【國外投資】TD Ameritrade 更新 W-8BEN 通知 -FTIN

今早收信時,收到TDA的來信…登入系統後,原來是叫我更新我的FTIN資料。

※2017.09.15更新:已收到TDA的回覆囉,文件羅列於文末。
※2017.09.15更新:PTT網友badfood大大的分享。

這封信長這樣:

 
A new regulation requires TD Ameritrade to collect your foreign tax identifying number before January 1, 2018. Our records as of September 6, 2017, indicate that we don't have this number on file for your account. To avoid backup withholding and comply with U.S. tax regulations, please send us a completed and signed Foreign Tax ID Number Form from each account owner. 

We encourage you to send us this form as early as possible. To allow time for processing, we'll need to receive it by December 8, 2017.

If you have a foreign tax identifying number, you may provide this in the Tax Identification Number section of the form. If you are not legally required to obtain a tax identification number in your jurisdiction of tax residence, you may complete the Reasonable Explanation section. However, if your country has an Intergovernmental Agreement (IGA) with the United States and requires a foreign tax identifying number, TD Ameritrade cannot accept the Reasonable Explanation Form in lieu of that number. 

How to Send Us Your Form(s) 

        You may send your form(s) to us electronically, fax it, or mail it to us.
  • To submit the completed and signed form(s) electronically through our secure Message Center, scan it, along with any other material you're sending, then attach the scanned document(s) when you reply to this message.
  • If you'd prefer, you can fax us your form(s) at 866-468-6268.
  • Or you can mail it to us, at: TD Ameritrade 200 South 108th Avenue Omaha, NE 68154-2631 United States of America (if you're mailing this material from outside the United States)
Please Respond Soon If we don't receive a response by December 8, 2017, we will be required to convert your foreign account to a U.S. Taxpayer account after the end of this year. We will also be required by the Internal Revenue Service (IRS) to withhold 28% of all interest, dividends, proceeds from options transactions, gross sales proceeds, and other reportable distributions credited to your account until we receive the necessary documentation.
  • California residents* who are subject to federal backup withholding on their account will have an additional 7% withholding at the state level on their gross sales proceeds, long-term capital gains distributions, proceeds from cash liquidation transactions, royalties, and substitute payments, for a total of 35% withholding.
  • Maine residents* who are subject to federal backup withholding will have an additional 5% withheld at the state level on their proceeds from sales transactions, interest, and dividends, for a total of 33% withholding.
If you have already sent us this form(s) after September 6, 2017, then you don't have to do anything else. To be sure we've received it, just reply to this message to write us, or call Client Services at 800-669-3900. If you are calling from outside the United States, please use 800-368-3668. You can reach us 24 hours a day, seven days a week. We're here to help. If you have any questions, or if we can assist you in any way, just let us know. _____________________________________________________________________________ * Residency of a particular state is determined by the mailing address on your account. TD Ameritrade does not provide tax advice. Please speak with a tax advisor about your particular situation. TDA 1000736 EM 08/17







稍微Google了一下,今年五月就有版友也遇到一樣的信件,並且分享解決的方案:



原來是台灣簽定了肥咖 (FATCA) 條款,所以FTIN不能只填N/A。


我特別回去翻我去(2016)年四月3號的開戶資料:
去年開戶檢附的W-8BEN表

PartⅠ的第6項 「 FTIN」,我的確是填 n/a。故這一次TDA要求我補資料,合情合理。

接下來要怎麼做呢?只要把附件下載下來:
填寫教學
填寫無誤後,就可以透過Message Center,把文件回傳囉!


同場加映

PTT的Foreign_Inv裡,badfoo大大有很精彩的解釋,也歡迎移駕過去看看:


badfood大大的意思,是指OECD對FTIN是有一些規範的,但針對台灣的部份,並沒有訂出規範;因此,使用身分證號碼也是可行的。

他也建議,這個問題建議盡快處理喔!不好拿來開玩笑。他也舉出自己的例子,之前去周遊列國 環遊世界,所以沒有收到HSBC要求他補資料的小插曲。沒想到HSBC只給他一個月的期限去處理,結果等他回國後,早就過了效期!後來事情是圓滿解決了…

故,有收到這封信的,快快處理之吧。

【結論】

國外開戶不簡單,再加上要備齊資料,也得花時間整理。更不用說常常遇到開戶有問題,需要用英文書信往返的過程了,對有「英文恐懼」的人來說,都是很大的挑戰!

但只要一想到我的錢不用放台灣被這些基金業者大賺0.5~1.5%的手續費,
我的市場報酬就是扣掉成本後的實際所得,
而且晚上也不用因為股票上衝下洗而睡不好,
我就覺得值回票價了!

晚點再跟大家回報TDA客服回覆的狀況。

9/15早上,已經收到TDA的回覆:
看來是更新成功囉!

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