21 years ago, you bought a bond just after it paid its semiannual coupon. The bond had a coupon rate of 4.9%, a face value of $1,000 and a yield to maturity of 3.4%. It bond had 21 years to maturity, i.e., it matures now.

If you didn't reinvest any of the coupons, what was the realized rate of return over the 21 years?