If you are not the type to research and invest on your own you may want to leave your money in the TSP account. If your investment mix is doing well there is really no need to change it. The fees are low. Make sure you know all your options in regards to the TSP and withdrawal options, at what age, etc.

If you are the type to research and invest on your own then you may want to consider rolling it over into a Rollover IRA. If you invest/manage it yourself you can save on fees and you will have many more investment options.

My husband is a gray area retiree and we chose to do a rollover of his TSP when he retired from the military back in 2017. We have no regrets and are quite happy with how things have turned out in our investment accounts because I researched before investing and I actively monitor/manage our accounts to keep them on track. He personally has no interest or desire to learn about investing.

People get into trouble when they do a rollover and they really are not the type to do the research in order to self manage their accounts. Do your due diligence.

Good luck with whichever path your choose.