<prompt> Human: I am opening up a roth ira through vanguard and am buying a target date fund. During the opening it asked what I wanted to do with dividends and capital gains. I believe the options were reinvest or money market. Normally I would choose reinvest, but the default was the other option. What should I choose? Does anyone know what Im talking about? I am very confused.  <response>: Reinvesting is the best choice and will likely get you the greatest returns unless you were very proactive and immediately invested any money in your settlement account into a different fund. 