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Wednesday, March 4, 2015

自动退税W-8 WITHHOLDING

今天(28/2/2015)打开美国证卷TD Ameritrade 的户头里的现金“突然”多了。咦,是财神爷还是圣诞老人给的?打开账户记录,发觉25/2/2015多了几项W-8 WITHHOLDING



Ali 也不懂什么来的。上网找找,发现在绿角博客有介绍。

原来这是自动退税。美国股票股息会被扣除30%tax,如果用本地(马来西亚)的证卷商,还会被扣服务费,最终没剩多少钱。有时还不够缴交服务费(如果扣除后是负数,不用补贴)。很多时候,被扣除30%tax股息不吸引了。

但是如果用美国证卷商(例如TD Ameritrade),只是扣tax,没有服务费。一般上,bondtipETF,去年被预扣税,今年二月都会自动退税,就会有几笔钱入账。退税率50%95%,以我的BIVBLV为例,(前者是中期债卷,后者是长期债卷),BIV取回83.9%退税,BLV则是取回76.6%退税。那么我的ETF股息只是缴交5%7%的税务,而不是30%TD Ameritrade是提供自动退税,无需申请,无需申报。


可惜个股就没有这项自动退税,股息会被扣除30%tax。所以这也是投资ETF的另一个好处,除了Bondtip ETF,投资REITETF也有自动退税。

关于个股退税,参考《投资美国股票能不能退税?Non-resident alien tax refund

希望有投资外国股票的读者,也欢迎留言分享投资税务经验。


相关文章:
投资美国股票的经历分享

Ali用的海外证商经验分享- TD Ameritrade

开户步骤TD Ameritrade Open Account

11 comments:

  1. hi,
    i using optionxpress to trade US stock.
    My dividend(US stock) oso kena 30% tax.

    But , we have advantage over US citizen: we will not kena 'short term gain tax'
    http://taxes.about.com/od/capitalgains/a/CapitalGainsTax.htm

    It means selling stock with profit for less than ONE year holding will kena tax. (For US citizen)

    ReplyDelete
    Replies
    1. @lee,
      ic, just know that US citizen kena short term capital gain tax, no wonder they shall invest long term.

      Delete
  2. Hi Ali,

    To open Ameritrade account, you need Your Social Security Number or Individual Taxpayer Identification Number (ITIN) .

    What did you key in for that?

    Regards,
    Mak

    ReplyDelete
    Replies
    1. Hi Mak
      welcome to my blog.
      I left it blank when last time i applied, it shall be ok for non-US resident .
      Do you have any referral, if no, can I be your referral?
      TD ameritrade will award $50 for referral friend

      Delete
  3. Hi Ali, No I don't have referral.

    Give me your ID or referral link I ^^

    ReplyDelete
    Replies
    1. Hi Mak, you can PM me by email (boonlee77@gmail.com), then I will send you the invitation link to open account TD ameritrade. I will share you, my two cents worth experience with TD.
      Thank you

      Delete
  4. Hi Ali,
    如果TD Ameritrade个股没有自动退税,请问当局是怎样退税给股票拥有人的?
    谢谢!

    ReplyDelete
    Replies
    1. 个股没有自动退税。你有投资美股?有什么证商?你有收到 form 1042-S?

      Delete
  5. ali 请问reits 也肯定 能退税吗?不然30%的课税对盈利影响很大,尤其我是股息派的注重股息投资

    ReplyDelete
    Replies
    1. 有些,如VNQ(32.9%auto refund),其余需向IRS申请。不是全部broker 有退税服务,每家broker退税标准不同。

      Delete
  6. hi, is there a way to claim back the 30% tax deducted?
    Thks

    ReplyDelete