Oxford Income Letter Review 2024

What is Oxford Income Letter

The Oxford Income Letter, a flagship publication from The Oxford Club, stands as a testament to the club’s reputation as a private, global consortium of discerning investors and entrepreneurs.

With its roots tracing back to 1989 when it was initially named The Passport Club, The Oxford Club rebranded in 1991 and has since grown its membership to over 140,000 across 154 countries. This broad and diverse membership base is drawn to the club’s commitment to sharing knowledge and investment strategies that aim to enrich its community.

Under the stewardship of Marc Lichtenfeld, the Oxford Income Letter has outlived and outperformed many of its peers, setting a high standard for longevity and relevance in the financial newsletter space. The service is renowned for its comprehensive offerings, including meticulously selected stock picks, insightful bonus reports, timely alerts, and carefully curated model portfolios.

The combination of The Oxford Club’s global perspective and Marc Lichtenfeld’s expert guidance through the Oxford Income Letter offers a unique and valuable toolkit for achieving financial success.

Oxford Income Letter is best for…

Long-term investors, like myself, who are looking to diversify their portfolio using dividend stocks and reach their financial goals. While Oxford Club offers various subscription services, the Income Letter is their beginner-friendly newsletter service that focuses primarily on corporate bonds and dividend stocks.

The Income Letters aims to help subscribers achieve financial independence through consistent income from their monthly recommendations. Stock recommendations are released on a monthly basis, but an individual’s actual portfolio performance is highly dependent on whether or not they select successful stocks from the recommended options.

External Oxford Income Letter Reviews & Ratings

Firsthand User Experience with Oxford Income Letter

A thorough Oxford Income Letter review must include real reviews from users other than myself. The Oxford Income Letter Reddit reviews are scarce and uninformative. Here are some of the most telling reviews I was able to find on TrustPilot:

Oxford Income Letter Customer Review Analysis

As for negative Oxford  Income Letter reviews I was able to find, most of them were complaints about frequent emails trying to upsell additional products and services. Most companies do this exact same thing, but some of the previous Oxford Income Letter subscribers felt the amount of emails was excessive. A few reviewers even claimed that after unsubscribing, they were still bombarded with emails.

Assuming that these complaints are merited, you may want to consider signing up with an alternative email address.

Top Features of Oxford Income Letter

Here is a list of the features that I found most beneficial with Oxford Income Letter:

Monthly Newsletter: Every month, Oxford Income Letter subscribers get a digital newsletter. This publication is the flagship newsletter and introduces a fresh stock idea, providing its history, relevance for yield generation, and other relevant context.

The stock pick includes portfolio allocation, risk management suggestions like a typical 25% trailing stop, and tax placement advice. If a stock hits its stop-loss limit, a mid-month update gets dispatched. The monthly issue also has three distinct segments—divulging what professional investors are up to, news that impacts fixed income, and added insights on new or prior stock recommendations.

There’s a section where Marc responds to reader queries. This nine-page document serves as a comprehensive guide for subscribers, with an added tip to utilize stock research websites for further due diligence.

Historically, the investments recommended here have yielded an average return of 17.53% over an average 20-month holding period.

Model Portfolios: The Oxford Income Letter stands out with a range of portfolios, four unique model portfolios to be exact. The “Compound Income Portfolio” emphasizes companies known for their consistent dividend growth.

The “Instant Income Portfolio” allows subscribers to quickly start accumulating dividends. The “High Yield Portfolio” comprises companies offering substantial yet sustainable dividend rates.

Lastly, the “Fixed Income” presents opportunities in corporate and alternative bonds with promising payouts. Subscribers can effortlessly chase multiple dividend tactics and receive dividends monthly.

Each portfolio varies in its number of recommendations; for instance, as of July 2023, one had just three picks, while another featured 22. Performance metrics of each stock, from the time of its original recommendation, are regularly updated for subscribers.

Special Reports: These delve deeper into recent recommendations, providing extensive research and aiding in enhancing subscribers’ income investment prowess.

Tax Optimization: The letter offers valuable insights into achieving optimal tax benefits from dividend income. It suggests the ideal account type, taxable or tax-advantaged, for each stock to minimize unexpected tax burdens.

Subscription Levels: The Oxford Income Letter presents varied subscription tiers. Each premium subscription or annual subscription offers a wide range of features, ensuring tailored solutions for every subscriber’s needs. Whether opting for a basic subscription or a one-year subscription, the focus remains on yielding steady dividends and regular income.

Oxford Income Blasts: Delivers urgent trading insights.

Pillar One Advisors Access: Members can seek expert opinions on specific market segments.

Bonus Reports for New Members: Offers insights into opportunities in the oil, gas, and gold sectors.

“Get Rich with Dividends” Book: New subscribers receive a free copy of Marc’s best-selling dividend-investing book, highlighting dividend-rich companies.

“Dividend Riches” Vdeo Series: Marc presents a six-part series detailing strategies for maximizing passive income.

365-Day Money-Back Guarantee: Ensures member trust and satisfaction.

• Allows members to fully explore the newsletter and its resources.
• Members unsatisfied with the service can claim a full refund.
• They can keep all the materials received during the subscription period.

Oxford Income Letter Review: The Pricing & Plans

There are three subscription levels of the Income Letter: Standard, Deluxe, and Premium. Each offering is an annual subscription, and there are no monthly or quarterly billing options available.

However, the subscriptions do come with a 365-day money-back guarantee. This means you can get a full refund within your first year, and you won’t even need to return the free gifts you’ve received (if applicable).

Standard ($79 per year)

This annual subscription provides a digital subscription only. “Standard” costs $49 for your first year, but the price rises to $79 annually for the following years.

Deluxe ($129 per year)

The “Deluxe” plan gives you a digital subscription to the Income Letter with both email and website access.

Pricing is subject to change and Oxford Income Letter offers periodic special discounts. Click Here to see the current pricing.

Check Oxford Income Letter’s website to confirm current pricing and full terms.

Premium ($249 per year)

This plan is the only one to include a physical copy of the Income Letter, delivered to your residence monthly. You’ll also be able to access the letters digitally, along with the four individual portfolios.

Premium subscribers receive a variety of additional perks, including two special reports, a hard copy of “Get Rich with Dividends,” and a digital copy of “101 Ways to Grow and Protect Your Retirement Savings.”

The “Premium” plan will cost $79 for your first year; this price rises to an annual cost of $249 after your first year.

Pricing is subject to change and Oxford Income Letter offers periodic special discounts. Click Here to see the current pricing.

Deep Dive into Dividend Investing Strategies

Dividend investing is a strategy embraced by many who seek not just immediate income but also long-term wealth accumulation. This section delves into the critical aspects of dividend investing, offering insights into dividend yields, the impact of reinvestment, and the importance of diversification within dividend stocks.

Marc Lichtenfeld’s 10-11-12 System

At the heart of the Oxford Income Letter, and what really sets its recommendations apart, is something I’ve come to admire deeply: Marc Lichtenfeld’s 10-11-12 system. Through this unique strategy, he guides subscribers every month on how to fully utilize dividends and various income-generating tactics. It’s about unlocking the potential of your investments in a way that’s both strategic and sustainable over the long haul.

The clever naming of the 10-11-12 system reflects Marc’s ambitious yet attainable goal for investors: to secure 11% yields and achieve 12% annual returns across a decade. The approach focuses on selecting stocks that offer at least a 4% yield right off the bat, coupled with an anticipated dividend growth rate of 10% annually.

This method promises not just to reach but to surpass an 11% yield after a decade, even while focusing on some of the most stable stocks available.

When you break down the numbers, the potential for growth becomes even more compelling. Aiming for a 12% return each year can more than triple your investment over a decade, turn it into five times its original value in 15 years, and result in a tenfold increase after 20 years.

It’s this blend of ambitious yet realistic targets that makes the 10-11-12 system a cornerstone for anyone looking to build wealth through dividends and is one of the main selling points of the Oxford Income Letter. Want to learn the specifics of the 10-11-12 system? Click Here to learn more.

Marc touches on his 10-11-12 system in the entertaining video below:

Understanding Dividend Yields and Growth

Dividend yield, calculated as a percentage of a company’s annual dividends relative to its stock price, serves as a crucial indicator for investors. It not only reflects the immediate income potential of an investment but also offers insights into the company’s financial health and stability.

A higher yield might be attractive, but it’s essential to assess it in the context of the overall market and the specific industry to ensure it’s sustainable and not a red flag for financial distress.

The importance of dividend growth for long-term wealth accumulation: While current yield is an important factor, dividend growth over time can be equally, if not more, significant for long-term investors. Companies that consistently increase their dividends are often well-managed, financially stable, and committed to returning value to shareholders.

Investing in such companies can lead to exponential growth in income streams, outpacing inflation and increasing the investor’s purchasing power over time.

Reinvesting Dividends for Compounding

The power of dividend reinvestment plans (DRIPs) in accelerating portfolio growth: DRIPs allow investors to automatically reinvest their dividend payouts to purchase additional shares of the stock, compounding their investment without additional out-of-pocket expenses.

This reinvestment strategy can significantly accelerate portfolio growth, leveraging the power of compounding to increase the number of shares owned and, consequently, the total dividend income received over time.

Case studies of successful long-term compounding through dividends: Numerous real-life examples underscore the effectiveness of dividend reinvestment in building substantial wealth.

For instance, investors who reinvested dividends from top-performing companies have often seen their initial investments grow manifold over decades, illustrating the profound impact of compounding on wealth accumulation.

Diversification within Dividend Stocks

Balancing high-yield with dividend growth stocks for a resilient portfolio: A well-rounded dividend portfolio should include a mix of high-yield stocks for immediate income and dividend growth stocks for future income potential. High-yield stocks can provide a steady income stream, but they may carry higher risks.

On the other hand, dividend growth stocks might start with lower yields but offer the promise of increasing payouts and capital appreciation over time, contributing to portfolio resilience.

Sector diversification to mitigate risks associated with dividend investing: Diversifying across various sectors can help mitigate the risks inherent in dividend investing.

Different industries respond differently to economic cycles; for example, utilities and consumer staples often provide stable dividends even during downturns, while technology and industrial sectors might offer more substantial growth in booming economies.

By spreading investments across multiple sectors, investors can protect their portfolios from sector-specific downturns and enjoy a more stable and growing income stream.

Analyzing Oxford Income Letter’s Model Portfolios

The Oxford Income Letter’s model portfolios are at the core of its strategy, designed to guide subscribers towards achieving their income and investment goals. This section explores the performance and strategic composition of these portfolios, providing insights into their effectiveness and approach to asset allocation.

Performance Review and Historical Returns

The historical performance of Oxford Income Letter’s model portfolios is a testament to their strategic planning and market adaptability. Each portfolio’s returns are meticulously tracked and reported, offering subscribers a transparent view of their potential growth and income generation over time.

To put the performance of the model portfolios into perspective, it’s essential to compare them with relevant benchmark indices. This comparison not only highlights the portfolios’ ability to outperform the general market but also showcases their resilience during market downturns.

Portfolio Construction and Asset Allocation

The construction of the Oxford Income Letter’s model portfolios is grounded in a strategic approach to asset allocation. The newsletter’s experts carefully select a mix of assets, including dividend-paying stocks, bonds, REITs, and MLPs, to build diversified portfolios aimed at generating sustainable income.

Balancing risk and return is a critical aspect of portfolio management, especially in income-focused investing. The Oxford Income Letter employs a thoughtful approach to diversify across various asset classes and sectors, thereby spreading risk and enhancing the potential for stable returns.

This balance is achieved through meticulous research and analysis, ensuring that subscribers’ portfolios are well-positioned to weather market volatility while striving for consistent income generation.

The Brains Behind Oxford Income Letter: Marc Lichtenfeld

A review of the Oxford Income Letter wouldn’t be complete without an in-depth look into the brains behind the operation, Marc Lichtenfeld. Marc stands as a leading figure in the financial domain, holding the prestigious title of Chief Income Strategist at The Oxford Club, where he plays a critical role in shaping financial strategies and offering investment guidance.

Many investors’ journey into the financial world was significantly influenced by Marc’s insights, especially given his expertise in dividend stocks and his proprietary 10-11-12 System, which aims for 11% yields and 12% average annual total returns over a decade. This innovative approach has not only shaped the investment strategies at The Oxford Club but has also guided countless individuals towards achieving their financial goals.

His insights have graced the pages of top financial publications such as The Wall Street Journal, Barron’s, and U.S. News & World Report, among others. Before his tenure at The Oxford Club, he contributed his expertise as a senior columnist at Jim Cramer’s TheStreet, further solidifying his reputation in the financial sector.

Marc’s influence extends beyond print, as he is a familiar face on major media outlets like CNBC, Fox Business, and Bloomberg Radio, sharing his expertise and contributing to the broader conversation on financial planning and investment.

His written works, including “You Don’t Have to Drive an Uber in Retirement” and “Get Rich with Dividends” (now in its third edition), have not only achieved international bestseller status but have also been recognized for their contribution to financial literacy, with the latter winning an Institute for Financial Literacy Book of the Year Award.

As the Senior Editor of the Oxford Income Letter, based on his groundbreaking 10-11-12 System, Marc has demonstrated an unwavering commitment to empowering individuals with the knowledge and tools necessary for financial success.

His daily column, Wealthy Retirement, enjoys a readership of over 200,000, a testament to his ability to simplify complex financial concepts and make them accessible to a broad audience. In reviewing Marc Lichtenfeld’s career and contributions, it’s clear to me that he is not just a seasoned analyst and strategist but a pivotal figure in financial education and empowerment.

Oxford Income Letter Competitors

No Oxford Income Letter review would be complete without a look at some of the alternatives. One of the main competitors comes from within the same Oxford Club umbrella, I’m talking about the Oxford Communique.

While the Oxford Income Letter is focused on fixed income investments, the Oxford Communique is better suited for active investors. The Oxford Communique offers a mixture of recommendations on large-cap stocks as well as smaller, lesser-known growth stocks.

By combining both of these investment newsletters in your research, you could build a diverse portfolio of both income and dividend-paying stocks. This Oxford Communique review will help you decide if it is worth bundling both services together.

Another alternative to Oxford Income Letter is Simply Wall St. If you are a visual learner on the lookout for timely stock picks, Simply Wall St is worth a look. Simply Wall St has received stellar reviews from the likes of industry titans such as Forbes and CNBC. To find out what they like about them, check out this Simply Wall St review.

Is Oxford Income Letter Worth it?

For most people trying to reach their investment goals, the Oxford Income Letter is worth it. With its focus on investment recommendations, I think it is priced affordably.

With the basic subscription, subscribers receive a monthly newsletter filled with Marc Lichtenfeld’s insights. The one-year subscription offers a significant discount off the normal subscription cost and comes packed with additional benefits.

The newsletter also emphasizes dividend stocks, which are crucial for regular income.

Furthermore, the premium subscription provides more in-depth analysis, ideal for long-term investors. Besides the monthly newsletter, there are weekly updates to keep subscribers informed. The investment strategy provided can guide subscribers toward achieving double-digit returns and ensuring future income.

For those willing to further enhance their investment journey, the annual subscription offers even more perks. Premium subscribers can access a wealth of investment news and model portfolios. Retirement savings are emphasized, with a focus on ensuring a steady passive income stream.

In conclusion, the Oxford Income Letter offers various subscription levels, each tailored to cater to different investment needs. In my opinion, its value-packed content and investment insights make it an essential tool for income investors.

Is Oxford Income Letter Right for You?

Investors have many different stock picking and advisory services to choose from. However, the Oxford Club’s Income Letter separates itself from other subscription services by focusing mainly on dividend stocks and corporate bonds.

This makes the Income Letter an excellent option for those seeking to earn continual income using their retirement savings (via dividends). It’s also recommendable for long-term investors in general.

That said, no investment services can guarantee consistent gains with minimal losses, regardless of how well-known or respected they are. Therefore, we would caution investors—especially retirees—against relying solely on Income Letter recommendations. We believe using the Income Letter alongside additional services will yield the best results.

If you’re interested in diversifying your portfolio with high-yield dividends and corporate bonds, then the Oxford Income Letter is likely a smart choice for you. Take advantage of the promotional offer (and enjoy a few free gifts) by signing up for your risk-free trial of the service here.