I am 23 and now looking into what to do with some leftover monthly money. My question is whether getting a pension is worth it or not. Are pensions in general just scams? Am I just wasting money on a money manager? (because I am very disciplined and can save myself if there are better options). I live in South Africa so the 401 or whatever doesn't really affect my answers.
What should I be doing with some leftover money per month if getting a pension is not a good answer?