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.
Before you roll over your pension benefits you'll need to decide which type of IRA you want to set up. You can transfer your money to a traditional IRA or a Roth IRA. If you plan to keep kicking in cash to your IRA after the rollover, a traditional IRA gives you a tax deduction for contributions.efore you roll over your pension benefits you'll need to decide which type of IRA you want to set up. You can transfer your money to a traditional IRA or a Roth IRA. If you plan to keep kicking in cash to your IRA after the rollover, a traditional IRA gives you a tax deduction for contributions.