Finding Lost Super and Combining Accounts
Super fund consultant (speaking English) and Fund member (speaking Kannada) talk through “Finding Lost Super and Combining Accounts”. You interpret both ways — English into Kannada, and Kannada into English — one segment at a time, exactly as in the CCL test.
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Full transcript with model answers
Under each segment: a model interpretation, the information points an examiner checks, and the easiest thing to miss. Try the segment yourself first, then open it. The model is one good way to say it; other wordings that keep every point score just as well.
Before we discuss combining accounts, could you tell me how many employers you have worked for and whether you still receive statements from their super funds?
Model answer and marking points
ಖಾತೆಗಳನ್ನು ಒಟ್ಟುಗೂಡಿಸುವ ಬಗ್ಗೆ ಚರ್ಚಿಸುವ ಮೊದಲು, ನೀವು ಎಷ್ಟು ಉದ್ಯೋಗದಾತರ ಬಳಿ ಕೆಲಸ ಮಾಡಿದ್ದೀರಿ ಮತ್ತು ಅವರ ಸೂಪರ್ ಫಂಡ್‌ಗಳಿಂದ ನಿಮಗೆ ಇನ್ನೂ ಸ್ಟೇಟ್‌ಮೆಂಟ್‌ಗಳು ಬರುತ್ತಿವೆಯೇ ಎಂದು ಹೇಳುತ್ತೀರಾ?
What an examiner checks here:
- Before discussing combining accounts
- question: how many employers you have worked for
- question: whether statements from their super funds still arrive
Easy to miss: Keep both questions: the number of employers and whether statements still arrive.
ಕಳೆದ ಏಳು ವರ್ಷಗಳಲ್ಲಿ ನಾಲ್ಕು ಕಡೆ ಕೆಲಸ ಮಾಡಿದ್ದೇನೆ. ಹ್ಯಾರಿಸ್ ಪಾರ್ಕ್‌ಗೆ ಮನೆ ಬದಲಾಯಿಸಿದ ಮೇಲೆ ಹಳೆಯ ಫಂಡ್‌ಗಳ ಪತ್ರಗಳು ಬರುತ್ತಿಲ್ಲ. ಎರಡು ಖಾತೆಗಳ ವಿವರ ಮಾತ್ರ ನನ್ನ ಹತ್ತಿರ ಇವೆ.
Model answer and marking points
I've worked for four employers over the past seven years. Since I moved to Harris Park, I haven't been receiving letters from my old funds. I only have the details of two accounts.
What an examiner checks here:
- Worked for four employers
- Over the past seven years
- Moved to Harris Park
- Letters from old funds no longer arriving since the move
- Has details of only two accounts
Easy to miss: Distinguish four employers from the two accounts whose details are available.
You can use ATO online services through myGov to look for super accounts, including lost super. Have you already linked the ATO to your myGov account?
Model answer and marking points
ಕಳೆದುಹೋದ ಸೂಪರ್ ಸೇರಿದಂತೆ ನಿಮ್ಮ ಸೂಪರ್ ಖಾತೆಗಳನ್ನು ಹುಡುಕಲು myGov ಮೂಲಕ ಏಟಿಒ ಆನ್‌ಲೈನ್ ಸೇವೆಗಳನ್ನು ಬಳಸಬಹುದು. ನೀವು ಈಗಾಗಲೇ ನಿಮ್ಮ myGov ಖಾತೆಗೆ ಏಟಿಒ ಲಿಂಕ್ ಮಾಡಿದ್ದೀರಾ?
What an examiner checks here:
- Use ATO online services
- Access through myGov
- Search for super accounts, including lost super
- question: whether ATO is already linked to myGov
Easy to miss: The question asks whether the ATO is already linked, not whether the person has a myGov account.
ಹೌದು, ತೆರಿಗೆ ರಿಟರ್ನ್ ಸಲ್ಲಿಸುವಾಗ ಏಟಿಒ ಲಿಂಕ್ ಮಾಡಿದ್ದೇನೆ. ಅಲ್ಲಿ ಮೂರು ಸೂಪರ್ ಖಾತೆಗಳು ಕಾಣಿಸಿದವು. ಹೆಚ್ಚು ಹಣ ಇರುವ ಖಾತೆಯಲ್ಲೇ ಎಲ್ಲವನ್ನೂ ಸೇರಿಸಿದರೆ ಒಳ್ಳೆಯದಾ?
Model answer and marking points
Yes, I linked the ATO when I lodged my tax return. Three super accounts showed up there. Would it be better to combine everything into the account with the most money in it?
What an examiner checks here:
- ATO already linked
- Linked when lodging a tax return
- Three super accounts appeared
- question: whether to combine everything into the account with the largest balance
Easy to miss: Keep the proposed choice of account as a question, not a decision already made.
A larger balance does not necessarily make an account the best choice. Compare fees, investment options and insurance before choosing which account you want to keep.
Model answer and marking points
ಹೆಚ್ಚು ಹಣ ಇದೆ ಎಂದ ಮಾತ್ರಕ್ಕೆ ಆ ಖಾತೆಯೇ ಅತ್ಯುತ್ತಮ ಆಯ್ಕೆ ಆಗುವುದಿಲ್ಲ. ಯಾವ ಖಾತೆಯನ್ನು ಉಳಿಸಿಕೊಳ್ಳಬೇಕು ಎಂದು ತೀರ್ಮಾನಿಸುವ ಮೊದಲು ಶುಲ್ಕಗಳು, ಹೂಡಿಕೆಯ ಆಯ್ಕೆಗಳು ಮತ್ತು ವಿಮೆಯನ್ನು ಹೋಲಿಸಿ ನೋಡಿ.
What an examiner checks here:
- Larger balance does not necessarily mean best account
- Compare fees
- Compare investment options
- Compare insurance
- Compare before choosing which account to keep
Easy to miss: Preserve the qualification that a larger balance does not necessarily make an account the best choice.
ನನ್ನ ಹಳೆಯ ಖಾತೆಯಲ್ಲಿ ಜೀವ ವಿಮೆ ಇದೆ ಅನಿಸುತ್ತೆ. ನನ್ನ ಹೆಂಡತಿ ಈಗ ಕೆಲಸ ಮಾಡುತ್ತಿಲ್ಲ, ಅವಳು ನನ್ನ ಆದಾಯವನ್ನೇ ನಂಬಿಕೊಂಡಿದ್ದಾಳೆ. ಹಣ ವರ್ಗಾಯಿಸಿದರೆ ಆ ವಿಮೆಯೂ ಹೊಸ ಖಾತೆಗೆ ಬರುತ್ತಾ?
Model answer and marking points
I think I have life insurance through my old account. My wife isn't working at the moment, and she depends on my income. If I transfer the money, will that insurance also move to the new account?
What an examiner checks here:
- Thinks old account includes life insurance
- Wife is not currently working
- Wife depends on speaker's income
- question: whether insurance moves to the new account if the money is transferred
Easy to miss: The life insurance is believed to exist, not confirmed.
Insurance usually does not transfer when you combine super accounts. Before closing your old account, check what cover would end and whether replacement cover is available.
Model answer and marking points
ಸೂಪರ್ ಖಾತೆಗಳನ್ನು ಒಟ್ಟುಗೂಡಿಸಿದಾಗ ವಿಮೆ ಸಾಮಾನ್ಯವಾಗಿ ವರ್ಗಾವಣೆಯಾಗುವುದಿಲ್ಲ. ನಿಮ್ಮ ಹಳೆಯ ಖಾತೆಯನ್ನು ಮುಚ್ಚುವ ಮೊದಲು, ಯಾವ ವಿಮಾ ರಕ್ಷಣೆ ಕೊನೆಗೊಳ್ಳುತ್ತದೆ ಮತ್ತು ಅದರ ಬದಲಿಗೆ ಬೇರೆ ವಿಮಾ ರಕ್ಷಣೆ ಸಿಗುತ್ತದೆಯೇ ಎಂದು ಪರಿಶೀಲಿಸಿ.
What an examiner checks here:
- Insurance usually does not transfer when super accounts are combined
- Check before closing the old account
- Check which insurance cover would end
- Check whether replacement cover is available
Easy to miss: Say insurance usually does not transfer; do not turn this into an absolute rule.
ಹಾಗಾದರೆ ವಿಮೆ ಬಗ್ಗೆ ಖಚಿತವಾಗುವವರೆಗೂ ಹಳೆಯ ಖಾತೆ ಮುಚ್ಚುವುದಿಲ್ಲ. ಈಗಿನ ಕಂಪನಿಯವರು ಹೊಸ ಖಾತೆಗೆ ಹಣ ಹಾಕುತ್ತಿದ್ದಾರೆ. ಬೇರೆ ಖಾತೆ ಉಳಿಸಿಕೊಳ್ಳಲು ತೀರ್ಮಾನಿಸಿದರೆ ಅವರಿಗೆ ನಾನೇ ಹೇಳಬೇಕಾ?
Model answer and marking points
In that case, I won't close the old account until I'm sure about the insurance. My current employer is paying into the new account. If I decide to keep a different account, do I need to tell them myself?
What an examiner checks here:
- Will not close old account until sure about insurance
- Current employer contributes to the new account
- May decide to keep a different account
- question: whether speaker must personally notify employer
Easy to miss: Do not reverse the condition: the old account stays open until the insurance position is clear.
Tell your employer which fund you want future contributions paid into. Combining existing balances does not automatically update payroll, so ask them to confirm your details.
Model answer and marking points
ಮುಂದಿನ ಕೊಡುಗೆಗಳನ್ನು ಯಾವ ಫಂಡ್‌ಗೆ ಜಮಾ ಮಾಡಬೇಕು ಎಂದು ನಿಮ್ಮ ಉದ್ಯೋಗದಾತರಿಗೆ ತಿಳಿಸಿ. ಈಗಿರುವ ಖಾತೆಗಳಲ್ಲಿನ ಹಣವನ್ನು ಒಟ್ಟುಗೂಡಿಸಿದರೆ ಸಂಬಳ ವಿಭಾಗದಲ್ಲಿರುವ ವಿವರಗಳು ತಾವಾಗಿಯೇ ಬದಲಾಗುವುದಿಲ್ಲ. ಆದ್ದರಿಂದ ನಿಮ್ಮ ವಿವರಗಳನ್ನು ದೃಢಪಡಿಸುವಂತೆ ಅವರಿಗೆ ಹೇಳಿ.
What an examiner checks here:
- Tell employer which fund should receive future contributions
- Combining existing balances does not automatically update payroll
- Ask employer to confirm the details
Easy to miss: Distinguish transferring existing balances from directing future employer contributions.
ಸರಿ, ನಮ್ಮ ಕಂಪನಿಯಲ್ಲಿ ಸಂಬಳ ನೋಡಿಕೊಳ್ಳುವವರಿಗೆ ತಿಳಿಸುತ್ತೇನೆ. ಮೊದಲು ಖಾತೆಗಳ ಶುಲ್ಕ ಮತ್ತು ವಿಮೆ ಹೋಲಿಸಬೇಕು. ಹಳೆಯ ಸ್ಟೇಟ್‌ಮೆಂಟ್‌ಗಳನ್ನು ತಂದುಕೊಟ್ಟರೆ, ಯಾವ ವಿವರಗಳನ್ನು ನೋಡಬೇಕು ಅಂತ ನೀವು ತಿಳಿಸಿಕೊಡುತ್ತೀರಾ?
Model answer and marking points
All right, I'll let the person who handles payroll at my company know. First, I need to compare the account fees and insurance. If I bring in my old statements, could you explain which details I should look at?
What an examiner checks here:
- Will notify the company's payroll person
- Needs to compare account fees first
- Needs to compare insurance first
- question: whether adviser can explain which details to examine if old statements are brought
Easy to miss: The request is for help identifying details to examine, not for the adviser to choose an account.
Yes, bring your statements and insurance details to our next appointment. We can explain the differences and discuss how to request transfers through myGov.
Model answer and marking points
ಹೌದು, ನಮ್ಮ ಮುಂದಿನ ಭೇಟಿಗೆ ನಿಮ್ಮ ಸ್ಟೇಟ್‌ಮೆಂಟ್‌ಗಳು ಮತ್ತು ವಿಮೆಯ ವಿವರಗಳನ್ನು ತೆಗೆದುಕೊಂಡು ಬನ್ನಿ. ನಾವು ವ್ಯತ್ಯಾಸಗಳನ್ನು ವಿವರಿಸಿ, myGov ಮೂಲಕ ವರ್ಗಾವಣೆಗಾಗಿ ಹೇಗೆ ವಿನಂತಿ ಸಲ್ಲಿಸಬೇಕು ಎಂಬುದರ ಬಗ್ಗೆ ಚರ್ಚಿಸಬಹುದು.
What an examiner checks here:
- Bring statements to the next appointment
- Bring insurance details
- Can explain the differences
- Can discuss how to request transfers through myGov
Easy to miss: The adviser offers to discuss how to request transfers, not to carry them out.
ಸರಿ, ಶುಕ್ರವಾರ ನನಗೆ ಕೆಲಸಕ್ಕೆ ರಜೆ ಇದೆ. ಅಂದು ಭೇಟಿಗೆ ಸಮಯ ಬುಕ್ ಮಾಡುತ್ತೇನೆ. ಅಷ್ಟರೊಳಗೆ ಸ್ಟೇಟ್‌ಮೆಂಟ್‌ಗಳು ಮತ್ತು ವಿಮೆ ವಿವರಗಳನ್ನು ಹುಡುಕಿ ಇಟ್ಟುಕೊಳ್ಳುತ್ತೇನೆ. ಎಲ್ಲವೂ ಅರ್ಥವಾದ ಮೇಲೆಯೇ ವರ್ಗಾವಣೆ ಮಾಡುತ್ತೇನೆ.
Model answer and marking points
All right, I have Friday off work. I'll book an appointment for that day. In the meantime, I'll find my statements and insurance details and have them ready. I'll only make the transfer once I understand everything.
What an examiner checks here:
- Has Friday off work
- Will book an appointment for Friday
- Will find and prepare statements before then
- Will find and prepare insurance details before then
- Will transfer only after understanding everything
Easy to miss: The Friday appointment is still to be booked, and the transfer will happen only after everything is understood.
Terms in this dialogue that cost marks
CCL is marked on information transferred. These Australian terms have no direct word in most test languages — get one wrong and the segment's information is gone.
- Superಪರೀಕ್ಷೆಯಲ್ಲಿ 'super' ಎಂಬ ಇಂಗ್ಲಿಷ್ ಪದವನ್ನೇ ಹಾಗೆ ಬಳಸಿ; ಅಗತ್ಯವಿದ್ದರೆ 'ನಿವೃತ್ತಿ ನಿಧಿ' ಎಂದು ಸಂಕ್ಷಿಪ್ತವಾಗಿ ವಿವರಿಸಬಹುದು.
- myGov'myGov' ಎಂದು ಇಂಗ್ಲಿಷ್ ಹೆಸರನ್ನೇ ಹೇಳಬೇಕು, ಇದು ನಿರ್ದಿಷ್ಟ ವೆಬ್‌ಸೈಟ್/ಸೇವೆಯ ಹೆಸರು.
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