In the diverse world of investment, dividend investing holds a special appeal. It’s understandable, given that dividends can earn returns even when the market is static or declining.
Yet, the challenge lies in identifying companies that not only offer stable dividends but are also well-managed. This is where the Oxford Income Letter steps in as one of the best investment newsletters. This review expands more on what the platform offers.
Learn More About Oxford Income Letter
What is the Oxford Income Letter
The Oxford Income Letter is a newsletter focused on dividend stock investment. Priced affordably at an annual subscription of just $49, it’s a popular choice for investors looking to find stocks with sustainable, above-average yields. Its low cost is a primary reason for its popularity.
This monthly newsletter showcases three model portfolios consisting of dividend stocks and one portfolio of fixed-income bonds.
It aims to guide investors towards solid dividend opportunities, steering clear of the common pitfall of chasing the highest yields without proper analysis.
Each issue provides detailed research and new stock ideas. Additionally, weekly updates inform subscribers about significant developments related to recommended stocks and other dividend-centric topics.
Who Is It Ideal For?
Ideal Subscriber Profile:
Dividend Growth Investors
Those focusing on dividend growth will find the Oxford Income Letter particularly valuable. The stock recommendations consider dividend yield and growth potential, aligning with the goals of dividend growth investors.
Seeking Individual Stock Exposure
If you’re interested in individual dividend stocks rather than investing in dividend ETFs, this newsletter offers a more personalized approach to building your portfolio.
The Oxford Income Letter is a practical resource for anyone looking deeper into dividend investing.
Subscription Packages and Costs
The Oxford Income Letter offers a range of subscription packages, each designed to cater to different needs and budgets of dividend investors. Let’s explore these options and their costs so you can choose the one that best fits your investment strategy.
1. Premium Package:
- Cost: The Premium package is priced at $79 per year, a significant discount from the standard price of $249.
- 12 digital issues of the Oxford Income Letter.
- Full access to four model portfolios.
- Three special reports.
- A complimentary hardcover copy of “Get Rich with Dividends” by Marc Lichtenfeld.
- Value: This package offers comprehensive access, making it highly valuable for those seeking in-depth insight into dividend investing. The additional resources like special reports and the book enhance your understanding of dividend strategies.
2. Standard Package:
- Cost: The Standard subscription starts at $49 for the first year, followed by an annual renewal fee of $79.
- Access to the monthly issues.
- The Ultimate Dividend Package of curated special reports.
- Overview: This budget-friendly option is ideal if you are primarily interested in the monthly insights and curated reports on dividend investing.
3. Ultimate Dividend Package (Free)
- Cost: Free.
- Special reports like “My #1 Dividend Stock” and “The Safest 8% Dividend in the World.”
- Educational materials to enhance dividend investing skills.
- Updates: Regular email updates to stay abreast of the latest in dividend investing.
- Flexibility: Option to upgrade to a paid subscription later.
The ongoing subscription fee of $79 after the first year is a compelling aspect, especially considering such rates are often promotional for the first year in other stock newsletters.
This affordability is a significant reason for the service’s appeal, as it offers valuable investment ideas without a hefty price tag.
Features and Benefits of the Oxford Income Letter
Subscribing to the Oxford Income Letter opens up a world of dividend investing insights and tools. Here’s a detailed look at what you can expect from this resource:
The digital newsletter, issued monthly, provides a comprehensive analysis of a new stock pick each month. This includes the company’s background, reasons for its suitability for yield earning, and its fit within the Oxford portfolios.
Each recommendation includes a 25% trailing stop to mitigate risk and advice on placing the stock in taxable or tax-deferred accounts. Mid-month updates are sent if a position hits its stop-loss threshold.
The newsletter also features sections like ‘Follow The Smart Money,’ ‘Fixed Income,’ and ‘Snapshot’ for broader market perspectives and further analysis of stock picks.
‘Marc’s Mailbag’ allows subscribers to view responses to reader queries, adding an interactive and personalized touch.
The Oxford Income Letter offers a comprehensive suite of resources, notably through its model portfolios. These portfolios cater to various investment goals and strategies:
Compound Income Portfolio
This portfolio is tailored for investors seeking companies that have a track record of increasing their dividend yields consistently, making it ideal for those focused on steady, long-term growth.
Instant Income Portfolio
Designed for those who need to generate immediate income, this portfolio is perfect for investors who want to put their funds to work right away, with the aim of using dividends to cover near-term expenses.
High Yield Portfolio
For those willing to embrace a bit more risk for the chance of higher returns, this portfolio zeroes in on companies offering higher dividend rates but still maintains a focus on sustainability.
Fixed Income Portfolio
This includes investments in individual blue-chip corporate bonds and alternative bonds with high payout potential, diversifying beyond traditional stock picks.
Each portfolio offers a unique approach, allowing subscribers to align their investments with their specific financial goals, whether immediate income, consistent growth, or higher yield potential.
In addition to these portfolios, the Oxford Income Letter enriches its subscribers’ knowledge and strategy through special reports.
These reports provide an in-depth look at specific investment recommendations or broader strategic insights, both as a deep dive into particular stocks and as educational tools for refining dividend investment skills.
Furthermore, a notable aspect of the newsletter is its focus on tax optimization. Recognizing that dividends can form a crucial part of one’s income, whether in the working years or during retirement, the newsletter guides subscribers on how to position their stocks for the best tax efficiency.
This advice, akin to the benefits offered by free investing apps in minimizing fees, includes strategies for placing stocks in either taxable or tax-advantaged accounts to manage potential tax liabilities effectively.
Oxford Income Letter Investment Performance
The Oxford Income Letter, since its launch in 2013, has established a robust track record in investment performance. It boasts a historical average return of 17.53%, a testament to its effective investment strategies over an average holding period of about 20 months.
This duration reflects a balanced approach, blending the potential for short-term gains with the benefits of longer-term growth.
A defining feature of the Oxford Income Letter’s approach is its emphasis on selecting stocks with solid fundamentals and sufficient liquidity.
This careful selection process steers clear of the often volatile and high-risk penny stocks, favoring instead more stable and reliable investment options.
Such a strategy not only aims to provide subscribers with potentially profitable opportunities but also ensures that these investments are grounded in financial stability and prudence.
In essence, the investment performance of the Oxford Income Letter mirrors its commitment to delivering informed and measured dividend investment recommendations.
Its focus on fundamental soundness and a strategic holding period underscores the newsletter’s reliability and effectiveness as a resource for dividend investors seeking prudent and informed investment choices.
Should You Sign Up For an Oxford Income Letter?
The Oxford Income Letter is a lot more than your average newsletter. It’s a full guide to help you with dividend investing. Every month, you get detailed choices of stocks to consider, a variety of investment plans, special reports, and tips on how to handle your taxes better.
This newsletter is great whether you’re just starting with dividend investing or looking to improve. The best part is that it’s useful for all kinds of investors.
Final Thoughts on the Oxford Income Letter
This newsletter is useful and inexpensive, making it great for beginners and experienced investors in dividends. It offers many different investment plans which can help you spread out your investments and also aim for good returns.
A big plus of this newsletter is that it guides you away from risky stocks that might not give stable returns. If you follow what they suggest, you’ll have a smarter way of handling the ups and downs of investing in dividends.
But remember, investing always comes with risks, and there’s no guarantee of success. That’s why it’s important to be smart about how much you invest in each place and to follow the safety tips the newsletter gives, like stop-loss strategies.