A year ago today, you invested $30,000 in a mutual fund that tracks the broad market index. This fund had a NAV of $24/share at the time you opened your account. The fund charges you a 4% front end load and a 3% back end load. During the course of the year, your fund paid out $7/share in distributions, which you fully reinvested in the fund by purchasing new shares at a price of $25/share. Today, your fund has a NAV of $29.
Calculate your HPR?