James Royal, Ph.D.
- Investing
- Wealth management
- Behavioral finance
- Stock analysis
- 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 Picks
James's latest articles
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Wealthfront Review 2024
Wealthfront ranks among the best robo-advisors, offering sophisticated portfolio management, a top cash management account and some of the most useful planning tools. Wealthfront scores big in all major areas – then somehow does it all at low cost, too.
Apr 23, 2024 -
Should you actively trade in a Roth IRA?
Retail investors don’t normally trade in a Roth IRA, but if you do, consider these factors.
5 min read Apr 18, 2024 -
M1 Finance Review 2024
M1 Finance straddles the line between broker and robo-advisor, between letting you run wild and giving you basic tools and portfolios that can guide you. It’s in a strange limbo, but those who fit the mix of features offered at M1 Finance may find it especially useful and won’t be able to imagine going elsewhere.
Apr 18, 2024 -
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Retirement withdrawal strategies: 4 ways to help you extend your savings
Here are some top strategies for withdrawing your retirement funds from three planning experts.
8 min read Apr 16, 2024 -
What is an after-tax 401(k) and who should make contributions to one?
An after-tax 401(k) lets workers take greater advantage of their employer’s retirement plan.
4 min read Apr 16, 2024 -
What is a deferred annuity?
Despite its advantages, a deferred annuity has some clear drawbacks, some of which are substantial.
6 min read Apr 16, 2024
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How to invest in the solar industry
The solar industry may be attractive to investors, but understand the risks before investing.
5 min read Jul 19, 2022 -
How do Social Security survivors benefits work?
Find out how your partner’s retirement benefits could change if she or he outlives you.
3 min read Jul 18, 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 -
Individual investors vs. institutional investors: How they differ
Individuals and institutions both have some key advantages when it comes to investing.
3 min read Jul 14, 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 preferred stock, and who should buy it?
This overview outlines how preferred stocks work and who they work best for.
6 min read Jul 11, 2022 -
How to register a domestic partnership
Not all states recognize domestic partnerships, meaning it pays to do some research.
6 min read Jul 08, 2022