就是说这项可以先空着不填了? thanks.

Thanks a lot. I feel more clear now. Is that necessory to add our kid as the designate beneficiary? If apart from the spouse, i don't add anyone i can leave that page blank, right?

I am not sure what you mean of " apart from the spouse"... living apart from the spouse and proceeding a divorce? Or just different meaning in Chinese...

As long as your family structure is simple, say, you are married and have several kids, it is ok to leave it blank. When you don't name beneficiaries, your IRA balance will be paid out in the following order: to your spouse, children, grandchildren and then to your estate.

When things are complicate, in order to avoid unnecessary prorate costs and unintended tax burdens on family members, it is always the best to have beneficiary designation on file... ( for example, I had a case of a divorced lady with an adult daughter. She recently remarried. She has her own living trust...Instead leaving the IRA to the new husband by default , She wants to leave it to her daughter , then the living trust... See? )

不要去FIDELITY了.他们收费贵.而且这帮人做得太差了.我今年转到AMRITRADE去了.你如果有认识的人REFER,还有PROMOTION.

妹妹能详细说说么？为什么我看到很多人说fidelity费用低，可选的基金多呢？ 你说的这个有什么好处？