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Check with your local laws, which might state that you have to build a fence around your plunge pool. If you have children or pets or live in an area with abundant wildlife, you should consider building a fence around your pool for safety. Pools can present a drowning hazard, and while plunge pools are not very deep, younger children can get hurt if they try to dive into them. A fence can help protect your family and visitors from injury.

If you live in an area where pool enclosures are expected, like in Florida, having one won't necessarily increase your home value. However, it's worth noting that in warm climates, a pool can add $11,600 to $95,000 to a home's value. 

On the other hand, if you're in an area where pool enclosures are not common, having one might set your home apart from the crowd. Depending on the appraiser, you may see an additional $25,000 to $27,000 or more for an enclosed, inground pool when it comes time to sell.

A retaining wall can only function as a fence if it’s high enough on all sides to prevent someone from accidentally falling into the pool. However, most retaining walls retain dirt, which means their purpose is not related to safety. There would need to be nothing on the other side of the wall for it to be considered a fence, but in that case, it wouldn’t retain anything and would cease to be a retaining wall.  

The safest pool fence depends on what you’re trying to protect against. If you’re concerned about children and pets, a fence with gaps between or under the material isn’t advisable, as they could get through it. Mesh fences tend to reach the height requirements needed for pool fence safety, although they are not the most durable. Solid fence types, such as wood, concrete, or stone have the best chance of protecting the surface area around a pool, so long as they are high enough to discourage anything, or anyone, from climbing over them.