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.
To do a rollover, you can withdraw all the funds and close the account, or you can do a partial transfer. Your provider will likely refer to this as an âearly distributionâ or âpremature withdrawalâ if youâre under 59Â½, but this does NOT mean youâll get hit with taxes and penalties.