$5.$ John Gray had $900$ shares of HQ Fund on January $1.$ Each share had a value of $$48\mathrm{.}35.$ During the year he received $$1,580$ in dividends and $$1,120$ in capital gains distributions. John used the funds to purchase new shares at an average price of $$45$ per share. By the end of the year the shares went up to $$67\mathrm{.}85$ per share. What is his percentage rate of return?