James Royal is a reporter covering investing and wealth management. Before joining Bankrate, he worked as a writer for NerdWallet and a stock analyst for The Motley Fool. He holds a doctorate in literature from the University of Florida.
James Royal
Recent Articles By James Royal
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Retirement
Solo 401(k) vs SEP IRA: Which is better?
Both kinds of plans can be started relatively fast and without many of the hassles of traditional plans.
5 MIN READ Oct. 22, 2020
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Investing
Best brokers for fractional share investing in October 2020
The ability to buy fractional shares is huge, especially for investors just starting out.
4 MIN READ Oct. 23, 2020
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Retirement
How to save for retirement
The most important thing is to be realistic about your goals.
13 MIN READ Oct. 19, 2020
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Investing
Backdoor Roth IRA: What it is and the benefits of setting one up
If you want to open a Roth IRA and make too much money to do so, don’t fret.
5 MIN READ Oct. 16, 2020
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Investing
Survey: Just 22% of experts see the stock market outperforming over next 5 years
The reasons for the dour expectations are many, especially on key fundamental factors.
7 MIN READ Oct. 15, 2020
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Investing
Mutual fund vs. ETF: Here’s how these popular investments compare
ETFs hold an edge because they tend to use passive investing and have some tax advantages.
8 MIN READ Oct. 15, 2020
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Retirement
What is a cost-of-living adjustment (COLA)?
For people living on a fixed income, the COLA is a critical safety net.
3 MIN READ Oct. 13, 2020
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Retirement
Your Social Security check will get bigger in 2021 following 1.3% cost-of-living increase
In recent years the COLA increase has been rather small or even non-existent due to meager inflation.
1 MIN READ Oct. 14, 2020
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Investing
Need a financial adviser? 5 situations where it’s likely worth it
More specialized, complex or individualized tasks may require you to consult a financial adviser.
4 MIN READ Oct. 15, 2020
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Investing
Stocks and the Halloween Effect: Here’s what this weird indicator means for investors
Even more oddly, the Halloween Effect seems to work not only in the U.S. but also around the world.
3 MIN READ Oct. 9, 2020