4. Consider two mutual funds and an ETF that invest in mid-cap U.S. stocks: VIMSX, CRIMX, and IUH. Below is a table summarizing key statistics for the three funds VIMSX CRIMX IJH ETF 0.07% 8.87% Fund type Expense ratio 10-year annualized return before taxes 10-year annualized return after taxes on distributions Turnover Has the fund distributed capital gains in the past? Passive mutual fundActive mutual fund 0.18% 0.95% 7.78% 6.99% 7.40% 4.35% 8.49% 15% 4% 14% 0 Yes, substantially so 0 Based on the information provided, which fund would you consider the be the most tax efficient? Why