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Coronavirus 401(k) Blunders —Financial Advisors Share Biggest Mistakes Investors Are Making

Jeff Rose

As the pandemic began ravaging our economy in March of this year, our elected leaders worked tirelessly on a stimulus and recovery plan. Ultimately, they came up with the CARES Act, which included many types of relief for individuals and businesses.

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It is not hard to think of recent examples, from Hugo Chávez to Viktor Orban and Vladimir Putin.
穆迪分析(Moody's Analytics)在报告发布之前表示:“由于大宗商品价格不断下跌,生产者价格仍将处于下行趋势。”

CARES Act 401(k) Loan and Withdrawal Changes

We will strive to boost employment and business startups. — from $50,000 to $100,000 or 100% of a participant’s vested account balance, whichever is lower. For the time being, those with specific retirement plans — including 401(k)s, 403(b)s, 457s, and Traditional IRAs — can take out a 401(k) loan up to this amount if their retirement plan allows it.

在就业和创业之间进行抉择时,中国的大学毕业生偏向于前者。
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根据新修订的中国刑法,在国家级别考试中,凡是组织、协助或是参与作弊行为的人,将会受到3至7年的有期徒刑。

What does this mean, exactly? While many people who need this money to avoid a financial disaster can take advantage, the rules created by the CARES Act also make it so those who can meet specific requirements set by the Internal Revenue Service (IRS) can take out their retirement money penalty-free in order to build a pool in their backyard, buy a pontoon, or splurge for a huge RV that lets them “glamp” in style.

And yes, there have already been rumors around the financial community of people doing exactly this, or at least planning to. But there are so many reasons you should not take money from your 401(k) unless you absolutely have to. 

You Have to Qualify

For starters, you should know about the specific COVID-related requirements you need to meet to remove money from your 401(k) plan before retirement age without a penalty. While the 给就业补贴、购房租房补贴、放宽落户条件……各地力促今年高校毕业生就业, the rules relating the CARES Act changes are totally different. 

According to the 骚扰电话不停 男子被迫同时约16家公司量房, you, your spouse, or your dependent must have been diagnosed with COVID-19 to qualify. If that hasn’t happened, then you can qualify for a penalty-free distribution with this plan if you experienced “adverse financial consequences as a result of certain COVID-19-related conditions,” which could include a delayed start date for a job, a rescinded job offer, quarantine, furlough, any reduction in pay or hours, a loss of self-employment income, or even the inability to work due to not having childcare. 

These are the main ways to qualify, but there are other factors that might work for the exemption as well. 

You’ll Face a Huge Tax Bill

The money in your 401(k) plan and other tax-advantaged retirement plans was put in on a pre-tax basis, meaning you haven’t paid income taxes on it. As a result, you will absolutely owe a tax bill when you take an early withdrawal from your (401(k) — even if the CARES Act lets you avoid the normal 10% penalty.

Financial advisor Matthew Jackson of Solid Wealth Advisors says that you do have the chance to spread the income taxes out over the next three years. However, you should also be aware that a sizable withdrawal may put you in a higher tax bracket and increase your tax responsibility.

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“Ignoring the loss of future income and compound interest, the taxes alone on any withdrawal makes the item you are purchasing that much more expensive,” said financial advisor Tony Liddle. “Assuming a total combined tax rate of 25% for every $20,000 you withdraw, you owe another $5,000 in additional taxes.”

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You Will Lose Ridiculous Amounts of Money 

Financial advisor Chris Struckhoff of Lionheart Capital Management points out another dangerous detail you should be aware of — the loss of compound interest you’ll face on the money you take out. 

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Here’s a good example. Imagine you decide not to take $100,000 out of your 401(k) to pay for a luxury RV. Thanks to the power of compound interest, that $100,000 would grow to $179,084 if left to grow at a rate of 6 percent over 10 years, but it would surge even higher to $320,713 if left alone for 20 years. 

“Thutmose III was one of the most important pharaohs in Egypt’s New Kingdom and is credited with establishing the Egyptian imperial province in Canaan,” said Gabriel Barkay, the co-founder and director of the Temple Mount Sifting Project.
鲁纳尔说:这颗钻石可能产于南非的普列米尔矿山,现称库里南矿场。”

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Either way, it’s important to remember that you’re not just giving up money you have now when you take money out of your 401(k). You’re also giving up a ton of money you would have had if you just left your account alone. 

You’ll Also Raise Your Expenses

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“Buying the splurge item isn't just about the fun usage,” says financial advisor Thatcher Taylor of Taylor Financial. “It is about all of the additional costs that come with it.”

Xi Jinping and other leadershave made it clear that China is willing to accept a slower growth pace if thiswill allow for a more sustainable, consumer-driven expansion of its economy.Some prognosticators are quick to conclude that China’s economy will soonsignificantly slow down, especially because China’s economy has sputteredfollowing prior instances when the nation’s leaders have effected suchfundamental economic reforms (such as in 1978 and 1993).
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There’s a reason people laughingly joke that B-O-A-T stands for “Bust Out Another Thousand,” and RVs are notorious for having big repair bills. No matter what you think, you will wind up paying an arm and a leg to keep your fun toy in good condition. 

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I experienced this pessimism personally in Davos in January 2014. Several leading western intellectuals asked me whether war would break out between China and Japan. I was so confident that there would be no war in east Asia that I offered to take bets with ten-to-one odds against myself with eminent western journalists. Two took up my bets. And I will be collecting on these bets when I return to Davos in January.

The Bottom Line: Leave Your Retirement Money Alone

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As financial advisor Taylor Schulte of the 家居“私人定制”行业尚不成熟 points out, the math is simply not in your favor if you withdraw from your 401(k).

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I am a certified financial planner, author, blogger, and Iraqi combat veteran. I'm best known for my blogs GoodFinancialCents.com and LifeInsurancebyJeff.com and my

I am a certified financial planner, author, blogger, and Iraqi combat veteran. I'm best known for my blogs GoodFinancialCents.com and LifeInsurancebyJeff.com and my book, Soldier of Finance: Take Charge of Your Money and Invest in Your Future. I escaped a path of financial destruction by being a college drop out and having over $20,000 of credit card debt to eventually become a self-made millionaire. My mission is help GenX'ers achieve financial freedom through strong money habits and unleashing their entrepreneurial spirit. My work has been featured in The Wall Street Journal, USA Today, Reuters and Fox Business.