You are considering investing in a mutual fund. The fund is expected to earn a return of $16$ percent in the next year. If its annual return is normally distributed with a standard deviation of $4\mathrm{.}6$ percent, what return can you expect the fund to beat $95$ percent of the time?

$($Round answer to $2$ decimal places, e$.$g$.52\mathrm{.}75\%.)$

Expected Return

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