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.
The Thrift Savings Plan (TSP) can accept transfers (or rollovers) of eligible distributions from any eligible retirement plan, including a traditional IRA and an eligible employer plan (or its designated financial institution). Only TSP participants who have open accounts can transfer money into the TSP. This includes participants who are separated from Federal civilian service or the uniformed serv ices. Participants cannot open a TSP account by transferring funds to the TSP.