Finding and Combining Lost Super
Super fund consultant (speaking English) and Fund member (speaking Pashto) talk through “Finding and Combining Lost Super”. You interpret both ways — English into Pashto, and Pashto into English — one segment at a time, exactly as in the CCL test.
Practise this dialogue with AI marking →Read it first if you like, then practise it cold: the recording plays one segment, you interpret, the next segment plays. Marking shows, segment by segment, what you kept, left out or changed.
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.
Mr Afridi, before we look for your missing super, can you tell me about your previous jobs and which accounts you still receive statements for?
Model answer and marking points
ښاغلی اپریدی، مخکې له دې چې ستاسو ورک شوی سوپر ولټوو، راته ویلای شئ چې پخوا مو کوم کارونه کړي دي او د کومو حسابونو صورتحسابونه لا هم درته راځي؟
What an examiner checks here:
- Addressed to Mr Afridi
- Before searching for missing super
- question: previous jobs
- question: which accounts still send statements
Easy to miss: Keep both questions: previous jobs and accounts still sending statements.
ما په تېرو څو کلونو کې درې ځله کار بدل کړی دی. اوس په بېنکسټاون کې په یوه ګودام کې کار کوم، خو یوازې د اوسني سوپر حساب پاڼې راته راځي.
Model answer and marking points
I've changed jobs three times over the past few years. I now work in a warehouse in Bankstown, but I only receive statements for my current super account.
What an examiner checks here:
- Changed jobs three times
- Over the past few years
- Currently works in a warehouse
- Warehouse is in Bankstown
- Only receives current super account statements
Easy to miss: Three refers to job changes, and statements arrive only for the current account.
You can search for lost super through ATO online services linked to myGov. Have you already set up a myGov account for other government services?
Model answer and marking points
تاسو کولی شئ خپل ورک شوی سوپر د اې ټي او د هغو انلاین خدمتونو له لارې ولټوئ چې له مای ګَو سره تړلي وي. ایا د نورو دولتي خدمتونو لپاره مو مخکې د مای ګَو حساب جوړ کړی دی؟
What an examiner checks here:
- Can search for lost super
- Through ATO online services
- ATO services linked to myGov
- question: already created a myGov account for other government services
Easy to miss: The ATO online services must be linked to myGov.
هو، د مای ګَو حساب لرم، خو اې ټي او ورسره نه دی تړلی. د پخوانیو سوپر فنډونو نومونه مې هېر شوي دي؛ بیا هم حسابونه پیدا کولی شم؟
Model answer and marking points
Yes, I have a myGov account, but the ATO isn't linked to it. I've forgotten the names of my previous super funds. Can I still find the accounts?
What an examiner checks here:
- Has a myGov account
- ATO is not linked
- Forgotten previous super fund names
- question: can still find the accounts
Easy to miss: Having a myGov account does not mean the ATO is already linked.
You can start there even without remembering fund names. Once you find the accounts, compare their fees, investment options and insurance before deciding which to keep.
Model answer and marking points
که د فنډونو نومونه مو په یاد هم نه وي، له هماغه ځایه پیل کولی شئ. کله چې حسابونه پیدا کړئ، مخکې له دې چې پرېکړه وکړئ کوم حساب وساتئ، د هغوی فیسونه، د پانګونې انتخابونه او بیمه سره پرتله کړئ.
What an examiner checks here:
- Can start there without remembering fund names
- Find the accounts first
- Compare fees
- Compare investment options
- Compare insurance
- Compare before deciding which account to keep
Easy to miss: Compare all three features before deciding which account to keep.
زه غواړم ټولې پیسې یوه حساب ته راټولې کړم چې فیسونه کم شي. خو په زاړه حساب کې مې ښايي د ژوند بیمه وي؛ هغه به له منځه لاړه شي؟
Model answer and marking points
I want to combine all the money into one account to reduce fees. But I might have life insurance in my old account. Will I lose that?
What an examiner checks here:
- Wants all money combined into one account
- Purpose is to reduce fees
- Old account might include life insurance
- question: will that insurance be lost
Easy to miss: The life insurance is only a possibility, not a confirmed benefit.
Closing an old account could end its insurance. Check the cover with that fund before transferring, especially if you would need replacement cover for your family.
Model answer and marking points
د زاړه حساب تړل ښايي د هغه بیمه هم بنده کړي. مخکې له دې چې پیسې ولېږدوئ، له هماغه فنډ سره د بیمې پوښښ وګورئ، په ځانګړي ډول که د خپلې کورنۍ لپاره د هغې پر ځای بلې بیمې ته اړتیا لرئ.
What an examiner checks here:
- Closing old account could end its insurance
- Check insurance cover with that fund
- Check before transferring money
- Especially if replacement cover is needed for family
Easy to miss: Insurance could end when the account closes; this is not stated as certain.
زه واده شوی یم او دوه زامن لرم. نه غواړم چې بیمه مې بنده شي. نو تر هغو به پیسې نه لېږدوم چې د بیمې په اړه ډاډه شوی نه یم.
Model answer and marking points
I'm married and have two sons. I don't want my insurance to stop, so I won't transfer the money until I'm sure about the insurance.
What an examiner checks here:
- Married
- Has two sons
- Does not want insurance to stop
- Will not transfer money until sure about insurance
Easy to miss: Preserve the refusal to transfer until the insurance is clarified.
That sounds sensible. After choosing an account and checking insurance, you can request consolidation through myGov. Also give your employer the details of your chosen fund.
Model answer and marking points
دا معقوله خبره ده. کله چې حساب وټاکئ او بیمه وګورئ، د مای ګَو له لارې د حسابونو د یوځای کولو غوښتنه کولی شئ. خپل کار ورکوونکي ته هم د ټاکلي فنډ معلومات ورکړئ.
What an examiner checks here:
- Agrees that the approach is sensible
- Choose an account
- Check insurance
- Then request consolidation through myGov
- Give employer chosen fund details
Easy to miss: Request consolidation only after choosing an account and checking insurance.
سمه ده، لومړی به بیمه وګورم، بیا به حساب وټاکم او کار ورکوونکي ته به یې معلومات ورکړم. کله چې پیسې ولېږدوم، څنګه پوه شم چې رسېدلې دي؟
Model answer and marking points
All right, I'll check the insurance first, then choose an account and give its details to my employer. Once I transfer the money, how will I know it has arrived?
What an examiner checks here:
- Will check insurance first
- Will then choose an account
- Will give employer its details
- question: how to know money has arrived after transfer
Easy to miss: Keep the stated order and retain the final question about confirming arrival.
Keep the transfer confirmation, then check your chosen account to make sure the money has arrived. Contact the fund if you cannot confirm the transfer.
Model answer and marking points
د پیسو د لېږد تایید وساتئ، بیا خپل ټاکلی حساب وګورئ چې ډاډ ترلاسه کړئ پیسې وررسېدلې دي. که د پیسو لېږد نه شئ تاییدولی، له فنډ سره اړیکه ونیسئ.
What an examiner checks here:
- Keep transfer confirmation
- Then check chosen account
- Make sure money has arrived
- Contact fund if transfer cannot be confirmed
Easy to miss: Contact the fund if the transfer cannot be confirmed, even without proof that it failed.
ښه، د لېږد تایید به وساتم او خپل حساب به وګورم. که پیسې پکې نه وې، له فنډ سره به اړیکه ونیسم. اوس راته معلومه شوه چې له کومه یې پیل کړم.
Model answer and marking points
Okay, I'll keep the transfer confirmation and check my account. If the money isn't there, I'll contact the fund. Now I know where to start.
What an examiner checks here:
- Will keep transfer confirmation
- Will check own account
- Will contact fund if money is not there
- Now knows where to start
Easy to miss: The condition here is that the money is not in the account.
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.
- Superدا اصطلاح لکه «superannuation» یا لنډه بڼه «super» په انګلیسي کارول کیدی شي، او که اړتیا وي، تشریح کړئ: «د تقاعد صندوق چې کارګران او کارکوونکي پکې پیسې ورکوي».
- myGovنوم "myGov" په انګلیسي ډول وساتئ.
Practise it
Reading a transcript is not interpreting. The practice room on this site plays each segment at native speed, records you, and marks the information you transferred against the same categories examiners use — omissions, distortions, insertions — so you know where the marks went. Your first full dialogue is marked free.
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How the test works
Continue with the NAATI CCL Pashto practice test and mock tests.
Practice dialogue written to the CCL specification (two speakers, segments of 35 words or fewer, about 300 words). It is a practice text, not a NAATI test paper, and the AI score is this site's estimate, not a NAATI result. All Pashto dialogues · All languages