CLEC Investment & Wealth DocsReading Map
A Reading Guide to the CLEC Treasury
This book assumes its readers are “investors with Taiwan tax residency.” If you hold U.S. tax residency (a U.S. citizen or green-card holder), the passages on Taiwan ETFs and taxation in this book may involve differing rules such as PFIC, FBAR, and FATCA, so please first consult CH19, “Retirement and Inheritance Taxation for U.S. Citizens and Green-Card Holders.” If you reside outside both Taiwan and the United States, please consult CH18, “Multi-Region Allocation for CrossBorder Residents,” and defer to the regulations of your place of residence.
One, the Three Major Blocks of the Book
| Block | Chapters | Core Task |
|---|---|---|
| Block One: Infrastructure | CH01–CH09 | See through the rules of class, cash flow, and the underlying logic of investing, and build a decision framework of “survive first, then scale up” |
| Block Two: Asset Allocation | CH10–CH20 | Join together the physics of leverage, the asset portfolio, the lines of loan defense, rebalancing, and retirement planning into a repeatable, executable system |
| Block Three: Mental Discipline | CH21–CH27 | Handle noise, volatility, relationships, and inheritance, and turn financial capability into a sustainable capability for life |
These three blocks are a reading-oriented consolidation of the table of contents’ “six parts”:
The two ways of dividing point to the same sequence of chapters; the “blocks” simply emphasize the rhythm of reading, while the “parts” emphasize thematic division.
Two, Six Reader Paths
“Path A” the investing newcomer (has never bought a stock)**
CH01 → CH02 → CH03 → CH08 → CH10 → CH11 → CH12 **
“Path B” has a foundation but wants to systematize (already doing dollar-cost averaging)**
CH06 → CH11 → CH14 → CH15 → CH16 → CH18 → CH27 **
“Path C” already retired or about to retire**
CH20 → CH15 → CH16 → CH26 → CH27 **
“Path D” close reading of the whole book (maximizing investment)**
Read CH01 through CH27 in order, then read the appendix series **
“Path E” the U.S. citizen / green-card reader**
CH19 (the chapter dedicated to retirement and inheritance taxation) → CH27 → CH20 → reinforce with the other chapters of the book as needed **
“Path F” the cross-border resident (Hong Kong / Singapore / Europe / China NRA)**
CH18 (the chapter dedicated to multi-region allocation) → CH17 (for comparison and reference) → CH27 → reinforce with the other chapters of the book as needed #
Three, an Index of Core Tools
| Tool | Chapter |
|---|---|
| Monthly-contribution calculation table | CH02 |
| The 433 allocation formula | CH11 |
| DBR 22× bank interest-rate comparison | CH14 |
| The four key parameters of the retirement calculation | CH15 |
| Supplement on U.S. tax residency | CH19 (whole chapter) |
| Multi-region allocation for cross-border residents | CH18 (whole chapter) |
| DBR 22× personal-loan calculation | CH15 |
| Bank collateral-recognition multiple comparison table (5 banks) | CH15 |
| Maintenance-ratio defense lines (safe 167% / warning 140% / margin-call and forced- liquidation 130%) | CH16 |
| Forced-liquidation calculation table (loan-to- value × decline) | CH16 |
| The engineering of the drawdown rate (2% / 3% / 4% ladder) | CH15 |
| Application conditions of the 4 major state- owned banks for reverse mortgages | CH15 |
| Three-zone operation of Beta-threshold rebalancing | Appendix 7 |
| Global stock-market returns during years of war (Ken Fisher) | CH22 |
Four, How to Use This Alongside the Course
The “video numbers” cited in each chapter can be matched directly against the CLEC channel content for review — CLEC’s original YouTube channel has been taken down; older videos are backed up by number on Odysee (@CLEC_Assets), while the latest content is now published on X (@CLEC168). Finishing a chapter and then going back to watch the corresponding video is the most efficient approach; if you only watch the videos without grounding them in the chapter checklists, it is easy to stop at understanding rather than execution.