Zap Fund is the mainstay of your portfolio. The investment company just announced its year$-$end distributions. The long$-$term capital gain per share is $$4\mathrm{.}25,$ and the dividend per share is $$3\mathrm{.}46.$ Assuming the NAV increased from $$38\mathrm{.}73$ to $$44\mathrm{.}54$ during the year, calculate your total annual return.