investing for retirement

Welcome

Tonge Investments is a Registered Investment Adviser, located in the State of Maine, specializing in managing assets in the securities markets. We work with our clients to articulate individual goals and risk tolerance. We then devise a personalized investment plan using a variety of strategic tools:

  • Exchange Traded Funds (ETFs)
  • Common Stock
  • Bonds

Our mission: to provide consistent investment returns without exposing our clients' portfolios to unreasonable risk.

  • We invest with a conservative, long-term approach designed to increase asset value over time.
  • We offer you a custom-tailored portfolio based on your hopes and plans, your income needs, and your risk tolerance.
  • We view investing as a process – not an event. Your individual goals form the basis of the investment strategy that we develop together.

We encourage you to browse through our pages and call us with any questions, comments or suggestions.

History

Tonge Investments is a Registered Investment Adviser specializing in portfolio management for individuals, trusts, retirement plans, and endowment funds. Rick Tonge (pronounced Tonj) first entered the business in 1974 as a third generation broker, working for his father's firm. In 1996, he moved from the brokerage to the adviser side of the business so he could work in a fiduciary capacity for clients.


Tonge Investments employs a unique research method, based on technical analyses, in order to identify investment opportunities. Technical analysis focuses on the tug-of-war between supply and demand in the stock market, discovering the relative strength of assets. Relative strength, derived through technical analysis, is the most notable attribute of profitable investment portfolios.

Process

We will talk with you. We will ask questions. We will strive to know what your unique situation is, eventuating in a needs profile and a risk profile. Once we arrive at a common understanding, we will use our experience to develop the appropriate mix of assets to enhance your financial status.

Fees

Management Fees are invoiced at the beginning of each quarter and are based on the total market value of the portfolio. The quarterly fee is one-fourth of the following annual rates:


  • 1.00% on the first $500,000
  • 0.70% on the next $500,000
  • 0.50% on the balance

Two or more related portfolios may be combined for fee calculation. A 50% discount is provided for not-for-profit organizations.


In what follows, we're trying to be brief. The descriptions may sometimes seem arcane and confusing. Indeed, the financial industry as a whole may seem mysterious. We're in business to bring some measure of transparency to the world of investment. Please call us, or come in and see us, if we can be of service to you.

ETF

Exchange Traded Funds provide perhaps the best opportunities for sound, safe investment that have evolved in recent years. Our ETF portfolio comprises both domestic and international ETFs in order to diversify your holdings.

Stock

This is a portfolio of 20-25 individual common stocks. Technical analysis and Relative Strength are used to select each stock. These two research tools allow us to move seamlessly between these investment styles (growth and value) and capitalization (small, medium and large cap).

Bonds & Other Income

A ladder portfolio of Treasury, Corporate and Agency bonds or ETF bond portfolio as used to create income. Our T24 portfolio is designed to produce income for IRA accounts.

T24

This special portfolio utilizes both an ETF and a very conservative strategy to generate monthly income at about 2% per month. As market conditions change, we may or may not be able to apply this process each month. However, every time we do, it will get about 2% for the 30-day period. Since the income is all taxable, we encourage clients to select this for their IRA or other retirement assets.


T24 is a unique investment process designed to increase the return and reduce the risk in investment accounts by creating income.


Characteristics

  • In an up market or a flat market we will create income at approximately 2% per month.
  • In a down market more income is created but it is used to offset the market decline. This offset usually amounts to more than one-half of the decline. Your portfolio loses only half as much as it might have by not using the process.

Safety

  • This process is less risky than owning any of the major indexes such as the Dow, S&P 500 or Nasdaq.

Net Results

  • More income and less risk for your portfolio.

How It Works

  • The T24 process is best used in tax-free accounts, such as an IRA, 401K or non-profit endowment. This is due to the taxable nature of the income created.
  • Call us!, we will be happy to explain the process and all other features to you.

Current

  • Click here to request the current Newsletter

Archive

Please Note:
The information contained in the Tonge Telegraph Archive is for historical research or reference only. This information is dated material and should not be considered current.


2012

  • January 2012: Happy Happy New Year ... Maybe
  • February 2012: Sunrise
  • March 2012: Calm
  • April 2012: A Teeter-Totter and the Wall of Worry

2011

  • January 2011: Ave atque Vale
  • February 2011: 80% (Gulp?)
  • March 2011: Changes There and Here
  • April 2011: Black Swan Flyby
  • May 2011: 42 cents, the Fed and The Wall of Worry
  • June 2011: Mirabile dictu
  • July 2011: Fasten Your Seatbelts ...
  • August 2011: What Matters, What Doesn't
  • September 2011: Empy Hat
  • October 2011: Match-ups
  • November 2011: Trick or Treat
  • December 2011: THROW THE BUMS OUT

2010

  • January 2010: New Year New Decade
  • February 2010: Half Full
  • March 2010: On High Wires & Juggling
  • April 2010: Bulls and Bears
  • May 2010: It's a jungle out there
  • June 2010: Sell in May...
  • July 2010: The Perils of Pauline
  • August 2010: How Sweet It Isn't
  • September 2010: Blue ? Gray ? Striped?
  • October 2010: The New Normal
  • November 2010: Another Horizon
  • December2010: Up, Up, and A-w-a-a-y

2009

  • January 2009: 7-Up
  • February 2009: Miracle Off Manhattan
  • March 2009: "Adverse Feedback Loop"
  • April 2009: Swing Time
  • May 2009: 100 Days and Beyond...
  • June 2009: Scaling That "Wall of Worry"
  • July 2009: Calm, Not Placid
  • August 2009: Hot Enough for Ya? (No, not really.)
  • September 2009: The shape of the Recovery
  • October 2009: Lest We Forget
  • November 2009: 10 Grand
  • December2009: HO HO HO

2008

  • January 2008: May You Live In Interesting Times (Ancient Chinese Curse)
  • February 2008: Can You Hear Us Now?
  • March 2008: Downturns and Opportunities
  • April 2008: Fed to the Rescue
  • May 2008: A Breath of Spring
  • June 2008: Such a Pickle
  • July 2008: Jaws
  • August 2008: Convention Time
  • September 2008: Searching for Leadership
  • October 2008: The Edge of the Abyss
  • November 2008: Where Do We Start?
  • December 2008: Where Are We Now?

2007

  • January 2007: Happy New Year!
  • February 2007: Status Quo
  • March 2007: Gray Tuesday
  • April 2007: The Lion and the Lamb
  • May 2007: The Economy—Slipping? Sliding?
  • June 2007: China, and so on...
  • July 2007: Fed Holds Steady
  • August 2007: Dog Days? Or Maybe Not...
  • September 2007: Soup du Jour
  • October 2007: Autumn Thoughts
  • November 2007: A Treat
  • December 2007: Season to be Jolly?

2006

  • January 2006: Predictions
  • February 2006: Exit Maestro
  • March 2006: Markets Advance
  • April 2006: Throwing Curves at Us
  • May 2006: Bond Pricing
  • June 2006: Goldilocks
  • July 2006: Weather Report
  • August 2006: Dog Days
  • September 2006: Consumer Confidence
  • October 2006: Election-Year Economy
  • November 2006: Changes
  • December 2006: That Blinking Yellow Light

2005

  • January 2005: Looking Backward and Forward
  • February 2005: What's in a Game
  • March 2005: What Is, Is
  • April 2005: April Showers
  • May 2005: Keeping an Eye Out
  • June 2005: Good News vs. Bad News
  • July 2005: Guilty Verdicts
  • August 2005: Watching the Dogs of Summer
  • September 2005: The "R" Word
  • October 2005: Contrasting Views
  • November 2005: Presidential Appointees and Us
  • December 2005: The Investment of Giving

2004

  • January 2004: New Year Resolutions
  • February 2004: Copacetic
  • March 2004: Shaking the Crystal Ball
  • April 2004: The Markets Stall
  • May 2004: Bulls vs. Bears
  • June 2004: Measuring the Glass
  • July 2004: Steady as She Goes
  • August 2004: Decisions, Decisions
  • September 2004: Happy New Year!
  • October 2004: Jobs, Oil and the Fed
  • November 2004: Saving the Republic
  • December 2004: Lows and Highs

2003

  • January 2003: Year 2002 is Over
  • February 2003: Still Waiting
  • March 2003: Perspectives
  • April 2003: Crocuses
  • May 2003: Congratulations
  • June 2003: Time for a Breather
  • July 2003: Smoother Sailing
  • August 2003: New Co-Workers...New Rule
  • September 2003: The Moment of Truth
  • October 2003: Jobs...Earnings...Market Conditions
  • November 2003: Happy Halloween
  • December 2003: Whoville

2002

  • January 2002: Resolutions to Keep
  • February 2002: Good News / Bad News
  • March 2002: What a Concept!
  • April 2002: Teenagers
  • May 2002: Business News
  • June 2002: Summer Begins
  • August 2002: Bring on the Heat
  • September 2002: Fall Begins
  • October 2002: War is Coming
  • November 2002: A Tale of Two Investors
  • December 2002: For George

Forms

Tonge Forms

  • Individual Investment Advisory Agreement
  • Tonge Investment Services Brochure
  • Tonge Investments Privacy Policy

Charles Schwab Account Forms

  • Account Transfer Form
  • Beneficiary Designation Form
  • Schwab Change of Address Form
  • Schwab IRA Account Application
  • Schwab Option, Margin and Short Account Trading Application
  • Schwab MoneyLink® Authorization Form
  • Schwab One® Account Application
  • W-9 Form
  • Wire Transfer Letter of Authorization

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Contact

Tonge Investment Services
859 Kennedy Memorial Drive
PO Box 277
Oakland, ME 04963
Phone: 207-877-7762 or 800-546-7762
Fax: 207-877-7868
E-Mail: rick@ricktonge.com