You pay $$20,000$ to an open$-$end fund and the fund then deducts a front$-$end load of $4\%.$ The securities in the fund increase in value by $10\%$ during the year. The fund's expense ratio is $0\mathrm{.}5\%$ and is deducted from year$-$end asset values. Compute the rate of return on your investment if you sell your shares at the end of the year.