How Is Your Canadian Pension Plan Invested? Part 1 of 2
- Olu Olu
- Dec 15
- 2 min read
When most Canadians think of investing, their minds go straight to stocks, mutual funds, or maybe a TFSA. But the Canada Pension Plan (CPP) Investments portfolio (the fund managing your retirement contributions) takes a much more strategic approach.
As of September 30, 2025, here’s how CPP Investments allocates its portfolio:
Asset Class | Allocation |
Public Equities | 35% |
Private Equities | 27% |
Government Bonds | 15% |
Credit (e.g. corp bonds) | 9% |
Infrastructure | 8% |
Real Estate | 6% |
This is not just a chart — it's a blueprint for how to build lasting, resilient wealth.
Why You Should Pay Attention
The CPP isn’t trying to get rich quick. It’s building long-term value for millions of Canadians. And you can apply the same principles in your own portfolio — no matter your income or stage of life.
Public equities offer growth, but aren’t the whole story.
Private equities, infrastructure, and real estate help smooth out volatility and add unique growth paths.
Credit and government bonds provide income and capital protection.
If you’re only invested in stocks and a few GICs, you’re leaving opportunity — and stability — on the table.
Most Personal Portfolios Are Too Simple
CPP Investments uses professional diversification because it works.
Ask yourself:
Does your portfolio include private market investments?
Are you exposed to real assets like infrastructure or real estate?
Are you set up for resilience through market ups and downs?
If not, it's time to rethink.
Learn From the Best — Then Personalize It
You don’t need billions in assets to take a page from the CPP playbook. You just need a plan.
As a licensed life advisor, I help individuals apply smart, institutional-grade strategies in real life:
Portfolio reviews that align with your goals
Long-term investment options you may not be aware of
A clear path forward that balances risk and growth
Take the First Step
If the CPP is betting big on diversification, why aren’t you?
Reach out for a one-on-one conversation. You can also read some related blogs on financial planning, managing finance and canadian financial realities.
If you want to build a personalized, long-term wealth strategy with access to the kinds of investments that have stood the test of time - Let’s Talk. I help clients across Canada build sustainable financial plans rooted in clarity and confidence.
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