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.
Typically you will not owe taxes on your rollover if you roll over your money directly from your company plan into an IRA. This means that your company plan makes the check payable to your IRA's custodian, and that check is deposited to your IRA.f your plan at work is a Roth 401(k) or Roth 403(b), then you can roll your Roth money directly into a Roth IRA. If you donât have a Roth plan, you have the option to convert your funds to a Roth IRA.