Well if you have that $20,000 for investment. I would hardly say that think about first if you really want to invest that in bitcoin industry.
Because if I have that in my pocket I would invest that first in real business just like I am going to build up my own room for rent.
So that I can get good profit there monthly depending on the contract with the renter.
It is better to just buy the bitcoin and not to invest in the bitcoin industry. Most companies are losing money.