Never trust rating agencies,also it helps to have a ground level understanding of your investments before you make a decision. To quote "truth is like poetry, and most people hate poetry" - big short, 2015

Agreed but what's the best way for a main street investor with a full time job and families to research? Ratings distill research down into a single number. Super efficient when they work.

I'd say carry on your investment study in increments, over the years you'd research in far more depth in fraction of the time you would initially.

There's something to your idea of breaking this complicated problem in smaller chunks and tackling it over time. Would you like to write about this together?

Buy the dip