How Delaying CPP/QPP Can Benefit You TODAY— Not Just Later In Life

Thinking about delaying your CPP or QPP? Most Canadians assume waiting only helps in their 80s, but delaying your pension can actually benefit you today. Learn how a simple delay can increase your guaranteed income, protect against longevity risk, and give you more financial flexibility right now.
You don't need to sacrifice today for tomorrow, just like you don't need to sacrifice tomorrow for today.

👉 Full "Making Better CPP/QPP Take Decisions" Playlist:    • Making Better CPP/QPP Claiming Decisions  
👉 Learn more on why secure pension Income is crucial for your retirement:    • 80%+ of Canadians Fear Running Out of Mone...  

National Institute on Ageing Report: https://www.niageing.ca/cpp-qpp
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Top 4 Reasons For Canadians To Take CPP/QPP At 60:    • Top 4 Reasons For Canadians To Take CPP/QP...  
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0:00 – Intro: Why delaying CPP/QPP matters
0:42 – One-Year Delay: Big impact from a single year
1:38 – Fear Factor: Why people claim early
2:32 – What If I Don’t?: Risks of claiming too soon
3:14 – Illusion of Wealth: Lump sum vs steady income
3:47 – Lifetime Loss: How early claiming can cost $100k+
5:22 – Spend More Today: Short-term benefits of delaying
6:04 – Personal Pension: CPP as guaranteed income
6:48 – Income Security: Boost safe, predictable income
7:29 – Protection: Guard against longevity & market risk
8:01 – Reframe Decision: Seeing benefits through a short-term lens
8:23 – Conclusion
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