Let me start this off I am not super knowledgeable about the stocks/mutualfunds/index funds, I do know a little since I do have roth ira open so I did some research at that time. Lately with the oil prices plummeting I been thinking about investing into oil commodities since in my opinion its only a matter of time until oil prices bounce back. Maybe I am missing big part of puzzle here about the whole thing.... chive in you got some pointers on this.