You invest $20,000 in a mutual fund that has a front-end load of 5%. The Net Asset Value of the fund at the time you invest is $40. You hold the fund for one year, during which time the fund makes dividend and capital gain distributions of $0.80 per share. At the end of the year, the Net Asset Value of the fund is $43.20 per share. What is your percentage return on your initial investment of $20,000 for the year?