One of the benefits to dividends seems to be that even if I max out my Roth on January 1, if the market goes down, my reinvested dividends buy me cheaper shares throughout the year. How important is this to total return in a Roth (no tax implications) vs. holding funds that possibly have higher growth? Is there a significant benefit or does it not matter much? I’m not talking about dividend chasing with something like JEPQ. But VTI vs. something like SPMO or VGT that have better recent performance, but lower dividend yield.