Sino-American Wealth Strategies

Sino-American Wealth Strategies is a practical guide to building, protecting, and transferring wealth across the world's two most influential financial systems: the United States and China. Drawing on research and real-world experience, Sumon Roy shows why context—not one-size-fits-all formulas—determines what actually works, and how to translate core principles across very different markets, rules, and cultures. What you'll learn: The global backdrop: why the U.S. and China matter most, key similarities and differences, and how history, demographics, and social safety nets shape financial choices. China's landscape: the 4-2-1 family structure and limited safety net; high savings rates; urbanization and middle-class growth; property dynamics (including land-use rights and typical 70-year terms); fintech opportunities and regulatory risks; trust products and gold; accessing equities via funds/ETFs and H-shares; and governance/succession for family businesses. U.S. environment: diversified age distribution and established retirement layers (government, employer, individual); optimizing 401(k)s and employer matches; public vs. private pensions; diversified portfolios, tax location, and alternatives; robo-advisors; tax-loss harvesting (and the wash-sale rule); disciplined portfolio rebalancing; REITs for real estate exposure; and evaluating business ownership, acquisitions, and franchises. Universal principles you can apply anywhere: why "security lies in layering" assets, accounts, and timelines; how to adapt strategies to local rules and culture; and how to keep plans current with regular reviews and robust insurance protection. Who it's for: globally minded investors, cross-border families, entrepreneurs operating between markets, and readers who want clear, actionable guidance without hype. The book blends systems-level explanation with concrete steps—helping you tailor investments, retirement planning, real estate, and business decisions to the terrain you actually face, whether in Shanghai or San Francisco.