A year ago, an investor bought 170 shares of a mutual fund for $11.90 per share: This year, the fund has had total distributions of $0.95 per share and the investor decides to reinvest the distributions into the fund and is able to do so at an average price of $12.30. This fund has a back-end load of 2% and is now trading at $12.70 per share. Find the investor's holding period return. 12.67% 17.89% 14.97% 13.55%