You purchased shares of a mutual fund at an offering price of $95 per share at the beginning of the year and paid a frontend load of 4.00%. If the securities in which the fund invested increased in value by 13.25% during the year, and the funds expense ratio was 1.50%, what is your rate of return if you sold the fund at the end of the year? Enter your answer rounded to two decimal places.

The price of a large cap equity ETF is $45 at the beginning of the year and $54 at the end of the year. If the ETF paid a $2.25 cash dividend, what is the holding period return for the year? Enter your answer rounded to two decimal places.

The current market price for ABC is $77 per share. Initial margin is 50%, maintenance margin is 35% and there is no margin interest. ABC pays annual cash dividends of $3.95 per share. You believe the stock price will decrease over the next year and wish to sell short using margin. Suppose you are correct and the stock falls to $62 per share at the end of the year. What is your percentage return on equity for this trade?