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.
Leave Money In. You don't have to withdraw your TSP money when you retire, if you have a balance of $200 or more. You can take out part of your money if you withdraw at least $1,000. You also can roll it over into an IRA. Or you can leave the entire amount in the TSP. You can continue to make tax-deductible contributions and accumulate earnings on the balance for as long as you work for the government.