Best fixed annuity rates for January 2025
Here are the best annuity rates based on recently available data.
9 min read
Jan 17, 2025
James Royal, Ph.D.
Principal writer, Investing and wealth management
EXPERTISE
- Investing
- Wealth management
- Behavioral finance
- Stock analysis
EDUCATION
- Bachelor of Science in management, University of Florida
- Master of Arts in English, University of Florida
- Doctorate in English, University of Florida
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
About the author
Bankrate principal writer and editor James F. Royal, Ph.D. covers investing and wealth management. His work has been cited across major media, including CNBC, the Washington Post, The New York Times and the Associated Press. Royal believes in the power of education to help individuals make smart financial decisions that can positively and significantly improve their lives.
Experience
James is the author of The Zen of Thrift Conversions. He’s a veteran writer and stock analyst with a history of working in the financial-services industry, including at the Motley Fool and Bankrate.
Education
Royal has a bachelor’s degree in management as well as master’s and doctoral degrees in English earned at the University of Florida.
Media mentions
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
James's latest articles
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eToro review 2025
This broker is “all crypto, all the time” for American traders, though non-Americans can also trade stocks commission-free.
7 min read Jan 17, 2025 -
Options vs. sports betting: Why smart gamblers use options
Here’s why options trading is a great setup for smart traders.
4 min read Jan 16, 2025 -
What is DeFi? A beginner’s guide to decentralized finance
DeFi is a new vision of finance that is based on peer-to-peer payments through blockchain.
6 min read Jan 15, 2025 -
Best options trading simulators
Options simulators can be a great benefit for traders looking to learn how options prices move, how to enter orders and how to not lose your shirt.
3 min read Jan 15, 2025 -
Coinbase review 2025
The Pro platform has competitive pricing, but the basic service tier offers expensive trades.
6 min read Jan 14, 2025 -
Binance review 2025
While the fees are low, clients might be paying for it with minimal customer assistance.
5 min read Jan 13, 2025 -
Best growth ETFs: Top funds for growth stocks
Here are some of the top growth ETFs and what you need to look for when buying an ETF.
3 min read Jan 13, 2025
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5 things every millennial should know about saving for retirement
For millennials, retirement shouldn’t be an afterthought, because they have the best money-making asset: time.
4 min read Aug 04, 2022 -
Proxy voting: What it is and why it matters
Proxy voting is an important part of being an investor. Here’s what you need to know.
6 min read Aug 03, 2022 -
Beginner’s guide to investing in 3D printing
3D printing has gone from hobby to one of the fastest-growing industries.
7 min read Jul 25, 2022 -
Employee stock ownership plan (ESOP): What it is and how it works
ESOPs are a defined contribution plan with benefits for both the employer and employee.
5 min read Jul 15, 2022 -
The S&P 500 is in a bear market: How much lower could it go?
The S&P 500 is in a bear market. Here’s how long it might last.
4 min read Jul 12, 2022 -
6 ways to invest your wedding gift money
Here are some of the best ways to get money received from wedding gifts working for you right away.
5 min read Jul 12, 2022 -
What is Safemoon and how does it work?
This crypto charging sellers a 10 percent fee, here’s why.
2 min read Jul 07, 2022