Mr. Speaker, clearly, when it comes to investing, we have to put ourselves at the mercy of the markets to some extent. Sometimes things go well and sometimes they go less well.
It is not the same thing as counting on a guaranteed income at age 65, or now age 67. It is not the same thing as investing in an RRSP. Whether a person invests individually or with a group of colleagues, the level of risk is not the same. It is much greater than the risk for the federal government, which has a huge fund and can diversify the risk in order to promise Canadians a stable specific income in the future, while allowing them to know today the amount of income they will receive in 20 or 30 years.