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 leave a job where you have a 403b, you have a few options for what to do with your retirement savings: Leave it in your old employerâs account. Roll over your 403b into your new employerâs 403b or 401k. Roll over your 403b into an Individual Retirement Account (IRA).Rolling over your 403b into an IRA can be a good choice because it gives you more control over your investment options, tends to have lower fees, and can ultimately hold funds from all of your previous work retirement accounts.nitiating your 403b rollover takes just a few minutes. Remember that a traditional, tax-deferred 403b should be rolled over to a traditional IRA (or else you will have to pay taxes on it).