Many people in The US who are trying to save for retirement attempt to have fewer dividends since that becomes taxable income. They would prefer just a higher stock value and pay the taxes later when presumably they are retired and in a lower tax bracket. That premise is probably good but you never know how the government is going to change up tax rates in the future.

By the nature of ETFs, you’re definitely going to make less income because your money gets put into an investment pool and returns are proportional. However it makes you less tied to the stock market, which is increasingly tied to a person’s ability to retire