A year ago, the Constellation Fund was being quoted at an NAV of $$21\mathrm{.}50$ and an offer price of $$23\mathrm{.}35$; today, it's being quoted at $$23\mathrm{.}04($NAV$)$ and $$25\mathrm{.}04($offer$).$ Use the approximate yield formula or a financial calculator to find the rate of return on this load fund; it was purchased a year ago, and its dividends and capital gains distributions over the year totaled $$1\mathrm{.}05$ a share. $($Hint: As an investor, you buy fund shares at the offer price and sell at the NAV.$)$ Do not round intermediate calculations. Round the answer to two decimal places.

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