Oil Fund Too Risky for Average Investors

A new financial instrument aimed at those pining to profit from the multiyear surge in oil prices is distressing energy and stock-market experts because of the allure — and risks — it presents to average investors.

The United States Oil Fund, an exchange-traded fund that is expected to debut Monday and whose per-share value is designed to mimic the price of crude oil futures, is most appropriate for savvy institutional investors and may be OK for a small cadre of consumers looking to diversify their portfolios.
MSN Money