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3ヵ月 : から 2 2012 まで 5 2012
As the February 29th deadline approaches to make a contribution to a Registered Retirement Savings Plan (RRSP) and as part of its ongoing commitment to improving financial literacy, BMO Financial Group will be providing daily retirement tips during the month of February from BMO Retirement Institute Head Tina Di Vito's new book 52 Ways To Wreck Your Retirement...And How To Rescue It.
Tip Number 48:
Choose the right beneficiary for your RRSP, RRIF and TFSA
One of the biggest mistakes people make in estate planning is failing to name a beneficiary for their Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) and Tax Free Savings Account (TFSA). Failing to do this may result in the account(s) defaulting to the estate and incurring higher estate taxes.
-- Always consider naming a spouse as primary beneficiary on RRSPs and
RRIFs, and as a successor account holder on TFSAs. If it is not
appropriate to name your spouse, consider whether it is appropriate to
name another beneficiary to allow the funds to be paid directly to the
beneficiary and bypass the probate process.
-- Ask your financial institution if you can make a "contingency
beneficiary designation" on your RRSP, RRIF and/or TFSA, should your
primary beneficiary pre-decease you.
-- Review the beneficiary designations on your RRSP, RRIF, and/or TFSA and
in your will to ensure they reflect each other, are appropriate and up
to date. Your designations should be reviewed and updated after any
major life event such as a marriage, birth, separation or divorce.
For more information on retirement: www.bmo.com/retirement.
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Contacts:
For all news media enquiries please contact:
Rachael McKay, Toronto
416-867-3996rachael.mckay@bmo.com
Sarah Bensadoun, Montreal
514-877-8224sarah.bensadoun@bmo.com
Laurie Grant, Vancouver
604-665-7596laurie.grant@bmo.com
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