Pensions vs Property: What’s the Smarter Move?

Have you thought about your pension lately? If you’re a freelancer, I bet it’s slipped down your priority list—right below invoicing, finding clients, and keeping your sanity. But ignoring your pension is a surefire way to short-change your future self.

Let’s break it down:

Regular Job vs. Freelancing

In a traditional job, pensions are handed to you on a silver platter. Your employer contributes, you contribute, and before you know it, you’ve got a tidy sum waiting for you at 65. Easy, right? But there’s a catch.

Do you know how many years you need to work a regular job to scrape together a half-decent pension? Let’s say you’re earning an average salary. You’d have to work around 30-40 years to build up a pot that gives you a reasonable income in retirement. And if you die early? That money often disappears into the ether. No one else benefits.

The Freelance Reality

As a freelancer, there’s no employer topping up your pension. It’s all on you. And if you’ve done nothing about it, well… you’re essentially saying, “Future me? Nah, I’ll just let you struggle.”

Many freelancers opt for a private pension, which is a good start. But again, you’re working years (decades, even) to build a pot that might not even see you through retirement. Worse, if you pass away early, your family might get little to nothing.

The Alternative: Property Investment

Now, let’s compare this to investing in property.

• Your money, your rules: Unlike a pension, property is yours to keep. No one’s going to take it away if you pop your clogs early.
• A legacy for your family: That house? Your kids can inherit it. A pension? Not so much.
• Better returns: Rental income can provide steady cash flow, and property value generally increases over time. With the right investment, you can live off the returns and still have an asset left over for future generations.

Think about it: would you rather spend 30+ years building a pension that might see you through retirement, or invest strategically in property and create something that lasts for generations?

Take Control of Your Future

It’s time to stop winging it and start planning

Quit your job and start your freelance business in just 1 month.

I designed the Amagi Freelance Business Course to give you a clear path to becoming your own boss in just 30 days—without the confusion or wasted time.

Here’s what you’ll gain:

• Set up your business the right way: Learn the legal, financial, and tax essentials from day one.
• Price your services confidently: No more undercharging or feeling undervalued.
• Attract clients fast: Proven marketing strategies to bring in paying clients quickly.
• Handle difficult situations: From ensuring you get paid on time to managing tricky clients like a pro.
• Build multiple income streams: So you’re never dependent on one source of income.
• Done-for-you templates: Contracts, pricing guides, and marketing materials—all ready to go.

I created this course because I know what it’s like to feel stuck, afraid of failure, and unsure where to start. After years of working in corporate jobs, I finally had enough and made the leap. Now I’m living life on my terms, and I want to help you do the same.

Cheers, Dom