You invested $85,000 in a mutual fund at the beginning of the year when the NAV was $33.97. At the end of the year, the fund paid $0.39 in short-term distributions and $0.56 in long-term distributions. If the NAV of the fund at the end of the year was $30.13, 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 %