No. of Recommendations: 0
Q 1 is difficult to answer. On the surface it depends on how large your account balance is and how quickly you plan to grow it. But other factors are how the two funds are expected to perform. At first approximation, you should do VQPNX until that 0.19% difference equals $10 in your account. That would be $5263.16. But you will have do decide for yourself what is best in your case.

If you buy SPY, you will pay a stock purchase commission both when you buy and when you sell. It has a low expense ratio--0.18% or so. Otherwise, SPY ownership involves no other expenses. So shop around and buy it at a discount broker. But watch out for Roth IRA accounts that have annual maintenance fees.
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