Investing in the Most Important Asset: Yourself

This is part of the Improving Income series.

People are very intent on finding the ‘next big stock’, where they are able to invest in something that they can ‘buy low’ and ‘sell high’. Instead of focusing on these material assets, why not consider investing first in the most important asset of all, yourself?

There are many things that you can do to add to the current skillsets that you have, and here are some ways you can consider.


  1. Signing Up for Courses
  2. Making the Most of Resources in University
  3. Attending Webinars
  4. Maintaining Good Health

1. Signing Up for Courses

There are many courses available online, and you should be able to find one that you’re interested in.

Massive Open Online Courses (MOOCs) are on the rise, especially during the COVID-19 pandemic, which has shifted education into a home-based learning model. Some course providers have offered free certificates for certain courses. 

These courses usually require you to pay a certain fee to get the certificate, so you can take advantage of these courses and even add the certificate to your LinkedIn profile! A comprehensive list of all free courses can be found here. (Do take note of the expiry date of the free offers!)

Other courses are permanently available for free too. The Google Digital Garage has an online course, ‘The Fundamentals of Digital Marketing‘ (which I’m currently doing). 

Source: Google Digital Garage

There are a total of 26 modules, with each module having a few videos which explain the different concepts in Digital Marketing. 

There is a quiz at the end of each module, and after completing the final quiz, you are able to get a certificate as well!

There are other free courses that are provided by Google in the Google Skillshop, including Google Ads and Google Analytics

Some of these courses do provide a free certificate when you pass the quiz too.

Having a Google certificate in your portfolio would certainly make you stand out from your peers!

Also, I’ve just received an email from DataCamp, who is providing unlimited access for FREE to all of their programming resources!

Source: DataCamp

If you’re interested in starting coding, you can click the link here.

Besides online courses, did you know that you can take certain paid courses for free? The government has rolled out certain initiatives such as SkillsFuture and the IMDA CITREP+ Subsidy that you can take advantage of to learn new skills that interest you.

Source: SkillsFuture
$500 credit that does not expire!

2. Making the Most of Resources in University

Beyond the modules that you are currently taking for your course, there are so many others that are available from different faculties. The Unrestricted Electives (UEs) allow you to take modules of your choice. 

Though some of these UEs may be rather competitive, I strongly encourage you to apply for modules that you are interested in, rather than modules that you are able to do well in. 

Grades may not always matter in the end, but being exposed to new skills may be beneficial for you in the long run.

What’s more, you shouldn’t just be restricted to the mods that your friends are interested in. Try to really go for mods that you want. 

I recently did a module called ‘Decision Analytics using Spreadsheets‘, which was the first module that I went by myself. I learnt a lot about new formulae and certain neat tricks in Excel, which will definitely be useful in the future.

Besides UEs, there are many other resources being provided in the university. In NUS, the NUS Students’ Union (NUSSU) posts weekly newsletters that highlight certain events being conducted. 

Certain societies may conduct courses where you can learn new skills, so do keep a lookout for any courses that interest you as well!

3. Attending Webinars

Many talks are being hosted as webinars, and you can try to search for those that interest you. Eventbrite is a good place to start. You are able to follow different organisers that you like and be notified when they are organising any new events.

Source: Eventbrite
Some webinars that I’ve previously attended

If you are a NUS student, the Centre for Future-Ready Graduates (CFG) is hosting a Career Advancement Webinar Series, where there are webinars being repeated weekly. 

These talks cover certain skills needed to make a good impression on your future employers. Skills such as resume writing and virtual networking would be useful in helping you secure your dream job. 

If you are free during this period, why not sign up and listen in to learn something new?

Source: NUS CFG

4. Maintaining Good Health

Lastly, the most important thing you should do is to maintain good health. The only way that you are able to continue to work is by having a healthy body, and there are no shortcuts when it comes to health.

Maintaining a healthy diet, having adequate sleep and exercising regularly: these tips are not new, but they would certainly benefit you in the long term if you do them consistently. 


There are so many ways to self-improve, and we should always strive towards learning more. You may not see the results now, but in the long term, you may be grateful that you chose to put in that extra effort now!

This post is inspired by a previous webinar hosted by Endowus, “Focusing on human capital over COVID-19“. Highly recommended to watch if you have the time!

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3 thoughts on “Investing in the Most Important Asset: Yourself

  1. Nice! Before long, you would be itching to get your own domain name and a self-hosted blog too! I wish I had started my financial literacy journey earlier but hey, better late than never, right?

    Liked by 1 person

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