You are considering an Investment in a mutual fund with a 4% load and an expense ratlo of 0.9%. You can Invest Instead In a bank CD paying 6% interest. Required: If you plan to Invest for two years, what annual rate of return must the fund portfollo earn for you to be better off in the fund than In he CD ? Assume annual compounding of returns. (Do not round Intermedlate calculations. Round your answer to 2 decimal places.) If you plan to Invest for slx years, what annual rate of return must the fund portfolio earn for you to be better off in the fund than in he CD? Assume annual compounding of returns. (Do not round Intermedlate calculatlons. Round your answer to 2 decimal places.) Now suppose that Instead of a front-end load the fund assesses a 12b1 fee of 1.15% per year. What annual rate of return must the und portfollo earn for you to be better off in the fund than in the CD? (Do not round Intermedlate calculatlons. Round your answer to 2 decimal places.)