Should I take CPP when I retire at 60 or wait until I’m 65 or older?

One of the most common questions a near-retiree wrestles with is when to turn on the Canada Pension Plan. You can start as early as 60 or hold off as late as 70, and the longer you wait the larger the monthly cheque becomes, so the choice is rarely as simple as grabbing the money the moment you stop working. This piece walks through how the timing decision connects to the rest of your retirement picture rather than treating CPP in isolation. It looks at how delaying can sometimes open the door to other government benefits in the years before the pension begins, provided your savings and lifestyle still line up. It is a useful read for anyone retiring in their early sixties weighing a smaller cheque sooner against a bigger one later, in the context of their whole income plan.