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| This thread has been very educational, and I add my thanks to the contributors.
Am I right in thinking this kind of thing is wholly dependent on the terms of the fund, which vary from case to case, and can be avoided by taking care to choose a fund with terms that do award capital to one's beneficiaries/survivors? | |
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Yes it depends on the rules of the pension fund.
Employees must join the employer's pension fund. So there is no choice, unless you are the employer and can write the rules.