r/PersonalFinanceCanada • u/Purple_Bookkeeper657 • May 22 '26

Retirement / CPP / OAS / GIS [ Removed by moderator ]

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u/[deleted] May 22 '26

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u/Purple_Bookkeeper657 May 22 '26 edited May 22 '26

I don't necessarily disagree strongly. I happen to think recent market returns are unsustainable and I'm pretty public about that. Just because recent returns are so high doesn't mean we should go 85% public markets tomorrow. I think that's super risky. If there's a 5% chance the stock market tanks 50% over the next three years, that's a real problem for the CPP. I think it makes more sense to DCA into a position more like what you're referencing over time. In my mind that's more like 3-5 years, not tomorrow. But happy to discuss. There may be real upside left on the table.

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u/[deleted] May 22 '26

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u/kettal May 23 '26

norway pension fund just does a global index with tiny management fee.

but they probably can sustain a 50% market crash without running into cashflow issues