The Oxford Income Letter – Scam or a Godsend for Investors? [REVIEW]

What Is The Oxford Income Letter?

• Name: The Oxford Income Letter
• Product Type: Investment newsletter
• Editor: Mark Lichtenfeld
• Publisher: The Oxford Club
• Cost: $49/y - $129/yr (depending on subscription)

The Oxford Income letter is a subscription investment newsletter service that, in a nutshell, allows subscribers to follow along with professionally recommended investment choices from Marc Lichtenfeld, the editor. 

Information, such as stock recommendations and market analysis, is delivered via the main newsletter as well as updates and alerts.

In particular, with this newsletter Marc Lichtenfeld specifically focuses on dividend stocks for investment opportunities, which are investments in stocks that pay out cash payments quarterly based on company performance.

The publisher behind it all is The Oxford Club, which is one of the longest running publishers of financial information in the country... and is very similar to other other investment advisories like Mauldin Economics and St. Paul Research.

Overall the newsletter is pretty good and get's good reviews, although there are some complaints from subscribers who aren't too happy (which I'll be going over).

Promotions

Promotions for The Oxford Income Letter can be pretty misleading. There is one floating around the internet right now that lures in new subscribers with the idea of "The Perfect Retirement Business"...

Readers are told that there is some small group of people collecting extra paychecks each week... as if this is some secret opportunity that not many people know about.

And it is also said that "you" can "rake in $1,038 or more each week... and easily clear $54,000 per year"...

But... of course it isn't quite that easy nor is it this straightforward.

The real opportunity being teased here is to subscribe to Marc's newsletter service, The Oxford Income Letter of course, and potentially collect hefty dividend checks from the investment recommendations he makes.

What You Get as a Subscriber

• Monthly Issues of The Oxford Income Letter

This is the meat of what you get here. The monthly newsletter issues will include all the recommendations and plays that Marc thinks are worthwhile. These issues will go into a heavy amount of detail on different opportunities and show you why Marc thinks they are so great.

• Weekly Issues of Oxford Income Weekly

Each week you will also get updates on current recommendations so that you know where the market is going and how that may effect the recommended investments.

• Oxford Income Blasts for Urgent Updates

And lastly, you will be updated at any time when Marc thinks that there is something that can not wait, such as some amazing investment window that just opened up or maybe when to sell a certain stock.

The layout of this subscription service is common with follow-along investment subscriptions of this kind. What you are getting, in a nutshell,  is investment recommendations and alerts from Chief Income Strategist Mark Lichtenfeld so that you can follow along and make professionally guided investments without needed any experience or knowledge of your own... although of course I would never recommend just blindly following advice.

Bonus Reports: There is also bonus material that is provided to subscribers. This includes "special reports" by Mark, such as "Start Collecting Weekly Payouts With the Retirement Cash Calendar", which goes along with the promotional teaser I went over, "How to Claim an Extra $130,000 in Social Security", and "How to Achieve a Seven-Figure Retirement Account... Even if You Think It’s Too Late".

Cost

There are 3 different subscription levels that you can choose from...

• ($249) $79 for Premium Subscription
  • Digital and print subscription
  • All 3 bonus reports
  • Hardcover copy of Marc's best-selling Amazon.com book
• $129 for Standard Subscription
  • Digital and print subscription
  • All 3 bonus reports
• $49 for Basic Subscription
  • Digital only subscription
  • All 3 bonus reports

The Premium Subscription is obviously the best. It includes everything and you even get a free hard-cover best-selling book from Marc... but I doubt it is ever the "full price" of $249. This is likely just a marketing stunt. 

And the Standard Subscription for $129 is likely another marketing stunt. It's what you call a "dummy option" that is obviously worse of a purchase than the Premium Subscription, but is placed there to make the Premium Subscription look more valuable.

Refunds

The Oxford Income Letter does come with a 100% money-back guarantee.

You will be able to get your money back at anytime within the next 12 months if you are unhappy with what you've received.

*It seems that they have extended the refund policy. Older reviews state that there is only a 90-day money-back guarantee.

However, I'm a bit unsure if you have to return the hard-cover book that you get if you become a Premium Subscriber. If you do, then this will just create a hassle for getting returns (and I'd imagine the book would have to be in perfect condition).

You can submit a request or get more information about refunds by contacting them in several ways:

• Call 866-237-0436 (or 443-353-4540 for international)
  • *Easiest option
• Mail them at:
  • The Oxford Club
    Attn: Member Services
    105 W. Monument St.
    Baltimore, MD 21201
    USA
• Submit a request on their Contact Us page

Who Is Marc Lichtenfeld?

I probably should have went over this earlier, but better late than never.

Who is the guy behind it all and can you really trust his advice?

Well, there is always risk involved when it comes to investing, and not all of his recommendations are winners, but Marc does have the kind of background you would want from someone providing investment advice.

He's the author of the highly-rated "Get Rich With Dividends" book; he has studied the market for over two decades working at a trading desk, a senior analyst, and a senior columnist; and now it seems his main gig is providing investment recommendations via his newsletter services.

His knowledge of the market and expert opinions have landed him on CNBC, Fox Business, Yahoo Finance... and his commentary has been featured in The Wall Street Journal and other publications.

Is he qualified to make such recommendations? It appears so.

Performance Ratings

The big question... how well do his recommendations provided in The Oxford Income Letter actually do?

Sure, in the promotions they show you a bunch of winning trades and tell you that you can make big money... but what about all the losing recommendations?

The problem here is that there is a lack of transparency. We don't know the historical performance of all the recommendations made.

However, we do know that The Oxford Income Letter has over a 3 out of 5 star rating for investment performance on Stock Gumshoe...

*This rating is based on the average left by subscribers.

And considering the fact that people are more likely to leave bad/negative ratings and reviews than positive ones, this is actually a fairly good overall rating.

That said, you should never invest more than you can afford to lose, even when following a professional's advice. 

Below is a review from someone who paid for an even more expensive subscription service by Marc Lichtenfeld and claims "recently his picks suck badly"...

And here is another review from someone that claims he has "been burned many times" by Marcs recommendations, and now only follows very few of them...

It's investing people!

We don't know the past win percentage that The Oxford Income Letter has, but the bottom line is that you shouldn't ever invest more than you can afford to lose.

Complaints/Concerns

They Don't Offer Financial Advice...???

You may find it concerning that in The Oxford Club's disclaimer it states that they do not provide advice nor do they advocate the purchase or sale of any security or investment...

After all... it seems that this is ALL they do.

So what's going on here?

Well, believe it or not this is of no concern. They say this for legal reasons so that people can't come back and sue them when an investment recommendation doesn't go as planned, which does happen due to the nature of investing and it's unpredictability.

Every financial newsletter publisher has a disclaimer of something to this effect.

"Pump & Dump" Concerns

With newsletters like this that provide investment recommendations there is also the concern of "pump & dump".

However, The Oxford Club forbids it's writers, in this case Marc Lichtenfeld, from having financial interest in the recommendations made. They must wait at least 24 hours after making a recommendation before following it themselves... meaning that carrying out a profitable pump & dump wouldn't really be possible.

Losing Recommendations

As you've already seen earlier in this review, not all recommendations are winners and there is the real possibility that you could lose money, and when this happens to people they aren't too thrilled, understandably so.

Misleading Marketing

There are also quite a few complaints with the BBB and on other sites about the misleading nature of the promotions, not just for The Oxford Income Letter but for other subscription services as well.

If you fall for the marketing hype then you will likely be disappointed.

Pros v Cons

Pros

• Well laid out and easy to follow along with
• No experience or knowledge needed - can follow professionally recommended trades without being a professional (although of course I don't recommend blindly following it)
• Editor, Marc Lichtenfeld, is highly qualified and respected
• Good refund policy (although you may be forced to return the free book given in the Premium Subscription)
• Decent overall rating

Cons

• Risk involved (as with any investment opportunity)
• Misleading marketing 
• Lack of transparency with track record

Is The Oxford Income Letter a Scam?

This may seem like a silly questions to answer, but some people are asking it and so answer it I will.

The Oxford Income Letter is not a scam. It is a legitimate subscription newsletter services published by a legitimate company, and it has a well respected analyst/editor behind it.

That said, I can understand how some people may view it as being a scam after being lured in from some of the deceptive marketing techniques being used.

But the bottom line is that it does have real value and isn't a scam in of itself.

Conclusion - Worth Subscribing to or Not?

The question of whether or not this newsletter is worth subscribing to is something that you will have to answer individually.

Are you interested in investing in professionally recommended stocks that pay dividends? Are you interested in following someone's advice that has over two decades of relevant experience and knowledge in the industry?

If yes, then it may be for you... but I would recommend, as one person did in a review left online, to use the recommended investments as guidance but to do your own research before investing in anything.

I hope this review has given you a better perspective of what The Oxford Income Letter actually is and how it all works. For my #1 recommended advisory service you can Click Here.

Please leave any comments or questions below and I'll get back to you soon.

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