You are considering buying a $1,038.46 bond today with a $1,000 face value, a 6% coupon payment paid semi-annually with 14 years to maturity (28 payment periods). You plan to keep the bond until the end of year 4 and then you will sell it to someone else. During the holding period however, you realize that you can invest the coupon payments for 4 years at a 4% quoted annual interest rate. If the Yield to Maturity of the bond starting on year 4 is 6%, what will be your expected annualized rate of return?