Reasons to Take CPP at Age 60 (Pros, Risks & Smart Scenarios)
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Should you take your Canada Pension Plan (CPP) at 60—or wait for a bigger monthly benefit at 65 or 70?
Most Canadians have heard the advice: "Delay CPP for a higher payout." And while that's true on paper, the real answer is more nuanced. In this video, I’ll walk you through five compelling reasons why taking CPP at 60 might be the smarter, more strategic move—depending on your health, lifestyle, and financial goals.
Here’s what we’ll cover:
Why CPP at 60 can protect your investments from early depletion
How it can reduce your reliance on RRSPs and lower your tax bill
When it makes sense to start early—especially if you’ve already retired or need an income bridge
How early CPP supports lifestyle-driven retirement planning while you’re healthy and active
The key tradeoffs you MUST consider before locking in your decision
If you're approaching retirement and unsure when to start CPP, this video will give you a clear framework to evaluate your options—not just based on math, but based on your real life.
📞 Need personalized advice? Book a free consultation using the link above. Let’s make sure your CPP decision supports the retirement you actually want to live.
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