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Any money borrowed from your 401k is Since your returns are 100% taxable, they have to be that much better, with fed and state taxes discounted for. Never ignore taxes when calculating returns.

Another way I can see this working, after a fashion, is to borrow $2000 for your IRA, at the beginning of the year, and paying that back during the year. You could then plunk it all into an FF4 portfolio immediately.

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