You are going to invest in a stock mutual fund with a front$-$end load of $4$ percent and an expense ratio of $1\mathrm{.}47$ percent. You also can invest in a money market mutual fund with a return of $2\mathrm{.}2$ percent and an expense ratio of $0\mathrm{.}10$ 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?