The following table represents your cash inflows and outflows to the Efficient Minds Capital Emerging Market Growth Fund. As you can see, you panicked at the end of the first year by withdrawing 30,000 after seeing a 20% decline in your portfolio (i.e., you sold low). In year 2 you regained your confidence in Efficient Minds Capital by reinvesting 40,000 following the stellar 50% returns. You sat still in year 3 and then pulled out all of your money at the end of year 4.

Year	0	1	2	3	4
Beginning value		100,000	50,000	115,000	126,500
Gain (%)		-20%	+50%	+10%	+10%
Gain ($)		-20,000	+25,000	+11,500	+12,650
Inflow (+) or Outflow (-) from fund	+100,000	-30,000	+40,000	0	-139,150
Ending value	100,000	50,000	115,000	126,500	0

Calculate the dollar-weighted return using MIRR and presuming your finance rate and reinvestment rate are both 10%. Express your answer in decimal notation. [Hint: remember, an inflow (+) to the fund is an outflow (-) from your pocket and vice-versa]