You invest in a mutual fund that charges 3.8% front-end load, 0.75% in total annual fees, and a 3% back-end load, which decreases 0.50% per year. You invested $1,000,000 on this mutual fund. What will be your rate of return if you cash out after 4 years of no gain? Enter your answer in the box below, round to two decimals. Enter your answer as a full percentage number, for example, if your answer is 10.55%, you must enter 10.55. Enter a negative number for losses