不久前跟一位成功的商人吃饭时聊到认知， 都觉得普遍上我国人民的认知水平低，所以才 会有很多人被骗。 低认知的人就像是一个在迷宫内，不停地去 碰运气，想要突破迷宫的困局；而高认知的人 能迅速看清迷宫的本质和特点，他会直接去思 考迷宫的构成。

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The word “trust” often sounds like something reserved for billionaires or royalty. But times have changed. At HWG, we help ordinary families use trusts as a practical tool to protect wealth, care for loved ones, and ensure a smoother inheritance process.

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When it comes to financial planning, most people focus on growing wealth — but few talk about what happens when life ends. At HWG, we believe that preparing for the inevitable is just as important as chasing financial goals. A well-prepared will is one of the most important documents you can have — yet far too many Malaysians neglect it.

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Today, we proudly celebrate the 10th anniversary of HWGroup! This milestone is a testament to the dedication, passion, and unwavering commitment of our co-founders, HWG teams, and valued partners who have been part of this incredible journey.

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