You have $10,000 to invest and want to maximize your return over the next 5 years. You are considering two investment options: a savings account that pays an annual interest rate of 2% and a mutual fund that has an average annual return of 8%. The mutual fund charges a 1.5% annual management fee. Which investment option would provide the highest total return over the 5-year period, and what would be the difference in total return between the two options?