.","start":107.950005,"end":108.270004,"sentiment":"neutral","sentiment_score":0.06012930721044541},{"text":"Okay.","start":108.270004,"end":108.590004,"sentiment":"neutral","sentiment_score":0.08972479403018951},{"text":"No worries.","start":108.590004,"end":109.33,"sentiment":"neutral","sentiment_score":0.09548385441303253}],"sentiment":"neutral","sentiment_score":0.085205452516675,"channel":1,"num_words":4,"start":107.950005,"end":109.33},{"sentences":[{"text":"But perfect.","start":109.284996,"end":110.104996,"sentiment":"neutral","sentiment_score":0.22402243316173553},{"text":"Now, essentially, with your portfolio, though, I just pulled a new report today this morning showing the last twelve months, how your portfolio has performed, and what kind of happened.","start":110.805,"end":122.649994,"sentiment":"neutral","sentiment_score":0.10198656221230824},{"text":"So in the last twelve months, now this is after fees as well, your portfolio has still gone up by 8.06%, which is actually pretty good given everything that's going on in the world.","start":122.649994,"end":136.895,"sentiment":"positive","sentiment_score":0.4906243572340292},{"text":"Obviously, everything","start":137.19499,"end":138.235,"sentiment":"neutral","sentiment_score":0.06846741586923599}],"sentiment":"neutral","sentiment_score":0.29890889279982624,"channel":0,"num_words":68,"start":109.284996,"end":138.235},{"sentences":[{"text":"Yep.","start":137.90001,"end":138.40001,"sentiment":"neutral","sentiment_score":0.03729093074798584}],"sentiment":"neutral","sentiment_score":0.03729093074798584,"channel":1,"num_words":1,"start":137.90001,"end":138.40001},{"sentences":[{"text":"in the last twelve months has been a bit of turbulence and stuff.","start":138.235,"end":141.215,"sentiment":"neutral","sentiment_score":-0.12921182467387274},{"text":"So despite all of that, your portfolio as an as a whole have done pretty good.","start":141.54001,"end":145.8,"sentiment":"neutral","sentiment_score":0.29273376683704555},{"text":"Now most of your investments have done really well, which you will see in the performance reports that you do receive later today as well.","start":146.02,"end":154.545,"sentiment":"positive","sentiment_score":0.46303715705871584},{"text":"But there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity.","start":155.745,"end":164.785,"sentiment":"neutral","sentiment_score":0.04287233969403638},{"text":"Was that the one that you were kind of looking at a little bit?","start":164.785,"end":167.605,"sentiment":"neutral","sentiment_score":0.00947737174906901}],"sentiment":"neutral","sentiment_score":0.16705423001396028,"channel":0,"num_words":95,"start":138.235,"end":167.605},{"sentences":[{"text":"Yeah.","start":168.01,"end":168.25,"sentiment":"neutral","sentiment_score":0.0156357754021883},{"text":"That's what we were talking about.","start":168.25,"end":169.77,"sentiment":"neutral","sentiment_score":0.009822298462192217},{"text":"Yeah.","start":169.77,"end":170.265,"sentiment":"neutral","sentiment_score":0.014791397377848623}],"sentiment":"neutral","sentiment_score":0.011170120444148779,"channel":1,"num_words":8,"start":168.01,"end":170.265},{"sentences":[{"text":"Yeah.","start":170.42,"end":170.92,"sentiment":"neutral","sentiment_score":0.0055921352468431},{"text":"Sorry.","start":171.22,"end":171.62,"sentiment":"neutral","sentiment_score":-0.0070187486708164215},{"text":"The Benelon Australian Equity, it is a little bit different to some of your other investments in that it is a managed fund.","start":171.62,"end":177.87999,"sentiment":"neutral","sentiment_score":-0.0073188702859308405},{"text":"Are you quite familiar with the different types and styles of investment?","start":178.66,"end":182.68,"sentiment":"neutral","sentiment_score":-0.00259792385622859}],"sentiment":"neutral","sentiment_score":-0.005430695034462858,"channel":0,"num_words":37,"start":170.42,"end":182.68},{"sentences":[{"text":"Not too familiar,","start":184.025,"end":185.22,"sentiment":"neutral","sentiment_score":-0.013448079427083334}],"sentiment":"neutral","sentiment_score":-0.013448079427083334,"channel":1,"num_words":3,"start":184.025,"end":185.22},{"sentences":[{"text":"Not too familiar.","start":185.345,"end":186.385,"sentiment":"neutral","sentiment_score":-0.02122008241713047},{"text":"So, essentially, you have for simplicity, you have direct shares, app managed funds, and ETFs.","start":186.385,"end":192.725,"sentiment":"neutral","sentiment_score":0.010865460522472859}],"sentiment":"neutral","sentiment_score":0.00551787003253897,"channel":0,"num_words":18,"start":185.345,"end":192.725},{"sentences":[{"text":"though.","start":192.64,"end":193.14,"sentiment":"neutral","sentiment_score":0.0031156428158283234}],"sentiment":"neutral","sentiment_score":0.0031156428158283234,"channel":1,"num_words":1,"start":192.64,"end":193.14},{"sentences":[{"text":"So direct shares is if you wanna invest, let's say, directly in BHP, that is a direct share.","start":192.945,"end":198.92,"sentiment":"neutral","sentiment_score":0.027812210532526176},{"text":"You invest directly into one particular company.","start":198.92,"end":201.74,"sentiment":"neutral","sentiment_score":0.025735709816217422},{"text":"Now in your portfolio, we don't have any direct shares for you.","start":202.28,"end":205.72,"sentiment":"neutral","sentiment_score":-0.0035256400879006833},{"text":"It's all ETFs, and you have two managed funds.","start":205.72,"end":208.45999,"sentiment":"neutral","sentiment_score":0.033802904188632965},{"text":"Obviously, that means that it is a lot more diversified for you and is not putting all your money into one basket.","start":209.24,"end":215.25499,"sentiment":"neutral","sentiment_score":0.060673964294520294}],"sentiment":"neutral","sentiment_score":0.033492873962078354,"channel":0,"num_words":68,"start":192.945,"end":215.25499},{"sentences":[{"text":"So if something were to happen, it's not like if something were to happen to one company, it's not going to make as much of a difference because you're not concentrated into one area.","start":215.25499,"end":223.995,"sentiment":"neutral","sentiment_score":-0.0250060225782149},{"text":"You then have your ETF, so you exchange traded funds.","start":225.43001,"end":229.11,"sentiment":"neutral","sentiment_score":0.04219551011919975},{"text":"So that is what most of your investments are, and these are kind of just tracking an index.","start":229.11,"end":234.65001,"sentiment":"neutral","sentiment_score":0.05451266695227888},{"text":"So for","start":234.87001,"end":235.43001,"sentiment":"neutral","sentiment_score":0.036162156611680984}],"sentiment":"neutral","sentiment_score":0.009770353935891762,"channel":0,"num_words":64,"start":215.25499,"end":235.43001},{"sentences":[{"text":"Yes.","start":235.205,"end":235.705,"sentiment":"neutral","sentiment_score":0.05998225882649422}],"sentiment":"neutral","sentiment_score":0.05998225882649422,"channel":1,"num_words":1,"start":235.205,"end":235.705},{"sentences":[{"text":"example, one of your biggest shareholding is the iShares S and P five hundred.","start":235.43001,"end":240.32501,"sentiment":"neutral","sentiment_score":0.10422991322619575},{"text":"So in that one single investment, the way that it works is that it tracks the 500 largest companies listed in The US.","start":240.945,"end":249.445,"sentiment":"neutral","sentiment_score":0.12296435366506162},{"text":"So, obviously, very diversified.","start":250.0,"end":251.62001,"sentiment":"neutral","sentiment_score":0.14607716724276543},{"text":"And as a company gets bigger and grow, you'll get added to the list.","start":251.76001,"end":255.46,"sentiment":"neutral","sentiment_score":0.30106956724609646},{"text":"If it gets smaller, it gets out.","start":255.52,"end":257.04,"sentiment":"neutral","sentiment_score":0.19168408853667124}],"sentiment":"neutral","sentiment_score":0.16820113144574628,"channel":0,"num_words":62,"start":235.43001,"end":257.04},{"sentences":[{"text":"So you're kind of just kind of steady tracking that index, which is which is a really good way and a kind of a low cost investment option.","start":257.04,"end":265.06,"sentiment":"positive","sentiment_score":0.6004465860979897}],"sentiment":"positive","sentiment_score":0.6004465860979897,"channel":0,"num_words":28,"start":257.04,"end":265.06},{"sentences":[{"text":"Yep.","start":266.11,"end":266.61,"sentiment":"neutral","sentiment_score":0.26073724031448364}],"sentiment":"neutral","sentiment_score":0.26073724031448364,"channel":1,"num_words":1,"start":266.11,"end":266.61},{"sentences":[{"text":"You then have your managed funds.","start":266.365,"end":268.04498,"sentiment":"neutral","sentiment_score":0.19160480797290802},{"text":"So that is where the Benelon comes into play.","start":268.04498,"end":270.305,"sentiment":"neutral","sentiment_score":0.17790593455235162},{"text":"Now the purpose of that is that they you have an active manager, so they're a little bit more of that active approach.","start":270.685,"end":276.625,"sentiment":"neutral","sentiment_score":0.20741366044334744},{"text":"They are trying to outperform the market.","start":277.085,"end":284.97,"sentiment":"positive","sentiment_score":0.44765426005635944},{"text":"So that was the function of why the Benelon was added to your portfolio when you came on board.","start":285.35,"end":290.49002,"sentiment":"neutral","sentiment_score":0.25019635887522446}],"sentiment":"neutral","sentiment_score":0.24075948575045913,"channel":0,"num_words":64,"start":266.365,"end":290.49002},{"sentences":[{"text":"And at that time, and up until pretty recently, it had done really well.","start":290.63,"end":294.65,"sentiment":"neutral","sentiment_score":0.26364004452313694},{"text":"It kind of had continued to outperform, and it was doing really 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well, and we do think that it's better to sell out of it and swap it for another option if you are happy to do so.","start":334.35498,"end":345.48,"sentiment":"neutral","sentiment_score":-0.0029360647942568803}],"sentiment":"neutral","sentiment_score":-0.015260080749891242,"channel":0,"num_words":49,"start":330.675,"end":345.48},{"sentences":[{"text":"Yeah.","start":346.72,"end":347.12,"sentiment":"neutral","sentiment_score":0.12497696280479433},{"text":"That's that's not a problem.","start":347.12,"end":348.575,"sentiment":"neutral","sentiment_score":0.2768200129270554}],"sentiment":"neutral","sentiment_score":0.2515128379066785,"channel":1,"num_words":6,"start":346.72,"end":348.575},{"sentences":[{"text":"Yep.","start":348.91498,"end":349.31497,"sentiment":"positive","sentiment_score":0.34407222270965576},{"text":"Perfect.","start":349.31497,"end":349.81497,"sentiment":"positive","sentiment_score":0.5898876190185547},{"text":"Now the option that we have researched that we believe are 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everything.","start":364.58,"end":367.47998,"sentiment":"neutral","sentiment_score":0.29384839460253714},{"text":"And if we are then selling out of the Sten Along Australian equities, which is focusing on your Australian investment, we do wanna swap it with another Australian investment to, again, make sure that your whole portfolio as a whole is very diverse.","start":367.93997,"end":380.76498,"sentiment":"neutral","sentiment_score":0.08827496213881775},{"text":"But so the","start":380.82498,"end":382.185,"sentiment":"neutral","sentiment_score":0.09326822807391484}],"sentiment":"neutral","sentiment_score":0.17057973119046757,"channel":0,"num_words":85,"start":354.19498,"end":382.185},{"sentences":[{"text":"Yes.","start":382.185,"end":382.685,"sentiment":"neutral","sentiment_score":0.13838350772857666}],"sentiment":"neutral","sentiment_score":0.13838350772857666,"channel":1,"num_words":1,"start":382.185,"end":382.685},{"sentences":[{"text":"a 200, instead of your Bendelon kind of actively trying to find good investment, the a two hundred tracks the 200 largest companies in Australia.","start":382.185,"end":392.44498,"sentiment":"neutral","sentiment_score":0.1825384521484375},{"text":"So the function of that one is that it is cheaper than your Benelung one, and it has also outperformed the Benelung as well.","start":393.2,"end":400.82,"sentiment":"positive","sentiment_score":0.46136804297566414},{"text":"So if you are happy for us to do so, what I will do is I will go ahead and make the change, swapping Ben along for the $8,200.","start":401.6,"end":409.93503,"sentiment":"positive","sentiment_score":0.39048374881004466},{"text":"Now what I will do is I will send you an email just for your records.","start":409.93503,"end":414.49503,"sentiment":"neutral","sentiment_score":0.21489204373210669},{"text":"You don't need to sign it, but it's just to show you the change so that you have it on record as well so that you know that we've made the change.","start":414.49503,"end":422.195,"sentiment":"neutral","sentiment_score":0.255181189160794}],"sentiment":"neutral","sentiment_score":0.30606661748791497,"channel":0,"num_words":126,"start":382.185,"end":422.195},{"sentences":[{"text":"And you will also see that change in your hub 24.","start":422.81,"end":425.45,"sentiment":"neutral","sentiment_score":0.21160250902175903},{"text":"If you are going in and checking every now and then, you will also see that change happening in the next couple of days.","start":425.45,"end":431.79,"sentiment":"neutral","sentiment_score":0.15980999326954284}],"sentiment":"neutral","sentiment_score":0.17608764107738223,"channel":0,"num_words":35,"start":422.81,"end":431.79},{"sentences":[{"text":"Yep.","start":432.465,"end":432.78497,"sentiment":"neutral","sentiment_score":0.13524731993675232},{"text":"Okay.","start":432.78497,"end":433.28497,"sentiment":"neutral","sentiment_score":0.14336809515953064}],"sentiment":"neutral","sentiment_score":0.13930770754814148,"channel":1,"num_words":2,"start":432.465,"end":433.28497},{"sentences":[{"text":"Yep.","start":433.21,"end":433.61,"sentiment":"neutral","sentiment_score":0.16660593450069427}],"sentiment":"neutral","sentiment_score":0.16660593450069427,"channel":0,"num_words":1,"start":433.21,"end":433.61},{"sentences":[{"text":"No worries.","start":433.345,"end":433.925,"sentiment":"neutral","sentiment_score":0.2330925613641739}],"sentiment":"neutral","sentiment_score":0.2330925613641739,"channel":1,"num_words":2,"start":433.345,"end":433.925},{"sentences":[{"text":"Yep.","start":433.61,"end":434.01,"sentiment":"neutral","sentiment_score":0.30070167779922485},{"text":"You're happy with all that?","start":434.01,"end":435.05,"sentiment":"positive","sentiment_score":0.5162846863269805},{"text":"That makes sense?","start":435.05,"end":436.03,"sentiment":"positive","sentiment_score":0.35938092072804767}],"sentiment":"positive","sentiment_score":0.4400297635131412,"channel":0,"num_words":9,"start":433.61,"end":436.03},{"sentences":[{"text":"Yeah.","start":436.065,"end":436.305,"sentiment":"neutral","sentiment_score":0.2900753617286682},{"text":"That 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that","start":443.005,"end":443.885,"sentiment":"neutral","sentiment_score":0.21567445620894432}],"sentiment":"neutral","sentiment_score":0.21567445620894432,"channel":0,"num_words":4,"start":443.005,"end":443.885},{"sentences":[{"text":"to","start":443.8,"end":444.3,"sentiment":"neutral","sentiment_score":0.1892285048961639}],"sentiment":"neutral","sentiment_score":0.1892285048961639,"channel":1,"num_words":1,"start":443.8,"end":444.3},{"sentences":[{"text":"you kind of wanna 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might be a mistake.","start":514.18,"end":515.62,"sentiment":"neutral","sentiment_score":-0.301739227026701},{"text":"I think there's a I wrote Ivy.","start":515.62,"end":517.56,"sentiment":"neutral","sentiment_score":-0.21394542711121695}],"sentiment":"neutral","sentiment_score":-0.26076878706614176,"channel":1,"num_words":15,"start":514.18,"end":517.56},{"sentences":[{"text":"Oh, yeah.","start":518.365,"end":519.165,"sentiment":"neutral","sentiment_score":-0.07409381121397018},{"text":"It says my, and I was like, oh, just m y.","start":519.165,"end":522.545,"sentiment":"neutral","sentiment_score":-0.08665612746368755},{"text":"That's all.","start":522.685,"end":523.505,"sentiment":"neutral","sentiment_score":-0.0801263377070427},{"text":"Is that meant 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court.","start":716.02496,"end":719.725,"sentiment":"neutral","sentiment_score":-0.18616546566287676}],"sentiment":"neutral","sentiment_score":-0.08608739583620004,"channel":0,"num_words":28,"start":711.385,"end":719.725},{"sentences":[{"text":"Yep.","start":721.185,"end":721.505,"sentiment":"neutral","sentiment_score":0.08746220916509628},{"text":"Okay.","start":721.505,"end":721.8,"sentiment":"neutral","sentiment_score":0.13916446268558502}],"sentiment":"neutral","sentiment_score":0.11331333592534065,"channel":1,"num_words":2,"start":721.185,"end":721.8},{"sentences":[{"text":"Yep.","start":722.345,"end":722.845,"sentiment":"neutral","sentiment_score":0.2041805237531662},{"text":"So I will get the team to email you those forms again so that we can get it updated.","start":723.225,"end":729.27,"sentiment":"positive","sentiment_score":0.36195568505086395},{"text":"So if something ever were to happen to you, it will go to who you want to.","start":729.33,"end":733.11005,"sentiment":"neutral","sentiment_score":0.2902665269725463}],"sentiment":"neutral","sentiment_score":0.32475322968250997,"channel":0,"num_words":37,"start":722.345,"end":733.11005},{"sentences":[{"text":"Yep.","start":733.8,"end":734.145,"sentiment":"neutral","sentiment_score":0.1722988486289978}],"sentiment":"neutral","sentiment_score":0.1722988486289978,"channel":1,"num_words":1,"start":733.8,"end":734.145},{"sentences":[{"text":"Yep.","start":734.69,"end":735.09,"sentiment":"neutral","sentiment_score":0.280417799949646},{"text":"Perfect.","start":735.09,"end":735.57,"sentiment":"positive","sentiment_score":0.5301671028137207},{"text":"If you do have any questions when you get the form and you're not sure, you can always just give me a call.","start":735.57,"end":740.565,"sentiment":"neutral","sentiment_score":0.18509471578442532}],"sentiment":"neutral","sentiment_score":0.20271053463220595,"channel":0,"num_words":25,"start":734.69,"end":740.565},{"sentences":[{"text":"Yep.","start":741.265,"end":741.585,"sentiment":"neutral","sentiment_score":0.11373402178287506},{"text":"Okay.","start":741.585,"end":741.905,"sentiment":"neutral","sentiment_score":0.1588670313358307},{"text":"No worries.","start":741.905,"end":742.565,"sentiment":"neutral","sentiment_score":0.21970894932746887}],"sentiment":"neutral","sentiment_score":0.17800473794341087,"channel":1,"num_words":4,"start":741.265,"end":742.565},{"sentences":[{"text":"Yep.","start":742.485,"end":742.805,"sentiment":"neutral","sentiment_score":0.3110896944999695},{"text":"Perfect.","start":742.805,"end":743.305,"sentiment":"positive","sentiment_score":0.48013389110565186},{"text":"Otherwise, I'll get the team to email those to you, and then also keep a lookout for that rep of of advice to show you the investment change of moving out of Bennelong and swapping for that $8,200.","start":743.765,"end":754.745,"sentiment":"neutral","sentiment_score":0.30910419241378184},{"text":"But, otherwise, before I let you go, do you have any other questions or concerns for me at this point?","start":755.63,"end":760.85004,"sentiment":"neutral","sentiment_score":-0.018995074555277824}],"sentiment":"neutral","sentiment_score":0.20262135677039622,"channel":0,"num_words":60,"start":742.485,"end":760.85004},{"sentences":[{"text":"No.","start":762.01495,"end":762.495,"sentiment":"neutral","sentiment_score":-0.33078882098197937},{"text":"Not at the moment.","start":762.495,"end":763.39496,"sentiment":"neutral","sentiment_score":-0.3323921486735344}],"sentiment":"neutral","sentiment_score":-0.3320714831352234,"channel":1,"num_words":5,"start":762.01495,"end":763.39496},{"sentences":[{"text":"No?","start":763.47003,"end":763.87,"sentiment":"neutral","sentiment_score":-0.2141917943954468},{"text":"Okay.","start":763.87,"end":764.27,"sentiment":"neutral","sentiment_score":0.05969971418380737},{"text":"Perfect.","start":764.27,"end":764.77,"sentiment":"positive","sentiment_score":0.4288254976272583},{"text":"If you do, you know, you can always just give me a call or or send me an email, and we can always book you in for another catch.","start":764.83,"end":771.01,"sentiment":"neutral","sentiment_score":0.2356689641701764},{"text":"Yep.","start":771.045,"end":771.545,"sentiment":"neutral","sentiment_score":0.18004068732261658}],"sentiment":"neutral","sentiment_score":0.22087194138404095,"channel":0,"num_words":33,"start":763.47003,"end":771.545},{"sentences":[{"text":"Yeah.","start":771.45496,"end":771.77496,"sentiment":"neutral","sentiment_score":0.2252727746963501},{"text":"No worries.","start":771.77496,"end":772.435,"sentiment":"neutral","sentiment_score":0.30499956011772156}],"sentiment":"neutral","sentiment_score":0.2784239649772644,"channel":1,"num_words":3,"start":771.45496,"end":772.435},{"sentences":[{"text":"Perfect.","start":772.805,"end":773.20496,"sentiment":"positive","sentiment_score":0.6647679805755615},{"text":"Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day.","start":773.20496,"end":777.225,"sentiment":"positive","sentiment_score":0.8057751173064822}],"sentiment":"positive","sentiment_score":0.7993657020005313,"channel":0,"num_words":22,"start":772.805,"end":777.225},{"sentences":[{"text":"Yep.","start":777.23694,"end":777.717,"sentiment":"positive","sentiment_score":0.3533307909965515},{"text":"You too.","start":777.717,"end":778.37695,"sentiment":"positive","sentiment_score":0.38548642396926874}],"sentiment":"positive","sentiment_score":0.3747678796450297,"channel":1,"num_words":3,"start":777.23694,"end":778.37695},{"sentences":[{"text":"Thanks.","start":778.64496,"end":779.14496,"sentiment":"positive","sentiment_score":0.5776524543762207},{"text":"Bye.","start":779.20496,"end":779.70496,"sentiment":"positive","sentiment_score":0.3911270499229431}],"sentiment":"positive","sentiment_score":0.4843897521495819,"channel":0,"num_words":2,"start":778.64496,"end":779.70496},{"sentences":[{"text":"Yeah.","start":779.55695,"end":780.05695,"sentiment":"neutral","sentiment_score":0.278372585773468},{"text":"Bye.","start":780.11694,"end":780.61694,"sentiment":"neutral","sentiment_score":-0.10101974010467528}],"sentiment":"neutral","sentiment_score":0.08867642283439636,"channel":1,"num_words":2,"start":779.55695,"end":780.61694}]},"summary":{"result":"success","short":"Representatives from iQ Financial speak with Lawrence to confirm his personal information and recommend a portfolio performance report. The portfolio is diversified and low-cost, with a beta share of 200 and a low-cost option of Sten Along Australia. The process of trading the portfolio for a new option is explained, including researching similar investments and updating beneficiary forms. The speaker provides instructions for updating information and offers to answer any further questions."},"intents":{"segments":[{"text":"Well, I will try not to keep you for too long. Essentially, I do have you booked in because you had your annual review with my colleague, Samantha. And following the annual review, you wanted to talk a little bit more about your performance in your portfolio. Is that correct? Yes.","start_word":147,"end_word":197,"intents":[{"intent":"Check portfolio performance","confidence_score":0.065449275}]},{"text":"So in the last twelve months, now this is after fees as well, your portfolio has still gone up by 8.06%, which is actually pretty good given everything that's going on in the world.","start_word":333,"end_word":366,"intents":[{"intent":"Provide portfolio information","confidence_score":0.0002436805}]},{"text":"Now most of your investments have done really well, which you will see in the performance reports that you do receive later today as well. But there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity. Was that the one that you were kind of looking at a little bit? Yeah.","start_word":398,"end_word":464,"intents":[{"intent":"Compare investments","confidence_score":0.004287781}]},{"text":"But there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity. Was that the one that you were kind of looking at a little bit? Yeah.","start_word":423,"end_word":464,"intents":[{"intent":"Swap portfolio","confidence_score":0.6602554},{"intent":"Discuss portfolio diversification","confidence_score":0.029017609},{"intent":"Explain portfolio structure","confidence_score":0.006780122},{"intent":"Introduce portfolio type","confidence_score":0.00009191714},{"intent":"Explain portfolio portfolio structure","confidence_score":0.00023059724}]},{"text":"Are you quite familiar with the different types and styles of investment?","start_word":497,"end_word":508,"intents":[{"intent":"Discuss investment styles","confidence_score":0.13539025},{"intent":"Discuss investment types","confidence_score":0.106034756},{"intent":"Clarify investment style","confidence_score":0.0020383035},{"intent":"Discuss investment types","confidence_score":0.04792623}]},{"text":"So you're kind of just kind of steady tracking that index, which is which is a really good way and a kind of a low cost investment option. Yep.","start_word":726,"end_word":754,"intents":[{"intent":"Track index","confidence_score":0.7153291}]},{"text":"They are trying to outperform the market.","start_word":793,"end_word":799,"intents":[{"intent":"Outperform market","confidence_score":0.9093877}]},{"text":"You may have heard of that or seen on the news that that one company had a bit of issues with their reporting, which actually meant that they were suspended from trading, which meant that everything all the prices and everything fell.","start_word":897,"end_word":938,"intents":[{"intent":"Avoid trading suspension","confidence_score":0.002178491}]},{"text":"Now the option that we have researched that we believe are going to Yeah.","start_word":996,"end_word":1009,"intents":[{"intent":"Inquire about interest","confidence_score":0.000009884379}]},{"text":"Now the option that we have researched that we believe are going to Yeah. be a lot better moving forward is just your beta shares a 200. So with the portfolio as well, we do wanna stay within the same, you know, philosophy. We wanna stay within the same risk profile and everything.","start_word":996,"end_word":1048,"intents":[{"intent":"Stay within risk profile","confidence_score":0.41773805}]},{"text":"And if we are then selling out of the Sten Along Australian equities, which is focusing on your Australian investment, we do wanna swap it with another Australian investment to, again, make sure that your whole portfolio as a whole is very diverse.","start_word":1050,"end_word":1092,"intents":[{"intent":"Swap investment","confidence_score":0.7535062}]},{"text":"Now is there any other questions or concerns with the portfolio sense or anything else that to you kind of wanna discuss me. today?","start_word":1276,"end_word":1299,"intents":[{"intent":"Discuss portfolio","confidence_score":0.04900304}]},{"text":"Now while I do have you on the phone as well, I did have a look at your beneficiary forms that you have on hub twenty four, and I do wanna just, triple check them with you. So I do have here that you have 40% to Cecilia, 30% to my, and 30% to Vincent. Yep.","start_word":1416,"end_word":1471,"intents":[{"intent":"Check beneficiary forms","confidence_score":0.15780644}]},{"text":"That sounds what was the second name? Sorry.","start_word":1471,"end_word":1478,"intents":[{"intent":"Explain naming","confidence_score":0.00071149424}]},{"text":"Oh, I think that might be a mistake. I think there's a I wrote Ivy. Oh, yeah.","start_word":1482,"end_word":1498,"intents":[{"intent":"Clarify mistake","confidence_score":0.09857993}]},{"text":"So what are their relationship to you? The the just family members.","start_word":1547,"end_word":1558,"intents":[{"intent":"Determine relationship","confidence_score":0.02896276}]},{"text":"if, yeah, so if your the people that you have nominated do not fall into this category, we can change it. So you can still give it to them. That is no problem at all.","start_word":1651,"end_word":1685,"intents":[{"intent":"Suggest changing beneficiary form","confidence_score":0.0025279792}]},{"text":"if, yeah, so if your the people that you have nominated do not fall into this category, we can change it. So you can still give it to them. That is no problem at all. We would just have to change the word age structure. So what we would have to do is we have to change it.","start_word":1651,"end_word":1708,"intents":[{"intent":"Change age structure","confidence_score":0.45767707},{"intent":"Suggest amendment","confidence_score":0.0010323396}]},{"text":"if they don't meet any of those other criterias, if something were to happen to you, the trustee of Hub twenty four would just deem that it's not a valid nomination if they don't meet those strict criteria. Okay.","start_word":1778,"end_word":1816,"intents":[{"intent":"Inquire about other forms","confidence_score":0.00010735533}]},{"text":"I think I can get them printed at work. yeah.","start_word":1845,"end_word":1854,"intents":[{"intent":"Print forms","confidence_score":0.27304542}]},{"text":"Now you can change it to that legal personal representative.","start_word":1891,"end_word":1900,"intents":[{"intent":"Suggest modifying form","confidence_score":0.0000168121}]},{"text":"If you do have any questions when you get the form and you're not sure, you can always just give me a call. Yep.","start_word":2075,"end_word":2098,"intents":[{"intent":"Offer assistance with converting forms","confidence_score":0.00007355953}]},{"text":"If you do, you know, you can always just give me a call or or send me an email, and we can always book you in for another catch. Yep. Yeah. No worries. Perfect. Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day. Yep.","start_word":2170,"end_word":2225,"intents":[{"intent":"State purpose","confidence_score":0.0039844746}]},{"text":"Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day. Yep.","start_word":2204,"end_word":2225,"intents":[{"intent":"Cloud","confidence_score":0.0000025143204}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Lawrence? Yes. Speaking.","start_word":0,"end_word":7,"sentiment":"neutral","sentiment_score":0.15078774094581604},{"text":"Good morning. This is Veronica from iQ Financial. How are you this morning? Good.","start_word":8,"end_word":21,"sentiment":"positive","sentiment_score":0.3858953416347504},{"text":"Yourself?","start_word":22,"end_word":22,"sentiment":"neutral","sentiment_score":0.2598537802696228},{"text":"Yeah. I'm well. Thanks. I had you booked in for just a quick catch up, really. Is now still a good time for you?","start_word":23,"end_word":46,"sentiment":"positive","sentiment_score":0.456984430551529},{"text":"Yeah. No no Yep. worries. Mhmm. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. No worries. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Lawrence l 01/07/1991. Unit 36 Top Street, Lambda. Yep.","start_word":47,"end_word":121,"sentiment":"neutral","sentiment_score":0.05475559830665589},{"text":"Perfect. That's exactly what I have here.","start_word":122,"end_word":128,"sentiment":"positive","sentiment_score":0.5716145634651184},{"text":"How's your morning been so far? Been busy or just kind of getting started? Yeah. Getting started. Okay. Well, I will try not to keep you for too long. Essentially, I do have you booked in because you had your annual review with my colleague, Samantha. And following the annual review, you wanted to talk a little bit more about your performance in your portfolio. Is that correct? Yes. Yep.","start_word":129,"end_word":198,"sentiment":"neutral","sentiment_score":0.0947585254907608},{"text":"Perfect.","start_word":199,"end_word":199,"sentiment":"positive","sentiment_score":0.33527252078056335},{"text":"So after the call today, you will receive an annual review pack as well. That's the documents that kind of you went through during the annual review with Samantha. Part of that will also have that portfolio performance reports that you went through with Samantha as well. So that kind of gives you a more oversight of of everything. So when you have a moment, have a read through that one for me. Any questions, let me know. If not, we'll just need you to sign those documents and return it when you have a moment. Yep. Okay. No worries. But perfect. Now, essentially, with your portfolio, though, I just pulled a new report today this morning showing the last twelve months, how your portfolio has performed, and what kind of happened.","start_word":200,"end_word":331,"sentiment":"neutral","sentiment_score":0.1443958878517151},{"text":"So in the last twelve months, now this is after fees as well, your portfolio has still gone up by 8.06%, which is actually pretty good given everything that's going on in the world.","start_word":332,"end_word":365,"sentiment":"positive","sentiment_score":0.4932401776313782},{"text":"Obviously, everything Yep. in the last twelve months has been a bit of turbulence and stuff. So despite all of that, your portfolio as an as a whole have done pretty good.","start_word":366,"end_word":397,"sentiment":"neutral","sentiment_score":0.07659979164600372},{"text":"Now most of your investments have done really well, which you will see in the performance reports that you do receive later today as well.","start_word":398,"end_word":422,"sentiment":"positive","sentiment_score":0.4608341455459595},{"text":"But there is that one portfolio that I would like to swap out for you, the one of your investments, and that is the Benelon Australian Equity. Was that the one that you were kind of looking at a little bit? Yeah. That's what we were talking about. Yeah. Yeah. Sorry. The Benelon Australian Equity, it is a little bit different to some of your other investments in that it is a managed fund. Are you quite familiar with the different types and styles of investment? Not too familiar, Not too familiar. So, essentially, you have for simplicity, you have direct shares, app managed funds, and ETFs. though. So direct shares is if you wanna invest, let's say, directly in BHP, that is a direct share. You invest directly into one particular company. Now in your portfolio, we don't have any direct shares for you. It's all ETFs, and you have two managed funds. Obviously, that means that it is a lot more diversified for you and is not putting all your money into one basket. So if something were to happen, it's not like if something were to happen to one company, it's not going to make as much of a difference because you're not concentrated into one area. You then have your ETF, so you exchange traded funds. So that is what most of your investments are, and these are kind of just tracking an index. So for Yes. example, one of your biggest shareholding is the iShares S and P five hundred. So in that one single investment, the way that it works is that it tracks the 500 largest companies listed in The US. So, obviously, very diversified. And as a company gets bigger and grow, you'll get added to the list. If it gets smaller, it gets out.","start_word":423,"end_word":725,"sentiment":"neutral","sentiment_score":0.047597568297740256},{"text":"So you're kind of just kind of steady tracking that index, which is which is a really good way and a kind of a low cost investment option.","start_word":726,"end_word":753,"sentiment":"positive","sentiment_score":0.5976654291152954},{"text":"Yep. You then have your managed funds. So that is where the Benelon comes into play. Now the purpose of that is that they you have an active manager, so they're a little bit more of that active approach.","start_word":754,"end_word":792,"sentiment":"neutral","sentiment_score":0.2050814926624298},{"text":"They are trying to outperform the market.","start_word":793,"end_word":799,"sentiment":"positive","sentiment_score":0.4513954222202301},{"text":"So that was the function of why the Benelon was added to your portfolio when you came on board. And at that time, and up until pretty recently, it had done really well.","start_word":800,"end_word":832,"sentiment":"neutral","sentiment_score":0.2580999433994293},{"text":"It kind of had continued to outperform, and it was doing really well.","start_word":833,"end_word":845,"sentiment":"positive","sentiment_score":0.4345758259296417},{"text":"However, Yep. recently, they have underperformed. There's been a couple of contributing factors. Some of it as well is some of their convictions in what they believe just hasn't played out as well. And then, also, one of their companies that they had in their portfolio was the corporate travel group. You may have heard of that or seen on the news that that one company had a bit of issues with their reporting, which actually meant that they were suspended from trading, which meant that everything all the prices and everything fell. So that's kind of been one of the reasons for the Benelon. And we've done a lot of research on the investment as well, and we do think that it's better to sell out of it and swap it for another option if you are happy to do so. Yeah. That's that's not a problem.","start_word":846,"end_word":993,"sentiment":"neutral","sentiment_score":-0.08068736642599106},{"text":"Yep. Perfect.","start_word":994,"end_word":995,"sentiment":"positive","sentiment_score":0.4423983693122864},{"text":"Now the option that we have researched that we believe are going to Yeah. be a lot better moving forward is just your beta shares a 200. So with the portfolio as well, we do wanna stay within the same, you know, philosophy. We wanna stay within the same risk profile and everything. And if we are then selling out of the Sten Along Australian equities, which is focusing on your Australian investment, we do wanna swap it with another Australian investment to, again, make sure that your whole portfolio as a whole is very diverse. But so the a Yes. 200, instead of your Bendelon kind of actively trying to find good investment, the a two hundred tracks the 200 largest companies in Australia.","start_word":996,"end_word":1120,"sentiment":"neutral","sentiment_score":0.17288501405715942},{"text":"So the function of that one is that it is cheaper than your Benelung one, and it has also outperformed the Benelung as well. So if you are happy for us to do so, what I will do is I will go ahead and make the change, swapping Ben along for the $8,200.","start_word":1121,"end_word":1173,"sentiment":"positive","sentiment_score":0.4143154323101044},{"text":"Now what I will do is I will send you an email just for your records. You don't need to sign it, but it's just to show you the change so that you have it on record as well so that you know that we've made the change. And you will also see that change in your hub 24. If you are going in and checking every now and then, you will also see that change happening in the next couple of days. Yep. Okay. Yep. No worries. Yep.","start_word":1174,"end_word":1262,"sentiment":"neutral","sentiment_score":0.21271227300167084},{"text":"You're happy with all that? That makes sense?","start_word":1263,"end_word":1270,"sentiment":"positive","sentiment_score":0.44568783044815063},{"text":"Yeah.","start_word":1271,"end_word":1271,"sentiment":"neutral","sentiment_score":0.2900753617286682},{"text":"That makes Yeah. Perfect.","start_word":1272,"end_word":1275,"sentiment":"positive","sentiment_score":0.4471939504146576},{"text":"Now is there any other questions or concerns with the portfolio sense or anything else that to you kind of wanna discuss me. today? Yep. I'm not too sure, but because I've I logged on to the hop 24, and there's something that says one or more accounts have a low cash account balance. Yep. So you don't have to worry too much about that. It's just a notification when the balance does get a little bit low. We have auto invest on your account as well. So sometimes it is when you have contributions going into the account, it gets auto invested every month. And just as it gets invested, the cash can be a little bit low, but then contributions come in, and it kind of rebalances everything for you. Okay. Sure. No worries. Yeah. Yeah.","start_word":1276,"end_word":1413,"sentiment":"neutral","sentiment_score":0.15856942534446716},{"text":"Perfect.","start_word":1414,"end_word":1414,"sentiment":"positive","sentiment_score":0.5487383604049683},{"text":"Now while I do have you on the phone as well, I did have a look at your beneficiary forms that you have on hub twenty four, and I do wanna just, triple check them with you. So I do have here that you have 40% to Cecilia, 30% to my, and 30% to Vincent. Yep. That sounds what was the second name? Sorry. My, m y? Oh, I think that might be a mistake. I think there's a I wrote Ivy. Oh, yeah. It says my, and I was like, oh, just m y. That's all. Is that meant to Yeah. be Ivy? Yes. I think that Yeah. might be. Yep. Yeah. No. That's okay. Now it says here that the type of nomination you have selected is an interdependent relationship. So what are their relationship to you? The the just family members. Family members? Yep. And are either of them financially dependent on you? Do you live with No. them? No. No. So, basically, to make a direct nomination with Not through superannuation, they do make it quite strict on who you can actually nominate directly. The only people that you can nominate straight through superannuation is either a spouse, a child, or someone that has a financial dependent or interdependent relationship, which means that you do have to live together and financially rely on you at the time of your passing. So Okay. if, yeah, so if your the people that you have nominated do not fall into this category, we can change it. So you can still give it to them. That is no problem at all. We would just have to change the word age structure. So what we would have to do is we have to change it. So on the form, you would choose a legal personal representative at a 100%. What that means is that it reverts back to a will. Then in the will, you can stipulate that you want it to go to whoever you want. That can be family member. It can be a friend. It can be anyone. So that's how you can kind of go around it. But Okay.","start_word":1415,"end_word":1776,"sentiment":"neutral","sentiment_score":0.022777775302529335},{"text":"if they don't meet any of those other criterias, if something were to happen to you, the trustee of Hub twenty four would just deem that it's not a valid nomination if they don't meet those strict criteria.","start_word":1777,"end_word":1814,"sentiment":"negative","sentiment_score":-0.45200347900390625},{"text":"Okay. I see. Yep. Yeah. So what I can do is do you have access to a printer, or do you prefer things to be posted to you? Print Yeah. I think I can get them printed at work. yeah. So what I can do is I can get the team to email you the forms again. Yep. I'll include a cover letter as well for you, and then if you can print it off completed. Now you can change it to that legal personal representative. It just means that do you have a will at the moment? I don't think so. No. No? Okay. So I do recommend to get a will sorted, and then in the will, you can stipulate that you want it to go through Cecilia, Ivy, and Vincent or whoever you want to as well. You can obviously go through the lawyer, which is the most comprehensive way of doing it. But if you don't want to do that, because, obviously, it will cost a little bit more, you can even just get, like, little kits from the post office, which is a lot cheaper. The only thing with that is just making sure you read instructions and complete it correctly. So if something were to happen, it does held up in court. Yep. Okay. Yep.","start_word":1815,"end_word":2035,"sentiment":"neutral","sentiment_score":0.08948151022195816},{"text":"So I will get the team to email you those forms again so that we can get it updated.","start_word":2036,"end_word":2054,"sentiment":"positive","sentiment_score":0.3635210692882538},{"text":"So if something ever were to happen to you, it will go to who you want to. Yep. Yep.","start_word":2055,"end_word":2073,"sentiment":"neutral","sentiment_score":0.27541232109069824},{"text":"Perfect.","start_word":2074,"end_word":2074,"sentiment":"positive","sentiment_score":0.5301671028137207},{"text":"If you do have any questions when you get the form and you're not sure, you can always just give me a call. Yep. Okay. No worries. Yep.","start_word":2075,"end_word":2102,"sentiment":"neutral","sentiment_score":0.1889978051185608},{"text":"Perfect.","start_word":2103,"end_word":2103,"sentiment":"positive","sentiment_score":0.48013389110565186},{"text":"Otherwise, I'll get the team to email those to you, and then also keep a lookout for that rep of of advice to show you the investment change of moving out of Bennelong and swapping for that $8,200. But, otherwise, before I let you go, do you have any other questions or concerns for me at this point? No.","start_word":2104,"end_word":2162,"sentiment":"neutral","sentiment_score":0.17918252136747717},{"text":"Not at the moment.","start_word":2163,"end_word":2166,"sentiment":"negative","sentiment_score":-0.3344807028770447},{"text":"No? Okay.","start_word":2167,"end_word":2168,"sentiment":"neutral","sentiment_score":-0.0772460401058197},{"text":"Perfect.","start_word":2169,"end_word":2169,"sentiment":"positive","sentiment_score":0.4288254976272583},{"text":"If you do, you know, you can always just give me a call or or send me an email, and we can always book you in for another catch. Yep. Yeah. No worries.","start_word":2170,"end_word":2202,"sentiment":"neutral","sentiment_score":0.23550258576869965},{"text":"Perfect. Well, thank you so much for your time this morning, and I hope you have a lovely rest of your day. Yep. You too. Thanks. Bye.","start_word":2203,"end_word":2229,"sentiment":"positive","sentiment_score":0.6789457201957703},{"text":"Yeah. Bye.","start_word":2230,"end_word":2231,"sentiment":"neutral","sentiment_score":0.23515383899211884}],"average":{"sentiment":"neutral","sentiment_score":0.12590377548993645}}}}