You are going to invest in a stock mutual fund with a 5 percent front-end load and a 1.36 percent expense ratio. You also can invest in a money market mutual fund with a 4.6 percent return and an expense ratio of 0.2 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 8 years? (Round your answer to 2 decimal places. Omit the "%" sign in your response.) 2 years % 8 years %