No, my example was on a physical property, that the laborer was working for 5 years with the possibility
of sharing in the profits in 5 years, not the deferral of a guaranteed lump sum.
You get the benefit of contributing into your 401k before taxes and not paying taxes on the distributions each year. With the understanding that you will pay income taxes on withdrawal. you could pay your taxes on you income today and invest in something and only pay cap gains tax when you sell it (if over a year).