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Macro#3Sp22 Class return of 5% to double in value? 7. How long will it take an investment of $10,000 in a mutual fund that consistently ears an annual rate of GDP is: 21. In fractional reserve banking, banks: a. are required to reserve a set fraction of loans to become deposits. b. do not lend out all deposits but retain at least a desired percentage of deposits as reserves. c. can accept only a fraction of depositors' income as deposits, reserving the rest of their income for consumption d. must lend a set minimum proportion of deposits to households rather than making all of their loans to firms