You are going to invest in a stock mutual fund with a front-end load of 3.5 percent and an expense ratio of 1.48 percent. You also can invest in a money market mutual fund with a return of 2.1 percent and an expense ratio of 0.40 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 12 years? (Do not round intermediate calculations. Enter your answers as a percent rounded to 2 decimal places.) Annual Return 2 Years 12 Years