Like index investing, dividend buyers kind a big subculture within the funding world. And it’s straightforward to see why. Dividends let you make cash even when share costs are stagnant or faltering. Nonetheless, discovering well-run firms with secure dividends might be difficult with out sufficient analysis instruments or expertise.
Oxford Earnings Letter is an reasonably priced dividend inventory publication that presents investments with above-average and sustainable yields. An annual subscription begins at $49, which may be very low for a inventory publication. It’s one of many causes I’m a long-term subscriber.
This Oxford Earnings Letter evaluation highlights the membership advantages that can show you how to construct a diversified dividend portfolio. You possibly can resolve if this service is value paying for.
Desk of Contents
What Is the Oxford Earnings Letter?
The Oxford Earnings Letter is a month-to-month publication showcasing three mannequin portfolios of dividend shares and one portfolio of fixed-income bonds. The publication goals to current well-researched concepts that can assist you keep away from chasing dividend ETFs or shares with the best yields.
The month-to-month publication gives in-depth analysis and new inventory concepts. Additional, weekly updates cowl main happenings with open suggestions and different dividend-related content material.
The publication is revealed by The Oxford Membership, which additionally publishes the Oxford Communique (its flagship and entry-level inventory publication) together with a number of premium companies.
Its chief editor is Marc Lichtenfeld, who presently serves as The Oxford Membership’s chief revenue strategist. His funding expertise consists of inventory buying and selling, fund administration, and specializing within the biotech sector. He additionally developed one thing referred to as the 10-11-12 system to establish potential high-yield dividend investments.
With the Oxford Earnings Letter, you’ll be able to anticipate to obtain inventory suggestions from numerous industries, together with biotechnology, power, monetary, and actual property.
Who Ought to Be a part of the Oxford Earnings Letter?
Dividend development buyers stand to realize essentially the most from this letter, as many of the inventory picks take dividend yield and inventory development potential into consideration.
You may additionally like this text if you’d like publicity to particular person dividend shares as a substitute of solely counting on dividend ETFs.
Oxford Earnings Letter Value
A subscription to the Oxford Earnings Letter ranges between $49 and $249 per yr, relying on the bundle you select and whether or not or not you obtain a reduction.
A free “Final Dividend Bundle” can be out there however doesn’t present entry to the month-to-month funding concepts. This useful resource is extra of a how-to information for dividend investing and to get a really feel for the Oxford Membership analysis materials by together with some previous advice
Each paid packages supply a 365-day satisfaction assure, so requesting a refund is feasible for those who’re not happy with the service. You should additionally contact the writer’s customer support to cancel your subscription earlier than its renewal date.
The continuing price of $79 may be very cheap as this charge is normally a teaser value for the primary yr solely, and then you definately pay $199 or extra for every renewal. This low ongoing value is why I hold subscribing, because it’s a budget-friendly approach to get new income-producing funding concepts.
Here’s a nearer have a look at the assorted packages.
Premium
The premium bundle prices $79 yearly (the non-discounted value is $249) and gives full entry to the Earnings Letter particular experiences and mannequin portfolios.
- 12 digital problems with the Oxford Earnings Letter
- Entry to 4 mannequin portfolios
- Three particular experiences
- The free hardcover of Get Wealthy with Dividends by Marc Lichtenfeld
The month-to-month experiences and 4 mannequin portfolios are essentially the most precious advantages for most individuals. The particular experiences and complimentary books are additionally useful if you wish to study extra in regards to the fundamentals of dividend investing and the very best methods to maximise your tax scenario.
As I’ve talked about a number of instances on this evaluation, securing a subscription for $79 may be very cheap for one of many greatest funding newsletters out there.
Normal
A budget-priced Normal subscription prices $49 for the primary yr after which $79 yearly. This membership tier solely gives entry to the month-to-month points and the Final Dividend Bundle of curated particular experiences.
Final Dividend Bundle
It’s possible you’ll resolve to start out with the free Final Dividend Bundle, which incorporates a number of particular experiences and academic supplies that may enhance your dividend investing abilities.
A number of the report examples embody:
- My #1 Dividend Inventory
- The Most secure 8% Dividend within the World
- High Three “Excessive Dividend” Shares
You’ll obtain common e mail updates to maintain up with the most recent dividend investing insights. There’s additionally the power to improve your membership at a later date.
Options and Advantages
Listed here are the core options and advantages you’ll be able to anticipate when subscribing to the Oxford Earnings Letter.
Month-to-month E-newsletter
Subscribers obtain a digital publication as soon as a month. The publication structure follows a regular format that presents a brand new inventory concept and a backstory which will embody the corporate’s historical past and why it’s an excellent match for incomes yield.
Every month-to-month inventory choose mentions which portfolio it’s getting into and a customary 25% trailing cease to handle threat. Additionally they advocate putting the inventory in a taxable or tax-deferred account. Oxford will ship a mid-month replace when a place hits its stop-loss threshold.
Along with the month-to-month advice, there are three extra sections contributed by the analyst staff:
- Comply with The Sensible Cash: See what skilled buyers and hedge fund managers are doing with their capital and the way it could have an effect on dividend buyers.
- Mounted Earnings: The most recent market information which will profit or hurt fixed-income investments.
- Snapshot: Extra commentary on the latest inventory choose or a earlier advice. This part may additionally point out different firms that may suit your funding objectives effectively.
- Marc’s Mailbag: View solutions to questions submitted by readers. You possibly can e mail your investing-related questions too.
All in all, a month-to-month concern is roughly 9 pages double-sided. And for those who’re not already doing so, it’s possible you’ll wish to think about using a inventory analysis web site to carry out extra due diligence and show you how to resolve if an Oxford inventory choose suits your funding objectives.
Based on the writer, for the reason that publication’s inception in 2013, the typical holding interval has been roughly 20 months, with a historic common return of 17.53%.
The funding efficiency is aggressive with well-run newsletters that intention for practical returns from shares with good fundamentals and ample liquidity. You don’t have to fret about penny shares right here.
Mannequin Portfolios
The next 4 mannequin portfolios supply extra funding concepts than the typical stock-picking publication, which can solely have one portfolio:
- Compound Earnings Portfolio: Focuses on firms with a historical past of accelerating their dividend yield in consecutive years, resembling Dividend Aristocrats.
- Immediate Earnings Portfolio: Begin incomes dividends immediately. It’s designed so that you can allocate funding funds immediately with the intention to use the proceeds to pay payments and near-term bills.
- Excessive Yield Portfolio: Corporations with a number of the highest dividend charges which might be additionally extra sustainable than opponents with related yields. These suggestions might be riskier than the opposite portfolios to earn a greater payout potential.
- Mounted Earnings: Particular person blue-chip company bonds and different bonds with excessive payout potential.
Accessing a number of portfolios makes it simpler so that you can pursue a number of dividend methods and earn month-to-month dividends.
Every inventory portfolio has a unique variety of open suggestions. On the time of this evaluation in July 2023, one portfolio had as few as three picks (Excessive-Yield Portfolio), whereas one other had 22 (Compound Portfolio).
The publication posts the funding efficiency for every place since its authentic advice date. A dividend tracker may help you simply observe your private funding efficiency.
Particular Experiences
Subscribers also can learn particular experiences which will broaden upon a current advice with extra analysis. There are additionally guides that may show you how to optimize your revenue funding abilities.
Tax Optimization
Dividends can present constant revenue throughout your working years and in retirement. Simply as you would possibly use free investing apps to keep away from buying and selling and different funding charges, the publication tries to get the very best dividend revenue tax therapy.
For instance, Oxford suggests whether or not you need to place shares in your taxable brokerage account or a tax-advantaged retirement account to keep away from a shock tax legal responsibility.
Professionals and Cons
Beneath are the benefits and downsides of this dividend publication.
Professionals
- Month-to-month inventory picks
- A number of mannequin portfolios
- Inexpensive pricing (as little as $49/yr)
- 365-day refund interval
Cons
- Not each inventory choose is profitable.
- Older picks in mannequin portfolios could not have a present purchase ranking.
- Not appropriate for aggressive, growth-focused buyers
Oxford Earnings Letter Alternate options
Earlier than signing up for the Oxford Earnings Letter, I like to recommend trying out the next platforms that additionally present hands-on assist for locating dividend shares and funds.
Searching for Alpha
Searching for Alpha affords free and premium analysis instruments for self-directed buyers that need extra flexibility. The service has a wonderful inventory screener and quite a few articles from impartial contributors with a bullish or bearish viewpoint.
Subscribers also can get entry to proprietary inventory rankings and a portfolio tracker. The free model is adequate for informal buyers, however a paid membership is important for those who spend money on new shares recurrently or worth in-depth analysis. Learn our Searching for Alpha evaluation to see the assorted analysis and portfolio options.
Study Extra About Searching for Alpha
Motley Idiot Inventory Advisor
Motley Idiot’s Inventory Advisor is a wonderful possibility for long-term development buyers keen to carry a place by way of the market’s ups and downs with out putting stop-loss orders. Some positions pay dividends, however Motley Idiot favors shares with the potential to outperform the S&P 500 over the subsequent three to 5 years.
Subscribers get two month-to-month suggestions, and there are curated lists of Starter Shares that may be good to purchase at any time. There may be additionally a Finest Buys Now function, which highlights open suggestions with the very best entry level for the time being. Study extra with our Motley Idiot evaluation.
Study Extra About Motley Idiot Inventory Advisor
Zacks
Zacks gives free inventory rankings together with a primary inventory screener. A premium subscription permits you to view analyst experiences, use superior inventory screens, and gives entry to a long-term mannequin portfolio. Quick-term merchants will take pleasure in Zacks Commerce’s many superior technical knowledge instruments.
Study Extra About Zacks Commerce
Certain Dividend
Certain Dividend is one more top-notch dividend publication with three completely different pricing tiers. The entry-level tier presents a month-to-month “High 10” checklist of the very best dividend shares. Every inventory receives a short writeup to be the muse of your analysis however doesn’t embody a mannequin portfolio.
Three completely different mannequin portfolios can be found with a mid-tier subscription providing month-to-month updates. A premium Certain Evaluation Database is a robust dividend inventory screener that’s open to new members seasonally.
FAQs
With yearly pricing as little as $49, the Oxford Earnings Letter is definitely value it for the best investor. Nonetheless, when you’ve got little curiosity in dividend investing otherwise you want a strictly buy-and-hold funding technique, it’s possible you’ll be higher off selecting a unique platform on your funding analysis.
You possibly can cancel your Oxford Membership subscription at any time by contacting the corporate’s Member Providers Crew at (866) 237 0436 between 8 AM and eight PM EST. Worldwide clients can dial +1 443 353 4540.
Whereas dividend investing may be very well-liked, there are potential downsides to proudly owning a portfolio of dividend shares. For one, dividend funds usually are not assured. Whereas many firms have a powerful observe report of paying dividends, they might not at all times achieve this.
Additionally, the most well-liked dividend shares are well-established firms with sturdy stability sheets and a historical past of allocating a portion of earnings to shareholders within the type of dividends. Typically talking, most of those firms lack the capital development potential of many development shares that don’t pay a dividend.
Study Extra About Oxford Earnings Letter
Closing Ideas
The Oxford Earnings Letter is a wonderful and reasonably priced useful resource for newbie and skilled dividend buyers. It affords quite a lot of mannequin portfolios that may show you how to diversify however earn aggressive yields.
Whereas there aren’t any ensures, following the suggestions within the Oxford Earnings Letter could show you how to keep away from unsustainable yields and risky shares. Nonetheless, remember that practising place sizing and following cease losses is important to sustaining a balanced portfolio.
Oxford Earnings Letter
Strengths
- Month-to-month inventory picks
- A number of mannequin portfolios
- Inexpensive pricing (as little as $49/yr)
- 365-day refund interval
Weaknesses
- Not each inventory choose is profitable
- Older picks in mannequin portfolios could not have a present purchase ranking
- Not appropriate for aggressive, growth-focused buyers