On January $1$st$,2010,$ you purchased a preferred stock at a price of $$10.$ This stock pays a quarterly dividend of $$0\mathrm{.}20.$ You sell the stock at the market price five years later when the effective annual rate of return required by the market is $8\%.$ Calculate the effective annual rate of return that you achieved by holding this stock for five years, assuming that the received dividends were reinvested at an annual rate of $6\%$ compounded monthly for the first three years and $5\%$ compounded semi$-$annually for the following two years.