The Oxford Income Letter is a monthly newsletter from The Oxford Club that focuses on dividend stocks and income-generating investments, led by income strategist Marc Lichtenfeld. If you’re looking for ways to build steady income through the stock market, you’ve probably come across this service while researching investment newsletters. The Oxford Income Letter costs $249 per year at regular price but is often offered at a discounted rate of $49, making it one of the more affordable premium investment newsletters available.
We decided to take a close look at what subscribers actually get for their money. The service promises to help investors find safe dividend stocks and growing income opportunities, but does it deliver real value? In this review, we’ll break down everything from Marc Lichtenfeld’s investment strategies to the actual stock picks and research you receive.
We’ll also examine the subscription costs, member support, and who this newsletter works best for. Whether you’re a beginner looking for your first income investments or an experienced investor wanting to expand your dividend portfolio, this The Oxford Income Letter review will help you decide if The Oxford Income Letter is worth your time and money.
What Is The Oxford Income Letter?
The Oxford Income Letter is a monthly investment newsletter published by The Oxford Club. It focuses specifically on income investing strategies, particularly dividend-paying stocks and income-generating assets.
Marc Lichtenfeld writes this newsletter as The Oxford Club’s Income Strategist. The service has been around for over 30 years, making it one of the more established investment newsletter services in the financial publishing industry.
Key Features:
- Monthly newsletter issues with stock recommendations
- Weekly portfolio updates every Thursday
- Research reports on income opportunities
- Focus on dividend stocks and ETFs
The newsletter targets people who want to build steady cash flow from their investments. This makes it popular with retirees and those planning for retirement who need regular income from their portfolios.
The Oxford Income Letter typically costs $249 per year at its regular price. However, they frequently offer promotional pricing as low as $49 for new subscribers.
What You Get:
- Stock picks focused on dividends
- Analysis of income-generating investments
- Access to model portfolios
- Weekly market updates
We found that subscribers need around $1,000 to get started with the recommendations. The newsletter emphasizes building a portfolio of dividend stocks and exchange-traded funds that can produce reliable income over time.
The service positions itself as suitable for beginning investors who want to learn about income investing. It provides educational content alongside the specific investment recommendations each month.
Who Is Marc Lichtenfeld?
Marc Lichtenfeld serves as the Chief Income Strategist at The Oxford Club. He’s the main editor behind The Oxford Income Letter and brings several decades of investment experience to the table.
His background includes work as a trader, senior analyst, and fund manager. We found that he has a strong track record in the biotech sector, where he’s reportedly outperformed major indexes like the S&P 500 and S&P Healthcare Index.
Lichtenfeld is best known for his expertise in dividend investing. He authored a book called Get Rich with Dividends, which outlines his approach to building wealth through income-focused investments.
As an editor, he doesn’t just write The Oxford Income Letter. He also manages several other Oxford Club services:
- Technical Pattern Profits
- Penny Options Trader
- Oxford Bond Advantage
- Predictive Profits
His main focus centers on finding dividend-paying stocks and other income-producing assets. He uses his experience to analyze market trends and recommend investments that aim to generate regular income for subscribers.
Lichtenfeld has been with The Oxford Club for many years. His role involves sending monthly newsletters, market updates, and buy/sell alerts to subscribers. The recommendations he makes typically align with his dividend-focused investment philosophy.
We should note that he presents himself as someone who helps everyday investors build passive income streams. His approach tends to favor more conservative, income-generating investments over high-risk growth plays.
Investment Strategies and Model Portfolios
The Oxford Income Letter uses Marc Lichtenfeld’s 10-11-12 System as its main approach to building wealth through dividend investing. The service provides four different model portfolios that focus on income-producing strategies suited to different investor needs.
10-11-12 System Explained
The 10-11-12 System is Marc Lichtenfeld’s approach to dividend investing. It works by targeting stocks that can deliver 10% annual yields, 11% dividend growth rates, and the potential to double your money in 12 years through compound income.
This system focuses on finding dividend-paying stocks that meet specific criteria. We look for companies with strong financials and a track record of raising dividends each year. The goal is to create a portfolio where dividend payments grow over time.
The 10-11-12 approach differs from just chasing high-yield dividend stocks. Instead of picking stocks with the highest current payouts, we select companies that can increase their dividends steadily. This strategy helps build compound income that grows bigger each year.
Dividend Growth Strategy
The dividend strategies used by The Oxford Income Letter prioritize long-term growth over quick gains. We focus on companies that have proven they can raise dividend payments year after year.
Income investing through this approach means looking at a company’s ability to sustain and grow its dividends. We examine cash flow, earnings stability, and the company’s dividend history. This helps us avoid dividend traps where high yields might not last.
The dividend portfolio approach also includes reinvesting dividends to speed up wealth building. By putting dividend payments back into more shares, we increase future dividend income without adding new money.
Model Portfolio Breakdown
The Oxford Income Letter includes four distinct income portfolios:
- Instant Income Portfolio – Targets high-yield dividend stocks for immediate cash flow
- Dividend Growth Portfolio – Focuses on companies that regularly increase dividend payments
- Compound Income Portfolio – Combines growth and income for long-term wealth building
- Fixed Income Portfolio – Includes bonds and other fixed-income investments for stability
Each model portfolio serves a different purpose in income investing. The Instant Income Portfolio works well for investors who need cash flow right now. The Compound Income Portfolio suits those building wealth over many years.
We can use one portfolio or mix several based on our financial goals. The fixed income portfolio adds bonds to balance risk from stocks.
Stock Picks, Recommendations, and Research Approach
The Oxford Income Letter delivers one to two stock picks each month. These recommendations focus on dividend stocks that can provide steady income over time.
Marc Lichtenfeld and his team research companies based on their ability to pay and grow dividends. We found that the service tracks dividend yields closely to help subscribers earn regular income. The newsletter doesn’t just chase the highest yields available. Instead, it looks for stable companies that can maintain payments long-term.
The service provides four model portfolios:
- Three portfolios of dividend stocks
- One portfolio of fixed-income investments including corporate bonds
Each month, subscribers receive detailed research explaining why certain stocks made the cut. The weekly updates keep us informed about major changes affecting our holdings. This helps us stay on top of our investments without doing all the research ourselves.
The approach emphasizes quality over quick gains. We noticed the focus on blue-chip corporate bonds and established dividend-paying companies. This strategy aims to reduce risk while building income streams.
Stock recommendations come with analysis of the company’s financial health and dividend history. The team evaluates whether a business can keep paying dividends during economic downturns. They also look at dividend growth potential over the years ahead.
We appreciate that the service provides specific entry points and position sizing guidance. This makes it easier to follow the recommendations without guessing how much to invest. The research approach balances current yield with future growth potential to help build a reliable income portfolio.
Subscription Options and Costs
The Oxford Income Letter offers several subscription tiers to fit different budgets and needs. We found that pricing varies depending on which level you choose.
The basic subscription starts at $49 for the first year. This digital-only subscription includes a monthly newsletter delivered electronically. After your first year, the renewal price goes up to $79 annually.
The premium subscription costs $79 for your first year and $249 per year after that. This tier adds extra value beyond the digital newsletter. You get a hardcover copy of the newsletter mailed to your home each month. The premium subscription also includes access to four model portfolios and special reports.
We noticed the standard subscription sits between these two options. It provides the core newsletter content without all the premium extras. Pricing for this tier typically falls around $79 per year.
All subscription levels give you access to Marc Lichtenfeld’s investment recommendations and his 10-11-12 System. You also get weekly email updates about portfolio news and breaking market information.
The bonus reports included with premium memberships cover specific investment strategies. These special reports dive deeper into topics like fixed income portfolios and dividend-focused investing approaches.
The oxford income letter cost is generally lower in your first year as an introductory offer. We recommend paying attention to renewal prices when you sign up. The difference between first-year and renewal pricing can be significant, especially for premium subscriptions.
Member Support and Guarantees
The Oxford Income Letter provides multiple support channels for members who need help. Customer service is available through email and phone during business hours. Members can reach out with questions about their subscription, account access, or investment recommendations.
The service includes a money-back guarantee for new subscribers. If you’re not satisfied with the newsletter, you can request a full refund within a specific timeframe after joining. This refund policy lets you try the service without much risk.
Regular Communication Includes:
- Oxford Income Weekly – Email updates sent each week
- Weekly portfolio updates – Current status of recommended investments
- Oxford Income Blasts – Breaking news alerts when urgent action is needed
- Monthly issues of the main newsletter
The weekly updates keep members informed about important changes. You don’t have to wait for the monthly newsletter to learn about major market events or portfolio adjustments.
We found that the customer service team responds to most inquiries within one to two business days. Phone support offers faster answers for urgent questions.
Members get access to a dedicated members area on The Oxford Club website. This portal contains archived issues, current portfolio holdings, and educational resources. You can also manage your subscription and billing information through this platform.
The combination of regular updates and accessible support helps members stay informed. The money-back guarantee provides protection for those testing the service for the first time.
Target Audience and Suitability
The Oxford Income Letter works best for specific types of investors. We’ve found it targets people who want to build passive income streams through dividend-paying stocks.
Who Benefits Most:
- Investors planning for retirement savings
- People seeking regular monthly income from their investments
- Those interested in income investments over growth stocks
- Investors comfortable with a long-term strategy
The newsletter focuses heavily on creating monthly payouts through dividend stocks. This makes it useful for anyone building a retirement cash calendar. We think it suits both newer investors learning about passive income and experienced ones looking for fresh ideas.
The service may not fit everyone though. Active traders who want quick profits won’t find much value here. The strategies focus on steady income over time, not fast gains.
Best For:
- Ages 40-70 planning retirement
- Conservative investors
- People wanting $500-$2,000+ monthly income
- Those willing to invest $10,000 or more
Not Ideal For:
- Day traders
- People wanting only growth stocks
- Investors with very small portfolios
- Anyone seeking get-rich-quick schemes
We believe the newsletter serves middle-income investors best. You need enough capital to build a diverse portfolio of dividend stocks. The monthly format and income focus make it practical for people who want to spend less time researching individual stocks themselves.
The service provides a clear path to building passive income. But it requires patience and consistent investing to see meaningful results.
Pros and Cons of The Oxford Income Letter
After looking into this newsletter service, I’ve found some clear benefits and drawbacks worth considering.
The Pros:
- Low entry price – The regular rate is $249 per year, but they often offer it for just $49. That’s pretty affordable compared to other investment newsletters.
- Monthly updates plus extras – You get the main newsletter each month, plus weekly updates and research reports.
- Focus on income – If you’re looking for dividend-paying stocks and consistent yields, this newsletter stays focused on that goal.
- Experienced editor – Marc Lichtenfeld brings fund management and biotech expertise to the table.
- Access to The Oxford Club – Subscribers join a community of over 150,000 members worldwide.
The Cons:
- Monthly frequency – Some investors might want more frequent main updates instead of just once a month.
- Narrow focus – The emphasis on dividend and income stocks means it’s not helpful if you’re looking for growth stocks or other investment types.
- Upsells and promotions – Like many newsletter services, they market additional products and special opportunities.
- Performance not guaranteed – No investment newsletter can promise results, and past recommendations don’t guarantee future success.
The service seems best suited for investors specifically interested in building passive income through dividends rather than those seeking diverse investment strategies.