A certain stock mutual fund has 4.5 upfront load, a .575% management fee, a .39% 12b-1 fee, a .1875% trading fee, and a miscellaneous fee of .1625%. You plan to invest in either the mutual fund for 6 years or a money market account yielding 3.99% and you are trying to decide between the two. What rate of return must the mutual fund earn in order to yield better than the money market fund?

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