A newly issued bond pays its coupons once annually. Its coupon rate is $4\mathrm{.}2\%,$ its maturity is $20$ years, and its yield to maturity is $11\mathrm{.}5\%.$

a$.$Find the holding$-$period return for a $1-$year investment period if the bond is selling at a yield to maturity of $10\mathrm{.}5\%$ by the end of the year.$($Do not round intermediate calculations. Round your answer to $2$ decimal places.$)$