Singapore · Est. 2006 · UEN 200602978Z

"Dishonest money dwindles away, but whoever gathers money little by little makes it grow." Proverbs 13 : 11

Steward Capital.
Serve Eternity.

A purpose-driven fund management company committed to disciplined, risk-aware investing — and to giving generously.

Our Approach Speak with Us

Who We Are

Built on Conviction,
Not Convention

Excelsis — Latin for "the highest" — reflects our calling: to glorify God through faithful stewardship of wealth and opportunity. We serve a trusted circle of accredited investors and families, offering conservative portfolios rooted in prudence, trust, and care.

Founded by an experienced entrepreneur and a seasoned commodity and FX dealer, Excelsis Holdings was built on the conviction that sound investing is not about chasing performance. It is about preserving capital, compounding it wisely, and operating with integrity.

We will be pursuing a Capital Markets Services (CMS) Licence under Singapore's Securities and Futures Act, to serve accredited and institutional investors through a fully regulated fund management structure.

Faithful Stewardship
Capital managed with diligence, care, and a long-term perspective.
Discipline in Execution
Grounded in fundamentals. No speculation. No sin stocks.
Integrity & Transparency
Annual audited statements. Full accountability to clients and beneficiaries.
Purpose Beyond Profit
50% of net profits directed to Christ-centred charitable causes.

Investment Philosophy

Risk-Aware.
Indicator-Driven.
Conviction-Aligned.

We reject passivity and speculation alike. Our process focuses on sustainable, risk-aware growth through diversified portfolios — guided by biblical stewardship and governed by a rules-based Dynamic Risk Control Framework that responds objectively to market conditions.


Client funds are held in full custody with regulated third-party institutions, segregated entirely from company assets — protected even in the unlikely event of corporate liquidation.

01
Diversified Asset Allocation
Portfolios span equities, fixed income, precious metals, and cash instruments — constructed to minimise unsystematic risk and capture sustainable, market-aligned returns.
02
Valuation-Driven Rebalancing
Five macro indicators — including the Buffett Indicator and Shiller CAPE — signal when to reduce equity exposure. All portfolios reviewed monthly. No knee-jerk reactions; signals must persist for ten working days.
03
Ethical Screening
Every holding passes through a stewardship filter. We exclude gambling, exploitation, and industries Scripture clearly identifies as harmful — while focusing capital on companies with sound governance and long-term value creation.
04
Cost-Efficient Execution
We invest directly into securities and commodities — bypassing ETF management fees — and apply the Pareto principle to focus capital on the top 20% of instruments expected to deliver 80% of returns.
05
Downside Risk Controls
Equity exposure scales down as Red Indicators increase. At 0 indicators: 80% equity. At 5: 40%. Released capital moves to liquid, risk-free instruments until conditions normalise.
06
Client-Centric Suitability
Every portfolio begins with a deep understanding of objectives, constraints, time horizon, and values. We grow wealth without compromising conviction.

Our Valuation Indicators

Five objective metrics govern equity exposure across all portfolios.

Buffett Indicator
Mkt Cap / GDP
Total market cap relative to economic output
S&P 500 P/E
Price / Earnings
Current market valuation multiple
Shiller CAPE
10-yr adj. P/E
Inflation-adjusted cyclical earnings ratio
Yield Curve
10Y – 2Y
US Treasury spread — recession signal
Forward P/E
vs. Hist. Median
Forward earnings relative to long-run average

Our Team

Leadership with Purpose

S
Stephen Lok
Co-founder, Co-CEO & Strategic Advisor

A seasoned entrepreneur who designed the firm's proprietary monitoring framework — consolidating market indicators, portfolio metrics, and performance signals into a clear dashboard. He co-approves all material investment and compliance decisions.

C
Chin Ze Min
Managing Partner · Co-CEO · CIO · Compliance

Leads investment strategy, portfolio management, and risk oversight. With extensive experience in commodities, FX, and derivatives, Mr. Chin holds a degree in Accounting & Finance and is pursuing the CFA designation.

M
Marian Phuah
Director & Strategic Advisor

Provides independent oversight on investment and compliance matters, reviews risk dashboards and performance metrics, and co-approves all material decisions to maintain balanced governance across the firm.

Kingdom Impact

Wealth as a Means
of Lasting Service

Excelsis Holdings commits 50% of its net profits to Christ-centred missions and charities — not as an afterthought, but as a founding conviction. We believe wealth is not merely a resource for personal gain, but a means for service, legacy, and eternal impact.

We partner with trusted local and international churches to support missionaries, assist underserved communities, and fund initiatives in relief, education, and discipleship. All giving is governed by Scripture, managed with full transparency, and reported to investors annually.

The remaining 50% is reinvested into the business to sustain long-term growth and fairly compensate the team whose work makes this mission possible.

50%
Of net profits
to charity
100%
Transparent
annual reporting
✦
Mission Support
Funding local and international missionaries carrying the Gospel to unreached communities.
✦
Community Relief
Partnering with churches to assist underserved families through practical aid and resources.
✦
Education & Discipleship
Investing in the next generation through faith-based education and discipleship programmes.
✦
Accountability to Investors
Periodic sustainability reports detail exactly where funds went and the outcomes achieved — so every investor can see the tangible results of their participation.
"For we are God's handiwork, created in Christ Jesus to do good works, which God prepared in advance for us to do." Ephesians 2 : 10

Speak with Us

Begin a Trusted
Conversation

We engage with a select circle of accredited investors and families whose values, principles, and long-term perspectives align with ours. If you are interested in disciplined, values-driven wealth stewardship and would like to learn more about our approach, we welcome a confidential conversation.

All enquiries are treated with the utmost discretion, professionalism, and respect for privacy. We do not actively market our services to the general public, and participation is by invitation or referral where appropriate.

Address 60 Paya Lebar Road, #06-28
Paya Lebar Square, Singapore 409051
UEN 200602978Z
Incorporated 3 March 2006

By submitting, you confirm you are an accredited investor or are enquiring on behalf of one. All information is kept strictly confidential.

✦
Important
Disclaimer
Please Read Carefully

Excelsis Holdings is not a licensed financial adviser, fund manager, or provider of regulated financial services. The information, insights, tools, research, and materials we share are provided solely for educational and informational purposes and should not be construed as financial, investment, legal, tax, or other professional advice.


Nothing contained on this website constitutes an offer, solicitation, recommendation, or invitation to buy or sell any investment, security, or financial product. Any investment decisions should be made independently and only after conducting your own due diligence and consulting appropriately licensed professional advisers.


Past performance, back-tested results, and illustrative examples are not indicative of future results. All investments involve risk, including the potential loss of capital.