20. AGNA is a closed-end fund. In 1/1/2019, the fund has a NAV of $16 and its share is sold at 4% premium. In 31/12/2019, the fund has a NAV of $18.2 and its share is sold at 6% discount. The fund paid a year-end capital gain of $3.3. If you invest in the fund during the year, what is your rate of return? *