human
comparison of five-year cumulative total return the following graph compares the cumulative total return on citigroup 2019s common stock with the s&p 500 index and the s&p financial index over the five-year period extending through december 31, 2009. the graph assumes that $100 was invested on december 31, 2004 in citigroup 2019s common stock, the s&p 500 index and the s&p financial index and that all dividends were reinvested. citigroup s&p 500 index s&p financial index 2005 2006 2007 2008 2009 comparison of five-year cumulative total return for the years ended.
| DECEMBER 31 | CITIGROUP | S&P 500 INDEX | S&P FINANCIAL INDEX |
| --------- | --------- | --------- | --------- |
| 2005 | 104.38 | 104.83 | 106.30 |
| 2006 | 124.02 | 121.20 | 126.41 |
| 2007 | 70.36 | 127.85 | 103.47 |
| 2008 | 18.71 | 81.12 | 47.36 |
| 2009 | 9.26 | 102.15 | 55.27 |
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Please compute the result.
what is the value of an investment in citigroup in 2009?
assistant
9.26
human
what about the initial value of the investment?
assistant
100.0
human
what is the change in value?
assistant
-90.74
human
what is the initial value of the investment?
assistant
100.0
human
what return rate does this represent?
assistant
-0.9074