Without a plan for your retirement, there is no end destination.
With a dividend re-investment plan you can compound your dividends and arrive at an end destination, allowing a margin of error.
With a TR plan you are relying on luck to fund your retirement as there is no end destination.
Even a bad plan is better than no plan, as you can correct any mistakes as you continue with your journey.
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Regards for helping out, wonderful information. “Our individual lives cannot, generally, be works of art unless the social order is also.” by Charles Horton Cooley.