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Illustrating the Potential of an Alberta Pension Plan
Due to Alberta’s comparatively high rates of employment, higher average incomes, and younger population, Albertans would pay a lower contribution rate with a separate provincial pension plan, compared with the CPP, while receiving the same benefits as under the CPP.
Put differently, moving from the CPP to a provincial pension plan would generate savings for Albertans, which could be used to increase private retirement income. This essay assesses the potential savings for Albertans of moving to a provincial pension plan. It also estimates an Albertan’s potential increase in total retirement income, if those savings were invested in a private account.
Depending on the contribution rate used for an Alberta pension plan (APP), ranging from 5.85 to 8.2 percent, an individual earning the CPP’s yearly maximum pensionable earnings ($71,300 in 2025), would accrue a stream of retirement payments under the total APP (APP plus private retirement savings), yielding a total retirement income of between $429,524 and $584,235. This would be 22.9 to 67.1 percent higher, respectively, than their stream of CPP payments ($349,545).
An individual earning the median income in Alberta ($53,061 in 2025), would accrue a stream of retirement payments under the total APP (APP plus private retirement savings), yielding a total retirement income of between $329,640 and $454,741, which is between 24.4 percent to 71.6 percent higher, respectively, than their stream of CPP payments ($264,968).
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What’s happening in Argentina right now is one of the most overlooked economic stories in the world. Eighteen months ago, Argentina was in free fall.
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Inflation had hit 211%.
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The poverty rate was over 40%.
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The government was spending itself into oblivion, running a deficit over 4% of GDP.
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Confidence in the economy had all but evaporated.
And then something unexpected happened.
The people elected Javier Milei — a wild-haired, blunt-spoken economist with radical ideas and little interest in pleasing the political class. He didn’t promise handouts or even sell hope. He told the nation the truth:
“There is no money.”
And then — unlike most politicians — he acted accordingly.
Within one month, Milei slashed public spending by 30%, balanced the budget, eliminated half the federal cabinet ministries, removed artificial currency controls, and reined in the money supply.
He didn’t try to “fix” everything with another government program. He took the opposite route: get the state out of the way so ordinary people...
I went to an Alberta Prosperity Project local chapter startup/organizational meeting yesterday evening.
The meeting was originally booked in a meeting room at the community hall. It had to get changed to a small hall due to the number of people who RSVP.
There were approximately 120 ish people at the meeting with a very good mix of age groups.
Some very young single fellas and some family units with their young children and teenagers with them. Probably half of the group was 45 and younger.
Scott Payne (one of the “black hats” did most of the information education.
He started out with a few questions:
1. How many were at their first APP meeting?… 👍for 80% this was their FIRST time attending an APP Function.
2. How had heard of Jeff Rath, Mitch Sylvester and or Dr Denis Modry… again this was the FIRST time for these 80%
3. About half the crowd were Ready for Alberta Independence, the other half were unsure.
Scott proceeded to educate in these topic areas:
- he explained who Rath, Mitch and Modry are and what there roles are.
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