Excellent article/rebuttal.   My assessment, based on the fact that I didn't 'need' the CPP money and would therefore just want to reinvest it..   CPP untaken is guaranteed, somewhat inflation indexed, and tax deferred.  What is the best return one can get on a guaranteed 'investmment'..   maybe 2.5%  as a GIC , BEFORE TAXES!    Even my most conservative assumptions as to 5yr shorter life expectancy from age 70, and  net present value of future cash flows, indicated that in this artificially suppressed interest rate environment,  delayed CPP was a a better deal by far..