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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60-day rollover rule: What retirement investors need to know
Here’s how to safely navigate the indirect rollover rule and what to watch out for.
4 min read Mar 28, 2024 -
A complete guide to 401(k) retirement plans: What is a 401(k)?
The most important tip: Don’t miss out on free money for your retirement.
10 min read Mar 28, 2024 -
Best Index Funds In March 2024
Here’s everything you need to know about index funds and ten of the top index funds to consider adding to your portfolio this year.
Mar 27, 2024 -
Best Short-Term Investments in March 2024
Short-term investments minimize risk, but at the cost of potentially higher returns available in the best long-term investments.
Mar 27, 2024 -
9 Best Retirement Plans In March 2024
Diverting a portion of your paycheck into a tax-advantaged retirement savings plan can help grow your wealth for your golden years.
Mar 27, 2024 -
2024 HSA contribution limits: Key numbers to know
An HSA provides you key tax advantages, including the potential for a triple tax benefit.
3 min read Mar 25, 2024 -
IRA taxes: Key rules to know and how much you can expect to pay
It comes down to whether you prefer a tax break today or in the future.
5 min read Mar 25, 2024
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Is now a good time to buy REITs?
With the Fed signaling an end to interest rate hikes, are REIT poised for a recovery?
4 min read Jan 25, 2024 -
Investing in a bear market 2024
Although bear markets are concerning, they also provide opportunities to investors if you know where to look.
7 min read Jan 25, 2024 -
4 benefits of investing in balanced funds
Just buy one investment, and your portfolio will be diversified – and you’ll gain all the benefits.
3 min read Jan 12, 2024 -
Investing vs. speculating: What’s the difference?
Know the difference so you don’t put all your money in speculative assets while thinking you are investing.
4 min read Jan 12, 2024 -
Stakeholders vs. shareholders: What’s the difference?
All shareholders are stakeholders, but not all stakeholders are shareholders.
3 min read Jan 08, 2024 -
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How to donate stock to charity
Donating stock can be a win-win for you and the causes you care about most.
6 min read Dec 18, 2023 -
What is private equity?
This type of alternative investment is typically limited to accredited investors and institutions.
5 min read Dec 14, 2023