So I currently am invested in VFIAX in my Roth IRA account. I was wondering if it'd be worth switching to SPLG which is the same kind of ETF has a 1.35% dividend. With reinvesting the dividend, even when I max out my Roth with $7,000 per year, I will still be buying shares even though I'm at the $7,000 limit. Seems like a super beneficial loop hole? Or am I misunderstanding this?