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James Royal, Ph.D.

Principal writer, Investing and wealth management
Ribbon Icon EXPERTISE
  • Investing
  • Wealth management
  • Behavioral finance
  • Stock analysis
Education Icon EDUCATION
  • Bachelor of Science in management, University of Florida
  • Master of Arts in English, University of Florida
  • Doctorate in English, University of Florida

 
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

  • Best Long-Term Investments

    While many people think of investing as trying to make a short-term score in the stock market, it’s long-term investing where investors can really build wealth. Here are some of the top long-term investments.

    17 min read Mar 23, 2022
  • Best ETFs

    With literally thousands of ETFs to choose from, where does an investor start? Below are some of the best ETFs by category, including some highly specialized funds

    16 min read Mar 23, 2022
  • Best Mutual Funds

    With literally thousands of available mutual funds, how do you find the top ones for your portfolio? Bankrate has highlighted some of the best mutual funds.

    9 min read Mar 23, 2022
  • Best Index Funds

    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.

    15 min read Mar 23, 2022
  • Best-Performing Stocks

    Many top stocks deliver solid returns year after year. Below are the best-performing stocks in the S&P 500 year to date.

    4 min read Mar 23, 2022
  • Best Investment Apps

    Here are eleven of the top apps for getting your finances organized and invested. These apps are great for beginners, and they make it easy for those just starting to invest or someone looking to play a stock-picking game for fun. Here are some of the top apps for getting your finances organized and invested.

    13 min read Mar 23, 2022
  • Best Roth IRA Accounts

    A Roth IRA offers many benefits to retirement savers. The Roth IRA allows workers to contribute to a tax-advantaged account, let the money grow tax-free and never pay taxes again on withdrawals.

    10 min read Mar 23, 2022
  • Best Retirement Plans

    Diverting a portion of your paycheck into a tax-advantaged retirement savings plan can help grow your wealth for your golden years.

    23 min read Mar 23, 2022