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.
Letâs look at an example of an individual who retires at the age of 57 with a balance of $250,000 in their TSP account. Their TSP investments will continue to grow at a rate of 5% per year. At age 57 the monthly payments begin at $746.71. By age 65 they have reached $1,060.41 per month. At age 69, just before reaching the age for required minimum distributions it is $1,241.21 per month.