The Facts · Pensions

Your retirement at risk

The Canada Pension Plan is one of the world's strongest retirement funds. Separation would put your share — and your security — into years of legal uncertainty.

$793BCanada Pension Plan fund1
22M+Canadians the CPP protects2
0Guarantees in an Alberta-only plan
Why the CPP matters

What you'd be giving up

1

A fund built to last generations

The CPP is independently managed, globally diversified, and certified sustainable for at least 75 years by Canada's Chief Actuary.6 It doesn't rise and fall with the price of oil.

2

Risk pooled across 22 million Canadians

A bigger pool means more stability. An Alberta-only plan would be far more exposed to a single-province economic downturn.

3

Years of legal battles over "your share"

There is no clean formula to split the CPP. Albertans' contributions could be tied up in court for years while retirees wait.

4

Higher costs, fewer protections

Standing up a new pension agency from scratch means new administration costs — paid by you — with none of the CPP's proven track record.

By the numbers

The CPP debate, by the numbers

Most Albertans want to stay in the CPP — and the province's claim on the fund is disputed.

Albertans who oppose leaving the CPP348%
Albertans who support an Alberta-only pension plan422%
Alberta government's claimed share of the CPP fund553%
Independent estimate of Alberta's actual share5~21%
The choice

Two very different retirements

Alberta-only pension

  • Your contributions tied up in court
  • Exposure to a single-province economy
  • New, unproven administration
  • No 75-year sustainability guarantee
  • Uncertainty for today's retirees

Stay in the CPP

  • A ~$793 billion fund behind you1
  • Risk pooled across 22M Canadians
  • Independently managed, globally diversified
  • Certified sustainable for generations
  • Your cheque arrives — guaranteed

Sources

  1. CPP Investments — net assets totalled $793.3 billion at fiscal year-end, March 31, 2026. CPP Investments.
  2. CPP Investments — the Fund invests on behalf of more than 22 million Canadians who contribute to or receive benefits from the CPP. CPP Investments.
  3. Angus Reid Institute (Nov–Dec 2023) — 48% of Albertans oppose leaving the CPP for a provincial plan; 36% support it. Angus Reid.
  4. Leger (Jan 2024) — 22% of Albertans said the province should switch to an Alberta pension plan, down from the year before. Leger.
  5. Alberta's 2023 report claimed ~53% (~$334B) of CPP assets; the federal Chief Actuary rejected that formula, and independent estimates put Alberta's share near 20–25%. CBC News.
  6. Office of the Chief Actuary — 32nd Actuarial Report on the CPP certifies the Plan sustainable for at least 75 years at the legislated contribution rate. OSFI / Chief Actuary.

This is a demonstration site. Figures are sourced where shown.

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