Suppose an investor has $100,000 of investment principal at the beginning of the year. He uses this capital to buy a one-year bond of $100,000 with a coupon of 9%. Inflation will be 4% that year.

 (1) One year later, how much is the actual value of his investment income? (Keep two decimal places in the calculation)

(2) What is the nominal and real return rate of his investment in that year? (The result of calculation retains one decimal place in %)