中文：

随着经济的发展和人们收入的提高，理财已经成为了人们日常生活中不可或缺的一部分。那么，现在都有什么理财方式呢？

首先，储蓄是一种最基本的理财方式。人们将钱存入银行，可以获得一定的利息收入。虽然储蓄是一种相对安全的投资方式，但是它的收益相对较低，难以满足人们的投资需求。

其次，基金是一种比较流行的理财方式。基金是由专业的基金经理管理的一种投资组合，可以分散投资风险，同时也可以获得相对较高的收益。基金的种类也比较多，可以根据自己的投资需求和风险承受能力选择适合自己的基金。

另外，股票也是一种比较常见的理财方式。人们可以在股票市场上投资股票，通过股票的涨跌来获得收益。但是，股票投资风险较高，需要投资者具备一定的市场分析和风险控制能力。

此外，还有其他一些理财方式，如债券、期货、保险等。这些理财产品的特点和风险程度也各不相同，投资者需要根据自己的实际情况和需求进行选择。

总之，现在有很多种理财方式，不同的理财方式有不同的特点和优缺点。投资者需要根据自己的实际情况和需求进行选择，并注意风险控制和资产配置。

英文：

With the development of the economy and the improvement of people's income, wealth management has become an indispensable part of people's daily lives. So, what are the current investment and financial management methods?

Firstly, savings is the most basic way of wealth management. People deposit money in the bank to obtain a certain interest income. Although savings is a relatively safe investment method, its return is relatively low and difficult to meet people's investment needs.

Secondly, funds are a relatively popular way of wealth management. Funds are investment portfolios managed by professional fund managers, which can diversify investment risks and obtain relatively high returns. There are also many types of funds, which can be chosen based on one's own investment needs and risk tolerance.

In addition, stocks are also a common way of wealth management. People can invest in stocks on the stock market and obtain returns through the rise and fall of stocks. However, stock investment is highly risky and requires investors to have a certain market analysis and risk control ability.

In addition, there are other wealth management products such as bonds, futures, insurance, etc. These wealth management products have different characteristics and risks, so investors need to choose according to their own actual situation and needs.

In general, there are many ways of wealth management now, and different ways have different characteristics and advantages and disadvantages. Investors need to choose according to their own actual situation and needs, and pay attention to risk control and asset allocation.