Depends on your age, I guess. It's not like I manage my portfolio myself. I defer to e.g., Vanguard and they do what they do and I just watch the balance period

Depends on your age, I guess. It's not like I manage my portfolio myself. I defer to e.g., Vanguard and they do what they do and I just watch the balance periodically. Once I get near retirement, I'll start reinvesting accordingly.