You guys have all missed the point. CPP is not a pension plan, but rather a welfare system masquerading as a pension plan. We all pay into the system, but the the payout decreases with your income, you wealth and you brain power and diligence. In other words, if you have high income, high wealth and work hard all you life, don't expect any payout from CPP. It is a welfare plan, pure and simple. If you didn't know that, you've got a problem. 

I certainly did not expect to draw one penny from my CPP, and probably I will not.