 In 10 years when you retire, you turn the income on if you need it, and the income goes on at 5.35. Let's say you decide to extend your job for another five years. Don't do anything. Let it continue to compound and grow. The more time you leave it in, the more money you're going to have in there. Simple as that. And remember, it's guaranteed at 6% a year. So here's a way to give yourself pension-like income with no risk, more upside than 6%, but at least it's growing at 6%.