4) true but we're speaking about if you add less than the max, so I’m unsure this position is related Precisely what is tax-deferred: Tax-deferred accounts Allow your investments improve without once-a-year taxes, with taxes owed only after you withdraw money. It might also allow you to ward off inflation. https://andersonmswdf.tribunablog.com/detailed-notes-on-investment-in-precious-metals-52330754