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Which of the following is TRUE about the major tax benefit under a Roth IRA? Interest earnings are not taxed. Contributions are tax-deductible. Interest earnings enjoy tax deferral benefits. Relatively lower tax rates are applied to Roth IRA contributions. Which of the following statement about annuities is NOT correct? Premiums for annuities are not tax deductible. Early withdrawal from annuities would be subject to tax penalty. Annuity is a type of IRA accounts. Investment return on the cash value of an annuity contract is tax deferred