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A Year in
Review
(And why it matters to you and your retirement)

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At CPP Investments, we invest and help grow the Canada Pension Plan Fund so money will be there for you when you retire.
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So… how is the Fund performing?
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What’s behind our success?
Rather than focus on the short term, long–term growth and stability is the name of the game.
We don’t plan just for tomorrow, but the tomorrows to come.
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It’s this gradual, steady growth that helps us navigate periods of economic uncertainty — like that we’ve seen in the past few years — and stay on course to help the CPP provide a secure base for retirement for contributors and beneficiaries now and for generations to come.
For instance, despite major declines in many financial markets in the past fiscal year, our portfolio stayed strong, delivering stable returns while outperforming major indexes.
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How does it all work?
The money you contribute to CPP is used to provide benefits to retired Canadians today. Money that is not needed to pay out benefits is invested by CPP Investments to maximize returns as safely and securely as possible to grow the Fund for future generations. Instead of just letting it sit there, our skilled global investors take this large pool of money and put it to work.
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As part of our focus on generating long-term returns, we’ve made a commitment that our entire investment portfolio and operations will achieve net-zero greenhouse gas emissions by 2050.
In fact, our own operations are already carbon neutral. More details on our commitment can be found here.
Here for your future
Whether you’re retiring this year or in the decades to come, you can feel secure knowing the CPP will provide a foundation for your retirement.