Financial literacy is the ability to understand money and make informed decisions about spending, saving, borrowing, investing and preparing for the future. It provides the knowledge needed to manage everyday finances while understanding how today’s decisions may affect longer-term goals.

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For many Malaysians, financial pressure does not come from a single source. It builds through higher grocery bills, housing loans, car repayments, medical costs, school fees, parental support, and the concern that retirement savings will be enough.

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Trusts come in many forms, far beyond the commonly known “Cash Trust” and “Insurance Trust”. They also include “Property Trusts”, “Private Trusts” and “Family Trusts”. Many people tend to confuse a “Family Office” with a “Family Trust”, but there is a clear distinction between the two.

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真正的资产规划，是在人还清醒的时候，把未来安排好 打开手机银行，你知道自己有多少钱。 哪一个户口有存款，哪一间银行有定期，保险买了多少，房子还有没有贷款，股票、基金、公司股份放在哪里，你可能都一清二楚。

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