id	sid	eid	entity	type
cjfa-16357	1	1	copernican journal of finance & accounting e-issn 2300-3065	ORG
cjfa-16357	1	2	2300-12402017	DATE
cjfa-16357	1	3	6	CARDINAL
cjfa-16357	1	4	3 date	DATE
cjfa-16357	1	5	june 4, 2017	DATE
cjfa-16357	1	6	september 10, 2017	DATE
cjfa-16357	3	1	k.nowak@doktorant.umk.pl	GPE
cjfa-16357	3	2	nicolaus copernicus university	ORG
cjfa-16357	3	3	torun	GPE
cjfa-16357	3	4	13a	DATE
cjfa-16357	3	5	87	CARDINAL
cjfa-16357	3	6	torun	GPE
cjfa-16357	3	7	poland	GPE
cjfa-16357	3	8	607 552 226	CARDINAL
cjfa-16357	5	1	nowak	PERSON
cjfa-16357	5	2	2017	CARDINAL
cjfa-16357	7	1	copernican journal of finance & accounting	ORG
cjfa-16357	7	2	6(3	CARDINAL
cjfa-16357	8	1	kamil nowak	PERSON
cjfa-16357	8	2	nicolaus copernicus university	ORG
cjfa-16357	8	3	torun	GPE
cjfa-16357	9	1	j e l	PERSON
cjfa-16357	10	1	american	NORP
cjfa-16357	12	1	second	ORDINAL
cjfa-16357	14	1	etfs	ORG
cjfa-16357	18	1	years	DATE
cjfa-16357	18	2	nowak76	GPE
cjfa-16357	20	1	american	NORP
cjfa-16357	30	1	brinson & siegel	ORG
cjfa-16357	30	2	2015	DATE
cjfa-16357	30	3	6	CARDINAL
cjfa-16357	31	1	dc	GPE
cjfa-16357	33	1	1	CARDINAL
cjfa-16357	35	1	2016	CARDINAL
cjfa-16357	35	2	31%	PERCENT
cjfa-16357	37	1	1	CARDINAL
cjfa-16357	38	1	2016	CARDINAL
cjfa-16357	46	1	brinson & siegel	ORG
cjfa-16357	46	2	2015	DATE
cjfa-16357	47	1	dc	GPE
cjfa-16357	49	1	1	CARDINAL
cjfa-16357	51	1	2016	CARDINAL
cjfa-16357	51	2	31%	PERCENT
cjfa-16357	53	1	1	CARDINAL
cjfa-16357	54	1	2016	CARDINAL
cjfa-16357	55	1	americans	NORP
cjfa-16357	56	1	2	CARDINAL
cjfa-16357	56	2	dc	GPE
cjfa-16357	56	3	12 years	DATE
cjfa-16357	56	4	2000-2012	DATE
cjfa-16357	57	1	dc	GPE
cjfa-16357	58	1	two	CARDINAL
cjfa-16357	59	1	4%	PERCENT
cjfa-16357	59	2	$5,2 $2,8 $7,5 $7,0 $	MONEY
cjfa-16357	59	3	2016	CARDINAL
cjfa-16357	59	4	ira dc	GPE
cjfa-16357	59	5	o	DATE
cjfa-16357	60	1	americans	NORP
cjfa-16357	61	1	2	CARDINAL
cjfa-16357	61	2	dc	GPE
cjfa-16357	61	3	12 years	DATE
cjfa-16357	61	4	2000	DATE
cjfa-16357	61	5	2012	DATE
cjfa-16357	62	1	dc	GPE
cjfa-16357	63	1	two	CARDINAL
cjfa-16357	64	1	4%	PERCENT
cjfa-16357	64	2	up to 11%	PERCENT
cjfa-16357	64	3	munnell et al.	ORG
cjfa-16357	64	4	2015	DATE
cjfa-16357	64	5	6	CARDINAL
cjfa-16357	65	1	2	CARDINAL
cjfa-16357	66	1	2000–2012	CARDINAL
cjfa-16357	66	2	up to 11%	PERCENT
cjfa-16357	66	3	munnell et al.	ORG
cjfa-16357	66	4	2015	DATE
cjfa-16357	67	1	2	CARDINAL
cjfa-16357	68	1	crawford	GPE
cjfa-16357	68	2	munnell	ORG
cjfa-16357	68	3	boston college	ORG
cjfa-16357	68	4	2015	DATE
cjfa-16357	69	1	many years	DATE
cjfa-16357	70	1	4-5%	PERCENT
cjfa-16357	70	2	annual	DATE
cjfa-16357	70	3	2000	DATE
cjfa-16357	71	1	today	DATE
cjfa-16357	71	2	10 years	DATE
cjfa-16357	71	3	2%	PERCENT
cjfa-16357	72	1	500	CARDINAL
cjfa-16357	74	1	4-5%	PERCENT
cjfa-16357	74	2	annual	DATE
cjfa-16357	76	1	ericson & madland	ORG
cjfa-16357	76	2	2014	DATE
cjfa-16357	77	1	3	CARDINAL
cjfa-16357	77	2	0.25%	PERCENT
cjfa-16357	77	3	1%	PERCENT
cjfa-16357	77	4	1.3%	PERCENT
cjfa-16357	77	5	25 years old	DATE
cjfa-16357	77	6	30,502 usd	MONEY
cjfa-16357	77	7	2014	DATE
cjfa-16357	77	8	us	GPE
cjfa-16357	77	9	75 000 usd	QUANTITY
cjfa-16357	78	1	5%	PERCENT
cjfa-16357	78	2	2,2%	PERCENT
cjfa-16357	78	3	3,1%	PERCENT
cjfa-16357	78	4	4,7%	PERCENT
cjfa-16357	78	5	0,0%	PERCENT
cjfa-16357	78	6	0,5%	PERCENT
cjfa-16357	78	7	1,0%	PERCENT
cjfa-16357	78	8	1,5%	PERCENT
cjfa-16357	78	9	2,0%	PERCENT
cjfa-16357	78	10	2,5%	PERCENT
cjfa-16357	78	11	3,0%	PERCENT
cjfa-16357	78	12	3,5%	PERCENT
cjfa-16357	78	13	4,0%	PERCENT
cjfa-16357	78	14	4,5%	PERCENT
cjfa-16357	78	15	5,0%	PERCENT
cjfa-16357	78	16	ira dc db geometric rates	PERSON
cjfa-16357	78	17	2000–2012	CARDINAL
cjfa-16357	78	18	o	DATE
cjfa-16357	78	19	crawford	GPE
cjfa-16357	78	20	munnell	ORG
cjfa-16357	78	21	boston college	ORG
cjfa-16357	78	22	2015	DATE
cjfa-16357	78	23	6	CARDINAL
cjfa-16357	79	1	many years	DATE
cjfa-16357	80	1	4–5%	PERCENT
cjfa-16357	80	2	annual	DATE
cjfa-16357	80	3	2000	DATE
cjfa-16357	81	1	today	DATE
cjfa-16357	81	2	10 years	DATE
cjfa-16357	81	3	2%	PERCENT
cjfa-16357	82	1	500	CARDINAL
cjfa-16357	84	1	4–5%	PERCENT
cjfa-16357	84	2	annual	DATE
cjfa-16357	86	1	nowak78 icskon	PERSON
cjfa-16357	86	2	ericson & madland	ORG
cjfa-16357	86	3	2014	DATE
cjfa-16357	86	4	1	CARDINAL
cjfa-16357	87	1	3	CARDINAL
cjfa-16357	87	2	0.25%	PERCENT
cjfa-16357	87	3	1%	PERCENT
cjfa-16357	87	4	1.3%	PERCENT
cjfa-16357	87	5	25 years old	DATE
cjfa-16357	87	6	30,502 usd	MONEY
cjfa-16357	87	7	2014	DATE
cjfa-16357	87	8	us	GPE
cjfa-16357	87	9	75 000 usd	QUANTITY
cjfa-16357	88	1	5%	PERCENT
cjfa-16357	88	2	10%	PERCENT
cjfa-16357	89	1	as high as	CARDINAL
cjfa-16357	89	2	as high as	CARDINAL
cjfa-16357	89	3	75 000 usd	QUANTITY
cjfa-16357	92	1	3	CARDINAL
cjfa-16357	92	2	10%	PERCENT
cjfa-16357	93	1	as high as	CARDINAL
cjfa-16357	93	2	as high as	CARDINAL
cjfa-16357	93	3	75 000 usd	QUANTITY
cjfa-16357	96	1	3	CARDINAL
cjfa-16357	96	2	erickson	PERSON
cjfa-16357	96	3	american	NORP
cjfa-16357	96	4	2014	DATE
cjfa-16357	98	1	first	ORDINAL
cjfa-16357	98	2	first decade of 21st century	DATE
cjfa-16357	99	1	etf	PERSON
cjfa-16357	99	2	bernstein	PERSON
cjfa-16357	99	3	bernstein	ORG
cjfa-16357	99	4	2001	DATE
cjfa-16357	99	5	gastineau	PERSON
cjfa-16357	99	6	gastineau	GPE
cjfa-16357	99	7	2001	DATE
cjfa-16357	100	1	one	CARDINAL
cjfa-16357	100	2	first	ORDINAL
cjfa-16357	100	3	2001	DATE
cjfa-16357	102	1	2002	DATE
cjfa-16357	103	1	etfs	ORG
cjfa-16357	103	2	2003	DATE
cjfa-16357	106	1	fein	ORG
cjfa-16357	107	1	dapp	ORG
cjfa-16357	107	2	dapp	ORG
cjfa-16357	107	3	2016	DATE
cjfa-16357	108	1	2016	DATE
cjfa-16357	109	1	digital	ORG
cjfa-16357	109	2	336 $166	MONEY
cjfa-16357	109	3	$50 000 $100 000 $150 000 $200 000	MONEY
cjfa-16357	109	4	0,25%	PERCENT
cjfa-16357	109	5	1,00%	PERCENT
cjfa-16357	109	6	1,30%	PERCENT
cjfa-16357	109	7	age 25	DATE
cjfa-16357	109	8	$30,502 $	MONEY
cjfa-16357	109	9	409	MONEY
cjfa-16357	109	10	$100 000 $200 000 $300 000 $400 000 $500 000	MONEY
cjfa-16357	109	11	0,25%	PERCENT
cjfa-16357	109	12	1,00%	PERCENT
cjfa-16357	109	13	1,30%	PERCENT
cjfa-16357	109	14	age 25	DATE
cjfa-16357	109	15	75,000	MONEY
cjfa-16357	109	16	10%	PERCENT
cjfa-16357	110	1	as high as	CARDINAL
cjfa-16357	110	2	as high as	CARDINAL
cjfa-16357	110	3	75 000 usd	QUANTITY
cjfa-16357	113	1	3	CARDINAL
cjfa-16357	113	2	erickson	PERSON
cjfa-16357	113	3	american	NORP
cjfa-16357	113	4	2014	DATE
cjfa-16357	115	1	first	ORDINAL
cjfa-16357	115	2	first decade of 21st century	DATE
cjfa-16357	116	1	etf	PERSON
cjfa-16357	116	2	bernstein	PERSON
cjfa-16357	116	3	bernstein	ORG
cjfa-16357	116	4	2001	DATE
cjfa-16357	116	5	gastineau	PERSON
cjfa-16357	116	6	gastineau	GPE
cjfa-16357	116	7	2001	DATE
cjfa-16357	117	1	one	CARDINAL
cjfa-16357	117	2	first	ORDINAL
cjfa-16357	117	3	2001	DATE
cjfa-16357	119	1	2002	DATE
cjfa-16357	120	1	etfs	ORG
cjfa-16357	120	2	2003	DATE
cjfa-16357	123	1	fein	ORG
cjfa-16357	124	1	dapp	ORG
cjfa-16357	124	2	dapp	ORG
cjfa-16357	124	3	2016	DATE
cjfa-16357	125	1	2016	DATE
cjfa-16357	126	1	digital	ORG
cjfa-16357	126	2	336 $166	MONEY
cjfa-16357	126	3	$50 000 $100 000 $150 000 $200 000	MONEY
cjfa-16357	126	4	0,25%	PERCENT
cjfa-16357	126	5	1,00%	PERCENT
cjfa-16357	126	6	1,30%	PERCENT
cjfa-16357	126	7	age 25	DATE
cjfa-16357	126	8	$30,502 $	MONEY
cjfa-16357	126	9	409	MONEY
cjfa-16357	126	10	$100 000 $200 000 $300 000 $400 000 $500 000	MONEY
cjfa-16357	126	11	0,25%	PERCENT
cjfa-16357	126	12	1,00%	PERCENT
cjfa-16357	126	13	1,30%	PERCENT
cjfa-16357	126	14	age 25	DATE
cjfa-16357	126	15	75,000	MONEY
cjfa-16357	126	16	o	DATE
cjfa-16357	126	17	erickson	PERSON
cjfa-16357	126	18	american	NORP
cjfa-16357	126	19	2014	DATE
cjfa-16357	126	20	3	CARDINAL
cjfa-16357	127	1	first	ORDINAL
cjfa-16357	127	2	first decade of 21st century	DATE
cjfa-16357	128	1	etf	PERSON
cjfa-16357	128	2	bernstein	ORG
cjfa-16357	128	3	bernstein & phyllis	ORG
cjfa-16357	128	4	2002	DATE
cjfa-16357	128	5	39	CARDINAL
cjfa-16357	128	6	gastineau	PERSON
cjfa-16357	128	7	gastineau	GPE
cjfa-16357	128	8	2001	DATE
cjfa-16357	129	1	one	CARDINAL
cjfa-16357	129	2	first	ORDINAL
cjfa-16357	129	3	2001	DATE
cjfa-16357	131	1	79 2002	DATE
cjfa-16357	132	1	etfs	ORG
cjfa-16357	132	2	2003	DATE
cjfa-16357	135	1	fein	ORG
cjfa-16357	136	1	dapp	ORG
cjfa-16357	136	2	dapp	ORG
cjfa-16357	136	3	2016	DATE
cjfa-16357	137	1	2016	DATE
cjfa-16357	138	1	digital advisory business	ORG
cjfa-16357	138	2	infosys	ORG
cjfa-16357	138	3	120%	PERCENT
cjfa-16357	138	4	annual	DATE
cjfa-16357	139	1	blackrock	GPE
cjfa-16357	142	1	first	ORDINAL
cjfa-16357	142	2	american	NORP
cjfa-16357	146	1	morningstar database	PERSON
cjfa-16357	146	2	annual	DATE
cjfa-16357	147	1	10 years	DATE
cjfa-16357	150	1	kamil nowak80 etfs	PERSON
cjfa-16357	150	2	early nineties	DATE
cjfa-16357	151	1	etfs	ORG
cjfa-16357	153	1	2000%	PERCENT
cjfa-16357	153	2	the last 10 years	DATE
cjfa-16357	155	1	only 0.02%	PERCENT
cjfa-16357	156	1	48%	PERCENT
cjfa-16357	156	2	etfs	ORG
cjfa-16357	158	1	one	CARDINAL
cjfa-16357	158	2	etfs	ORG
cjfa-16357	158	3	daily	DATE
cjfa-16357	159	1	intraday	TIME
cjfa-16357	162	1	first	ORDINAL
cjfa-16357	163	1	one	CARDINAL
cjfa-16357	163	2	daily	DATE
cjfa-16357	163	3	charles schwab	PERSON
cjfa-16357	163	4	one	CARDINAL
cjfa-16357	167	1	daily	DATE
cjfa-16357	170	1	81	CARDINAL
cjfa-16357	176	1	etfs	ORG
cjfa-16357	177	1	almost 150%	PERCENT
cjfa-16357	179	1	nowak	PERSON
cjfa-16357	179	2	2016	DATE
cjfa-16357	179	3	166	CARDINAL
cjfa-16357	180	1	hill et al.	ORG
cjfa-16357	180	2	2015	DATE
cjfa-16357	180	3	9	CARDINAL
cjfa-16357	181	1	etf	GPE
cjfa-16357	182	1	morningstar	ORG
cjfa-16357	182	2	u.s.	GPE
cjfa-16357	182	3	etf	GPE
cjfa-16357	182	4	0.35%	PERCENT
cjfa-16357	182	5	0.87%	PERCENT
cjfa-16357	182	6	etfs	ORG
cjfa-16357	182	7	0.1%	PERCENT
cjfa-16357	183	1	0.65%	PERCENT
cjfa-16357	183	2	1.21%	PERCENT
cjfa-16357	184	1	3	CARDINAL
cjfa-16357	185	1	1	CARDINAL
cjfa-16357	185	2	11	CARDINAL
cjfa-16357	185	3	500	CARDINAL
cjfa-16357	186	1	2	CARDINAL
cjfa-16357	186	2	3	CARDINAL
cjfa-16357	187	1	aum	ORG
cjfa-16357	188	1	27.08 billion dollars	MONEY
cjfa-16357	189	1	aum	ORG
cjfa-16357	189	2	etfs	ORG
cjfa-16357	189	3	60 million	CARDINAL
cjfa-16357	191	1	1	CARDINAL
cjfa-16357	191	2	aum	ORG
cjfa-16357	191	3	(%	PERCENT
cjfa-16357	192	1	500 (%	PERCENT
cjfa-16357	192	2	1	CARDINAL
cjfa-16357	192	3	500	CARDINAL
cjfa-16357	192	4	0.14 21.29	CARDINAL
cjfa-16357	192	5	13.77	CARDINAL
cjfa-16357	192	6	500	CARDINAL
cjfa-16357	192	7	116600 0.10	DATE
cjfa-16357	192	8	500	CARDINAL
cjfa-16357	192	9	25800	CARDINAL
cjfa-16357	192	10	13.83 7.61	CARDINAL
cjfa-16357	192	11	500	CARDINAL
cjfa-16357	192	12	10100	CARDINAL
cjfa-16357	192	13	500	CARDINAL
cjfa-16357	192	14	6200	CARDINAL
cjfa-16357	192	15	-0.25	CARDINAL
cjfa-16357	192	16	-0.25	CARDINAL
cjfa-16357	192	17	500	CARDINAL
cjfa-16357	192	18	5300 0.48 21.33	CARDINAL
cjfa-16357	192	19	13.37 7.00	CARDINAL
cjfa-16357	192	20	500	CARDINAL
cjfa-16357	192	21	4100	CARDINAL
cjfa-16357	192	22	0.30 21.06	CARDINAL
cjfa-16357	192	23	7.33	CARDINAL
cjfa-16357	192	24	®	ORG
cjfa-16357	192	25	13.15	CARDINAL
cjfa-16357	192	26	6.93 -0.89 -0.79	QUANTITY
cjfa-16357	192	27	500	CARDINAL
cjfa-16357	192	28	2600	CARDINAL
cjfa-16357	192	29	13.28	CARDINAL
cjfa-16357	192	30	7.05	MONEY
cjfa-16357	192	31	500	CARDINAL
cjfa-16357	192	32	1400	CARDINAL
cjfa-16357	192	33	9.51	CARDINAL
cjfa-16357	192	34	500	CARDINAL
cjfa-16357	192	35	1300	CARDINAL
cjfa-16357	194	1	invesco	PERSON
cjfa-16357	194	2	500	CARDINAL
cjfa-16357	194	3	1000	CARDINAL
cjfa-16357	194	4	500	CARDINAL
cjfa-16357	194	5	0.64	CARDINAL
cjfa-16357	194	6	13.25	CARDINAL
cjfa-16357	194	7	83	CARDINAL
cjfa-16357	194	8	aum	ORG
cjfa-16357	194	9	(%	PERCENT
cjfa-16357	195	1	500 (%	PERCENT
cjfa-16357	195	2	1	CARDINAL
cjfa-16357	195	3	10	CARDINAL
cjfa-16357	195	4	500	CARDINAL
cjfa-16357	195	5	7.25	CARDINAL
cjfa-16357	195	6	500	CARDINAL
cjfa-16357	195	7	1.55 19.4 8.47	QUANTITY
cjfa-16357	195	8	6.17 -0.7	QUANTITY
cjfa-16357	195	9	500	CARDINAL
cjfa-16357	195	10	250	CARDINAL
cjfa-16357	195	11	500	CARDINAL
cjfa-16357	195	12	250	CARDINAL
cjfa-16357	195	13	20.91	CARDINAL
cjfa-16357	195	14	13.23 7.02	CARDINAL
cjfa-16357	195	15	500	CARDINAL
cjfa-16357	195	16	160	CARDINAL
cjfa-16357	195	17	27075	DATE
cjfa-16357	195	18	13.34	CARDINAL
cjfa-16357	195	19	7.13	CARDINAL
cjfa-16357	195	20	0.53	CARDINAL
cjfa-16357	195	21	o	DATE
cjfa-16357	195	22	morningstar 15.03.2017	ORG
cjfa-16357	196	1	etfs	ORG
cjfa-16357	196	2	one	CARDINAL
cjfa-16357	197	1	0.51%	PERCENT
cjfa-16357	197	2	0.06%	PERCENT
cjfa-16357	197	3	etfs	ORG
cjfa-16357	199	1	one year	DATE
cjfa-16357	199	2	0.40%	PERCENT
cjfa-16357	200	1	10 year	DATE
cjfa-16357	200	2	0.45%	PERCENT
cjfa-16357	202	1	last 5 years	DATE
cjfa-16357	202	2	only 0.01%	PERCENT
cjfa-16357	203	1	0.55%	PERCENT
cjfa-16357	205	1	1	CARDINAL
cjfa-16357	205	2	kamil nowak84	PERSON
cjfa-16357	205	3	2	CARDINAL
cjfa-16357	206	1	etfs	ORG
cjfa-16357	206	2	aum	ORG
cjfa-16357	206	3	(%	PERCENT
cjfa-16357	207	1	500 (%	PERCENT
cjfa-16357	207	2	1	CARDINAL
cjfa-16357	207	3	21.00	CARDINAL
cjfa-16357	207	4	500	CARDINAL
cjfa-16357	207	5	210	CARDINAL
cjfa-16357	207	6	-0.10	CARDINAL
cjfa-16357	207	7	500	CARDINAL
cjfa-16357	207	8	100 0.04 21.00	MONEY
cjfa-16357	207	9	0.06 0.04	CARDINAL
cjfa-16357	207	10	500	CARDINAL
cjfa-16357	207	11	60 0.05 21.44	MONEY
cjfa-16357	207	12	13.93	CARDINAL
cjfa-16357	207	13	0.03 0.04	CARDINAL
cjfa-16357	207	14	123.33 0.06	CARDINAL
cjfa-16357	207	15	100 0.05	CARDINAL
cjfa-16357	207	16	o	DATE
cjfa-16357	207	17	morningstar 15.03.2017	ORG
cjfa-16357	209	1	3	CARDINAL
cjfa-16357	209	2	4	DATE
cjfa-16357	209	3	5	DATE
cjfa-16357	209	4	6	CARDINAL
cjfa-16357	210	1	3	CARDINAL
cjfa-16357	210	2	aum	ORG
cjfa-16357	210	3	(%	PERCENT
cjfa-16357	211	1	1	CARDINAL
cjfa-16357	211	2	10	CARDINAL
cjfa-16357	211	3	fidelity	ORG
cjfa-16357	211	4	1360800	DATE
cjfa-16357	211	5	0.37 0.09 0.04 0.03 0.86 -0.29 -0.13	QUANTITY
cjfa-16357	211	6	0.23	CARDINAL
cjfa-16357	211	7	jpmorgan	ORG
cjfa-16357	211	8	u.s.	GPE
cjfa-16357	211	9	0.17 0.02 0.01 0.01 0.6	QUANTITY
cjfa-16357	211	10	-0.36	ORG
cjfa-16357	211	11	0.18 0.34 0.14 0.09	QUANTITY
cjfa-16357	211	12	0.72 -0.04 -0.03 -0.04 0.09	QUANTITY
cjfa-16357	211	13	0.1	CARDINAL
cjfa-16357	211	14	85	CARDINAL
cjfa-16357	211	15	aum	ORG
cjfa-16357	211	16	(%	PERCENT
cjfa-16357	212	1	1	CARDINAL
cjfa-16357	212	2	wells fargo government money	ORG
cjfa-16357	212	3	62100	DATE
cjfa-16357	212	4	0.13 0.01 0.01 0.01 0.53	QUANTITY
cjfa-16357	212	5	0.19	CARDINAL
cjfa-16357	212	6	-0.10	CARDINAL
cjfa-16357	212	7	0.06	CARDINAL
cjfa-16357	212	8	0.17	CARDINAL
cjfa-16357	212	9	treasury	ORG
cjfa-16357	212	10	3 month	DATE
cjfa-16357	212	11	6387	DATE
cjfa-16357	212	12	1.36	CARDINAL
cjfa-16357	212	13	treasury	ORG
cjfa-16357	212	14	etf	ORG
cjfa-16357	212	15	4620 0.15 0.35 0.15	MONEY
cjfa-16357	212	16	999	CARDINAL
cjfa-16357	212	17	2.06 3.76	CARDINAL
cjfa-16357	212	18	1.68	CARDINAL
cjfa-16357	212	19	3.59 6.03	CARDINAL
cjfa-16357	212	20	370 0.08	CARDINAL
cjfa-16357	212	21	1-3 month	DATE
cjfa-16357	212	22	180 0.14 0.16 -0.04	QUANTITY
cjfa-16357	212	23	0.20 1.08	CARDINAL
cjfa-16357	212	24	2.79 0.77 0.70	QUANTITY
cjfa-16357	212	25	2.66 -0.25 median	QUANTITY
cjfa-16357	213	1	o	DATE
cjfa-16357	213	2	morningstar 15.03.2017	ORG
cjfa-16357	216	1	etfs	ORG
cjfa-16357	216	2	3 months	DATE
cjfa-16357	216	3	etfs	ORG
cjfa-16357	216	4	3 months	DATE
cjfa-16357	218	1	3	CARDINAL
cjfa-16357	218	2	kamil nowak86	PERSON
cjfa-16357	218	3	4	CARDINAL
cjfa-16357	219	1	msci	ORG
cjfa-16357	219	2	aum	ORG
cjfa-16357	219	3	(%	PERCENT
cjfa-16357	220	1	1	CARDINAL
cjfa-16357	220	2	541300	DATE
cjfa-16357	221	1	7.74 4.73	CARDINAL
cjfa-16357	221	2	0.32	CARDINAL
cjfa-16357	221	3	0.21	CARDINAL
cjfa-16357	221	4	fidelity	ORG
cjfa-16357	221	5	40300 0.1	DATE
cjfa-16357	221	6	9.32	CARDINAL
cjfa-16357	221	7	7.38 -0.15 -0.19	QUANTITY
cjfa-16357	221	8	5700	CARDINAL
cjfa-16357	221	9	0.09 17.67	QUANTITY
cjfa-16357	221	10	7.48 -0.15	QUANTITY
cjfa-16357	221	11	wilshire 5000	CARDINAL
cjfa-16357	222	1	184	CARDINAL
cjfa-16357	222	2	0.26	CARDINAL
cjfa-16357	222	3	9.285 13.11 7.34 0.64	QUANTITY
cjfa-16357	222	4	17.82	CARDINAL
cjfa-16357	222	5	13.27	CARDINAL
cjfa-16357	222	6	7.53	CARDINAL
cjfa-16357	222	7	76020	DATE
cjfa-16357	222	8	msci min vol usa etf usmv	ORG
cjfa-16357	222	9	12330 0.15 13.66	DATE
cjfa-16357	222	10	13.73	CARDINAL
cjfa-16357	222	11	3.06 0.46	CARDINAL
cjfa-16357	222	12	u.s.	GPE
cjfa-16357	222	13	0.03	CARDINAL
cjfa-16357	222	14	20.70	MONEY
cjfa-16357	222	15	13.37	CARDINAL
cjfa-16357	222	16	2.88	CARDINAL
cjfa-16357	222	17	0.10	CARDINAL
cjfa-16357	222	18	s&p	ORG
cjfa-16357	222	19	u.s.	GPE
cjfa-16357	223	1	13.25 7.33 -0.23 0.32 -0.02	QUANTITY
cjfa-16357	223	2	russell 3000	PERSON
cjfa-16357	223	3	etf	PERSON
cjfa-16357	223	4	7410	DATE
cjfa-16357	224	1	0.2 17.55	QUANTITY
cjfa-16357	224	2	0.09 17.44	CARDINAL
cjfa-16357	224	3	0.77 0.06	CARDINAL
cjfa-16357	224	4	o	DATE
cjfa-16357	224	5	morningstar 15.03.2017	ORG
cjfa-16357	225	1	etfs	ORG
cjfa-16357	228	1	5	CARDINAL
cjfa-16357	228	2	barclays capital	ORG
cjfa-16357	228	3	u.s.	GPE
cjfa-16357	228	4	aum	ORG
cjfa-16357	228	5	(%	PERCENT
cjfa-16357	229	1	1	CARDINAL
cjfa-16357	229	2	2.26 1.86	CARDINAL
cjfa-16357	229	3	american century	ORG
cjfa-16357	229	4	6500	CARDINAL
cjfa-16357	229	5	0.6 0.88 2.51	QUANTITY
cjfa-16357	229	6	0.18	CARDINAL
cjfa-16357	229	7	loomis sayles	PERSON
cjfa-16357	229	8	6100 0.85 5.32 1.6 3.08	QUANTITY
cjfa-16357	229	9	5.52 4.56 -1.1	QUANTITY
cjfa-16357	229	10	russell	ORG
cjfa-16357	229	11	2.59	CARDINAL
cjfa-16357	229	12	0.56 -0.15 0.26	MONEY
cjfa-16357	229	13	wells fargo core	ORG
cjfa-16357	229	14	4900 0.78 0.73 2.41 2.37	QUANTITY
cjfa-16357	229	15	4.6 -0.03 -0.29 0.04 0.35	QUANTITY
cjfa-16357	229	16	0.66 1.74	CARDINAL
cjfa-16357	229	17	0.09 0.45 median 0.78	QUANTITY
cjfa-16357	229	18	u.s.	GPE
cjfa-16357	229	19	0.76	CARDINAL
cjfa-16357	229	20	2.33 4.25	CARDINAL
cjfa-16357	229	21	u.s.	GPE
cjfa-16357	229	22	0.05 0.21	MONEY
cjfa-16357	229	23	3.93	CARDINAL
cjfa-16357	229	24	-0.36	ORG
cjfa-16357	229	25	schwab	PERSON
cjfa-16357	229	26	u.s.	GPE
cjfa-16357	229	27	etf schz	PERSON
cjfa-16357	229	28	3410	CARDINAL
cjfa-16357	229	29	0.04 0.14 2.11 1.89	QUANTITY
cjfa-16357	229	30	0.05 0.31 2.14	QUANTITY
cjfa-16357	229	31	3.93 -0.45	QUANTITY
cjfa-16357	229	32	0.05	CARDINAL
cjfa-16357	229	33	o	DATE
cjfa-16357	229	34	morningstar 15.03.2017	ORG
cjfa-16357	229	35	u.s.	GPE
cjfa-16357	229	36	etfs	ORG
cjfa-16357	231	1	6	CARDINAL
cjfa-16357	232	1	msci	ORG
cjfa-16357	232	2	aum	ORG
cjfa-16357	232	3	(%	PERCENT
cjfa-16357	233	1	1	CARDINAL
cjfa-16357	233	2	vanguard total intl stock	ORG
cjfa-16357	233	3	251600	CARDINAL
cjfa-16357	233	4	2.06 4.73 1.24 0.26 0.45 0.38	MONEY
cjfa-16357	233	5	1.14 8.36	QUANTITY
cjfa-16357	233	6	3.31 2.09	CARDINAL
cjfa-16357	233	7	0.77	CARDINAL
cjfa-16357	233	8	29500 1	DATE
cjfa-16357	233	9	4.48 3.23	CARDINAL
cjfa-16357	233	10	fidelity international	ORG
cjfa-16357	233	11	16300 0.2	DATE
cjfa-16357	233	12	1.4	CARDINAL
cjfa-16357	233	13	american	NORP
cjfa-16357	233	14	intl gr and inc	ORG
cjfa-16357	233	15	11200 0.91 12.36	CARDINAL
cjfa-16357	233	16	4.85	CARDINAL
cjfa-16357	233	17	0.5	CARDINAL
cjfa-16357	233	18	0.69 14.09	CARDINAL
cjfa-16357	233	19	5.49 2.23	CARDINAL
cjfa-16357	233	20	1.14 0.91 median	QUANTITY
cjfa-16357	233	21	0.91	CARDINAL
cjfa-16357	233	22	msci	ORG
cjfa-16357	233	23	u.s.	GPE
cjfa-16357	233	24	14.46	CARDINAL
cjfa-16357	233	25	4.35 1.32	CARDINAL
cjfa-16357	233	26	msci acwi	PERSON
cjfa-16357	233	27	u.s.	GPE
cjfa-16357	233	28	etf	GPE
cjfa-16357	233	29	2070 0.33	CARDINAL
cjfa-16357	233	30	-0.76	ORG
cjfa-16357	233	31	spdr msci acwi ex	ORG
cjfa-16357	233	32	1210	DATE
cjfa-16357	233	33	0.3 12.77 1.77 4.07 1.83	QUANTITY
cjfa-16357	233	34	0.16	CARDINAL
cjfa-16357	233	35	0.51	CARDINAL
cjfa-16357	233	36	0.56 12.52	CARDINAL
cjfa-16357	233	37	0.51 median 0.32	QUANTITY
cjfa-16357	233	38	o	DATE
cjfa-16357	233	39	morningstar 15.03.2017	ORG
cjfa-16357	234	1	u.s market	GPE
cjfa-16357	235	1	0.13%	PERCENT
cjfa-16357	237	1	etfs	ORG
cjfa-16357	238	1	89	CARDINAL
cjfa-16357	239	1	3	CARDINAL
cjfa-16357	240	1	etfs	ORG
cjfa-16357	251	1	500 bn us dollars	MONEY
cjfa-16357	251	2	2016	DATE
cjfa-16357	251	3	2.2 trillion us dollars	MONEY
cjfa-16357	251	4	2020	DATE
cjfa-16357	252	1	four	CARDINAL
cjfa-16357	260	1	kamil nowak90 ■	PERSON
cjfa-16357	260	2	france	GPE
cjfa-16357	260	3	2016	DATE
cjfa-16357	260	4	29	CARDINAL
cjfa-16357	262	1	1%	PERCENT
cjfa-16357	262	2	aum	ORG
cjfa-16357	262	3	as low as zero	CARDINAL
cjfa-16357	266	1	xia	GPE
cjfa-16357	266	2	2016	DATE
cjfa-16357	268	1	only one	CARDINAL
cjfa-16357	268	2	annual	DATE
cjfa-16357	269	1	7	CARDINAL
cjfa-16357	269	2	10	CARDINAL
cjfa-16357	270	1	2	CARDINAL
cjfa-16357	271	1	sixth	ORDINAL
cjfa-16357	271	2	blackrock	GPE
cjfa-16357	276	1	as low as $0	MONEY
cjfa-16357	279	1	0.1% to 0.5%	PERCENT
cjfa-16357	281	1	daily	DATE
cjfa-16357	281	2	annual	DATE
cjfa-16357	281	3	2%	PERCENT
cjfa-16357	282	1	8	CARDINAL
cjfa-16357	284	1	fa	ORG
cjfa-16357	284	2	below 1%	PERCENT
cjfa-16357	284	3	larger than 1 million usd	MONEY
cjfa-16357	284	4	7	CARDINAL
cjfa-16357	284	5	aum	ORG
cjfa-16357	284	6	47,000	CARDINAL
cjfa-16357	284	7	quarterly	DATE
cjfa-16357	284	8	0,30%	PERCENT
cjfa-16357	284	9	5	MONEY
cjfa-16357	284	10	0,05%	PERCENT
cjfa-16357	284	11	larger than $25m $50,000	MONEY
cjfa-16357	284	12	12,300	CARDINAL
cjfa-16357	284	13	third	ORDINAL
cjfa-16357	284	14	etfs	ORG
cjfa-16357	284	15	daily	DATE
cjfa-16357	284	16	50,000	MONEY
cjfa-16357	284	17	0,1%	PERCENT
cjfa-16357	284	18	100	MONEY
cjfa-16357	284	19	5,000	MONEY
cjfa-16357	284	20	6,700	CARDINAL
cjfa-16357	284	21	ishares etfs	ORG
cjfa-16357	284	22	3%	PERCENT
cjfa-16357	284	23	daily	DATE
cjfa-16357	284	24	0,15-0,35%	PERCENT
cjfa-16357	285	1	4,348	CARDINAL
cjfa-16357	285	2	spdr etfs	ORG
cjfa-16357	285	3	daily	DATE
cjfa-16357	285	4	10,000	MONEY
cjfa-16357	285	5	10,000	MONEY
cjfa-16357	285	6	0,25%	PERCENT
cjfa-16357	285	7	500	MONEY
cjfa-16357	285	8	2,835	CARDINAL
cjfa-16357	285	9	above $100,000	MONEY
cjfa-16357	285	10	0,49-0,89% $25,000	MONEY
cjfa-16357	285	11	969	CARDINAL
cjfa-16357	285	12	spdr etfs	ORG
cjfa-16357	285	13	4	CARDINAL
cjfa-16357	285	14	annually	DATE
cjfa-16357	285	15	0,50%	PERCENT
cjfa-16357	285	16	10,000	MONEY
cjfa-16357	285	17	403	CARDINAL
cjfa-16357	285	18	spdr etfs	ORG
cjfa-16357	285	19	0,50%	PERCENT
cjfa-16357	285	20	100,000	MONEY
cjfa-16357	285	21	257	CARDINAL
cjfa-16357	285	22	ishares etfs	ORG
cjfa-16357	285	23	5%	PERCENT
cjfa-16357	285	24	no $1	MONEY
cjfa-16357	285	25	monthly	DATE
cjfa-16357	285	26	5,000	MONEY
cjfa-16357	285	27	0,25%	PERCENT
cjfa-16357	286	1	0	MONEY
cjfa-16357	286	2	180	CARDINAL
cjfa-16357	286	3	spdr etfs	ORG
cjfa-16357	286	4	daily	DATE
cjfa-16357	286	5	0,30%	PERCENT
cjfa-16357	286	6	10,000	MONEY
cjfa-16357	286	7	schwab etfs	ORG
cjfa-16357	286	8	daily	DATE
cjfa-16357	286	9	10,000	MONEY
cjfa-16357	286	10	10,000	MONEY
cjfa-16357	286	11	0,25%	PERCENT
cjfa-16357	286	12	2,000	MONEY
cjfa-16357	286	13	o	DATE
cjfa-16357	287	1	kamil nowak92	PERSON
cjfa-16357	287	2	8	CARDINAL
cjfa-16357	288	1	50,000	MONEY
cjfa-16357	288	2	1.18%	PERCENT
cjfa-16357	288	3	1.12%	PERCENT
cjfa-16357	288	4	1.09%	PERCENT
cjfa-16357	288	5	1.07%	PERCENT
cjfa-16357	288	6	1.05%	PERCENT
cjfa-16357	289	1	1.02%	PERCENT
cjfa-16357	289	2	0.94%	PERCENT
cjfa-16357	289	3	0.91%	PERCENT
cjfa-16357	289	4	0.84%	PERCENT
cjfa-16357	289	5	0.77%	PERCENT
cjfa-16357	289	6	0.69%	PERCENT
cjfa-16357	289	7	0.65%	PERCENT
cjfa-16357	289	8	0.59%	PERCENT
cjfa-16357	289	9	2017	CARDINAL
cjfa-16357	289	10	15.03.2017	CARDINAL
cjfa-16357	290	1	american	NORP
cjfa-16357	293	1	etfs	ORG
cjfa-16357	294	1	0.45%	PERCENT
cjfa-16357	294	2	annually	DATE
cjfa-16357	295	1	fa	ORG
cjfa-16357	296	1	100,000	MONEY
cjfa-16357	296	2	0.87%	PERCENT
cjfa-16357	297	1	etfs	ORG
cjfa-16357	297	2	1.32%	PERCENT
cjfa-16357	297	3	annually	DATE
cjfa-16357	297	4	1,320	MONEY
cjfa-16357	298	1	93 30 years	DATE
cjfa-16357	299	1	etfs	ORG
cjfa-16357	299	2	more than 20 years	DATE
cjfa-16357	303	1	american	NORP
cjfa-16357	304	1	polish	NORP
cjfa-16357	305	1	poles	NORP
cjfa-16357	306	1	one	CARDINAL
cjfa-16357	306	2	europe	LOC
cjfa-16357	306	3	polish	NORP
cjfa-16357	308	1	gpw	ORG
cjfa-16357	308	2	only 3	CARDINAL
cjfa-16357	308	3	poland	GPE
cjfa-16357	310	1	j., crawford	ORG
cjfa-16357	310	2	a.	PERSON
cjfa-16357	310	3	2015	CARDINAL
cjfa-16357	311	1	boston college	ORG
cjfa-16357	312	1	2017	CARDINAL
cjfa-16357	312	2	15.03.2017	CARDINAL
cjfa-16357	313	1	bernstein	PERSON
cjfa-16357	313	2	j., & phyllis, a. (	ORG
cjfa-16357	313	3	2002	DATE
cjfa-16357	314	1	193	CARDINAL
cjfa-16357	314	2	38–41	CARDINAL
cjfa-16357	315	1	brinson	GPE
cjfa-16357	315	2	g., & siegel	ORG
cjfa-16357	315	3	2015	DATE
cjfa-16357	316	1	70 years	DATE
cjfa-16357	317	1	cfa institute	ORG
cjfa-16357	318	1	dapp	ORG
cjfa-16357	318	2	f.	PERSON
cjfa-16357	318	3	2016	CARDINAL
cjfa-16357	319	1	fintech	ORG
cjfa-16357	319	2	traditionelle banken als digitale	ORG
cjfa-16357	320	1	2001	DATE
cjfa-16357	321	1	14	CARDINAL
cjfa-16357	321	2	110–124	DATE
cjfa-16357	322	1	erickson	PERSON
cjfa-16357	322	2	j., & madland	ORG
cjfa-16357	322	3	d.	NORP
cjfa-16357	322	4	2014	DATE
cjfa-16357	323	1	american	NORP
cjfa-16357	324	1	france	GPE
cjfa-16357	324	2	t.	GPE
cjfa-16357	324	3	2016	CARDINAL
cjfa-16357	325	1	27–31	DATE
cjfa-16357	325	2	gastineau	PERSON
cjfa-16357	325	3	l. gary	PERSON
cjfa-16357	325	4	2001	DATE
cjfa-16357	326	1	27	CARDINAL
cjfa-16357	327	1	hill	ORG
cjfa-16357	327	2	j., nadig	ORG
cjfa-16357	327	3	d., & hougan	ORG
cjfa-16357	327	4	2015	DATE
cjfa-16357	328	1	cfa institute	ORG
cjfa-16357	329	1	kostovetsky	PERSON
cjfa-16357	329	2	l.	GPE
cjfa-16357	329	3	2003	DATE
cjfa-16357	330	1	29	CARDINAL
cjfa-16357	332	1	kamil nowak94 nowak	PERSON
cjfa-16357	332	2	k.	PERSON
cjfa-16357	332	3	2016	DATE
cjfa-16357	333	1	warsaw stock exchange	ORG
cjfa-16357	333	2	copernican journal of finance	ORG
cjfa-16357	333	3	5	CARDINAL
cjfa-16357	333	4	166–179	CARDINAL
cjfa-16357	335	1	m., & shoven	ORG
cjfa-16357	335	2	j. (2002	ORG
cjfa-16357	336	1	american	NORP
cjfa-16357	336	2	92	CARDINAL
cjfa-16357	336	3	422–427	CARDINAL
cjfa-16357	337	1	12.03.2017	TIME
cjfa-16357	338	1	2016	CARDINAL
cjfa-16357	339	1	2016	DATE
cjfa-16357	340	1	xia	PERSON
cjfa-16357	340	2	2016	CARDINAL
cjfa-16357	341	1	55–57	CARDINAL
cjfa-16357	343	1	15.03.2017	CARDINAL
cjfa-16357	344	1	15.03.2017	CARDINAL
cjfa-16357	346	1	15.03.2017	CARDINAL
cjfa-16357	347	1	15.03.2017	CARDINAL