So I moved out of US last year. I stayed in India for a whole year and now I moved to Thailand. I need some clarity on how to navigate this whole situation. **Connection to US:** 1. Non-resident alien for 2026(Checked substantial presence test). Going to be spending 0 days in the US this year. I have no US address or a US job nor does any of my family live in the US. Not a US citizen or a US Greencard holder. 2. Have a significant sum of money invest in S&P 500 ETFs that generates dividend income. **Connection to India:** 1. India's financial year runs from 31st march to 1st April. 2. Stayed in India till April of this year. Was a tax resident of India from January to the end of march. Won't be a tax resident of India for the rest of the year. 3. I own an apartment in India. My parents live in India as well. **Connection to Thailand:** 1. Thailand financial year runs from January 1st to December 31st. I will be staying here for at least 183 days. Hence I will become a full year Thailand tax resident. 2. I rent an apartment here. I have a job that pays me salary here. I pay taxes in Thailand on my Thai salary. 3. I moved here in the middle of April this year. # DTAAs(Dual taxation avoidance treaties): **US-India DTAA:** US taxes dividends are taxed at 25% **US-Thailand DTAA:** US taxes dividends are taxed at 15% # Questions: **W-8BEN:** 1. Right before I left India, I submitted a W-8BEN to my US brokerage firm with my Indian address and claiming US-India DTAA benefits. Should I wait first to complete 183 days in Thailand before submitting a W-8BEN with my Thai address claiming Thai tax benefits? My worry is that if I leave Thailand before completing 183 days for whatever reason than I wouldn't have become a Thailand tax resident. So that's kind of like lying on the W-8BEN. 2. What if I filled a W-8BEN where I claimed US-India DTAA benefits and use my Indian address as the permanent address and my Thai address as the mailing address instead? I plan on making some substantial trades in my US brokerage account. I am worried that if they see that these trades are coming from a Thai IP address from inside Thailand, they might freeze my account over suspicion of fraud. **The actual tax return:** W-8BEN is only for withholding tax on my US dividends. When I ultimately file my tax return next year, should I claim US-Thailand DTAA? Should I claim US-India DTAA? Should I claim US-Thailand DTAA for Dividends I received from April to the end of the year and US-India DTAA for dividends I received from January to March? **Letter 5447c:** Since this year was the first year, I filled my US tax return from outside US and used a foreign address on it and also paper filled my taxes, my return was flagged for Identity verification/protection. I was told that I will be getting a 5447c letter. I called the International taxpayer protection number and verified myself over the phone instead last week. They told me last week that it can take up 9 weeks for my return to be processed. Now if I submit a W-8BEN with my Thailand address, will it create more problems for me? I just called IRS last week and told them that the Indian address that I put in my tax return is my new address. And now I am telling them again that I have a new Thai address. Wouldn't that look suspicious? Should I wait 9 weeks for my return to be processed completely before submitting a new W-8BEN?

I'm looking to transfer my RRSP and dpsp from one FI to another FI. I understand RRSP and be moved into RRSP in kind or cash. What about dpsp? What account would it be at a self directed brokerage?