There are many ways for individuals to invest in financial management, and each way has its own characteristics and risks, which need to be selected according to the individual's financial situation, risk tolerance and investment objectives. The following are some common personal investment and financial management methods:

1.** Savings account or time deposit * *: This investment method has less risk, stable income, but lower interest rate.

2.** Stock investment * *: Investing in stocks may bring higher returns, but it also has risks. Investors need to study the company's financial situation, business model, industry prospects and other factors to reduce investment risks.

3.** Bond investment * *: The bond risk is low and the income is stable. Investors can choose to buy bonds issued by the government or enterprises.

4.** Fund investment * *: Fund is a collective investment tool, which can spread investment risks. Investors can choose different types of funds such as stock funds, bond funds and hybrid funds according to their risk tolerance.

5.** Real estate investment * *: Real estate investment can bring stable rental income and asset appreciation. However, investing in real estate requires a lot of capital investment and the transaction cost is high.

6.** digital currency * *: such as Bitcoin and Ethereum. This is a high-risk investment method, although it may bring high returns, but the price fluctuates greatly, so it needs careful investment.

7.** precious metals investment such as gold * *: The price of gold is relatively stable and can be used as a tool for asset preservation. However, the price of gold will also be affected by factors such as the global economic situation and political events.

8.** Investing in art * *: Investing in art may require high professional knowledge and appreciation ability, and the risks are relatively high.

These are just some basic investment and financial management methods, but there are actually many other methods. When making an investment strategy, we should fully consider our financial situation, risk tolerance and investment objectives, make reasonable asset allocation, and constantly learn and adjust during the investment process. If necessary, you can consult a professional investment consultant to reduce investment risks.