There is no guarantee that you will earn 5% profit per month, whatever the method of investment you are going to use. All the methods involve a percentage of losing, trading is risky and you cant guarantee making profits always even if you are very experienced. Mining is nowadays worthless, unless if you live in a country where the electricity is really cheap. Gambling depends only on luck and it is highly risky.
it is very difficult to find an investment where when you invest, the assets you have are still safe. Well, even mining right now isn't very good if you have a little hardware for it.
earning 3-5% every month, without the risk of losing the $ 20k you have is so difficult. even for mining though. people will definitely aim to invest in altcoin or bitcoin, but that doesn't guarantee its safety.
I think in the investment world, there are no 100% safe assets, so you have to be prepared to accept the risks. so, be careful in investing.
