You will be paying yourself interest on the 401k loan, so I would suggest that the funds are appreciating at a rate equal to the interest rate. Or perhaps you meant "aren't available [for me to invest in the market] to appreciate [or depreciate] for a while"?And there is a further potential opportunity cost if the amount you could have earned in the market is greater than the interest you are paying yourself (instead of to a different lender).Yes, your wording is more precise, and is indeed what I meant.
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