I agree. 20% per year is good for everybody. But i would like to get 20% every year. I don`t sure that if i would by BTC today, i would get such percent. It`s cost is too high as for me.
20% per year is a dream percentage, most people fail to make 5% per year. Don't joke around these things with made up numbers. Most people don't even make 2% per year consistently.
And i know myself, i`ll sell when it would be x2-x3.
Then you are better to deal with altcoins, Bitcoin is not for selling.