What is profit-sharing?
For employees, the benefit is obvious – it allows them to save more.
6 min read
Feb 14, 2025
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
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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What is ESG investing? A guide to socially responsible investing
Looking to “do good” with your investment dollars? ESG investing may be worth considering, although it comes with some key concerns.
9 min read Feb 13, 2025 -
Best forex brokers: Top choices for currency trading
Trillions in currency are zipping around the world, making foreign exchange markets the world’s most active.
8 min read Feb 13, 2025 -
Is your 401(k) portfolio too conservative? 3 ways to tell
Here’s how to check if your 401(k) plan is too conservative and what you can do to fix it.
6 min read Feb 13, 2025 -
The Fed may not lower rates in 2025 — is now a good time to buy stocks?
With the Fed holding steady on rates for now, is it still a good time to buy stocks?
5 min read Feb 13, 2025 -
What happens to your 401(k) after you leave a job? 8 key things to consider
If you’re leaving your job, don’t forget to take action on your 401(k).
8 min read Feb 13, 2025 -
Best health care ETFs: Top biotech, pharma and medical funds
There are many ways to invest in health care, and a health care ETF can give you exposure to these sectors.
4 min read Feb 12, 2025 -
How to buy and sell Bitcoin ETF options
Here’s how to buy and sell Bitcoin ETF options and what you need to watch out for.
5 min read Feb 12, 2025
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7 warning signs of a bad investment
Worried an investment has gone bad? Pay attention to these warning signs.
5 min read Feb 13, 2025 -
529 plan contribution limits for 2025: What college savers need to know
Unlike other tax-advantaged accounts, there are no federal contribution limits on 529 plans.
3 min read Feb 10, 2025 -
What is the Capital Asset Pricing Model (CAPM)?
Here’s how the capital asset pricing model works.
4 min read Feb 10, 2025 -
How to cash out your crypto or Bitcoin
Here are five ways you can cash out your crypto or Bitcoin.
4 min read Jan 22, 2025 -
Best time of the year to retire for tax purposes
When you retire can potentially have a big impact on your retirement income and the taxes you owe.
5 min read Jan 21, 2025 -
Invest like the best: 7 essential habits of highly successful investors
These seven tips can make you a better investor.
4 min read Jan 21, 2025 -
Best financial ETFs: Top funds for banks, insurers and REITs
Looking to invest in the financial sector? Here are some ETFs to consider for your portfolio.
4 min read Jan 14, 2025 -
Stock market holidays 2025: 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 Jan 10, 2025