<prompt> Translate the following text to SwahiliAlthough the tax benefits indeed seem to encourage individuals to contribute to these kinds of accounts, the amounts contributed may not be totally new saving.  <response>: Ingawa faida za kodi kwa kweli zinaonekana kuhamasisha watu kuchangia katika aina hizi za akaunti, kiasi cha mchango inaweza kuwa si kabisa akiba mpya. 