Endowment plans are long-term savings insurance products that combine wealth accumulation and life protection. In Singapore, they are one of the most widely used tools for structured savings, helping individuals plan for education funding, retirement income, or legacy planning. These plans are regulated as life insurance products under the Monetary Authority of Singapore (MAS) and the …
Endowment plans in Singapore are regulated life insurance policies that combine structured savings with built-in financial protection. Policyholders pay premiums over a fixed term and receive a lump-sum payout at maturity, or a death benefit if the insured event occurs during the policy term. In 2026, whether an endowment plan is suitable depends on your financial …
Retirement planning is a long-term financial process that requires structure, discipline, and informed decision-making. In Singapore, individuals are encouraged to take an active role in managing their retirement resources, balancing capital preservation with income sustainability to support a comfortable and secure retirement journey, often by exploring income-focused strategies beyond traditional savings and CPF alone.A well-structured …
Traded endowment policies are generally considered a lower-volatility option for individuals seeking capital preservation, defined timelines and more predictable financial outcomes. If you are considering buying second hand endowment policies, it is important to understand what you are taking over, who issued the original policy, how ownership is transferred, which benefits are guaranteed and whether any …
To calculate the projected annual return of a traded endowment policy, you need its takeover price, remaining premiums, any interim payouts and projected maturity value. Internal Rate of Return (IRR) combines these cash flows and their timing into one annualised percentage. For investors comparing traded endowment policies in Singapore, IRR helps distinguish a policy’s projected investment …
If you are looking to sell an insurance policy in Singapore or buy a traded endowment policy, TES Capital is one of the most established names you are likely to encounter. TES Capital Investments Pte Ltd operates on both sides of Singapore’s secondary insurance-policy market. TES helps policyholders evaluate and sell eligible endowment, life and investment-linked …
A fixed deposit in Singapore is often the first choice for investors seeking capital protection and predictable returns. Banks regularly promote competitive Singapore FD rates, making fixed deposits appear safe and straightforward. However, when inflation rises or bank FD rates fall, many investors start comparing alternatives that can deliver higher returns without taking equity-level risks. One …
Planning for retirement in Singapore often starts with one important question. How can I turn my savings into steady income when I stop working? This is why many Singaporeans search for singapore annuity plans. Annuities are designed to provide regular payouts during retirement, either for life or for a fixed period. They can help create income certainty, especially when used …
Looking for a single premium endowment plan in Singapore? Before buying a brand new plan from an insurer, it is worth comparing it with a traded single premium endowment plan from TES. TES gives Singaporeans access to existing endowment policies that offer predictable compounded outcomes, low volatility relative to market-traded assets, and flexible tenures suited to different investment horizons. …
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! 🥰🤩
A friendly, well knowledgeable and professional consultant who teaches you and able to assist you on the queries which u are facing.
