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Is this sentence correct and easy to read?

Whether speculating on commodities is a lucrative business venture or not is something that should be considered.

Does it need punctuation?

Whether speculating on commodities is a lucrative business venture or not, is something that should be considered.

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Whether speculating on commodities is a lucrative business venture or not is something that should be considered.

Generally, I avoid placing commas between subjects and their verbs except when a subject ends with the same word as its verb, like the following example from this site.

Those who know, know.

Different sites give other different exceptions, including length and complexity of the subject.

In our case here, going without the comma works fine.

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