10 S&P lists interest coverage ratio first among the nine ratios that it reports for different ratings classes on its web site.

11 For instance, assume that a firm's current rating is AA, but that its financial ratios would result in an A rating. It can then be argued that the ratings agencies are, for subjective reasons, rating the company one notch higher than the rating obtained from a purely financial analysis. The ratings obtained for each debt level can then be increased by one notch across the board to reflect these subjective considerations.

Retirement Planning For The Golden Years

Retirement Planning For The Golden Years

If mutual funds seem boring to you, there are other higher risk investment opportunities in the form of stocks. I seriously recommend studying the market carefully and completely before making the leap into stock trading but this can be quite the short-term quick profit rush that you are looking for if you am willing to risk your retirement investment for the sake of increasing your net worth. If you do choose to invest in the stock market please take the time to learn the proper procedures, the risks, and the process before diving in. If you have a financial planner and you definitely should then he or she may prove to be an exceptional resource when it comes to the practice of 'playing' the stock market.

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