Talk:Canada Pension Plan

One of the largest?
I think it's notable to mention the funds overall size as one of the largest. Recent press releases by the CPP claim it's "one of the largest single-purpose pools of investment capital in the world." I checked this and I couldn't find such funds of comparable size. Consider that the funds current value of $120bil is larger then the total of the first 5 funds found on the top 25 hedge funds by assets list? --trode (talk) 04:11, 19 November 2007 (UTC)

Layman's version
I propose that a simplified Layman's version either be integrated in this article or a "Simple English" article be created. I'm sure many people will want answers to: - How much CPP they have to pay while working. - The benefits of paying more CPP. - How much pension they'll get once they retire. The maximum average of the past 5 years? What does that mean? --Zybez (talk) 09:49, 6 April 2008 (UTC)

Losses due to changes on Income Trust taxation
This section is referenced by a single source on a blog which blatantly espouses a single point of view. I cannot find any reference to these losses from a neutral, authoritative source.--Langhorner (talk) 18:52, 20 February 2009 (UTC)

False information
"The CPP program mandates ALL employed Canadians who are 18 years of age and over to contribute a prescribed portion of their earnings income to a nationally administered pension plan." That is obviously false, since I'm a Canadian workers and we have the options whether to contribute to CPP or not. —Preceding unsigned comment added by 204.112.133.175 (talk) 04:05, 25 March 2010 (UTC)

I assure you, you don't have any such option. Unless your income is below the YBE (year's basic exemption), you will be contributing 4.5% of your earnings to the CPP, up to a maximum of course. — Preceding unsigned comment added by 70.29.74.128 (talk) 02:58, 14 August 2012 (UTC)

You can choose to make voluntary additional CPP contributions for tips and casual employment. https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-22200-deduction-cpp-qpp-contributions-on-self-employment-other-earnings/line-22200-making-additional-cpp-contributions.html Jiecut (talk) 18:34, 9 January 2021 (UTC)

Unfunded liability
This section seems to contain all sorts of original research. In particular, the $829 billion figure of asset shortfall for 2012 is for the "closed group approach" (as indicated). The report, however, clearly states that " if the Plan‟s financial sustainability is to be measured based on its asset excess or shortfall, it should be done so on an open group basis that reflects the partially funded nature of the Plan" (pg 48, paragraph preceding "Internal Rates of Return", 26th Actuarial Report). It appears that the text in this article reflects a POV and should be amended according to the actuarial report. Mind matrix  21:27, 20 January 2016 (UTC)