<prompt> Translate the following text to EnglishMsaada 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.  <response>: A tax incentive for retirement saving may encourage some households to save more while encouraging others to shift their existing balances into tax-preferred accounts. 