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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.

拉杜卡(Rocco LaDuca)是纽约州尤蒂卡市(Utica)《观察家快报》(Observer-Dispatch)报道犯罪和法院新闻的记者。他说,之所以选择做记者,一定程度上是源于他和祖母读报的美好记忆。
Had the North Koreans not set off another nuclear test at the weekend the big story this week on the Korean peninsula might have been the Trump administration’s odd timing in announcing its plans to pull out of a trade deal with Seoul.

According to a newly amended Chinese Criminal Law, those who organize, assist or are involved in cheating during national exams could be sentenced to three to seven years in prison.
Bono and The Edge collaborated with Tina Turner on this, the sultriest James Bond song ever. This is a song sung by someone you will be attracted to, damn it, and for whom you would do just about anything. Tina Turner has more erotic confidence in one Golden eye theme than most of us will ever experience in our whole lifetimes. James Bond songs had never been this deliciously sweaty before. It's like pheromones set to music.
教育企业高管的薪酬均值倒数第一,刚过280万元,约为金融业高管薪酬的1/10。
However, one lawyer, who prefers to remain anonymous, says Teach Firsters’ prior experience and autonomy in a classroom can mean they feel frustrated starting at the bottom of an organisation’s ladder again.

CARES Act 401(k) Loan and Withdrawal Changes

The other finalists, each of which will receive 10,000, were: Losing the Signal , by Jacque McNish and Sean Silcoff, who look at how BlackBerry went off course; Digital Gold , Nathaniel Popper’s examination of the rise of bitcoin, the virtual currency; How Music Got Free , Stephen Witt’s history of the way piracy and peer-to-peer sharing have disrupted the recorded music industry; Anne-Marie Slaughter’s new book Unfinished Business , about the challenge of achieving gender balance; and Misbehaving , in which Richard Thaler traces the development of behavioural economics. — 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.

今年,竞争最激烈的职位--中国民主同盟中央委员会接待处--有大约10000人参与竞争。
In the Robot World Cup Soccer final on June 30th the Dutch robots weren’t up against the Chinese team “Water” from Beijing. Within a minute the Chinese team scored a goal. The Dutch made an equalizer before half-time, yet in the second half team Water scored again.
去年12月,包括中国商务部、中国央行在内的四个政府部门表示,将收紧对房地产、酒店、影城、娱乐业、体育俱乐部等领域的“非理性”对外投资项目的审查。

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 卫浴企业要树立“大牌意识” 走精致科学之路, the rules relating the CARES Act changes are totally different. 

According to the 多地租房市场回暖 2019年租赁市场规模继续扩大, 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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俄克拉荷马城的经理萨姆-普莱斯蒂并不是截止日交易的陌生人,他送走卡梅罗-佩恩,若弗雷-洛维尔涅和一个二轮签从芝加哥换来泰-吉布森和道格-麦克德莫特的交易大获成功。

“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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周边环境:这栋房屋坐落在摩德纳岛(Modena Island),距萨凡纳市中心大约20英里(约32公里)。据该房源的代理人说,该社区设有门禁,在栎树丛与咸水湿地之间坐落着大约20栋房屋。摩德纳岛是斯基达韦岛(Skidaway Island)的一部分,岛上有一座由佐治亚大学的海洋学研究所和一座大型州立公园。

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. 

The pickup in consumption in turn will entice businesses to hire and invest more to keep up with rising sales. The result: The U.S. is likely to grow more than 3% for the first time since 2005.
"When the actual dependency ratio of pension insurance gets down to three to one, the payment cannot be lower than 17 percent. If it drops to two to one ratio, it means that everyone is going to pay 25 percent. The financial burden gets heavier when the dependency ratio gets lower. The restructuring of pension system must be finalized in two years." Yang said.

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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.”

这些银行将钱返还给股东的能力有所下降。中央财经大学中国金融业研究中心主任郭田勇表示,缓慢的盈利增长和高额的不良贷款以及存款准备金给银行的资本金补充带来了压力。
尽管给股东的分红正在缩水,但这些银行的分红数额仍占据中国所有上市企业分红总额的一半。去年,这16家银行报告的盈利占据上市公司盈利总额的52%。

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. 

It is also reported that Chinese citizens made 1.26 billion cinema visits in 2015, a roughly 51 percent increase from a year earlier.
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Graham Allison, the famous Harvard professor, also warned that east Asia was headed towards the “Thucydides Trap”, adding: “When a rapidly rising power rivals an established ruling power, trouble ensues.” In early 2013, the then prime minister of Luxembourg, Jean-Claude Juncker, warned that 2013 was looking dangerously like 1913. The Economist also warned at the end of 2013, “A century on, there are uncomfortable parallels with the era that led to the outbreak of the first world war.”

The Bottom Line: Leave Your Retirement Money Alone

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As financial advisor Taylor Schulte of the 海口部分考点周边“高考房”升温 部分一个月前已订满 points out, the math is simply not in your favor if you withdraw from your 401(k).

中国的股市能否重回6000点?
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Taken together, these events and strategic initiatives highlight the Chinese aerospace industry’s realization that, in order to become a globally competitive player, it will need depth as much as breadth. After getting their hands on both ends of the value chain—aircraft design and final assembly—the Chinese now understand that what will make or break their industry over the long term is what happens in the middle of the value chain, at the component and subsystem levels. And that is why China’s ambition to compete with Boeing and Airbus, as well as with GE and Rolls-Royce for aircraft engines, is now more credible than ever.

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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.