on this situation we have no idea but just keep holding if you want to achieve that value,  and stay away from those people who always saying sell and those who are always spread a negative news of the market volatility.  All you have to do is to focus on the market learn some technical analysis don't rely on others predictions for the sake of your money and put some patience on it instead and wait for the right time to sell . And by the way 20k still has a potential on this year so keep holding don't so hasty.