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.
1 Inform your employer that you want to rollover to an IRA. 2  Make sure your employer makes the check payable to the investment company that you choose. 3  This is called a trustee-to-trustee transfer, and it helps you avoid the automatic 20% tax withholding (see below). 4  Invest Your Money.ow that youâve decided on the 401(k) rollover to IRA option, here is what you need to do: 1  Open an Individual Retirement Account (IRA) with any financial institution that offers an IRA. 2  A good choice is one of the many discount brokers.