At the beginning of the year, you invested $5,000 in a no-load mutual fund with a NAV of $25.00. At the end of the year, the fund distributed $10 per share in short-term earnings and $3.10 per share in long-term earnings. The end-of-year NAV was $24.60. What was your annual rate of return on this Investment? Multiple Choice -5.90% -1.86% 11.80% 15 20% 17.90%