A 10-year corporate bond is issued on 1/4/18 with a face value of $100 and a coupon of 5% pa (paid semi-annually with coupons paid on March 31 and September 30). On 3/6/19 Hannah buys this bond at a yield of 4% pa and she sells it on 22/8/19 at a yield of 5% pa. What has her annual return been?