文章来源：一支笔 (左手写文右手理财，工商管理学士国际关系硕士学术背景，从事金融遗嘱信托家族辨公室等服务) 有一位父亲，做了三十多年生意。 从一间小小的贸易公司开始，慢慢做到拥有自己的厂房、团队和客户。三个孩子，也都陆续回来帮忙。 老大负责业务，老二管财务，最小的女儿虽然没有正式进入公司，却一直是父亲最疼爱的孩子。

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Generational wealth is not only about leaving money behind. For many Malaysian families, wealth may include property, businesses, investments, EPF savings and other assets built over decades. Generational wealth planning Malaysia focuses on transferring these assets, responsibilities and family values from one generation to the next in an organised way.

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朋友曾经跟我说过一个故事。 一位五十多岁的企业家，做了二十多年生意。 公司经营得不错，名下有几套房产，有股票，有保险，也有一些海外投资。两个孩子都已经长大，一个在英国念书，一个刚刚进入家里的公司帮忙。 在别人眼里，他的人生已经走到一个相当安稳的位置。有事业，有家庭，也有资产。

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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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