TES Capital is led by seasoned financial professionals with over 50 years of combined experience across corporate finance, investment banking and financial operations. By applying institutional-level discipline and rigorous due diligence to meet the needs of Singaporean savers and investors, TES has become recognised a leader in the Traded Endowment industry, and is respected for consistently serving with honesty and integrity.
EDUCATION SAVINGS WITH HIGHER RETURNS from TRADED ENDOWMENTS IN Singapore
Concerned
about rising education costs?
STARTING LATE
with university savings?
Haven't SAVED ENOUGH
for children's higher education?
Traded Endowments offer Singapore parents a higher-yield, lower-risk way to build a university education fund with predictable maturity values, flexible terms and compounded returns of up to 5%.
Why Singapore Parents Choose Traded Endowments for Education Savings
Traded Endowments help accelerate your education savings with higher-returns, predictable payouts and lower volatility
Predictable Returns
Traded endowments provide clearly defined maturity dates and predictable payouts, with all policies underwritten by blue-chip issuers in Singapore.
Low Volatility
Traded endowments provide higher returns than fixed deposits or savings accounts, but do not fluctuate daily like stocks, bonds or REITs.
Flexible Tenure
Traded Endowments provide a range of flexible maturities to choose from, allowing parents to align policy payouts with university education requirements.
SIMPLE TRANSACTION
Traded endowments are resale policies that require no medical underwriting and no complex approval process. Ownership transfer is transparent and straightforward.
Perfect for my son's university in SEVEN years!
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
University fees continue to rise
- The cost of university education remains one of the largest financial commitments many parents will face.
- In Singapore, a university degree can cost from around $35,000 for subsidised local programmes to well over $175,000 for premium courses, before accommodation, overseas exchange programmes and living expenses are taken into account.
- Families considering an overseas education may spend $300,000 to $500,000 or more per child, depending on the country, university and duration of study.
- As university costs continue to increase over the long term, building an education savings plan early can help preserve your purchasing power and reduce future financial pressure.
Sources: Singapore autonomous universities' published tuition fees and Education Data Initiative (updated 2025).
How Traded Endowments Work in Singapore
ORIGINAL POLICY OWNER
Step 1: Purchase new policy from insurer
Step 2: Pay policy premiums to insurer
Step 3: Sell policy to TES instead of surrendering to insurer
NEW POLICY OWNER
Step 4: Take over policy from TES
Step 5: Pay policy premiums to insurer
Step 6: Receive payout upon policy maturity
ISSUED by Blue-Chip Insurers REGULATED by MAS
All our Traded Endowment policies are issued by established financial institutions in Singapore
Singapore Issuers
Traded Endowments are issued by established blue-chip insurance companies operating in Singapore and regulated by the Monetary Authority of Singapore (MAS).
Contract defined
These are contractual policies with defined maturity values. Projected payouts are structured transparently around clearly defined policy terms and conditions.
rigorously curated
TES performs rigorous due diligence and curates investment-grade endowment and life insurance plans issued by leading insurers in Singapore.
Underwritten by major insurers including Prudential, Great Eastern, NTUC Income, Manulife, AIA, SingLife (Aviva), HSBC Life (formerly AXA), Etiqa, Tokio Marine, and other established institutions operating in Singapore.
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
Why Traded Endowments Are Ideal For University Savings
A proven, straightforward way for Singapore parents to build a university education fund
Proven
Many Singapore parents choose traded endowments to help fund future university education costs.
Saving is simple. You purchase an existing endowment policy from its current owner before maturity through a legal transfer of ownership.
Safe
Traded Endowment policies are issued by established life insurers regulated by the Monetary Authority of Singapore.
Transfers are legal. Once the transfer is completed, you become the legal owner and beneficiary of the policy that you've purchased.
Easy
Traded Endowments require no active trading or day-to-day market monitoring, making them suitable for long-term education savings.
Returns are predictable. The maturity value is known upfront, allowing you to plan more confidently for future university expenses.
Simple, predictable and designed for long-term education savings.
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
Singapore's leading specialist in Traded Endowments
Serving clients with honesty, professionalism and heartfelt sincerity
2,000+
clients served
4,000+
policies transacted
$100+ million
investment value
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CONFIDENTIAL INFORMATION REQUEST
Your personal information is stored and handled in compliance with Singapore's PDPA.
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.