Find the exact value of the given expression. 
Definitions:
Holding-Period Return
The total return received from holding an asset or portfolio of assets over a period of time, considering both price appreciation and dividends or interest.
Dividend
Payments made by a corporation to its shareholders, usually as a distribution of profits.
Annual Real Rate
The annual rate of return on an investment, adjusted for inflation, indicating the real purchasing power increase over the investment period.
Holding-Period Return
The total return received from holding an asset or portfolio of assets over a specified period, including interest, dividends, and capital gains.
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