text: You mean the investment fund has beaten every index - NOT the same thing. 
  
  Only a small fraction of your contributions goes into the fund, the rest goes to funding existing liabilities.
  
  What the average contributor gets is basically unrelated to the investment returns , and only tangentially related to to their own contribution level.
  
  With regards to your other comment, all I can say is CPPIB is stocked with Wall St bankers.