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.
401k Rollover Options: How to Transfer Your 401k Fund. When you leave a job where you have contributed to a 401(k) plan, you have three options for the money: Cash out your 401(k), keep it in your current plan, or move it to another qualified retirement account.A qualified retirement account can be your new employerâs 401(k) plan, a Traditional IRA, or a Roth IRA.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  Inform your employer that you want to rollover to an IRA. 3  Invest Your Money.