David Chen, CFA
Portfolio Management Analyst
David Chen, CFA
Portfolio Management Analyst at RothIRACalculator.us
David is a Chartered Financial Analyst with a background in institutional asset management. He brings rigor to portfolio optimization, analyzing future-value compounding formulas, and writing guides on asset location inside tax-sheltered accounts.
Articles written by David Chen (6)
Average Return of a Roth IRA: Expected Rates & Growth Projections
Understand the historical returns of Roth IRA investments, what return rate to use for your compound projections, and how asset allocation drives growth.
Roth IRA Basics: A 2026 Beginner's Guide
Understand how a Roth IRA works, who qualifies, and why tax-free growth can transform your retirement.
What Is a Roth IRA, Really?
A plain-English explanation of how Roth IRAs work and why millions of Americans rely on them.
Roth IRA vs. 401(k): What's the Difference?
Two of America's most popular retirement accounts — here's how they actually compare.
Is a Roth IRA Really 'Tax-Free'? The Honest Answer
Roth IRAs are often called tax-free, but that's only half the story.
The Quiet Power of Compound Growth in a Roth IRA
Why time in the market — inside a Roth wrapper — beats almost every other wealth strategy.
See your tax-free retirement, in seconds.
Model contributions, conversions and decades of compounding — or compare Roth vs Traditional side-by-side.