A mutual fund charges an expense ratio of 2.52%, calculated as an average of the beginning and ending values of the investment in the fund. Suppose that you invest $5,000 into the fund and the fund has a gross return of 6% during the first year. During the second year, the return is negative 4%. Calculate the value of your investment at the end of the second year. $5,547.15 $4,835.73 $5,128.95 $5,752.18