CPP is a pension plan only in name. The reality is that it is a tax you pay while you work and then a subsidy that you get when you retire. You don’t own the plan, you don’t have control over the plan, and the chances are that you will not get what you and your employer put into the plan back before you die.

This video goes over why self employed people really should be paying into their own pension plan and avoiding paying CPP all together.