The disadvantage is that the equity investment cycle is relatively long, ranging from 3 to 5 years, and the return period is very long. If the company's operating conditions are not good, it is difficult to realize it in time and it needs to bear certain risks. Investing in equity is equivalent to joining the enterprise company, sharing the benefits brought by the company's rapid development, and at the same time bearing the difficulties encountered in the company's development process, even closing down. Investors should be based on their own affordability