回国一年多，cash out 401K时不算US person了吧？

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准备cash out 401k，网上需要填这个身份。按照IRS的定义，我应该就不算US person了，因为substantial presence test第一条我就不符合。但是以前开股票账户的时候客服很笃定地告诉我，只要我有SSN就算是US person。所以这里不知道该如何选择了
来自: iPhone客户端

小胖拉米夫定

Cashing Out
When it comes to early retirement account withdrawals, the rules are the same for both U.S.residents and nonresident aliens. According to the IRS, participants in a traditional or Roth 401(k) plan are not allowed to withdraw funds until they reach age 59½ or become permanently unable to work due to disability. If you are younger than 59½, not disabled and choose to cash out the funds from your 401(k), you’ll be subject to a 10% early withdrawal penalty. So, if your 401(k) is worth $15,000 and you decide to liquidate the account, you’ll be required to pay an additional $1,500 in taxes. That means your withdrawal is essentially slashed to $13,500.


是不是US person 結果都一樣
来自: iPhone客户端