You are going to invest in a stock mutual fund with a front$-$end load of $5$ percent and an expense ratio of $1\mathrm{.}43$ percent. You also can invest in a money market mutual fund with a return of $2\mathrm{.}4$ percent and an expense ratio of $0\mathrm{.}30$ 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 $11$ years?

Note: Do not round intermediate calculations. Enter your answers as a percent rounded to $2$ decimal places.