You invested $55,000 in a mutual fund at the beginning of the year when the NAV was $32.18. At the end of the year, the fund paid $0.33 in short-term distributions and $0.50 in long-term distributions. If the NAV of the fund at the end of the year was $29.43, what was your return for the year? (A negative value should be indicated by a minus sign. Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places.) Rate of return