you will receive 42% more CPP by delaying from 65 to 70 (and about 35% delaying OAS)...that is a pretty solid return...I would prefer to use more of my savings in the first 5 yrs and less in the later years....I can finance the retirement I want with my own savings from 65 to 70.... and I also have the piece of mind of knowing I have a greater amount of Guaranteed Income from CPP starting at 70....I quite frankly do not worry about getting my money out of the CPP...I worry about maximizing guaranteed cashflow until I die...once I'm dead I really don't care.