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.
To do a direct rollover: 1  Tell your employer you want to roll the funds over directly to another plan or IRA. 2  Provide your employer with the information about the account that will receive the rollover funds. 3  Your employer will transfer the funds directly to the other account without withholding any taxes.