If you had a fund with a Year 1 return of +30% and a year 2 return of -25%, what is this fund's a) average annual return for the two years and b) actual return for the two year period?

A+2.5% b) -2.5%

A+5% b) 0%

A+2.5% b) +2.5%

A+5% b) +2.5%