08-25-2014, 09:16 PM
That's up to you. I use TDA as well and DRIP. I rebalance my portfolio as necessary, but the stocks I would be buying with dividends are the same ones I already have. Plus, it's nice to know I'm not sitting on cash if the market rises unexpectedly. I guess the inverse is a valid argument. But in the end, I believe Dollar Cost Averaging comes out as the reason I DRIP.