What happens when markets plunges by 2000 points in 2 weeks the way it happened in May 06? THe way I look at it is dividend option is the best bet. It is my money that I get back and I am the one who will decide what shud be done with it. Situation is not always hunky dory as made out by the so called anaysts. If I go for div reinvstment and market dips after the dividend is declared then all my money goes to drain and I have to wait for couple of months or years for that matter to get back my own money.,