Aakish invested 100,000 in the Tatum Trust Fund.After 6 months Aakish's investment had grown to 120,500 and he withdrew 30,500 in order to spend the summer in Europe.

At the end of the summer, he had 10,000 left over that he did not spend in Europe. Aakish decided to deposit that money back into the Tatum Trust Fund. Prior to his deposit, the amount of money that he had in the Fund was 95,000.

Aakish made no further withdrawals or deposits. At the end of two years, Aakish had 96,500.

Calculate the annual effective time weighted return earned by Aakish.