Can I postpone the return of my 2022 individual 401K contribution until the stock-market returns to previous level to avoid losses from selling low, or must I withdraw the excess funds by April 15, 2022?
you can postpone the return of excess 2022 401k contributions until 4/15/2023 (4/15/2022 has passed)
you can only withdraw the excess contribution without penalty. there is a penalty for early withdrawal of non-excess if you are not 59- 1/2 it is taxable income.
