I certainly don't want to alarm people, but as I referred to in answering an earlier question, this is an important discussion that everyone should have with their spouse and family at the kitchen table: “Do we have enough to retire on, and if we don't, then what can we do to make sure we do?”
The Canada Pension Plan is there. OAS and GIS are there. But we need to make sure that if you want to have a happy life—maybe a set of Pings in the back of your car to play some golf—you need to plan for that.
This is one option where you'll be able to plan, through this large pool of funds. Your returns will be increased because the cost is low. That's the main benefit of this over many of the other pension plans. The costs will be very, very low so there will be more money in your pocket.