{"id":25112,"date":"2020-06-23T12:20:50","date_gmt":"2020-06-23T17:20:50","guid":{"rendered":"https:\/\/avant.com\/blog\/?p=25112"},"modified":"2023-04-24T09:33:50","modified_gmt":"2023-04-24T14:33:50","slug":"accessing-money-from-your-401k-during-the-covid-19-pandemic","status":"publish","type":"post","link":"https:\/\/www.avant.com\/blog\/news\/accessing-money-from-your-401k-during-the-covid-19-pandemic\/","title":{"rendered":"Accessing Money From Your 401K During the COVID-19 Pandemic"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For individuals affected by the coronavirus, the CARES Act provides favorable tax treatment for coronavirus-related withdrawals up to $100,000 from an eligible retirement account.<\/span><span style=\"font-weight: 400;\"> So if you\u2019ve lost hours from temporary business closures, took time off to care for family members, or had to quarantine yourself\u2014you\u2019re eligible.<\/span><\/p>\n<p><b>Here are the details for qualifying individuals:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The typical 10% penalty on early withdrawals from your 401(k), 403(b) or personal retirement account does not apply to\u00a0 COVID-19-related withdrawals made in 2020.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">There are no mandatory withholding requirements for employers. So what you take out is yours. But you may owe taxes, which brings us to the next point.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your withdrawal can be spread evenly over the next three tax years until 2022. You can avoid paying any taxes at all if you pay back the amount within these three years and claim a refund on your taxes.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The typical 50% limit is not applicable for 401(k) loans. You can now take out 100% of your vested funds up to $100,000. The CARES Act also allows you to defer payments up to one year.\u00a0<\/span><\/li>\n<\/ul>\n<p><b>Should you use retirement funds during COVID-19?<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding your options under the CARES Act is the easy part, choosing whether to pull funds from your retirement is a hard choice that shouldn\u2019t be taken lightly. The rule of thumb is that you should only touch your hard-earned nest egg if it\u2019s your last resort. Why?<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Compound interest<\/b><span style=\"font-weight: 400;\"> is your best friend when it comes to retirement. Every dollar and year lost will ultimately hurt you in the end.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Selling shares in hard times <\/b><span style=\"font-weight: 400;\">could mean missing out on gains that would occur in a rebound.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Taxes still apply. <\/b><span style=\"font-weight: 400;\">Retirement dollars that were put away pre-tax may now be income\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">when taken out and would be subject to tax. If you are seriously considering the 401(k) withdrawal option, consult a tax professional to determine the right amount.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With that said, the CARES Act takes substantial pain out of an early retirement withdrawal for qualified individuals. So for the many Americans in hardship, this could be a great option to provide much needed financial relief.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information, the IRS has published more information and guidance about using <\/span><a href=\"https:\/\/www.irs.gov\/newsroom\/coronavirus-related-relief-for-retirement-plans-and-iras-questions-and-answers\"><span style=\"font-weight: 400;\">retirement plans for coronavirus relief<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<hr \/>\n<p>The information provided on this website does not, and is not intended to, constitute legal, financial, or tax advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal, financial, tax or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; Avant does not recommend or endorse the contents of the third-party sites.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For individuals affected by the coronavirus, the CARES Act provides favorable tax treatment for coronavirus-related withdrawals up to $100,000 from an eligible retirement account. So if you\u2019ve lost hours from temporary business closures, took time off to care for family members, or had to quarantine yourself\u2014you\u2019re eligible. Here are the details for qualifying individuals: The [&hellip;]<\/p>\n","protected":false},"author":38,"featured_media":25113,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[270],"tags":[],"class_list":["post-25112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - 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