Should I start my CPP early? – Real-Life Examples (Updated)
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Should I start my CPP early? – Real-Life Examples (Updated)
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The most common CPP question I am asked is: “Is it smart to take my CPP early?”
The answer to this question is different for investors than non-investors, especially growth-focused investors like most of our clients.
In my latest podcast episode you’ll learn:
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Why should you ignore “CPP breakeven” calculations?
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Why are life expectancy stats understated?
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What is the best way to estimate your life expectancy?
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What happens if you are still working?
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How does your tax bracket each year affect your CPP?
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How does your CPP fit into your overall retirement income?
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Who should take CPP early and contribute it to RRSP?
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How does CPP affect the estate you leave for your kids?
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Who should delay their CPP to age 65? Real life examples.
This is an updated post based on 2025 CPP amounts and expectations, and my latest insights.