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9 Examples of Individual Capital

Individual capital is the future economic potential of a person. This is essentially human capital at the level of an individual. The following are illustrative examples.


The valuable talents of an individual. For example, an artist with a talent for creating works of unusual value.


Talents that have been developed and refined with practice and experience. For example, an elevator mechanic who has vast experience such that they quickly and accurately diagnose problems.

Physical Capacity

Health, well-being and physical abilities can translate to increased lifetime productivity. For example, an artist who produces thousands of works due to their longevity, good health and energy.


The character traits of an individual both positive and negative. For example, a salesperson with an unusually strong personal presence.

Relational Capital

Relational capital is the value of social relationships such as a CEO who knows everyone in their industry.

Cultural Capital

Cultural capital is the ability to influence in the context of a culture. For example, a sports agent who knows how to get along with athletes because they have been immersed in the culture surrounding a sport all their life.


Knowledge including general knowledge, know-how, tacit knowledge and dispersed knowledge. For example, a software developer with a better understanding of first principles of computing that the vast majority of their peers.

Social Status

The social status of an individual such as an actor who is a household name or an accountant with a reputation for professionalism.


The degree of effort, enthusiasm, determination and resilience an individual demonstrates in relation to their profession, career and/or business.


In many cases, people don't like to be referred to as capital because this term is also used to refer to objects such as machines. However, from the perspective of economics capital simply refers to the potential to generate future value. Other terms such as "talent" or "labor" don't fully capture the concept of human capital. As such, its an unfortunate but useful term.
People have significant agency and can improve their individual capital with effort. As such, it can be a useful concept for self-improvement.
Individual capital relates to your ability to create value not your ability to capture value. In some cases, people generate far more value for society than they are paid. Likewise, people may capture more value than they create with rent seeking behaviors.
Overview: Individual Capital
The future economic potential of a person.
Related Concepts


This is the complete list of articles we have written about talent.
Area Of Expertise
Career Opportunities
Character Building
Cognitive Abilities
Cognitive Traits
Creative Ability
Creative Traits
Creative Works
Data Literacy
Decision Making
Design Thinking
Gaming Skills
Meaningful Work
Personal Presence
Personal Resilience
Problem Solving
Professional Self
Public Speaking
Self Direction
Self Management
Systems Thinking
Visual Design
More ...
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A list of abilities that are commonly viewed as a talent as opposed to a commodity skill.

Cognitive Abilities

A list of common cognitive abilities with examples.

Cognitive Skills

A list of the basic types of cognitive skill.

Creative Strengths

A list of common creative strengths.


The common types of advantage.

Words To Describe Knowledge

A list of words to describe the knowledge of a person.

Professional Weaknesses

A list of common professional weaknesses.

Career Interests

A list of common career interests.

Words To Describe Yourself

A vocabulary for describing yourself.


A list of common types of capital.

Fixed Asset

The definition of fixed asset with lists of examples.

Capital Examples

The basic types of capital with examples of each.

Public Capital

The definition of public capital with examples.

World Economy

A list of countries by GDP.

Global Economy

A list of countries by GDP.


The definition of capitalist with examples.

Central Planning

The definition of central planning with examples.

Financial Sector

The definition of the financial sector with examples.
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