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.
How To Rollover 403b Funds. If you do a direct rollover of funds into the IRA account, you will avoid the mandatory 20% federal income tax withholdings assessed on retirement funds withdrawal.You can open an IRA account at any financial institution offering this type of account.ou will also need to consult with the plan administrator of your 403b account to complete the appropriate paperwork. Some will require a distribution request for to be completed before assets can be rolled over. Some administrators will also need a letter of acceptance from the IRA trustee/financial institution.