Kenny invested $5,000 in a mutual fund, one year ago, in a no-load mutual fund when the NAV was $23.02 per share. As of today, the fund has distributed a total of $1.34 per share in long-term gains and $.85 per share in short-term gains. The current NAV is $27.08 per share. What is Kenny's return for the year?

20.42%

23.76%

-5.62%

25.30%

27.15%