You are going to invest in a stock mutual fund with a percent front-end load and a 1.31 percent expense ratio. You also can invest in a money market mutual fund with a 4,9 percent return and an expense ratio of 0.3 percent. If you plan to keep your investment for 15 years, what annual percentage rate of return must the stock mutual fund earn to exceed an investment in the money market fund? (Round your answer to 2 decimal places. Omit the sign in your response )