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.
RETIREMENT SAVINGS WITH PREDICTABLE RETURNS FROM TRADED ENDOWMENTS IN SINGAPORE
PLANNING for retirement
in the near future?
looking for security
as you set aside for your golden years?
BUILDING SAVINGS
to supplement CPF and SRS payouts?
Traded Endowments offer Singaporeans planning for retirement a predictable, lower-volatility way to build additional retirement savings, with flexible maturity periods and compounded returns of up to 5%.
Why SingaporeANS Choose Traded Endowments for Retirement Savings
Build predictable retirement cashflow for the years ahead, without having to monitor markets every day.
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
Choose from policies with different remaining tenures and align their maturity dates with different stages of your retirement.
SIMPLE TRANSACTION
Traded endowments are resale policies that require no medical underwriting and no complex approval process. Ownership transfer is transparent and straightforward.
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
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 RETIREMENT Savings
A proven, straightforward way for Singaporeans to build a retirement fund
Proven
Many Singaporeans choose traded endowments to help fund the growing cost of retirement.
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 retirement savings.
Returns are predictable. The maturity value is known upfront, allowing you to plan more confidently for future retirement expenses.
Simple, predictable and designed for long-term RETIREMENT 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.