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Old Age Security
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- 1Quebec retiree weighs deferring pensions and gifting real estate▼Should Christopher defer QPP as well as OAS and gift real estate while he's alive?
A Quebec retiree named Christopher is deciding whether to defer his Quebec Pension Plan benefits in addition to delaying Old Age Security, and whether to gift real estate to family while still alive. The question highlights trade-offs between higher future pension payouts and current income needs, plus potential probate and tax advantages of transferring property before death.