**FAQs**

**1. What is the Canada Pension Plan (CPP)?**
The Canada Pension Plan (CPP) is a contributory, earnings-related social insurance program. It forms one of the two major components of Canada’s public retirement income system, the other component being Old Age Security (OAS).

**2. How does the CPP work?**
Every month, a portion of your pay is deducted and deposited into the CPP fund, along with a matching contribution from your employer. The funds are managed by CPP Investments to ensure growth and sustainability. When you retire, you will receive a monthly pension payment reflecting your contributions and investment returns.

**3. What is the significance of the CPP for younger Canadians?**
For younger Canadians, the CPP is crucial as people are living longer and may retire at a later age. The CPP provides a reliable source of retirement income that can support individuals for a longer period of time, allowing for flexibility in retirement planning.

**4. How has CPP Investments performed over the years?**
CPP Investments has seen significant growth over the years, with the CPP Fund now standing at over $646 billion. The organization has achieved an annualized return of nine percent over the past decade, making it one of the best-performing funds globally.

**Conclusion**

As highlighted by John Graham, President and CEO of CPP Investments, the Canada Pension Plan is a vital component of retirement planning for younger Canadians. With the potential for longer lifespans and changing retirement patterns, the CPP offers a secure and stable source of income in retirement. By understanding how the CPP works and the role it plays in financial security, individuals can better prepare for their retirement years. Take the opportunity to learn more about the CPP and ensure that your retirement savings are on the right track.