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About TES

At TES, we're proud to be a leader in Singapore's traded endowment industry, and we're grateful to have the happiest Traded Endowment team in Singapore.

We're genuinely delighted to serve our clients every single day!

Read on to learn about our leadership, our team, our company and regulatory information.

Our Leadership

Chan Wan Hong

Executive Director, TES Capital Investments Pte Ltd

After more than 2 decades as an auditor, investment banker and CFO, I find great joy in assessing financial instruments for sophisticated investors. I believe that wealth can be multiplied by investing wisely, managing risk and working with trusted partners.

Wan Hong is a Chartered Financial Analyst (CFA®), an alumni of Columbia Business School and Lincoln University and previously a Certified Practising Accountant (CPA). He has more than 20 years of experience in the finance industry including 10 years as an investment banker in top global investment banks where he specialised in Corporate Finance, as well as 10 years as the Chief Financial Officer (CFO) of a large Indonesian conglomerate.


Shawn Moh

Chief Operating Officer, TES Capital Investments Pte Ltd

With more than 20 years as an investor in Singapore, I still continue to find my greatest joy in unearthing investment gems and sharing uncommon opportunities with fellow investors from all walks of life.

Shawn spent 10 years in global multinationals before applying his expertise to financial engineering and private investments. He applies his wealth of experience to help investors find superior returns and meet their retirement goals.


Our Management

Angela Bok TES Capital
Angela Bok

Head of Sales

After years of experience in the financial services industry, I've found my greatest joy in TES sharing the wonderful opportunities in traded endowments with investors!

Melody Tow TES Capital
Melody Tow

Head of Operations

I love helping others and seeing the happiness when both parties have a smooth transfer of their endowment policies makes my work truly meaningful!


Our Company

TES is Singapore's #1 specialist in Traded Endowment Policies, respected for honesty, professionalism and transparency. Our team has over 50 years of combined experience in the financial industry and we're proud to have the happiest Traded Endowment team in Singapore!

Our years of hands-on investment management and financial advisory have confirmed that traded endowments are one of today's most attractive investments options for portfolio diversification in Singapore. That's why we've chosen to be 100% focused on Traded Endowment investments in Singapore!

Our pool of Grade A traded endowment and life insurance policies are procured from individual policy holders who do not wish to continue with their policies. Depending on the remaining tenure of the policy you purchase, you can look forward to healthy 7% annualised returns!

When you buy over one of these policies, you're investing in policies which are free from front-loaded distribution costs (i.e., agency fees). You will receive a full cash pay-out from the insurer once the policy matures or the insured person passes away.

Come meet our happy team and find out for yourself why astute, knowledgeable and wise Singaporeans trust us and choose TES Singapore as their preferred professional intermediary for traded endowment plans in Singapore!


Regulatory Information For Traded Endowment Products in Singapore

Traded endowment and life insurance policies are a financial product from third party issuers that are sold by TES to buyers in Singapore, hence the term 'traded'.

The Monetary Authority of Singapore (MAS) acknowledges the existence of Traded Life Policies (TLP) and Traded Endowment Policies (TEP) as investments and states that it does not regulate the activity of trading in such products. No special license is required by distributors of Traded Endowments.

As such, TES Capital Investments Pte Ltd and its representatives uphold the highest standards of professional conduct and have become a trusted intermediary for traded endowment products in Singapore.


"God willing, my son should be entering to university in seven years time and I could not find a insurance savings with short expiry. It's lucky I found about TES from my boss, after I spoke to Mr Shawn I felt comfortable as he was very patient and gave me some good advice. Now I have bought a 7 years endowment plan for my son.

I do recommend this for those who find buying new policies restrictive and inflexible, and I have only good things to say about TES. It was not just a pleasure but a joy to be helped by Shawn."

Sharifah Azlan, 41

Very Friendly and Not Pushy At All

Very friendly without compromising on professionalism. Would try to make suggestions as per your financial requirements/plans. Not pushy at all, would not hard sell his products - a very valuable feature.

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Dr Anil Gopinath

Thank you Shawn for making my investment dream a reality. I am very happy.

Shawn has been very helpful and even go to trouble of calculating, checking and presenting whether a policy is worthwhile investing. He is also patient and understands my needs. I even recommended my sister and with Shawn's help managed to get myself and my sister a policy that suits our needs. My sister and myself wanted a product by a financially stable company so that we can grow our investment more than 4% given by Retirement Account. Shawn made the entire process as easy as just being the best part of a celebrity (just need to sign a lot), while also helping to ensure policies are assigned asap. Thank you Shawn for making my investment dream a reality. I am very happy with the policies chosen for myself and my sister and I'll be back! 🥰🤩

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Beth Leong

TES was featured on Channel News Asia (CNA) and Channel 5 in September 2020 for demonstrating active support in our Singaporean community during the COVID pandemic.

Traded Endowments Channel 5 Singapore

Channel 5

TES Singapore featured on Channel News Asia

Channel News Asia

TES Singapore featured on Yahoo! Finance

Yahoo! Finance

There are currently no MAS administered regulations which govern the sale, purchase and distribution of Traded Endowment Policies and Traded Whole Life Policies. TES Capital Investments Pte Ltd is therefore not required to be licensed, approved, registered or otherwise regulated by the Monetary Authority of Singapore or any other applicable regulator in Singapore. Our company does not hold itself out as being licensed, approved, registered or otherwise regulated in respect to any of our activities. This advertisement has not been reviewed by the Monetary Authority of Singapore.