Investment consultants have been working for hours researching and investing in asset classes like stocks, real estate, commodities and bonds. But all these asset classes pale in comparison to human capital. Human capital is the present value of your future salary. It is the most valuable asset in young age. With a professional and desirable skill set, you will always get a fair salary no matter how much inflation, your country is suffering. Everything you do to increase your earning ability like getting a higher degree, taking certification courses, all comes under investing in human capital. Like any other capital, human capital has also risked associated with it like - death or disability risk; professional competency risk. Read the full article here: http://www.investopedia.com/articles/younginvestors/09/human-capital.asp