Although President Bush's proposal to eliminate the taxation of stock dividends may seem to put tax-sheltered retirement plans at a disadvantage, experts argue that investors should continue their contributions to 401(k)s and IRAs. Treasury Department officials stress that tax-sheltered investment vehicles will not be negatively affected by the passage of Bush's tax plan, and analysts note that Roth IRAs and 401(k)s have a slew of advantages that continue to make them wise savings vehicles. However, if passed, the tax plan could affect other retirement vehicles, including nondeductible IRAs and variable annuities, analysts note.