It's an age old argument of Bulls and Bears. You can afford to be either when you feel that you have more to gain than lose. Conversely, if you wait too long to get in or out, that risk will cost you something now or in the future. As for downgrades or upgrades, I challenge anyone to prove that it every made a difference to them one way or the other. If you really want to lose a lot money, try to follow that illogical and subjective so-called research. The funny thing is they could change their ratings each day of the week for the almost any reason.
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