12. (3 points) Securities X,Y,Z are owned and held by a mutual fund. The table above shows each security's price at the beginning of the year, at the end of the year, and the number of shares owned by the mutual fund. At the beginning of the year, the mutual fund has 10 million shares outstanding and no liabilities. At the end of the year, the mutual has $4 million in liabilities and 10 million shares outstanding. Compute the rate of return of this mutual fund over the 1-year period. Round to nearest 0.01 , in percentage terms. Hint: Review the formula for Net Asset Value (NAV)