I would advice that you go for the first choice , cause starting a business would be easy with all the money accumulated for 3 years rather than monthly....but if you don't have a business plan already you go choose the 2nd option
I just recently got enrolled for a pension plan and while am still filling the form, the insurance company has given me two options. Depending on the amount to be deducted from my salary, my pension can come in two ways.
1. They would pay the whole money after I retire in 3 installments for a total 3 years
2. Pay me monthly like salary
Which should I choose