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研究显示,大约在七岁至十四岁(各国小孩的成长阶段有别)这一阶段是培养小孩对金钱认知、储蓄习惯和消费决策能力的黄金时期。通过系统化的财商教育,能够显著提升儿童的金融素养,为其未来财务健康奠定坚实基础。
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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。
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.
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.
RM 45 - RM 200
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RM 30 - RM 100
RM 30.00 – RM 100.00
RM 15.00
RM 38.00