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.
Higher Yield & lower RISK with Traded Endowments in Singapore
Predictable Returns.
LOW Volatility.
Flexible Tenure.
If you're looking for higher returns while reducing portfolio risk, consider Traded Endowment Plans from TES.
Traded endowments are resale (“second-hand”) endowment and life insurance policies that are sold before maturity, creating opportunities for new buyers in Singapore.
Offering compounded returns of up to 5% over flexible tenures, Traded Endowment Plans are insulated from the daily price movements of stocks, bonds, REITs, foreign exchange and other market-driven assets.
Many Singaporeans use Traded Endowment Policies to diversify their portfolios and build predictable passive income anchored by defined maturity values.
Why SINGAPOREANS Choose Traded Endowments
Predictable Returns
Traded endowments provide clearly defined maturity payout projections, underwritten by blue-chip issuers in Singapore.
Low Volatility
Traded endowments do not fluctuate daily like stocks, bonds or REITs, making them suitable for Singaporeans seeking predictable returns and portfolio diversification.
Flexible Tenure
Traded Endowments offer investors a range of maturities to suit financial objectives, whether preparing for retirement or building structured passive income.
SIMPLE TRANSACTION
Traded endowments are resale policies that require no medical underwriting and no complex approval process. Ownership transfer is transparent and straightforward.
Wonderful Opportunity - Can't Thank You Enough!
When I first came across TES, 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, I felt confident to proceed with a small investment with a short tenure (6 months to maturity).
I've just received the full payout 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 plans 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
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
How Traded Endowments Strengthen a Diversified Portfolio
When building a diversified investment portfolio in Singapore, investors commonly allocate across a mix of instruments such as:
Stocks and
Dividend Shares
Singapore
REITs
Unit Trusts
and ETFs
Corporate
Bonds
Singapore Savings
Bonds (SSB)
Treasury Bills
(T-bills)
Fixed
Deposits
Traded Endowment
Plans
These instruments serve different purposes for investors — growth, income or capital preservation.
Unlike market-priced investments, Traded Endowments have defined contractual maturity values rather than daily market prices. Traded endowments fit into a truly diversified portfolio, providing predictable compounded returns, low volatility compared to market-traded assets, and flexible maturity tenures to suit different investment timelines.
For investors who already hold equities, REITs or bonds, traded endowments provide stability within a diversified portfolio while maintaining disciplined return expectations.
WHO are Traded Endowments SUITABLE FOR?
Traded endowments are highly suited for those who prioritise the following:
Prefer predictable returns over variable market outcomes
Seek lower volatility exposure within their portfolio
Keen on building structured passive income
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.