You purchased 1,000 shares of the New Fund at a price of $20 per share at the beginning of the year. You paid a front-end load of 4%. The TNA of New Fund at the beginning of the year is $100 million; and $150 million at the end of year. The net inflow into the New Fund at the end of year is $10 million. The fund's expense ratio is 1% What is your rate of return on the fund if you sell your shares at the end of year