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I had sent you through the DocuSign with your annual review docs attached, and I have sort of outlined a bit of an email there separately as well to kind of run you through the annual review information just in case you were extremely busy. But, honestly, I'm so glad that you called back. I did have a bit of a look at things prior to my original call, and there's definitely some advice I'd like to look at to sort of help you move things along a little bit as well. So do you have time now to run through things with me and have a look at your annual review documents? Yeah. Absolutely. Cindy, do you happen to have your email open there at the moment as well? Yes, ma'am. You're right. Not a problem. I can hear you've got Bobby in the background there. Is that right? Oh, look. Honestly, please don't worry. I have children as well. So if he does need... If that's fussing you, just let me know, and I'll happily stop. It's not a problem at all. That's okay. So on the first document, when you do see your email there, it'll just say summary of superannuation and insurances. If you could just let me know when you can see that one. Summary of superannuation and insurances should be the first document in the in the order signed there. That's okay. Yeah. Yeah. Beautiful. So it's giving you an update there of your balance there. So as of the September 28, which is when these documents were prepared, the current balance showing 82,482 thousand $421.66 there within hub twenty four. Having a look back at your balance last year, your annual review, you had about 62,625. There has been an increase there. When you sort of look at how the performance has been with the individual investments, if you go forward to the next page, you'll see your performance report with the internal rate of return. Yeah. The first page there does outline all the individual investments, how they have performed, essentially. Majority of things have gone really well. This year has been very up and down with the markets with everything that has been going on globally. And with your portfolio, you have stayed and remained invested throughout those ups and downs. So looking at all the individual investments, most things have done quite well. Just noting the top investment there, the Bennelong Australian Equities. Now this investment has been down. That investment manager was originally placed in your super as more of an actively managed fund there. So the investment manager within the Bennelong Fund is supposed to be trying to pick and time the market outperform against the market. They haven't been able to do that this year. So it does sort of mean, sure. Absolutely. Yeah. Yeah. Yeah. Yes. Oh, of course. Absolutely. So on the first line there, you've got your individual investments there. When you go to the second last column, you'll have your internal rate of return. That is showing you how the individual investments have performed individually over the past twelve months. Okay? Yep. That was in there 12 months ago with how much you had in there. Yeah. That's a negative. So because of the brackets around it, it's showing as a negative figure. Yeah. So with that first one there, this time last year, you had $9,589.49 in there. In that time, money's been invested in. Well, you've invested $637 into that investment there. That shows the current market value. And then the next column, you've got the income that's being produced out of the investment. So think about dividends out of being paid. The following... Yeah. Yeah. So the growth in the period shows a negative as well. So it means that the portfolio, the BANELON Australian Equities investment is down as a dollar figure by $18.85 and 25¢, and it's 17% drop on the investment for that individual investment there. So it does look... It looks bigger because it's a percentage, but, realistically, you've not lost a lot of money in there. But I don't want that to compound and get any bigger. So because that investment isn't working the way we want it to, it had been performing really well for a certain period of time. It's just that it's, no, you're absolutely fine. It had been performing really well up until a certain period of time. It's just that recently, it's not performing as well. So we wanna take a step to remove that for you now. Okay? Yeah. Yeah. To make it a bit easier, if you look at the second page of that document there... Yeah. Beautiful. And you look at the same... You alright? No. You're absolutely fine. If you look at the second last column of that same report, it basically correlates everything from the above page and correlates into how your total portfolio. So they pull all the investments together, all the income, all the growth, and everything is a correlate, and it shows that for the for the whole year, your total portfolio has made after fees 4.13. So it is much more of a lower rate of return, but it does show over all your up on last year. Your portfolio has still made money. You're still seeing a positive return, albeit it is very much lower, and it is sort of being held back mostly by that Bennelong investment there. Everything else, if you look at that first page, is up doing really well. Most things have, you know, gone through the ups and downs this year quite positively. It's just that one investment seems to be holding your portfolio back a little bit. So we do wanna look at removing that one out. Does that make sense? Yeah. Yeah. All good. So what I sort of wanted to find out from you... And if you don't have a preference, it's absolutely fine. When we look at the different ways in order to invest in our super, we can have, investments that are actively managed like that then along Australian equities investment where the fund manager is supposed to be trying to outperform against the market. There's no guarantees they can do so. They don't every year guaranteed. And you can pay a little bit more in investment fees to have those sorts of investments in your portfolio. Or we could look at maybe having more of a lower cost investment option and replace that something with more... Something more passive, which over the longer term could save you in fees and also perform much better depending on the market conditions. Is there a preference to see how you would like to see your portfolio developed, or do you have any further questions there? Yeah. Yeah. Yep. Yeah. Absolutely. Honestly, when I sort of look at the way most investments do perform, active managers can outperform against the market when they do really well. However, they don't do it every year. If you had a look at all the active managers on the market, you'll find that some years, some do really well. Other years, those same investment managers underperform very heavily. In order for an active manager to outperform against the market, it also needs to not drop as much as the market does. So, you know, they don't have to perform great to be able to beat the market. It's just about how how they do, but they don't always do it, and you tend to pay more money. Realistically, if you were to have a portfolio built on, you know, seven to 10 different ETFs, we could get sometimes better returns, maybe lower the cost of fees within your portfolio, and maybe get your super working a little bit harder for you. Would that be something you're more open to? Exchange traded funds. So they're managed funds that you can buy on an exchange like the ASX, like the Australian stock market. Yeah. Yeah. Yeah. Absolutely. I'll have a look at the options I've got. I... I've had a bit of a look prime. There's definitely some things I'd love to be able to swap out for you. I'll have a look at the rest of your portfolio as well to see maybe if changing or switching things out in other areas might also help you provide, you know, greater long term growth as well. So I can have a look at all those options and maybe do some switching, update your portfolio for you, and see what we can do to lower the cost of your portfolio, but also look at, you know, trying to get it working a bit harder for you. Does that sound okay, Sandeep? Yeah. That's okay. Yeah. Absolutely. Please please feel free to ask me any questions. One of the things I really enjoy about my job is being able to educate because you're right. Not a lot of people understand a lot of this. So please feel free to ask me any questions you have. I'll break it down as much as I can. And if you're still not sure, let me know, and I'll, you know, make sure to help you understand it further. So, yeah, is there anything question wise at the moment? Sure. No. Mhmm. So sorry. So you... Okay. So listed securities. So those are essentially your ETFs, your exchange traded funds. These ones here are diversified managed fund, essentially. They're not actively managed like the ones above are. It's just the sort of way they are set up. So if you think about, as example, the physical gold, that one there is giving you access and exposure to actual physical gold bullion, and that is tracking how gold trades. If you look at the very bottom one, the S and P 500, this here is tracking the top 500 companies on the American S and P 500 index. So the ETF itself is tracking a certain industries. It's essentially passively managed because it's not trying... You don't have active managers or you don't have investment managers or people trying to buy and sell and time the market. Essentially, that investment is tracking the S and P 500 index. So whenever there's a change in the index, this investment makes a change in line with that. The idea is you have what's called passive or active management. So passive management is when you're in an investment that just tracks a certain market, a certain condition, or just, you know, follows a certain industries, and it just goes up and down with the market. They make very little changes unless changes need to be made in the index or in the area of the market that they're tracking. Whereas an actively managed managed fund like Bannalong, you have the investment managers looking at everything on a much wider scale. They're looking at the investments. They're doing a lot more, you know, I think Warren Buffett style. They're buying in and trying to time the market. They're picking, you know, when the stock might be the right price to buy in at, and they're valuing all the investments individually. So the benefit to an ETF is that it is... Tends to be a lot cheaper to hold. You tend to see a lot less changes. They can... Because they stay invested through the ups and downs, and they're not trying to time the market, they can get much better returns for your super over the longer term. And they're often a lot cheaper as well because you don't have someone trying to time the market, trying to value individual investments. They're just watching what the index does or the investments that they're tracking on the market, what they do, and making changes as they need to. They make less changes over the course of the year than an active manager realistically does. Does that make sense? Yeah. Mhmm. Yeah. Yes. That's a really good question. So, essentially, we've got thousands of different ETFs and managed funds and investments that we can essentially invest in. So what we do is our investment committee as well as the advisers, we go back and we have a look at your risk profiling. We have a look at how much time you have between now to when you're wanting to access your super, and we have a look at how the different investments have been invested. We look at what index they're tracking. We have a look at what they're invested in, how many investments they're in... Invested in, and, you know, what they're sort of doing. We have a look at the cost inside of that, and we build portfolios with different ETFs or different managed funds there to try and make sure that they're working harder for you to give you a diversified range of investments. 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Sandeep. This is Dana from OKIE Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks so much for returning my call. How's your day been? No. That's absolutely fine. I had sent you through the DocuSign with your annual review docs attached, and I have sort of outlined a bit of an email there separately as well to kind of run you through the annual review information just in case you were extremely busy.\n\nBut, honestly, I'm so glad that you called back. I did have a bit of a look at things prior to my original call, and there's definitely some advice I'd like to look at to sort of help you move things along a little bit as well. So do you have time now to run through things with me and have a look at your annual review documents? Yeah. Absolutely.\n\nCindy, do you happen to have your email open there at the moment as well? Yes, ma'am. You're right. Not a problem. I can hear you've got Bobby in the background there.\n\nIs that right? Oh, look. Honestly, please don't worry. I have children as well. So if he does need...\n\nIf that's fussing you, just let me know, and I'll happily stop. It's not a problem at all. That's okay. So on the first document, when you do see your email there, it'll just say summary of superannuation and insurances. If you could just let me know when you can see that one.\n\nSummary of superannuation and insurances should be the first document in the in the order signed there. That's okay. Yeah. Yeah. Beautiful.\n\nSo it's giving you an update there of your balance there. So as of the September 28, which is when these documents were prepared, the current balance showing 82,482 thousand $421.66 there within hub twenty four. Having a look back at your balance last year, your annual review, you had about 62,625. There has been an increase there. When you sort of look at how the performance has been with the individual investments, if you go forward to the next page, you'll see your performance report with the internal rate of return.\n\nYeah. The first page there does outline all the individual investments, how they have performed, essentially. Majority of things have gone really well. This year has been very up and down with the markets with everything that has been going on globally. And with your portfolio, you have stayed and remained invested throughout those ups and downs.\n\nSo looking at all the individual investments, most things have done quite well. Just noting the top investment there, the Bennelong Australian Equities. Now this investment has been down. That investment manager was originally placed in your super as more of an actively managed fund there. So the investment manager within the Bennelong Fund is supposed to be trying to pick and time the market outperform against the market.\n\nThey haven't been able to do that this year. So it does sort of mean, sure. Absolutely. Yeah. Yeah.\n\nYeah. Yes. Oh, of course. Absolutely. So on the first line there, you've got your individual investments there.\n\nWhen you go to the second last column, you'll have your internal rate of return. That is showing you how the individual investments have performed individually over the past twelve months. Okay? Yep. That was in there 12 months ago with how much you had in there.\n\nYeah. That's a negative. So because of the brackets around it, it's showing as a negative figure. Yeah. So with that first one there, this time last year, you had $9,589.49 in there.\n\nIn that time, money's been invested in. Well, you've invested $637 into that investment there. That shows the current market value. And then the next column, you've got the income that's being produced out of the investment. So think about dividends out of being paid.\n\nThe following... Yeah. Yeah. So the growth in the period shows a negative as well. So it means that the portfolio, the BANELON Australian Equities investment is down as a dollar figure by $18.85 and 25¢, and it's 17% drop on the investment for that individual investment there.\n\nSo it does look... It looks bigger because it's a percentage, but, realistically, you've not lost a lot of money in there. But I don't want that to compound and get any bigger. So because that investment isn't working the way we want it to, it had been performing really well for a certain period of time. It's just that it's, no, you're absolutely fine.\n\nIt had been performing really well up until a certain period of time. It's just that recently, it's not performing as well. So we wanna take a step to remove that for you now. Okay? Yeah.\n\nYeah. To make it a bit easier, if you look at the second page of that document there... Yeah. Beautiful. And you look at the same...\n\nYou alright? No. You're absolutely fine. If you look at the second last column of that same report, it basically correlates everything from the above page and correlates into how your total portfolio. So they pull all the investments together, all the income, all the growth, and everything is a correlate, and it shows that for the for the whole year, your total portfolio has made after fees 4.13.\n\nSo it is much more of a lower rate of return, but it does show over all your up on last year. Your portfolio has still made money. You're still seeing a positive return, albeit it is very much lower, and it is sort of being held back mostly by that Bennelong investment there. Everything else, if you look at that first page, is up doing really well. Most things have, you know, gone through the ups and downs this year quite positively.\n\nIt's just that one investment seems to be holding your portfolio back a little bit. So we do wanna look at removing that one out. Does that make sense? Yeah. Yeah.\n\nAll good. So what I sort of wanted to find out from you... And if you don't have a preference, it's absolutely fine. When we look at the different ways in order to invest in our super, we can have, investments that are actively managed like that then along Australian equities investment where the fund manager is supposed to be trying to outperform against the market. There's no guarantees they can do so.\n\nThey don't every year guaranteed. And you can pay a little bit more in investment fees to have those sorts of investments in your portfolio. Or we could look at maybe having more of a lower cost investment option and replace that something with more... Something more passive, which over the longer term could save you in fees and also perform much better depending on the market conditions. Is there a preference to see how you would like to see your portfolio developed, or do you have any further questions there?\n\nYeah. Yeah. Yep. Yeah. Absolutely.\n\nHonestly, when I sort of look at the way most investments do perform, active managers can outperform against the market when they do really well. However, they don't do it every year. If you had a look at all the active managers on the market, you'll find that some years, some do really well. Other years, those same investment managers underperform very heavily. In order for an active manager to outperform against the market, it also needs to not drop as much as the market does.\n\nSo, you know, they don't have to perform great to be able to beat the market. It's just about how how they do, but they don't always do it, and you tend to pay more money. Realistically, if you were to have a portfolio built on, you know, seven to 10 different ETFs, we could get sometimes better returns, maybe lower the cost of fees within your portfolio, and maybe get your super working a little bit harder for you. Would that be something you're more open to? Exchange traded funds.\n\nSo they're managed funds that you can buy on an exchange like the ASX, like the Australian stock market. Yeah. Yeah. Yeah. Absolutely.\n\nI'll have a look at the options I've got. I... I've had a bit of a look prime. There's definitely some things I'd love to be able to swap out for you. I'll have a look at the rest of your portfolio as well to see maybe if changing or switching things out in other areas might also help you provide, you know, greater long term growth as well.\n\nSo I can have a look at all those options and maybe do some switching, update your portfolio for you, and see what we can do to lower the cost of your portfolio, but also look at, you know, trying to get it working a bit harder for you. Does that sound okay, Sandeep? Yeah. That's okay. Yeah.\n\nAbsolutely. Please please feel free to ask me any questions. One of the things I really enjoy about my job is being able to educate because you're right. Not a lot of people understand a lot of this. So please feel free to ask me any questions you have.\n\nI'll break it down as much as I can. And if you're still not sure, let me know, and I'll, you know, make sure to help you understand it further. So, yeah, is there anything question wise at the moment? Sure. No.\n\nMhmm. So sorry. So you... Okay. So listed securities.\n\nSo those are essentially your ETFs, your exchange traded funds. These ones here are diversified managed fund, essentially. They're not actively managed like the ones above are. It's just the sort of way they are set up. So if you think about, as example, the physical gold, that one there is giving you access and exposure to actual physical gold bullion, and that is tracking how gold trades.\n\nIf you look at the very bottom one, the S and P 500, this here is tracking the top 500 companies on the American S and P 500 index. So the ETF itself is tracking a certain industries. It's essentially passively managed because it's not trying... You don't have active managers or you don't have investment managers or people trying to buy and sell and time the market. Essentially, that investment is tracking the S and P 500 index.\n\nSo whenever there's a change in the index, this investment makes a change in line with that. The idea is you have what's called passive or active management. So passive management is when you're in an investment that just tracks a certain market, a certain condition, or just, you know, follows a certain industries, and it just goes up and down with the market. They make very little changes unless changes need to be made in the index or in the area of the market that they're tracking. Whereas an actively managed managed fund like Bannalong, you have the investment managers looking at everything on a much wider scale.\n\nThey're looking at the investments. They're doing a lot more, you know, I think Warren Buffett style. They're buying in and trying to time the market. They're picking, you know, when the stock might be the right price to buy in at, and they're valuing all the investments individually. So the benefit to an ETF is that it is...\n\nTends to be a lot cheaper to hold. You tend to see a lot less changes. They can... Because they stay invested through the ups and downs, and they're not trying to time the market, they can get much better returns for your super over the longer term. And they're often a lot cheaper as well because you don't have someone trying to time the market, trying to value individual investments.\n\nThey're just watching what the index does or the investments that they're tracking on the market, what they do, and making changes as they need to. They make less changes over the course of the year than an active manager realistically does. Does that make sense? Yeah. Mhmm.\n\nYeah. Yes. That's a really good question. So, essentially, we've got thousands of different ETFs and managed funds and investments that we can essentially invest in. So what we do is our investment committee as well as the advisers, we go back and we have a look at your risk profiling.\n\nWe have a look at how much time you have between now to when you're wanting to access your super, and we have a look at how the different investments have been invested. We look at what index they're tracking. We have a look at what they're invested in, how many investments they're in... Invested in, and, you know, what they're sort of doing. We have a look at the cost inside of that, and we build portfolios with different ETFs or different managed funds there to try and make sure that they're working harder for you to give you a diversified range of investments.\n\nSo when we say diversified, we mean a wide range of different investments.","paragraphs":[{"sentences":[{"text":"Hi, Sandeep.","start":2.0,"end":2.72,"sentiment":"neutral","sentiment_score":0.12377847731113434},{"text":"This is Dana from OKIE Financial.","start":2.72,"end":4.26,"sentiment":"neutral","sentiment_score":0.1320161148905754},{"text":"How are you this afternoon?","start":4.3199997,"end":5.46,"sentiment":"neutral","sentiment_score":0.1820355772972107},{"text":"I'm very well.","start":7.52,"end":8.32,"sentiment":"positive","sentiment_score":0.5890004436175028},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.6945149600505829}],"sentiment":"neutral","sentiment_score":0.28365904341141385,"num_words":18,"start":2.0,"end":8.72},{"sentences":[{"text":"Thanks so much for returning my call.","start":8.72,"end":10.4,"sentiment":"positive","sentiment_score":0.6622956309999738},{"text":"How's your day been?","start":10.4,"end":11.7,"sentiment":"neutral","sentiment_score":0.3298330157995224},{"text":"No.","start":14.235,"end":14.735,"sentiment":"neutral","sentiment_score":-0.23720131814479828},{"text":"That's absolutely fine.","start":16.474998,"end":17.595,"sentiment":"positive","sentiment_score":0.35350821415583294},{"text":"I had sent you through the DocuSign with your annual review docs attached, and I have sort of outlined a bit of an email there separately as well to kind of run you through the annual review information just in case you were extremely busy.","start":17.595,"end":28.539999,"sentiment":"neutral","sentiment_score":0.13592546160022417}],"sentiment":"neutral","sentiment_score":0.21492284294217825,"num_words":60,"start":8.72,"end":28.539999},{"sentences":[{"text":"But, honestly, I'm so glad that you called back.","start":28.539999,"end":31.119999,"sentiment":"positive","sentiment_score":0.6530089775721232},{"text":"I did have a bit of a look at things prior to my original call, and there's definitely some advice I'd like to look at to sort of help you move things along a little bit as well.","start":31.66,"end":40.14,"sentiment":"positive","sentiment_score":0.35842561682588175},{"text":"So do you have time now to run through things with me and have a look at your annual review documents?","start":40.14,"end":46.265,"sentiment":"neutral","sentiment_score":0.08339262789204008},{"text":"Yeah.","start":47.684998,"end":48.085,"sentiment":"neutral","sentiment_score":0.0751175805926323},{"text":"Absolutely.","start":48.085,"end":48.585,"sentiment":"neutral","sentiment_score":0.07941959798336029}],"sentiment":"neutral","sentiment_score":0.30575766574059215,"num_words":70,"start":28.539999,"end":48.585},{"sentences":[{"text":"Cindy, do you happen to have your email open there at the moment as well?","start":49.045,"end":52.585,"sentiment":"neutral","sentiment_score":0.04070374518632889},{"text":"Yes, ma'am.","start":56.14,"end":58.46,"sentiment":"neutral","sentiment_score":0.06758190132677555},{"text":"You're right.","start":58.46,"end":59.1,"sentiment":"neutral","sentiment_score":0.09292318299412727},{"text":"Not a problem.","start":59.1,"end":59.66,"sentiment":"neutral","sentiment_score":0.10725815842549007},{"text":"I can hear you've got Bobby in the background there.","start":59.66,"end":61.739998,"sentiment":"neutral","sentiment_score":0.051041973009705546}],"sentiment":"neutral","sentiment_score":0.05511751724407077,"num_words":32,"start":49.045,"end":61.739998},{"sentences":[{"text":"Is that right?","start":61.739998,"end":62.64,"sentiment":"neutral","sentiment_score":0.057557626316944756},{"text":"Oh, look.","start":67.215,"end":69.05499,"sentiment":"neutral","sentiment_score":0.00024172384291887197},{"text":"Honestly, please don't worry.","start":69.05499,"end":70.494995,"sentiment":"neutral","sentiment_score":0.03462269017472863},{"text":"I have children as well.","start":70.494995,"end":71.854996,"sentiment":"neutral","sentiment_score":0.05058997571468353},{"text":"So if he does need...","start":71.854996,"end":73.295,"sentiment":"neutral","sentiment_score":0.02872661463916302}],"sentiment":"neutral","sentiment_score":0.03727526521604312,"num_words":19,"start":61.739998,"end":73.295},{"sentences":[{"text":"If that's fussing you, just let me know, and I'll happily stop.","start":73.295,"end":76.174995,"sentiment":"neutral","sentiment_score":0.047338694877301656},{"text":"It's not a problem at all.","start":76.174995,"end":77.875,"sentiment":"neutral","sentiment_score":0.19672144452730814},{"text":"That's okay.","start":79.295,"end":80.274994,"sentiment":"neutral","sentiment_score":0.210670568048954},{"text":"So on the first document, when you do see your email there, it'll just say summary of superannuation and insurances.","start":81.17,"end":86.71,"sentiment":"neutral","sentiment_score":0.0931515272706747},{"text":"If you could just let me know when you can see that one.","start":86.85,"end":89.509995,"sentiment":"neutral","sentiment_score":0.07491846267993633}],"sentiment":"neutral","sentiment_score":0.09446612645362346,"num_words":53,"start":73.295,"end":89.509995},{"sentences":[{"text":"Summary of superannuation and insurances should be the first document in the in the order signed there.","start":94.115,"end":100.135,"sentiment":"neutral","sentiment_score":0.0407291526960976},{"text":"That's okay.","start":102.675,"end":103.495,"sentiment":"neutral","sentiment_score":-0.05435545556247234},{"text":"Yeah.","start":105.395004,"end":105.895004,"sentiment":"neutral","sentiment_score":0.0008689425885677338},{"text":"Yeah.","start":118.755,"end":119.155,"sentiment":"neutral","sentiment_score":0.31445491313934326},{"text":"Beautiful.","start":119.155,"end":119.635,"sentiment":"positive","sentiment_score":0.6088022589683533}],"sentiment":"neutral","sentiment_score":0.06853685451840813,"num_words":22,"start":94.115,"end":119.635},{"sentences":[{"text":"So it's giving you an update there of your balance there.","start":119.635,"end":121.795,"sentiment":"neutral","sentiment_score":0.28886185721917584},{"text":"So as of the September 28, which is when these documents were prepared, the current balance showing 82,482 thousand $421.66 there within hub twenty four.","start":121.795,"end":133.655,"sentiment":"neutral","sentiment_score":0.10894260793924332},{"text":"Having a look back at your balance last year, your annual review, you had about 62,625.","start":133.79001,"end":139.47,"sentiment":"neutral","sentiment_score":0.11368826078251004},{"text":"There has been an increase there.","start":139.47,"end":141.33,"sentiment":"neutral","sentiment_score":0.0848373423020045},{"text":"When you sort of look at how the performance has been with the individual investments, if you go forward to the next page, you'll see your performance report with the internal rate of return.","start":142.35,"end":151.465,"sentiment":"neutral","sentiment_score":0.11129665791111834}],"sentiment":"neutral","sentiment_score":0.13057791546958944,"num_words":92,"start":119.635,"end":151.465},{"sentences":[{"text":"Yeah.","start":153.925,"end":154.425,"sentiment":"neutral","sentiment_score":0.1364307403564453},{"text":"The first page there does outline all the individual investments, how they have performed, essentially.","start":154.645,"end":159.385,"sentiment":"neutral","sentiment_score":0.1835755745569865},{"text":"Majority of things have gone really well.","start":160.18,"end":162.02,"sentiment":"neutral","sentiment_score":0.26619876069681986},{"text":"This year has been very up and down with the markets with everything that has been going on globally.","start":162.02,"end":166.44,"sentiment":"neutral","sentiment_score":-0.10514099425391148},{"text":"And with your portfolio, you have stayed and remained invested throughout those ups and downs.","start":166.66,"end":170.9,"sentiment":"neutral","sentiment_score":-0.02596735234061877}],"sentiment":"neutral","sentiment_score":0.041513447502726,"num_words":57,"start":153.925,"end":170.9},{"sentences":[{"text":"So looking at all the individual investments, most things have done quite well.","start":170.9,"end":175.48,"sentiment":"neutral","sentiment_score":0.23285187436984137},{"text":"Just noting the top investment there, the Bennelong Australian Equities.","start":175.835,"end":179.035,"sentiment":"neutral","sentiment_score":0.04604556616395712},{"text":"Now this investment has been down.","start":179.035,"end":180.955,"sentiment":"neutral","sentiment_score":-0.14905316879351935},{"text":"That investment manager was originally placed in your super as more of an actively managed fund there.","start":180.955,"end":187.595,"sentiment":"neutral","sentiment_score":-0.08636252078063347},{"text":"So the investment manager within the Bennelong Fund is supposed to be trying to pick and time the market outperform against the market.","start":187.595,"end":194.48001,"sentiment":"neutral","sentiment_score":-0.03029400004964808}],"sentiment":"neutral","sentiment_score":0.006207045815561129,"num_words":69,"start":170.9,"end":194.48001},{"sentences":[{"text":"They haven't been able to do that this year.","start":194.48001,"end":196.66,"sentiment":"neutral","sentiment_score":-0.18505319952964783},{"text":"So it does sort of mean, sure.","start":197.6,"end":200.1,"sentiment":"neutral","sentiment_score":-0.03446474631450006},{"text":"Absolutely.","start":200.24,"end":200.74,"sentiment":"neutral","sentiment_score":0.03966943919658661},{"text":"Yeah.","start":202.48001,"end":202.98001,"sentiment":"neutral","sentiment_score":-0.003244539722800255},{"text":"Yeah.","start":205.6,"end":206.085,"sentiment":"neutral","sentiment_score":-0.00961166713386774}],"sentiment":"neutral","sentiment_score":-0.09894309408570591,"num_words":19,"start":194.48001,"end":206.085},{"sentences":[{"text":"Yeah.","start":209.04501,"end":209.54501,"sentiment":"neutral","sentiment_score":-0.024686411023139954},{"text":"Yes.","start":210.16501,"end":210.66501,"sentiment":"neutral","sentiment_score":0.04520086944103241},{"text":"Oh, of course.","start":213.445,"end":214.505,"sentiment":"neutral","sentiment_score":0.21973314881324768},{"text":"Absolutely.","start":214.565,"end":215.065,"sentiment":"positive","sentiment_score":0.4988532066345215},{"text":"So on the first line there, you've got your individual investments there.","start":215.60501,"end":219.365,"sentiment":"neutral","sentiment_score":0.18601692405839762}],"sentiment":"neutral","sentiment_score":0.18948723334405157,"num_words":18,"start":209.04501,"end":219.365},{"sentences":[{"text":"When you go to the second last column, you'll have your internal rate of return.","start":219.365,"end":223.28,"sentiment":"neutral","sentiment_score":0.12137557069460551},{"text":"That is showing you how the individual investments have performed individually over the past twelve months.","start":223.58,"end":229.84,"sentiment":"neutral","sentiment_score":0.10857016127556562},{"text":"Okay?","start":229.98,"end":230.48,"sentiment":"neutral","sentiment_score":0.05643729865550995},{"text":"Yep.","start":235.705,"end":235.94499,"sentiment":"neutral","sentiment_score":0.05430584400892258},{"text":"That was in there 12 months ago with how much you had in there.","start":235.94499,"end":239.065,"sentiment":"neutral","sentiment_score":0.03839482433561768}],"sentiment":"neutral","sentiment_score":0.08948993242960027,"num_words":47,"start":219.365,"end":239.065},{"sentences":[{"text":"Yeah.","start":239.065,"end":239.565,"sentiment":"neutral","sentiment_score":0.024630360305309296},{"text":"That's a negative.","start":243.305,"end":244.105,"sentiment":"negative","sentiment_score":-0.3384816249211629},{"text":"So because of the brackets around it, it's showing as a negative figure.","start":244.105,"end":247.68,"sentiment":"neutral","sentiment_score":-0.263338273534408},{"text":"Yeah.","start":247.92,"end":248.15999,"sentiment":"neutral","sentiment_score":-0.030931320041418076},{"text":"So with that first one there, this time last year, you had $9,589.49 in there.","start":248.15999,"end":255.62,"sentiment":"neutral","sentiment_score":-0.0004161248914897441}],"sentiment":"neutral","sentiment_score":-0.1348904625399772,"num_words":33,"start":239.065,"end":255.62},{"sentences":[{"text":"In that time, money's been invested in.","start":255.68,"end":258.0,"sentiment":"neutral","sentiment_score":-0.006300965057952064},{"text":"Well, you've invested $637 into that investment there.","start":258.0,"end":262.335,"sentiment":"neutral","sentiment_score":0.03518818295560777},{"text":"That shows the current market value.","start":262.655,"end":264.755,"sentiment":"neutral","sentiment_score":0.06435427504281203},{"text":"And then the next column, you've got the income that's being produced out of the investment.","start":265.055,"end":269.07498,"sentiment":"neutral","sentiment_score":0.020514926873147488},{"text":"So think about dividends out of being paid.","start":269.13498,"end":271.715,"sentiment":"neutral","sentiment_score":-0.008648700662888587}],"sentiment":"neutral","sentiment_score":0.019612746292518246,"num_words":45,"start":255.68,"end":271.715},{"sentences":[{"text":"The following...","start":272.57498,"end":273.395,"sentiment":"neutral","sentiment_score":-0.0033768786815926433},{"text":"Yeah.","start":274.175,"end":274.675,"sentiment":"neutral","sentiment_score":-0.05515392497181893},{"text":"Yeah.","start":277.72,"end":278.22,"sentiment":"neutral","sentiment_score":-0.13463932275772095},{"text":"So the growth in the period shows a negative as well.","start":278.52002,"end":281.08002,"sentiment":"neutral","sentiment_score":-0.32070374624295667},{"text":"So it means that the portfolio, the BANELON Australian Equities investment is down as a dollar figure by $18.85 and 25¢, and it's 17% drop on the investment for that individual investment there.","start":281.08002,"end":296.065,"sentiment":"neutral","sentiment_score":-0.22088960651308298}],"sentiment":"neutral","sentiment_score":-0.22963309834433837,"num_words":48,"start":272.57498,"end":296.065},{"sentences":[{"text":"So it does look...","start":296.065,"end":297.50497,"sentiment":"neutral","sentiment_score":-0.08229614980518818},{"text":"It looks bigger because it's a percentage, but, realistically, you've not lost a lot of money in there.","start":297.50497,"end":304.11002,"sentiment":"neutral","sentiment_score":-0.2566204286283917},{"text":"But I don't want that to compound and get any bigger.","start":304.11002,"end":306.83002,"sentiment":"negative","sentiment_score":-0.4850255711512132},{"text":"So because that investment isn't working the way we want it to, it had been performing really well for a certain period of time.","start":306.83002,"end":314.21,"sentiment":"neutral","sentiment_score":-0.29622791583339375},{"text":"It's just that it's, no, you're absolutely fine.","start":314.67,"end":317.815,"sentiment":"neutral","sentiment_score":-0.017143833450973034}],"sentiment":"neutral","sentiment_score":-0.26969621915083664,"num_words":65,"start":296.065,"end":317.815},{"sentences":[{"text":"It had been performing really well up until a certain period of time.","start":317.875,"end":320.915,"sentiment":"neutral","sentiment_score":0.07700591118862996},{"text":"It's just that recently, it's not performing as well.","start":320.915,"end":323.39502,"sentiment":"negative","sentiment_score":-0.4220106038782332},{"text":"So we wanna take a step to remove that for you now.","start":323.39502,"end":327.015,"sentiment":"neutral","sentiment_score":-0.08755140316983064},{"text":"Okay?","start":327.155,"end":327.655,"sentiment":"neutral","sentiment_score":-0.025586385279893875},{"text":"Yeah.","start":329.19,"end":329.59,"sentiment":"neutral","sentiment_score":0.024173390120267868}],"sentiment":"neutral","sentiment_score":-0.10691801174026397,"num_words":36,"start":317.875,"end":329.59},{"sentences":[{"text":"Yeah.","start":329.59,"end":330.09,"sentiment":"neutral","sentiment_score":0.0211588591337204},{"text":"To make it a bit easier, if you look at the second page of that document there...","start":330.47,"end":334.89,"sentiment":"neutral","sentiment_score":0.020958184319383958},{"text":"Yeah.","start":337.91,"end":338.31,"sentiment":"neutral","sentiment_score":0.1495198756456375},{"text":"Beautiful.","start":338.31,"end":338.81,"sentiment":"positive","sentiment_score":0.34083640575408936},{"text":"And you look at the same...","start":338.87,"end":340.33002,"sentiment":"neutral","sentiment_score":0.0304090385325253}],"sentiment":"neutral","sentiment_score":0.040394557890697166,"num_words":26,"start":329.59,"end":340.33002},{"sentences":[{"text":"You alright?","start":340.79,"end":341.45,"sentiment":"neutral","sentiment_score":0.02505737915635109},{"text":"No.","start":346.005,"end":346.405,"sentiment":"neutral","sentiment_score":-0.007579050958156586},{"text":"You're absolutely fine.","start":346.405,"end":348.10498,"sentiment":"neutral","sentiment_score":0.14710920055707297},{"text":"If you look at the second last column of that same report, it basically correlates everything from the above page and correlates into how your total portfolio.","start":348.485,"end":357.065,"sentiment":"neutral","sentiment_score":0.11315689291115161},{"text":"So they pull all the investments together, all the income, all the growth, and everything is a correlate, and it shows that for the for the whole year, your total portfolio has made after fees 4.13.","start":357.285,"end":370.35,"sentiment":"neutral","sentiment_score":0.1649440268261565}],"sentiment":"neutral","sentiment_score":0.13734904903432596,"num_words":69,"start":340.79,"end":370.35},{"sentences":[{"text":"So it is much more of a lower rate of return, but it does show over all your up on last year.","start":370.35,"end":375.54498,"sentiment":"neutral","sentiment_score":0.24455201896754178},{"text":"Your portfolio has still made money.","start":375.54498,"end":377.38498,"sentiment":"positive","sentiment_score":0.4642542153596878},{"text":"You're still seeing a positive return, albeit it is very much lower, and it is sort of being held back mostly by that Bennelong investment there.","start":377.38498,"end":385.54498,"sentiment":"neutral","sentiment_score":0.14054939265434557},{"text":"Everything else, if you look at that first page, is up doing really well.","start":385.54498,"end":390.06,"sentiment":"positive","sentiment_score":0.34865428507328033},{"text":"Most things have, you know, gone through the ups and downs this year quite positively.","start":390.44,"end":394.06,"sentiment":"neutral","sentiment_score":0.2146442025899887}],"sentiment":"neutral","sentiment_score":0.24000936082328658,"num_words":83,"start":370.35,"end":394.06},{"sentences":[{"text":"It's just that one investment seems to be holding your portfolio back a little bit.","start":394.6,"end":398.44,"sentiment":"neutral","sentiment_score":-0.3248452986280123},{"text":"So we do wanna look at removing that one out.","start":398.44,"end":400.935,"sentiment":"neutral","sentiment_score":-0.1663925603032112},{"text":"Does that make sense?","start":401.175,"end":402.155,"sentiment":"neutral","sentiment_score":-0.041257498785853386},{"text":"Yeah.","start":403.01498,"end":403.51498,"sentiment":"neutral","sentiment_score":0.057476259768009186},{"text":"Yeah.","start":404.215,"end":404.715,"sentiment":"neutral","sentiment_score":0.14685176312923431}],"sentiment":"neutral","sentiment_score":-0.20959055015156347,"num_words":31,"start":394.6,"end":404.715},{"sentences":[{"text":"All good.","start":404.935,"end":405.755,"sentiment":"neutral","sentiment_score":0.3228607326745987},{"text":"So what I sort of wanted to find out from you...","start":406.055,"end":408.215,"sentiment":"neutral","sentiment_score":0.055762568658048454},{"text":"And if you don't have a preference, it's absolutely fine.","start":408.215,"end":411.195,"sentiment":"neutral","sentiment_score":0.07714767456054687},{"text":"When we look at the different ways in order to invest in our super, we can have, investments that are actively managed like that then along Australian equities investment where the fund manager is supposed to be trying to outperform against the market.","start":411.975,"end":426.04,"sentiment":"neutral","sentiment_score":0.12910855033023413},{"text":"There's no guarantees they can do so.","start":426.04,"end":428.12003,"sentiment":"neutral","sentiment_score":-0.07627062885356801}],"sentiment":"neutral","sentiment_score":0.09655287299203137,"num_words":73,"start":404.935,"end":428.12003},{"sentences":[{"text":"They don't every year guaranteed.","start":428.12003,"end":430.115,"sentiment":"neutral","sentiment_score":-0.08895895928144455},{"text":"And you can pay a little bit more in investment fees to have those sorts of investments in your portfolio.","start":430.975,"end":435.795,"sentiment":"neutral","sentiment_score":-0.004580589290708303},{"text":"Or we could look at maybe having more of a lower cost investment option and replace that something with more...","start":437.135,"end":442.895,"sentiment":"neutral","sentiment_score":0.06002498986199498},{"text":"Something more passive, which over the longer term could save you in fees and also perform much better depending on the market conditions.","start":442.895,"end":451.59003,"sentiment":"positive","sentiment_score":0.46366187023079913},{"text":"Is there a preference to see how you would like to see your portfolio developed, or do you have any further questions there?","start":452.05002,"end":458.79,"sentiment":"neutral","sentiment_score":0.14554475571798242}],"sentiment":"neutral","sentiment_score":0.1612730287015438,"num_words":91,"start":428.12003,"end":458.79},{"sentences":[{"text":"Yeah.","start":466.665,"end":467.165,"sentiment":"neutral","sentiment_score":-0.03040282614529133},{"text":"Yeah.","start":467.865,"end":468.365,"sentiment":"neutral","sentiment_score":-0.010939893312752249},{"text":"Yep.","start":475.065,"end":475.53,"sentiment":"neutral","sentiment_score":0.037910811603069305},{"text":"Yeah.","start":479.93,"end":480.43,"sentiment":"neutral","sentiment_score":0.04405013471841812},{"text":"Absolutely.","start":481.21,"end":481.71,"sentiment":"neutral","sentiment_score":0.11853954195976256}],"sentiment":"neutral","sentiment_score":0.031831553764641286,"num_words":5,"start":466.665,"end":481.71},{"sentences":[{"text":"Honestly, when I sort of look at the way most investments do perform, active managers can outperform against the market when they do really well.","start":485.85,"end":494.035,"sentiment":"neutral","sentiment_score":0.15366339862346648},{"text":"However, they don't do it every year.","start":494.035,"end":495.715,"sentiment":"neutral","sentiment_score":-0.15163947428975785},{"text":"If you had a look at all the active managers on the market, you'll find that some years, some do really well.","start":495.715,"end":501.01498,"sentiment":"neutral","sentiment_score":0.06940199841152538},{"text":"Other years, those same investment managers underperform very heavily.","start":501.65,"end":505.27,"sentiment":"neutral","sentiment_score":-0.02659015880069799},{"text":"In order for an active manager to outperform against the market, it also needs to not drop as much as the market does.","start":505.57,"end":511.88998,"sentiment":"neutral","sentiment_score":-0.05750307635120724}],"sentiment":"neutral","sentiment_score":0.03191942355032404,"num_words":86,"start":485.85,"end":511.88998},{"sentences":[{"text":"So, you know, they don't have to perform great to be able to beat the market.","start":511.88998,"end":516.225,"sentiment":"neutral","sentiment_score":-0.06959165073931217},{"text":"It's just about how how they do, but they don't always do it, and you tend to pay more money.","start":516.225,"end":520.725,"sentiment":"neutral","sentiment_score":-0.12728212978690862},{"text":"Realistically, if you were to have a portfolio built on, you know, seven to 10 different ETFs, we could get sometimes better returns, maybe lower the cost of fees within your portfolio, and maybe get your super working a little bit harder for you.","start":521.02496,"end":536.27997,"sentiment":"positive","sentiment_score":0.3372386099601334},{"text":"Would that be something you're more open to?","start":536.27997,"end":539.01996,"sentiment":"neutral","sentiment_score":0.14384295046329498},{"text":"Exchange traded funds.","start":541.895,"end":543.35504,"sentiment":"neutral","sentiment_score":0.03871749465664228}],"sentiment":"neutral","sentiment_score":0.1367723727291757,"num_words":91,"start":511.88998,"end":543.35504},{"sentences":[{"text":"So they're managed funds that you can buy on an exchange like the ASX, like the Australian stock market.","start":543.41504,"end":549.03503,"sentiment":"neutral","sentiment_score":0.09358891295759302},{"text":"Yeah.","start":550.215,"end":550.715,"sentiment":"neutral","sentiment_score":0.0933225229382515},{"text":"Yeah.","start":551.015,"end":551.515,"sentiment":"neutral","sentiment_score":0.11254306882619858},{"text":"Yeah.","start":552.775,"end":553.255,"sentiment":"neutral","sentiment_score":0.19873692095279696},{"text":"Absolutely.","start":553.255,"end":553.755,"sentiment":"positive","sentiment_score":0.4408752620220184}],"sentiment":"neutral","sentiment_score":0.11407248351884924,"num_words":23,"start":543.41504,"end":553.755},{"sentences":[{"text":"I'll have a look at the options I've got.","start":554.135,"end":555.97504,"sentiment":"neutral","sentiment_score":0.2826351490285661},{"text":"I...","start":555.97504,"end":556.135,"sentiment":"neutral","sentiment_score":0.17125292122364044},{"text":"I've had a bit of a look prime.","start":556.135,"end":557.53,"sentiment":"neutral","sentiment_score":0.2209059912711382},{"text":"There's definitely some things I'd love to be able to swap out for you.","start":557.53,"end":560.41003,"sentiment":"positive","sentiment_score":0.3882882765361241},{"text":"I'll have a look at the rest of your portfolio as well to see maybe if changing or switching things out in other areas might also help you provide, you know, greater long term growth as well.","start":560.41003,"end":572.245,"sentiment":"positive","sentiment_score":0.3740534991831393}],"sentiment":"positive","sentiment_score":0.3443222106366918,"num_words":69,"start":554.135,"end":572.245},{"sentences":[{"text":"So I can have a look at all those options and maybe do some switching, update your portfolio for you, and see what we can do to lower the cost of your portfolio, but also look at, you know, trying to get it working a bit harder for you.","start":572.245,"end":583.445,"sentiment":"neutral","sentiment_score":0.2626383170789602},{"text":"Does that sound okay, Sandeep?","start":583.445,"end":584.94,"sentiment":"neutral","sentiment_score":0.11774422973394394},{"text":"Yeah.","start":587.0,"end":587.5,"sentiment":"neutral","sentiment_score":-0.02409807406365871},{"text":"That's okay.","start":591.72,"end":592.54,"sentiment":"neutral","sentiment_score":-0.06225988082587719},{"text":"Yeah.","start":597.39996,"end":597.89996,"sentiment":"neutral","sentiment_score":0.019601712003350254}],"sentiment":"neutral","sentiment_score":0.22981004416942596,"num_words":58,"start":572.245,"end":597.89996},{"sentences":[{"text":"Absolutely.","start":599.92505,"end":600.42505,"sentiment":"neutral","sentiment_score":0.10199537873268127},{"text":"Please please feel free to ask me any questions.","start":602.16504,"end":604.24506,"sentiment":"neutral","sentiment_score":0.13069617334339353},{"text":"One of the things I really enjoy about my job is being able to educate because you're right.","start":604.24506,"end":608.965,"sentiment":"positive","sentiment_score":0.560559504561954},{"text":"Not a lot of people understand a lot of this.","start":608.965,"end":611.205,"sentiment":"neutral","sentiment_score":0.05336002856492996},{"text":"So please feel free to ask me any questions you have.","start":611.205,"end":614.46,"sentiment":"neutral","sentiment_score":0.22109653597528284}],"sentiment":"neutral","sentiment_score":0.2925304939248124,"num_words":49,"start":599.92505,"end":614.46},{"sentences":[{"text":"I'll break it down as much as I can.","start":614.68,"end":616.7,"sentiment":"positive","sentiment_score":0.361878365278244},{"text":"And if you're still not sure, let me know, and I'll, you know, make sure to help you understand it further.","start":617.24,"end":622.04004,"sentiment":"neutral","sentiment_score":0.1320124018405165},{"text":"So, yeah, is there anything question wise at the moment?","start":622.04004,"end":625.02,"sentiment":"neutral","sentiment_score":0.047173156216740605},{"text":"Sure.","start":625.795,"end":626.295,"sentiment":"neutral","sentiment_score":0.049448028206825256},{"text":"No.","start":627.47504,"end":627.97504,"sentiment":"neutral","sentiment_score":-0.2614661157131195}],"sentiment":"neutral","sentiment_score":0.14973521906705128,"num_words":42,"start":614.68,"end":627.97504},{"sentences":[{"text":"Mhmm.","start":632.675,"end":633.175,"sentiment":"negative","sentiment_score":-0.34913182258605957},{"text":"So sorry.","start":640.98,"end":641.7,"sentiment":"neutral","sentiment_score":-0.20134732127189636},{"text":"So you...","start":641.7,"end":642.26,"sentiment":"neutral","sentiment_score":-0.09985897690057755},{"text":"Okay.","start":642.26,"end":642.5,"sentiment":"neutral","sentiment_score":-0.029887640848755836},{"text":"So listed securities.","start":642.5,"end":643.64,"sentiment":"neutral","sentiment_score":-0.031121524050831795}],"sentiment":"neutral","sentiment_score":-0.11942184799247318,"num_words":9,"start":632.675,"end":643.64},{"sentences":[{"text":"So those are essentially your ETFs, your exchange traded funds.","start":643.7,"end":647.16,"sentiment":"neutral","sentiment_score":0.013859240710735321},{"text":"These ones here are diversified managed fund, essentially.","start":647.7,"end":652.28,"sentiment":"neutral","sentiment_score":0.07880014553666115},{"text":"They're not actively managed like the ones above are.","start":652.34,"end":655.125,"sentiment":"neutral","sentiment_score":-0.07322192481822437},{"text":"It's just the sort of way they are set up.","start":655.125,"end":657.125,"sentiment":"neutral","sentiment_score":0.04764316659420729},{"text":"So if you think about, as example, the physical gold, that one there is giving you access and exposure to actual physical gold bullion, and that is tracking how gold trades.","start":657.125,"end":669.705,"sentiment":"neutral","sentiment_score":0.06604038791791085}],"sentiment":"neutral","sentiment_score":0.03873058734461665,"num_words":68,"start":643.7,"end":669.705},{"sentences":[{"text":"If you look at the very bottom one, the S and P 500, this here is tracking the top 500 companies on the American S and P 500 index.","start":670.17,"end":680.43,"sentiment":"neutral","sentiment_score":0.042810650991982425},{"text":"So the ETF itself is tracking a certain industries.","start":680.57,"end":683.79,"sentiment":"neutral","sentiment_score":0.06739203135172527},{"text":"It's essentially passively managed because it's not trying...","start":684.345,"end":688.26495,"sentiment":"neutral","sentiment_score":0.012715611257590353},{"text":"You don't have active managers or you don't have investment managers or people trying to buy and sell and time the market.","start":688.26495,"end":695.245,"sentiment":"neutral","sentiment_score":-0.15561518852006306},{"text":"Essentially, that investment is tracking the S and P 500 index.","start":695.625,"end":699.75,"sentiment":"neutral","sentiment_score":-0.011356242339719425}],"sentiment":"neutral","sentiment_score":-0.02023659192638684,"num_words":79,"start":670.17,"end":699.75},{"sentences":[{"text":"So whenever there's a change in the index, this investment makes a change in line with that.","start":699.75,"end":704.81,"sentiment":"neutral","sentiment_score":-0.03594489521620905},{"text":"The idea is you have what's called passive or active management.","start":705.27,"end":708.65,"sentiment":"neutral","sentiment_score":0.07651120999997313},{"text":"So passive management is when you're in an investment that just tracks a certain market, a certain condition, or just, you know, follows a certain industries, and it just goes up and down with the market.","start":708.79,"end":719.775,"sentiment":"neutral","sentiment_score":0.030274873392449483},{"text":"They make very little changes unless changes need to be made in the index or in the area of the market that they're tracking.","start":719.775,"end":728.275,"sentiment":"neutral","sentiment_score":-0.020335313650624205},{"text":"Whereas an actively managed managed fund like Bannalong, you have the investment managers looking at everything on a much wider scale.","start":728.98004,"end":736.9,"sentiment":"neutral","sentiment_score":0.002159448872719492}],"sentiment":"neutral","sentiment_score":0.008052811304261104,"num_words":109,"start":699.75,"end":736.9},{"sentences":[{"text":"They're looking at the investments.","start":736.9,"end":738.26,"sentiment":"neutral","sentiment_score":0.04029829315841198},{"text":"They're doing a lot more, you know, I think Warren Buffett style.","start":738.26,"end":741.59503,"sentiment":"neutral","sentiment_score":0.020808440788338583},{"text":"They're buying in and trying to time the market.","start":741.59503,"end":744.155,"sentiment":"neutral","sentiment_score":0.006959542632102966},{"text":"They're picking, you know, when the stock might be the right price to buy in at, and they're valuing all the investments individually.","start":744.155,"end":750.815,"sentiment":"neutral","sentiment_score":0.29557523131370544},{"text":"So the benefit to an ETF is that it is...","start":751.275,"end":754.815,"sentiment":"positive","sentiment_score":0.5391728430986404}],"sentiment":"neutral","sentiment_score":0.21531843034140133,"num_words":59,"start":736.9,"end":754.815},{"sentences":[{"text":"Tends to be a lot cheaper to hold.","start":754.875,"end":756.895,"sentiment":"positive","sentiment_score":0.48959266394376755},{"text":"You tend to see a lot less changes.","start":757.25,"end":759.08997,"sentiment":"neutral","sentiment_score":0.1494231065735221},{"text":"They can...","start":759.08997,"end":759.64996,"sentiment":"neutral","sentiment_score":0.0861818939447403},{"text":"Because they stay invested through the ups and downs, and they're not trying to time the market, they can get much better returns for your super over the longer term.","start":759.64996,"end":768.71,"sentiment":"positive","sentiment_score":0.4084902013341586},{"text":"And they're often a lot cheaper as well because you don't have someone trying to time the market, trying to value individual investments.","start":768.93,"end":776.505,"sentiment":"positive","sentiment_score":0.40011927647435147}],"sentiment":"positive","sentiment_score":0.37664703311214986,"num_words":71,"start":754.875,"end":776.505},{"sentences":[{"text":"They're just watching what the index does or the investments that they're tracking on the market, what they do, and making changes as they need to.","start":776.505,"end":785.305,"sentiment":"neutral","sentiment_score":0.2158109379502443},{"text":"They make less changes over the course of the year than an active manager realistically does.","start":785.305,"end":790.14,"sentiment":"neutral","sentiment_score":0.010365143418312073},{"text":"Does that make sense?","start":790.14,"end":791.27997,"sentiment":"neutral","sentiment_score":0.11889684200286865},{"text":"Yeah.","start":792.14,"end":792.64,"sentiment":"neutral","sentiment_score":0.1884164810180664},{"text":"Mhmm.","start":798.7,"end":799.2,"sentiment":"neutral","sentiment_score":0.04283197969198227}],"sentiment":"neutral","sentiment_score":0.1350783856275181,"num_words":48,"start":776.505,"end":799.2},{"sentences":[{"text":"Yeah.","start":809.245,"end":809.745,"sentiment":"neutral","sentiment_score":0.10607048869132996},{"text":"Yes.","start":810.125,"end":810.525,"sentiment":"neutral","sentiment_score":0.1620202362537384},{"text":"That's a really good question.","start":810.525,"end":811.645,"sentiment":"neutral","sentiment_score":0.3061722368001938},{"text":"So, essentially, we've got thousands of different ETFs and managed funds and investments that we can essentially invest in.","start":811.645,"end":817.64996,"sentiment":"neutral","sentiment_score":0.1862776153966},{"text":"So what we do is our investment committee as well as the advisers, we go back and we have a look at your risk profiling.","start":817.64996,"end":823.67,"sentiment":"neutral","sentiment_score":0.14082582741975785}],"sentiment":"neutral","sentiment_score":0.1737033781759879,"num_words":51,"start":809.245,"end":823.67},{"sentences":[{"text":"We have a look at how much time you have between now to when you're wanting to access your super, and we have a look at how the different investments have been invested.","start":823.73,"end":832.315,"sentiment":"neutral","sentiment_score":0.09824624194791823},{"text":"We look at what index they're tracking.","start":832.375,"end":834.535,"sentiment":"neutral","sentiment_score":0.07648564555815288},{"text":"We have a look at what they're invested in, how many investments they're in...","start":834.535,"end":839.015,"sentiment":"neutral","sentiment_score":0.05146010246660028},{"text":"Invested in, and, you know, what they're sort of doing.","start":839.015,"end":842.395,"sentiment":"neutral","sentiment_score":0.007501120492815971},{"text":"We have a look at the cost inside of that, and we build portfolios with different ETFs or different managed funds there to try and make sure that they're working harder for you to give you a diversified range of investments.","start":842.615,"end":857.2489,"sentiment":"neutral","sentiment_score":0.24225100547802159}],"sentiment":"neutral","sentiment_score":0.13814542254521733,"num_words":105,"start":823.73,"end":857.2489},{"sentences":[{"text":"So when we say diversified, we mean a wide range of different investments.","start":857.4689,"end":861.7289,"sentiment":"neutral","sentiment_score":0.15678741209782088}],"sentiment":"neutral","sentiment_score":0.15678741209782088,"num_words":13,"start":857.4689,"end":861.7289}]}}]},{"alternatives":[{"transcript":"Good, Dana. How are you? Yeah. Busy. Sorry about before. I was just a bit flat out. Yep. Yep. I can... Yep. I can see you've sent me something. Yep. Yeah. I'm looking after him for a bit. I I hope he doesn't interrupt too much. Thanks. Thanks so much. What did you say it says? Summary of what? Sorry. I opened the wrong email. Find document. Okay. Yep. I can see it. Yep. Okay. Yep. Can I just butt in here for a sec? That... So can you just tell me... Like, talk to me in full on layman's terms. How do I read this? So you know how you're saying it didn't it didn't go well. Like, can you teach me how to just... Just quickly how to read that? Okay. So the so the initial investment was $9, $9.5, and it performed... Okay. And it and then it performed at 17%. Is that right? Mhmm. I understand. Okay. So that's how much we lost. So we came down to 8,300. Okay. I understand. Yep. Sorry. Yeah. Shit. Okay. Alright. Yep. Yep. Hold on one sec. That is fine. Shoes. We don't yell. Okay? Sorry. So... Okay. Yes. It does. Yep. Well, the thing is because I don't know this stuff, like, really at all. Like, if if I were to just look at it... So if if we were to just put it in, like, see under the ones that are not managed, like, they seem to just be performing okay. Well, like, a few of them do anyway. What would you recommend? Like, what would you do in this situation? Yeah. What does ATS mean? Gotcha. Yeah. Yeah. Yeah. I think that's probably the way we go. Right? Yeah. Yeah. Just so you know, like, everything that you're telling me, I'm still just sort of getting my head. Like, it's hard for me to sort of understand because I've never really, I guess, for lack of a better word, cared. Like, I've just sort of trusted it's doing its thing, you know? But I'm trying to sort of learn now. Yeah. Just, like, the the gist of it is... Yes. Sorry. The gist of it is the ones that are listed under Australian listed securities, they're not managed. Right? They're just over a period... Is it over a period of twelve months? Right. Right. Right. That makes sense. So when you do invest this money into, like, one of these ETFs, like, I guess, how do you guys choose, like, out of everything that you can choose from, how do... What makes you guys choose, like, in my situation, these ones, for 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Dana. How are you? Yeah. Busy. Sorry about before.\n\nI was just a bit flat out. Yep. Yep. I can... Yep.\n\nI can see you've sent me something. Yep. Yeah. I'm looking after him for a bit. I I hope he doesn't interrupt too much.\n\nThanks. Thanks so much. What did you say it says? Summary of what? Sorry.\n\nI opened the wrong email. Find document. Okay. Yep. I can see it.\n\nYep. Okay. Yep. Can I just butt in here for a sec? That...\n\nSo can you just tell me... Like, talk to me in full on layman's terms. How do I read this? So you know how you're saying it didn't it didn't go well. Like, can you teach me how to just...\n\nJust quickly how to read that? Okay. So the so the initial investment was $9, $9.5, and it performed... Okay. And it and then it performed at 17%.\n\nIs that right? Mhmm. I understand. Okay. So that's how much we lost.\n\nSo we came down to 8,300. Okay. I understand. Yep. Sorry.\n\nYeah. Shit. Okay. Alright. Yep.\n\nYep. Hold on one sec. That is fine. Shoes. We don't yell.\n\nOkay? Sorry. So... Okay. Yes.\n\nIt does. Yep. Well, the thing is because I don't know this stuff, like, really at all. Like, if if I were to just look at it... So if if we were to just put it in, like, see under the ones that are not managed, like, they seem to just be performing okay.\n\nWell, like, a few of them do anyway. What would you recommend? Like, what would you do in this situation? Yeah. What does ATS mean?\n\nGotcha. Yeah. Yeah. Yeah. I think that's probably the way we go.\n\nRight? Yeah. Yeah. Just so you know, like, everything that you're telling me, I'm still just sort of getting my head. Like, it's hard for me to sort of understand because I've never really, I guess, for lack of a better word, cared.\n\nLike, I've just sort of trusted it's doing its thing, you know? But I'm trying to sort of learn now. Yeah. Just, like, the the gist of it is... Yes.\n\nSorry. The gist of it is the ones that are listed under Australian listed securities, they're not managed. Right? They're just over a period... Is it over a period of twelve months?\n\nRight. Right. Right. That makes sense. So when you do invest this money into, like, one of these ETFs, like, I guess, how do you guys choose, like, out of everything that you can choose from, how do...\n\nWhat makes you guys choose, like, in my situation, these ones, for example?","paragraphs":[{"sentences":[{"text":"Good, Dana.","start":6.0,"end":6.56,"sentiment":"positive","sentiment_score":0.4781596064567566},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.3263979951540629},{"text":"Yeah.","start":12.0,"end":12.32,"sentiment":"neutral","sentiment_score":0.013728364370763302},{"text":"Busy.","start":12.32,"end":12.719999,"sentiment":"neutral","sentiment_score":-0.04052671790122986},{"text":"Sorry about before.","start":12.719999,"end":13.759999,"sentiment":"neutral","sentiment_score":-0.12555024276177087}],"sentiment":"neutral","sentiment_score":0.15320641165599228,"num_words":10,"start":6.0,"end":13.759999},{"sentences":[{"text":"I was just a bit flat out.","start":13.759999,"end":15.54,"sentiment":"neutral","sentiment_score":-0.2220695870263236},{"text":"Yep.","start":40.71,"end":41.21,"sentiment":"neutral","sentiment_score":0.0915735960006714},{"text":"Yep.","start":52.395,"end":52.895,"sentiment":"neutral","sentiment_score":0.02999144606292248},{"text":"I can...","start":53.195,"end":54.095,"sentiment":"neutral","sentiment_score":0.0267618577927351},{"text":"Yep.","start":55.114998,"end":55.614998,"sentiment":"neutral","sentiment_score":0.0339113287627697}],"sentiment":"neutral","sentiment_score":-0.11212391856436928,"num_words":12,"start":13.759999,"end":55.614998},{"sentences":[{"text":"I can see you've sent me something.","start":55.93,"end":57.69,"sentiment":"neutral","sentiment_score":0.04997316588248525},{"text":"Yep.","start":57.69,"end":58.19,"sentiment":"neutral","sentiment_score":0.05777285620570183},{"text":"Yeah.","start":63.05,"end":63.45,"sentiment":"neutral","sentiment_score":0.02712869644165039},{"text":"I'm looking after him for a bit.","start":63.45,"end":65.45,"sentiment":"neutral","sentiment_score":0.02290512834276472},{"text":"I I hope he doesn't interrupt too much.","start":65.45,"end":68.19,"sentiment":"neutral","sentiment_score":-0.0008719226461835206}],"sentiment":"neutral","sentiment_score":0.024503092960609745,"num_words":24,"start":55.93,"end":68.19},{"sentences":[{"text":"Thanks.","start":77.185005,"end":77.585,"sentiment":"neutral","sentiment_score":0.3026151955127716},{"text":"Thanks so much.","start":77.585,"end":78.645004,"sentiment":"positive","sentiment_score":0.5103006660938263},{"text":"What did you say it says?","start":91.96,"end":92.92,"sentiment":"neutral","sentiment_score":0.0002473139514525731},{"text":"Summary of what?","start":92.92,"end":94.3,"sentiment":"neutral","sentiment_score":-0.008704320644028485},{"text":"Sorry.","start":99.96,"end":100.2,"sentiment":"neutral","sentiment_score":-0.1187923699617386}],"sentiment":"neutral","sentiment_score":0.12072112468636728,"num_words":14,"start":77.185005,"end":100.2},{"sentences":[{"text":"I opened the wrong email.","start":100.2,"end":101.5,"sentiment":"neutral","sentiment_score":-0.1773583173751831},{"text":"Find document.","start":103.695,"end":114.115,"sentiment":"neutral","sentiment_score":-0.0019639008678495884},{"text":"Okay.","start":117.295,"end":117.534996,"sentiment":"neutral","sentiment_score":0.02946900948882103},{"text":"Yep.","start":117.534996,"end":117.935,"sentiment":"neutral","sentiment_score":0.06881058216094971},{"text":"I can see it.","start":117.935,"end":118.86,"sentiment":"neutral","sentiment_score":0.08635122701525688}],"sentiment":"neutral","sentiment_score":-0.034387299146216646,"num_words":13,"start":100.2,"end":118.86},{"sentences":[{"text":"Yep.","start":134.14,"end":134.595,"sentiment":"neutral","sentiment_score":0.0966503918170929},{"text":"Okay.","start":152.54001,"end":152.94,"sentiment":"neutral","sentiment_score":0.09662710130214693},{"text":"Yep.","start":152.94,"end":153.44,"sentiment":"neutral","sentiment_score":0.10718056559562684},{"text":"Can I just butt in here for a sec?","start":197.86499,"end":199.94499,"sentiment":"neutral","sentiment_score":-0.030237650498747826},{"text":"That...","start":199.94499,"end":200.265,"sentiment":"neutral","sentiment_score":-0.010918926447629929}],"sentiment":"neutral","sentiment_score":0.0013384829060389446,"num_words":13,"start":134.14,"end":200.265},{"sentences":[{"text":"So can you just tell me...","start":200.265,"end":201.965,"sentiment":"neutral","sentiment_score":0.007165656114617984},{"text":"Like, talk to me in full on layman's terms.","start":202.265,"end":205.14,"sentiment":"neutral","sentiment_score":0.00003740212155712975},{"text":"How do I read this?","start":205.14,"end":206.58,"sentiment":"neutral","sentiment_score":-0.01995569244027138},{"text":"So you know how you're saying it didn't it didn't go well.","start":206.58,"end":209.95999,"sentiment":"neutral","sentiment_score":-0.04421719924236337},{"text":"Like, can you teach me how to just...","start":210.01999,"end":212.18,"sentiment":"neutral","sentiment_score":0.01295033365022391}],"sentiment":"neutral","sentiment_score":-0.0120862907031551,"num_words":40,"start":200.265,"end":212.18},{"sentences":[{"text":"Just quickly how to read that?","start":212.18,"end":213.87999,"sentiment":"neutral","sentiment_score":-0.00676257520293196},{"text":"Okay.","start":230.38,"end":230.7,"sentiment":"neutral","sentiment_score":0.031254202127456665},{"text":"So the so the initial investment was $9, $9.5, and it performed...","start":230.7,"end":237.44,"sentiment":"neutral","sentiment_score":0.03442815147961179},{"text":"Okay.","start":239.58,"end":239.98,"sentiment":"neutral","sentiment_score":0.021020814776420593},{"text":"And it and then it performed at 17%.","start":239.98,"end":242.3,"sentiment":"neutral","sentiment_score":0.008274427382275462}],"sentiment":"neutral","sentiment_score":0.017536885803565383,"num_words":28,"start":212.18,"end":242.3},{"sentences":[{"text":"Is that right?","start":242.3,"end":243.2,"sentiment":"neutral","sentiment_score":-0.0055864229798316956},{"text":"Mhmm.","start":255.955,"end":256.45502,"sentiment":"neutral","sentiment_score":-0.012247820384800434},{"text":"I understand.","start":272.495,"end":273.135,"sentiment":"neutral","sentiment_score":-0.005130743607878685},{"text":"Okay.","start":273.135,"end":273.45502,"sentiment":"neutral","sentiment_score":-0.004153766203671694},{"text":"So that's how much we lost.","start":273.45502,"end":274.815,"sentiment":"neutral","sentiment_score":-0.05345293056840698}],"sentiment":"neutral","sentiment_score":-0.0280107635503205,"num_words":13,"start":242.3,"end":274.815},{"sentences":[{"text":"So we came down to 8,300.","start":274.815,"end":277.23502,"sentiment":"neutral","sentiment_score":-0.13595314820607504},{"text":"Okay.","start":290.41,"end":290.91,"sentiment":"neutral","sentiment_score":-0.18713420629501343},{"text":"I understand.","start":296.25,"end":296.99002,"sentiment":"neutral","sentiment_score":-0.08266227319836617},{"text":"Yep.","start":310.855,"end":311.355,"sentiment":"neutral","sentiment_score":-0.16726014018058777},{"text":"Sorry.","start":314.65002,"end":315.15002,"sentiment":"neutral","sentiment_score":-0.08951733261346817}],"sentiment":"neutral","sentiment_score":-0.12954137406565927,"num_words":11,"start":274.815,"end":315.15002},{"sentences":[{"text":"Yeah.","start":316.33002,"end":316.83002,"sentiment":"neutral","sentiment_score":0.21836316585540771},{"text":"Shit.","start":324.25,"end":324.33002,"sentiment":"neutral","sentiment_score":-0.07293163985013962},{"text":"Okay.","start":324.33002,"end":324.83002,"sentiment":"neutral","sentiment_score":-0.061596304178237915},{"text":"Alright.","start":327.69,"end":328.19,"sentiment":"neutral","sentiment_score":0.014707382768392565},{"text":"Yep.","start":328.33002,"end":328.83002,"sentiment":"neutral","sentiment_score":0.02607269585132599}],"sentiment":"neutral","sentiment_score":0.024923060089349747,"num_words":5,"start":316.33002,"end":328.83002},{"sentences":[{"text":"Yep.","start":338.885,"end":339.205,"sentiment":"neutral","sentiment_score":0.0746799111366272},{"text":"Hold on one sec.","start":339.205,"end":340.325,"sentiment":"neutral","sentiment_score":0.015248232753947377},{"text":"That is fine.","start":340.325,"end":341.225,"sentiment":"neutral","sentiment_score":0.07154739151398341},{"text":"Shoes.","start":342.34003,"end":342.84003,"sentiment":"neutral","sentiment_score":-0.015637334436178207},{"text":"We don't yell.","start":343.22,"end":344.02002,"sentiment":"neutral","sentiment_score":-0.06440742934743564}],"sentiment":"neutral","sentiment_score":0.011787949517990151,"num_words":12,"start":338.885,"end":344.02002},{"sentences":[{"text":"Okay?","start":344.02002,"end":344.52002,"sentiment":"neutral","sentiment_score":-0.012614467181265354},{"text":"Sorry.","start":344.90002,"end":345.40002,"sentiment":"neutral","sentiment_score":-0.039189413189888},{"text":"So...","start":345.46002,"end":345.96002,"sentiment":"neutral","sentiment_score":-0.008858494460582733},{"text":"Okay.","start":401.84003,"end":402.34003,"sentiment":"neutral","sentiment_score":0.01045397575944662},{"text":"Yes.","start":402.48,"end":402.80002,"sentiment":"neutral","sentiment_score":0.0428641252219677}],"sentiment":"neutral","sentiment_score":-0.001468854770064354,"num_words":5,"start":344.02002,"end":402.80002},{"sentences":[{"text":"It does.","start":402.80002,"end":403.2,"sentiment":"neutral","sentiment_score":0.05650908686220646},{"text":"Yep.","start":403.2,"end":403.7,"sentiment":"neutral","sentiment_score":0.09223777055740356},{"text":"Well, the thing is because I don't know this stuff, like, really at all.","start":459.45,"end":464.27,"sentiment":"neutral","sentiment_score":-0.05602087692490646},{"text":"Like, if if I were to just look at it...","start":465.05,"end":467.55,"sentiment":"neutral","sentiment_score":-0.04693849422037601},{"text":"So if if we were to just put it in, like, see under the ones that are not managed, like, they seem to just be performing okay.","start":467.77,"end":477.695,"sentiment":"neutral","sentiment_score":0.014076471259748494}],"sentiment":"neutral","sentiment_score":-0.012376973164026384,"num_words":54,"start":402.80002,"end":477.695},{"sentences":[{"text":"Well, like, a few of them do anyway.","start":477.695,"end":480.755,"sentiment":"neutral","sentiment_score":0.03114888700656593},{"text":"What would you recommend?","start":481.855,"end":483.215,"sentiment":"neutral","sentiment_score":0.0910111777484417},{"text":"Like, what would you do in this situation?","start":483.215,"end":484.835,"sentiment":"neutral","sentiment_score":0.06856088526546955},{"text":"Yeah.","start":539.485,"end":539.725,"sentiment":"neutral","sentiment_score":0.023050568997859955},{"text":"What does ATS mean?","start":539.725,"end":541.265,"sentiment":"neutral","sentiment_score":0.009236307814717293}],"sentiment":"neutral","sentiment_score":0.04886874757707119,"num_words":25,"start":477.695,"end":541.265},{"sentences":[{"text":"Gotcha.","start":549.03,"end":549.53,"sentiment":"neutral","sentiment_score":0.06100064516067505},{"text":"Yeah.","start":549.59,"end":549.75,"sentiment":"neutral","sentiment_score":0.08133155107498169},{"text":"Yeah.","start":549.75,"end":550.23,"sentiment":"neutral","sentiment_score":0.07878590375185013},{"text":"Yeah.","start":550.23,"end":550.47003,"sentiment":"neutral","sentiment_score":0.10572828352451324},{"text":"I think that's probably the way we go.","start":550.47003,"end":552.23,"sentiment":"neutral","sentiment_score":0.12019247747957706}],"sentiment":"neutral","sentiment_score":0.10736551694571972,"num_words":12,"start":549.03,"end":552.23},{"sentences":[{"text":"Right?","start":552.23,"end":552.73,"sentiment":"neutral","sentiment_score":0.12138406932353972},{"text":"Yeah.","start":585.515,"end":585.83496,"sentiment":"neutral","sentiment_score":0.019579242914915085},{"text":"Yeah.","start":585.83496,"end":586.075,"sentiment":"neutral","sentiment_score":0.00151743832975626},{"text":"Just so you know, like, everything that you're telling me, I'm still just sort of getting my head.","start":586.075,"end":590.39496,"sentiment":"neutral","sentiment_score":-0.07798505015671253},{"text":"Like, it's hard for me to sort of understand because I've never really, I guess, for lack of a better word, cared.","start":590.39496,"end":596.39496,"sentiment":"neutral","sentiment_score":-0.0763575609096072}],"sentiment":"neutral","sentiment_score":-0.06839805795962728,"num_words":43,"start":552.23,"end":596.39496},{"sentences":[{"text":"Like, I've just sort of trusted it's doing its thing, you know?","start":596.39496,"end":599.52,"sentiment":"neutral","sentiment_score":0.017731995787471533},{"text":"But I'm trying to sort of learn now.","start":599.60004,"end":601.86005,"sentiment":"neutral","sentiment_score":0.08567847218364477},{"text":"Yeah.","start":622.645,"end":622.96497,"sentiment":"neutral","sentiment_score":0.055736783891916275},{"text":"Just, like, the the gist of it is...","start":622.96497,"end":625.385,"sentiment":"neutral","sentiment_score":0.02450482244603336},{"text":"Yes.","start":625.85004,"end":626.17004,"sentiment":"neutral","sentiment_score":0.02894858457148075}],"sentiment":"neutral","sentiment_score":0.03929785583168268,"num_words":30,"start":596.39496,"end":626.17004},{"sentences":[{"text":"Sorry.","start":626.17004,"end":626.67004,"sentiment":"neutral","sentiment_score":0.00446961959823966},{"text":"The gist of it is the ones that are listed under Australian listed securities, they're not managed.","start":626.73004,"end":633.69,"sentiment":"neutral","sentiment_score":-0.21931990192216985},{"text":"Right?","start":633.69,"end":634.09,"sentiment":"neutral","sentiment_score":-0.10308688879013062},{"text":"They're just over a period...","start":634.09,"end":636.81,"sentiment":"neutral","sentiment_score":-0.13894109129905702},{"text":"Is it over a period of twelve months?","start":636.81,"end":638.595,"sentiment":"neutral","sentiment_score":-0.11790049262344837}],"sentiment":"neutral","sentiment_score":-0.17078015622973908,"num_words":32,"start":626.17004,"end":638.595},{"sentences":[{"text":"Right.","start":647.795,"end":648.295,"sentiment":"neutral","sentiment_score":0.056476302444934845},{"text":"Right.","start":655.98,"end":656.48,"sentiment":"neutral","sentiment_score":0.03608497977256775},{"text":"Right.","start":670.465,"end":670.965,"sentiment":"neutral","sentiment_score":0.016787517815828323},{"text":"That makes sense.","start":791.735,"end":792.615,"sentiment":"neutral","sentiment_score":0.12832598388195038},{"text":"So when you do invest this money into, like, one of these ETFs, like, I guess, how do you guys choose, like, out of everything that you can choose from, how do...","start":792.615,"end":805.64996,"sentiment":"neutral","sentiment_score":0.0527954715071246}],"sentiment":"neutral","sentiment_score":0.057467943155451826,"num_words":38,"start":647.795,"end":805.64996},{"sentences":[{"text":"What makes you guys choose, like, in my situation, these ones, for example?","start":805.64996,"end":809.67,"sentiment":"neutral","sentiment_score":0.020407822269659776}],"sentiment":"neutral","sentiment_score":0.020407822269659776,"num_words":13,"start":805.64996,"end":809.67}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Sandeep. This is Dana from OKIE Financial. How are you this afternoon?\n\nChannel 1: Good, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks so much for returning my call. How's your day been?\n\nChannel 1: Yeah. Busy. Sorry about before. I was just\n\nChannel 0: No.\n\nChannel 1: a bit flat out.\n\nChannel 0: That's absolutely fine. I had sent you through the DocuSign with your annual review docs attached, and I have sort of outlined a bit of an email there separately as well to kind of run you through the annual review information just in case you were extremely busy. But, honestly, I'm so glad that you called back. I did have a bit of a look at things prior to my original call, and there's definitely some advice I'd like to look at to sort of help you move things along a little bit as well. So\n\nChannel 1: Yep.\n\nChannel 0: do you have time now to run through things with me and have a look at your annual review documents? Yeah. Absolutely. Cindy, do you happen to have your email open there at the moment as well?\n\nChannel 1: Yep. I can... Yep. I\n\nChannel 0: Yes,\n\nChannel 1: can see you've sent me something. Yep.\n\nChannel 0: ma'am. You're right. Not a problem. I can hear you've got Bobby in the background there. Is that right?\n\nChannel 1: Yeah. I'm looking after him for a bit. I I hope he doesn't interrupt\n\nChannel 0: Oh,\n\nChannel 1: too much.\n\nChannel 0: look. Honestly, please don't worry. I have children as well. So if he does need... If that's fussing you, just let me know, and I'll happily stop.\n\nIt's not a problem at\n\nChannel 1: Thanks.\n\nChannel 0: all.\n\nChannel 1: Thanks so much.\n\nChannel 0: That's okay. So on the first document, when you do see your email there, it'll just say summary of superannuation and insurances. If you could just let me know when you can see that one.\n\nChannel 1: What did you say it says? Summary of what?\n\nChannel 0: Summary of superannuation and insurances should be the first document in the in the order signed there.\n\nChannel 1: Sorry. I opened the wrong email.\n\nChannel 0: That's okay.\n\nChannel 1: Find\n\nChannel 0: Yeah.\n\nChannel 1: document. Okay. Yep. I can see it.\n\nChannel 0: Yeah. Beautiful. So it's giving you an update there of your balance there. So as of the September 28, which is when these documents were prepared, the current balance showing 82,482 thousand $421.66 there within hub twenty four. Having a\n\nChannel 1: Yep.\n\nChannel 0: look back at your balance last year, your annual review, you had about 62,625. There has been an increase there. When you sort of look at how the performance has been with the individual investments, if you go forward to the next page, you'll see your performance report with the internal rate of return.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. The first page there does outline all the individual investments, how they have performed, essentially. Majority of things have gone really well. This year has been very up and down with the markets with everything that has been going on globally. And with your portfolio, you have stayed and remained invested throughout those ups and downs.\n\nSo looking at all the individual investments, most things have done quite well. Just noting the top investment there, the Bennelong Australian Equities. Now this investment has been down. That investment manager was originally placed in your super as more of an actively managed fund there. So the investment manager within the Bennelong Fund is supposed to be trying to pick and time the market outperform against the market.\n\nThey haven't been able to do that this year. So it\n\nChannel 1: Can\n\nChannel 0: does\n\nChannel 1: I\n\nChannel 0: sort\n\nChannel 1: just\n\nChannel 0: of mean,\n\nChannel 1: butt in here for a sec?\n\nChannel 0: sure.\n\nChannel 1: That...\n\nChannel 0: Absolutely.\n\nChannel 1: So can you just tell me... Like,\n\nChannel 0: Yeah.\n\nChannel 1: talk to me in full on layman's terms. How do I\n\nChannel 0: Yeah.\n\nChannel 1: read this? So you know how you're saying it didn't it didn't\n\nChannel 0: Yeah.\n\nChannel 1: go well. Like,\n\nChannel 0: Yes.\n\nChannel 1: can you teach me how to just... Just quickly how to read that?\n\nChannel 0: Oh, of course. Absolutely. So on the first line there, you've got your individual investments there. When you go to the second last column, you'll have your internal rate of return. That is showing you how the individual investments have performed individually over the past twelve months.\n\nOkay?\n\nChannel 1: Okay. So the so the initial investment was $9, $9.5,\n\nChannel 0: Yep. That was in\n\nChannel 1: and\n\nChannel 0: there\n\nChannel 1: it\n\nChannel 0: 12\n\nChannel 1: performed...\n\nChannel 0: months ago with how much you had in there. Yeah.\n\nChannel 1: Okay. And it and then it performed at 17%. Is that right?\n\nChannel 0: That's a negative. So because of the brackets around it, it's showing as a negative figure. Yeah. So with that first one there, this time last year, you had $9,589.49 in there. In that\n\nChannel 1: Mhmm.\n\nChannel 0: time, money's been invested in. Well, you've invested $637 into that investment there. That shows the current market value. And then the next column, you've got the income that's being produced out of the investment. So think about dividends out of being paid.\n\nChannel 1: I\n\nChannel 0: The\n\nChannel 1: understand.\n\nChannel 0: following...\n\nChannel 1: Okay. So that's how much\n\nChannel 0: Yeah.\n\nChannel 1: we lost. So we came down to 8,300.\n\nChannel 0: Yeah. So the growth in the period shows a negative as well. So it means that the portfolio, the BANELON Australian Equities investment is down as a dollar figure by $18.85 and 25¢, and\n\nChannel 1: Okay.\n\nChannel 0: it's 17% drop on the investment for that individual investment there. So\n\nChannel 1: I understand.\n\nChannel 0: it does look... It looks bigger because it's a percentage, but, realistically, you've not lost a lot of money in there. But I don't want that to compound and get any bigger. So because that investment isn't working the way we want it to, it\n\nChannel 1: Yep.\n\nChannel 0: had been performing really well for a certain period of time.\n\nChannel 1: Sorry.\n\nChannel 0: It's just that it's, no, you're\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. It had been performing really well up until a certain period of time. It's just that recently, it's not performing as well. So we wanna\n\nChannel 1: Shit. Okay.\n\nChannel 0: take a step to remove that for you now. Okay?\n\nChannel 1: Alright. Yep.\n\nChannel 0: Yeah. Yeah. To make it a bit easier, if you look at the second page of that document there... Yeah. Beautiful.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: you look\n\nChannel 1: Hold\n\nChannel 0: at\n\nChannel 1: on\n\nChannel 0: the\n\nChannel 1: one\n\nChannel 0: same...\n\nChannel 1: sec. That is fine.\n\nChannel 0: You alright?\n\nChannel 1: Shoes. We don't yell. Okay? Sorry. So...\n\nChannel 0: No. You're absolutely fine. If you look at the second last column of that same report, it basically correlates everything from the above page and correlates into how your total portfolio. So they pull all the investments together, all the income, all the growth, and everything is a correlate, and it shows that for the for the whole year, your total portfolio has made after fees 4.13. So it is much more of a lower rate of return, but it does show over all your up on last year.\n\nYour portfolio has still made money. You're still seeing a positive return, albeit it is very much lower, and it is sort of being held back mostly by that Bennelong investment there. Everything else, if you look at that first page, is up doing really well. Most things have, you know, gone through the ups and downs this year quite positively. It's just that one investment seems to be holding your portfolio back a little bit.\n\nSo we do wanna look at removing that one out. Does that make sense?\n\nChannel 1: Okay. Yes. It\n\nChannel 0: Yeah.\n\nChannel 1: does. Yep.\n\nChannel 0: Yeah. All good. So what I sort of wanted to find out from you... And if you don't have a preference, it's absolutely fine. When we look at the different ways in order to invest in our super, we can have, investments that are actively managed like that then along Australian equities investment where the fund manager is supposed to be trying to outperform against the market.\n\nThere's no guarantees they can do so. They don't every year guaranteed. And you can pay a little bit more in investment fees to have those sorts of investments in your portfolio. Or we could look at maybe having more of a lower cost investment option and replace that something with more... Something more passive, which over the longer term could save you in fees and also perform much better depending on the market conditions.\n\nIs there a preference to see how you would like to see your portfolio developed, or do you have any further questions there?\n\nChannel 1: Well, the thing is because I don't know this stuff, like, really at all. Like, if if I were to just look\n\nChannel 0: Yeah.\n\nChannel 1: at it... So\n\nChannel 0: Yeah.\n\nChannel 1: if if we were to just put it in, like, see under the ones that are not managed,\n\nChannel 0: Yep.\n\nChannel 1: like, they seem to just be performing okay. Well, like, a few of them\n\nChannel 0: Yeah.\n\nChannel 1: do anyway.\n\nChannel 0: Absolutely.\n\nChannel 1: What would you recommend? Like, what would you do in this situation?\n\nChannel 0: Honestly, when I sort of look at the way most investments do perform, active managers can outperform against the market when they do really well. However, they don't do it every year. If you had a look at all the active managers on the market, you'll find that some years, some do really well. Other years, those same investment managers underperform very heavily. In order for an active manager to outperform against the market, it also needs to not drop as much as the market does.\n\nSo, you know, they don't have to perform great to be able to beat the market. It's just about how how they do, but they don't always do it, and you tend to pay more money. Realistically, if you were to have a portfolio built on, you know, seven to 10 different ETFs, we could get sometimes better returns, maybe lower the cost of fees within your portfolio, and maybe get your super working a little bit harder for you. Would that be something you're more open to?\n\nChannel 1: Yeah. What does ATS mean?\n\nChannel 0: Exchange traded funds. So they're managed funds that you can buy on an exchange like the ASX, like the Australian stock market.\n\nChannel 1: Gotcha. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I think that's\n\nChannel 0: Yeah.\n\nChannel 1: probably the way we go. Right?\n\nChannel 0: Yeah. Absolutely. I'll have a look at the options I've got. I... I've had a bit of a look prime.\n\nThere's definitely some things I'd love to be able to swap out for you. I'll have a look at the rest of your portfolio as well to see maybe if changing or switching things out in other areas might also help you provide, you know, greater long term growth as well. So I can have a look at all those options and maybe do some switching, update your portfolio for you, and see what we can do to lower the cost of your portfolio, but also look at, you know, trying to get it working a bit harder for you. Does that sound okay, Sandeep?\n\nChannel 1: Yeah. Yeah. Just so you know, like,\n\nChannel 0: Yeah.\n\nChannel 1: everything that you're telling me, I'm still just sort of getting my head. Like, it's hard for me to\n\nChannel 0: That's\n\nChannel 1: sort of\n\nChannel 0: okay.\n\nChannel 1: understand because I've never really, I guess, for lack of a better word, cared. Like, I've just sort of\n\nChannel 0: Yeah.\n\nChannel 1: trusted it's doing its thing, you know? But I'm\n\nChannel 0: Absolutely.\n\nChannel 1: trying to sort of learn now.\n\nChannel 0: Please please feel free to ask me any questions. One of the things I really enjoy about my job is being able to educate because you're right. Not a lot of people understand a lot of this. So please feel free to ask me any questions you have. I'll break it down as much as I can.\n\nAnd if you're still not sure, let me know, and I'll, you know, make sure to help you understand it further. So, yeah, is\n\nChannel 1: Yeah.\n\nChannel 0: there anything\n\nChannel 1: Just, like, the\n\nChannel 0: question\n\nChannel 1: the\n\nChannel 0: wise\n\nChannel 1: gist\n\nChannel 0: at the\n\nChannel 1: of\n\nChannel 0: moment?\n\nChannel 1: it is...\n\nChannel 0: Sure.\n\nChannel 1: Yes. Sorry. The gist of\n\nChannel 0: No.\n\nChannel 1: it is the ones that are listed under Australian listed securities, they're not\n\nChannel 0: Mhmm.\n\nChannel 1: managed. Right? They're just over a period... Is it over a period of twelve months?\n\nChannel 0: So sorry. So you... Okay. So listed securities. So those are essentially your ETFs, your exchange traded funds.\n\nThese\n\nChannel 1: Right.\n\nChannel 0: ones here are diversified managed fund, essentially. They're not actively managed like the ones above are. It's just the sort of\n\nChannel 1: Right.\n\nChannel 0: way they are set up. So if you think about, as example, the physical gold, that one there is giving you access and exposure to actual physical gold bullion, and that is tracking how gold trades. If you\n\nChannel 1: Right.\n\nChannel 0: look at the very bottom one, the S and P 500, this here is tracking the top 500 companies on the American S and P 500 index. So the ETF itself is tracking a certain industries. It's essentially passively managed because it's not trying... You don't have active managers or you don't have investment managers or people trying to buy and sell and time the market. Essentially, that investment is tracking the S and P 500 index.\n\nSo whenever there's a change in the index, this investment makes a change in line with that. The idea is you have what's called passive or active management. So passive management is when you're in an investment that just tracks a certain market, a certain condition, or just, you know, follows a certain industries, and it just goes up and down with the market. They make very little changes unless changes need to be made in the index or in the area of the market that they're tracking. Whereas an actively managed managed fund like Bannalong, you have the investment managers looking at everything on a much wider scale.\n\nThey're looking at the investments. They're doing a lot more, you know, I think Warren Buffett style. They're buying in and trying to time the market. They're picking, you know, when the stock might be the right price to buy in at, and they're valuing all the investments individually. So the benefit to an ETF is that it is...\n\nTends to be a lot cheaper to hold. You tend to see a lot less changes. They can... Because they stay invested through the ups and downs, and they're not trying to time the market, they can get much better returns for your super over the longer term. And they're often a lot cheaper as well because you don't have someone trying to time the market, trying to value individual investments.\n\nThey're just watching what the index does or the investments that they're tracking on the market, what they do, and making changes as they need to. They make less changes over the course of the year than an active manager realistically does. Does that make sense?\n\nChannel 1: That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense. So when you do invest this money into, like, one of these ETFs,\n\nChannel 0: Mhmm.\n\nChannel 1: like, I guess, how do you guys choose, like, out of everything that you can choose from, how do... What makes you guys choose, like, in my situation, these ones, for example?\n\nChannel 0: Yeah. Yes. That's a really good question. So, essentially, we've got thousands of different ETFs and managed funds and investments that we can essentially invest in. So what we do is our investment committee as well as the advisers, we go back and we have a look at your risk profiling.\n\nWe have a look at how much time you have between now to when you're wanting to access your super, and we have a look at how the different investments have been invested. We look at what index they're tracking. We have a look at what they're invested in, how many investments they're in... Invested in, and, you know, what they're sort of doing. We have a look at the cost inside of that, and we build portfolios with different ETFs or different managed funds there to try and make sure that they're working harder for you to give you a diversified range of investments.\n\nSo when we say diversified, we mean a wide range of different investments.","paragraphs":[{"sentences":[{"text":"Hi, Sandeep.","start":2.0,"end":2.72,"sentiment":"neutral","sentiment_score":0.12377847731113434},{"text":"This is Dana from OKIE Financial.","start":2.72,"end":4.26,"sentiment":"neutral","sentiment_score":0.1320161148905754},{"text":"How are you this afternoon?","start":4.3199997,"end":5.46,"sentiment":"neutral","sentiment_score":0.1820355772972107}],"sentiment":"neutral","sentiment_score":0.14998704080398267,"channel":0,"num_words":13,"start":2.0,"end":5.46},{"sentences":[{"text":"Good, Dana.","start":6.0,"end":6.56,"sentiment":"positive","sentiment_score":0.4781596064567566},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.3263979951540629}],"sentiment":"positive","sentiment_score":0.38710263967514036,"channel":1,"num_words":5,"start":6.0,"end":7.3799996},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.32,"sentiment":"positive","sentiment_score":0.5890004436175028},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.6945149600505829},{"text":"Thanks so much for returning my call.","start":8.72,"end":10.4,"sentiment":"positive","sentiment_score":0.6622956309999738},{"text":"How's your day been?","start":10.4,"end":11.7,"sentiment":"neutral","sentiment_score":0.3298330157995224}],"sentiment":"positive","sentiment_score":0.5694645456969738,"channel":0,"num_words":16,"start":7.52,"end":11.7},{"sentences":[{"text":"Yeah.","start":12.0,"end":12.32,"sentiment":"neutral","sentiment_score":0.013728364370763302},{"text":"Busy.","start":12.32,"end":12.719999,"sentiment":"neutral","sentiment_score":-0.04052671790122986},{"text":"Sorry about before.","start":12.719999,"end":13.759999,"sentiment":"neutral","sentiment_score":-0.12555024276177087},{"text":"I was just","start":13.759999,"end":14.32,"sentiment":"neutral","sentiment_score":-0.1328390141328176}],"sentiment":"neutral","sentiment_score":-0.100245765526779,"channel":1,"num_words":8,"start":12.0,"end":14.32},{"sentences":[{"text":"No.","start":14.235,"end":14.735,"sentiment":"neutral","sentiment_score":-0.23720131814479828}],"sentiment":"neutral","sentiment_score":-0.23720131814479828,"channel":0,"num_words":1,"start":14.235,"end":14.735},{"sentences":[{"text":"a bit flat out.","start":14.32,"end":15.54,"sentiment":"neutral","sentiment_score":-0.2889925166964531}],"sentiment":"neutral","sentiment_score":-0.2889925166964531,"channel":1,"num_words":4,"start":14.32,"end":15.54},{"sentences":[{"text":"That's absolutely fine.","start":16.474998,"end":17.595,"sentiment":"positive","sentiment_score":0.35350821415583294},{"text":"I had sent you through the DocuSign with your annual review docs attached, and I have sort of outlined a bit of an email there separately as well to kind of run you through the annual review information just in case you were extremely busy.","start":17.595,"end":28.539999,"sentiment":"neutral","sentiment_score":0.13592546160022417},{"text":"But, honestly, I'm so glad that you called back.","start":28.539999,"end":31.119999,"sentiment":"positive","sentiment_score":0.6530089775721232},{"text":"I did have a bit of a look at things prior to my original call, and there's definitely some advice I'd like to look at to sort of help you move things along a little bit as well.","start":31.66,"end":40.14,"sentiment":"positive","sentiment_score":0.35842561682588175},{"text":"So","start":40.14,"end":40.64,"sentiment":"neutral","sentiment_score":0.1133013367652893}],"sentiment":"neutral","sentiment_score":0.27903881238307804,"channel":0,"num_words":96,"start":16.474998,"end":40.64},{"sentences":[{"text":"Yep.","start":40.71,"end":41.21,"sentiment":"neutral","sentiment_score":0.0915735960006714}],"sentiment":"neutral","sentiment_score":0.0915735960006714,"channel":1,"num_words":1,"start":40.71,"end":41.21},{"sentences":[{"text":"do you have time now to run through things with me and have a look at your annual review documents?","start":41.925,"end":46.265,"sentiment":"neutral","sentiment_score":0.0818971924483776},{"text":"Yeah.","start":47.684998,"end":48.085,"sentiment":"neutral","sentiment_score":0.0751175805926323},{"text":"Absolutely.","start":48.085,"end":48.585,"sentiment":"neutral","sentiment_score":0.07941959798336029},{"text":"Cindy, do you happen to have your email open there at the moment as well?","start":49.045,"end":52.585,"sentiment":"neutral","sentiment_score":0.04070374518632889}],"sentiment":"neutral","sentiment_score":0.06494695149563454,"channel":0,"num_words":37,"start":41.925,"end":52.585},{"sentences":[{"text":"Yep.","start":52.395,"end":52.895,"sentiment":"neutral","sentiment_score":0.02999144606292248},{"text":"I can...","start":53.195,"end":54.095,"sentiment":"neutral","sentiment_score":0.0267618577927351},{"text":"Yep.","start":55.114998,"end":55.614998,"sentiment":"neutral","sentiment_score":0.0339113287627697},{"text":"I","start":55.93,"end":56.170002,"sentiment":"neutral","sentiment_score":0.03577488288283348}],"sentiment":"neutral","sentiment_score":0.03064027465879917,"channel":1,"num_words":5,"start":52.395,"end":56.170002},{"sentences":[{"text":"Yes,","start":56.14,"end":56.64,"sentiment":"neutral","sentiment_score":0.05609149858355522}],"sentiment":"neutral","sentiment_score":0.05609149858355522,"channel":0,"num_words":1,"start":56.14,"end":56.64},{"sentences":[{"text":"can see you've sent me something.","start":56.170002,"end":57.69,"sentiment":"neutral","sentiment_score":0.052339546382427216},{"text":"Yep.","start":57.69,"end":58.19,"sentiment":"neutral","sentiment_score":0.05777285620570183}],"sentiment":"neutral","sentiment_score":0.05311573350003788,"channel":1,"num_words":7,"start":56.170002,"end":58.19},{"sentences":[{"text":"ma'am.","start":58.14,"end":58.46,"sentiment":"neutral","sentiment_score":0.07907230406999588},{"text":"You're right.","start":58.46,"end":59.1,"sentiment":"neutral","sentiment_score":0.09292318299412727},{"text":"Not a problem.","start":59.1,"end":59.66,"sentiment":"neutral","sentiment_score":0.10725815842549007},{"text":"I can hear you've got Bobby in the background there.","start":59.66,"end":61.739998,"sentiment":"neutral","sentiment_score":0.051041973009705546},{"text":"Is that right?","start":61.739998,"end":62.64,"sentiment":"neutral","sentiment_score":0.057557626316944756}],"sentiment":"neutral","sentiment_score":0.06683082917803213,"channel":0,"num_words":19,"start":58.14,"end":62.64},{"sentences":[{"text":"Yeah.","start":63.05,"end":63.45,"sentiment":"neutral","sentiment_score":0.02712869644165039},{"text":"I'm looking after him for a bit.","start":63.45,"end":65.45,"sentiment":"neutral","sentiment_score":0.02290512834276472},{"text":"I I hope he doesn't interrupt","start":65.45,"end":67.45,"sentiment":"neutral","sentiment_score":0.003308391897007823}],"sentiment":"neutral","sentiment_score":0.014808210444503598,"channel":1,"num_words":14,"start":63.05,"end":67.45},{"sentences":[{"text":"Oh,","start":67.215,"end":67.715,"sentiment":"neutral","sentiment_score":-0.011324594728648664}],"sentiment":"neutral","sentiment_score":-0.011324594728648664,"channel":0,"num_words":1,"start":67.215,"end":67.715},{"sentences":[{"text":"too much.","start":67.45,"end":68.19,"sentiment":"neutral","sentiment_score":-0.013412866275757551}],"sentiment":"neutral","sentiment_score":-0.013412866275757551,"channel":1,"num_words":2,"start":67.45,"end":68.19},{"sentences":[{"text":"look.","start":68.73499,"end":69.05499,"sentiment":"neutral","sentiment_score":0.011808042414486408},{"text":"Honestly, please don't worry.","start":69.05499,"end":70.494995,"sentiment":"neutral","sentiment_score":0.03462269017472863},{"text":"I have children as well.","start":70.494995,"end":71.854996,"sentiment":"neutral","sentiment_score":0.05058997571468353},{"text":"So if he does need...","start":71.854996,"end":73.295,"sentiment":"neutral","sentiment_score":0.02872661463916302},{"text":"If that's fussing you, just let me know, and I'll happily stop.","start":73.295,"end":76.174995,"sentiment":"neutral","sentiment_score":0.047338694877301656}],"sentiment":"neutral","sentiment_score":0.041294299755935314,"channel":0,"num_words":27,"start":68.73499,"end":76.174995},{"sentences":[{"text":"It's not a problem at","start":76.174995,"end":77.375,"sentiment":"neutral","sentiment_score":0.18963134288787842}],"sentiment":"neutral","sentiment_score":0.18963134288787842,"channel":0,"num_words":5,"start":76.174995,"end":77.375},{"sentences":[{"text":"Thanks.","start":77.185005,"end":77.585,"sentiment":"neutral","sentiment_score":0.3026151955127716}],"sentiment":"neutral","sentiment_score":0.3026151955127716,"channel":1,"num_words":1,"start":77.185005,"end":77.585},{"sentences":[{"text":"all.","start":77.375,"end":77.875,"sentiment":"neutral","sentiment_score":0.2321719527244568}],"sentiment":"neutral","sentiment_score":0.2321719527244568,"channel":0,"num_words":1,"start":77.375,"end":77.875},{"sentences":[{"text":"Thanks so much.","start":77.585,"end":78.645004,"sentiment":"positive","sentiment_score":0.5103006660938263}],"sentiment":"positive","sentiment_score":0.5103006660938263,"channel":1,"num_words":3,"start":77.585,"end":78.645004},{"sentences":[{"text":"That's okay.","start":79.295,"end":80.274994,"sentiment":"neutral","sentiment_score":0.210670568048954},{"text":"So on the first document, when you do see your email there, it'll just say summary of superannuation and insurances.","start":81.17,"end":86.71,"sentiment":"neutral","sentiment_score":0.0931515272706747},{"text":"If you could just let me know when you can see that one.","start":86.85,"end":89.509995,"sentiment":"neutral","sentiment_score":0.07491846267993633}],"sentiment":"neutral","sentiment_score":0.0930946198957307,"channel":0,"num_words":35,"start":79.295,"end":89.509995},{"sentences":[{"text":"What did you say it says?","start":91.96,"end":92.92,"sentiment":"neutral","sentiment_score":0.0002473139514525731},{"text":"Summary of what?","start":92.92,"end":94.3,"sentiment":"neutral","sentiment_score":-0.008704320644028485}],"sentiment":"neutral","sentiment_score":-0.0027365642470411128,"channel":1,"num_words":9,"start":91.96,"end":94.3},{"sentences":[{"text":"Summary of superannuation and insurances should be the first document in the in the order signed there.","start":94.115,"end":100.135,"sentiment":"neutral","sentiment_score":0.0407291526960976}],"sentiment":"neutral","sentiment_score":0.0407291526960976,"channel":0,"num_words":17,"start":94.115,"end":100.135},{"sentences":[{"text":"Sorry.","start":99.96,"end":100.2,"sentiment":"neutral","sentiment_score":-0.1187923699617386},{"text":"I opened the wrong email.","start":100.2,"end":101.5,"sentiment":"neutral","sentiment_score":-0.1773583173751831}],"sentiment":"neutral","sentiment_score":-0.167597326139609,"channel":1,"num_words":6,"start":99.96,"end":101.5},{"sentences":[{"text":"That's okay.","start":102.675,"end":103.495,"sentiment":"neutral","sentiment_score":-0.05435545556247234}],"sentiment":"neutral","sentiment_score":-0.05435545556247234,"channel":0,"num_words":2,"start":102.675,"end":103.495},{"sentences":[{"text":"Find","start":103.695,"end":104.195,"sentiment":"neutral","sentiment_score":-0.005849303677678108}],"sentiment":"neutral","sentiment_score":-0.005849303677678108,"channel":1,"num_words":1,"start":103.695,"end":104.195},{"sentences":[{"text":"Yeah.","start":105.395004,"end":105.895004,"sentiment":"neutral","sentiment_score":0.0008689425885677338}],"sentiment":"neutral","sentiment_score":0.0008689425885677338,"channel":0,"num_words":1,"start":105.395004,"end":105.895004},{"sentences":[{"text":"document.","start":113.615,"end":114.115,"sentiment":"neutral","sentiment_score":0.0019215019419789312},{"text":"Okay.","start":117.295,"end":117.534996,"sentiment":"neutral","sentiment_score":0.02946900948882103},{"text":"Yep.","start":117.534996,"end":117.935,"sentiment":"neutral","sentiment_score":0.06881058216094971},{"text":"I can see it.","start":117.935,"end":118.86,"sentiment":"neutral","sentiment_score":0.08635122701525688}],"sentiment":"neutral","sentiment_score":0.06365800023611103,"channel":1,"num_words":7,"start":113.615,"end":118.86},{"sentences":[{"text":"Yeah.","start":118.755,"end":119.155,"sentiment":"neutral","sentiment_score":0.31445491313934326},{"text":"Beautiful.","start":119.155,"end":119.635,"sentiment":"positive","sentiment_score":0.6088022589683533},{"text":"So it's giving you an update there of your balance there.","start":119.635,"end":121.795,"sentiment":"neutral","sentiment_score":0.28886185721917584},{"text":"So as of the September 28, which is when these documents were prepared, the current balance showing 82,482 thousand $421.66 there within hub twenty four.","start":121.795,"end":133.655,"sentiment":"neutral","sentiment_score":0.10894260793924332},{"text":"Having a","start":133.79001,"end":134.19,"sentiment":"neutral","sentiment_score":0.0951041653752327}],"sentiment":"neutral","sentiment_score":0.1753627782687545,"channel":0,"num_words":40,"start":118.755,"end":134.19},{"sentences":[{"text":"Yep.","start":134.14,"end":134.595,"sentiment":"neutral","sentiment_score":0.0966503918170929}],"sentiment":"neutral","sentiment_score":0.0966503918170929,"channel":1,"num_words":1,"start":134.14,"end":134.595},{"sentences":[{"text":"look back at your balance last year, your annual review, you had about 62,625.","start":134.19,"end":139.47,"sentiment":"neutral","sentiment_score":0.11634313155497823},{"text":"There has been an increase there.","start":139.47,"end":141.33,"sentiment":"neutral","sentiment_score":0.0848373423020045},{"text":"When you sort of look at how the performance has been with the individual investments, if you go forward to the next page, you'll see your performance report with the internal rate of return.","start":142.35,"end":151.465,"sentiment":"neutral","sentiment_score":0.11129665791111834}],"sentiment":"neutral","sentiment_score":0.10966507897332863,"channel":0,"num_words":54,"start":134.19,"end":151.465},{"sentences":[{"text":"Okay.","start":152.54001,"end":152.94,"sentiment":"neutral","sentiment_score":0.09662710130214693},{"text":"Yep.","start":152.94,"end":153.44,"sentiment":"neutral","sentiment_score":0.10718056559562684}],"sentiment":"neutral","sentiment_score":0.10190383344888689,"channel":1,"num_words":2,"start":152.54001,"end":153.44},{"sentences":[{"text":"Yeah.","start":153.925,"end":154.425,"sentiment":"neutral","sentiment_score":0.1364307403564453},{"text":"The first page there does outline all the individual investments, how they have performed, essentially.","start":154.645,"end":159.385,"sentiment":"neutral","sentiment_score":0.1835755745569865},{"text":"Majority of things have gone really well.","start":160.18,"end":162.02,"sentiment":"neutral","sentiment_score":0.26619876069681986},{"text":"This year has been very up and down with the markets with everything that has been going on globally.","start":162.02,"end":166.44,"sentiment":"neutral","sentiment_score":-0.10514099425391148},{"text":"And with your portfolio, you have stayed and remained invested throughout those ups and downs.","start":166.66,"end":170.9,"sentiment":"neutral","sentiment_score":-0.02596735234061877}],"sentiment":"neutral","sentiment_score":0.041513447502726,"channel":0,"num_words":57,"start":153.925,"end":170.9},{"sentences":[{"text":"So looking at all the individual investments, most things have done quite well.","start":170.9,"end":175.48,"sentiment":"neutral","sentiment_score":0.23285187436984137},{"text":"Just noting the top investment there, the Bennelong Australian Equities.","start":175.835,"end":179.035,"sentiment":"neutral","sentiment_score":0.04604556616395712},{"text":"Now this investment has been down.","start":179.035,"end":180.955,"sentiment":"neutral","sentiment_score":-0.14905316879351935},{"text":"That investment manager was originally placed in your super as more of an actively managed fund there.","start":180.955,"end":187.595,"sentiment":"neutral","sentiment_score":-0.08636252078063347},{"text":"So the investment manager within the Bennelong Fund is supposed to be trying to pick and time the market outperform against the market.","start":187.595,"end":194.48001,"sentiment":"neutral","sentiment_score":-0.03029400004964808}],"sentiment":"neutral","sentiment_score":0.006207045815561129,"channel":0,"num_words":69,"start":170.9,"end":194.48001},{"sentences":[{"text":"They haven't been able to do that this year.","start":194.48001,"end":196.66,"sentiment":"neutral","sentiment_score":-0.18505319952964783},{"text":"So 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Bennelong investment there.","start":377.38498,"end":385.54498,"sentiment":"neutral","sentiment_score":0.14054939265434557},{"text":"Everything else, if you look at that first page, is up doing really well.","start":385.54498,"end":390.06,"sentiment":"positive","sentiment_score":0.34865428507328033},{"text":"Most things have, you know, gone through the ups and downs this year quite positively.","start":390.44,"end":394.06,"sentiment":"neutral","sentiment_score":0.2146442025899887},{"text":"It's just that one investment seems to be holding your portfolio back a little bit.","start":394.6,"end":398.44,"sentiment":"neutral","sentiment_score":-0.3248452986280123}],"sentiment":"neutral","sentiment_score":0.1272099085740353,"channel":0,"num_words":76,"start":375.54498,"end":398.44},{"sentences":[{"text":"So we do wanna look at removing that one out.","start":398.44,"end":400.935,"sentiment":"neutral","sentiment_score":-0.1663925603032112},{"text":"Does that make 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managed,","start":469.21,"end":474.435,"sentiment":"neutral","sentiment_score":-0.01694756725596057}],"sentiment":"neutral","sentiment_score":-0.01694756725596057,"channel":1,"num_words":18,"start":469.21,"end":474.435},{"sentences":[{"text":"Yep.","start":475.065,"end":475.53,"sentiment":"neutral","sentiment_score":0.037910811603069305}],"sentiment":"neutral","sentiment_score":0.037910811603069305,"channel":0,"num_words":1,"start":475.065,"end":475.53},{"sentences":[{"text":"like, they seem to just be performing okay.","start":475.215,"end":477.695,"sentiment":"neutral","sentiment_score":0.0878165876492858},{"text":"Well, like, a few of 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sometimes better returns, maybe lower the cost of fees within your portfolio, and maybe get your super working a little bit harder for you.","start":521.02496,"end":536.27997,"sentiment":"positive","sentiment_score":0.3372386099601334},{"text":"Would that be something you're more open to?","start":536.27997,"end":539.01996,"sentiment":"neutral","sentiment_score":0.14384295046329498}],"sentiment":"neutral","sentiment_score":0.1401151526634666,"channel":0,"num_words":88,"start":511.88998,"end":539.01996},{"sentences":[{"text":"Yeah.","start":539.485,"end":539.725,"sentiment":"neutral","sentiment_score":0.023050568997859955},{"text":"What does ATS mean?","start":539.725,"end":541.265,"sentiment":"neutral","sentiment_score":0.009236307814717293}],"sentiment":"neutral","sentiment_score":0.011999160051345825,"channel":1,"num_words":5,"start":539.485,"end":541.265},{"sentences":[{"text":"Exchange traded 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go.","start":551.19,"end":552.23,"sentiment":"neutral","sentiment_score":0.12533819079399108},{"text":"Right?","start":552.23,"end":552.73,"sentiment":"neutral","sentiment_score":0.12138406932353972}],"sentiment":"neutral","sentiment_score":0.12467917054891586,"channel":1,"num_words":6,"start":551.19,"end":552.73},{"sentences":[{"text":"Yeah.","start":552.775,"end":553.255,"sentiment":"neutral","sentiment_score":0.19873692095279696},{"text":"Absolutely.","start":553.255,"end":553.755,"sentiment":"positive","sentiment_score":0.4408752620220184},{"text":"I'll have a look at the options I've got.","start":554.135,"end":555.97504,"sentiment":"neutral","sentiment_score":0.2826351490285661},{"text":"I...","start":555.97504,"end":556.135,"sentiment":"neutral","sentiment_score":0.17125292122364044},{"text":"I've had a bit of a look prime.","start":556.135,"end":557.53,"sentiment":"neutral","sentiment_score":0.2209059912711382}],"sentiment":"neutral","sentiment_score":0.25609146878123284,"channel":0,"num_words":20,"start":552.775,"end":557.53},{"sentences":[{"text":"There's definitely some things I'd love to be able to swap out for you.","start":557.53,"end":560.41003,"sentiment":"positive","sentiment_score":0.3882882765361241},{"text":"I'll have a look at the rest of your portfolio as well to see maybe if changing or switching things out in other areas might also help you provide, you know, greater long term growth as well.","start":560.41003,"end":572.245,"sentiment":"positive","sentiment_score":0.3740534991831393},{"text":"So I can have a look at all those options and maybe do some switching, update your portfolio for you, and see what we can do to lower the cost of your portfolio, but also look at, you know, trying to get it working a bit harder for you.","start":572.245,"end":583.445,"sentiment":"neutral","sentiment_score":0.2626383170789602},{"text":"Does that sound okay, Sandeep?","start":583.445,"end":584.94,"sentiment":"neutral","sentiment_score":0.11774422973394394}],"sentiment":"neutral","sentiment_score":0.31175251454114916,"channel":0,"num_words":105,"start":557.53,"end":584.94},{"sentences":[{"text":"Yeah.","start":585.515,"end":585.83496,"sentiment":"neutral","sentiment_score":0.019579242914915085},{"text":"Yeah.","start":585.83496,"end":586.075,"sentiment":"neutral","sentiment_score":0.00151743832975626},{"text":"Just so you know, 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guess, for lack of a better word, cared.","start":592.075,"end":596.39496,"sentiment":"neutral","sentiment_score":-0.05843728913792542},{"text":"Like, I've just sort of","start":596.39496,"end":597.435,"sentiment":"neutral","sentiment_score":-0.012987012416124344}],"sentiment":"neutral","sentiment_score":-0.04647669000060935,"channel":1,"num_words":19,"start":592.075,"end":597.435},{"sentences":[{"text":"Yeah.","start":597.39996,"end":597.89996,"sentiment":"neutral","sentiment_score":0.019601712003350254}],"sentiment":"neutral","sentiment_score":0.019601712003350254,"channel":0,"num_words":1,"start":597.39996,"end":597.89996},{"sentences":[{"text":"trusted it's doing its thing, you know?","start":597.435,"end":599.52,"sentiment":"neutral","sentiment_score":0.03967414450432573},{"text":"But I'm","start":599.60004,"end":600.08,"sentiment":"neutral","sentiment_score":0.04919719323515892}],"sentiment":"neutral","sentiment_score":0.041790377555621996,"channel":1,"num_words":9,"start":597.435,"end":600.08},{"sentences":[{"text":"Absolutely.","start":599.92505,"end":600.42505,"sentiment":"neutral","sentiment_score":0.10199537873268127}],"sentiment":"neutral","sentiment_score":0.10199537873268127,"channel":0,"num_words":1,"start":599.92505,"end":600.42505},{"sentences":[{"text":"trying to sort of learn now.","start":600.08,"end":601.86005,"sentiment":"neutral","sentiment_score":0.09783889849980672}],"sentiment":"neutral","sentiment_score":0.09783889849980672,"channel":1,"num_words":6,"start":600.08,"end":601.86005},{"sentences":[{"text":"Please please feel free to ask me any questions.","start":602.16504,"end":604.24506,"sentiment":"neutral","sentiment_score":0.13069617334339353},{"text":"One of the things I really enjoy about my job is being able to educate because you're right.","start":604.24506,"end":608.965,"sentiment":"positive","sentiment_score":0.560559504561954},{"text":"Not a lot of people understand a lot of this.","start":608.965,"end":611.205,"sentiment":"neutral","sentiment_score":0.05336002856492996},{"text":"So please feel free to ask me any questions you have.","start":611.205,"end":614.46,"sentiment":"neutral","sentiment_score":0.22109653597528284},{"text":"I'll break it down as much as I can.","start":614.68,"end":616.7,"sentiment":"positive","sentiment_score":0.361878365278244}],"sentiment":"neutral","sentiment_score":0.30682287914188283,"channel":0,"num_words":57,"start":602.16504,"end":616.7},{"sentences":[{"text":"And if you're still not sure, let me know, and I'll, you know, make sure to help you understand it further.","start":617.24,"end":622.04004,"sentiment":"neutral","sentiment_score":0.1320124018405165},{"text":"So, yeah, is","start":622.04004,"end":622.68,"sentiment":"neutral","sentiment_score":0.0625235711534818}],"sentiment":"neutral","sentiment_score":0.12332629800463717,"channel":0,"num_words":24,"start":617.24,"end":622.68},{"sentences":[{"text":"Yeah.","start":622.645,"end":622.96497,"sentiment":"neutral","sentiment_score":0.055736783891916275}],"sentiment":"neutral","sentiment_score":0.055736783891916275,"channel":1,"num_words":1,"start":622.645,"end":622.96497},{"sentences":[{"text":"there anything","start":622.68,"end":623.42004,"sentiment":"neutral","sentiment_score":0.042834874242544174}],"sentiment":"neutral","sentiment_score":0.042834874242544174,"channel":0,"num_words":2,"start":622.68,"end":623.42004},{"sentences":[{"text":"Just, like, the","start":622.96497,"end":623.925,"sentiment":"neutral","sentiment_score":0.024278830736875534}],"sentiment":"neutral","sentiment_score":0.024278830736875534,"channel":1,"num_words":3,"start":622.96497,"end":623.925},{"sentences":[{"text":"question","start":623.64,"end":624.04004,"sentiment":"neutral","sentiment_score":0.045990701764822006}],"sentiment":"neutral","sentiment_score":0.045990701764822006,"channel":0,"num_words":1,"start":623.64,"end":624.04004},{"sentences":[{"text":"the","start":623.925,"end":624.165,"sentiment":"neutral","sentiment_score":0.023267533630132675}],"sentiment":"neutral","sentiment_score":0.023267533630132675,"channel":1,"num_words":1,"start":623.925,"end":624.165},{"sentences":[{"text":"wise","start":624.04004,"end":624.28,"sentiment":"neutral","sentiment_score":0.03639001026749611}],"sentiment":"neutral","sentiment_score":0.03639001026749611,"channel":0,"num_words":1,"start":624.04004,"end":624.28},{"sentences":[{"text":"gist","start":624.165,"end":624.485,"sentiment":"neutral","sentiment_score":0.05300813913345337}],"sentiment":"neutral","sentiment_score":0.05300813913345337,"channel":1,"num_words":1,"start":624.165,"end":624.485},{"sentences":[{"text":"at 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is...","start":624.645,"end":625.385,"sentiment":"neutral","sentiment_score":0.009705460630357265}],"sentiment":"neutral","sentiment_score":0.009705460630357265,"channel":1,"num_words":2,"start":624.645,"end":625.385},{"sentences":[{"text":"Sure.","start":625.795,"end":626.295,"sentiment":"neutral","sentiment_score":0.049448028206825256}],"sentiment":"neutral","sentiment_score":0.049448028206825256,"channel":0,"num_words":1,"start":625.795,"end":626.295},{"sentences":[{"text":"Yes.","start":625.85004,"end":626.17004,"sentiment":"neutral","sentiment_score":0.02894858457148075},{"text":"Sorry.","start":626.17004,"end":626.67004,"sentiment":"neutral","sentiment_score":0.00446961959823966},{"text":"The gist of","start":626.73004,"end":627.53,"sentiment":"neutral","sentiment_score":-0.10466789702574412}],"sentiment":"neutral","sentiment_score":-0.05611709738150239,"channel":1,"num_words":5,"start":625.85004,"end":627.53},{"sentences":[{"text":"No.","start":627.47504,"end":627.97504,"sentiment":"neutral","sentiment_score":-0.2614661157131195}],"sentiment":"neutral","sentiment_score":-0.2614661157131195,"channel":0,"num_words":1,"start":627.47504,"end":627.97504},{"sentences":[{"text":"it is the ones that are listed under Australian listed securities, they're 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you","start":670.17,"end":670.49,"sentiment":"neutral","sentiment_score":0.03270271047949791}],"sentiment":"neutral","sentiment_score":0.06429153435716503,"channel":0,"num_words":38,"start":656.085,"end":670.49},{"sentences":[{"text":"Right.","start":670.465,"end":670.965,"sentiment":"neutral","sentiment_score":0.016787517815828323}],"sentiment":"neutral","sentiment_score":0.016787517815828323,"channel":1,"num_words":1,"start":670.465,"end":670.965},{"sentences":[{"text":"look at the very bottom one, the S and P 500, this here is tracking the top 500 companies on the American S and P 500 index.","start":670.49,"end":680.43,"sentiment":"neutral","sentiment_score":0.04355938732624054},{"text":"So the ETF itself is tracking a certain industries.","start":680.57,"end":683.79,"sentiment":"neutral","sentiment_score":0.06739203135172527},{"text":"It's essentially passively managed because it's not 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hold.","start":754.875,"end":756.895,"sentiment":"positive","sentiment_score":0.48959266394376755},{"text":"You tend to see a lot less changes.","start":757.25,"end":759.08997,"sentiment":"neutral","sentiment_score":0.1494231065735221},{"text":"They can...","start":759.08997,"end":759.64996,"sentiment":"neutral","sentiment_score":0.0861818939447403},{"text":"Because they stay invested through the ups and downs, and they're not trying to time the market, they can get much better returns for your super over the longer term.","start":759.64996,"end":768.71,"sentiment":"positive","sentiment_score":0.4084902013341586},{"text":"And they're often a lot cheaper as well because you don't have someone trying to time the market, trying to value individual 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makes","start":791.735,"end":792.295,"sentiment":"neutral","sentiment_score":0.13361237943172455}],"sentiment":"neutral","sentiment_score":0.13361237943172455,"channel":1,"num_words":2,"start":791.735,"end":792.295},{"sentences":[{"text":"Yeah.","start":792.14,"end":792.64,"sentiment":"neutral","sentiment_score":0.1884164810180664}],"sentiment":"neutral","sentiment_score":0.1884164810180664,"channel":0,"num_words":1,"start":792.14,"end":792.64},{"sentences":[{"text":"sense.","start":792.295,"end":792.615,"sentiment":"neutral","sentiment_score":0.11775319278240204},{"text":"So when you do invest this money into, like, one of these ETFs,","start":792.615,"end":797.99,"sentiment":"neutral","sentiment_score":0.07677493359033878}],"sentiment":"neutral","sentiment_score":0.07970195210405759,"channel":1,"num_words":14,"start":792.295,"end":797.99},{"sentences":[{"text":"Mhmm.","start":798.7,"end":799.2,"sentiment":"neutral","sentiment_score":0.04283197969198227}],"sentiment":"neutral","sentiment_score":0.04283197969198227,"channel":0,"num_words":1,"start":798.7,"end":799.2},{"sentences":[{"text":"like, I guess, how do you guys choose, like, out of everything that you can choose from, how do...","start":799.08997,"end":805.64996,"sentiment":"neutral","sentiment_score":0.036388471134399115},{"text":"What makes you guys choose, like, in my situation, these ones, for example?","start":805.64996,"end":809.67,"sentiment":"neutral","sentiment_score":0.020407822269659776}],"sentiment":"neutral","sentiment_score":0.029896332533098757,"channel":1,"num_words":32,"start":799.08997,"end":809.67},{"sentences":[{"text":"Yeah.","start":809.245,"end":809.745,"sentiment":"neutral","sentiment_score":0.10607048869132996},{"text":"Yes.","start":810.125,"end":810.525,"sentiment":"neutral","sentiment_score":0.1620202362537384},{"text":"That's a really good question.","start":810.525,"end":811.645,"sentiment":"neutral","sentiment_score":0.3061722368001938},{"text":"So, essentially, we've got thousands of different ETFs and managed funds and investments that we can essentially invest in.","start":811.645,"end":817.64996,"sentiment":"neutral","sentiment_score":0.1862776153966},{"text":"So what we do is our investment committee as well as the advisers, we go back and we have a look at your risk profiling.","start":817.64996,"end":823.67,"sentiment":"neutral","sentiment_score":0.14082582741975785}],"sentiment":"neutral","sentiment_score":0.1737033781759879,"channel":0,"num_words":51,"start":809.245,"end":823.67},{"sentences":[{"text":"We have a look at how much time you have between now to when you're wanting to access your super, and we have a look at how the different investments have been invested.","start":823.73,"end":832.315,"sentiment":"neutral","sentiment_score":0.09824624194791823},{"text":"We look at what index they're tracking.","start":832.375,"end":834.535,"sentiment":"neutral","sentiment_score":0.07648564555815288},{"text":"We have a look at what they're invested in, how many investments they're in...","start":834.535,"end":839.015,"sentiment":"neutral","sentiment_score":0.05146010246660028},{"text":"Invested in, and, you know, what they're sort of doing.","start":839.015,"end":842.395,"sentiment":"neutral","sentiment_score":0.007501120492815971},{"text":"We have a look at the cost inside of that, and we build portfolios with different ETFs or different managed funds there to try and make sure that they're working harder for you to give you a diversified range of investments.","start":842.615,"end":857.2489,"sentiment":"neutral","sentiment_score":0.24225100547802159}],"sentiment":"neutral","sentiment_score":0.13814542254521733,"channel":0,"num_words":105,"start":823.73,"end":857.2489},{"sentences":[{"text":"So when we say diversified, we mean a wide range of different investments.","start":857.4689,"end":861.7289,"sentiment":"neutral","sentiment_score":0.15678741209782088}],"sentiment":"neutral","sentiment_score":0.15678741209782088,"channel":0,"num_words":13,"start":857.4689,"end":861.7289}]},"summary":{"result":"success","short":"Representatives from Oeu Financial, Dana, and an O realize discuss Sandeep's annual review documents and individual investments and performance. They emphasize the importance of removing specific investments from the report and offer advice on moving things along. The speaker emphasizes the benefits of reducing risk and suggests different investment options, including a lower cost option with a longer term return. The speaker recommends a portfolio building strategy and suggests diversifying investments to make it easier for the customer to access a broad range of investments."},"intents":{"segments":[{"text":"I had sent you through the DocuSign with your annual review docs attached, and I have sort of outlined a bit of an email there separately as well to kind of run you through the annual review information just in case you were extremely busy.","start_word":50,"end_word":94,"intents":[{"intent":"Review annual review documents","confidence_score":0.069702275}]},{"text":"So it's giving you an update there of your balance there. So as of the September 28, which is when these documents were prepared, the current balance showing 82,482 thousand $421.66 there within hub twenty four.","start_word":347,"end_word":382,"intents":[{"intent":"Update balance","confidence_score":0.12085137}]},{"text":"So on the first line there, you've got your individual investments there. When you go to the second last column, you'll have your internal rate of return. That is showing you how the individual investments have performed individually over the past twelve months. Okay?","start_word":649,"end_word":692,"intents":[{"intent":"Analyze investments","confidence_score":0.07192039}]},{"text":"take a step to remove that for you now. Okay?","start_word":973,"end_word":982,"intents":[{"intent":"Remove investment from portfolio","confidence_score":0.012134951}]},{"text":"If you look at the second last column of that same report, it basically correlates everything from the above page and correlates into how your total portfolio. So they pull all the investments together, all the income, all the growth, and everything is a correlate, and it shows that for the for the whole year, your total portfolio has made after fees 4.13. So it is much more of a lower rate of return, but it does show over all your up on last year.","start_word":1033,"end_word":1117,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.061502714}]},{"text":"Most things have, you know, gone through the ups and downs this year quite positively. It's just that one investment seems to be holding your portfolio back a little bit. So we do wanna look at removing that one out. Does that make sense? Okay.","start_word":1164,"end_word":1208,"intents":[{"intent":"Evaluate potential investment consequences","confidence_score":0.000038734546}]},{"text":"So what I sort of wanted to find out from you... And if you don't have a preference, it's absolutely fine. When we look at the different ways in order to invest in our super, we can have, investments that are actively managed like that then along Australian equities investment where the fund manager is supposed to be trying to outperform against the market. There's no guarantees they can do so.","start_word":1217,"end_word":1287,"intents":[{"intent":"Determine preference for investment method","confidence_score":0.005493215}]},{"text":"Is there a preference to see how you would like to see your portfolio developed, or do you have any further questions there?","start_word":1356,"end_word":1378,"intents":[{"intent":"Discuss portfolio development options","confidence_score":0.05434811}]},{"text":"So they're managed funds that you can buy on an exchange like the ASX, like the Australian stock market. Gotcha.","start_word":1638,"end_word":1657,"intents":[{"intent":"Discuss","confidence_score":0.00021113556}]},{"text":"I'll have a look at the options I've got.","start_word":1673,"end_word":1681,"intents":[{"intent":"Explore options","confidence_score":0.028990556}]},{"text":"There's definitely some things I'd love to be able to swap out for you. I'll have a look at the rest of your portfolio as well to see maybe if changing or switching things out in other areas might also help you provide, you know, greater long term growth as well.","start_word":1691,"end_word":1741,"intents":[{"intent":"Switch","confidence_score":0.007895658}]},{"text":"trying to sort of learn now. Please please feel free to ask me any questions. One of the things I really enjoy about my job is being able to educate because you're right.","start_word":1857,"end_word":1889,"intents":[{"intent":"Learn","confidence_score":0.077934355}]},{"text":"So those are essentially your ETFs, your exchange traded funds. These Right. ones here are diversified managed fund, essentially. They're not actively managed like the ones above are. It's just the sort of Right. way they are set up. So if you think about, as example, the physical gold, that one there is giving you access and exposure to actual physical gold bullion, and that is tracking how gold trades. If you Right.","start_word":2004,"end_word":2076,"intents":[{"intent":"Analyze investment strategies","confidence_score":0.029488385}]},{"text":"They're picking, you know, when the stock might be the right price to buy in at, and they're valuing all the investments individually.","start_word":2290,"end_word":2312,"intents":[{"intent":"Evaluate asset value","confidence_score":0.0095478175}]}]},"sentiments":{"segments":[{"text":"Hi, Sandeep. This is Dana from OKIE Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.14485350251197815},{"text":"Good, Dana.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.4695840775966644},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.3275517225265503},{"text":"I'm very well. Thank you. Thanks so much for returning my call. How's your day been?","start_word":18,"end_word":33,"sentiment":"positive","sentiment_score":0.5506853461265564},{"text":"Yeah. Busy. Sorry about before. I was just No. a bit flat out.","start_word":34,"end_word":46,"sentiment":"neutral","sentiment_score":-0.1577899307012558},{"text":"That's absolutely fine.","start_word":47,"end_word":49,"sentiment":"positive","sentiment_score":0.34432387351989746},{"text":"I had sent you through the DocuSign with your annual review docs attached, and I have sort of outlined a bit of an email there separately as well to kind of run you through the annual review information just in case you were extremely busy.","start_word":50,"end_word":94,"sentiment":"neutral","sentiment_score":0.1342688351869583},{"text":"But, honestly, I'm so glad that you called back. I did have a bit of a look at things prior to my original call, and there's definitely some advice I'd like to look at to sort of help you move things along a little bit as well.","start_word":95,"end_word":141,"sentiment":"positive","sentiment_score":0.4228563010692597},{"text":"So Yep. do you have time now to run through things with me and have a look at your annual review documents? Yeah. Absolutely. Cindy, do you happen to have your email open there at the moment as well? Yep. I can... Yep. I Yes, can see you've sent me something. Yep. ma'am. You're right. Not a problem. I can hear you've got Bobby in the background there. Is that right? Yeah. I'm looking after him for a bit. I I hope he doesn't interrupt Oh, too much. look. Honestly, please don't worry. I have children as well. So if he does need... If that's fussing you, just let me know, and I'll happily stop. It's not a problem at Thanks. all.","start_word":142,"end_word":263,"sentiment":"neutral","sentiment_score":0.05960150435566902},{"text":"Thanks so much.","start_word":264,"end_word":266,"sentiment":"positive","sentiment_score":0.4876638650894165},{"text":"That's okay. So on the first document, when you do see your email there, it'll just say summary of superannuation and insurances. If you could just let me know when you can see that one. What did you say it says? Summary of what? Summary of superannuation and insurances should be the first document in the in the order signed there. Sorry. I opened the wrong email. That's okay. Find Yeah. document. Okay. Yep. I can see it. Yeah.","start_word":267,"end_word":345,"sentiment":"neutral","sentiment_score":0.05237903194855663},{"text":"Beautiful.","start_word":346,"end_word":346,"sentiment":"positive","sentiment_score":0.6088022589683533},{"text":"So it's giving you an update there of your balance there. So as of the September 28, which is when these documents were prepared, the current balance showing 82,482 thousand $421.66 there within hub twenty four. Having a Yep. look back at your balance last year, your annual review, you had about 62,625. There has been an increase there. When you sort of look at how the performance has been with the individual investments, if you go forward to the next page, you'll see your performance report with the internal rate of return. Okay. Yep. Yeah. The first page there does outline all the individual investments, how they have performed, essentially. Majority of things have gone really well. This year has been very up and down with the markets with everything that has been going on globally. And with your portfolio, you have stayed and remained invested throughout those ups and downs. So looking at all the individual investments, most things have done quite well. Just noting the top investment there, the Bennelong Australian Equities. Now this investment has been down. That investment manager was originally placed in your super as more of an actively managed fund there. So the investment manager within the Bennelong Fund is supposed to be trying to pick and time the market outperform against the market. They haven't been able to do that this year. So it Can does I sort just of mean, butt in here for a sec? sure. That... Absolutely. So can you just tell me... Like, Yeah. talk to me in full on layman's terms. How do I Yeah. read this? So you know how you're saying it didn't it didn't Yeah. go well. Like, Yes. can you teach me how to just... Just quickly how to read that? Oh, of course.","start_word":347,"end_word":647,"sentiment":"neutral","sentiment_score":0.04382227039416367},{"text":"Absolutely.","start_word":648,"end_word":648,"sentiment":"positive","sentiment_score":0.4988532066345215},{"text":"So on the first line there, you've got your individual investments there. When you go to the second last column, you'll have your internal rate of return. That is showing you how the individual investments have performed individually over the past twelve months. Okay? Okay. So the so the initial investment was $9, $9.5, Yep. That was in and there it 12 performed... months ago with how much you had in there. Yeah. Okay. And it and then it performed at 17%. Is that right? That's a negative. So because of the brackets around it, it's showing as a negative figure. Yeah. So with that first one there, this time last year, you had $9,589.49 in there. In that Mhmm. time, money's been invested in. Well, you've invested $637 into that investment there. That shows the current market value. And then the next column, you've got the income that's being produced out of the investment. So think about dividends out of being paid. I The understand. following... Okay. So that's how much Yeah. we lost. So we came down to 8,300. Yeah. So the growth in the period shows a negative as well. So it means that the portfolio, the BANELON Australian Equities investment is down as a dollar figure by $18.85 and 25<unk>, and Okay. it's 17% drop on the investment for that individual investment there. So I understand. it does look... It looks bigger because it's a percentage, but, realistically, you've not lost a lot of money in there.","start_word":649,"end_word":901,"sentiment":"neutral","sentiment_score":-0.06218579411506653},{"text":"But I don't want that to compound and get any bigger. So because that investment isn't working the way we want it to, it Yep.","start_word":901,"end_word":926,"sentiment":"negative","sentiment_score":-0.4196669757366181},{"text":"had been performing really well for a certain period of time. Sorry. It's just that it's, no, you're Yeah. absolutely fine. It had been performing really well up until a certain period of time.","start_word":926,"end_word":960,"sentiment":"neutral","sentiment_score":-0.024705683812499046},{"text":"It's just that recently, it's not performing as well.","start_word":959,"end_word":967,"sentiment":"negative","sentiment_score":-0.4216804802417755},{"text":"So we wanna Shit. Okay. take a step to remove that for you now. Okay? Alright. Yep. Yeah. Yeah. To make it a bit easier, if you look at the second page of that document there... Yeah.","start_word":968,"end_word":1004,"sentiment":"neutral","sentiment_score":-0.013068661093711851},{"text":"Beautiful.","start_word":1005,"end_word":1005,"sentiment":"positive","sentiment_score":0.34083640575408936},{"text":"And Yep. you look Hold at on the one same... sec. That is fine. You alright? Shoes. We don't yell. Okay? Sorry. So... No. You're absolutely fine. If you look at the second last column of that same report, it basically correlates everything from the above page and correlates into how your total portfolio. So they pull all the investments together, all the income, all the growth, and everything is a correlate, and it shows that for the for the whole year, your total portfolio has made after fees 4.13. So it is much more of a lower rate of return, but it does show over all your up on last year.","start_word":1006,"end_word":1117,"sentiment":"neutral","sentiment_score":0.12018337100744247},{"text":"Your portfolio has still made money.","start_word":1118,"end_word":1123,"sentiment":"positive","sentiment_score":0.46622234582901},{"text":"You're still seeing a positive return, albeit it is very much lower, and it is sort of being held back mostly by that Bennelong investment there.","start_word":1124,"end_word":1149,"sentiment":"neutral","sentiment_score":0.1616218239068985},{"text":"Everything else, if you look at that first page, is up doing really well.","start_word":1150,"end_word":1163,"sentiment":"positive","sentiment_score":0.34120479226112366},{"text":"Most things have, you know, gone through the ups and downs this year quite positively. It's just that one investment seems to be holding your portfolio back a little bit. So we do wanna look at removing that one out. Does that make sense? Okay. Yes. It Yeah. does. Yep. Yeah. All good. So what I sort of wanted to find out from you... And if you don't have a preference, it's absolutely fine. When we look at the different ways in order to invest in our super, we can have, investments that are actively managed like that then along Australian equities investment where the fund manager is supposed to be trying to outperform against the market. There's no guarantees they can do so. They don't every year guaranteed. And you can pay a little bit more in investment fees to have those sorts of investments in your portfolio. Or we could look at maybe having more of a lower cost investment option and replace that something with more... Something more passive, which over the longer term could save you in fees and also perform much better depending on the market conditions. Is there a preference to see how you would like to see your portfolio developed, or do you have any further questions there? Well, the thing is because I don't know this stuff, like, really at all. Like, if if I were to just look Yeah. at it... So Yeah. if if we were to just put it in, like, see under the ones that are not managed, Yep. like, they seem to just be performing okay. Well, like, a few of them Yeah. do anyway. Absolutely. What would you recommend? Like, what would you do in this situation? Honestly, when I sort of look at the way most investments do perform, active managers can outperform against the market when they do really well. However, they don't do it every year. If you had a look at all the active managers on the market, you'll find that some years, some do really well. Other years, those same investment managers underperform very heavily. In order for an active manager to outperform against the market, it also needs to not drop as much as the market does. So, you know, they don't have to perform great to be able to beat the market. It's just about how how they do, but they don't always do it, and you tend to pay more money. Realistically, if you were to have a portfolio built on, you know, seven to 10 different ETFs, we could get sometimes better returns, maybe lower the cost of fees within your portfolio, and maybe get your super working a little bit harder for you. Would that be something you're more open to? Yeah. What does ATS mean? Exchange traded funds. So they're managed funds that you can buy on an exchange like the ASX, like the Australian stock market. Gotcha. Yeah. Yeah. Yeah. Yeah. I think that's Yeah. probably the way we go. Right? Yeah.","start_word":1164,"end_word":1671,"sentiment":"neutral","sentiment_score":0.06867583720820157},{"text":"Absolutely.","start_word":1672,"end_word":1672,"sentiment":"positive","sentiment_score":0.4408752620220184},{"text":"I'll have a look at the options I've got. I... I've had a bit of a look prime.","start_word":1673,"end_word":1690,"sentiment":"neutral","sentiment_score":0.2524721622467041},{"text":"There's definitely some things I'd love to be able to swap out for you. I'll have a look at the rest of your portfolio as well to see maybe if changing or switching things out in other areas might also help you provide, you know, greater long term growth as well.","start_word":1691,"end_word":1741,"sentiment":"positive","sentiment_score":0.3770689070224762},{"text":"So I can have a look at all those options and maybe do some switching, update your portfolio for you, and see what we can do to lower the cost of your portfolio, but also look at, you know, trying to get it working a bit harder for you. Does that sound okay, Sandeep? Yeah. Yeah. Just so you know, like, Yeah. everything that you're telling me, I'm still just sort of getting my head. Like, it's hard for me to That's sort of okay. understand because I've never really, I guess, for lack of a better word, cared. Like, I've just sort of Yeah. trusted it's doing its thing, you know? But I'm Absolutely. trying to sort of learn now. Please please feel free to ask me any questions.","start_word":1742,"end_word":1871,"sentiment":"neutral","sentiment_score":0.07673315703868866},{"text":"One of the things I really enjoy about my job is being able to educate because you're right.","start_word":1872,"end_word":1889,"sentiment":"positive","sentiment_score":0.5687322020530701},{"text":"Not a lot of people understand a lot of this. So please feel free to ask me any questions you have.","start_word":1890,"end_word":1910,"sentiment":"neutral","sentiment_score":0.1375308632850647},{"text":"I'll break it down as much as I can.","start_word":1911,"end_word":1919,"sentiment":"positive","sentiment_score":0.3503577709197998},{"text":"And if you're still not sure, let me know, and I'll, you know, make sure to help you understand it further. So, yeah, is Yeah. there anything Just, like, the question the wise gist at the of moment? it is... Sure. Yes. Sorry. The gist of No. it is the ones that are listed under Australian listed securities, they're not Mhmm.","start_word":1920,"end_word":1980,"sentiment":"neutral","sentiment_score":-0.011501606859144618},{"text":"managed.","start_word":1981,"end_word":1981,"sentiment":"negative","sentiment_score":-0.39010122418403625},{"text":"Right? They're just over a period... Is it over a period of twelve months? So sorry. So you... Okay. So listed securities. So those are essentially your ETFs, your exchange traded funds. These Right. ones here are diversified managed fund, essentially. They're not actively managed like the ones above are. It's just the sort of Right. way they are set up. So if you think about, as example, the physical gold, that one there is giving you access and exposure to actual physical gold bullion, and that is tracking how gold trades. If you Right. look at the very bottom one, the S and P 500, this here is tracking the top 500 companies on the American S and P 500 index. So the ETF itself is tracking a certain industries. It's essentially passively managed because it's not trying... You don't have active managers or you don't have investment managers or people trying to buy and sell and time the market. Essentially, that investment is tracking the S and P 500 index. So whenever there's a change in the index, this investment makes a change in line with that. The idea is you have what's called passive or active management. So passive management is when you're in an investment that just tracks a certain market, a certain condition, or just, you know, follows a certain industries, and it just goes up and down with the market. They make very little changes unless changes need to be made in the index or in the area of the market that they're tracking. Whereas an actively managed managed fund like Bannalong, you have the investment managers looking at everything on a much wider scale. They're looking at the investments. They're doing a lot more, you know, I think Warren Buffett style. They're buying in and trying to time the market. They're picking, you know, when the stock might be the right price to buy in at, and they're valuing all the investments individually.","start_word":1982,"end_word":2311,"sentiment":"neutral","sentiment_score":0.02237841862529008},{"text":"So the benefit to an ETF is that it is... Tends to be a lot cheaper to hold.","start_word":2312,"end_word":2329,"sentiment":"positive","sentiment_score":0.4972521960735321},{"text":"You tend to see a lot less changes.","start_word":2330,"end_word":2337,"sentiment":"neutral","sentiment_score":0.1409250795841217},{"text":"They can... Because they stay invested through the ups and downs, and they're not trying to time the market, they can get much better returns for your super over the longer term. And they're often a lot cheaper as well because you don't have someone trying to time the market, trying to value individual investments.","start_word":2338,"end_word":2392,"sentiment":"positive","sentiment_score":0.38474833965301514},{"text":"They're just watching what the index does or the investments that they're tracking on the market, what they do, and making changes as they need to. They make less changes over the course of the year than an active manager realistically does. Does that make sense? That makes Yeah. sense. So when you do invest this money into, like, one of these ETFs, Mhmm. like, I guess, how do you guys choose, like, out of everything that you can choose from, how do... What makes you guys choose, like, in my situation, these ones, for example? Yeah. Yes. That's a really good question. So, essentially, we've got thousands of different ETFs and managed funds and investments that we can essentially invest in. So what we do is our investment committee as well as the advisers, we go back and we have a look at your risk profiling. We have a look at how much time you have between now to when you're wanting to access your super, and we have a look at how the different investments have been invested. We look at what index they're tracking. We have a look at what they're invested in, how many investments they're in... Invested in, and, you know, what they're sort of doing. We have a look at the cost inside of that, and we build portfolios with different ETFs or different managed funds there to try and make sure that they're working harder for you to give you a diversified range of investments. So when we say diversified, we mean a wide range of different investments.","start_word":2393,"end_word":2657,"sentiment":"neutral","sentiment_score":0.1281331984783119}],"average":{"sentiment":"neutral","sentiment_score":0.07882683689195369}}}}