ou are going to invest in a stock mutual fund with a front-end load of 5 percent and an expense ratio of 1.57 percent. You also can invest in a money market mutual fund with a return of 2.6 percent and an expense ratio of 0.30 percent. If you plan to keep your investment for 2 years, what annual return must the stock mutual fund earn to exceed an investment in the money market fund? What if your investment horizon is 7 years? Annual Return 1. 2 years %? and 7 years %