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People also ask
Should you take a 401(k) loan or withdrawal?
Pros: Unlike 401 (k) withdrawals, you don’t have to pay taxes and penalties when you take a 401 (k) loan. Plus, the interest you pay on the loan goes back into your retirement plan account.
Can you contribute to a 401 (k) plan while making loan repayments?
Some 401(k) plans do not allow you to contribute to the plan while you are making loan repayments. One thing to watch out for: if you lose your job while you have an outstanding 401(k) loan. You may need to repay the balance quickly, or risk having it be categorized as an early distribution.
Is a 401 (k) loan a good idea for You?
If you manage money well and feel your job is secure, a 401(k) loan might be an acceptable option for you. For example, a business person can repeatedly borrow and repay money from a 401(k) plan to help fund the acquisition of different businesses.
Can I take money out of my 401k and pay it back?
Loans and withdrawals from workplace savings plans (such as 401 (k)s or 403 (b)s) are different ways to take money out of your plan. A loan lets you borrow money from your retirement savings and pay it back to yourself over time, with interest鈥攖he loan payments and interest go back into your account.