Does it make sense for me to delay my CPP and OAS till age 70?
Does it make sense for me to delay my CPP and OAS till age 70?
3 months ago
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FP Answers: Is there any advantage to continuing CPP contributions after age 60?
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FP Answers: I'm turning 65, so is taking CPP a good option if I plan to keep working?
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Can I work past age 70 while collecting CPP and OAS?
Can I work past age 70 while collecting CPP and OAS?
Mar 28, 2025
financialpost.com
By postponing CPP up to age 70, your monthly benefit increases by 0.7% per month (up to 42% more), and delaying OAS adds 0.6% per month (up to 36% more). That means bigger guaranteed income for life. When combined with carefully timed RRSP or RRIF withdrawals before and after age 71, you can control your net income level to: - Avoid OAS clawbacks triggered when net income exceeds ~$95K - Minimize taxable income spikes that push you into higher tax brackets - Create a smoother, more predictable a
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