Dividends versus limited or no dividend growth stocks. The kicker being that the growth stocks you pick must grow and you must harvest the gains at the right time. I managed my kids college funds and between the late 90's until they were going to college those funds saw 3 huge stock declines. Luckily, the kids were always able to wait until they recovered to pull funds out. I about crapped my pants during the great recession, that was just absolutely brutal. So, a dividend fund that just pays out and gets partially reinvested appeals strongly to me.