5 things from Pokemon Go that can apply to financial planning

Here are some useful lessons to be learned from playing Pokemon Go; lessons that can even apply to your financial planning!


We've seen naysayers and haters of the game but most people (both young and not-so-young) are taking to it like a Psyduck to water!

If you're a Pokemon Trainer and playing the game responsibly, we say good on you! In fact, we think that there are some useful lessons to be learned from playing Pokemon Go; lessons that can even apply to your financial planning!

Here are five that we’d like to highlight. 


1. It can be dangerous to just follow the crowd

They might lead to accidents like in the case of the mass exodus in Hougang recently that dashed across the road and risked their lives to catch a Snorlax. So please be cautious, even if you’re naturally fearless, ok? Look, left, look right and observe traffic rules at all times!

Similarly when it comes to savings and investments, don't blindly follow what your friends and acquaintances are doing – it may not be right for you and you may even end up in a (stock market) crash if you go for investments that do not meet your risk profile or deviate from your financial objectives. Each individual is different and it’s worthwhile to first evaluate your risk profile with a professional, like a qualified financial adviser representative. 


2. Your Pokemon egg doesn't hatch on its own

You'll have to physically walk and make that happen (and no, it doesn't work with distance covered in a car or on the MRT). So if you want results, you can't be lazy! You'll need to be proactive and get off the couch.

Likewise for your retirement nest egg, your money's not going to grow much if left to stagnate in your piggy bank or savings account. Be it via savings plans or investments, you should be actively putting aside some money each month for your retirement.


3. The people who offer professional help know their stuff

Take for instance the guy on Carousell who offered to run around the Bedok stadium track to hatch your eggs while you sit in the comfort of the covered bleachers, sheltered from the sun. He received some 40 requests, by the way.

Paying for his services allows you to level up while you catch up on other important things, like spending time with your otherwise neglected girlfriend/boyfriend/pet Chihuahua. And let's face it; if he's offering to run, he's probably going to do a better job of hatching your eggs for you.

This is like how financial adviser representatives do the legwork for you to find out the best products that match your needs and you just chill, sit back, and consider your choices. Because they're the experts and it's what they’re trained to do, it's just easier to let them do the work. It's also in their interest to serve you well and gain your loyalty, because then you'd recommend them to your circle of friends and relatives. 


4. You need to catch many, many Magikarps to get enough candy for it to evolve into Gyarados

And the more evolved Pokemons there are in your Pokedex, the more value it has. Because Evolved Pokemons will have higher Combat Power (CP) and Hit Points (HP), thus higher chances of you winning big in your battles.

It's like how compound interest works in financial planning. The earlier you start saving, the more funds you have to play with. And the larger the funds (i.e. the more you save), the more money you can make through interest rates. Of course over the period of time that you're playing the game of investment, the magic of compound interest (meaning interest on the interest you've already gained) will add to the overall sum of your Pokedex… er, portfolio. 


5. The higher the level you are as a trainer, the better the type of Pokemons you can catch

And the only way you can level up is to keep playing. As you play you'll gain experience; you'll ignore the common Rattatas and save your Pokeballs for rarer catches. You'll strategise and re-strategise as the game progresses.

Isn't this very much like the game of life? The best way to play it is to keep going. You will definitely meet milestones as you progress through life stages and just as you would re-strategise how you'd use your ammunition, life also means you'd need to relook your financial portfolio. Income changes, marriage, property, kids and having to take care of the elderly, these are the common things you'd expect to face as you evolve. With every change, there'll be a new way to allocate your financial resources for best results. So there you have it – sage financial wisdom we gleaned from the unlikely Pokemon Go!


We're rooting for you to win big in Pokemon Go, as well as in life – but can only help out with the latter. So if we can be of service, leave down your details below and we'll be in touch.

Review your coverage with a professional

Leave your details below and we'll be in touch.

Thank you for your submission. 

Please enable javascript on your internet browser in order to use this form

By clicking "Submit", you consent to Aviva and Aviva related companies contacting you to provide you with information concerning Aviva and Aviva related companies' products and services. You also consent to Aviva using, disclosing or transferring your personal data in this form to Aviva related companies, third party providers or intermediaries, whether located in Singapore or elsewhere, for the above purposes and for research, audit, regulatory and compliance purposes.

For details of Aviva's Data Protection Policy, please refer to https://www.aviva.com.sg/en/pdpa/. To withdraw your consent at any time, please call Aviva at +65 6827 7988.

Receive monthly updates

Subscribe to Money Banter to receive useful tips and guides on insurance and offers on products and services.

Thank you for your submission. 

Please enable javascript on your internet browser in order to use this form

By clicking “Submit”, you consent to Aviva and Aviva related companies contacting you to provide you with information concerning Aviva and Aviva related companies’ products and services and special offers which may be of interest to you. For details of Aviva’s Data Protection Policy, please refer to https://www.aviva.com.sg/en/pdpa/. To withdraw your consent at any time, please call Aviva at +65 6827 7988. 

Important Information

Money Banter (the "Portal") is for general information only and does not take into account the specific investment objectives, financial situation, health condition and needs of any particular person. The contents of this Portal are intended merely for educational purposes and should not be construed as the giving of advice or the making of a recommendation. Nothing contained in this Portal shall constitute a distribution, an offer to sell or the solicitation of an offer to buy. We recommend that you discuss any specific matters with your financial adviser representative or legal adviser before making any decision. You are responsible for your own medical care, treatment and oversight, and any health-related content on this Portal, including, text, treatments, dosages, outcomes, charts, profiles, graphics, images, messages and forum postings are strictly information to promote general understanding of certain health topics only, do not constitute the providing of medical advice, and should not be relied upon as a substitute for professional medical advice, diagnosis or treatment. Always seek advice from a physician or other qualified health care provider regarding your medical condition or treatment and before undertaking a new health care regimen. This Portal may include information sourced from third parties and links to third party websites. We are not responsible for the accuracy or completeness of, and do not recommend or endorse such information or third party websites nor recommend or endorse any specific tests, physicians, products, procedures, opinions or other information. While we have taken reasonable care to ensure that the information on this Portal has been obtained from reliable sources and is correct at time of publishing, information may become outdated and opinions may change. Except to the extent prohibited by any law, we are not liable for any loss (including direct, indirect and consequential loss, loss of profits, loss or corruption of data or economic loss of any kind) that may result from the access or use of or reliance on the information on this Portal.  | Terms of Use | Privacy Policy

This advertisement has not been reviewed by the Monetary Authority of Singapore.