怎样确立RRSP或RRIF的受益人最合理呢(How to establish RRSP & RRIF beneficiaries)?
一般来说,应立你的配偶或未成年子女或孙子女为RRSP或RRIF受益人,而不是将其列入你的遗产中。这样,万一你过世时,可避税直接转入配偶的RRSP或RRIF,或未成年子女或孙子女的年金计划中。(Where applicable, consider naming your spouse or common-law partner, dependent child or grandchild, rather than your estate, as beneficiary of your RRSP or RRIF. Assets may pass tax-sheltered upon death directly to an RRSP or RRIF of your spouse or common-law partner, or to a child's annuity).