You are considering an investment in a mutual fund with a 10% load and an expense ratio of . 3%. You can invest instead in a bank CD paying 5% interest. If you plan to invest for 4 years, what annual gross rate of return must the fund portfolio earn for you to be better off in the fund than in the CD ? Assume annual compounding of returns. Round your answer to 4 decimal places. For example, if your answer is 3.205%, then please write down 0.0321