T***L
发帖数: 2 | 1 养老保险的TRS和ORP如何选择？这是一个版面上有的老问题，但还是不得要领。钱的数
量上TRS和ORP差不多，简单计算来说ORP还略多些。稳定性上来说，ORP也不见得不稳定
，毕竟有那么大的投资数量级。那么，既然ORP多了灵活性，为什么不选择ORP呢？看到
版上很多人提到TRS的福利，读了下overview除了多了disability and death benefits
外，没读到什么多余的福利啊？初学者，请大家指教。 | S******e
发帖数: 299 | 2 I am not an expert but here it is what I learned. ORP offers the flexibility
. The money belongs to you and it can pass to your children. So, if you
lives a long long life, your ORP may not be enough.
TRS is good if you and your spouse lives a long life! If one with TRS dies
the next day after retirement, the spouse gets the money; but if the spouse
dies, nothing is left! |
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