i recently bought SPDR SNP 500 to try out. i just received my first dividend and it is less than the 70% that i have expected. in SGX, gross amount is USD 12.78, TAX is USD 3.83 (i think this is the 30% withholding tax), handling fee is 0.20, amount paid is USD 5.95. so there is a missing USD 3. not sure what i am missing here.