At the beginning of the year, you invested $5,000 in a no-load mutual fund with a NAV of $40.00. At the end of the year, the fund distributed $2.10 per share in short-term earnings and $3.80 per share in long-term earnings. The end of year NAV was $44.60. What was your annual rate of return on this investment? 25.20 percent 22.85 percent 15.86 percent 31.80 percent 26.25 percent