Find the EAR (effective annual rate) for this portfolio and revise if the Total Holding Period Return is correct.

Thank you!!

Type of Security Quantity Current Market Price 12/20 Value 12/20 Gain/Loss Holding period return EAR Large-Cap Equity ETF Stock Stock Stock 790 615 457.40 54.54 61.71 361,346 33,542 11,910 31,557 438,355 193 -11,210 -4,791 1,988 2,351 -11,662 -6.02% -25.00% 40.07% 16.10% 185 170.58 0 Small-Cap Equity Stock Stock 5,084 4,600 6.95 21.89 35,334 100,694 136,028 -1,779 -12,190 -13,969 -9.59% -21.60% 0 International Equity Mutual Fund 3,917 47.85 187,428 -12,534 -12.54% 187,428 -12,534 Fixed Income T-Note 1,546 99.55 5.17% 153,900 153,900 3,876 3,876 0 Cash 1.13 -219 Currency Currency 21,929 2,873,563 -1.75% 2.30% 0.0088 287 24,780 25,287 50,067 965,778 68 0 -34,222 -6.84% 0 Total Holding period return