Kumi Fujisawa, who founded Japan's first mutual fund assessment company in the mid-1990s, says investing in yourself -- not high-return financial products -- is the key to getting the largest return.

"I have experienced big losses through stock trading, but I have also come to realize that one is able to maximize returns by investing all one's money and time in oneself," she said.

Currently director of think tank SophiaBank Ltd., Fujisawa, 36, engages in a variety of work, ranging from writing columns on investment for fashion magazines to sponsoring seminars for children and investment novices -- all to disseminate her belief that investment has the power to change society.