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Territory 08 · Pensions

Know every stream that will pay you later.

CPP and OAS, an employer pension, and anything held abroad — read for what each pays, when it starts, and how the pieces fit into the income you'll actually live on.

Age 65 — the default start for CPP — but deferring to 70 raises the lifetime payment by over 40%.

Lessons

  • CPP and OAS: what they pay and when to start — Core · 6 min read
  • Defined-benefit vs. defined-contribution pensions — Core · 5 min read
  • How a workplace pension fits the plan — Easy · 4 min read
  • Should you take CPP early, on time, or late? — Advanced · 5 min read

Reads

  • The case for deferring CPP — Featured · 5 min read
  • Reading a pension statement — Article · 4 min read
  • OAS and the clawback to watch — Article · 5 min read

Charts

  • Retirement income map — Every stream, when it starts
  • CPP start-age comparison — Explore the trade-off
  • Pension value — See how this reads for the sample household

Open Pensions in the app