Suppose the returns of a particular group of mutual funds are normally distributed with a mean of $9\mathrm{.}7\%$ and a standard deviation of $3\mathrm{.}8\%.$ If the manager of a particular fund wants to be sure that his fund is NOT in the bottom $25\%$ of funds with the lowest return, what return must his fund have? $($please round your answer to $2$ decimal places$)$