Exactly a year ago, you bought a bond for $ 5,075,000 per share. The par value of the bonds is USD 5 million and will mature in the next 3.5 years. The bonds have a coupon rate of 7.25%, which every six months payment. Currently, after receiving the coupon interest payment, you sell the bond for $ 5,050,000. Calculate your return on investment in the bonds. Is the return higher or lower than the YTM of the bonds? (ignore the transaction fees and taxes)