A closed-end fund starts the year with a NAV of $11.06. By year-end, NAV equals $11.79. At the beginning of the year, the fund was selling at a 2% premium to NAV. By the end of the year, the fund is selling at an 8% discount to NAV. The fund paid year-end distributions of income and capital gains of $0.82. What is the rate of return to an investor in the fund during the year? Round your answer to 4 decimal places. For example, if your answer is 3.205%, then please write down 0.0321. 3.42