Q: I have two account-based pensions with AustralianSuper – mine and that of my wife, who died last July. I am withdrawing income from both accounts but come this July, I will have to make some decisions.

What are the best options for me considering I currently have $4 million in super and the new Division 296 law requires I only have $3 million. Both these pension accounts started with $1.6 million in July 2017. The increased balances represent investment growth. Narinder