So I know the S&P will beat a high-yield dividend fund (let's say a covered call fund like JEPI) over time. But if your contribution limit is $7k lets say, would it make sense to dump into a dividend fund, so that later, you can use the dividend to reinvest into S&P ALONG with your $7k regular contribution? So let's say after 10 years of strictly dividend investing, you can now invest your normal $7k, but also the thousands coming in from the dividend fund. My theory is that in the long run, the reinvestment from dividends will catch up to the lost growth initially. I asked chatgpt to run the math (not entirely accurate i know) and it checks out. Am I missing something in my reasoning? (PS: I could see this not working in a taxable account due to the tax rate for unqualified dividends, but in an IRA, it seems perfect to "circumvent" the contribution limit?)