@calmmoneycoach: The Canada Pension Plan is one of the most successful public policy stories in Canadian history. And it never gets framed that way. In 1999 CPP Investments was handed $12 million dollars. Today it manages $780 billion. $543 billion of that came from investment returns. Most Canadians still think it’s broken. A Ponzi scheme. About to run out. None of that is true. The story most people don’t know: → Built in 1965 with the stated purpose of letting Canadians retire with dignity. → Almost died in the 1990s. The Chief Actuary projected the contribution rate would have to climb above 14 percent. → Saved by the 1997 reforms. Pearson’s original pay-as-you-go design was rebuilt as a partially funded model with an arm’s length investment manager. → Now sustainable for 75 years per the 32nd Actuarial Report tabled December 2025. → Mercer’s 2025 Pension Index ranks Canada above the US and Germany. The legitimate critique: younger workers get a lower real return than their parents did. Around 2 percent vs 3.6 percent for Boomers per Fraser Institute. That gap is real. But less generous isn’t the same as broken. Full breakdown in the community guide. #CanadaPensionPlan #CPP #PersonalFinanceCanada #RetirementCanada #CalmMoneyCoach

Brian | Calm Money Coach

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Tuesday 28 April 2026 19:26:58 GMT