An investor has $10,000 to invest in a fund. Fund A's average return is 12%. It has a front end load of 4.5% and an annual fee of 1%. Fund B's average return is 11%. It is no-load and has a 0.75% annual fee. Which of the following is true if the investor has a 5-year time horizon? Fund A is better by $1294.64 Fund B is better by $196.64 Fund A is better by $738.05 Fund B is better by $20.22