You are going to invest in a stock mutual fund with a 5.5 percent front-end load and a 1.82 percent expense ratio. You also can invest in a money market mutual fund with a 3.2 percent return and an expense ratio of 0.1 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 10 years?