After 20 years, it is very likely that the principal and interest will be recovered during this period. Although 2007 was a high point, the fluctuation of economic cycle was generally 5- 10 years, and now it is in recession. The next economic recovery, the stock market will naturally experience another high point.

Moreover, the economic development is long-term upward, and it will not take 20 years to return to the original. But then again, 20 years is very simple, but few people can really make long-term investments.