You are going to invest in a stock mutual fund with a 4 percent front-end load and a 1.47 percent expense ratio. You also can invest in a money market mutual fund with a 2.2 percent return and an expense ratio of 10 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 13 years? (Do not round intermediate calculations. Enter your answers as a percent rounded to 2 decimal places. Omit the "%" sign in your response.) 2 years 13 years