As an individual, i have both the options of earning PEPS for income and spending peps when I need to. As a masternode owner, I have not one or two but THREE major benefits
Firstly, I make coins in my wallet through staking
secondly, I can spend peps where I dont want to waste fiat in exchanges
thirdly, I can trade some with major coin pairs in exchanges  

with PEPS in CB, crex & other major exchanges soon, you should get a masternode before presale ends.