Trace plans to retire in 3 years with $518,000 in his account. If he receives payments of $123,400 per year and he receives his first $123,400 payment in 3 years and his last $123,400 payment in 7 years, then what is the expected annual return for his account? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.