20K too wouldnt be a bad bet if one were to just buy and keep for one year from the current point. What factors you think will push the price to 20k? Some say halving some say adoption by new users...
Here's an interesting
thread on the subject where someone who knows a thing or two makes a good point.
Some have said that this halving won't have as much effect as the last two, but it's still a reduction in monetary inflation from 3.7%/yr to 1.8%/yr, which is far from nothing, and in fact I see it as permanently bringing BTC out of the inflationary era and into the deflationary era.