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Just like that cluttered closet filled with once-used Halloween costumes and nostalgic keepsakes, your investment portfolio might also contain outdated assets. Our latest report helps you identify which investments are treasures and which should be cleared out.

Want to gain valuable insights on investing for the future? Hoping to learn more about estate planning and trusts? The experts at Plimoth Investment Advisors are here to help you.

You have to look all the way back to 1997 to find a period of stock market returns in the first three quarters of a calendar year that top the stellar returns we have seen thus far in 2024.

The time has come… time for crisp cool mornings, shorter days, watching for big yellow school buses on the roads and pumpkin spiced lattes.

Small cap stocks enjoyed the media spotlight in July, with a gold medal-worthy outperformance over other asset classes.

Be sure to take time out to enjoy the sunset from time to time on these warm summer nights.

Sell in May and Go Away? A Dated Adage Wisely Ignored by Long-Term Investors

Much like the lyrics of George Harrison’s last number one hit “Got My Mind Set on You” (a cover of the 1962 James Ray song released by the former member of The Beatles in 1987) investors need to embrace the idea that prudent investing is going to take time, a whole lot of precious time. It’s going to take patience and time… to do it right.

The following (quite logical) question tends to arise every four years, and this year is no exception. “What does this historic presidential election mean for the U.S. stock market?”

The last time markets exhibited such strength in an 18-week period was 53 years ago, just as young families were first able to interact with their favorite characters on Main Street USA at Disney’s Magic Kingdom flagship Florida property.

From versatile living trusts to steadfast irrevocable trusts and compassionate special needs trusts, Carol delves into how each type serves unique roles in estate planning and wealth preservation.

Consumers in the U.S. have maintained their exuberance into the new year, and why not, when you can find prices below $3.00 at the gas pump (if you know where to look). Consumer sentiment has historically been influenced by a handful of key factors including employment, stock market returns, inflation and gasoline prices. With all of these factors moving in the right direction, it’s no wonder consumers have continued to spend with confidence.

WPLM (99.1 FM) welcomes back Louis Sousa, Senior Vice President, Chief Investment Officer for Plimoth Investment Advisors, to discuss a variety of informative topics from saving for retirement to 401(k) plans.

This New Year, resolve to do something… the same. New Year’s Resolutions can be great, particularly when focused on a habit or area that could use some added effort or a tune up. Let’s try to be cautious, however, of not disrupting tried and true habits that work to our advantage over time.

What a difference a month makes. Santa came early for equity investors and stocks roared in November after hitting correction levels just a month ago. While stocks were flashing green across the screen, Black Friday and Cyber Monday brought in new record high sales.

As a follow-up to our last monthly newsletter and based on (always highly valued) feedback, (we state for the record that) it is certainly the case that there are many types of pumpkin spice enthusiasts and by no means are all “giddy,” as referenced in our last letter. Rather, it is the U.S. stock market to be reported on, having entered a “correction” in one of the final trading sessions in the month of October.

Dive into the heart of Social Security and retirement planning through our on-demand webinar. Our specialist will walk you through the key elements of Social Security – from eligibility criteria, benefits, and beneficial strategies to boost your benefits.

Spend baby spend! That was the message from the U.S. government to its constituent consumers during the three-year pandemic recovery, with multiple rounds of helicopter stimulus checks and economic relief programs dropped in their laps. And spend they did, creating a hard-to-break habit in the process.

September means back to school for many families, whether it be children or grandchildren at various points in their primary or secondary educations or for some, a time to face the soaring costs of a college education. With even the best laid plans, education costs have continued to skyrocket at higher than anticipated levels over the past several years and can be daunting when their impact on personal budgets is realized.

The summer blockbuster movie Barbie has quickly made its way into an elite group of only six film productions in the post pandemic world, with over a billion dollars in global receipts. The slope of a ticket sales chart is steeper than even the red-hot recovery of U.S. equities this calendar year, with no signs of the hype abating.

There have been an inordinate number of reported black bear sightings in Massachusetts this year. While unusual, the rationale seems to be that bears are known to be a hungry lot and, although they live in the woods, will venture to wherever they have a chance of finding an easy food score. If you happen to see one of our recently popular local black bears, the best advice seems to be to leave it to go about its business, as it should eventually move along. Long-term investors would be well served to heed similar advice. Bear market periods are an occasional occurrence that have historically run their course and been dominated by periods of longer-term bull runs.

In an episode of The Twilight Zone that initially aired in the 1960s, Rod Serling narrates the story of an elderly resident at a home for the aged who falls on challenging times and longs for the days when all worries and problems would disappear by participating in a childhood game of “Kick the Can”.  In the real world, however, such games merely push difficult situations off and postpone tough decisions.  No amount of wishing or believing will solve problematic issues like the U.S. debt ceiling.

April showers may have created a few mud puddles for investors to navigate, but in the end, most should maintain a sunny disposition when reviewing portfolio balances from the end of the month.

Investor fear tends to cloud judgment during sharp market pullbacks. The anguish of experiencing declining portfolio values can lead nervous investors to feel inclined to “sit things out” for a while, with an intention of “jumping back in” when things settle down. If this feeling should arise, your trusted and experienced account officer at Plimoth Investment Advisors is only a phone call away.

The Federal Open Market Committee raised short-term rates by 25 basis points last month in the latest move in their fight against sticky inflation. The magnitude of the eighth hike since March, 2022 was less than previous increases in the current monetary tightening cycle.

As tax time rolls around, it is important to understand how to report your crypto assets.

Investors in U.S. equities decided to shake it off and found a way to move on from the bleak financial market environment experienced in calendar year 2022, making shares of downtrodden stocks nearly as desirable as tickets for the latest Taylor Swift tour.

There are ample reasons for an enthusiastic welcome to a new calendar year after a long list of challenges marred 2022. Investors in volatile financial markets may be anxious to put the worst year for U.S. equities since the financial crisis, and one of the worst years ever for bond investors, in the rearview mirror and not look back.

Fed Chairman Jerome Powell’s comments after the release of the Federal Open Market Committee’s latest meeting minutes, followed by further dovish remarks at the Brookings Institute, made progress toward appeasing the grizzled bears on Wall Street. The majority of Fed officials leaning into the idea of a pause on rate hikes in the new year moved major stock indices further away from recent bear market lows.

The talented staff members at Plimoth Investment Advisors are cooking up a special treat for you! They’ve put together a cookbook with their favorite recipes of the season.

After months of tricky-to-maneuver volatility in the stock market, equity investors were afforded a fall treat just in time to load up on (higher-priced *) Halloween candy. Equity volatility remained above historical long-term averages during the month, but fortunately the rapid move in stock prices in the later part of October was to the upside.

Avid readers of this newsletter may recall an introduction to the acronym “TINA” (There Is No Alternative), popularized at a time of rock bottom interest rates on fixed income instruments and coined by market pundits to describe the rationale for focusing attention entirely on equity investments. The rapid rise in short-term rates has made “lending” capital (purchasing bonds and other fixed income instruments in return for a set interest payment) both attractive and profitable again. Enter “TARA”, the newest cocktail party acronym… “There is A Reasonable Alternative”.

Planning a trip to Europe anytime soon? You may find that your dollar stretches further than it has in the past when you exchange your greenbacks for euros. Last month, the U.S. dollar and the euro reached 1:1 parity for the first time since the early days of the euro in 2002.

It seems that if you aren’t happy with something, you can attempt to simply redefine it. Take the dreaded word “recession” for example. Per the textbooks I studied and with the guidance of my excellent professors, I have always stuck to the basic definition – two consecutive quarters of negative real Gross Domestic Product (GDP). The nuances of labeling the stages of a business cycle, however, are not quite that simple.

Asked and answered. U.S. stocks closed in a bear market last month, driven down further by fears of sustained inflation, aggressive Fed tightening and economic slowdown. Although it has been a bear of a time for investors for much of this year, it is now official and in the books.

The Bear, or Not the Bear, that is the Question – As perhaps a Shakespearean soliloquy might ponder… Whether ‘tis nobler in the mind of the investor to suffer the 20% closing decline known as a bear market and move on, by means of slings and arrows in the pursuit of opportunistic fortune, or to merely approach such chasm and never gain the menacing label of sold off markets past?

I expect some readers will recall an electronic board game called “Operation” from their youth. Despite knowing the artificial “jolt” would eventually come it was uncanny how the human reaction was to jump with each eventual failure. This reaction comes to mind when considering the response of fixed income investors to the first rate hike in the monetary tightening cycle which began in March.

The Federal Open Market Committee (FOMC) raised short term rates in March for the first time since 2018. Maintaining their proclivity for transparency, they quickly announced expectations for the possibility of six more hikes this calendar year (with the market already pricing in more) to slow the pace of rising inflation.

Americans switch jobs often — every five years on average, according to the Bureau of Labor Statistics. Switching may be great for satisfaction and pay, but it can complicate retirement planning.

Russia’s invasion of Ukraine overshadowed all other news in the final trading week of February.  The initial panic selling on Wall Street turned around quickly on the day of the military attack.

The stock market was incredibly volatile in the first month of 2022, reflecting fears of Fed policy tightening. Higher interest rates meant lower stock prices, as investors able to earn higher yields on risk-free U.S. Treasury bonds were less interested in buying technology stocks with questionable profitability.

Make it your goal: this is going to be the year you start investing to grow your money. Don’t worry that you’re too late —as the saying goes, the best day to start investing was yesterday, and the second best day is today.

Target date funds are risk-based retirement investment funds that are generally designed to be used as a single investment option. Over time, the mix of stocks and bonds included in a target date mutual funds automatically becomes more conservative as you near retirement.

When you want to take control over your finances and invest properly, you’ll have the choice of turning to a professional or do it yourself.

When you set up a trust, you’re telling people how you want to manage your assets so that no one is left wondering about your intentions.

The advent of cryptocurrencies has changed the worlds of not only finance and technology, but also personal investing.