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.
When you perform a rollover, you must report it on your income tax return, even if you do not owe any taxes on the rollover. People may roll over money to consolidate their retirement accounts, seek higher returns or convert money from a tax-deferred IRA to a Roth IRA. credit: Jupiterimages/Photos.com/Getty Images.