HWG Holistic Wealth Group

HWG Holistic Wealth Group HWG is leading the transformation of the wealth management landscape in Malaysia and beyond.

💸 Have you ever made a financial decision that you later regretted?Many poor financial decisions don't happen because we...
07/08/2026

💸 Have you ever made a financial decision that you later regretted?

Many poor financial decisions don't happen because we lack knowledge—they happen because of emotions, habits, or impulse.

The good news? It's never too late to regain control of your finances and start making smarter financial choices.

📖 Read our latest article to discover:
✅ Common financial mistakes people make
✅ Why these mistakes happen
✅ Practical steps to regain financial control

💸 你是否曾经做过让自己后悔的财务决定?

许多错误的财务决定,并不是因为缺乏知识,而是受到情绪、习惯或一时冲动的影响。

好消息是,现在开始调整也不迟。只要采取正确的方法,你依然可以重新掌握自己的财务状况,迈向更稳健的未来。

📖 阅读我们的最新文章,了解:
✅ 常见的财务决策错误
✅ 为什么会做出这些决定
✅ 如何一步步重新掌控自己的财务

👉 点击下方链接阅读全文 Click the link below to read the full article:
https://www.hwg.asia/poor-financial-decision-regain-control-finances/


Learn how to review debt, check CCRIS, rebuild savings, and regain control after a poor financial decision in Malaysia.

One Day, We'll All Leave Something Behind.The passing of Hong Kong screen legend Patrick Tse is a reminder that while ev...
23/07/2026

One Day, We'll All Leave Something Behind.

The passing of Hong Kong screen legend Patrick Tse is a reminder that while every life has an ending, every legacy continues.

According to media reports, Patrick Tse had reportedly arranged his estate during his lifetime, with around 90% of his wealth reportedly placed into a trust for the benefit of his grandsons, under the care of appointed trustees. These reported arrangements, however, have not been officially confirmed by his family.

Regardless of the final details, it raises an important question.

-- Have you planned what happens to your wealth after you're gone?

Many people believe writing a Will is enough. A Will tells people who should receive your assets.

But what happens after that?

Who protects young beneficiaries?

Who ensures your wishes are carried out?

Who manages the assets until the right time?

That's where a Trust can make all the difference.

For families with businesses, investment properties, growing wealth, or long-term succession goals, a Family Trust can help ensure your wealth is not only passed on—but protected, managed, and preserved for the people you care about most.

Because true Legacy Planning isn't measured by how much wealth you leave behind.

It's measured by whether your loved ones receive it the way you intended.

At HWG, we believe wealth is more than what you build. It's what you leave behind.

Every family is different.

Your assets. | Your family. | Your goals. | Your legacy.

That's why there's no one-size-fits-all solution.

Whether it's a Will, a Trust, or a Family Trust, the right plan today can give your family clarity, protection, and peace of mind tomorrow.

Speak with your HWG Partner to explore a legacy planning solution that's tailored for you and your family.

📰 Media Source: 8days (Mediacorp Singapore)
https://www.8days.sg/entertainment/asian/rumours-claim-late-patrick-tse-left-90-estate-two-grandsons-funds-managed-ex-daughter-law-cecilia-cheung-860946

Disclaimer: This post is intended for educational purposes only. References to Patrick Tse's reported estate planning are based on media reports. The reported estate arrangements have not been officially confirmed by Patrick Tse's family.

Rumours claim the veteran actor, who passed away on Jul 16, is said to have left 90% of his estate to his two grandsons

传奇会落幕,但传承可以延续。香港资深演员 谢贤 的离世,让许多人缅怀他在影坛留下的经典作品。与此同时,根据媒体报道,谢贤生前据报已完成遗产规划,约 90% 的资产将透过 信托机制 作出安排,以惠及两名孙子,并由受托人按照其意愿管理资产。不过...
23/07/2026

传奇会落幕,但传承可以延续。

香港资深演员 谢贤 的离世,让许多人缅怀他在影坛留下的经典作品。

与此同时,根据媒体报道,谢贤生前据报已完成遗产规划,约 90% 的资产将透过 信托机制 作出安排,以惠及两名孙子,并由受托人按照其意愿管理资产。不过,截至目前,相关遗产安排及细节仍未获得家属正式证实。

无论报道最终细节为何,这都让我们重新思考一个重要课题:

-- 财富传承,真的只是立一份遗嘱,就足够了吗?

遗嘱 (Will) 可以清楚表达资产由谁继承。但如果希望财富能够按照自己的意愿持续管理、照顾受益人,并降低未来可能出现的争议

信托 (Trust) 便能发挥更重要的作用。

对于拥有企业、房产、投资,或希望为下一代做好长远安排的家庭而言,家族信托 (Family Trust) 更是一项值得深入了解的传承规划工具,让财富不仅能够顺利传承,更能够持续受到管理与守护。

真正的传承规划,不是单纯把财富留给下一代,而是把您的财富、意愿与责任,一并传承下去。

因为真正重要的,不是留下多少财富,而是确保财富能够按照您的意愿,被妥善管理,并持续守护您所爱的人。

在 HWG,我们相信 真正的财富管理,不止于创造财富,更在于守护财富、规划传承,让爱与责任延续到下一代。

每个家庭的资产状况、家庭结构及传承目标都不尽相同,因此,没有一种规划适合所有人。透过合适的遗嘱、信托或家族信托安排,才能让财富真正成为留给家人的祝福,而不是未来的负担。

如果您也开始思考自己的财富与传承规划,不妨与我们的 HWG 伙伴交流,一起了解适合自己及家人的传承规划方案。

📰 新闻来源(媒体报道)-- 东方日报:
https://www.orientaldaily.com.my/news/entertainment/2026/07/20/834559

免责声明:本文仅作为财富传承教育分享,文中有关谢贤遗产安排均引述媒体报道,相关内容截至目前尚未获得谢贤家属正式证实。

#传承规划 #财富传承 #遗产规划 #遗嘱 #信托 #家族信托 #财富管理

(香港20日讯)香港影坛传奇“四哥”谢贤于20日与世长辞,享寿89岁。外界也相当关注他的遗产规划,早在去年港媒就曾报导,谢贤在中风后已预立遗嘱,将名下约1亿港币(约5218万令吉)资产完成分配,其中高达9成留给两名孙...

06/07/2026

✨ Throwback to an unforgettable milestone.

Last week's HWG New HQ Opening Ceremony marked the beginning of an exciting new chapter—one built on growth, innovation, and our commitment to creating greater value for our advisors, partners, and clients.

The celebration became even more meaningful with the launch of our Co-Founder, Dato' Chua's latest book, "Transform or Out", inspiring us to embrace change and keep moving forward.

A heartfelt thank you to everyone who celebrated this special day with us. Here's to new beginnings, continuous transformation, and many more milestones ahead. 🚀

🚨 银发经济,并不是老人的事。🚨 如果人生可以活到100岁,你今天的规划还够吗?日本作为全球最早迈入超高龄社会的国家,正在面对退休、财富与生活方式的巨大转变,也为我们带来重要启示。📖 从40岁开始,重新思考长寿时代的财务与人生规划,可能比你...
03/07/2026

🚨 银发经济,并不是老人的事。🚨

如果人生可以活到100岁,你今天的规划还够吗?

日本作为全球最早迈入超高龄社会的国家,正在面对退休、财富与生活方式的巨大转变,也为我们带来重要启示。

📖 从40岁开始,重新思考长寿时代的财务与人生规划,可能比你想象中更重要。

👉 点击阅读完整文章:
https://www.hwg.asia/sliver-economu-isnt-just-an-old-person-issue/

#银发经济 #财富规划 #退休规划

书名:银发经济学 - 老龄时代的商业机会 大前研一 著 “长寿经济”(Senior Economy)是近年逐渐成形的新概念,它并不等同于传统意义上的“老龄化经济”。在科技进步、医疗改善与社会结构转变的推动下,人类的平均寿命持续....

一个70岁的企业家,事业成功、资产丰厚、孩子都已成家。但有一个很少人敢面对的问题是:他还活着,一切都“很正常”;但如果明天不在了,这个家还会正常吗?孩子在公司工作,却没有真正的决策权。资产全部在父亲名下。没有遗嘱、没有接班安排、没有清晰分配...
12/06/2026

一个70岁的企业家,事业成功、资产丰厚、孩子都已成家。

但有一个很少人敢面对的问题是:

他还活着,一切都“很正常”;
但如果明天不在了,这个家还会正常吗?

孩子在公司工作,却没有真正的决策权。
资产全部在父亲名下。
没有遗嘱、没有接班安排、没有清晰分配。

表面上是“家庭和睦”,
本质上是——所有人都在等一个从来没有被说出口的风险发生。

更现实的是:
很多家庭不是输在赚钱能力,
而是输在“太相信不会出事”。

争议点来了:
👉 你觉得财富应该“完全由父母控制到最后一刻”,
还是“应该在生前就分清楚、交接清楚”?

点击看完整故事 https://www.hwg.asia/client-testimonial-3/

#家族财富 #财富传承

文章来源:一支筆 (左手寫文右手理財,工商管理學士國际關係碩士學术背景,從事金融遗嘱信託家族辨公室等服務) 当父亲把一切都握在手里时 70岁的张老先生坐在办公室里,看着墙上那张已经泛黄的全家福。 照片里,四个孩....

💰 为什么有些人越努力,财富却始终停留在原地?真正的关键,也许不是“赚更多”,而是先建立让财富靠近你的条件。很多人以为“有钱”只是收入高,但其实,财富背后往往藏着:✔️ 思维模式✔️ 财务习惯✔️ 风险意识✔️ 长期规划能力当条件对了,机会...
22/05/2026

💰 为什么有些人越努力,财富却始终停留在原地?
真正的关键,也许不是“赚更多”,而是先建立让财富靠近你的条件。

很多人以为“有钱”只是收入高,
但其实,财富背后往往藏着:
✔️ 思维模式
✔️ 财务习惯
✔️ 风险意识
✔️ 长期规划能力

当条件对了,机会自然会出现;
当基础稳了,财富才能真正累积。📈

如果你也想知道:
到底该如何一步一步打造属于自己的“富人条件”,
这篇文章值得你花几分钟看看 👇

https://www.hwg.asia/how-to-create-conditions-to-become-wealthy/

#财富管理 #财务规划 #理财思维 #财富自由 #个人成长 #理财知识

真正的富人,从来不是靠运气和巧合积累财富的,而是通过正确的思维方式、投资于自己的成长,以及有意识地为财富创造条件。 先付钱给自己 当你的薪水入帐时, 第一件事是将30%~40%存起来,强迫自己靠剩下的钱生活。这不.....

💭 你以为退休是“以后”的事,其实很多人的退休生活,早在今天的选择里就已经决定了。在马来西亚,很多人把退休储蓄完全交给 EPF,但现实是——单靠一种方式,真的足够吗? 🤔除了 EPF,PRS、Unit Trust、Trust 其实都可能成为...
08/05/2026

💭 你以为退休是“以后”的事,
其实很多人的退休生活,早在今天的选择里就已经决定了。

在马来西亚,很多人把退休储蓄完全交给 EPF,
但现实是——单靠一种方式,真的足够吗? 🤔

除了 EPF,PRS、Unit Trust、Trust 其实都可能成为你退休规划的一部分。
重点不是“哪一个最好”,
而是:你有没有建立一个适合自己的退休组合。

📌 退休规划,不只是存钱
更是让未来的自己,拥有选择权。

✔️ EPF、PRS、Trust 有什么差别?
✔️ 哪一种适合高收入 / 自雇 / 年轻人?
✔️ RM390k、RM650k、RM1.3mil 的退休目标代表什么?
✔️ 为什么越早开始,压力越小?

如果你也曾想过:
“我以后退休的钱,真的够吗?”

这篇文章,值得你花几分钟了解。 👇

https://www.hwg.asia/retirement-savings-options-malaysia/

#退休规划

Compare EPF, PRS, and trusts in Malaysia—how they work, access rules, planning benchmarks, and practical next steps. Educational content, not advice.

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