You purchased $3,000$ shares of the New Fund at a price of $$25$ per share at the beginning of the year. You paid a front$-$end load of $4\%.$ The securities in which the fund invests increase in value by $12\%$ during the year. The fund's expense ratio is $1\mathrm{.}8\%.$ What is your rate of return on the fund if you sell your shares at the end of the year?