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 · Investing says that if you expect your investments to average more than 10.4% per year, you should take your CPP early. For growth investors, that is roughly the long-term return of the stock market. Jan 21, 2026 · To determine the optimal time to start your CPP retirement pension, it is recommended that you take into account the bigger picture and compare the various options available to you.
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