An investor buys a 5-year bond with a coupon rate of 6.5% at a price that reflects a yield to maturity of 10.9%. Interest is paid semiannually. Exactly one year later, after receiving the second coupon payment, the investor sells the bond for 97% of par value. What was the investors rate of return on the bond investment for the year? Enter your answer as a decimal out to four decimal places. As an example, you would enter 1.146% as 0.0146. If the return was negative, use a leading dash when entering your answer.