Human Capital ETF uses portfolio thinking to understand personal development. It treats health, core expertise, transferable skills, learning ability, judgment, writing, AI fluency, reputation, and public work as assets that can compound, depreciate, interact, and require rebalancing.
It is not a financial ETF, security, investment fund, or financial product. It is a framework for deciding how to allocate limited time and energy across capabilities with different risks, time horizons, and possible returns.
The essays below develop the reasoning, evidence, practical methods, and limitations behind the framework.