It’s hard to flip through a newspaper these days without reading about what experts from Moody’s Investor Service have to say. Comments can be read regarding real estate markets, financial products, economic trends, the auto industry and more. A Moody’s independent financial advisor is skilled in assessing bond and stock info to come up with an industry portrait that strives to minimize risk for investors. Even though these ratings are not always perfect and investment money may be lost, this 100-year-old company is still considered one of the gold standards in risk assessment today.
The primary job of Moody’s Investor Service is to provide ratings on stock products, bonds and financial commodities. Investors (either individuals or businesses) who wish to sink their dollars into something usually check the rating system first before deciding how much to invest or where to put their money. In addition to investment advisory services, Moody’s also “publishes investor oriented credit research, including in-depth research on major debt issuers, industry studies, special comments and credit opinion handbooks,” www.moodys.com reports. This information often affects buyer purchasing decisions, such as when to buy a new automobile, when to buy real estate or what sort of investments they should sell off.
Moody’s Investor Service is not without controversy. In lieu of the financial crisis, credit rating agencies like Moody’s and Standard & Poor’s have been accused of assigning top tier “AAA” ratings to bogus investments and stock products that were backed by subprime mortgages and other bad debt. Their ABS Collateralized Debt Obligations sector, for instance, lost $125 million, despite having the best ratings. However, as NY Times writer David Gillen wrote in a June 4, 2009 article, old methodologies die hard. “Even now, it is difficult — in fact, impossible — for big investors to ignore credit ratings completely,” he writes. “By law, banks and insurance companies must take ratings into account when investing in bonds. Big money managers, and their customers, often base investment guidelines on them.”
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