Human capital is a kind of special capital that bears the attributes of both "matter" and "human". After people found the attributes of "human", however, it restricts the research of that of "matter".Therefore, the research is scarce on the risk investment of human capital and the employment of investment combination to disperse risk and so on.The paper tries to analyze the risk investment of human capital and the related investment risks, then to provide some advices to disperse the risk.