大樹不是慈善事業，手續費也很高，但是我算一算合算夠花就不計較太多。
所以GOV退稅我也只是問問為什麼有天上掉下來的禮物。
有些時候新買ETD的配息被扣30%，我就會去要。我自己蠻確定ETD不必扣。
理專都說是大樹的上手，花旗，先扣了，他會去爭。
不錯的是，每次都爭回來。之後就不會扣了。
我想稅務的問題可能不只大樹理專，說不定花旗也搞不完全清楚，新案件就先扣了。
至於有沒良心退回給客戶就看卷商公司了。
moniwang wrote:
我想在這個主題討論...(恕刪)
如果買ETD被預扣稅
我是直接線上跟IB的客服chat
而IB稅務部門確認沒問題後
通常會直接退還
如果還是沒有
就只好去申請退稅
而有大大提到信評的單位升降評等
2008年雷曼兄弟爆掉之前的信評是AA
因此信評我會參考,但不是絕對
本文有提到一檔KTP
對應企業是JCP
之前季報公布後(時間點是2018/8/17)普通股大跌30%
那幾天連帶特別股跟債券也受波及
KTP從13.3跌到低點9.9左右(2097年到期)
以票面利率7.625%來算殖利率一度超過19%
2020到期的JCP公司債價格一度跌到有13%殖利率
如果建立一套自己的信評
跟資產配置計畫
保守點的人可以去買JCP的公司債
以JCP的財報的呈現
3年內不會有還本付息風險
13%的JCP公司債就變很好的持有標的
所以幾天時間殖利率就被買到11%多(約2年後到期,固定收益快到期時,價格會開始趨近票面)
至於KTP就看個人風險承受程度
這種我能評估出來的企業
通常我會安排少量資金做2~3年的短期配置(約3~5%的部位,心臟小的買公司債,心臟強的買KTP,但請記得這是短期配置)
但如果無法分析企業還本付息風險
遇到這種狀況就別去碰
而怎麼去估計還本付息能力
我會先去看晨星提供的標準化資產負債表跟現金流量表(了解投融資決策跟自由現金流量狀況)
詳細一點就去看10K的債務到期年限做風險判斷
以下是JCP在10K相關公司債呈現
買了就套,套了就等,等不到就賣,賣了就漲上去=="
Non-US investors in US real estate: tax challenges and solutions
....
REITs are often utilized by non-US investors to either lessen or avoid US federal income taxation. A REIT is an entity that meets certain asset, gross income, ownership composition, and distribution requirements. If these tests are met, a REIT will escape corporate taxation, despite being viewed as a corporation for most US federal income tax purposes. The benefits of such corporate status include the general avoidance of state tax filings for the jurisdictions where the REIT owns assets and the conversion of rental income into dividend payments. However, with few exceptions, gains that a REIT derives from dispositions of US real property interests will be taxable under FIRPTA in the hands of a non-US investor just as if such an investor disposed of the US real property interest itself. Importantly, all ordinary REIT dividends should be viewed as dividends under US tax treaties and other provisions, such as Code Section 892, and generally should not be viewed as ECI. This means such ordinary dividends are potentially subject to advantageous US withholding rules under tax treaties and/or Code Section 892. Note, however, that ordinary REIT dividends are usually subject to less beneficial rates of withholding than corporate dividends under tax treaties.
...
Reits 是 ECI or NECI
或是某些部分算
寫信去問問 IRS看看好了
dirtypoint wrote:
Importantly, all ordinary REIT dividends should be viewed as dividends under US tax treaties and other provisions, such as Code Section 892, and generally should not be viewed as ECI....(恕刪)
d大引述的文章指出REITs所發放的股利應該被視為美國稅法上的股利，而不應該被視為ECI。
我的詮釋是買REITs就像單純買股票領股利，這是NECI，而不是買房地產當房東領租金，這種會被視為ECI。
d大如果真得到IRS的回覆，可一定要讓我們知道啊！ :)
moniwang wrote:
d大引述的文章指出REITs...(恕刪)
我放棄了 有其他太多更重要的事要做
利用firstrade 交易免手續費
配息前賣出 配息後買入 reits 就可解決惱人的問題
對現在的我 找一些reit 資料比較重要
這兩天思考 為何SNH 的dividend yield 還蠻高的
有篇文章還不錯
有興趣的可參考一下
節錄
Better Buy: HCP, Inc. vs. Senior Housing Properties Trust
...
Also, Senior Housing Properties Trust uses significantly higher leverage to generate income, which adds another element of risk. The company's debt-to-total-capitalization ratio is 44% as of this writing, significantly higher than HCP's 36%. This risk difference is reflected in HCP's higher credit rating (Baa2/BBB, versus Baa3/BBB- for Senior Housing Properties Trust).
...
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