The rate of return for a particular stock during $2015$ was $10\mathrm{.}45\%.$ The return during $2016$ was $-3\mathrm{.}54\%.$ The return during $2017$ was $7\mathrm{.}09\%.$ The return during $2018$ was $4\mathrm{.}63\%$ Calculate the average annual effective rate of return. $($Answer in terms of a percentage$).$