Tristan Sandino was given a 20-year bond when he was twelve years old and would like to sell it on his 21st birthday. The bond has a coupon rate of 4.8% and was purchased for $580. Tristan receives interest checks every six months. If Tristan sells the bond for $1,040, less brokerage fees of $28, what will be his yield during ownership? (Assume the bond is sold just after receiving the 18th interest check.) Round your answer to the nearest tenth of a percent.