Lets pretend you won the lottery and you had two options for payout.

Option A: You get $10,000 per day for 30 days.

Option B: You only get $1 the first day but the amount doubles each day for 30 days.

Which one would you choose?

Option A is an example of simple interest.  At the end of the month you would have $300,000

Option B is an example of compounding interest. Even though you only started with $1 at the end of 30 days you would have $536,870,912

When you are take control of your retirement accounts you can choose the investments that are giving you the highest return on investment instead of just accepting the choices of a fund manager of financial planner. You are in the drivers seat and in control of your future.