John invests 1300 dollars in a mutual fund on January 1. On February 1, his fund balance is 1410 dollars, and he invests an additional 860 dollars. On May 1, his fund balance is 1650 dollars, and he withdraws 660 dollars. On August 1, his fund balance is 1300 dollars, and he withdraws another $130.00$ dollars. On the following January 1, his fund balance is $1260.00$ dollars. What is John's time-weighted rate of return?
Answer = percent.