The difference between 涵养 and 修养
Both nouns have the meaning “education”. These nouns indicate life skills acquired through a person's education or development.
However, these nouns have different shades of meaning.
The noun 修养
修养 
indicates a level of education, skills or intelligence. It also indicates high moral qualities.
indicates a level of education, skills or intelligence. It also indicates high moral qualities.Examples
政府应该加强文化修养
The government needs to strengthen cultural education
zhèngfǔ yīnggāi jiāqiáng wénhuà xiūyǎng
把座位让给更需要的人是起码的修养
Learning to give to those who need it most is a minimum for a good upbringing
bǎ zuòwèi ràng gěi gèng xūyào de rén shì qǐmǎ de xiūyǎng
我们都羡慕你的艺术修养
We all envy your artistic skills
wǒmen dōu xiànmù nǐ de yìshù xiūyǎng
修养 is often used in set expressions.
For example:
道德修养
文学修养
艺术修养
思想修养
文学修养
艺术修养
思想修养 The noun 涵养
涵养 indicates self-control and restraint.
It is often used in the collocation 有涵养 .
indicates self-control and restraint.
It is often used in the collocation 有涵养 .Examples
她很有涵养，没有表露出她的失望
She is very reserved. She didn’t show her disappointment
tā hěn yǒu hányǎng, méiyǒu biǎo lùchū tā de shīwàng
她举止恬静很有涵养
She is calm and reserved
tā jǔzhǐ tiánjìng hěn yǒu hányǎng
淡定是一种人生涵养
Calmness is a kind of human endurance
dàndìng shì yì zhǒng rénshēng hányǎng