An investor buys shares in the SKY-IS-THE-LIMIT Mutual Fund on January 1 at a net asset value of $130.25. At the end of the year, the price of the SKY-IS-THE-LIMIT Mutual Fund is $126.50. The investor received $3.75 in dividends and $1.00 in capital gains distributions during the year. What is the total percentage return on this mutual fund's beginning net asset value? (Show your work and answer rounded to two places to the right of the decimal point, e.g. xx.xx%.)