I have a pension plan term deposit returning $18.384 a year. of course ,  I have my accountant managing it at a cost of over $2000, a medicare levy of $259 , I am told that the minimum pension I have to take is $23.310 . Not considering the cost of the fund or the medicare levy , I am short of $5926 a year that I,  then ,  have to take at the end of my 3 year term deposit out of the amount that I have invested ,  to keep within the rules . Please explain !