Are you


with university savings?

Have you


for your child's

higher education?

Many Singaporeans are catching up on education savings with TES.

You can too!

Perfect for my son's university in 7 years time!

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 TES.

Sharifah Azlan, Singaporean, 41

Education Savings With TES

  • Annualised returns up to 7%
  • Predictable income with no volatility concerns
  • Excellent capital preservation
  • Flexible maturity terms
  • Lower cost than new policies
  • Blue chip issuers governed by MAS in Singapore
  • No active monitoring or technical knowledge required
  • High levels of compliance and transparency
  • No health checks or maximum age limit
  • Tax-free returns with no residency restrictions

Isn't that a great way to make up for lost time and save enough for your child's education?

University fees continue to skyrocket

Over the past decade, the cost of university tuition fees have risen by 4.63% every year*!

In Singapore, university tuition fees now cost $35,000 to $175,000 as of 2023. However this doesn't include any other costs so we have to factor those in. An overseas degree is far more costly, up to $480,000 per child including living expenses!

And since fee inflation shows no signs of moderating, university is just going to get more and more expensive! To stay ahead of university fee inflation, your education savings must provide returns of more than 5% per year.

* (Source:, 2022)

Traded Endowments - A Great Way To Save For University

Proven, safe and easy savings for diligent parents


Traded Endowments are preferred by concerned parents as savings plans for the rising costs of higher education. 

Saving is simple. You buy over an endowment plan that the original policy owner surrenders before maturity. 


Traded Endowments are plans from blue-chip institutions governed the Monetary Authority of Singapore.

Transfers are legal. You become the new owner and beneficiary of the traded endowment policies that you purchase.


Traded Endowments are open to all investors and require no market monitoring or active trading. 

Returns are predictable. Your profits accrue until the policy matures or you choose to sell the plan to another person.

Traded Endowments are proven, safe and easy!

All paperwork was done officially... I felt confident!

Thanks a lot for sharing this opportunity. I've been a bond investor for many years and a firm believer in risk avoidance. To be honest I have never heard of this company but after carefully checking out the reputation of TES I felt confident to look at the policies they had available at the time (Sep 2019).

I have been holding bonds of financial institutions and after research I realised that buying traded endowment policies is actually slightly safer, as the policies themselves are guaranteed by the insurers. So I took over two traded endowment policies and one life policy from TES. All paperwork was done officially with the insurance company and I'm really happy to have found this good alternative to add to my bond portfolio.

Frederick Sim, Singapore PR, 58
TES Capital Investments Singapore - Traded Endowments

TES Is Singapore's #1 Traded Endowment Specialist

Serving clients with honesty, professionalism and heartfelt sincerity


clients served


plans transacted

$50+ million

investment value

Chan Wan Hong TES Capital
Chan Wan Hong

Executive Director

"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 from TES Capital Investments Pte Ltd
Shawn Moh

Chief Operating Officer

"After 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 over a decade 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.

TES Capital Investments Singapore - Traded Endowments

TES Featured in Singapore Media

TES has been featured on Singapore media such as Channel NewsAsia (CNA), Channel 5, Seedly, and other media platforms for our contributions to the financial wellbeing of everyday Singaporeans.

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

Several thousand dollars of passive income!

I was doing research on Singapore savings bonds when I stumbled on traded endowments. After speaking to Shawn I felt confident to purchase 3 of these traded endowment policies as he carefully helped me select policies suitable for my needs. I'm delighted to get the extra percentage returns which amounts to several thousand dollars of extra passive income each year. Highly recommended!

Rebecca Lim, Singaporean, 46

Ready to save enough and in-time for Higher Education? 

It's never too late to get started

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Education Savings with Traded Endowments

Start a university savings plan and make up for lost time today!

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.