At the Beginning of the Year,you Invested $4,000 in a No-Load

At the beginning of the year,you invested $4,000 in a no-load mutual fund with a NAV of $20.00.At the end of the year,the fund distributed $1.06 in short-term earnings and $3.10 in long-term earnings.The end of year NAV was $19.42.What was your annual rate of return on this investment?

A) -5.90 percent
B) -1.86 percent
C) 11.80 percent
D) 15.36 percent
E) 17.90 percent