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.
Just Saving Enough to Get the Match. The TSP offers up to a 5% match and Iâve said many times that not taking advantage of this is biggest federal employee retirement mistake. Chances are you should invest more money into your retirement than what the government will match in the TSP.