The Oxford Income Letter Review (2023 Update): Everything You Wanted To Know!

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Updated: January 06

By: Scam Risk - Expert Reviewer

The Oxford Income Letter Review 2022 Update Everything You Wanted To Know

You probably discovered Oxford Income Letter, for the same reason you might have come across any other financial newsletter, stock trading service, or investment program:

This Oxford Income Letter review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Pros: What I Liked

  • A 365-day money refund guarantee is a huge plus for them.
  • Marc Lichtenfeld is widely regarded as a leading financial expert.
  • There is value in the recommendations if dividends are your thing.
  • High-yielding stocks are the emphasis of the advice.
  • In comparison to other subscription services, this one is reasonably priced.
The Good

Cons: What I Didn't Like

  • Little information regarding how well their earlier proposals were implemented
  • Oxford Income Newsletter is connected with the Agora
  • Unintelligible packaging
  • Quite a Pricey premium subscription
The Bad

Because you want more money in less time.

And chances are, you want to quickly multiply the money you do have (as opposed to waiting months or even years to see a decent ROI). This is a really exciting promise, and it’s probably why the financial publishing and training industry is worth billions of dollars.

The problem is, because the idea of doubling, tripling, or 10X-ing your money in a few minutes to a few days is so enticing, there are a ton of shady characters in this space.

But, putting that aside, let’s say every investing guru and “trading expert” on the internet had the best of intentions. Even with proprietary algorithms, a room full of supercomputers, and a team of rocket scientists, most of these experts would be lucky to get it right 20% of the time.

Now sure, we’re talking about asymmetric bets here, so theoretically the winners should more than make up for the losers. But in order to make that happen, you can NEVER miss a trade. With a 20% success rate (speaking optimistically), one missed winner could turn a profitable month into a loser. That’s a lot of pressure and a lot of stress (not to mention a lot of losing) with not much certainty.

But what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Constantly monitoring your phone for buy/sell alerts
  • Obsessively watching charts and movement
  • The emotional roller coaster and angst of hoping one winner can cover the last 8 losses
  • Gambler’s odds (20% chance of success is worse than the odds of winning at Blackjack)

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day monitoring charts, trades, and alerts?

Still Getting Paid

If that sounds like something you’d be interested in, check out Digital Real Estate. 

However, if you’d still like to know more about Oxford Income Letter, keep reading.


Overview Oxford Income Letter Review

Many people like collecting dividends from equities. Lichtenfeld targets this crowd.

Through his media appearances, the investor gained credibility. Examine his insights and newsletter to see whether they make sense.

Who is Marc Lichtenfeld?

Who Is Marc Lichtenfeld

The Oxford Income Letter’s senior editor is Marc Lichtenfeld. He proclaims himself the “#1 retirement income specialist” on a newsletter sales website. Another description calls him a top-income guru.

This industry often uses such titles and claims. Self-promotion and PR exaggerations abound. Almost every newsletter writer and editor says they’re the finest in their bios. But they must be sincere and provide. Let’s look at Lichtenfield’s background to see what makes him “great.”

He’s also The Oxford Club’s Chief Income Strategist. We’ll discuss this famous (or infamous) investment group below. Back to Lichtenfeld, the expert edits four additional club magazines. Predictive Profits, Lightning Trend Trader, and Oxford Bond Advantage. Nearly 500,000 individuals read his publications weekly, per his profile.

It’s big. It can suggest that investors value his opinions. Their marketing campaigns are working, too. Continue. Former Wall Street analyst started at Carlin Equities. He’s studied and analyzed the stock market for 22 years. He excels in a financial analysis service.

He’s a business reporter. He was a senior columnist at TheStreet and a senior analyst at Avalon Research Group.

The Avalon Group

His media involvement is highlighted in his profiles. Wall Street Journal, Marketwatch, CNBC, Fox Business, Bloomberg Radio, Yahoo Finance, and NPR have consulted him.

Macroeconomics, stocks, and financial literacy are his favorite topics. He develops a dividend portfolio that shows high-yield dividend stocks under the Oxford income letter newsletter.

The former trader is also a novelist. The Institute for Financial Literacy selected Get Rich with Dividends 2016 Book of the Year. His best-selling book explains how conservative investors can earn double-digit returns. Many languages translated the dividend-investing book.

Lichtenfeld’s second book, You Don’t Have to Drive an Uber in Retirement, won again in 2019. It’s The Institute for Financial Literacy’s Investment and Retirement Planning Book of the Year.

Here’s a non-investing fact about him. The editor calls boxing and MMA for ESPN, HBO, and Showtime. The strategist’s objective is to help ordinary people achieve reliable retirement income. Green Bull Research has covered his Infinite Energy presentation.

What is The Oxford Club?

Oxford Club Review Scam or Legit

Their website calls it a “private, multinational network of trustworthy investors and businesses.” The Oxford Club offers financial news and research from its top leaders.

The club’s experts are Alexander Green, Matthew Carr, David Fessler, Nicholas Cardy, and Lichtenfeld.

Current newsletters include:

  • The Oxford Communique
  • The Oxford Income Letter
  • Strategic Investor

Currently, they offer 12 VIP trading services:

  • Dynamic Fortunes
  • Extreme Disruptions Trader
  • The Insider Alert
  • Lightning Trend Trader
  • The Momentum Alert
  • Oxford Microcap Trader
  • Oxford Swing Trader
  • Oxford Bond Advantage
  • Predictive Profits
  • Technical Pattern Profits
  • Trailblazer Pro
  • The VIPER Alert

The Agora includes The Oxford Club. Our review of Alexander Green’s publications explains why this is a red indicator. Not that the group isn’t authentic. It gives readers honest advice.

We dislike their subscriber-drawing marketing practices. False claims and overstated promises hurt subscribers. In another post, we focused on Alexander Green’s 3 Dollar Stock. Read our review to learn about his claims.

What Is The Oxford Income Letter?

What Is The Oxford Income Letter Oxford Income Letter Review

The Oxford Income Letter is the specific newsletter under consideration here. Chief income strategist Marc Lichtenfeld’s monthly research tip focuses on dividend-paying stocks.

He’ll show you “how to use dividend yields and other income-producing strategies.” His 10-11-12 System does this. The income investor’s program helps customers “generate a passive income that pays forever.” He wants to “boost retirement savings.”

How It Works

How It Works

We wanted to know how Lichtenfeld would deliver his promises on the newsletter’s sales pages. You’d want to witness his money-growing process as a subscriber, right? Only a mention of his “unique 10-11-12 method” was located. We examined several sources to give you the correct info. Get Rich with Dividends discusses this approach.

In 10 years, the investor will earn 11% yields and 12% annual returns on the portfolio, according to the algorithm. According to the technique, dividend stocks must meet three criteria. Yield, a dividend increase, payout ratio.

Also, follow these portfolio guidelines:

  • The payout ratio should be 75%.
  • 4.7% minimum yield
  • 10%-plus dividend growth

Okay. If you subscribe, you’ll understand his science better.

Lichtenfeld favors dividend stocks. The investor has five reasons for his outlook.

Dividend stocks:

  • Have outperformed the market by 222% in 60 years
  • Dividend stocks are less risky and more profitable.
  • Time-tested. You may earn more each year without investing more.
  • Higher earnings growth
  • Pay regardless of stock performance

Even during catastrophes like COVID-19, he tells people to invest. Lichtenfeld believes the economy always recovers. Risk-takers benefit from their foresight.

This already happened. Many investors could have made more but were traumatized. CNN Business reported that 10 years after the 2008 crisis, many people weren’t investing.

Again, says the strategist. Despite July 2021’s record highs, investors are worried.

As editor of an income newsletter, he teaches people to take intelligent risks. They’ll retire independently if they succeed. Lichtenfeld’s opinions on REITs offer another glimpse into his mind. In one pitch, he explains why REITs are good for your portfolio. The best-selling author quotes Forbes’ Data Proves REITs Are Better Than Real Estate.

These factors help him choose the best solutions. REIT should:

  • be trading below past highs so you can buy more shares.
  • Growing payments as it acquires more properties and rents.
  • Sector growth This will help your shares multiply.
  • Be lesser-known so you can get in cheap before others do.

The editor says your choice is final. He’ll provide you good options so you can make informed choices. You may choose from stocks from his range of portfolios.

Instant Income Portfolio

  • Those that need cash quickly will like this. It includes dividend-paying firms.

Compound Income Portfolio

  • This portfolio includes dividend-growing equities for patient investors. Reinvesting dividends can help you retire richer.

Retirement Catch-Up Portfolio

  • This is for late investors. Lichtenfeld recommends high-yield dividend equities.

Fixed Income Portfolio

  • If you’re worried about your wealth, he suggests this way. Corporate bonds are included.

These processes show his stock strategy. You decide if you trust his financial outlook.

Track Record

Track Record

You know how this works. Always odd persons or names, but rarely any insights.

Take these quotes from his sources. As reviewers who want to deliver the greatest information, we wanted more. Research advisory services claim to have a success secret.

Each has customer quotes. Money grew, they say. Some credit the editor and newsletter. Many urge you to subscribe immediately. We need proof that the “#1 retirement income specialist” has provided. Instead, we see successful stocks. Insufficient.

The former fund manager believes his suggestions outperformed S&P 500 and S&P Healthcare Index. We’re not doubtful. The Oxford Income Letter’s performance will sway us more.

What You Get

What You Get Oxford Income Letter Review

Former trader sends subscribers detailed briefings on investment breakthroughs. This review lists all of their extra features.

Both are $49 with different add-ons.

Option 1

Option 1 Oxford Income Letter Review Premium Subscription

  • Oxford Income Letter
    • 12 pages of analysis each month
  • Access to four different Model Portfolios
    • Instant Income Portfolio
    • Retirement Catch-Up Portfolio
    • Compound Income Portfolio
    • Fixed Income Portfolio
  • Weekly portfolio updates
  • Members-only website with special resources
  • Pillar One Advisors include collectibles, real estate, tax law, and insurance professionals.
  • Member Services Team contact information
  • Special reports
    • The Great 2021 Real Estate Redo: Three REITs for MASSIVE Income
    • The Ultimate COVID-19 Market Recovery Blueprint
    • Multiply Your Money With THIS Moonshot REIT
  • Bonus reports:
    • How to Claim Up to an Extra $130,000 in Social Security
    • 101 Ways to Grow and Protect Your Retirement Savings
    • 3 Safe but High-Yielding Dividends

Option 2

Option 2 Oxford Income Letter Review Dividend Growth

He says you can get free reports from him in this sales pitch. He did it out of a genuine desire to help.

Package: Free Ultimate Dividends:

  • The Safest High-Yield Dividend in the World
  • Three Extreme Dividend Stocks
  • My #1 Dividend Stock
  • Dividend Riches: Marc Lichtenfeld’s Income Investing Training Video Series

Amid your excitement over the upcoming freebies, he whispers the magic words. But there’s more to come. He doesn’t use those exact words, but he’s close enough. You can get even more by subscribing to The Oxford Income Letter for a risk-free trial.

You will also get these:

  • 12 Months of The Oxford Income Letter
  • SafetyNet Pro
  • Weekly model portfolio
  • Password-protected access to the subscribers-only website
  • Weekly Mailbag
  • Access to our Pillar One Advisors
  • Oxford Income Blasts
  • Extra Bonus: Free Hardcover Copy of getting Rich with Dividends
  • Access To All of Their Special Model Portfolios
  • Access to SafetyNet Pro Reports:
    • Retire Rich With Five Small-Cap Dividend Stocks
    • Start Collecting Weekly Payouts With the Retirement Cash Calendar

How they sell these packages is a common complaint. In newsletter reviews, many older subscribers say the offerings are perplexing.

We expect research advisory firms can simplify these. Digitalization has simplified the procedure.

Cost And Refund Policy

Cost And Refund Policy Oxford Income Letter


  • Lifetime: $2,995
  • Premium: $49 (Down from $249)
    • Includes digital and print subscriptions
    • With special reports and bonus features
  • Deluxe: $129
    • Includes digital (via email and website) and print subscriptions
  • Standard: $49

Refund policy

To be honest. The refund generously. Within a year, you can cancel and get a refund. You can also keep the included reports and book. You can try their products before buying them. It shows their confidence in the product. They trust that their subscribers will repay their kindness.

Is Oxford Income Letter A Scam?

Is Oxford Income Letter A Scam

So, is Oxford Income Letter a scam? Not technically. You can make money with it, but it’s definitely not as easy as Marc Lichtenfeld makes it sound. Again, with any kind of financial product (especially trading), you’re taking on a lot of risk. Sure, you could hit it big and retire in Italy, but chances are you need the stomach and financial cushion to weather tons of losses before you get there…and it may never happen.

Most of the big gains numbers these companies use in their marketing (“xyz grew by 4,112% in 3 months” or “this option made 324% in just 2 days”) are cherry-picked. They don’t tell you about the 10 100% losers that came before. In other words, if you invested $100 into 11 recommendations, you’d lose $1,000, and make back $324…so you’d still be out almost $700.

Most people don’t have the fortitude to stick it out through 3 straight months of losers in the hopes of landing one big winner. What if, instead, you took those same 3 months, invested just a couple hours a day (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week? And what if you could double it next week?

Well, that’s the power of Digital Real Estate

It’s a true lifestyle business. Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece

Saying goodbye to our job

They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority. And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Conclusion – Will This Build Your Wealth?

This newsletter focuses on dividend-paying stocks. The editor is successful in this sense.

Get Rich with Dividends is still considered an authoritative source. Investing in bonds can also be a way of generating future income. Lichtenfeld’s thoughts on performances and publications are prevalent. The service focuses on producing future income by investing in stocks with sustainable dividend yields.

The website we covered praised the newsletter. If these are real subscriber reviews, it could be legit. The price is low compared to similar services. We assume this will appeal to investors.

We like their refund policy. You can use their services for 364 days before canceling. You get your money back and all reports and freebies. That’s faith in their goods and customers.

Are There Alternatives To Oxford Income Letter?


Yes, there are plenty of other business models to choose from if you want to pursue this making money online.  Here are just a few:

What Is My Top Recommendation For Making Money From Home In 2023?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs. While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1. It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.

Jump All In

2. You Own & Control EVERYTHING: With anything in the financial markets, you own and control NOTHING. You have no say in price fluctuations, demand, or what the market will do.

Trying to beat the market is fighting against the tide. There’s just too much working against you, no matter how many supercomputers or rocket scientists are on your side.

With Digital Real Estate, you own the assets, which means you have all the power and all the control.

Feeling Blessed

3. Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Scott Lead Gen

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

Lance Lead Gen

4. Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier. Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with any kind of trading or investing, you’d have to double your initial capital OR double the average order size of your existing trades. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


5. Make Money Helping Real People: This part is what makes it all worth it. In the financial markets, you might be helping your family, but the impact never goes beyond you and maybe a few others. But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses. You make money by helping them make money. Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.

Boss of My Own Future

Now, the choice is yours. You could continue browsing, looking at opportunities like Oxford Income Letter which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

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