You probably don't need to own both. Generally speaking,one reason people shuffle mutual fund portfolios is because there's too much overlap between their funds. Here, you've got two index funds. Assuming they are within the same portfolio -- and perhaps even if they aren't -- I don't think there's a need to hold two diff index funds. And .5% does seem like a lot for passive management. I pay only a hair more than that for my DODGX!
I have it this way because PEOPX is the only index fund available in my 401k. Right now, I'm contributing to my IRA about as much as my 401k. Should I ditch PEOPX and stick just with the managed funds in my 401k, discussed in this thread?
In that case, I'd stick with DSPIX in the IRA as about 30% of my portfolio I'd like to retire in 25 years.[/url]
Can anyone answer my last question, above? Thanks.