5 popular investment strategies for beginners
A good investment strategy minimizes your risks while optimizing your potential returns.
6 min read
Oct 07, 2024
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
CNBC
Yahoo Finance
Reuters
Cheddar TV
Forbes
Barron’s
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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moomoo
Competitive pricing on stocks, ETFs and options will prove welcome with traders, though others may find the lack of account types, limited available securities and high transfer fees off-putting.
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Should you retire in New York? It ranks as the second-worst state for retirees, here’s why
New York’s lack of affordability pushed the state to 49th in Bankrate’s rankings.
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Fidelity
Fidelity made a name for itself with mutual funds that were ahead of the curve, and its online broker platform looks to help customers share in that success via in-depth research tools and low transaction costs.
7 min read Oct 03, 2024 -
The 2024 election and your retirement: How to stay financially prepared regardless of who wins
Retirees must stay up to date on changes and how those changes affect their plans.
6 min read Oct 03, 2024 -
The best dividend mutual funds
The best dividend mutual funds are an attractive prospect for any investor, but especially for retirees.
3 min read Oct 03, 2024 -
The world’s 10 richest people: The wealthiest have $100 billion or more
Here are the world’s 10 richest people and some of their key investments.
4 min read Oct 03, 2024 -
What is an expense ratio and what’s a good one?
A fund with a high expense ratio could cost you 10 times – maybe more! – what you might otherwise pay.
6 min read Oct 02, 2024
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How to invest in virtual real estate in 2023
Virtual real estate may hold the potential for profits if the metaverse continues to grow.
6 min read Feb 22, 2023 -
5 ways to lose money on bonds
Think bonds are riskless? Think again. Here are five ways you can lose money investing in bonds.
3 min read Feb 22, 2023 -
What is a limit order in stock trading?
Limit orders can protect you, especially with small stocks.
4 min read Feb 22, 2023 -
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 Nov 23, 2022 -
Load vs. no-load mutual funds: What’s the difference?
It’s important to understand how a sales load on a fund can impact your overall real returns.
3 min read Sep 20, 2022 -
What is a charitable trust?
Looking to help out a great cause while also gaining a number of key advantages? Here’s how a charitable trust works.
4 min read Sep 13, 2022 -
A retiree’s guide to hosting on Airbnb
Here’s how you can stay safe and maximize your profits by becoming a home sharing host in retirement.
6 min read Sep 06, 2022