Question 45 2.32 pts You have $15,000 to invest in a mutual fund. You choose a fund with a 3.5% front load, a 1.75% management fee and a 0.5% 12b- 1 fee. Assume that the management and 126-1 fees are charged on year end assets for simplicity. The gross annual return on the fund's shares was 12.50%. What was your net annual rate of return to the nearest basis point? 25% 42% 12% 56% 97%