Looking for Singapore Fixed Deposits but want better returns?

There's a lesser-known but more attractive alternative - used by many astute, knowledgeable and wise Singaporeans.

The Alternative to Fixed Deposits in Singapore:

  • Originates from large, trusted Singapore companies governed by the Monetary Authority of Singapore
  • Provides flexible investment tenures
  • Low-risk with returns of 3-5% compounded yearly

If you're considering Fixed Deposits in Singapore, this is an alternative used by many savvy Singapore investors that's proven to be low-risk, moderate-return, and easy to access.

Proud to be Singaporean

TES was featured on Channel News Asia (CNA) and Channel 5 in September 2020 for our active support for Singaporeans during COVID-19. We're committed to you, Singapore!

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

The Astute Singaporean's Secret:

Buy TRADED ENDOWMENT Policies in Singapore

Traded endowment policies, also known as second hand endowments, are procured by TES from the original policy owner when they desire to surrender their policy. After carefully ensuring that the policies are free from any encumbrance, TES makes these endowment policies available for take over by sophisticated buyers.

Traded endowments are gaining popularity as a low-risk and easily-accessible option for portfolio diversification and long term wealth protection, and provide an alternative to traditional investments in bonds, stocks and fixed deposits.

Why Traded Endowments in Singapore?

  1. 1
    Buying traded endowment policies instead of purchasing a new insurance policy has been used by sophisticated investors to preserve wealth for many years.
  2. 2
    The life and endowment policies you buy over are underwritten by leading Singapore insurance companies which are governed by the Monetary Authority of Singapore
  3. 3
    Buying traded endowments requires no active monitoring of market movements, no technical analysis and no advanced financial knowledge. There are also no entry requirements for buyers.

Wonderful Opportunity - Can't Thank You Enough!

"When I first came across traded endowments, I was quite curious as to see if it was really an alternative to fixed deposits.

After spending many hours studying the materials from TES and the MAS website, as well as speaking to officers from AIA and Prudential, I felt confident to proceed with a small traded endowment investment with a very short tenure (6 months to maturity).

I've just received the full payout from the insurer and in less than one year the returns are much higher than expected and with such low risk! Just writing in to say, thanks Shawn and team for the opportunity, as you can see I've taken up another 5 resale policies from you."

Thank you so much for sharing this wonderful opportunity, I can't thank you enough. God bless!

Mdm Wang Ping-En
Singaporean, 55

Here's Why Wise Singaporeans Love Traded Endowments

No health check or questionnaire

No maximum age limit

Highly levels of compliance

Hassle-free process

Excellent capital preservation

Tax-free returns

Higher returns than buying new policy

Shorter time to maturity

Do You Care For Extra Passive Income?

“Delighted to get the extra returns and several thousand dollars of extra 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 Hui-En
- Singaporean, 46

How Do Traded Endowments Work in Singapore?

Buy Traded Endowment Policies in Singapore

Are You Planning for Your Children's Education?

“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 Shawn."

Sharifah Azlan
- Singaporean, 41

Traded Endowments are the most compelling alternative to Fixed Deposit investments in Singapore!

Frequently Asked Questions

What are traded endowment policies?

Where to buy traded endowment policies in Singapore?

Who is TES?

How do you acquire the policies you have on hand?

How will a policy I buy be transferred to me?

What is an Absolute Assignment?

How to do an Absolute Assignment in Singapore?

Can I transfer the policy to another party in future?

How will I pay for the policy I’m taking over?

What if there are policy nominations or beneficiaries?

How about the death benefits of the policy?

What happens when the policy matures?

What happens if I pass away?

Are you licensed by MAS?

What Does The Monetary Authority of Singapore State about Traded Endowments?

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

Trusted by Knowledgeable Investors 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 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
Shawn Moh

Chief Operating Officer, TES Capital Investments Pte Ltd

Our Leadership

Hi I'm Shawn, and I've spent more than 20 years as an investor in Singapore. I find my greatest joy in sharing genuine opportunities with my friends and fellow investors.

Today, my team and I at TES find true fulfillment in helping Singaporeans meet their retirement goals and find superior returns for their hard-earned money. 

Send me a WhatsApp message and I'll help you with transparency and honesty, which is the only way it should be!

About TES Capital Investments Pte Ltd

TES is Singapore's #1 specialist in Traded Endowment Policies, respected for honesty, professionalism and transparency. Although we're a young company, our team has over 40 years of experience in the financial industry. 

We offer a pool of Grade A traded endowment and life insurance policies which are procured from individual policy holders who do not wish to continue with their policies.

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.

Depending on the remaining tenure of the policy you purchase, annualised returns are a healthy 3-5% per year.

Come speak to us and find out for yourself why savvy investors in Singapore trust us and choose TES!

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.