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枫下家园 / 钱财税务 / Assuming A and B are couples.Person A can get pension 20,000 a year, person B can get 30,000 a year. The issue is how to evaluate the value of the pension because the longer you live, it values more. Not like RRSP, the value is fixed. If B takes pension 50 years after retirement, it values 500,000 more than A. If B dies before retirement, it values 0. Probably B have to pay A 5000 per year until A dies unless B dies before A. Is it correct?
-lhq2000(阿伟);
3-20
{415}
(#16011163@0)
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Should it be 50/50 regardless for couples? There is still pension left for A if B dies before retirement.
-hi_buddy(Buddy);
3-20
(#16011238@0)
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假设A和B婚姻解体，如何在两个人之间公平分配Pension的价值？B说，我的年Pension比你多10，000。我一次性给你一般5，000.好像不能这么算？应该每年5000，直到任何一方去世。对不？
-lhq2000(阿伟);
3-20
(#16011252@0)
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They won't be spouse any more in term of pension if they devoice before retirement.
-hi_buddy(Buddy);
3-20
(#16011279@0)
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这还不容易。假如是一半一半，协议写上A，B的退休金在离婚前的部分，A的退休金一半属于B，B的退休金一半属于B。The end。这种分配应该是以一方的死亡而相互终止。死后遗产是人家后老公后老婆的财产。
-torontooo(土狼兔);
3-20
(#16011272@0)
+2
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有道理。和RRSP取款不一回事，RRSP净值越取越少。
-lhq2000(阿伟);
3-20
(#16011282@0)
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pension survivor benefits 是可选项，可以死后即停，也可以按比例继续支付给配偶。估值最简单是用Pension's commute(lump sum) value, 分一半两清，但前提是你有足够的现金支付这钱。
-vicky2005(v大叔);
3-20
(#16011286@0)
+1
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谢谢高见。那自己管理的RRSP又怎么分呢？又不能马上取出来。投资也可能全亏掉。取出又要扣除税.不能说我的RRSP账户比你多十万，我该给你5万现金补偿。
-lhq2000(阿伟);
3-20
(#16011330@0)
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离婚这东西全在协商
-vicky2005(v大叔);
3-20
(#16011337@0)