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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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 -
Investing in Alzheimer’s research in 2023
Here’s how a number of promising Alzheimer’s treatments could pay off for investors.
5 min read Jun 28, 2022 -
What is hedging and how does it work?
Hedging can help you limit investment losses. Here’s what you should know before starting.
4 min read Jun 24, 2022 -
How to invest an inheritance
You can build wealth that may not have been achievable otherwise by wisely investing inheritance money.
7 min read Jun 24, 2022 -
Are timeshares a good investment?
If you’re thinking about buying a timeshare, make sure you know the risks and benefits.
4 min read Jun 23, 2022 -
Investing in emerging technologies in 2022
This handy guide covers some of the emerging technologies that should be on your radar.
4 min read Jun 13, 2022 -
What is a moving average and how can it benefit you?
The moving average is an important tool as traders use them to predict where a stock may go.
5 min read May 27, 2022