Web Reference: There are many factors you should consider when deciding when to start receiving your CPP retirement pension. Make your choice based on your health, financial situation, and your plans for retirement. Jul 17, 2025 · Summary: Contributing CPP to your RRSP can make it worthwhile taking CPP early for growth equity investors, but not more conservative investors. Specific spending plans in your retirement plan mean there might be exceptions where starting CPP earlier makes sense. Jan 29, 2026 · Although CPP payments are designed to begin when you hit 65, you can take them as early as 60 or as late as 70. If you start early, your payout decreases by 0.6% for every month before your 65th birthday you start collecting.
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