Growing your own produce requires patience but you get out more eventually. It's much like choosing to preserve your retirement benefit, which is more advantageous in the long run.

Reinvesting is like growing your own produce. Put the money back in a fund or retirement annuities and harvest the benefits of compound interest.

You can reinvest your retirement benefit into another fund such as a preservation fund, retirement annuity or your new employer's retirement fund - which is either a provident fund or pension fund.