The question is said:'A 10-year, zero-coupon bond with a yield to maturity of 5% has a value of $1000. An investor purchases the band when it is initially traded and then sells it five years later. What is the rate of reture of the investment, assuming the yield to maturity does not change?'

The right answer is 4.01%. So How Can I get 4.1%? because I think it just should be 5%.