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.
Your second option is to roll your 401(k) account into an IRA account at a discount brokerage firm, such as Charles Schwab. Due to the proliferation of exchange-traded funds (ETFs), you can now quickly and easily create a low-cost, diversified portfolio at any discount brokerage firm.n most cases, rolling over a 401(k) is just four easy steps: 1  Open a traditional IRA if you donât already have one, 2  Request rollover paperwork from your plan administrator, 3  Fill out the paperwork and send it back in, and. 4  Once the money has arrived in your IRA, go ahead and invest it as you see fit.