A financial adviser suggests that his client select one of two types of bonds in which to invest \(\$ 5000\). Bond \(X\) pays a return of \(4 \%\) and has a default rate of \(2 \%\). Bond \(Y\) has a \(2 \frac{1}{2} \%\) return and a default rate of \(1 \%\). Find the expected rate of return and decide which bond would be a better investment. When the bond defaults, the investor loses all the investment.