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.
Hereâs a step-by-step guide to complete an indirect rollover. 1. Contact your IRA provider. You can do this by phone or online, whichever is easier for you. If youâre transferring the funds electronically from your IRA to your bank account, you can often complete the transaction quickly online. If you talk to a representative, he or she can either help you set up the transfer or arrange for a paper check to be sent to you.