You’re assuming they’re even aware they’re missing 15% of their US dividends, most people don’t go on forums and your average person building a pension doesn’t really know about withholding tax never mind the rules that apply in pensions. Unless anythings changed recently, it was never that clear in any documentation that Freetrade does this. When SIPPs were being introduced people (including myself) had to ask several times if there was going to be any withholding tax.
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