I asked Deepseek, if I invest 1000 yuan in Bitcoin every month, how much money will I have in 20 years?

According to your situation, the expected market value and investment evaluation after 20 years of monthly investment of 1000 Bitcoin are as follows:

1. Expected Market Value Calculation
Assuming the future annualized returns of Bitcoin are 10%, 15%, 20%, calculate using the compound interest formula:

- Annualized 10%
Total Market Value ≈ 71.8 million
(Calculation: Monthly interest rate 0.797%, cumulative investment of 240,000 yuan in 20 years, value increased by about 3 times)

- Annualized 15%
Total market value ≈ **131.3 million yuan**
(Value added by about 5.5 times)

- Annualized 20%
Total market value ≈ 243.9 million yuan
(Increase by about 10 times)

2. Historical Performance Reference
Bitcoin has had an annualized return of over 100% in the past decade, but future growth may slow down. Conservative estimates need to consider factors such as market maturity and regulation.

3. Risk Factors
- Extreme volatility: may be halved or even drop by 80% in the short term (such as in 2018 and 2022).
- Policy risk: regulatory uncertainty in various countries.
- Technical risks: network attacks, quantum computing threats, etc.
- Substitute Risk: Competition from other cryptocurrencies.

4. Compare to other assets
- S&P 500: historical annualized return of about 7-10%, with low volatility.
- Gold/Bonds: Lower but stable returns.
- Bitcoin: high risk, high return, suitable for long-term investors who can tolerate volatility.

5. Is it a good investment?
- Advantages:
In the long run, scarcity (total of 21 million coins) and decentralization may drive price increases, and dollar-cost averaging strategy smooths volatility.

- Cons:
Need to withstand huge fluctuations, with the risk of going to zero (such as being replaced by new technology).

Conclusion:
If you can tolerate high risks and have a long investment horizon of 20 years, Bitcoin may bring significant returns. However, it is recommended to only allocate a small portion (such as 5%-10%) as part of asset allocation and continuously monitor market changes.

Final suggestion:
- Diversified investment (combining stocks, bonds, etc.).
- Regularly review and analyze to avoid emotional trading.
- Consult professional advisors to develop a plan that suits your risk preferences. #BTC 行情走势分析