China Guide
The US keeps 10% of my dividends under the treaty. China then taxes the same dividends at 20%, credits the 10%, and asks for the difference. The full math on a $10,000 position.
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The Dividend Snowball Charts You’ve Seen Are Pre-Tax. Yours Rolls Slower.
Every dividend snowball chart you’ve seen is pre-tax. Mine rolls on 90-cent dollars; a Singapore investor’s on 70. Thirty years of what that actually costs.
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A Singapore Investor Keeps $70 of a $100 US Dividend. I Keep $90.
Same stock, same dividend. A Singapore investor keeps 70 cents, a China investor keeps 90. One side has a US tax treaty, the other doesn’t, and the gap compounds.
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My US Dividend Tax Jumped From 10% to 30%. An Expired W-8BEN Was Why.
The W-8BEN expires every three years. Mine died quietly, and my next dividend arrived 30% light. The fix, the refund math, and the reminder to set today.
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The 2026 Estate Tax Law Changed Everything for Americans. For Foreign Investors, It Changed Nothing.
The 2026 estate tax law raised the US exemption to $15 million — but none of it applies to foreign investors. Nonresidents still get just $60,000.