What retiring in Canada looks like when you started your career elsewhere.
How CPP treats an immigrant's shorter careerYour CPP pension is built only from years you contributed in Canada, so arriving at 35 means a smaller cheque — but international agreements can let foreign work years help you qualify.
Old Age Security depends on years lived in CanadaOAS needs 10 years of Canadian residence after 18 to get anything (20 if you'll receive it abroad), and 40 years for the full pension — most immigrants land on a partial amount.
RRSP or TFSA: the long-game decisionOnce you're established, the split matters: RRSP wins in high-earning years (deduct now, withdraw taxed later), while the TFSA shines if you expect partial OAS — its withdrawals never claw back benefits.