Topic: CPP 如果持续按最高金额缴纳了二十年，临退休时的5年因为低收入只缴纳最高金额的20%，这样会如何影响退休后CPP拿的金额呢？这段话怎么解读？缴纳时长按25年算还是20年？或许这段只对超过40年工龄的人适用？ @渥太华华人论坛:渥太华枫下论坛 The Rolia Forum of Ottawa

枫下家园 / 钱财税务 / CPP 如果持续按最高金额缴纳了二十年，临退休时的5年因为低收入只缴纳最高金额的20%，这样会如何影响退休后CPP拿的金额呢？这段话怎么解读？缴纳时长按25年算还是20年？或许这段只对超过40年工龄的人适用？ -walkthrough(Good Fight); 3-26 {563} (#16021198@0)
Periods of low or no earnings
You might have years of low or no earnings. When we calculate the base component of your CPP retirement pension, we will “drop out” or not include up to 8 years of your lowest earnings from your earnings history. This will increase the amount of your pension.
We determine the enhanced component of the retirement pension on your contributions to the CPP enhancement. It’s calculated using your best 40 years of earnings. This will only affect you if you work and make CPP contributions after January 1, 2019.
https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-benefit/amount.html

我理解是按25年计算，但是你的贡献量计算时他们会把后五年的低收入去掉。就是假设你25年都是同样的贡献。 -anexplorer(页于); 3-26 (#16021346@0)

这样最好。我知道有些DB pensions 是这样计算的，不确定CPP 是否。 -walkthrough(Good Fight); 3-26 (#16021482@0)

@Ottawa