The SHGA Fund has a front-end load of 2\%, a back-end load of 5%, and an expense ratio of 0%. NAV of the fund at the beginning of the year (t=0) is $100. During the year, the fund paid out dividend distributions of $2.00 to investors. At the end of the year, the NAV is $120. If an investor sells her fund shares at the end of the year, what is her investment return? 6.84%7.50%13.68%15.00% None of the above