Row 21398

Row ID: 21398 | Dataset Entry | Axioma AXP Content Repository

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This page contains data entry 21398 from the Axioma AXP content repository. The structured data below represents the complete record for this entry.

You won’t get liquidated or margin called on a 401(k) loan due to investments dropping below a maintenance requirement. A 401(k) loan is different than a margin loan.

But I’m also no advocate for 401(k) loans -

Failure to pay will result default which will force the loan to become a permanent withdrawal (heavily penalized with taxes and fees)

You miss out on compound growth over the loan term

The loan is paid back with *post*-tax dollars, vs pre-tax as they first when in, which are then taxed again at withdrawal in retirement

In most cases, you are tied to your job for that time period. Termination of employment - voluntary or involuntary - will result in the loan being called. Failure to pay *that* results in default, see point #1

FieldValue
text You won’t get liquidated or margin called on a 401(k) loan due to investments dropping below a maintenance requirement. A 401(k) loan is different than a margin loan. But I’m also no advocate for 401(k) loans - Failure to pay will result default which will force the loan to become a permanent withdrawal (heavily penalized with taxes and fees) You miss out on compound growth over the loan term The loan is paid back with *post*-tax dollars, vs pre-tax as they first when in, which are then taxe…
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-21
username_encoded Z0FBQUFBQm5Lak1BaE1GUExOQmFGRjVaalVFTGsxWnE3NEZ6eFp6TGwwUDVYY1RlaXBoekpLNC1RaERvcDdQQVhPdGFpYUZ4UTRHTm00SkxNc0hUWndYY0pmbXFpeHZ3emc9PQ==
url_encoded Z0FBQUFBQm5Lak9QSkFZcjlWZkFobzVLTGM0eTFBQllGMUE0TU5QcGZXRGE1RzRBZ0xvX1R1ZzRGdDNBcERaTlFkdU1GNjJSSFRZVTFXVWlEbkhmWlYwbHVxRGNNOUJmVVRCeDkxbUk1dXNWOHdrdzN6aGhHbjJnVkV5WXd5SGhIaVMtRU1uWHVVSWg2TnFfaGo2NV94eXhwdTQ1dUR1ZVBEc3Y2NVV0dkRrdTQtX3BfYzdkVXdfRWlfdEYweWQxcDNwU3FmZ0dWdEVMaU43QlNBR3QtdlNnbGh4X2lSSWxtZz09

Raw Record

{
  "text": "You won’t get liquidated or margin called on a 401(k) loan due to investments dropping below a maintenance requirement. A 401(k) loan is different than a margin loan.\n\nBut I’m also no advocate for 401(k) loans -\n\nFailure to pay will result default which will force the loan to become a permanent withdrawal (heavily penalized with taxes and fees)\n\nYou miss out on compound growth over the loan term\n\nThe loan is paid back with *post*-tax dollars, vs pre-tax as they first when in, which are then taxed again at withdrawal in retirement \n\nIn most cases, you are tied to your job for that time period. Termination of employment - voluntary or involuntary - will result in the loan being called. Failure to pay *that* results in default, see point #1",
  "label": "r/investing",
  "dataType": "comment",
  "communityName": "r/investing",
  "datetime": "2024-05-21",
  "username_encoded": "Z0FBQUFBQm5Lak1BaE1GUExOQmFGRjVaalVFTGsxWnE3NEZ6eFp6TGwwUDVYY1RlaXBoekpLNC1RaERvcDdQQVhPdGFpYUZ4UTRHTm00SkxNc0hUWndYY0pmbXFpeHZ3emc9PQ==",
  "url_encoded": "Z0FBQUFBQm5Lak9QSkFZcjlWZkFobzVLTGM0eTFBQllGMUE0TU5QcGZXRGE1RzRBZ0xvX1R1ZzRGdDNBcERaTlFkdU1GNjJSSFRZVTFXVWlEbkhmWlYwbHVxRGNNOUJmVVRCeDkxbUk1dXNWOHdrdzN6aGhHbjJnVkV5WXd5SGhIaVMtRU1uWHVVSWg2TnFfaGo2NV94eXhwdTQ1dUR1ZVBEc3Y2NVV0dkRrdTQtX3BfYzdkVXdfRWlfdEYweWQxcDNwU3FmZ0dWdEVMaU43QlNBR3QtdlNnbGh4X2lSSWxtZz09"
}
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