美股的遗产税，大家有关注过吗？如果投资SGX的股票，特别是在CDP里面的，如果投资人去世，那么资产自然按照继承顺序被继承。所以这个不是问题。 问题在于美股，第一个问题是这笔投资在什么平台，登录信息等等，家人未必完全知情，一旦有事，这笔投资就很难被正常继承。当然，这个可以通过把详细信息让家人知道来解决。 那么第二个问题就来了，美股是有遗产税的，对非美国公民和pr来说，还很高。怎么才能避免这个遗产税？有一个办法是联名账户，joint account。我看美股券商开joint account有好几个选择： Joint Tenants with Rights of Survivorship – A form of ownership in which two or more parties have equal interests in the account and in which title to the entire account goes to the survivor(s) upon the death of one of the account holders. This process avoids court probate of the property, but may have some tax consequences which should be reviewed with a tax advisor prior to opening the account. Community Property – Community Property is property received by a husband and wife during the marriage, except inheritances and specific gifts to (more...)

问题问的好股票的联名账户，连接的银行账户是否需要联名，我正在咨询券商。 但是如果不是联名账户，A的股票账户，提款只能提到A的银行账户。如果A不在了，A的银行账户自然也就冻结了，这个时候，即使A的家人可以登录股票账户，也是无法提款的。想提款，就要走流程，这就涉及遗产税了。遗产税发生在股票账户那边，而不是新加坡的银行账户。 如果非联名账户的情况下想要避免遗产税，那就需要另外一个人随时能够登录股票账户，一旦A不在了，立刻登录账户清仓，然后把钱转回来。

这是为什么我们一直买 IWDA VWRA 的最主要原因Ireland does not tax dividends or gains paid by Ireland domiciled ETFs to non-Irish residents, and does not apply its inheritance or estate taxes to non-Irish residents who hold these ETFs. That said, an Ireland domiciled ETF will internally have to pay 15% US dividend withholding tax on dividends it receives from any US stocks it hold. 那些觉得家里人有自己的 login credential 就可以转走的要想清楚：(1) 合法吗? (2) accidental death