Age-. The general rule in the industry is that once an A/C unit reaches 10-15 years, the idea of replacing the unit is usually a much better investment than putting money into an older system. If your system is at this threshold, it's usually wise to begin expecting, not wondering, when the system will fail.
You can keep the money in the TSP after you leave your federal job to benefit from the low fees, or you can roll over the money into an IRA or a new employer's 401(k), 403(b) or 457.
The rules are quite detailed and a 72(t) withdrawal can only be done from a conventional IRAâ not the TSP. However you donât have to make this decision when you leave the military. You can roll over a portion of your TSP to an IRA anytime, and youâd be able to do so just before starting a 72(t) withdrawal plan. A third option would be to roll your TSP contributions over to your employerâs 401(k).