Corporate Fund started the year with a net asset value of $$12\mathrm{.}70.$ By year$-$end, its NAV equaled $$12\mathrm{.}20.$ The fund paid year$-$end distributions of income and capital gains of $$1\mathrm{.}30.$

Required:

What was the rate of return to an investor in the fund? $($Round your answer to $2$ decimal places.$)$