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 are the benefits of contributing to a 403(b)?
One benefit of 403(b) plans is contributions enjoy tax-free growth within the account.
4 min read Feb 28, 2024 -
What taxes are due on a Roth IRA conversion?
Considering a Roth IRA conversion? Don’t overlook the tax bill.
4 min read Feb 26, 2024 -
Warren Buffett’s portfolio: Here are the stocks Berkshire Hathaway is buying or selling
Here are the latest changes to Berkshire Hathaway’s portfolio and Buffett’s top bets.
2 min read Feb 14, 2024 -
9 biggest 401(k) mistakes to avoid
Don’t make these errors when using a 401(k) to save for retirement.
5 min read Feb 09, 2024 -
How ‘unretiring’ to go back to work can affect your Social Security benefits
Heading back to work after retiring might hit your benefits check.
6 min read Feb 08, 2024 -
7 mistakes to avoid when trading options
If you want to trade options, be sure to avoid these common mistakes.
4 min read Feb 05, 2024 -
Stock market holidays in 2024: US markets are closed on these days
When is the stock market closed? Here’s a list of days when the major exchanges observe holidays.
1 min read Feb 05, 2024 -
What is the kiddie tax and how does it work?
Here’s what you need to know about the kiddie tax, how it works and who pays it.
3 min read Feb 05, 2024