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.
To qualify, you must be age 59 1/2 or older. After separating from the service, you can withdrawal or rollover funds when you desire. Your withdrawal can either be for the full amount or a portion of the funds in the TSP. You will need to open a Roth IRA before requesting the withdrawal. IRAs are not required to accept TSP transfers. When exploring your investment options, find out if the company accepts rollovers and if a minimum amount is required.