The yields of four zero-coupon bonds of varying maturities are as follows:

Maturity YTM

1 6.1%

2 6.2%

3 6.3%

4 6.4%

If you expect the implied term structure to be the same next year as it is this year, what is the expected return on the 3-year zero coupon bond over the coming year? Please express your answer in percent, rounded to the nearest basis point.