An account had a fund balance of 70 on January 1 and 140 on December 31. The account owner deposited 20 at the end of every month during the year.

An account had a fund balance of 70 on January 1 and 140 on December 31. The account owner deposited 20 at the end of every month during the year. There were withdrawals of 10 on March 30, 30 on June 30, 100 on September 15, and 45 on October 31. Calculate the dollar-weighted (money-weighted) rate of return for the year.