XYZ stock price and dividend history are as follows: Year Beginning-of-Year Price Dividend Paid at Year-End $ 124 $ 4 2010 2011 $ 135 $4 2012 $ 115 $4 2013 $ 120 $ 4 An investor buys six shares of XYZ at the beginning of 2010, buys another two shares at the beginning of 2011, sells one share at the beginning of 2012, and sells all seven remaining shares at the beginning of 2013. What are the geometric average time-weighted rates of return for the investor? (Do not round intermediate calculations. Enter your answer as a decimal number rounded to four decimal places)