I have access to my Canada Pension account. According to my math, if I retire at 65 and live to the average age of 78, I will take out a lot more money than I (and my employers) have put in. Politically speaking, the Plan has been good for the Baby Boom generation.

I realize that my math is not as elaborate as the actuaries, but I still think there is a big shortfall.

These days, the Canada Pension Plan, is on my behalf, investing in the Chinese stock market. Because it has been getting an average return of 7% as opposed to the North American stock market of 3%. That's how the government will make up the shortfall. Except one day, the Chinese government is going to find a way to make sure that investment does not find its way back to Canada.

Ponzi scheme, I say.