CPP’s Q1 2026 return was just 1%, far below the S&P 500’s 11%, while executives earn millions in bonuses. Canadians pay $8,000/year for a max $1,400/month payout, yet CPP faces $1.1 trillion in unfunded liabilities. The system underperforms, destroys wealth, and acts like a Ponzi scheme. Individuals must take control of their retirement, investing independently rather than relying on a broken pension plan.
Canada
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