特朗普政府提议免罚款401(k)提款,以支付住家首期付款,这有长期退休储蓄的风险。 The Trump administration proposes penalty-free 401(k) withdrawals for home down payments, risking long-term retirement savings.

特朗普行政当局正在拟订一项提案,允许从401(k)账户中免罚提取家庭首期付款,目的是帮助首次买主克服流动性障碍。 The Trump administration is developing a proposal to allow penalty-free withdrawals from 401(k) accounts for home down payments, aiming to help first-time buyers overcome liquidity barriers. 虽然该计划可以减轻一些人对住房的所有权,但专家警告说,该计划可能损害长期退休储蓄,在库存紧张的情况下提高住房价格。 While the plan could ease homeownership for some, experts warn it may harm long-term retirement savings and increase home prices amid tight inventory. 目前,提前提款将面临10%的处罚,任何改变都需要国会批准。 Currently, early withdrawals face a 10% penalty, and any change requires congressional approval. NerdWallet的一项调查发现,22%的购房者计划使用退休基金支付首期付款,这引起了对财务风险和降低退休保障的担忧。 A NerdWallet survey found 22% of homebuyers plan to use retirement funds for down payments, raising concerns about financial risks and reduced retirement security.