When 80% of private sector workers have no employer based pension CPP should be made the centerpiece of everyone's retirement plan and it is completely inadequate with a far lower rate of return to beneficiaries than what is being paid on public sector pensions.  CPP Reform by the Trudeau government was a complete fail.  It won't pay out full reform benefits for 45 years.  As for public sector pensions I'd raise the age for full benefits to 65 and reduce taxpayer contributions to 5%.  Better yet, I'd turn them into defined contribution plans with a 5% employer contribution which is about what most workers can expect with private employer pensions in the public sector.  And I won't vote for any politician again who was involved in CPP Reform.