Mutual Fund Returns. You invested $20,000 in a mutual fund on Jan 1st, 2020 when the NAV was $28.68. On Dec 31st, 2020, the fund paid $0.49 per share in short-term distributions and $0.75 per share in long-term distributions. If the NAV of the fund at the end of the year was $28.68, what was your return for the year? Provide answer in decimal format (e.g. 11.51 percent = .1151).