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We'd buy Coca-Cola (KO), rated A-, a BUY, and Visa (V), rated B+, a BUY, steady companies that held up through this year's oil swings.
We'd hold the utilities you own and buy JPMorgan Chase (JPM), rated B+, a BUY, the stock that has done better after big yield drops.
We'd buy Cisco (CSCO), rated B, a BUY, the network company that owns Splunk and pays you while you wait.