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Cover Sharon Loi, head of the Women’s General Association’s Youth Association (Photo: Tatler Hong Kong)
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One of Macau’s foremost advocates for women, Sharon Loi, head of the Women’s General Association’s Youth Association, promotes financial empowerment and good health—reflecting HSBC Life’s commitment to supporting women

What began as a nursery caring for just eight children has evolved, over the course of 76 years, into the Women’s General Association of Macau—one of the territory’s most respected advocacy organisations. Sharon Loi, now chairwoman of the Youth Association of the Women’s General Association of Macao, describes the organisation as a spark that grew into “a beacon of light that illuminates the growth of women across Macau”.

Early on, Loi made a promise to continue “walking alongside every young woman”, while “building platforms for their growth and self-expression, ensuring that young women’s voices are heard, and that every effort and contribution is seen and affirmed”. Another promise was to “persist in serving the community with heart—serving women’s growth, meeting family needs, and contributing to the development of the Macau SAR”.

Her present focus centres on the pressures facing women in their thirties and forties, who are often tasked with multiple roles: handling work, caring for family members, and completing chores. Embracing these numerous responsibilities—which reflect HSBC Life’s drive to help individuals protect themselves and their loved ones, even as priorities evolve—becomes more important than ever. One challenge Loi has encountered is that some women are “thinking so much about their families that they forget themselves”.

“Long-term financial dependence can easily strip women of their confidence, voice and right to choose in major family decisions,” says Loi. In strained marriages, some women may “feel forced to compromise helplessly because they believe they cannot survive if they leave”.

And what exactly is financial empowerment? “It boils down to two words: having choices,” says Loi. She links this to basic financial literacy: “By keeping track of your income and expenses, avoiding unnecessary spending, and maintaining savings,” she says, “you empower yourself to make major life decisions with confidence and autonomy.” As for protection, Loi highlights the importance of having appropriate health coverage and financial planning tools as part of a broader push to make financial empowerment less abstract and more attainable. 

Another part of empowerment is health—a promise shared by partners like HSBC Life in supporting commitments to well-being: “The most common sentiment I hear is, ‘I just hope to stay healthy,’” she says, but many women miss the importance of “maintaining a high quality of life in their later years”—highlighting the importance of health management and financial planning.

“This reminds us that self-health management and financial planning must be arranged early, so we can truly enjoy our later years with ease and joy,” she says. “The simplest first step is to start by taking care of your own body—making and keeping a promise to maintain physical and mental well-being, and exercising more. Good health is the foundation of everything and the most direct, lowest-cost form of self-protection.”

Tatler Asia
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Above Sharon Loi, head of the Women’s General Association’s Youth Association (Photo: Tatler Hong Kong)
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For younger women who may also need to take on the mantle of a professional role while caring for family, Loi highlights the importance of “being strong” and “carrying on”—and, even if they don’t feel ready yet, she urges them to embrace the process. “On the path to career success, women often face more scepticism than applause,” says Loi. “Therefore, they need to anchor themselves to their goals and beliefs, facing adversity with a resilient and persevering spirit.”

By educating and mentoring young women in Macau, Loi is confident about what’s ahead—a promise shared by partners like HSBC Life in supporting women’s health and financial security. “The women of the next decade will be healthier, more independent, and have a stronger voice—which is exactly the direction we have always been striving toward,” she says.

“The most reliable protection for a young woman’s future is never dependence or waiting, but rather maintaining the capacity for lifelong learning,” says Loi. “Continuously invest in yourself and keep pace with the times. By doing so, you will possess unwavering confidence at every stage of life, continually meeting a better version of yourself.”

Tatler Hong Kong’s content director asked Sharon Loi two questions about keeping promises, and the next generation

Tara Sobti: What's the first, smallest step you'd tell a woman in this stage of life to take, if she's never thought about protecting herself before?

Sharon Loi: Start by building a habit of regular exercise and finding stress-relief methods that work for you, keeping both your energy and mood in a good state.  Following that, take some time to clarify your existing basic protections and savings. Try setting aside a fixed emergency fund every month that you do not touch casually. This ensures you can handle future critical moments with composure and ease.  

Tara Sobti: You’ve played a pivotal role supporting younger women in Macau, helping prepare them to become future leaders. From what you've seen on the ground, what personality traits or qualities does an aspiring woman leader need to succeed?

Sharon Loi: Having watched many young women grow, I believe the most crucial qualities are resilience and perseverance. First, they must dare to try and speak up. Many women are highly capable but constantly feel they aren’t ready yet. The truth is, no one is 100% ready before they start; you learn by doing. On the path to career success, women often face more skepticism than applause. Therefore, they need to anchor themselves to their goals and beliefs, facing adversity with a resilient and persevering spirit.

Tatler Asia
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Above Sharon Loi, head of the Women’s General Association’s Youth Association (Photo: Tatler Hong Kong)
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HSBC Life also asked their valued customers, as mothers, about their dreams for their daughters—and their promises shared, and supported by, HSBC Life

A Mother’s Promise of Empowerment

As a mother, what promises do you want to keep for your daughter’s future? Here’s what these mothers have to say about their deepest hopes, dreams and aspirations for their children to pursue what matters—the promises shared, and supported by, HSBC Life.

A 36-year-old mother in the F&B industry, with two sons and a 10-year-old daughter:

As a mother, my deepest wish is that when my daughter grows up, she will have the freedom to choose her own path. I don’t expect her to become some big name, but I hope that whether she is navigating her career or choosing a life partner, she will never have to compromise or settle out of sheer necessity. My promise to her is that all the hard work and planning I am doing right now are to build a solid foundation of confidence for her. I promise to be her ultimate safety net, so that no matter what setbacks she faces, or if she ever wants to take a leap of faith to chase her dreams, she will have me and her family backing her up. I want her to have the confidence to say, “I am the master of my own destiny.”


A 40-year-old mother in the education sector, with an 8-year-old daughter:

I want her to possess true “free will”. Having grown up under traditional norms, I often went with the flow, for fear of being seen as an outsider. As a result, I hope every decision she makes in the future stems from her own heart, free from the shackles of tradition or the noise of the outside world. In her career, I hope she can choose purely based on her passion and interest, never having to bow solely to the demands of making a living or chasing money.

A 38-year-old mother in the finance industry, with an 11-year-old daughter:

As for the kind of person I hope my daughter will become, I envision her having clear life goals and cultivating her own unique interests. Above all, I hope she keeps that pure, unadulterated passion for the things she loves and, as she grows, becomes someone who knows how to love herself deeply while holding a heart full of gratitude for her family. As for my expectations, as a mother, I carry no worldly burdens or rigid demands. My sole wish and promise is that she enjoys good health, lives each stage of her life free from worry, and stays her authentic, happy self.

A mother in senior management at an integrated resorts enterprise:

I hope my daughter can live freely and comfortably, without being swept along by the crowd, becoming an independent woman who is confident, grounded, and lives with dignity. I promise to be her greatest backing, ensuring she lives without worry. I expect her not to be defined by the outside world, to calmly pursue what she loves, to bravely explore life, and to truly live as herself. 

Credits

Creative Direction: Kat Yeung
Photography: Karl Lam
Photography: Lewis Lau (Director of Photography)
Videography: Kit Lau & Ethan Sien
Video Editor: Lauren So
Lighting: Hero Poon (Gaffer)
Production: Timothy Tam (Electrician)
Production: Matthew Lam (Soundman)
Styling: Lok Lam
Producer: Venus Chack
Hair: Hugo Poon
Make-Up: Evelyn Ho
Grooming: Koyi Lum (Manicurist)
Photography Assistant: Leung Yui Wai & Gary Chan
Videography: Carlos Lam & Victor Chau (Videography Assistants)
Stylist's Assistant: Bao Cheung
Accessories: Swarovski (Jewellery)
Outfit: Roger Vivier (Heels)
Accessories: Tods (Bag)
Location: HSBC Life Insurance Planning Centre, Macau