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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
