My friend asked me one day,
“Why did you take a Pension plan? Instead, you could have purchased a property and earned rental income. The property would have also appreciated over the years.”

For a moment, I was moved back and started thinking,
“Was that the right decision? Did I miss a better opportunity?”

But then I slowly started reflecting on the other side of owning rental properties.
Looking for tenants, worrying about vacant periods, plumbing issues, water problems, maintenance expenses, property taxes, unexpected repairs, and continuous follow-ups.
I realised that along with returns, many times properties also bring stress and responsibilities.

Every phone call from a tenant can disturb your peace of mind.
Sometimes, even after earning rent, your mind may never truly feel relaxed.

That is when I realised why I had chosen a Pension plan.
The comfort of knowing that a fixed income will come regularly without worrying about tenants or maintenance gave me a different kind of happiness.
A sense of stability.
A sense of contentment.
A sense of peace.

Yes, property can create wealth.
But not every investment is only about higher returns.
At one stage of life, mental peace becomes more valuable than maximum profit.

Today, I feel satisfied with my decision because I understood one important thing:
Money is important in life, but peace of mind is priceless.
Ultimately, mental peace is what truly matters, isn’t it?