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.
A Roth IRA is comprised of after-tax dollars. Think of this as oil and waterâthey donât mix. So, if you want to rollover your SIMPLE IRA to a Roth IRA, you will first need to do a Roth conversion by paying the taxes on the pre-tax account balance. You should decide whether you want to keep your account with the same custodian, or whether you want to change custodians in the process.