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.
Rollover â Have a check made out directly to you. 1  You will have 60 days to deposit the check into your new IRA to avoid taxes and penalties. 2  Keep in mind that this transaction is reported to the IRS and is only allowed once per year (any 12 month period) for your combined Traditional, Roth, SEP and SIMPLE IRAs.