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Alright, I am a new teacher in Ontario, as such I'll likely build a decent pension through the decades.
Me and my wife have no plans to have children and are both professionals. Obviously my pension is hers if I go first, which is probably going to be the case. But, I also keep getting encouraged by the Ontario Teachers Pension Plan to select a beneficiary in case we both pass, so it doesn't become a matter of estate. I thought about this a lot, but since I have no/won't have children, I just don't know.
Where do I research and find an organization worth leaving behind whatever it is I leave behind? Especially one that don't have huge overheads?
Your spouse will automatically receive your pension. If you don’t have a spouse, the only real beneficiary payment is if you die prior to death. Sometimes there may be a gauarantee if you die post retirement, but keep these things in mind.
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