I read articles such as this and realise it's time we blew up the CPPIB (which has become a bureaucratic boondoggle) and people's contributions should be self directed. In other words the contribution is calculated as it is today but the worker is able to put their money in their own investment portfolio (perhaps some restrictions so it's not gambled away). Upon retirement the drawing down may begin and, most importantly, upon death the balance of the funds will transfer to the survivor(s). It is, after all, your money.