<prompt> Human: I have a little saved and currently have it in P2P lending. I get a nice little bit out of that but with falling prices in oil will there be a point that putting what I have into oil or oil companies would make a decent amount for me?  <response>: It is rarely a good idea for individuals to speculate on specific marketsstockscommodities etc. A set allocation to low cost, broad index investments usually works best.Markets can stay irrational far longer than you can stay solvent is the old adage as well.Oil could take months or years to recover, and could get much worse. 