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@nikki225 Also, you aren't paying extra back into your 401(k) when you pay back the loan. A 401(k) loan becomes it's own entity. You are paying back the loan, not contributing to your 401(k) (the loaned part of the 401(k) is no longer invested). So you have to beat what your funds would make to...

@nikki225 One nice thing about this exercise is that it is very easy to model and compare your scenarios and see if you can come out ahead. If you don't have the ability to do that you are likely just gambling. I'm starting a new comment instead of responding to the old because here are some...

@wann Noone can say. The biggest things are: - J&J will be the "growth" stock - more new product, biotech, etc. J&J however will also retain the significant anchor of the talc lawsuits in US and Canada. - Kenvue will be the "value" stock - expect a continuation of J&J's dividend, selling...

@nikki225 We would need to know a lot more about how bad your offerings in the 401(k) really are. They would have to be pretty bad to make this a good idea in most cases. The problem with 401(k) loans is when you switch jobs you have to pay it back. Sure, you are investing otherwise, what if...