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.
1 If you want to keep your money in the TSP after you retire, you have three options: 2  A single lump sum withdrawal. 3  If you choose this option itâs important to remember that the money is pre-tax, so youâll need to be aware of the amount of taxes youâll get hit with.