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@nudestathart Yes, if they discover you are permanently resident outside the US they may try to close some accounts which are intended for US residents. If I try to follow the reasoning, some types of transactions may be restricted by geography, and the account types aimed at residents don't...

@daylejoy If you don’t tell your broker that you reside in Germany, yes. If they discover that you do they may suspend your account or (as in my case with Schwab) restrict your account to prevent you from buying us-domiciled funds.

@tootsiepop52 The US issuers of ETFs don’t provide enough info to meet EU consumer protection law, specifically the relatively new PRIIP regulations. Here is a decent article on the topic: https://www.justetf.com/ch/news/etf/us-domiciled-etfs.html I’ll repeat my warning as well: US citizens...

@daylejoy you're right that being a US citizen residing in Germany, officially you cannot be sold US-domiciled ETFs or Mutual funds (eg. Vanguard funds you mentioned), and if you buy a non-EU-domiciled fund (say an ETF based in Ireland) then you will be heavily penalised come US tax time. You...

@777qi7 In that case: https://www.ssa.gov/myaccount/replacement-card.html I’m actually in the same situation. No physical soc security card. You inspired me to go see how to remedy that. Here’s the link I found. And if you don’t have a us mailing address: https://www.ssa.gov/foreign/foreign.htm

@777qi7 https://www.americansabroad.org/sdfcu-account/