People pass away shortly after retiring and don't live long enough to even get the money back they put in , let alone the interest Net payers definition: A net payer is someone whose total contributions (employee + employer portions, ~11.9% of pensionable earnings) exceed benefits received (retirement, disability, or survivor payments) before death. Those dying before the "lifetime break-even age" are net payers. For CPP, this is typically 78–82 years old, per financial analyses (e.g., break-even calculations assuming average earnings, 2% inflation, and 4–5% investment returns on contributions). Anyone dying before ~80 likely paid more in than they got out, as contributions span 30–40 working years while benefits average 15–20 years for survivors.

CPP is one of the biggest scams in Canadian history.

Look, this isn’t just some “budget mislabeling”… it’s how the system is designed to keep Canadians in the dark. The CPP isn’t a government asset you can spend freely, it’s money that belongs to pensioners. Listing it as an “asset” in the budget makes it look like the government has more financial room than it actually does, which is misleading. This is exactly why Canadians pay attention to these numbers… every dollar the government borrows or spends on the assumption that CPP money is theirs ultimately affects our economy and our future pensions. All parties are guilty here… Liberals, Conservatives, and even past governments have all played this corrupt game. None of them have real accountability to Canadians. Until people understand that the CPP is a liability to the government, not a “free cash asset,” the system will keep benefiting bankers, bureaucrats, and elites… not the workers who fund it. It’s time we demand transparency and accountability for real Canadians, not just numbers on a page. Knowledge is power, it’s time we use it!

We should have the option at an individual level to opt out altogether. I’d prefer to manage my own investments.

100% I would also like to know if this liability is adequately accrued.

My father warned me over 20 years ago that I wouldn’t see a dime of it. Guess he was right.

Wise man, I hope you listened and prepared accordingly.

The real question is "Will Pierre even mention this?" because I still think they're all on the same team. Here's a litmus test for you Pierre.

I wonder if I can list my mortgage as an asset?

Is it a lie? Or would the government, the same government that debanked its own citizens, at least consider dipping into the CPP if things got really bad?

Should never have been in the control of government such that it was an asset OR liability, it should be run independently of government, like a Trust fund or something.

That is supposed to be what it is!

The CPP was built using contributions by workers and their employers, without once cent from the federal government, other than the administration. It's not theirs to use as collateral for the massive loans they're taking on to send even more money out of the country.

Even the administration is paid for by the taxpayer.

Pay your fines. Thats taxpayer S money. Will we get interest on it as well

They have been edging towards turning it from a contributor owned fund to a government hand out you need to beg for over the past decade. Liberal mismanaging of the economy has amounted to stealing most of it anyway though demand side induced inflation from over immigration.

so the govt can borrow more against that money

Ignoring the matching liability is a no-no. And if its underfunded...

I want my money back Canadians should demand that we get are money back all of it,and we can do are own investing I do not trust the government if they can list it as a asset how can it be independent then

Class action lawsuit against the Fed!