<prompt> Translate the following text to SwahiliA tax incentive for retirement saving may encourage some households to save more while encouraging others to shift their existing balances into tax-preferred accounts.  <response>: Msaada wa kodi kwa ajili ya akiba ya kustaafu inaweza kuhamasisha baadhi ya kaya kuokoa zaidi wakati kuhamasisha wengine kuhamisha mabaki yao ya sasa katika akaunti za kodi-upendeleo. 