The Global Growth Fund is a load fund with a 5 percent front load fee. It started the year with a net asset value (NAV) of $16.20. During the year the fund distributed $1.30, and at the end of the year its NAV was $17.90. What was the fund's return, and what was an investor's return? Round your answers to two decimal places.

The fund's return: ______%

Return on the individual's investment: ______%