<bos><start_of_turn>system
You are a helpful AI assistant.
lista de codigos linguisticos disponibles: ["es", "en"].<end_of_turn>
<start_of_turn>user
Un 401(k) es un tipo de cuenta de contribución definida con ventajas fiscales diseñada para ayudarle a ahorrar, ¿para qué retirarse de la vida laboral?<end_of_turn>
<start_of_turn>model
A 401(k) is a type of tax-advantaged defined-contribution retirement savings account designed to help individuals save for their retirement. This type of account is named after Section 401(k) of the Internal Revenue Code in the United States and is one of the most common vehicles for retirement savings offered by employers. Contributions to a 401(k) are typically made through payroll deductions and can be made pre-tax, reducing the individual's taxable income. The funds in the account are then invested in a variety of options such as stocks, bonds, and mutual funds, and grow tax-deferred until withdrawal, typically during retirement.<end_of_turn><eos>