The Nasdaq 100 Trust (QQQQ), known popularly as Cubes or Qubes, tracks the Nasdaq 100 Index. The index was created in 1985 to represent the 100 largest (in terms of market cap) nonfinancial stocks in the Nasdaq Composite Index. One year ago it sold for $48.15 per share; today it sold for $45.65 per share. During the year, it paid dividends totaling $0.15.Hectre used cash to buy 1000 shares of the Qubes one year ago. He closed the position today. What percentage return did Hectre earn on his investment?