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.
When you switch jobs before retirement, you usually can choose among several things to do with your TSP nest egg: Leave the money in the TSP. Roll over the money to your new employer's retirement plan, if the plan accepts transfers. Roll over the money into a traditional Individual Retirement Account (IRA) or. Take the cash value of your account.