(1 pt) John invests 1540 dollars in a mutual fund on January 1. On February 1, his fund balance is 1610 dollars, and he invests an additional 840 dollars. On May 1, his fund balance is 1810 dollars, and he withdraws 543 dollars. On August 1, his fund balance is 1577 dollars, and he withdraws another 157.70 dollars. On the following January 1, his fund balance is 1519.30 dollars. What is John's time-weighted rate of return?