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.
For example, if you leave your employer, a traditional rollover is not possible. For this reason, speak with your tax consultant about any CIT investment. On the other hand, costs are low, and that is an enormous advantage. High fees and expenses can quickly eat investing gains.