13. You pay S22,200 to the Golden Fund, which has a NAV of $22 per share at the beginning of the year. The fund deducted a front-end load of 4.00% The securities in the fuld increased in value by 10% during the year. The fund's expense ratio is 1.2% and is deducted from year-end asset values. What is your rate of return on the fund if you sell your shares at the end of the year