Asset Allocation: Human Capital What are your TOTAL assets today, which includes the value of human capital and financial capital? Assume you have $60,000 of financial capital. Assume you make an income of $50,000 today, your income grows 4% per year, you work 30 years, and the discount rate (based on the risk of your income) is 3%. The financial capital grows at 10%. The explanation behind the number may or may not be right. For a choice to be correct, the explanation and the number must be correct. PS Isn't this cool? 0-$5,200,000 since you have so long to work and have not yet made the income $2,544.492 which is the present value of income and the future value of the financial assets $1.751,870 which is the present value of your future income and present value of financial capital $1,560,000 which is our current income multiplied by 30 years of it plus current financial capital O $1,808.432 which is the present value of your future income and financial capital