Ten investment and financial management methods are as follows: 1. Investing in wealth savings; 2. Investment in peacetime-insurance; 3. invest in pet stocks; 4. Bonds with moderate return on investment; 5. Expert financial management-investment funds; 6. Foreign exchange investment; 7. Futures investment; 8. You will never change-gold investment; 9. High input and high output. Investment is more important, pay attention to a mentality. Under the guidance of relevant professionals and their own study of investment and financial management, reasonable investment and financial management will bring you gains and happiness! 5. Expert financial management-investment fund. I may be able to give you some advice on foreign exchange investment: an investment fund refers to an investment method in which fund sponsors collect the scattered funds of investors by issuing fund bonds (that is, beneficiary certificates), which are kept by fund custodians and managed by fund managers, and the investment income is distributed to fund bondholders. Buying investment funds by households is tantamount to giving funds to experts, which is not only less risky, but also saves time and trouble. It is the best investment tool for family investors who lack time and professional knowledge. Foreign exchange refers to various means of payment expressed in foreign currency for international settlement, that is, foreign currency funds that can be directly used to repay foreign debts and realize international transfer of purchasing power. According to the relevant regulations of foreign exchange management in China, foreign exchange mainly includes: (1) foreign currency, including paper money and metal coins. For example, there are five freely convertible foreign currencies in China: US dollar, British pound, German mark, Japanese yen and Hong Kong dollar. (2) Securities in foreign currencies, including government bonds, government bonds, corporate bonds, stocks, coupons, etc. ; (3) Foreign currency payment vouchers, including bills, bank deposit vouchers and postal savings vouchers; (4) Other foreign exchange funds. For a long time, China has implemented foreign exchange control, and individuals are not allowed to buy or sell foreign exchange. Although the black market in foreign exchange has never really been banned, it is illegal. With the increasingly frequent economic, scientific and cultural exchanges with foreign countries, individuals hold more and more foreign exchange. Especially with the gradual establishment of China's socialist market economic system and China's imminent accession to the WTO, the demand for foreign exchange by ordinary families is increasing. At the end of 2000, China realized the free convertibility of RMB. The types of foreign exchange investment that residents can choose include: foreign exchange deposit (that is, investing in foreign currency to earn exchange rate difference), foreign exchange (buying and selling without losing time to obtain considerable foreign exchange income on the premise of being familiar with the recent foreign exchange rate), and investing in foreign exchange securities market (buying and selling foreign exchange bonds and foreign exchange stocks through China banks, overseas institutions and economic and trade companies to obtain legal foreign exchange investment income).