Are you planning for


and ready to build lifetime


for your golden years?

Many Singaporeans are enjoying passive income from retirement savings with TES.

You can too!

Same income as I had in my 40s!

I'm retiring in a few years' time and my CPF savings are sufficient should cover my basic needs, but I don't think I'll be satisfied with that. After so many years of working I'm looking forward to maintaining my current lifestyle. I still want to drive, go for holidays and eat out whenever I wish to.

With the ladder strategy from TES, I'll enjoy the same income during retirement as I had in my 40s, which is quite a lot for a retiree. Quite happy with that. And I'm glad that there won't be any fluctuation like some of those investment schemes that others are investing in. Those are too risky for me!

Goh Kim Seng, Singaporean, 59

Extra Cashflow From Retirement 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 generate lifetime of passive income for retirement?

Traded Endowments - Your Income-Generating Retirement Savings Plan

Proven, safe and easy savings for aspiring retirees


Traded Endowments are preferred by hardworking retirees to generate cashflows during their golden years.

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 for lifetime passive cashflow during retirement?

Get ready to truly enjoy your golden years!

Get your FREE personalised guide

Retirement Savings with Traded Endowments

Start a retirement savings plan and enjoy a lifetime of passive income!

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.