Today, we’re breaking down something that affects pretty much every working Canadian: the Canada Pension Plan, or CPP.

The CPP fund just hit $780.7 billion as of December 2025. That’s your retirement money, managed by CPP Investments, and it’s been churning out an average return of 8.4% annually over the last decade.b

Here’s what we’re digging into:

Where your money’s invested, nearly half of it is in the U.S., with the rest spread globally across stocks, infrastructure, real estate, and more.

Cross-border stuff, if you’re living in the States, there are some pretty interesting tax perks worth knowing about.

The fund is projected to hit $3 trillion by 2050, and the Chief Actuary says it’s solid for at least the next 75 years.

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