id	sid	tid	token	lemma	pos
cjfa-16357	1	1	copernican	copernican	PROPN
cjfa-16357	1	2	journal	journal	PROPN
cjfa-16357	1	3	of	of	ADP
cjfa-16357	1	4	finance	finance	PROPN
cjfa-16357	1	5	&	&	CCONJ
cjfa-16357	1	6	accounting	accounting	PROPN
cjfa-16357	1	7	e	e	PROPN
cjfa-16357	1	8	-	-	PROPN
cjfa-16357	1	9	issn	issn	PROPN
cjfa-16357	1	10	2300	2300	NUM
cjfa-16357	1	11	-	-	SYM
cjfa-16357	1	12	3065	3065	NUM
cjfa-16357	1	13	p	p	PROPN
cjfa-16357	1	14	-	-	PUNCT
cjfa-16357	1	15	issn	issn	PROPN
cjfa-16357	1	16	2300	2300	NUM
cjfa-16357	1	17	-	-	SYM
cjfa-16357	1	18	12402017	12402017	NUM
cjfa-16357	1	19	,	,	PUNCT
cjfa-16357	1	20	volume	volume	NOUN
cjfa-16357	1	21	6	6	NUM
cjfa-16357	1	22	,	,	PUNCT
cjfa-16357	1	23	issue	issue	NOUN
cjfa-16357	1	24	3	3	NUM
cjfa-16357	1	25	date	date	NOUN
cjfa-16357	1	26	of	of	ADP
cjfa-16357	1	27	submission	submission	NOUN
cjfa-16357	1	28	:	:	PUNCT
cjfa-16357	1	29	june	june	PROPN
cjfa-16357	1	30	4	4	NUM
cjfa-16357	1	31	,	,	PUNCT
cjfa-16357	1	32	2017	2017	NUM
cjfa-16357	1	33	;	;	PUNCT
cjfa-16357	1	34	date	date	NOUN
cjfa-16357	1	35	of	of	ADP
cjfa-16357	1	36	acceptance	acceptance	NOUN
cjfa-16357	1	37	:	:	PUNCT
cjfa-16357	1	38	september	september	PROPN
cjfa-16357	1	39	10	10	NUM
cjfa-16357	1	40	,	,	PUNCT
cjfa-16357	1	41	2017	2017	NUM
cjfa-16357	1	42	.	.	PUNCT
cjfa-16357	2	1	*	*	PUNCT
cjfa-16357	2	2	contact	contact	NOUN
cjfa-16357	2	3	information	information	NOUN
cjfa-16357	2	4	:	:	PUNCT
cjfa-16357	3	1	k.nowak@doktorant.umk.pl	k.nowak@doktorant.umk.pl	PROPN
cjfa-16357	3	2	,	,	PUNCT
cjfa-16357	3	3	nicolaus	nicolaus	PROPN
cjfa-16357	3	4	copernicus	copernicus	PROPN
cjfa-16357	3	5	university	university	PROPN
cjfa-16357	3	6	in	in	ADP
cjfa-16357	3	7	torun	torun	PROPN
cjfa-16357	3	8	,	,	PUNCT
cjfa-16357	3	9	gagarina	gagarina	NOUN
cjfa-16357	3	10	13a	13a	NOUN
cjfa-16357	3	11	,	,	PUNCT
cjfa-16357	3	12	87	87	NUM
cjfa-16357	3	13	-	-	SYM
cjfa-16357	3	14	100	100	NUM
cjfa-16357	3	15	torun	torun	ADJ
cjfa-16357	3	16	,	,	PUNCT
cjfa-16357	3	17	poland	poland	PROPN
cjfa-16357	3	18	,	,	PUNCT
cjfa-16357	3	19	phone	phone	NOUN
cjfa-16357	3	20	:	:	PUNCT
cjfa-16357	3	21	+48	+48	NUM
cjfa-16357	3	22	607	607	NUM
cjfa-16357	3	23	552	552	NUM
cjfa-16357	3	24	226	226	NUM
cjfa-16357	3	25	;	;	PUNCT
cjfa-16357	3	26	orcid	orcid	PROPN
cjfa-16357	4	1	i	i	NOUN
cjfa-16357	4	2	d	d	NOUN
cjfa-16357	4	3	:	:	PUNCT
cjfa-16357	4	4	https://orcid.org/0000-0002-8567-122x	https://orcid.org/0000-0002-8567-122x	PROPN
cjfa-16357	4	5	.	.	PUNCT
cjfa-16357	5	1	nowak	nowak	PROPN
cjfa-16357	5	2	,	,	PUNCT
cjfa-16357	5	3	k.	k.	PROPN
cjfa-16357	5	4	(	(	PUNCT
cjfa-16357	5	5	2017	2017	NUM
cjfa-16357	5	6	)	)	PUNCT
cjfa-16357	5	7	.	.	PUNCT
cjfa-16357	6	1	low	low	ADJ
cjfa-16357	6	2	cost	cost	PROPN
cjfa-16357	6	3	retirement	retirement	NOUN
cjfa-16357	6	4	solutions	solution	NOUN
cjfa-16357	6	5	based	base	VERB
cjfa-16357	6	6	on	on	ADP
cjfa-16357	6	7	robo	robo	NOUN
cjfa-16357	6	8	-	-	PUNCT
cjfa-16357	6	9	advisors	advisor	NOUN
cjfa-16357	6	10	and	and	CCONJ
cjfa-16357	6	11	exchange	exchange	NOUN
cjfa-16357	6	12	traded	trade	VERB
cjfa-16357	6	13	funds	fund	NOUN
cjfa-16357	6	14	.	.	PUNCT
cjfa-16357	7	1	copernican	copernican	PROPN
cjfa-16357	7	2	journal	journal	PROPN
cjfa-16357	7	3	of	of	ADP
cjfa-16357	7	4	finance	finance	PROPN
cjfa-16357	7	5	&	&	CCONJ
cjfa-16357	7	6	accounting	accounting	PROPN
cjfa-16357	7	7	,	,	PUNCT
cjfa-16357	7	8	6(3	6(3	NUM
cjfa-16357	7	9	)	)	PUNCT
cjfa-16357	7	10	,	,	PUNCT
cjfa-16357	7	11	75–94	75–94	X
cjfa-16357	7	12	.	.	PUNCT
cjfa-16357	8	1	http://dx.doi.org/10.12775/	http://dx.doi.org/10.12775/	PROPN
cjfa-16357	8	2	cjfa.2017.018	cjfa.2017.018	VERB
cjfa-16357	8	3	kamil	kamil	PROPN
cjfa-16357	8	4	nowak	nowak	PROPN
cjfa-16357	8	5	*	*	PROPN
cjfa-16357	8	6	nicolaus	nicolaus	PROPN
cjfa-16357	8	7	copernicus	copernicus	PROPN
cjfa-16357	8	8	university	university	PROPN
cjfa-16357	8	9	in	in	ADP
cjfa-16357	8	10	torun	torun	ADJ
cjfa-16357	8	11	low	low	ADJ
cjfa-16357	8	12	cost	cost	NOUN
cjfa-16357	8	13	retirement	retirement	NOUN
cjfa-16357	8	14	solutions	solution	NOUN
cjfa-16357	8	15	based	base	VERB
cjfa-16357	8	16	on	on	ADP
cjfa-16357	8	17	robo	robo	NOUN
cjfa-16357	8	18	-	-	PUNCT
cjfa-16357	8	19	advisors	advisor	NOUN
cjfa-16357	8	20	and	and	CCONJ
cjfa-16357	8	21	exchange	exchange	NOUN
cjfa-16357	8	22	traded	trade	VERB
cjfa-16357	8	23	funds	fund	NOUN
cjfa-16357	8	24	keywords	keyword	NOUN
cjfa-16357	8	25	:	:	PUNCT
cjfa-16357	8	26	robo	robo	NOUN
cjfa-16357	8	27	advisors	advisor	NOUN
cjfa-16357	8	28	,	,	PUNCT
cjfa-16357	8	29	etf	etf	NOUN
cjfa-16357	8	30	,	,	PUNCT
cjfa-16357	8	31	retirement	retirement	NOUN
cjfa-16357	8	32	.	.	PUNCT
cjfa-16357	9	1	j	j	PROPN
cjfa-16357	9	2	e	e	PROPN
cjfa-16357	9	3	l	l	PROPN
cjfa-16357	9	4	classification	classification	NOUN
cjfa-16357	9	5	:	:	PUNCT
cjfa-16357	9	6	g11	g11	NOUN
cjfa-16357	9	7	.	.	PUNCT
cjfa-16357	10	1	abstract	abstract	NOUN
cjfa-16357	10	2	:	:	PUNCT
cjfa-16357	10	3	this	this	DET
cjfa-16357	10	4	paper	paper	NOUN
cjfa-16357	10	5	briefly	briefly	NOUN
cjfa-16357	10	6	analyzes	analyze	VERB
cjfa-16357	10	7	american	american	ADJ
cjfa-16357	10	8	retirement	retirement	NOUN
cjfa-16357	10	9	system	system	NOUN
cjfa-16357	10	10	and	and	CCONJ
cjfa-16357	10	11	bares	bare	VERB
cjfa-16357	10	12	its	its	PRON
cjfa-16357	10	13	shortcomings	shortcoming	NOUN
cjfa-16357	10	14	.	.	PUNCT
cjfa-16357	11	1	the	the	DET
cjfa-16357	11	2	post	post	NOUN
cjfa-16357	11	3	crisis	crisis	NOUN
cjfa-16357	11	4	economic	economic	ADJ
cjfa-16357	11	5	reality	reality	NOUN
cjfa-16357	11	6	,	,	PUNCT
cjfa-16357	11	7	low	low	ADJ
cjfa-16357	11	8	savings	saving	NOUN
cjfa-16357	11	9	rates	rate	NOUN
cjfa-16357	11	10	and	and	CCONJ
cjfa-16357	11	11	misguided	misguided	ADJ
cjfa-16357	11	12	policy	policy	NOUN
cjfa-16357	11	13	changes	change	NOUN
cjfa-16357	11	14	,	,	PUNCT
cjfa-16357	11	15	requires	require	VERB
cjfa-16357	11	16	searches	search	NOUN
cjfa-16357	11	17	for	for	ADP
cjfa-16357	11	18	new	new	ADJ
cjfa-16357	11	19	retirement	retirement	NOUN
cjfa-16357	11	20	solutions	solution	NOUN
cjfa-16357	11	21	.	.	PUNCT
cjfa-16357	12	1	especially	especially	ADV
cjfa-16357	12	2	it	it	PRON
cjfa-16357	12	3	’s	’	VERB
cjfa-16357	12	4	worth	worth	ADJ
cjfa-16357	12	5	to	to	PART
cjfa-16357	12	6	have	have	VERB
cjfa-16357	12	7	a	a	DET
cjfa-16357	12	8	second	second	ADJ
cjfa-16357	12	9	look	look	NOUN
cjfa-16357	12	10	at	at	ADP
cjfa-16357	12	11	costs	cost	NOUN
cjfa-16357	12	12	of	of	ADP
cjfa-16357	12	13	traditional	traditional	ADJ
cjfa-16357	12	14	retirement	retirement	NOUN
cjfa-16357	12	15	products	product	NOUN
cjfa-16357	12	16	.	.	PUNCT
cjfa-16357	13	1	analysis	analysis	NOUN
cjfa-16357	13	2	of	of	ADP
cjfa-16357	13	3	mutual	mutual	ADJ
cjfa-16357	13	4	funds	fund	NOUN
cjfa-16357	13	5	expense	expense	NOUN
cjfa-16357	13	6	ratios	ratio	NOUN
cjfa-16357	13	7	and	and	CCONJ
cjfa-16357	13	8	financial	financial	ADJ
cjfa-16357	13	9	advisors	advisor	NOUN
cjfa-16357	13	10	fees	fee	NOUN
cjfa-16357	13	11	proofs	proof	VERB
cjfa-16357	13	12	their	their	PRON
cjfa-16357	13	13	significant	significant	ADJ
cjfa-16357	13	14	impact	impact	NOUN
cjfa-16357	13	15	on	on	ADP
cjfa-16357	13	16	future	future	ADJ
cjfa-16357	13	17	retirement	retirement	NOUN
cjfa-16357	13	18	.	.	PUNCT
cjfa-16357	14	1	new	new	ADJ
cjfa-16357	14	2	products	product	NOUN
cjfa-16357	14	3	based	base	VERB
cjfa-16357	14	4	on	on	ADP
cjfa-16357	14	5	etfs	etfs	PROPN
cjfa-16357	14	6	and	and	CCONJ
cjfa-16357	14	7	managed	manage	VERB
cjfa-16357	14	8	by	by	ADP
cjfa-16357	14	9	robo	robo	NOUN
cjfa-16357	14	10	advisors	advisor	NOUN
cjfa-16357	14	11	are	be	AUX
cjfa-16357	14	12	the	the	DET
cjfa-16357	14	13	low	low	ADJ
cjfa-16357	14	14	cost	cost	NOUN
cjfa-16357	14	15	alternative	alternative	NOUN
cjfa-16357	14	16	.	.	PUNCT
cjfa-16357	15	1	the	the	DET
cjfa-16357	15	2	substance	substance	NOUN
cjfa-16357	15	3	of	of	ADP
cjfa-16357	15	4	this	this	DET
cjfa-16357	15	5	paper	paper	NOUN
cjfa-16357	15	6	is	be	AUX
cjfa-16357	15	7	cost	cost	VERB
cjfa-16357	15	8	comparison	comparison	NOUN
cjfa-16357	15	9	of	of	ADP
cjfa-16357	15	10	traditional	traditional	ADJ
cjfa-16357	15	11	retirement	retirement	NOUN
cjfa-16357	15	12	products	product	NOUN
cjfa-16357	15	13	with	with	ADP
cjfa-16357	15	14	innovative	innovative	ADJ
cjfa-16357	15	15	fintech	fintech	NOUN
cjfa-16357	15	16	solutions	solution	NOUN
cjfa-16357	15	17	.	.	PUNCT
cjfa-16357	16	1	in	in	ADP
cjfa-16357	16	2	a	a	DET
cjfa-16357	16	3	result	result	NOUN
cjfa-16357	16	4	of	of	ADP
cjfa-16357	16	5	this	this	DET
cjfa-16357	16	6	analysis	analysis	NOUN
cjfa-16357	16	7	robo	robo	NOUN
cjfa-16357	16	8	advisors	advisor	NOUN
cjfa-16357	16	9	and	and	CCONJ
cjfa-16357	16	10	etfs	etfs	PROPN
cjfa-16357	16	11	turned	turn	VERB
cjfa-16357	16	12	out	out	ADP
cjfa-16357	16	13	to	to	PART
cjfa-16357	16	14	be	be	AUX
cjfa-16357	16	15	definitely	definitely	ADV
cjfa-16357	16	16	more	more	ADJ
cjfa-16357	16	17	cost	cost	NOUN
cjfa-16357	16	18	effective	effective	ADJ
cjfa-16357	16	19	,	,	PUNCT
cjfa-16357	16	20	what	what	PRON
cjfa-16357	16	21	makes	make	VERB
cjfa-16357	16	22	investing	invest	VERB
cjfa-16357	16	23	more	more	ADV
cjfa-16357	16	24	accessible	accessible	ADJ
cjfa-16357	16	25	and	and	CCONJ
cjfa-16357	16	26	substantially	substantially	ADV
cjfa-16357	16	27	increases	increase	VERB
cjfa-16357	16	28	future	future	ADJ
cjfa-16357	16	29	retirement	retirement	NOUN
cjfa-16357	16	30	.	.	PUNCT
cjfa-16357	16	31	 	 	SPACE
cjfa-16357	17	1	introduction	introduction	NOUN
cjfa-16357	17	2	it	it	PRON
cjfa-16357	17	3	would	would	AUX
cjfa-16357	17	4	seem	seem	VERB
cjfa-16357	17	5	that	that	SCONJ
cjfa-16357	17	6	nowadays	nowadays	ADV
cjfa-16357	17	7	we	we	PRON
cjfa-16357	17	8	have	have	VERB
cjfa-16357	17	9	a	a	DET
cjfa-16357	17	10	knowledge	knowledge	NOUN
cjfa-16357	17	11	and	and	CCONJ
cjfa-16357	17	12	technology	technology	NOUN
cjfa-16357	17	13	to	to	PART
cjfa-16357	17	14	provide	provide	VERB
cjfa-16357	17	15	stable	stable	ADJ
cjfa-16357	17	16	and	and	CCONJ
cjfa-16357	17	17	long	long	ADJ
cjfa-16357	17	18	retirement	retirement	NOUN
cjfa-16357	17	19	income	income	NOUN
cjfa-16357	17	20	.	.	PUNCT
cjfa-16357	18	1	utilizing	utilize	VERB
cjfa-16357	18	2	years	year	NOUN
cjfa-16357	18	3	of	of	ADP
cjfa-16357	18	4	researches	research	NOUN
cjfa-16357	18	5	combined	combine	VERB
cjfa-16357	18	6	with	with	ADP
cjfa-16357	18	7	innovative	innovative	ADJ
cjfa-16357	18	8	financial	financial	ADJ
cjfa-16357	18	9	instruments	instrument	NOUN
cjfa-16357	18	10	it	it	PRON
cjfa-16357	18	11	should	should	AUX
cjfa-16357	18	12	be	be	AUX
cjfa-16357	18	13	simple	simple	ADJ
cjfa-16357	18	14	to	to	PART
cjfa-16357	18	15	design	design	VERB
cjfa-16357	18	16	effective	effective	ADJ
cjfa-16357	18	17	retirekamil	retirekamil	NOUN
cjfa-16357	18	18	nowak76	nowak76	PROPN
cjfa-16357	18	19	ment	ment	NOUN
cjfa-16357	18	20	system	system	PROPN
cjfa-16357	18	21	.	.	PUNCT
cjfa-16357	19	1	despite	despite	SCONJ
cjfa-16357	19	2	those	those	DET
cjfa-16357	19	3	assumptions	assumption	NOUN
cjfa-16357	19	4	looking	look	VERB
cjfa-16357	19	5	at	at	ADP
cjfa-16357	19	6	many	many	ADJ
cjfa-16357	19	7	countries	country	NOUN
cjfa-16357	19	8	retirement	retirement	NOUN
cjfa-16357	19	9	systems	system	NOUN
cjfa-16357	19	10	,	,	PUNCT
cjfa-16357	19	11	it	it	PRON
cjfa-16357	19	12	’s	’s	AUX
cjfa-16357	19	13	still	still	ADV
cjfa-16357	19	14	challenging	challenge	VERB
cjfa-16357	19	15	.	.	PUNCT
cjfa-16357	20	1	analyzing	analyze	VERB
cjfa-16357	20	2	american	american	PROPN
cjfa-16357	20	3	retirement	retirement	NOUN
cjfa-16357	20	4	system	system	NOUN
cjfa-16357	20	5	is	be	AUX
cjfa-16357	20	6	not	not	PART
cjfa-16357	20	7	hard	hard	ADJ
cjfa-16357	20	8	to	to	PART
cjfa-16357	20	9	come	come	VERB
cjfa-16357	20	10	to	to	ADP
cjfa-16357	20	11	a	a	DET
cjfa-16357	20	12	conclusion	conclusion	NOUN
cjfa-16357	20	13	,	,	PUNCT
cjfa-16357	20	14	that	that	DET
cjfa-16357	20	15	crisis	crisis	NOUN
cjfa-16357	20	16	is	be	AUX
cjfa-16357	20	17	the	the	DET
cjfa-16357	20	18	best	good	ADJ
cjfa-16357	20	19	word	word	NOUN
cjfa-16357	20	20	describing	describe	VERB
cjfa-16357	20	21	it	it	PRON
cjfa-16357	20	22	.	.	PUNCT
cjfa-16357	21	1	of	of	ADP
cjfa-16357	21	2	course	course	ADV
cjfa-16357	21	3	,	,	PUNCT
cjfa-16357	21	4	most	most	ADJ
cjfa-16357	21	5	of	of	ADP
cjfa-16357	21	6	the	the	DET
cjfa-16357	21	7	root	root	NOUN
cjfa-16357	21	8	causes	cause	NOUN
cjfa-16357	21	9	of	of	ADP
cjfa-16357	21	10	the	the	DET
cjfa-16357	21	11	problem	problem	NOUN
cjfa-16357	21	12	lies	lie	VERB
cjfa-16357	21	13	in	in	ADP
cjfa-16357	21	14	human	human	ADJ
cjfa-16357	21	15	nature	nature	NOUN
cjfa-16357	21	16	.	.	PUNCT
cjfa-16357	22	1	low	low	ADJ
cjfa-16357	22	2	saving	saving	NOUN
cjfa-16357	22	3	rates	rate	NOUN
cjfa-16357	22	4	makes	make	VERB
cjfa-16357	22	5	people	people	NOUN
cjfa-16357	22	6	more	more	ADV
cjfa-16357	22	7	tend	tend	VERB
cjfa-16357	22	8	to	to	PART
cjfa-16357	22	9	spend	spend	VERB
cjfa-16357	22	10	their	their	PRON
cjfa-16357	22	11	earnings	earning	NOUN
cjfa-16357	22	12	now	now	ADV
cjfa-16357	22	13	than	than	SCONJ
cjfa-16357	22	14	save	save	VERB
cjfa-16357	22	15	for	for	ADP
cjfa-16357	22	16	the	the	DET
cjfa-16357	22	17	future	future	NOUN
cjfa-16357	22	18	.	.	PUNCT
cjfa-16357	23	1	average	average	ADJ
cjfa-16357	23	2	employees	employee	NOUN
cjfa-16357	23	3	lack	lack	VERB
cjfa-16357	23	4	in	in	ADP
cjfa-16357	23	5	financial	financial	ADJ
cjfa-16357	23	6	knowledge	knowledge	NOUN
cjfa-16357	23	7	,	,	PUNCT
cjfa-16357	23	8	so	so	ADV
cjfa-16357	23	9	shift	shift	VERB
cjfa-16357	23	10	from	from	ADP
cjfa-16357	23	11	employer	employer	NOUN
cjfa-16357	23	12	driven	drive	VERB
cjfa-16357	23	13	plans	plan	NOUN
cjfa-16357	23	14	to	to	PART
cjfa-16357	23	15	employee	employee	NOUN
cjfa-16357	23	16	’s	’s	PART
cjfa-16357	23	17	responsibility	responsibility	NOUN
cjfa-16357	23	18	might	might	AUX
cjfa-16357	23	19	be	be	AUX
cjfa-16357	23	20	confusing	confusing	ADJ
cjfa-16357	23	21	.	.	PUNCT
cjfa-16357	24	1	they	they	PRON
cjfa-16357	24	2	do	do	AUX
cjfa-16357	24	3	n’t	not	PART
cjfa-16357	24	4	know	know	VERB
cjfa-16357	24	5	how	how	SCONJ
cjfa-16357	24	6	much	much	ADJ
cjfa-16357	24	7	to	to	PART
cjfa-16357	24	8	save	save	VERB
cjfa-16357	24	9	and	and	CCONJ
cjfa-16357	24	10	how	how	SCONJ
cjfa-16357	24	11	to	to	PART
cjfa-16357	24	12	invest	invest	VERB
cjfa-16357	24	13	.	.	PUNCT
cjfa-16357	25	1	what	what	PRON
cjfa-16357	25	2	is	be	AUX
cjfa-16357	25	3	more	more	ADJ
cjfa-16357	25	4	,	,	PUNCT
cjfa-16357	25	5	progress	progress	NOUN
cjfa-16357	25	6	of	of	ADP
cjfa-16357	25	7	medicine	medicine	NOUN
cjfa-16357	25	8	allows	allow	VERB
cjfa-16357	25	9	people	people	NOUN
cjfa-16357	25	10	to	to	PART
cjfa-16357	25	11	live	live	VERB
cjfa-16357	25	12	longer	long	ADV
cjfa-16357	25	13	.	.	PUNCT
cjfa-16357	26	1	longevity	longevity	NOUN
cjfa-16357	26	2	of	of	ADP
cjfa-16357	26	3	life	life	NOUN
cjfa-16357	26	4	not	not	PART
cjfa-16357	26	5	connected	connect	VERB
cjfa-16357	26	6	with	with	ADP
cjfa-16357	26	7	longer	long	ADJ
cjfa-16357	26	8	working	work	VERB
cjfa-16357	26	9	period	period	NOUN
cjfa-16357	26	10	contributes	contribute	VERB
cjfa-16357	26	11	to	to	ADP
cjfa-16357	26	12	crisis	crisis	NOUN
cjfa-16357	26	13	as	as	ADV
cjfa-16357	26	14	well	well	ADV
cjfa-16357	26	15	.	.	PUNCT
cjfa-16357	27	1	on	on	ADP
cjfa-16357	27	2	the	the	DET
cjfa-16357	27	3	other	other	ADJ
cjfa-16357	27	4	hand	hand	NOUN
cjfa-16357	27	5	,	,	PUNCT
cjfa-16357	27	6	majority	majority	NOUN
cjfa-16357	27	7	of	of	ADP
cjfa-16357	27	8	crisis	crisis	NOUN
cjfa-16357	27	9	causes	cause	VERB
cjfa-16357	27	10	lie	lie	VERB
cjfa-16357	27	11	in	in	ADP
cjfa-16357	27	12	macroeconomic	macroeconomic	ADJ
cjfa-16357	27	13	circumstances	circumstance	NOUN
cjfa-16357	27	14	and	and	CCONJ
cjfa-16357	27	15	policy	policy	NOUN
cjfa-16357	27	16	errors	error	NOUN
cjfa-16357	27	17	.	.	PUNCT
cjfa-16357	28	1	poor	poor	ADJ
cjfa-16357	28	2	market	market	NOUN
cjfa-16357	28	3	returns	return	NOUN
cjfa-16357	28	4	in	in	ADP
cjfa-16357	28	5	conjunction	conjunction	NOUN
cjfa-16357	28	6	with	with	ADP
cjfa-16357	28	7	high	high	ADJ
cjfa-16357	28	8	management	management	NOUN
cjfa-16357	28	9	fees	fee	NOUN
cjfa-16357	28	10	obviously	obviously	ADV
cjfa-16357	28	11	do	do	AUX
cjfa-16357	28	12	n’t	not	PART
cjfa-16357	28	13	encourage	encourage	VERB
cjfa-16357	28	14	to	to	ADP
cjfa-16357	28	15	investing	invest	VERB
cjfa-16357	28	16	.	.	PUNCT
cjfa-16357	29	1	what	what	PRON
cjfa-16357	29	2	is	be	AUX
cjfa-16357	29	3	more	more	ADJ
cjfa-16357	29	4	,	,	PUNCT
cjfa-16357	29	5	us	us	PROPN
cjfa-16357	29	6	tax	tax	NOUN
cjfa-16357	29	7	regulations	regulation	NOUN
cjfa-16357	29	8	favors	favor	VERB
cjfa-16357	29	9	direct	direct	ADJ
cjfa-16357	29	10	benefit	benefit	NOUN
cjfa-16357	29	11	plans	plan	NOUN
cjfa-16357	29	12	which	which	PRON
cjfa-16357	29	13	allows	allow	VERB
cjfa-16357	29	14	large	large	ADJ
cjfa-16357	29	15	percentage	percentage	NOUN
cjfa-16357	29	16	of	of	ADP
cjfa-16357	29	17	income	income	NOUN
cjfa-16357	29	18	to	to	PART
cjfa-16357	29	19	be	be	AUX
cjfa-16357	29	20	deferred	defer	VERB
cjfa-16357	29	21	.	.	PUNCT
cjfa-16357	30	1	when	when	SCONJ
cjfa-16357	30	2	direct	direct	ADJ
cjfa-16357	30	3	contribution	contribution	NOUN
cjfa-16357	30	4	plans	plan	NOUN
cjfa-16357	30	5	has	have	VERB
cjfa-16357	30	6	tax	tax	NOUN
cjfa-16357	30	7	deferral	deferral	ADJ
cjfa-16357	30	8	limits	limit	NOUN
cjfa-16357	30	9	sets	set	NOUN
cjfa-16357	30	10	so	so	ADV
cjfa-16357	30	11	low	low	ADJ
cjfa-16357	30	12	,	,	PUNCT
cjfa-16357	30	13	that	that	SCONJ
cjfa-16357	30	14	retiring	retire	VERB
cjfa-16357	30	15	on	on	ADP
cjfa-16357	30	16	tax	tax	NOUN
cjfa-16357	30	17	deferred	defer	VERB
cjfa-16357	30	18	balances	balance	NOUN
cjfa-16357	30	19	is	be	AUX
cjfa-16357	30	20	not	not	PART
cjfa-16357	30	21	an	an	DET
cjfa-16357	30	22	option	option	NOUN
cjfa-16357	30	23	(	(	PUNCT
cjfa-16357	30	24	brinson	brinson	PROPN
cjfa-16357	30	25	&	&	CCONJ
cjfa-16357	30	26	siegel	siegel	PROPN
cjfa-16357	30	27	,	,	PUNCT
cjfa-16357	30	28	2015	2015	NUM
cjfa-16357	30	29	,	,	PUNCT
cjfa-16357	30	30	p.	p.	NOUN
cjfa-16357	30	31	6	6	NUM
cjfa-16357	30	32	)	)	PUNCT
cjfa-16357	30	33	.	.	PUNCT
cjfa-16357	31	1	shift	shift	VERB
cjfa-16357	31	2	from	from	ADP
cjfa-16357	31	3	db	db	PROPN
cjfa-16357	31	4	to	to	ADP
cjfa-16357	31	5	dc	dc	PROPN
cjfa-16357	31	6	plans	plan	NOUN
cjfa-16357	31	7	besides	besides	SCONJ
cjfa-16357	31	8	transferring	transfer	VERB
cjfa-16357	31	9	investment	investment	NOUN
cjfa-16357	31	10	risk	risk	NOUN
cjfa-16357	31	11	from	from	ADP
cjfa-16357	31	12	employer	employer	NOUN
cjfa-16357	31	13	to	to	ADP
cjfa-16357	31	14	employee	employee	NOUN
cjfa-16357	31	15	,	,	PUNCT
cjfa-16357	31	16	brought	bring	VERB
cjfa-16357	31	17	higher	high	ADJ
cjfa-16357	31	18	fees	fee	NOUN
cjfa-16357	31	19	as	as	ADV
cjfa-16357	31	20	well	well	ADV
cjfa-16357	31	21	,	,	PUNCT
cjfa-16357	31	22	because	because	SCONJ
cjfa-16357	31	23	dc	dc	PROPN
cjfa-16357	31	24	plans	plan	NOUN
cjfa-16357	31	25	,	,	PUNCT
cjfa-16357	31	26	unlike	unlike	ADP
cjfa-16357	31	27	db	db	PROPN
cjfa-16357	31	28	,	,	PUNCT
cjfa-16357	31	29	invest	invest	VERB
cjfa-16357	31	30	in	in	ADP
cjfa-16357	31	31	mutual	mutual	ADJ
cjfa-16357	31	32	funds	fund	NOUN
cjfa-16357	31	33	,	,	PUNCT
cjfa-16357	31	34	where	where	SCONJ
cjfa-16357	31	35	fees	fee	NOUN
cjfa-16357	31	36	are	be	AUX
cjfa-16357	31	37	higher	high	ADJ
cjfa-16357	31	38	.	.	PUNCT
cjfa-16357	32	1	which	which	DET
cjfa-16357	32	2	type	type	NOUN
cjfa-16357	32	3	of	of	ADP
cjfa-16357	32	4	plan	plan	NOUN
cjfa-16357	32	5	is	be	AUX
cjfa-16357	32	6	the	the	DET
cjfa-16357	32	7	most	most	ADV
cjfa-16357	32	8	common	common	ADJ
cjfa-16357	32	9	nowadays	nowaday	NOUN
cjfa-16357	32	10	?	?	PUNCT
cjfa-16357	33	1	figure	figure	NOUN
cjfa-16357	33	2	1	1	NUM
cjfa-16357	33	3	shows	show	VERB
cjfa-16357	33	4	that	that	SCONJ
cjfa-16357	33	5	it	it	PRON
cjfa-16357	33	6	will	will	AUX
cjfa-16357	33	7	be	be	AUX
cjfa-16357	33	8	iras	ira	NOUN
cjfa-16357	33	9	,	,	PUNCT
cjfa-16357	33	10	despite	despite	SCONJ
cjfa-16357	33	11	of	of	ADP
cjfa-16357	33	12	the	the	DET
cjfa-16357	33	13	fact	fact	NOUN
cjfa-16357	33	14	that	that	SCONJ
cjfa-16357	33	15	those	those	DET
cjfa-16357	33	16	plans	plan	NOUN
cjfa-16357	33	17	are	be	AUX
cjfa-16357	33	18	not	not	PART
cjfa-16357	33	19	sponsored	sponsor	VERB
cjfa-16357	33	20	by	by	ADP
cjfa-16357	33	21	employer	employer	NOUN
cjfa-16357	33	22	.	.	PUNCT
cjfa-16357	34	1	most	most	ADJ
cjfa-16357	34	2	of	of	ADP
cjfa-16357	34	3	the	the	DET
cjfa-16357	34	4	iras	ira	NOUN
cjfa-16357	34	5	assets	asset	NOUN
cjfa-16357	34	6	have	have	AUX
cjfa-16357	34	7	been	be	AUX
cjfa-16357	34	8	rolled	roll	VERB
cjfa-16357	34	9	out	out	ADP
cjfa-16357	34	10	from	from	ADP
cjfa-16357	34	11	employer	employer	NOUN
cjfa-16357	34	12	sponsored	sponsor	VERB
cjfa-16357	34	13	plans	plan	NOUN
cjfa-16357	34	14	.	.	PUNCT
cjfa-16357	35	1	in	in	ADP
cjfa-16357	35	2	2016	2016	NUM
cjfa-16357	35	3	iras	ira	NOUN
cjfa-16357	35	4	contribution	contribution	NOUN
cjfa-16357	35	5	hit	hit	VERB
cjfa-16357	35	6	31	31	NUM
cjfa-16357	35	7	%	%	NOUN
cjfa-16357	35	8	of	of	ADP
cjfa-16357	35	9	all	all	DET
cjfa-16357	35	10	the	the	DET
cjfa-16357	35	11	retirement	retirement	NOUN
cjfa-16357	35	12	assets	asset	NOUN
cjfa-16357	35	13	.	.	PUNCT
cjfa-16357	36	1	based	base	VERB
cjfa-16357	36	2	on	on	ADP
cjfa-16357	36	3	that	that	DET
cjfa-16357	36	4	fact	fact	NOUN
cjfa-16357	36	5	it	it	PRON
cjfa-16357	36	6	can	can	AUX
cjfa-16357	36	7	be	be	AUX
cjfa-16357	36	8	said	say	VERB
cjfa-16357	36	9	,	,	PUNCT
cjfa-16357	36	10	that	that	SCONJ
cjfa-16357	36	11	the	the	DET
cjfa-16357	36	12	return	return	NOUN
cjfa-16357	36	13	from	from	ADP
cjfa-16357	36	14	iras	ira	NOUN
cjfa-16357	36	15	have	have	VERB
cjfa-16357	36	16	a	a	DET
cjfa-16357	36	17	substantial	substantial	ADJ
cjfa-16357	36	18	impact	impact	NOUN
cjfa-16357	36	19	on	on	ADP
cjfa-16357	36	20	their	their	PRON
cjfa-16357	36	21	holders	holder	NOUN
cjfa-16357	36	22	retirement	retirement	NOUN
cjfa-16357	36	23	.	.	PUNCT
cjfa-16357	37	1	figure	figure	NOUN
cjfa-16357	37	2	1	1	NUM
cjfa-16357	37	3	.	.	PUNCT
cjfa-16357	38	1	us	us	PROPN
cjfa-16357	38	2	retirement	retirement	NOUN
cjfa-16357	38	3	assets	asset	NOUN
cjfa-16357	38	4	2q	2q	NOUN
cjfa-16357	38	5	2016	2016	NUM
cjfa-16357	38	6	saving	saving	NOUN
cjfa-16357	38	7	rates	rate	NOUN
cjfa-16357	38	8	makes	make	VERB
cjfa-16357	38	9	people	people	NOUN
cjfa-16357	38	10	more	more	ADV
cjfa-16357	38	11	tend	tend	VERB
cjfa-16357	38	12	to	to	PART
cjfa-16357	38	13	spend	spend	VERB
cjfa-16357	38	14	their	their	PRON
cjfa-16357	38	15	earnings	earning	NOUN
cjfa-16357	38	16	now	now	ADV
cjfa-16357	38	17	than	than	SCONJ
cjfa-16357	38	18	save	save	VERB
cjfa-16357	38	19	for	for	ADP
cjfa-16357	38	20	the	the	DET
cjfa-16357	38	21	future	future	NOUN
cjfa-16357	38	22	.	.	PUNCT
cjfa-16357	39	1	average	average	ADJ
cjfa-16357	39	2	employees	employee	NOUN
cjfa-16357	39	3	lack	lack	VERB
cjfa-16357	39	4	in	in	ADP
cjfa-16357	39	5	financial	financial	ADJ
cjfa-16357	39	6	knowledge	knowledge	NOUN
cjfa-16357	39	7	,	,	PUNCT
cjfa-16357	39	8	so	so	ADV
cjfa-16357	39	9	shift	shift	VERB
cjfa-16357	39	10	from	from	ADP
cjfa-16357	39	11	employer	employer	NOUN
cjfa-16357	39	12	driven	drive	VERB
cjfa-16357	39	13	plans	plan	NOUN
cjfa-16357	39	14	to	to	PART
cjfa-16357	39	15	employee	employee	NOUN
cjfa-16357	39	16	’s	’s	PART
cjfa-16357	39	17	responsibility	responsibility	NOUN
cjfa-16357	39	18	might	might	AUX
cjfa-16357	39	19	be	be	AUX
cjfa-16357	39	20	confusing	confusing	ADJ
cjfa-16357	39	21	.	.	PUNCT
cjfa-16357	40	1	they	they	PRON
cjfa-16357	40	2	do	do	AUX
cjfa-16357	40	3	n’t	not	PART
cjfa-16357	40	4	know	know	VERB
cjfa-16357	40	5	how	how	SCONJ
cjfa-16357	40	6	much	much	ADJ
cjfa-16357	40	7	to	to	PART
cjfa-16357	40	8	save	save	VERB
cjfa-16357	40	9	and	and	CCONJ
cjfa-16357	40	10	how	how	SCONJ
cjfa-16357	40	11	to	to	PART
cjfa-16357	40	12	invest	invest	VERB
cjfa-16357	40	13	.	.	PUNCT
cjfa-16357	41	1	what	what	PRON
cjfa-16357	41	2	is	be	AUX
cjfa-16357	41	3	more	more	ADJ
cjfa-16357	41	4	,	,	PUNCT
cjfa-16357	41	5	progress	progress	NOUN
cjfa-16357	41	6	of	of	ADP
cjfa-16357	41	7	medicine	medicine	NOUN
cjfa-16357	41	8	allows	allow	VERB
cjfa-16357	41	9	people	people	NOUN
cjfa-16357	41	10	to	to	PART
cjfa-16357	41	11	live	live	VERB
cjfa-16357	41	12	longer	long	ADV
cjfa-16357	41	13	.	.	PUNCT
cjfa-16357	42	1	longevity	longevity	NOUN
cjfa-16357	42	2	of	of	ADP
cjfa-16357	42	3	life	life	NOUN
cjfa-16357	42	4	not	not	PART
cjfa-16357	42	5	connected	connect	VERB
cjfa-16357	42	6	with	with	ADP
cjfa-16357	42	7	longer	long	ADJ
cjfa-16357	42	8	working	work	VERB
cjfa-16357	42	9	period	period	NOUN
cjfa-16357	42	10	contributes	contribute	VERB
cjfa-16357	42	11	to	to	ADP
cjfa-16357	42	12	crisis	crisis	NOUN
cjfa-16357	42	13	as	as	ADV
cjfa-16357	42	14	well	well	ADV
cjfa-16357	42	15	.	.	PUNCT
cjfa-16357	43	1	on	on	ADP
cjfa-16357	43	2	the	the	DET
cjfa-16357	43	3	other	other	ADJ
cjfa-16357	43	4	hand	hand	NOUN
cjfa-16357	43	5	,	,	PUNCT
cjfa-16357	43	6	majority	majority	NOUN
cjfa-16357	43	7	of	of	ADP
cjfa-16357	43	8	crisis	crisis	NOUN
cjfa-16357	43	9	causes	cause	VERB
cjfa-16357	43	10	lie	lie	VERB
cjfa-16357	43	11	in	in	ADP
cjfa-16357	43	12	macroeconomic	macroeconomic	ADJ
cjfa-16357	43	13	circumstances	circumstance	NOUN
cjfa-16357	43	14	and	and	CCONJ
cjfa-16357	43	15	policy	policy	NOUN
cjfa-16357	43	16	errors	error	NOUN
cjfa-16357	43	17	.	.	PUNCT
cjfa-16357	44	1	poor	poor	ADJ
cjfa-16357	44	2	market	market	NOUN
cjfa-16357	44	3	returns	return	NOUN
cjfa-16357	44	4	in	in	ADP
cjfa-16357	44	5	conjunction	conjunction	NOUN
cjfa-16357	44	6	with	with	ADP
cjfa-16357	44	7	high	high	ADJ
cjfa-16357	44	8	management	management	NOUN
cjfa-16357	44	9	fees	fee	NOUN
cjfa-16357	44	10	obviously	obviously	ADV
cjfa-16357	44	11	do	do	AUX
cjfa-16357	44	12	n’t	not	PART
cjfa-16357	44	13	encourage	encourage	VERB
cjfa-16357	44	14	to	to	ADP
cjfa-16357	44	15	investing	invest	VERB
cjfa-16357	44	16	.	.	PUNCT
cjfa-16357	45	1	what	what	PRON
cjfa-16357	45	2	is	be	AUX
cjfa-16357	45	3	more	more	ADJ
cjfa-16357	45	4	,	,	PUNCT
cjfa-16357	45	5	us	us	PROPN
cjfa-16357	45	6	tax	tax	NOUN
cjfa-16357	45	7	regulations	regulation	NOUN
cjfa-16357	45	8	favors	favor	VERB
cjfa-16357	45	9	direct	direct	ADJ
cjfa-16357	45	10	benefit	benefit	NOUN
cjfa-16357	45	11	plans	plan	NOUN
cjfa-16357	45	12	which	which	PRON
cjfa-16357	45	13	allows	allow	VERB
cjfa-16357	45	14	large	large	ADJ
cjfa-16357	45	15	percentage	percentage	NOUN
cjfa-16357	45	16	of	of	ADP
cjfa-16357	45	17	income	income	NOUN
cjfa-16357	45	18	to	to	PART
cjfa-16357	45	19	be	be	AUX
cjfa-16357	45	20	deferred	defer	VERB
cjfa-16357	45	21	.	.	PUNCT
cjfa-16357	46	1	when	when	SCONJ
cjfa-16357	46	2	direct	direct	ADJ
cjfa-16357	46	3	contribution	contribution	NOUN
cjfa-16357	46	4	plans	plan	NOUN
cjfa-16357	46	5	has	have	VERB
cjfa-16357	46	6	tax	tax	NOUN
cjfa-16357	46	7	deferral	deferral	ADJ
cjfa-16357	46	8	limits	limit	NOUN
cjfa-16357	46	9	sets	set	NOUN
cjfa-16357	46	10	so	so	ADV
cjfa-16357	46	11	low	low	ADJ
cjfa-16357	46	12	,	,	PUNCT
cjfa-16357	46	13	that	that	SCONJ
cjfa-16357	46	14	retiring	retire	VERB
cjfa-16357	46	15	on	on	ADP
cjfa-16357	46	16	tax	tax	NOUN
cjfa-16357	46	17	deferred	defer	VERB
cjfa-16357	46	18	balances	balance	NOUN
cjfa-16357	46	19	is	be	AUX
cjfa-16357	46	20	not	not	PART
cjfa-16357	46	21	an	an	DET
cjfa-16357	46	22	option	option	NOUN
cjfa-16357	46	23	(	(	PUNCT
cjfa-16357	46	24	brinson	brinson	PROPN
cjfa-16357	46	25	&	&	CCONJ
cjfa-16357	46	26	siegel	siegel	PROPN
cjfa-16357	46	27	,	,	PUNCT
cjfa-16357	46	28	2015	2015	NUM
cjfa-16357	46	29	)	)	PUNCT
cjfa-16357	46	30	.	.	PUNCT
cjfa-16357	47	1	shift	shift	VERB
cjfa-16357	47	2	from	from	ADP
cjfa-16357	47	3	db	db	PROPN
cjfa-16357	47	4	to	to	ADP
cjfa-16357	47	5	dc	dc	PROPN
cjfa-16357	47	6	plans	plan	NOUN
cjfa-16357	47	7	besides	besides	SCONJ
cjfa-16357	47	8	transferring	transfer	VERB
cjfa-16357	47	9	investment	investment	NOUN
cjfa-16357	47	10	risk	risk	NOUN
cjfa-16357	47	11	from	from	ADP
cjfa-16357	47	12	employer	employer	NOUN
cjfa-16357	47	13	to	to	ADP
cjfa-16357	47	14	employee	employee	NOUN
cjfa-16357	47	15	,	,	PUNCT
cjfa-16357	47	16	brought	bring	VERB
cjfa-16357	47	17	higher	high	ADJ
cjfa-16357	47	18	fees	fee	NOUN
cjfa-16357	47	19	as	as	ADV
cjfa-16357	47	20	well	well	ADV
cjfa-16357	47	21	,	,	PUNCT
cjfa-16357	47	22	because	because	SCONJ
cjfa-16357	47	23	dc	dc	PROPN
cjfa-16357	47	24	plans	plan	NOUN
cjfa-16357	47	25	,	,	PUNCT
cjfa-16357	47	26	unlike	unlike	ADP
cjfa-16357	47	27	db	db	PROPN
cjfa-16357	47	28	,	,	PUNCT
cjfa-16357	47	29	invest	invest	VERB
cjfa-16357	47	30	in	in	ADP
cjfa-16357	47	31	mutual	mutual	ADJ
cjfa-16357	47	32	funds	fund	NOUN
cjfa-16357	47	33	,	,	PUNCT
cjfa-16357	47	34	where	where	SCONJ
cjfa-16357	47	35	fees	fee	NOUN
cjfa-16357	47	36	are	be	AUX
cjfa-16357	47	37	higher	high	ADJ
cjfa-16357	47	38	.	.	PUNCT
cjfa-16357	48	1	which	which	DET
cjfa-16357	48	2	type	type	NOUN
cjfa-16357	48	3	of	of	ADP
cjfa-16357	48	4	plan	plan	NOUN
cjfa-16357	48	5	is	be	AUX
cjfa-16357	48	6	the	the	DET
cjfa-16357	48	7	most	most	ADV
cjfa-16357	48	8	common	common	ADJ
cjfa-16357	48	9	nowadays	nowaday	NOUN
cjfa-16357	48	10	?	?	PUNCT
cjfa-16357	49	1	figure	figure	NOUN
cjfa-16357	49	2	1	1	NUM
cjfa-16357	49	3	shows	show	VERB
cjfa-16357	49	4	that	that	SCONJ
cjfa-16357	49	5	it	it	PRON
cjfa-16357	49	6	will	will	AUX
cjfa-16357	49	7	be	be	AUX
cjfa-16357	49	8	iras	ira	NOUN
cjfa-16357	49	9	,	,	PUNCT
cjfa-16357	49	10	despite	despite	SCONJ
cjfa-16357	49	11	of	of	ADP
cjfa-16357	49	12	the	the	DET
cjfa-16357	49	13	fact	fact	NOUN
cjfa-16357	49	14	that	that	SCONJ
cjfa-16357	49	15	those	those	DET
cjfa-16357	49	16	plans	plan	NOUN
cjfa-16357	49	17	are	be	AUX
cjfa-16357	49	18	not	not	PART
cjfa-16357	49	19	sponsored	sponsor	VERB
cjfa-16357	49	20	by	by	ADP
cjfa-16357	49	21	employer	employer	NOUN
cjfa-16357	49	22	.	.	PUNCT
cjfa-16357	50	1	most	most	ADJ
cjfa-16357	50	2	of	of	ADP
cjfa-16357	50	3	the	the	DET
cjfa-16357	50	4	iras	ira	NOUN
cjfa-16357	50	5	assets	asset	NOUN
cjfa-16357	50	6	have	have	AUX
cjfa-16357	50	7	been	be	AUX
cjfa-16357	50	8	rolled	roll	VERB
cjfa-16357	50	9	out	out	ADP
cjfa-16357	50	10	from	from	ADP
cjfa-16357	50	11	employer	employer	NOUN
cjfa-16357	50	12	sponsored	sponsor	VERB
cjfa-16357	50	13	plans	plan	NOUN
cjfa-16357	50	14	.	.	PUNCT
cjfa-16357	51	1	in	in	ADP
cjfa-16357	51	2	2016	2016	NUM
cjfa-16357	51	3	iras	ira	NOUN
cjfa-16357	51	4	contribution	contribution	NOUN
cjfa-16357	51	5	hit	hit	VERB
cjfa-16357	51	6	31	31	NUM
cjfa-16357	51	7	%	%	NOUN
cjfa-16357	51	8	of	of	ADP
cjfa-16357	51	9	all	all	DET
cjfa-16357	51	10	the	the	DET
cjfa-16357	51	11	retirement	retirement	NOUN
cjfa-16357	51	12	assets	asset	NOUN
cjfa-16357	51	13	.	.	PUNCT
cjfa-16357	52	1	based	base	VERB
cjfa-16357	52	2	on	on	ADP
cjfa-16357	52	3	that	that	DET
cjfa-16357	52	4	fact	fact	NOUN
cjfa-16357	52	5	it	it	PRON
cjfa-16357	52	6	can	can	AUX
cjfa-16357	52	7	be	be	AUX
cjfa-16357	52	8	said	say	VERB
cjfa-16357	52	9	,	,	PUNCT
cjfa-16357	52	10	that	that	SCONJ
cjfa-16357	52	11	the	the	DET
cjfa-16357	52	12	return	return	NOUN
cjfa-16357	52	13	from	from	ADP
cjfa-16357	52	14	iras	ira	NOUN
cjfa-16357	52	15	have	have	VERB
cjfa-16357	52	16	a	a	DET
cjfa-16357	52	17	substantial	substantial	ADJ
cjfa-16357	52	18	impact	impact	NOUN
cjfa-16357	52	19	on	on	ADP
cjfa-16357	52	20	their	their	PRON
cjfa-16357	52	21	holders	holder	NOUN
cjfa-16357	52	22	retirement	retirement	NOUN
cjfa-16357	52	23	.	.	PUNCT
cjfa-16357	53	1	figure	figure	NOUN
cjfa-16357	53	2	1	1	NUM
cjfa-16357	53	3	.	.	PUNCT
cjfa-16357	54	1	us	us	PROPN
cjfa-16357	54	2	retirement	retirement	NOUN
cjfa-16357	54	3	assets	asset	NOUN
cjfa-16357	54	4	2q	2q	NUM
cjfa-16357	54	5	2016	2016	NUM
cjfa-16357	54	6	source	source	NOUN
cjfa-16357	54	7	:	:	PUNCT
cjfa-16357	54	8	author	author	NOUN
cjfa-16357	54	9	’s	’s	PART
cjfa-16357	54	10	own	own	ADJ
cjfa-16357	54	11	elaboration	elaboration	NOUN
cjfa-16357	54	12	based	base	VERB
cjfa-16357	54	13	on	on	ADP
cjfa-16357	54	14	:	:	PUNCT
cjfa-16357	54	15	http://us.pensiontracker.org/index.php	http://us.pensiontracker.org/index.php	PROPN
cjfa-16357	54	16	.	.	PUNCT
cjfa-16357	55	1	considering	consider	VERB
cjfa-16357	55	2	that	that	SCONJ
cjfa-16357	55	3	iras	iras	PROPN
cjfa-16357	55	4	holds	hold	VERB
cjfa-16357	55	5	a	a	DET
cjfa-16357	55	6	bulk	bulk	NOUN
cjfa-16357	55	7	of	of	ADP
cjfa-16357	55	8	americans	americans	PROPN
cjfa-16357	55	9	retirement	retirement	NOUN
cjfa-16357	55	10	savings	saving	NOUN
cjfa-16357	55	11	it	it	PRON
cjfa-16357	55	12	is	be	AUX
cjfa-16357	55	13	worth	worth	ADJ
cjfa-16357	55	14	to	to	PART
cjfa-16357	55	15	compare	compare	VERB
cjfa-16357	55	16	return	return	NOUN
cjfa-16357	55	17	rates	rate	NOUN
cjfa-16357	55	18	between	between	ADP
cjfa-16357	55	19	types	type	NOUN
cjfa-16357	55	20	of	of	ADP
cjfa-16357	55	21	plans	plan	NOUN
cjfa-16357	55	22	.	.	PUNCT
cjfa-16357	56	1	figure	figure	NOUN
cjfa-16357	56	2	2	2	NUM
cjfa-16357	56	3	shows	show	VERB
cjfa-16357	56	4	geometric	geometric	ADJ
cjfa-16357	56	5	return	return	NOUN
cjfa-16357	56	6	rates	rate	NOUN
cjfa-16357	56	7	from	from	ADP
cjfa-16357	56	8	db	db	PROPN
cjfa-16357	56	9	,	,	PUNCT
cjfa-16357	56	10	dc	dc	PROPN
cjfa-16357	56	11	and	and	CCONJ
cjfa-16357	56	12	ira	ira	PROPN
cjfa-16357	56	13	plans	plan	NOUN
cjfa-16357	56	14	calculated	calculate	VERB
cjfa-16357	56	15	over	over	ADP
cjfa-16357	56	16	12	12	NUM
cjfa-16357	56	17	years	year	NOUN
cjfa-16357	56	18	(	(	PUNCT
cjfa-16357	56	19	2000	2000	NUM
cjfa-16357	56	20	-	-	SYM
cjfa-16357	56	21	2012	2012	NUM
cjfa-16357	56	22	)	)	PUNCT
cjfa-16357	56	23	.	.	PUNCT
cjfa-16357	57	1	during	during	ADP
cjfa-16357	57	2	that	that	DET
cjfa-16357	57	3	time	time	NOUN
cjfa-16357	57	4	so	so	ADV
cjfa-16357	57	5	popular	popular	ADJ
cjfa-16357	57	6	iras	ira	NOUN
cjfa-16357	57	7	produced	produce	VERB
cjfa-16357	57	8	substantially	substantially	ADV
cjfa-16357	57	9	lower	low	ADJ
cjfa-16357	57	10	returns	return	NOUN
cjfa-16357	57	11	that	that	PRON
cjfa-16357	57	12	db	db	VERB
cjfa-16357	57	13	or	or	CCONJ
cjfa-16357	57	14	dc	dc	PROPN
cjfa-16357	57	15	.	.	PUNCT
cjfa-16357	58	1	there	there	PRON
cjfa-16357	58	2	are	be	VERB
cjfa-16357	58	3	two	two	NUM
cjfa-16357	58	4	reasons	reason	NOUN
cjfa-16357	58	5	of	of	ADP
cjfa-16357	58	6	lower	low	ADJ
cjfa-16357	58	7	returns	return	NOUN
cjfa-16357	58	8	:	:	PUNCT
cjfa-16357	58	9	higher	high	ADJ
cjfa-16357	58	10	fees	fee	NOUN
cjfa-16357	58	11	and	and	CCONJ
cjfa-16357	58	12	assets	asset	NOUN
cjfa-16357	58	13	allocation	allocation	NOUN
cjfa-16357	58	14	.	.	PUNCT
cjfa-16357	59	1	comparing	compare	VERB
cjfa-16357	59	2	to	to	ADP
cjfa-16357	59	3	4	4	NUM
cjfa-16357	59	4	%	%	NOUN
cjfa-16357	59	5	of	of	ADP
cjfa-16357	59	6	the	the	DET
cjfa-16357	59	7	assets	asset	NOUN
cjfa-16357	59	8	invested	invest	VERB
cjfa-16357	59	9	in	in	ADP
cjfa-16357	59	10	money	money	NOUN
cjfa-16357	59	11	$	$	SYM
cjfa-16357	59	12	5,2	5,2	NUM
cjfa-16357	59	13	$	$	SYM
cjfa-16357	59	14	2,8	2,8	NUM
cjfa-16357	59	15	$	$	SYM
cjfa-16357	59	16	7,5	7,5	NUM
cjfa-16357	59	17	$	$	SYM
cjfa-16357	59	18	7,0	7,0	NUM
cjfa-16357	59	19	$	$	SYM
cjfa-16357	59	20	2,0	2,0	NUM
cjfa-16357	59	21	us	us	PROPN
cjfa-16357	59	22	retirement	retirement	NOUN
cjfa-16357	59	23	assets	asset	NOUN
cjfa-16357	59	24	2q	2q	NUM
cjfa-16357	59	25	2016	2016	NUM
cjfa-16357	59	26	state	state	NOUN
cjfa-16357	59	27	db	db	PROPN
cjfa-16357	59	28	private	private	NOUN
cjfa-16357	59	29	db	db	PROPN
cjfa-16357	59	30	ira	ira	PROPN
cjfa-16357	59	31	dc	dc	PROPN
cjfa-16357	59	32	annuities	annuities	PROPN
cjfa-16357	59	33	s	s	PART
cjfa-16357	59	34	o	o	NOUN
cjfa-16357	59	35	u	u	NOUN
cjfa-16357	59	36	r	r	NOUN
cjfa-16357	59	37	c	c	NOUN
cjfa-16357	59	38	e	e	NOUN
cjfa-16357	59	39	:	:	PUNCT
cjfa-16357	59	40	author	author	NOUN
cjfa-16357	59	41	’s	’s	PART
cjfa-16357	59	42	own	own	ADJ
cjfa-16357	59	43	elaboration	elaboration	NOUN
cjfa-16357	59	44	based	base	VERB
cjfa-16357	59	45	on	on	ADP
cjfa-16357	59	46	:	:	PUNCT
cjfa-16357	59	47	http://us.pensiontracker.org/index.php	http://us.pensiontracker.org/index.php	PROPN
cjfa-16357	59	48	.	.	PUNCT
cjfa-16357	60	1	low	low	ADJ
cjfa-16357	60	2	cost	cost	NOUN
cjfa-16357	60	3	retirement	retirement	NOUN
cjfa-16357	60	4	solutions	solution	NOUN
cjfa-16357	60	5	based	base	VERB
cjfa-16357	60	6	on	on	ADP
cjfa-16357	60	7	robo	robo	NOUN
cjfa-16357	60	8	-	-	PUNCT
cjfa-16357	60	9	advisors	advisor	NOUN
cjfa-16357	60	10	…	…	PUNCT
cjfa-16357	60	11	77	77	NUM
cjfa-16357	60	12	considering	consider	VERB
cjfa-16357	60	13	that	that	SCONJ
cjfa-16357	60	14	iras	iras	PROPN
cjfa-16357	60	15	holds	hold	VERB
cjfa-16357	60	16	a	a	DET
cjfa-16357	60	17	bulk	bulk	NOUN
cjfa-16357	60	18	of	of	ADP
cjfa-16357	60	19	americans	americans	PROPN
cjfa-16357	60	20	retirement	retirement	NOUN
cjfa-16357	60	21	savings	saving	NOUN
cjfa-16357	60	22	it	it	PRON
cjfa-16357	60	23	is	be	AUX
cjfa-16357	60	24	worth	worth	ADJ
cjfa-16357	60	25	to	to	PART
cjfa-16357	60	26	compare	compare	VERB
cjfa-16357	60	27	return	return	NOUN
cjfa-16357	60	28	rates	rate	NOUN
cjfa-16357	60	29	between	between	ADP
cjfa-16357	60	30	types	type	NOUN
cjfa-16357	60	31	of	of	ADP
cjfa-16357	60	32	plans	plan	NOUN
cjfa-16357	60	33	.	.	PUNCT
cjfa-16357	61	1	figure	figure	NOUN
cjfa-16357	61	2	2	2	NUM
cjfa-16357	61	3	shows	show	VERB
cjfa-16357	61	4	geometric	geometric	ADJ
cjfa-16357	61	5	return	return	NOUN
cjfa-16357	61	6	rates	rate	NOUN
cjfa-16357	61	7	from	from	ADP
cjfa-16357	61	8	db	db	PROPN
cjfa-16357	61	9	,	,	PUNCT
cjfa-16357	61	10	dc	dc	PROPN
cjfa-16357	61	11	and	and	CCONJ
cjfa-16357	61	12	ira	ira	PROPN
cjfa-16357	61	13	plans	plan	NOUN
cjfa-16357	61	14	calculated	calculate	VERB
cjfa-16357	61	15	over	over	ADP
cjfa-16357	61	16	12	12	NUM
cjfa-16357	61	17	years	year	NOUN
cjfa-16357	61	18	(	(	PUNCT
cjfa-16357	61	19	2000	2000	NUM
cjfa-16357	61	20	–	–	PUNCT
cjfa-16357	61	21	–	–	PUNCT
cjfa-16357	61	22	2012	2012	NUM
cjfa-16357	61	23	)	)	PUNCT
cjfa-16357	61	24	.	.	PUNCT
cjfa-16357	62	1	during	during	ADP
cjfa-16357	62	2	that	that	DET
cjfa-16357	62	3	time	time	NOUN
cjfa-16357	62	4	so	so	ADV
cjfa-16357	62	5	popular	popular	ADJ
cjfa-16357	62	6	iras	ira	NOUN
cjfa-16357	62	7	produced	produce	VERB
cjfa-16357	62	8	substantially	substantially	ADV
cjfa-16357	62	9	lower	low	ADJ
cjfa-16357	62	10	returns	return	NOUN
cjfa-16357	62	11	that	that	PRON
cjfa-16357	62	12	db	db	VERB
cjfa-16357	62	13	or	or	CCONJ
cjfa-16357	62	14	dc	dc	PROPN
cjfa-16357	62	15	.	.	PUNCT
cjfa-16357	63	1	there	there	PRON
cjfa-16357	63	2	are	be	VERB
cjfa-16357	63	3	two	two	NUM
cjfa-16357	63	4	reasons	reason	NOUN
cjfa-16357	63	5	of	of	ADP
cjfa-16357	63	6	lower	low	ADJ
cjfa-16357	63	7	returns	return	NOUN
cjfa-16357	63	8	:	:	PUNCT
cjfa-16357	63	9	higher	high	ADJ
cjfa-16357	63	10	fees	fee	NOUN
cjfa-16357	63	11	and	and	CCONJ
cjfa-16357	63	12	assets	asset	NOUN
cjfa-16357	63	13	allocation	allocation	NOUN
cjfa-16357	63	14	.	.	PUNCT
cjfa-16357	64	1	comparing	compare	VERB
cjfa-16357	64	2	to	to	ADP
cjfa-16357	64	3	4	4	NUM
cjfa-16357	64	4	%	%	NOUN
cjfa-16357	64	5	of	of	ADP
cjfa-16357	64	6	the	the	DET
cjfa-16357	64	7	assets	asset	NOUN
cjfa-16357	64	8	invested	invest	VERB
cjfa-16357	64	9	in	in	ADP
cjfa-16357	64	10	money	money	NOUN
cjfa-16357	64	11	funds	fund	NOUN
cjfa-16357	64	12	by	by	ADP
cjfa-16357	64	13	dc	dc	PROPN
cjfa-16357	64	14	average	average	ADJ
cjfa-16357	64	15	iras	ira	NOUN
cjfa-16357	64	16	invest	invest	VERB
cjfa-16357	64	17	up	up	ADP
cjfa-16357	64	18	to	to	PART
cjfa-16357	64	19	11	11	NUM
cjfa-16357	64	20	%	%	NOUN
cjfa-16357	64	21	in	in	ADP
cjfa-16357	64	22	those	those	PRON
cjfa-16357	64	23	in	in	ADP
cjfa-16357	64	24	fact	fact	NOUN
cjfa-16357	64	25	safe	safe	ADJ
cjfa-16357	64	26	but	but	CCONJ
cjfa-16357	64	27	low	low	ADJ
cjfa-16357	64	28	return	return	NOUN
cjfa-16357	64	29	funds	fund	NOUN
cjfa-16357	64	30	(	(	PUNCT
cjfa-16357	64	31	munnell	munnell	NOUN
cjfa-16357	64	32	et	et	PROPN
cjfa-16357	64	33	al	al	PROPN
cjfa-16357	64	34	.	.	PROPN
cjfa-16357	64	35	,	,	PUNCT
cjfa-16357	64	36	2015	2015	NUM
cjfa-16357	64	37	,	,	PUNCT
cjfa-16357	64	38	p.	p.	NOUN
cjfa-16357	64	39	6	6	NUM
cjfa-16357	64	40	)	)	PUNCT
cjfa-16357	64	41	.	.	PUNCT
cjfa-16357	65	1	figure	figure	NOUN
cjfa-16357	65	2	2	2	NUM
cjfa-16357	65	3	.	.	PUNCT
cjfa-16357	66	1	geometric	geometric	ADJ
cjfa-16357	66	2	rates	rate	NOUN
cjfa-16357	66	3	of	of	ADP
cjfa-16357	66	4	return	return	NOUN
cjfa-16357	66	5	by	by	ADP
cjfa-16357	66	6	plan	plan	NOUN
cjfa-16357	66	7	type	type	NOUN
cjfa-16357	66	8	(	(	PUNCT
cjfa-16357	66	9	2000–2012	2000–2012	NUM
cjfa-16357	66	10	)	)	PUNCT
cjfa-16357	66	11	funds	fund	NOUN
cjfa-16357	66	12	by	by	ADP
cjfa-16357	66	13	dc	dc	PROPN
cjfa-16357	66	14	average	average	ADJ
cjfa-16357	66	15	iras	ira	NOUN
cjfa-16357	66	16	invest	invest	VERB
cjfa-16357	66	17	up	up	ADP
cjfa-16357	66	18	to	to	PART
cjfa-16357	66	19	11	11	NUM
cjfa-16357	66	20	%	%	NOUN
cjfa-16357	66	21	in	in	ADP
cjfa-16357	66	22	those	those	PRON
cjfa-16357	66	23	in	in	ADP
cjfa-16357	66	24	fact	fact	NOUN
cjfa-16357	66	25	safe	safe	ADJ
cjfa-16357	66	26	but	but	CCONJ
cjfa-16357	66	27	low	low	ADJ
cjfa-16357	66	28	return	return	NOUN
cjfa-16357	66	29	funds	fund	NOUN
cjfa-16357	66	30	(	(	PUNCT
cjfa-16357	66	31	munnell	munnell	NOUN
cjfa-16357	66	32	et	et	PROPN
cjfa-16357	66	33	al	al	PROPN
cjfa-16357	66	34	.	.	PROPN
cjfa-16357	66	35	,	,	PUNCT
cjfa-16357	66	36	2015	2015	NUM
cjfa-16357	66	37	)	)	PUNCT
cjfa-16357	66	38	.	.	PUNCT
cjfa-16357	67	1	figure	figure	NOUN
cjfa-16357	67	2	2	2	NUM
cjfa-16357	67	3	.	.	PUNCT
cjfa-16357	68	1	geometric	geometric	ADJ
cjfa-16357	68	2	rates	rate	NOUN
cjfa-16357	68	3	of	of	ADP
cjfa-16357	68	4	return	return	NOUN
cjfa-16357	68	5	by	by	ADP
cjfa-16357	68	6	plan	plan	NOUN
cjfa-16357	68	7	type	type	NOUN
cjfa-16357	68	8	source	source	NOUN
cjfa-16357	68	9	:	:	PUNCT
cjfa-16357	68	10	aubry	aubry	PROPN
cjfa-16357	68	11	,	,	PUNCT
cjfa-16357	68	12	crawford	crawford	PROPN
cjfa-16357	68	13	,	,	PUNCT
cjfa-16357	68	14	munnell	munnell	PROPN
cjfa-16357	68	15	,	,	PUNCT
cjfa-16357	68	16	investment	investment	NOUN
cjfa-16357	68	17	returns	return	NOUN
cjfa-16357	68	18	:	:	PUNCT
cjfa-16357	68	19	defined	define	VERB
cjfa-16357	68	20	benefit	benefit	NOUN
cjfa-16357	68	21	vs.	vs.	ADP
cjfa-16357	68	22	defined	define	VERB
cjfa-16357	68	23	contribution	contribution	NOUN
cjfa-16357	68	24	plans	plan	NOUN
cjfa-16357	68	25	,	,	PUNCT
cjfa-16357	68	26	center	center	NOUN
cjfa-16357	68	27	for	for	ADP
cjfa-16357	68	28	retirement	retirement	NOUN
cjfa-16357	68	29	research	research	PROPN
cjfa-16357	68	30	boston	boston	PROPN
cjfa-16357	68	31	college	college	PROPN
cjfa-16357	68	32	,	,	PUNCT
cjfa-16357	68	33	2015	2015	NUM
cjfa-16357	68	34	.	.	PUNCT
cjfa-16357	69	1	for	for	ADP
cjfa-16357	69	2	many	many	ADJ
cjfa-16357	69	3	years	year	NOUN
cjfa-16357	69	4	bonds	bond	NOUN
cjfa-16357	69	5	were	be	AUX
cjfa-16357	69	6	a	a	DET
cjfa-16357	69	7	key	key	ADJ
cjfa-16357	69	8	components	component	NOUN
cjfa-16357	69	9	of	of	ADP
cjfa-16357	69	10	retirement	retirement	NOUN
cjfa-16357	69	11	portfolios	portfolio	NOUN
cjfa-16357	69	12	.	.	PUNCT
cjfa-16357	70	1	considering	consider	VERB
cjfa-16357	70	2	goal	goal	NOUN
cjfa-16357	70	3	of	of	ADP
cjfa-16357	70	4	bringing	bring	VERB
cjfa-16357	70	5	income	income	NOUN
cjfa-16357	70	6	that	that	PRON
cjfa-16357	70	7	allows	allow	VERB
cjfa-16357	70	8	4	4	NUM
cjfa-16357	70	9	-	-	SYM
cjfa-16357	70	10	5	5	NUM
cjfa-16357	70	11	%	%	NOUN
cjfa-16357	70	12	annual	annual	ADJ
cjfa-16357	70	13	withdrawals	withdrawal	NOUN
cjfa-16357	70	14	during	during	ADP
cjfa-16357	70	15	retirement	retirement	NOUN
cjfa-16357	70	16	,	,	PUNCT
cjfa-16357	70	17	the	the	DET
cjfa-16357	70	18	bond	bond	NOUN
cjfa-16357	70	19	yields	yield	NOUN
cjfa-16357	70	20	were	be	AUX
cjfa-16357	70	21	a	a	DET
cjfa-16357	70	22	great	great	ADJ
cjfa-16357	70	23	and	and	CCONJ
cjfa-16357	70	24	safe	safe	ADJ
cjfa-16357	70	25	choice	choice	NOUN
cjfa-16357	70	26	until	until	ADP
cjfa-16357	70	27	2000	2000	NUM
cjfa-16357	70	28	,	,	PUNCT
cjfa-16357	70	29	when	when	SCONJ
cjfa-16357	70	30	interest	interest	NOUN
cjfa-16357	70	31	rates	rate	NOUN
cjfa-16357	70	32	started	start	VERB
cjfa-16357	70	33	falling	fall	VERB
cjfa-16357	70	34	.	.	PUNCT
cjfa-16357	71	1	today	today	NOUN
cjfa-16357	71	2	10	10	NUM
cjfa-16357	71	3	years	year	NOUN
cjfa-16357	71	4	us	us	PROPN
cjfa-16357	71	5	t	t	PROPN
cjfa-16357	71	6	-	-	PUNCT
cjfa-16357	71	7	bond	bond	NOUN
cjfa-16357	71	8	yield	yield	NOUN
cjfa-16357	71	9	does	do	AUX
cjfa-16357	71	10	n’t	not	PART
cjfa-16357	71	11	exceed	exceed	VERB
cjfa-16357	71	12	2	2	NUM
cjfa-16357	71	13	%	%	NOUN
cjfa-16357	71	14	.	.	PUNCT
cjfa-16357	72	1	what	what	PRON
cjfa-16357	72	2	is	be	AUX
cjfa-16357	72	3	more	more	ADJ
cjfa-16357	72	4	dividend	dividend	NOUN
cjfa-16357	72	5	yields	yield	NOUN
cjfa-16357	72	6	have	have	AUX
cjfa-16357	72	7	fallen	fall	VERB
cjfa-16357	72	8	to	to	ADP
cjfa-16357	72	9	as	as	ADV
cjfa-16357	72	10	low	low	ADJ
cjfa-16357	72	11	as	as	ADV
cjfa-16357	72	12	slightly	slightly	ADV
cjfa-16357	72	13	more	more	ADJ
cjfa-16357	72	14	than	than	ADP
cjfa-16357	72	15	2	2	NUM
cjfa-16357	72	16	%	%	NOUN
cjfa-16357	72	17	for	for	ADP
cjfa-16357	72	18	s&p	s&p	PROPN
cjfa-16357	72	19	500	500	NUM
cjfa-16357	72	20	index	index	NOUN
cjfa-16357	72	21	.	.	PUNCT
cjfa-16357	73	1	considering	consider	VERB
cjfa-16357	73	2	above	above	ADP
cjfa-16357	73	3	mentioned	mention	VERB
cjfa-16357	73	4	conditions	condition	NOUN
cjfa-16357	73	5	,	,	PUNCT
cjfa-16357	73	6	conservative	conservative	ADJ
cjfa-16357	73	7	retirement	retirement	NOUN
cjfa-16357	73	8	portfolio	portfolio	NOUN
cjfa-16357	73	9	based	base	VERB
cjfa-16357	73	10	on	on	ADP
cjfa-16357	73	11	bonds	bond	NOUN
cjfa-16357	73	12	and	and	CCONJ
cjfa-16357	73	13	dividend	dividend	NOUN
cjfa-16357	73	14	stocks	stock	NOUN
cjfa-16357	73	15	is	be	AUX
cjfa-16357	73	16	a	a	DET
cjfa-16357	73	17	good	good	ADJ
cjfa-16357	73	18	and	and	CCONJ
cjfa-16357	73	19	safe	safe	ADJ
cjfa-16357	73	20	solution	solution	NOUN
cjfa-16357	73	21	to	to	PART
cjfa-16357	73	22	preserve	preserve	VERB
cjfa-16357	73	23	the	the	DET
cjfa-16357	73	24	value	value	NOUN
cjfa-16357	73	25	of	of	ADP
cjfa-16357	73	26	capital	capital	NOUN
cjfa-16357	73	27	,	,	PUNCT
cjfa-16357	73	28	but	but	CCONJ
cjfa-16357	73	29	at	at	ADP
cjfa-16357	73	30	once	once	ADV
cjfa-16357	73	31	is	be	AUX
cjfa-16357	73	32	very	very	ADV
cjfa-16357	73	33	risky	risky	ADJ
cjfa-16357	73	34	in	in	ADP
cjfa-16357	73	35	terms	term	NOUN
cjfa-16357	73	36	of	of	ADP
cjfa-16357	73	37	income	income	NOUN
cjfa-16357	73	38	point	point	NOUN
cjfa-16357	73	39	of	of	ADP
cjfa-16357	73	40	view	view	NOUN
cjfa-16357	73	41	.	.	PUNCT
cjfa-16357	74	1	if	if	SCONJ
cjfa-16357	74	2	the	the	DET
cjfa-16357	74	3	goal	goal	NOUN
cjfa-16357	74	4	of	of	ADP
cjfa-16357	74	5	4	4	NUM
cjfa-16357	74	6	-	-	SYM
cjfa-16357	74	7	5	5	NUM
cjfa-16357	74	8	%	%	NOUN
cjfa-16357	74	9	annual	annual	ADJ
cjfa-16357	74	10	withdrawals	withdrawal	NOUN
cjfa-16357	74	11	of	of	ADP
cjfa-16357	74	12	income	income	NOUN
cjfa-16357	74	13	during	during	ADP
cjfa-16357	74	14	retirement	retirement	NOUN
cjfa-16357	74	15	has	have	VERB
cjfa-16357	74	16	to	to	PART
cjfa-16357	74	17	be	be	AUX
cjfa-16357	74	18	reached	reach	VERB
cjfa-16357	74	19	,	,	PUNCT
cjfa-16357	74	20	we	we	PRON
cjfa-16357	74	21	should	should	AUX
cjfa-16357	74	22	look	look	VERB
cjfa-16357	74	23	for	for	ADP
cjfa-16357	74	24	other	other	ADJ
cjfa-16357	74	25	solutions	solution	NOUN
cjfa-16357	74	26	than	than	ADP
cjfa-16357	74	27	bond	bond	NOUN
cjfa-16357	74	28	and	and	CCONJ
cjfa-16357	74	29	dividend	dividend	NOUN
cjfa-16357	74	30	stocks	stock	NOUN
cjfa-16357	74	31	.	.	PUNCT
cjfa-16357	75	1	except	except	SCONJ
cjfa-16357	75	2	allocation	allocation	NOUN
cjfa-16357	75	3	of	of	ADP
cjfa-16357	75	4	assets	asset	NOUN
cjfa-16357	75	5	,	,	PUNCT
cjfa-16357	75	6	fees	fee	NOUN
cjfa-16357	75	7	are	be	AUX
cjfa-16357	75	8	other	other	ADJ
cjfa-16357	75	9	important	important	ADJ
cjfa-16357	75	10	factor	factor	NOUN
cjfa-16357	75	11	that	that	PRON
cjfa-16357	75	12	contributes	contribute	VERB
cjfa-16357	75	13	to	to	ADP
cjfa-16357	75	14	future	future	ADJ
cjfa-16357	75	15	retirement	retirement	NOUN
cjfa-16357	75	16	income	income	NOUN
cjfa-16357	75	17	.	.	PUNCT
cjfa-16357	76	1	to	to	PART
cjfa-16357	76	2	understand	understand	VERB
cjfa-16357	76	3	how	how	SCONJ
cjfa-16357	76	4	significant	significant	ADJ
cjfa-16357	76	5	is	be	AUX
cjfa-16357	76	6	an	an	DET
cjfa-16357	76	7	impact	impact	NOUN
cjfa-16357	76	8	of	of	ADP
cjfa-16357	76	9	fees	fee	NOUN
cjfa-16357	76	10	on	on	ADP
cjfa-16357	76	11	an	an	DET
cjfa-16357	76	12	individual	individual	ADJ
cjfa-16357	76	13	retirement	retirement	NOUN
cjfa-16357	76	14	it	it	PRON
cjfa-16357	76	15	’s	’	VERB
cjfa-16357	76	16	worth	worth	ADJ
cjfa-16357	76	17	to	to	PART
cjfa-16357	76	18	quote	quote	VERB
cjfa-16357	76	19	the	the	DET
cjfa-16357	76	20	example	example	NOUN
cjfa-16357	76	21	brought	bring	VERB
cjfa-16357	76	22	by	by	ADP
cjfa-16357	76	23	ericskon	ericskon	PROPN
cjfa-16357	76	24	and	and	CCONJ
cjfa-16357	76	25	madland	madland	PROPN
cjfa-16357	76	26	(	(	PUNCT
cjfa-16357	76	27	ericson	ericson	PROPN
cjfa-16357	76	28	&	&	CCONJ
cjfa-16357	76	29	madland	madland	PROPN
cjfa-16357	76	30	,	,	PUNCT
cjfa-16357	76	31	2014	2014	NUM
cjfa-16357	76	32	)	)	PUNCT
cjfa-16357	76	33	,	,	PUNCT
cjfa-16357	76	34	which	which	PRON
cjfa-16357	76	35	demonstrates	demonstrate	VERB
cjfa-16357	76	36	how	how	SCONJ
cjfa-16357	76	37	small	small	ADJ
cjfa-16357	76	38	difference	difference	NOUN
cjfa-16357	76	39	in	in	ADP
cjfa-16357	76	40	fees	fee	NOUN
cjfa-16357	76	41	results	result	NOUN
cjfa-16357	76	42	in	in	ADP
cjfa-16357	76	43	significant	significant	ADJ
cjfa-16357	76	44	difference	difference	NOUN
cjfa-16357	76	45	in	in	ADP
cjfa-16357	76	46	future	future	ADJ
cjfa-16357	76	47	retirement	retirement	NOUN
cjfa-16357	76	48	.	.	PUNCT
cjfa-16357	77	1	figure	figure	NOUN
cjfa-16357	77	2	3	3	NUM
cjfa-16357	77	3	demonstrates	demonstrate	VERB
cjfa-16357	77	4	how	how	SCONJ
cjfa-16357	77	5	big	big	ADJ
cjfa-16357	77	6	can	can	AUX
cjfa-16357	77	7	be	be	AUX
cjfa-16357	77	8	a	a	DET
cjfa-16357	77	9	difference	difference	NOUN
cjfa-16357	77	10	between	between	ADP
cjfa-16357	77	11	funds	fund	NOUN
cjfa-16357	77	12	with	with	ADP
cjfa-16357	77	13	an	an	DET
cjfa-16357	77	14	expense	expense	NOUN
cjfa-16357	77	15	ratio	ratio	NOUN
cjfa-16357	77	16	0.25	0.25	NUM
cjfa-16357	77	17	%	%	NOUN
cjfa-16357	77	18	,	,	PUNCT
cjfa-16357	77	19	1	1	NUM
cjfa-16357	77	20	%	%	NOUN
cjfa-16357	77	21	and	and	CCONJ
cjfa-16357	77	22	1.3	1.3	NUM
cjfa-16357	77	23	%	%	NOUN
cjfa-16357	77	24	in	in	ADP
cjfa-16357	77	25	fees	fee	NOUN
cjfa-16357	77	26	paid	pay	VERB
cjfa-16357	77	27	over	over	ADP
cjfa-16357	77	28	a	a	DET
cjfa-16357	77	29	lifetime	lifetime	NOUN
cjfa-16357	77	30	by	by	ADP
cjfa-16357	77	31	25	25	NUM
cjfa-16357	77	32	years	year	NOUN
cjfa-16357	77	33	old	old	ADJ
cjfa-16357	77	34	employee	employee	NOUN
cjfa-16357	77	35	earning	earn	VERB
cjfa-16357	77	36	30,502	30,502	NUM
cjfa-16357	77	37	usd	usd	NOUN
cjfa-16357	77	38	(	(	PUNCT
cjfa-16357	77	39	which	which	PRON
cjfa-16357	77	40	is	be	AUX
cjfa-16357	77	41	a	a	DET
cjfa-16357	77	42	2014	2014	NUM
cjfa-16357	77	43	median	median	ADJ
cjfa-16357	77	44	salary	salary	NOUN
cjfa-16357	77	45	in	in	ADP
cjfa-16357	77	46	the	the	DET
cjfa-16357	77	47	us	us	PROPN
cjfa-16357	77	48	for	for	ADP
cjfa-16357	77	49	that	that	DET
cjfa-16357	77	50	age	age	NOUN
cjfa-16357	77	51	group	group	NOUN
cjfa-16357	77	52	)	)	PUNCT
cjfa-16357	77	53	and	and	CCONJ
cjfa-16357	77	54	an	an	DET
cjfa-16357	77	55	employee	employee	NOUN
cjfa-16357	77	56	earning	earn	VERB
cjfa-16357	77	57	75	75	NUM
cjfa-16357	77	58	000	000	NUM
cjfa-16357	77	59	usd	usd	NOUN
cjfa-16357	77	60	.	.	PUNCT
cjfa-16357	78	1	both	both	DET
cjfa-16357	78	2	individuals	individual	NOUN
cjfa-16357	78	3	contribute	contribute	VERB
cjfa-16357	78	4	5	5	NUM
cjfa-16357	78	5	%	%	NOUN
cjfa-16357	78	6	of	of	ADP
cjfa-16357	78	7	their	their	PRON
cjfa-16357	78	8	salary	salary	NOUN
cjfa-16357	78	9	which	which	PRON
cjfa-16357	78	10	is	be	AUX
cjfa-16357	78	11	2,2	2,2	NUM
cjfa-16357	78	12	%	%	NOUN
cjfa-16357	78	13	3,1	3,1	NUM
cjfa-16357	78	14	%	%	NOUN
cjfa-16357	78	15	4,7	4,7	NUM
cjfa-16357	78	16	%	%	NOUN
cjfa-16357	78	17	0,0	0,0	NUM
cjfa-16357	78	18	%	%	NOUN
cjfa-16357	78	19	0,5	0,5	NUM
cjfa-16357	78	20	%	%	NOUN
cjfa-16357	78	21	1,0	1,0	NUM
cjfa-16357	78	22	%	%	NOUN
cjfa-16357	78	23	1,5	1,5	NUM
cjfa-16357	78	24	%	%	NOUN
cjfa-16357	78	25	2,0	2,0	NUM
cjfa-16357	78	26	%	%	NOUN
cjfa-16357	78	27	2,5	2,5	NUM
cjfa-16357	78	28	%	%	NOUN
cjfa-16357	78	29	3,0	3,0	NUM
cjfa-16357	78	30	%	%	NOUN
cjfa-16357	78	31	3,5	3,5	NUM
cjfa-16357	78	32	%	%	NOUN
cjfa-16357	78	33	4,0	4,0	NUM
cjfa-16357	78	34	%	%	NOUN
cjfa-16357	78	35	4,5	4,5	NUM
cjfa-16357	78	36	%	%	NOUN
cjfa-16357	78	37	5,0	5,0	NUM
cjfa-16357	78	38	%	%	NOUN
cjfa-16357	78	39	ira	ira	PROPN
cjfa-16357	78	40	dc	dc	PROPN
cjfa-16357	78	41	db	db	INTJ
cjfa-16357	78	42	geometric	geometric	ADJ
cjfa-16357	78	43	rates	rate	NOUN
cjfa-16357	78	44	of	of	ADP
cjfa-16357	78	45	return	return	NOUN
cjfa-16357	78	46	by	by	ADP
cjfa-16357	78	47	plan	plan	NOUN
cjfa-16357	78	48	type	type	NOUN
cjfa-16357	78	49	(	(	PUNCT
cjfa-16357	78	50	2000–2012	2000–2012	NUM
cjfa-16357	78	51	)	)	PUNCT
cjfa-16357	78	52	s	s	PART
cjfa-16357	78	53	o	o	NOUN
cjfa-16357	78	54	u	u	NOUN
cjfa-16357	78	55	r	r	NOUN
cjfa-16357	78	56	c	c	NOUN
cjfa-16357	78	57	e	e	NOUN
cjfa-16357	78	58	:	:	PUNCT
cjfa-16357	78	59	aubry	aubry	PROPN
cjfa-16357	78	60	,	,	PUNCT
cjfa-16357	78	61	crawford	crawford	PROPN
cjfa-16357	78	62	,	,	PUNCT
cjfa-16357	78	63	munnell	munnell	PROPN
cjfa-16357	78	64	,	,	PUNCT
cjfa-16357	78	65	investment	investment	NOUN
cjfa-16357	78	66	returns	return	NOUN
cjfa-16357	78	67	:	:	PUNCT
cjfa-16357	78	68	defined	define	VERB
cjfa-16357	78	69	benefit	benefit	NOUN
cjfa-16357	78	70	vs.	vs.	ADP
cjfa-16357	78	71	defined	define	VERB
cjfa-16357	78	72	contribution	contribution	NOUN
cjfa-16357	78	73	plans	plan	NOUN
cjfa-16357	78	74	,	,	PUNCT
cjfa-16357	78	75	center	center	NOUN
cjfa-16357	78	76	for	for	ADP
cjfa-16357	78	77	retirement	retirement	NOUN
cjfa-16357	78	78	research	research	PROPN
cjfa-16357	78	79	boston	boston	PROPN
cjfa-16357	78	80	college	college	PROPN
cjfa-16357	78	81	,	,	PUNCT
cjfa-16357	78	82	2015	2015	NUM
cjfa-16357	78	83	,	,	PUNCT
cjfa-16357	78	84	p.	p.	NOUN
cjfa-16357	78	85	6	6	NUM
cjfa-16357	78	86	.	.	PUNCT
cjfa-16357	79	1	for	for	ADP
cjfa-16357	79	2	many	many	ADJ
cjfa-16357	79	3	years	year	NOUN
cjfa-16357	79	4	bonds	bond	NOUN
cjfa-16357	79	5	were	be	AUX
cjfa-16357	79	6	a	a	DET
cjfa-16357	79	7	key	key	ADJ
cjfa-16357	79	8	components	component	NOUN
cjfa-16357	79	9	of	of	ADP
cjfa-16357	79	10	retirement	retirement	NOUN
cjfa-16357	79	11	portfolios	portfolio	NOUN
cjfa-16357	79	12	.	.	PUNCT
cjfa-16357	80	1	considering	consider	VERB
cjfa-16357	80	2	goal	goal	NOUN
cjfa-16357	80	3	of	of	ADP
cjfa-16357	80	4	bringing	bring	VERB
cjfa-16357	80	5	income	income	NOUN
cjfa-16357	80	6	that	that	PRON
cjfa-16357	80	7	allows	allow	VERB
cjfa-16357	80	8	4–5	4–5	NUM
cjfa-16357	80	9	%	%	NOUN
cjfa-16357	80	10	annual	annual	ADJ
cjfa-16357	80	11	withdrawals	withdrawal	NOUN
cjfa-16357	80	12	during	during	ADP
cjfa-16357	80	13	retirement	retirement	NOUN
cjfa-16357	80	14	,	,	PUNCT
cjfa-16357	80	15	the	the	DET
cjfa-16357	80	16	bond	bond	NOUN
cjfa-16357	80	17	yields	yield	NOUN
cjfa-16357	80	18	were	be	AUX
cjfa-16357	80	19	a	a	DET
cjfa-16357	80	20	great	great	ADJ
cjfa-16357	80	21	and	and	CCONJ
cjfa-16357	80	22	safe	safe	ADJ
cjfa-16357	80	23	choice	choice	NOUN
cjfa-16357	80	24	until	until	ADP
cjfa-16357	80	25	2000	2000	NUM
cjfa-16357	80	26	,	,	PUNCT
cjfa-16357	80	27	when	when	SCONJ
cjfa-16357	80	28	interest	interest	NOUN
cjfa-16357	80	29	rates	rate	NOUN
cjfa-16357	80	30	started	start	VERB
cjfa-16357	80	31	falling	fall	VERB
cjfa-16357	80	32	.	.	PUNCT
cjfa-16357	81	1	today	today	NOUN
cjfa-16357	81	2	10	10	NUM
cjfa-16357	81	3	years	year	NOUN
cjfa-16357	81	4	us	us	PROPN
cjfa-16357	81	5	t	t	PROPN
cjfa-16357	81	6	-	-	PUNCT
cjfa-16357	81	7	bond	bond	NOUN
cjfa-16357	81	8	yield	yield	NOUN
cjfa-16357	81	9	does	do	AUX
cjfa-16357	81	10	n’t	not	PART
cjfa-16357	81	11	exceed	exceed	VERB
cjfa-16357	81	12	2	2	NUM
cjfa-16357	81	13	%	%	NOUN
cjfa-16357	81	14	.	.	PUNCT
cjfa-16357	82	1	what	what	PRON
cjfa-16357	82	2	is	be	AUX
cjfa-16357	82	3	more	more	ADJ
cjfa-16357	82	4	dividend	dividend	NOUN
cjfa-16357	82	5	yields	yield	NOUN
cjfa-16357	82	6	have	have	AUX
cjfa-16357	82	7	fallen	fall	VERB
cjfa-16357	82	8	to	to	ADP
cjfa-16357	82	9	as	as	ADV
cjfa-16357	82	10	low	low	ADJ
cjfa-16357	82	11	as	as	ADV
cjfa-16357	82	12	slightly	slightly	ADV
cjfa-16357	82	13	more	more	ADJ
cjfa-16357	82	14	than	than	ADP
cjfa-16357	82	15	2	2	NUM
cjfa-16357	82	16	%	%	NOUN
cjfa-16357	82	17	for	for	ADP
cjfa-16357	82	18	s&p	s&p	PROPN
cjfa-16357	82	19	500	500	NUM
cjfa-16357	82	20	index	index	NOUN
cjfa-16357	82	21	.	.	PUNCT
cjfa-16357	83	1	considering	consider	VERB
cjfa-16357	83	2	above	above	ADP
cjfa-16357	83	3	mentioned	mention	VERB
cjfa-16357	83	4	conditions	condition	NOUN
cjfa-16357	83	5	,	,	PUNCT
cjfa-16357	83	6	conservative	conservative	ADJ
cjfa-16357	83	7	retirement	retirement	NOUN
cjfa-16357	83	8	portfolio	portfolio	NOUN
cjfa-16357	83	9	based	base	VERB
cjfa-16357	83	10	on	on	ADP
cjfa-16357	83	11	bonds	bond	NOUN
cjfa-16357	83	12	and	and	CCONJ
cjfa-16357	83	13	dividend	dividend	NOUN
cjfa-16357	83	14	stocks	stock	NOUN
cjfa-16357	83	15	is	be	AUX
cjfa-16357	83	16	a	a	DET
cjfa-16357	83	17	good	good	ADJ
cjfa-16357	83	18	and	and	CCONJ
cjfa-16357	83	19	safe	safe	ADJ
cjfa-16357	83	20	solution	solution	NOUN
cjfa-16357	83	21	to	to	PART
cjfa-16357	83	22	preserve	preserve	VERB
cjfa-16357	83	23	the	the	DET
cjfa-16357	83	24	value	value	NOUN
cjfa-16357	83	25	of	of	ADP
cjfa-16357	83	26	capital	capital	NOUN
cjfa-16357	83	27	,	,	PUNCT
cjfa-16357	83	28	but	but	CCONJ
cjfa-16357	83	29	at	at	ADP
cjfa-16357	83	30	once	once	ADV
cjfa-16357	83	31	is	be	AUX
cjfa-16357	83	32	very	very	ADV
cjfa-16357	83	33	risky	risky	ADJ
cjfa-16357	83	34	in	in	ADP
cjfa-16357	83	35	terms	term	NOUN
cjfa-16357	83	36	of	of	ADP
cjfa-16357	83	37	income	income	NOUN
cjfa-16357	83	38	point	point	NOUN
cjfa-16357	83	39	of	of	ADP
cjfa-16357	83	40	view	view	NOUN
cjfa-16357	83	41	.	.	PUNCT
cjfa-16357	84	1	if	if	SCONJ
cjfa-16357	84	2	the	the	DET
cjfa-16357	84	3	goal	goal	NOUN
cjfa-16357	84	4	of	of	ADP
cjfa-16357	84	5	4–5	4–5	PROPN
cjfa-16357	84	6	%	%	NOUN
cjfa-16357	84	7	annual	annual	ADJ
cjfa-16357	84	8	withdrawals	withdrawal	NOUN
cjfa-16357	84	9	of	of	ADP
cjfa-16357	84	10	income	income	NOUN
cjfa-16357	84	11	during	during	ADP
cjfa-16357	84	12	retirement	retirement	NOUN
cjfa-16357	84	13	has	have	VERB
cjfa-16357	84	14	to	to	PART
cjfa-16357	84	15	be	be	AUX
cjfa-16357	84	16	reached	reach	VERB
cjfa-16357	84	17	,	,	PUNCT
cjfa-16357	84	18	we	we	PRON
cjfa-16357	84	19	should	should	AUX
cjfa-16357	84	20	look	look	VERB
cjfa-16357	84	21	for	for	ADP
cjfa-16357	84	22	other	other	ADJ
cjfa-16357	84	23	solutions	solution	NOUN
cjfa-16357	84	24	than	than	ADP
cjfa-16357	84	25	bond	bond	NOUN
cjfa-16357	84	26	and	and	CCONJ
cjfa-16357	84	27	dividend	dividend	NOUN
cjfa-16357	84	28	stocks	stock	NOUN
cjfa-16357	84	29	.	.	PUNCT
cjfa-16357	85	1	except	except	SCONJ
cjfa-16357	85	2	allocation	allocation	NOUN
cjfa-16357	85	3	of	of	ADP
cjfa-16357	85	4	assets	asset	NOUN
cjfa-16357	85	5	,	,	PUNCT
cjfa-16357	85	6	fees	fee	NOUN
cjfa-16357	85	7	are	be	AUX
cjfa-16357	85	8	other	other	ADJ
cjfa-16357	85	9	important	important	ADJ
cjfa-16357	85	10	factor	factor	NOUN
cjfa-16357	85	11	that	that	PRON
cjfa-16357	85	12	contributes	contribute	VERB
cjfa-16357	85	13	to	to	ADP
cjfa-16357	85	14	future	future	ADJ
cjfa-16357	85	15	retirement	retirement	NOUN
cjfa-16357	85	16	income	income	NOUN
cjfa-16357	85	17	.	.	PUNCT
cjfa-16357	86	1	to	to	PART
cjfa-16357	86	2	understand	understand	VERB
cjfa-16357	86	3	how	how	SCONJ
cjfa-16357	86	4	significant	significant	ADJ
cjfa-16357	86	5	is	be	AUX
cjfa-16357	86	6	an	an	DET
cjfa-16357	86	7	impact	impact	NOUN
cjfa-16357	86	8	of	of	ADP
cjfa-16357	86	9	fees	fee	NOUN
cjfa-16357	86	10	on	on	ADP
cjfa-16357	86	11	an	an	DET
cjfa-16357	86	12	individual	individual	ADJ
cjfa-16357	86	13	retirement	retirement	NOUN
cjfa-16357	86	14	it	it	PRON
cjfa-16357	86	15	’s	’	VERB
cjfa-16357	86	16	worth	worth	ADJ
cjfa-16357	86	17	to	to	PART
cjfa-16357	86	18	quote	quote	VERB
cjfa-16357	86	19	the	the	DET
cjfa-16357	86	20	example	example	NOUN
cjfa-16357	86	21	brought	bring	VERB
cjfa-16357	86	22	by	by	ADP
cjfa-16357	86	23	erkamil	erkamil	NOUN
cjfa-16357	86	24	nowak78	nowak78	NOUN
cjfa-16357	86	25	icskon	icskon	PROPN
cjfa-16357	86	26	and	and	CCONJ
cjfa-16357	86	27	madland	madland	NOUN
cjfa-16357	86	28	(	(	PUNCT
cjfa-16357	86	29	ericson	ericson	PROPN
cjfa-16357	86	30	&	&	CCONJ
cjfa-16357	86	31	madland	madland	PROPN
cjfa-16357	86	32	,	,	PUNCT
cjfa-16357	86	33	2014	2014	NUM
cjfa-16357	86	34	,	,	PUNCT
cjfa-16357	86	35	p.	p.	NOUN
cjfa-16357	86	36	1	1	NUM
cjfa-16357	86	37	)	)	PUNCT
cjfa-16357	86	38	,	,	PUNCT
cjfa-16357	86	39	which	which	PRON
cjfa-16357	86	40	demonstrates	demonstrate	VERB
cjfa-16357	86	41	how	how	SCONJ
cjfa-16357	86	42	small	small	ADJ
cjfa-16357	86	43	difference	difference	NOUN
cjfa-16357	86	44	in	in	ADP
cjfa-16357	86	45	fees	fee	NOUN
cjfa-16357	86	46	results	result	NOUN
cjfa-16357	86	47	in	in	ADP
cjfa-16357	86	48	significant	significant	ADJ
cjfa-16357	86	49	difference	difference	NOUN
cjfa-16357	86	50	in	in	ADP
cjfa-16357	86	51	future	future	ADJ
cjfa-16357	86	52	retirement	retirement	NOUN
cjfa-16357	86	53	.	.	PUNCT
cjfa-16357	87	1	figure	figure	NOUN
cjfa-16357	87	2	3	3	NUM
cjfa-16357	87	3	demonstrates	demonstrate	VERB
cjfa-16357	87	4	how	how	SCONJ
cjfa-16357	87	5	big	big	ADJ
cjfa-16357	87	6	can	can	AUX
cjfa-16357	87	7	be	be	AUX
cjfa-16357	87	8	a	a	DET
cjfa-16357	87	9	difference	difference	NOUN
cjfa-16357	87	10	between	between	ADP
cjfa-16357	87	11	funds	fund	NOUN
cjfa-16357	87	12	with	with	ADP
cjfa-16357	87	13	an	an	DET
cjfa-16357	87	14	expense	expense	NOUN
cjfa-16357	87	15	ratio	ratio	NOUN
cjfa-16357	87	16	0.25	0.25	NUM
cjfa-16357	87	17	%	%	NOUN
cjfa-16357	87	18	,	,	PUNCT
cjfa-16357	87	19	1	1	NUM
cjfa-16357	87	20	%	%	NOUN
cjfa-16357	87	21	and	and	CCONJ
cjfa-16357	87	22	1.3	1.3	NUM
cjfa-16357	87	23	%	%	NOUN
cjfa-16357	87	24	in	in	ADP
cjfa-16357	87	25	fees	fee	NOUN
cjfa-16357	87	26	paid	pay	VERB
cjfa-16357	87	27	over	over	ADP
cjfa-16357	87	28	a	a	DET
cjfa-16357	87	29	lifetime	lifetime	NOUN
cjfa-16357	87	30	by	by	ADP
cjfa-16357	87	31	25	25	NUM
cjfa-16357	87	32	years	year	NOUN
cjfa-16357	87	33	old	old	ADJ
cjfa-16357	87	34	employee	employee	NOUN
cjfa-16357	87	35	earning	earn	VERB
cjfa-16357	87	36	30,502	30,502	NUM
cjfa-16357	87	37	usd	usd	NOUN
cjfa-16357	87	38	(	(	PUNCT
cjfa-16357	87	39	which	which	PRON
cjfa-16357	87	40	is	be	AUX
cjfa-16357	87	41	a	a	DET
cjfa-16357	87	42	2014	2014	NUM
cjfa-16357	87	43	median	median	ADJ
cjfa-16357	87	44	salary	salary	NOUN
cjfa-16357	87	45	in	in	ADP
cjfa-16357	87	46	the	the	DET
cjfa-16357	87	47	us	us	PROPN
cjfa-16357	87	48	for	for	ADP
cjfa-16357	87	49	that	that	DET
cjfa-16357	87	50	age	age	NOUN
cjfa-16357	87	51	group	group	NOUN
cjfa-16357	87	52	)	)	PUNCT
cjfa-16357	87	53	and	and	CCONJ
cjfa-16357	87	54	an	an	DET
cjfa-16357	87	55	employee	employee	NOUN
cjfa-16357	87	56	earning	earn	VERB
cjfa-16357	87	57	75	75	NUM
cjfa-16357	87	58	000	000	NUM
cjfa-16357	87	59	usd	usd	NOUN
cjfa-16357	87	60	.	.	PUNCT
cjfa-16357	88	1	both	both	DET
cjfa-16357	88	2	individuals	individual	NOUN
cjfa-16357	88	3	contribute	contribute	VERB
cjfa-16357	88	4	5	5	NUM
cjfa-16357	88	5	%	%	NOUN
cjfa-16357	88	6	of	of	ADP
cjfa-16357	88	7	their	their	PRON
cjfa-16357	88	8	salary	salary	NOUN
cjfa-16357	88	9	which	which	PRON
cjfa-16357	88	10	is	be	AUX
cjfa-16357	88	11	matched	match	VERB
cjfa-16357	88	12	by	by	ADP
cjfa-16357	88	13	an	an	DET
cjfa-16357	88	14	equal	equal	ADJ
cjfa-16357	88	15	employer	employer	NOUN
cjfa-16357	88	16	contribution	contribution	NOUN
cjfa-16357	88	17	,	,	PUNCT
cjfa-16357	88	18	which	which	PRON
cjfa-16357	88	19	results	result	VERB
cjfa-16357	88	20	in	in	ADP
cjfa-16357	88	21	10	10	NUM
cjfa-16357	88	22	%	%	NOUN
cjfa-16357	88	23	.	.	PUNCT
cjfa-16357	89	1	as	as	SCONJ
cjfa-16357	89	2	it	it	PRON
cjfa-16357	89	3	can	can	AUX
cjfa-16357	89	4	be	be	AUX
cjfa-16357	89	5	seen	see	VERB
cjfa-16357	89	6	from	from	ADP
cjfa-16357	89	7	the	the	DET
cjfa-16357	89	8	figure	figure	NOUN
cjfa-16357	89	9	the	the	DET
cjfa-16357	89	10	difference	difference	NOUN
cjfa-16357	89	11	can	can	AUX
cjfa-16357	89	12	be	be	AUX
cjfa-16357	89	13	as	as	ADV
cjfa-16357	89	14	high	high	ADJ
cjfa-16357	89	15	as	as	ADP
cjfa-16357	89	16	124	124	NUM
cjfa-16357	89	17	000	000	NUM
cjfa-16357	89	18	usd	usd	NOUN
cjfa-16357	89	19	for	for	ADP
cjfa-16357	89	20	an	an	DET
cjfa-16357	89	21	employee	employee	NOUN
cjfa-16357	89	22	with	with	ADP
cjfa-16357	89	23	a	a	DET
cjfa-16357	89	24	median	median	ADJ
cjfa-16357	89	25	salary	salary	NOUN
cjfa-16357	89	26	and	and	CCONJ
cjfa-16357	89	27	as	as	ADV
cjfa-16357	89	28	high	high	ADJ
cjfa-16357	89	29	as	as	ADP
cjfa-16357	89	30	300	300	NUM
cjfa-16357	89	31	000	000	NUM
cjfa-16357	89	32	usd	usd	NOUN
cjfa-16357	89	33	for	for	ADP
cjfa-16357	89	34	the	the	DET
cjfa-16357	89	35	employee	employee	NOUN
cjfa-16357	89	36	earning	earn	VERB
cjfa-16357	89	37	75	75	NUM
cjfa-16357	89	38	000	000	NUM
cjfa-16357	89	39	usd	usd	NOUN
cjfa-16357	89	40	.	.	PUNCT
cjfa-16357	90	1	if	if	SCONJ
cjfa-16357	90	2	impact	impact	NOUN
cjfa-16357	90	3	of	of	ADP
cjfa-16357	90	4	the	the	DET
cjfa-16357	90	5	fees	fee	NOUN
cjfa-16357	90	6	on	on	ADP
cjfa-16357	90	7	future	future	ADJ
cjfa-16357	90	8	retirement	retirement	NOUN
cjfa-16357	90	9	is	be	AUX
cjfa-16357	90	10	so	so	ADV
cjfa-16357	90	11	substantial	substantial	ADJ
cjfa-16357	90	12	,	,	PUNCT
cjfa-16357	90	13	it	it	PRON
cjfa-16357	90	14	’s	’	VERB
cjfa-16357	90	15	definitely	definitely	ADV
cjfa-16357	90	16	worth	worth	ADJ
cjfa-16357	90	17	to	to	PART
cjfa-16357	90	18	look	look	VERB
cjfa-16357	90	19	for	for	ADP
cjfa-16357	90	20	low	low	ADJ
cjfa-16357	90	21	cost	cost	NOUN
cjfa-16357	90	22	retirement	retirement	NOUN
cjfa-16357	90	23	solutions	solution	NOUN
cjfa-16357	90	24	.	.	PUNCT
cjfa-16357	91	1	the	the	DET
cjfa-16357	91	2	main	main	ADJ
cjfa-16357	91	3	goal	goal	NOUN
cjfa-16357	91	4	of	of	ADP
cjfa-16357	91	5	this	this	DET
cjfa-16357	91	6	paper	paper	NOUN
cjfa-16357	91	7	is	be	AUX
cjfa-16357	91	8	to	to	PART
cjfa-16357	91	9	look	look	VERB
cjfa-16357	91	10	for	for	ADP
cjfa-16357	91	11	new	new	ADJ
cjfa-16357	91	12	low	low	ADJ
cjfa-16357	91	13	cost	cost	NOUN
cjfa-16357	91	14	,	,	PUNCT
cjfa-16357	91	15	performing	perform	VERB
cjfa-16357	91	16	well	well	ADV
cjfa-16357	91	17	in	in	ADP
cjfa-16357	91	18	a	a	DET
cjfa-16357	91	19	long	long	ADJ
cjfa-16357	91	20	run	run	NOUN
cjfa-16357	91	21	funds	fund	NOUN
cjfa-16357	91	22	,	,	PUNCT
cjfa-16357	91	23	that	that	PRON
cjfa-16357	91	24	can	can	AUX
cjfa-16357	91	25	be	be	AUX
cjfa-16357	91	26	used	use	VERB
cjfa-16357	91	27	as	as	ADP
cjfa-16357	91	28	a	a	DET
cjfa-16357	91	29	core	core	NOUN
cjfa-16357	91	30	of	of	ADP
cjfa-16357	91	31	retirement	retirement	NOUN
cjfa-16357	91	32	portfolios	portfolio	NOUN
cjfa-16357	91	33	.	.	PUNCT
cjfa-16357	92	1	figure	figure	VERB
cjfa-16357	92	2	3	3	NUM
cjfa-16357	92	3	.	.	PUNCT
cjfa-16357	92	4	total	total	ADJ
cjfa-16357	92	5	fees	fee	NOUN
cjfa-16357	92	6	paid	pay	VERB
cjfa-16357	92	7	over	over	ADP
cjfa-16357	92	8	lifetime	lifetime	NOUN
cjfa-16357	92	9	by	by	ADP
cjfa-16357	92	10	average	average	ADJ
cjfa-16357	92	11	employees	employee	NOUN
cjfa-16357	92	12	matched	match	VERB
cjfa-16357	92	13	by	by	ADP
cjfa-16357	92	14	an	an	DET
cjfa-16357	92	15	equal	equal	ADJ
cjfa-16357	92	16	employer	employer	NOUN
cjfa-16357	92	17	contribution	contribution	NOUN
cjfa-16357	92	18	,	,	PUNCT
cjfa-16357	92	19	which	which	PRON
cjfa-16357	92	20	results	result	VERB
cjfa-16357	92	21	in	in	ADP
cjfa-16357	92	22	10	10	NUM
cjfa-16357	92	23	%	%	NOUN
cjfa-16357	92	24	.	.	PUNCT
cjfa-16357	93	1	as	as	SCONJ
cjfa-16357	93	2	it	it	PRON
cjfa-16357	93	3	can	can	AUX
cjfa-16357	93	4	be	be	AUX
cjfa-16357	93	5	seen	see	VERB
cjfa-16357	93	6	from	from	ADP
cjfa-16357	93	7	the	the	DET
cjfa-16357	93	8	figure	figure	NOUN
cjfa-16357	93	9	the	the	DET
cjfa-16357	93	10	difference	difference	NOUN
cjfa-16357	93	11	can	can	AUX
cjfa-16357	93	12	be	be	AUX
cjfa-16357	93	13	as	as	ADV
cjfa-16357	93	14	high	high	ADJ
cjfa-16357	93	15	as	as	ADP
cjfa-16357	93	16	124	124	NUM
cjfa-16357	93	17	000	000	NUM
cjfa-16357	93	18	usd	usd	NOUN
cjfa-16357	93	19	for	for	ADP
cjfa-16357	93	20	an	an	DET
cjfa-16357	93	21	employee	employee	NOUN
cjfa-16357	93	22	with	with	ADP
cjfa-16357	93	23	a	a	DET
cjfa-16357	93	24	median	median	ADJ
cjfa-16357	93	25	salary	salary	NOUN
cjfa-16357	93	26	and	and	CCONJ
cjfa-16357	93	27	as	as	ADV
cjfa-16357	93	28	high	high	ADJ
cjfa-16357	93	29	as	as	ADP
cjfa-16357	93	30	300	300	NUM
cjfa-16357	93	31	000	000	NUM
cjfa-16357	93	32	usd	usd	NOUN
cjfa-16357	93	33	for	for	ADP
cjfa-16357	93	34	the	the	DET
cjfa-16357	93	35	employee	employee	NOUN
cjfa-16357	93	36	earning	earn	VERB
cjfa-16357	93	37	75	75	NUM
cjfa-16357	93	38	000	000	NUM
cjfa-16357	93	39	usd	usd	NOUN
cjfa-16357	93	40	.	.	PUNCT
cjfa-16357	94	1	if	if	SCONJ
cjfa-16357	94	2	impact	impact	NOUN
cjfa-16357	94	3	of	of	ADP
cjfa-16357	94	4	the	the	DET
cjfa-16357	94	5	fees	fee	NOUN
cjfa-16357	94	6	on	on	ADP
cjfa-16357	94	7	future	future	ADJ
cjfa-16357	94	8	retirement	retirement	NOUN
cjfa-16357	94	9	is	be	AUX
cjfa-16357	94	10	so	so	ADV
cjfa-16357	94	11	substantial	substantial	ADJ
cjfa-16357	94	12	,	,	PUNCT
cjfa-16357	94	13	it	it	PRON
cjfa-16357	94	14	’s	’	VERB
cjfa-16357	94	15	definitely	definitely	ADV
cjfa-16357	94	16	worth	worth	ADJ
cjfa-16357	94	17	to	to	PART
cjfa-16357	94	18	look	look	VERB
cjfa-16357	94	19	for	for	ADP
cjfa-16357	94	20	low	low	ADJ
cjfa-16357	94	21	cost	cost	NOUN
cjfa-16357	94	22	retirement	retirement	NOUN
cjfa-16357	94	23	solutions	solution	NOUN
cjfa-16357	94	24	.	.	PUNCT
cjfa-16357	95	1	the	the	DET
cjfa-16357	95	2	main	main	ADJ
cjfa-16357	95	3	goal	goal	NOUN
cjfa-16357	95	4	of	of	ADP
cjfa-16357	95	5	this	this	DET
cjfa-16357	95	6	paper	paper	NOUN
cjfa-16357	95	7	is	be	AUX
cjfa-16357	95	8	to	to	PART
cjfa-16357	95	9	look	look	VERB
cjfa-16357	95	10	for	for	ADP
cjfa-16357	95	11	new	new	ADJ
cjfa-16357	95	12	low	low	ADJ
cjfa-16357	95	13	cost	cost	NOUN
cjfa-16357	95	14	,	,	PUNCT
cjfa-16357	95	15	performing	perform	VERB
cjfa-16357	95	16	well	well	ADV
cjfa-16357	95	17	in	in	ADP
cjfa-16357	95	18	a	a	DET
cjfa-16357	95	19	long	long	ADJ
cjfa-16357	95	20	run	run	NOUN
cjfa-16357	95	21	funds	fund	NOUN
cjfa-16357	95	22	,	,	PUNCT
cjfa-16357	95	23	that	that	PRON
cjfa-16357	95	24	can	can	AUX
cjfa-16357	95	25	be	be	AUX
cjfa-16357	95	26	used	use	VERB
cjfa-16357	95	27	as	as	ADP
cjfa-16357	95	28	a	a	DET
cjfa-16357	95	29	core	core	NOUN
cjfa-16357	95	30	of	of	ADP
cjfa-16357	95	31	retirement	retirement	NOUN
cjfa-16357	95	32	portfolios	portfolio	NOUN
cjfa-16357	95	33	.	.	PUNCT
cjfa-16357	96	1	figure	figure	VERB
cjfa-16357	96	2	3	3	NUM
cjfa-16357	96	3	.	.	PUNCT
cjfa-16357	96	4	total	total	ADJ
cjfa-16357	96	5	fees	fee	NOUN
cjfa-16357	96	6	paid	pay	VERB
cjfa-16357	96	7	over	over	ADP
cjfa-16357	96	8	lifetime	lifetime	NOUN
cjfa-16357	96	9	by	by	ADP
cjfa-16357	96	10	average	average	ADJ
cjfa-16357	96	11	employees	employee	NOUN
cjfa-16357	96	12	source	source	NOUN
cjfa-16357	96	13	:	:	PUNCT
cjfa-16357	96	14	author	author	NOUN
cjfa-16357	96	15	’s	’s	PART
cjfa-16357	96	16	own	own	ADJ
cjfa-16357	96	17	elaboration	elaboration	NOUN
cjfa-16357	96	18	based	base	VERB
cjfa-16357	96	19	on	on	ADP
cjfa-16357	96	20	:	:	PUNCT
cjfa-16357	96	21	erickson	erickson	PROPN
cjfa-16357	96	22	,	,	PUNCT
cjfa-16357	96	23	madland	madland	PROPN
cjfa-16357	96	24	,	,	PUNCT
cjfa-16357	96	25	fixing	fix	VERB
cjfa-16357	96	26	the	the	DET
cjfa-16357	96	27	drain	drain	NOUN
cjfa-16357	96	28	on	on	ADP
cjfa-16357	96	29	retirement	retirement	NOUN
cjfa-16357	96	30	savings	saving	NOUN
cjfa-16357	96	31	,	,	PUNCT
cjfa-16357	96	32	center	center	NOUN
cjfa-16357	96	33	of	of	ADP
cjfa-16357	96	34	american	american	ADJ
cjfa-16357	96	35	progress	progress	NOUN
cjfa-16357	96	36	,	,	PUNCT
cjfa-16357	96	37	2014	2014	NUM
cjfa-16357	96	38	.	.	PUNCT
cjfa-16357	97	1	literature	literature	NOUN
cjfa-16357	97	2	review	review	PROPN
cjfa-16357	97	3	exchange	exchange	NOUN
cjfa-16357	97	4	traded	trade	VERB
cjfa-16357	97	5	funds	fund	NOUN
cjfa-16357	97	6	have	have	VERB
cjfa-16357	97	7	rather	rather	ADV
cjfa-16357	97	8	a	a	DET
cjfa-16357	97	9	brief	brief	ADJ
cjfa-16357	97	10	history	history	NOUN
cjfa-16357	97	11	.	.	PUNCT
cjfa-16357	98	1	first	first	ADJ
cjfa-16357	98	2	significant	significant	ADJ
cjfa-16357	98	3	studies	study	NOUN
cjfa-16357	98	4	can	can	AUX
cjfa-16357	98	5	be	be	AUX
cjfa-16357	98	6	dated	date	VERB
cjfa-16357	98	7	on	on	ADP
cjfa-16357	98	8	first	first	ADJ
cjfa-16357	98	9	decade	decade	NOUN
cjfa-16357	98	10	of	of	ADP
cjfa-16357	98	11	21st	21st	ADJ
cjfa-16357	98	12	century	century	NOUN
cjfa-16357	98	13	.	.	PUNCT
cjfa-16357	99	1	etf	etf	NOUN
cjfa-16357	99	2	’s	’s	PART
cjfa-16357	99	3	definition	definition	NOUN
cjfa-16357	99	4	,	,	PUNCT
cjfa-16357	99	5	description	description	NOUN
cjfa-16357	99	6	and	and	CCONJ
cjfa-16357	99	7	advantages	advantage	NOUN
cjfa-16357	99	8	were	be	AUX
cjfa-16357	99	9	demonstrated	demonstrate	VERB
cjfa-16357	99	10	by	by	ADP
cjfa-16357	99	11	bernstein	bernstein	PROPN
cjfa-16357	99	12	(	(	PUNCT
cjfa-16357	99	13	bernstein	bernstein	PROPN
cjfa-16357	99	14	,	,	PUNCT
cjfa-16357	99	15	2001	2001	NUM
cjfa-16357	99	16	)	)	PUNCT
cjfa-16357	99	17	and	and	CCONJ
cjfa-16357	99	18	gastineau	gastineau	PROPN
cjfa-16357	99	19	(	(	PUNCT
cjfa-16357	99	20	gastineau	gastineau	PROPN
cjfa-16357	99	21	,	,	PUNCT
cjfa-16357	99	22	2001	2001	NUM
cjfa-16357	99	23	)	)	PUNCT
cjfa-16357	99	24	,	,	PUNCT
cjfa-16357	99	25	who	who	PRON
cjfa-16357	99	26	described	describe	VERB
cjfa-16357	99	27	their	their	PRON
cjfa-16357	99	28	main	main	ADJ
cjfa-16357	99	29	types	type	NOUN
cjfa-16357	99	30	and	and	CCONJ
cjfa-16357	99	31	investigated	investigate	VERB
cjfa-16357	99	32	how	how	SCONJ
cjfa-16357	99	33	the	the	DET
cjfa-16357	99	34	operate	operate	NOUN
cjfa-16357	99	35	.	.	PUNCT
cjfa-16357	100	1	one	one	NUM
cjfa-16357	100	2	of	of	ADP
cjfa-16357	100	3	the	the	DET
cjfa-16357	100	4	first	first	ADJ
cjfa-16357	100	5	comparisons	comparison	NOUN
cjfa-16357	100	6	of	of	ADP
cjfa-16357	100	7	etfs	etfs	PROPN
cjfa-16357	100	8	and	and	CCONJ
cjfa-16357	100	9	traditional	traditional	ADJ
cjfa-16357	100	10	mutual	mutual	ADJ
cjfa-16357	100	11	funds	fund	NOUN
cjfa-16357	100	12	was	be	AUX
cjfa-16357	100	13	provided	provide	VERB
cjfa-16357	100	14	by	by	ADP
cjfa-16357	100	15	dellva	dellva	NOUN
cjfa-16357	100	16	(	(	PUNCT
cjfa-16357	100	17	dellva	dellva	NOUN
cjfa-16357	100	18	,	,	PUNCT
cjfa-16357	100	19	2001	2001	NUM
cjfa-16357	100	20	)	)	PUNCT
cjfa-16357	100	21	.	.	PUNCT
cjfa-16357	101	1	he	he	PRON
cjfa-16357	101	2	presented	present	VERB
cjfa-16357	101	3	cost	cost	NOUN
cjfa-16357	101	4	benefits	benefit	NOUN
cjfa-16357	101	5	of	of	ADP
cjfa-16357	101	6	etfs	etfs	PROPN
cjfa-16357	101	7	.	.	PUNCT
cjfa-16357	102	1	tax	tax	NOUN
cjfa-16357	102	2	advantages	advantage	NOUN
cjfa-16357	102	3	were	be	AUX
cjfa-16357	102	4	studied	study	VERB
cjfa-16357	102	5	by	by	ADP
cjfa-16357	102	6	poterba	poterba	NOUN
cjfa-16357	102	7	nad	nad	NOUN
cjfa-16357	102	8	shoven	shoven	NOUN
cjfa-16357	102	9	(	(	PUNCT
cjfa-16357	102	10	shoven	shoven	ADJ
cjfa-16357	102	11	,	,	PUNCT
cjfa-16357	102	12	2002	2002	NUM
cjfa-16357	102	13	)	)	PUNCT
cjfa-16357	102	14	,	,	PUNCT
cjfa-16357	102	15	who	who	PRON
cjfa-16357	102	16	compared	compare	VERB
cjfa-16357	102	17	pre	pre	NOUN
cjfa-16357	102	18	and	and	CCONJ
cjfa-16357	102	19	after	after	ADP
cjfa-16357	102	20	tax	tax	NOUN
cjfa-16357	102	21	returns	return	NOUN
cjfa-16357	102	22	of	of	ADP
cjfa-16357	102	23	popular	popular	ADJ
cjfa-16357	102	24	index	index	NOUN
cjfa-16357	102	25	funds	fund	NOUN
cjfa-16357	102	26	.	.	PUNCT
cjfa-16357	103	1	kostovetsky	kostovetsky	PROPN
cjfa-16357	103	2	broadly	broadly	ADV
cjfa-16357	103	3	compared	compare	VERB
cjfa-16357	103	4	etfs	etfs	PROPN
cjfa-16357	103	5	and	and	CCONJ
cjfa-16357	103	6	mutual	mutual	ADJ
cjfa-16357	103	7	funds	fund	NOUN
cjfa-16357	103	8	by	by	ADP
cjfa-16357	103	9	confronting	confront	VERB
cjfa-16357	103	10	their	their	PRON
cjfa-16357	103	11	returns	return	NOUN
cjfa-16357	103	12	,	,	PUNCT
cjfa-16357	103	13	transaction	transaction	NOUN
cjfa-16357	103	14	costs	cost	NOUN
cjfa-16357	103	15	and	and	CCONJ
cjfa-16357	103	16	expenses	expense	NOUN
cjfa-16357	103	17	and	and	CCONJ
cjfa-16357	103	18	tax	tax	NOUN
cjfa-16357	103	19	efficiency	efficiency	NOUN
cjfa-16357	103	20	(	(	PUNCT
cjfa-16357	103	21	kostovetsky	kostovetsky	NOUN
cjfa-16357	103	22	,	,	PUNCT
cjfa-16357	103	23	2003	2003	NUM
cjfa-16357	103	24	)	)	PUNCT
cjfa-16357	103	25	.	.	PUNCT
cjfa-16357	104	1	since	since	SCONJ
cjfa-16357	104	2	literature	literature	NOUN
cjfa-16357	104	3	offers	offer	VERB
cjfa-16357	104	4	wide	wide	ADJ
cjfa-16357	104	5	range	range	NOUN
cjfa-16357	104	6	of	of	ADP
cjfa-16357	104	7	positions	position	NOUN
cjfa-16357	104	8	touching	touch	VERB
cjfa-16357	104	9	etf	etf	NOUN
cjfa-16357	104	10	topic	topic	NOUN
cjfa-16357	104	11	,	,	PUNCT
cjfa-16357	104	12	selection	selection	NOUN
cjfa-16357	104	13	of	of	ADP
cjfa-16357	104	14	digital	digital	ADJ
cjfa-16357	104	15	advisory	advisory	ADJ
cjfa-16357	104	16	studies	study	NOUN
cjfa-16357	104	17	is	be	AUX
cjfa-16357	104	18	rather	rather	ADV
cjfa-16357	104	19	poor	poor	ADJ
cjfa-16357	104	20	.	.	PUNCT
cjfa-16357	105	1	roboadvisory	roboadvisory	ADJ
cjfa-16357	105	2	is	be	AUX
cjfa-16357	105	3	a	a	DET
cjfa-16357	105	4	recent	recent	ADJ
cjfa-16357	105	5	phenomenon	phenomenon	NOUN
cjfa-16357	105	6	,	,	PUNCT
cjfa-16357	105	7	that	that	PRON
cjfa-16357	105	8	is	be	AUX
cjfa-16357	105	9	why	why	SCONJ
cjfa-16357	105	10	not	not	PART
cjfa-16357	105	11	many	many	ADJ
cjfa-16357	105	12	researches	research	NOUN
cjfa-16357	105	13	can	can	AUX
cjfa-16357	105	14	be	be	AUX
cjfa-16357	105	15	found	find	VERB
cjfa-16357	105	16	.	.	PUNCT
cjfa-16357	106	1	fein	fein	PROPN
cjfa-16357	106	2	provided	provide	VERB
cjfa-16357	106	3	an	an	DET
cjfa-16357	106	4	analysis	analysis	NOUN
cjfa-16357	106	5	of	of	ADP
cjfa-16357	106	6	robo	robo	NOUN
cjfa-16357	106	7	-	-	PUNCT
cjfa-16357	106	8	advisors	advisor	NOUN
cjfa-16357	106	9	fiduciary	fiduciary	ADJ
cjfa-16357	106	10	standars	standar	NOUN
cjfa-16357	106	11	.	.	PUNCT
cjfa-16357	107	1	advantages	advantage	NOUN
cjfa-16357	107	2	of	of	ADP
cjfa-16357	107	3	digital	digital	ADJ
cjfa-16357	107	4	advisory	advisory	NOUN
cjfa-16357	107	5	were	be	AUX
cjfa-16357	107	6	discussed	discuss	VERB
cjfa-16357	107	7	by	by	ADP
cjfa-16357	107	8	dapp	dapp	NOUN
cjfa-16357	107	9	(	(	PUNCT
cjfa-16357	107	10	dapp	dapp	NOUN
cjfa-16357	107	11	,	,	PUNCT
cjfa-16357	107	12	2016	2016	NUM
cjfa-16357	107	13	)	)	PUNCT
cjfa-16357	107	14	.	.	PUNCT
cjfa-16357	108	1	impact	impact	NOUN
cjfa-16357	108	2	of	of	ADP
cjfa-16357	108	3	recent	recent	ADJ
cjfa-16357	108	4	fintech	fintech	NOUN
cjfa-16357	108	5	innovations	innovation	NOUN
cjfa-16357	108	6	on	on	ADP
cjfa-16357	108	7	asset	asset	NOUN
cjfa-16357	108	8	management	management	NOUN
cjfa-16357	108	9	and	and	CCONJ
cjfa-16357	108	10	banking	banking	NOUN
cjfa-16357	108	11	business	business	NOUN
cjfa-16357	108	12	was	be	AUX
cjfa-16357	108	13	examined	examine	VERB
cjfa-16357	108	14	by	by	ADP
cjfa-16357	108	15	sironi	sironi	PROPN
cjfa-16357	108	16	(	(	PUNCT
cjfa-16357	108	17	sironi	sironi	PROPN
cjfa-16357	108	18	,	,	PUNCT
cjfa-16357	108	19	2016	2016	NUM
cjfa-16357	108	20	)	)	PUNCT
cjfa-16357	108	21	.	.	PUNCT
cjfa-16357	109	1	digital	digital	ADJ
cjfa-16357	109	2	$	$	SYM
cjfa-16357	109	3	42	42	NUM
cjfa-16357	109	4	309	309	NUM
cjfa-16357	109	5	$	$	SYM
cjfa-16357	109	6	138	138	NUM
cjfa-16357	109	7	336	336	NUM
cjfa-16357	109	8	$	$	SYM
cjfa-16357	109	9	166	166	NUM
cjfa-16357	109	10	420	420	NUM
cjfa-16357	109	11	$	$	SYM
cjfa-16357	109	12	0	0	NUM
cjfa-16357	109	13	$	$	SYM
cjfa-16357	109	14	50	50	NUM
cjfa-16357	109	15	000	000	NUM
cjfa-16357	109	16	$	$	SYM
cjfa-16357	109	17	100	100	NUM
cjfa-16357	109	18	000	000	NUM
cjfa-16357	109	19	$	$	SYM
cjfa-16357	109	20	150	150	NUM
cjfa-16357	109	21	000	000	NUM
cjfa-16357	109	22	$	$	SYM
cjfa-16357	109	23	200	200	NUM
cjfa-16357	109	24	000	000	NUM
cjfa-16357	109	25	0,25	0,25	NUM
cjfa-16357	109	26	%	%	NOUN
cjfa-16357	109	27	1,00	1,00	NUM
cjfa-16357	109	28	%	%	NOUN
cjfa-16357	109	29	1,30	1,30	NUM
cjfa-16357	109	30	%	%	NOUN
cjfa-16357	109	31	salary	salary	NOUN
cjfa-16357	109	32	when	when	SCONJ
cjfa-16357	109	33	worker	worker	NOUN
cjfa-16357	109	34	starts	start	VERB
cjfa-16357	109	35	saving	save	VERB
cjfa-16357	109	36	at	at	ADP
cjfa-16357	109	37	age	age	NOUN
cjfa-16357	109	38	25	25	NUM
cjfa-16357	109	39	:	:	PUNCT
cjfa-16357	109	40	$	$	SYM
cjfa-16357	109	41	30,502	30,502	NUM
cjfa-16357	109	42	$	$	SYM
cjfa-16357	109	43	104	104	NUM
cjfa-16357	109	44	033	033	NUM
cjfa-16357	109	45	$	$	SYM
cjfa-16357	109	46	343	343	NUM
cjfa-16357	109	47	147	147	NUM
cjfa-16357	109	48	$	$	SYM
cjfa-16357	109	49	409	409	NUM
cjfa-16357	109	50	202	202	NUM
cjfa-16357	109	51	$	$	SYM
cjfa-16357	109	52	0	0	NUM
cjfa-16357	109	53	$	$	SYM
cjfa-16357	109	54	100	100	NUM
cjfa-16357	109	55	000	000	NUM
cjfa-16357	109	56	$	$	SYM
cjfa-16357	109	57	200	200	NUM
cjfa-16357	109	58	000	000	NUM
cjfa-16357	109	59	$	$	SYM
cjfa-16357	109	60	300	300	NUM
cjfa-16357	109	61	000	000	NUM
cjfa-16357	109	62	$	$	SYM
cjfa-16357	109	63	400	400	NUM
cjfa-16357	109	64	000	000	NUM
cjfa-16357	109	65	$	$	SYM
cjfa-16357	109	66	500	500	NUM
cjfa-16357	109	67	000	000	NUM
cjfa-16357	109	68	0,25	0,25	NUM
cjfa-16357	109	69	%	%	NOUN
cjfa-16357	109	70	1,00	1,00	NUM
cjfa-16357	109	71	%	%	NOUN
cjfa-16357	109	72	1,30	1,30	NUM
cjfa-16357	109	73	%	%	NOUN
cjfa-16357	109	74	salary	salary	NOUN
cjfa-16357	109	75	when	when	SCONJ
cjfa-16357	109	76	worker	worker	NOUN
cjfa-16357	109	77	starts	start	VERB
cjfa-16357	109	78	saving	save	VERB
cjfa-16357	109	79	at	at	ADP
cjfa-16357	109	80	age	age	NOUN
cjfa-16357	109	81	25	25	NUM
cjfa-16357	109	82	:	:	PUNCT
cjfa-16357	109	83	$	$	SYM
cjfa-16357	109	84	75,000	75,000	NUM
cjfa-16357	109	85	matched	match	VERB
cjfa-16357	109	86	by	by	ADP
cjfa-16357	109	87	an	an	DET
cjfa-16357	109	88	equal	equal	ADJ
cjfa-16357	109	89	employer	employer	NOUN
cjfa-16357	109	90	contribution	contribution	NOUN
cjfa-16357	109	91	,	,	PUNCT
cjfa-16357	109	92	which	which	PRON
cjfa-16357	109	93	results	result	VERB
cjfa-16357	109	94	in	in	ADP
cjfa-16357	109	95	10	10	NUM
cjfa-16357	109	96	%	%	NOUN
cjfa-16357	109	97	.	.	PUNCT
cjfa-16357	110	1	as	as	SCONJ
cjfa-16357	110	2	it	it	PRON
cjfa-16357	110	3	can	can	AUX
cjfa-16357	110	4	be	be	AUX
cjfa-16357	110	5	seen	see	VERB
cjfa-16357	110	6	from	from	ADP
cjfa-16357	110	7	the	the	DET
cjfa-16357	110	8	figure	figure	NOUN
cjfa-16357	110	9	the	the	DET
cjfa-16357	110	10	difference	difference	NOUN
cjfa-16357	110	11	can	can	AUX
cjfa-16357	110	12	be	be	AUX
cjfa-16357	110	13	as	as	ADV
cjfa-16357	110	14	high	high	ADJ
cjfa-16357	110	15	as	as	ADP
cjfa-16357	110	16	124	124	NUM
cjfa-16357	110	17	000	000	NUM
cjfa-16357	110	18	usd	usd	NOUN
cjfa-16357	110	19	for	for	ADP
cjfa-16357	110	20	an	an	DET
cjfa-16357	110	21	employee	employee	NOUN
cjfa-16357	110	22	with	with	ADP
cjfa-16357	110	23	a	a	DET
cjfa-16357	110	24	median	median	ADJ
cjfa-16357	110	25	salary	salary	NOUN
cjfa-16357	110	26	and	and	CCONJ
cjfa-16357	110	27	as	as	ADV
cjfa-16357	110	28	high	high	ADJ
cjfa-16357	110	29	as	as	ADP
cjfa-16357	110	30	300	300	NUM
cjfa-16357	110	31	000	000	NUM
cjfa-16357	110	32	usd	usd	NOUN
cjfa-16357	110	33	for	for	ADP
cjfa-16357	110	34	the	the	DET
cjfa-16357	110	35	employee	employee	NOUN
cjfa-16357	110	36	earning	earn	VERB
cjfa-16357	110	37	75	75	NUM
cjfa-16357	110	38	000	000	NUM
cjfa-16357	110	39	usd	usd	NOUN
cjfa-16357	110	40	.	.	PUNCT
cjfa-16357	111	1	if	if	SCONJ
cjfa-16357	111	2	impact	impact	NOUN
cjfa-16357	111	3	of	of	ADP
cjfa-16357	111	4	the	the	DET
cjfa-16357	111	5	fees	fee	NOUN
cjfa-16357	111	6	on	on	ADP
cjfa-16357	111	7	future	future	ADJ
cjfa-16357	111	8	retirement	retirement	NOUN
cjfa-16357	111	9	is	be	AUX
cjfa-16357	111	10	so	so	ADV
cjfa-16357	111	11	substantial	substantial	ADJ
cjfa-16357	111	12	,	,	PUNCT
cjfa-16357	111	13	it	it	PRON
cjfa-16357	111	14	’s	’	VERB
cjfa-16357	111	15	definitely	definitely	ADV
cjfa-16357	111	16	worth	worth	ADJ
cjfa-16357	111	17	to	to	PART
cjfa-16357	111	18	look	look	VERB
cjfa-16357	111	19	for	for	ADP
cjfa-16357	111	20	low	low	ADJ
cjfa-16357	111	21	cost	cost	NOUN
cjfa-16357	111	22	retirement	retirement	NOUN
cjfa-16357	111	23	solutions	solution	NOUN
cjfa-16357	111	24	.	.	PUNCT
cjfa-16357	112	1	the	the	DET
cjfa-16357	112	2	main	main	ADJ
cjfa-16357	112	3	goal	goal	NOUN
cjfa-16357	112	4	of	of	ADP
cjfa-16357	112	5	this	this	DET
cjfa-16357	112	6	paper	paper	NOUN
cjfa-16357	112	7	is	be	AUX
cjfa-16357	112	8	to	to	PART
cjfa-16357	112	9	look	look	VERB
cjfa-16357	112	10	for	for	ADP
cjfa-16357	112	11	new	new	ADJ
cjfa-16357	112	12	low	low	ADJ
cjfa-16357	112	13	cost	cost	NOUN
cjfa-16357	112	14	,	,	PUNCT
cjfa-16357	112	15	performing	perform	VERB
cjfa-16357	112	16	well	well	ADV
cjfa-16357	112	17	in	in	ADP
cjfa-16357	112	18	a	a	DET
cjfa-16357	112	19	long	long	ADJ
cjfa-16357	112	20	run	run	NOUN
cjfa-16357	112	21	funds	fund	NOUN
cjfa-16357	112	22	,	,	PUNCT
cjfa-16357	112	23	that	that	PRON
cjfa-16357	112	24	can	can	AUX
cjfa-16357	112	25	be	be	AUX
cjfa-16357	112	26	used	use	VERB
cjfa-16357	112	27	as	as	ADP
cjfa-16357	112	28	a	a	DET
cjfa-16357	112	29	core	core	NOUN
cjfa-16357	112	30	of	of	ADP
cjfa-16357	112	31	retirement	retirement	NOUN
cjfa-16357	112	32	portfolios	portfolio	NOUN
cjfa-16357	112	33	.	.	PUNCT
cjfa-16357	113	1	figure	figure	VERB
cjfa-16357	113	2	3	3	NUM
cjfa-16357	113	3	.	.	PUNCT
cjfa-16357	113	4	total	total	ADJ
cjfa-16357	113	5	fees	fee	NOUN
cjfa-16357	113	6	paid	pay	VERB
cjfa-16357	113	7	over	over	ADP
cjfa-16357	113	8	lifetime	lifetime	NOUN
cjfa-16357	113	9	by	by	ADP
cjfa-16357	113	10	average	average	ADJ
cjfa-16357	113	11	employees	employee	NOUN
cjfa-16357	113	12	source	source	NOUN
cjfa-16357	113	13	:	:	PUNCT
cjfa-16357	113	14	author	author	NOUN
cjfa-16357	113	15	’s	’s	PART
cjfa-16357	113	16	own	own	ADJ
cjfa-16357	113	17	elaboration	elaboration	NOUN
cjfa-16357	113	18	based	base	VERB
cjfa-16357	113	19	on	on	ADP
cjfa-16357	113	20	:	:	PUNCT
cjfa-16357	113	21	erickson	erickson	PROPN
cjfa-16357	113	22	,	,	PUNCT
cjfa-16357	113	23	madland	madland	PROPN
cjfa-16357	113	24	,	,	PUNCT
cjfa-16357	113	25	fixing	fix	VERB
cjfa-16357	113	26	the	the	DET
cjfa-16357	113	27	drain	drain	NOUN
cjfa-16357	113	28	on	on	ADP
cjfa-16357	113	29	retirement	retirement	NOUN
cjfa-16357	113	30	savings	saving	NOUN
cjfa-16357	113	31	,	,	PUNCT
cjfa-16357	113	32	center	center	NOUN
cjfa-16357	113	33	of	of	ADP
cjfa-16357	113	34	american	american	ADJ
cjfa-16357	113	35	progress	progress	NOUN
cjfa-16357	113	36	,	,	PUNCT
cjfa-16357	113	37	2014	2014	NUM
cjfa-16357	113	38	.	.	PUNCT
cjfa-16357	114	1	literature	literature	NOUN
cjfa-16357	114	2	review	review	PROPN
cjfa-16357	114	3	exchange	exchange	NOUN
cjfa-16357	114	4	traded	trade	VERB
cjfa-16357	114	5	funds	fund	NOUN
cjfa-16357	114	6	have	have	VERB
cjfa-16357	114	7	rather	rather	ADV
cjfa-16357	114	8	a	a	DET
cjfa-16357	114	9	brief	brief	ADJ
cjfa-16357	114	10	history	history	NOUN
cjfa-16357	114	11	.	.	PUNCT
cjfa-16357	115	1	first	first	ADJ
cjfa-16357	115	2	significant	significant	ADJ
cjfa-16357	115	3	studies	study	NOUN
cjfa-16357	115	4	can	can	AUX
cjfa-16357	115	5	be	be	AUX
cjfa-16357	115	6	dated	date	VERB
cjfa-16357	115	7	on	on	ADP
cjfa-16357	115	8	first	first	ADJ
cjfa-16357	115	9	decade	decade	NOUN
cjfa-16357	115	10	of	of	ADP
cjfa-16357	115	11	21st	21st	ADJ
cjfa-16357	115	12	century	century	NOUN
cjfa-16357	115	13	.	.	PUNCT
cjfa-16357	116	1	etf	etf	NOUN
cjfa-16357	116	2	’s	’s	PART
cjfa-16357	116	3	definition	definition	NOUN
cjfa-16357	116	4	,	,	PUNCT
cjfa-16357	116	5	description	description	NOUN
cjfa-16357	116	6	and	and	CCONJ
cjfa-16357	116	7	advantages	advantage	NOUN
cjfa-16357	116	8	were	be	AUX
cjfa-16357	116	9	demonstrated	demonstrate	VERB
cjfa-16357	116	10	by	by	ADP
cjfa-16357	116	11	bernstein	bernstein	PROPN
cjfa-16357	116	12	(	(	PUNCT
cjfa-16357	116	13	bernstein	bernstein	PROPN
cjfa-16357	116	14	,	,	PUNCT
cjfa-16357	116	15	2001	2001	NUM
cjfa-16357	116	16	)	)	PUNCT
cjfa-16357	116	17	and	and	CCONJ
cjfa-16357	116	18	gastineau	gastineau	PROPN
cjfa-16357	116	19	(	(	PUNCT
cjfa-16357	116	20	gastineau	gastineau	PROPN
cjfa-16357	116	21	,	,	PUNCT
cjfa-16357	116	22	2001	2001	NUM
cjfa-16357	116	23	)	)	PUNCT
cjfa-16357	116	24	,	,	PUNCT
cjfa-16357	116	25	who	who	PRON
cjfa-16357	116	26	described	describe	VERB
cjfa-16357	116	27	their	their	PRON
cjfa-16357	116	28	main	main	ADJ
cjfa-16357	116	29	types	type	NOUN
cjfa-16357	116	30	and	and	CCONJ
cjfa-16357	116	31	investigated	investigate	VERB
cjfa-16357	116	32	how	how	SCONJ
cjfa-16357	116	33	the	the	DET
cjfa-16357	116	34	operate	operate	NOUN
cjfa-16357	116	35	.	.	PUNCT
cjfa-16357	117	1	one	one	NUM
cjfa-16357	117	2	of	of	ADP
cjfa-16357	117	3	the	the	DET
cjfa-16357	117	4	first	first	ADJ
cjfa-16357	117	5	comparisons	comparison	NOUN
cjfa-16357	117	6	of	of	ADP
cjfa-16357	117	7	etfs	etfs	PROPN
cjfa-16357	117	8	and	and	CCONJ
cjfa-16357	117	9	traditional	traditional	ADJ
cjfa-16357	117	10	mutual	mutual	ADJ
cjfa-16357	117	11	funds	fund	NOUN
cjfa-16357	117	12	was	be	AUX
cjfa-16357	117	13	provided	provide	VERB
cjfa-16357	117	14	by	by	ADP
cjfa-16357	117	15	dellva	dellva	NOUN
cjfa-16357	117	16	(	(	PUNCT
cjfa-16357	117	17	dellva	dellva	NOUN
cjfa-16357	117	18	,	,	PUNCT
cjfa-16357	117	19	2001	2001	NUM
cjfa-16357	117	20	)	)	PUNCT
cjfa-16357	117	21	.	.	PUNCT
cjfa-16357	118	1	he	he	PRON
cjfa-16357	118	2	presented	present	VERB
cjfa-16357	118	3	cost	cost	NOUN
cjfa-16357	118	4	benefits	benefit	NOUN
cjfa-16357	118	5	of	of	ADP
cjfa-16357	118	6	etfs	etfs	PROPN
cjfa-16357	118	7	.	.	PUNCT
cjfa-16357	119	1	tax	tax	NOUN
cjfa-16357	119	2	advantages	advantage	NOUN
cjfa-16357	119	3	were	be	AUX
cjfa-16357	119	4	studied	study	VERB
cjfa-16357	119	5	by	by	ADP
cjfa-16357	119	6	poterba	poterba	NOUN
cjfa-16357	119	7	nad	nad	NOUN
cjfa-16357	119	8	shoven	shoven	NOUN
cjfa-16357	119	9	(	(	PUNCT
cjfa-16357	119	10	shoven	shoven	ADJ
cjfa-16357	119	11	,	,	PUNCT
cjfa-16357	119	12	2002	2002	NUM
cjfa-16357	119	13	)	)	PUNCT
cjfa-16357	119	14	,	,	PUNCT
cjfa-16357	119	15	who	who	PRON
cjfa-16357	119	16	compared	compare	VERB
cjfa-16357	119	17	pre	pre	NOUN
cjfa-16357	119	18	and	and	CCONJ
cjfa-16357	119	19	after	after	ADP
cjfa-16357	119	20	tax	tax	NOUN
cjfa-16357	119	21	returns	return	NOUN
cjfa-16357	119	22	of	of	ADP
cjfa-16357	119	23	popular	popular	ADJ
cjfa-16357	119	24	index	index	NOUN
cjfa-16357	119	25	funds	fund	NOUN
cjfa-16357	119	26	.	.	PUNCT
cjfa-16357	120	1	kostovetsky	kostovetsky	PROPN
cjfa-16357	120	2	broadly	broadly	ADV
cjfa-16357	120	3	compared	compare	VERB
cjfa-16357	120	4	etfs	etfs	PROPN
cjfa-16357	120	5	and	and	CCONJ
cjfa-16357	120	6	mutual	mutual	ADJ
cjfa-16357	120	7	funds	fund	NOUN
cjfa-16357	120	8	by	by	ADP
cjfa-16357	120	9	confronting	confront	VERB
cjfa-16357	120	10	their	their	PRON
cjfa-16357	120	11	returns	return	NOUN
cjfa-16357	120	12	,	,	PUNCT
cjfa-16357	120	13	transaction	transaction	NOUN
cjfa-16357	120	14	costs	cost	NOUN
cjfa-16357	120	15	and	and	CCONJ
cjfa-16357	120	16	expenses	expense	NOUN
cjfa-16357	120	17	and	and	CCONJ
cjfa-16357	120	18	tax	tax	NOUN
cjfa-16357	120	19	efficiency	efficiency	NOUN
cjfa-16357	120	20	(	(	PUNCT
cjfa-16357	120	21	kostovetsky	kostovetsky	NOUN
cjfa-16357	120	22	,	,	PUNCT
cjfa-16357	120	23	2003	2003	NUM
cjfa-16357	120	24	)	)	PUNCT
cjfa-16357	120	25	.	.	PUNCT
cjfa-16357	121	1	since	since	SCONJ
cjfa-16357	121	2	literature	literature	NOUN
cjfa-16357	121	3	offers	offer	VERB
cjfa-16357	121	4	wide	wide	ADJ
cjfa-16357	121	5	range	range	NOUN
cjfa-16357	121	6	of	of	ADP
cjfa-16357	121	7	positions	position	NOUN
cjfa-16357	121	8	touching	touch	VERB
cjfa-16357	121	9	etf	etf	NOUN
cjfa-16357	121	10	topic	topic	NOUN
cjfa-16357	121	11	,	,	PUNCT
cjfa-16357	121	12	selection	selection	NOUN
cjfa-16357	121	13	of	of	ADP
cjfa-16357	121	14	digital	digital	ADJ
cjfa-16357	121	15	advisory	advisory	ADJ
cjfa-16357	121	16	studies	study	NOUN
cjfa-16357	121	17	is	be	AUX
cjfa-16357	121	18	rather	rather	ADV
cjfa-16357	121	19	poor	poor	ADJ
cjfa-16357	121	20	.	.	PUNCT
cjfa-16357	122	1	roboadvisory	roboadvisory	ADJ
cjfa-16357	122	2	is	be	AUX
cjfa-16357	122	3	a	a	DET
cjfa-16357	122	4	recent	recent	ADJ
cjfa-16357	122	5	phenomenon	phenomenon	NOUN
cjfa-16357	122	6	,	,	PUNCT
cjfa-16357	122	7	that	that	PRON
cjfa-16357	122	8	is	be	AUX
cjfa-16357	122	9	why	why	SCONJ
cjfa-16357	122	10	not	not	PART
cjfa-16357	122	11	many	many	ADJ
cjfa-16357	122	12	researches	research	NOUN
cjfa-16357	122	13	can	can	AUX
cjfa-16357	122	14	be	be	AUX
cjfa-16357	122	15	found	find	VERB
cjfa-16357	122	16	.	.	PUNCT
cjfa-16357	123	1	fein	fein	PROPN
cjfa-16357	123	2	provided	provide	VERB
cjfa-16357	123	3	an	an	DET
cjfa-16357	123	4	analysis	analysis	NOUN
cjfa-16357	123	5	of	of	ADP
cjfa-16357	123	6	robo	robo	NOUN
cjfa-16357	123	7	-	-	PUNCT
cjfa-16357	123	8	advisors	advisor	NOUN
cjfa-16357	123	9	fiduciary	fiduciary	ADJ
cjfa-16357	123	10	standars	standar	NOUN
cjfa-16357	123	11	.	.	PUNCT
cjfa-16357	124	1	advantages	advantage	NOUN
cjfa-16357	124	2	of	of	ADP
cjfa-16357	124	3	digital	digital	ADJ
cjfa-16357	124	4	advisory	advisory	NOUN
cjfa-16357	124	5	were	be	AUX
cjfa-16357	124	6	discussed	discuss	VERB
cjfa-16357	124	7	by	by	ADP
cjfa-16357	124	8	dapp	dapp	NOUN
cjfa-16357	124	9	(	(	PUNCT
cjfa-16357	124	10	dapp	dapp	NOUN
cjfa-16357	124	11	,	,	PUNCT
cjfa-16357	124	12	2016	2016	NUM
cjfa-16357	124	13	)	)	PUNCT
cjfa-16357	124	14	.	.	PUNCT
cjfa-16357	125	1	impact	impact	NOUN
cjfa-16357	125	2	of	of	ADP
cjfa-16357	125	3	recent	recent	ADJ
cjfa-16357	125	4	fintech	fintech	NOUN
cjfa-16357	125	5	innovations	innovation	NOUN
cjfa-16357	125	6	on	on	ADP
cjfa-16357	125	7	asset	asset	NOUN
cjfa-16357	125	8	management	management	NOUN
cjfa-16357	125	9	and	and	CCONJ
cjfa-16357	125	10	banking	banking	NOUN
cjfa-16357	125	11	business	business	NOUN
cjfa-16357	125	12	was	be	AUX
cjfa-16357	125	13	examined	examine	VERB
cjfa-16357	125	14	by	by	ADP
cjfa-16357	125	15	sironi	sironi	PROPN
cjfa-16357	125	16	(	(	PUNCT
cjfa-16357	125	17	sironi	sironi	PROPN
cjfa-16357	125	18	,	,	PUNCT
cjfa-16357	125	19	2016	2016	NUM
cjfa-16357	125	20	)	)	PUNCT
cjfa-16357	125	21	.	.	PUNCT
cjfa-16357	126	1	digital	digital	ADJ
cjfa-16357	126	2	$	$	SYM
cjfa-16357	126	3	42	42	NUM
cjfa-16357	126	4	309	309	NUM
cjfa-16357	126	5	$	$	SYM
cjfa-16357	126	6	138	138	NUM
cjfa-16357	126	7	336	336	NUM
cjfa-16357	126	8	$	$	SYM
cjfa-16357	126	9	166	166	NUM
cjfa-16357	126	10	420	420	NUM
cjfa-16357	126	11	$	$	SYM
cjfa-16357	126	12	0	0	NUM
cjfa-16357	126	13	$	$	SYM
cjfa-16357	126	14	50	50	NUM
cjfa-16357	126	15	000	000	NUM
cjfa-16357	126	16	$	$	SYM
cjfa-16357	126	17	100	100	NUM
cjfa-16357	126	18	000	000	NUM
cjfa-16357	126	19	$	$	SYM
cjfa-16357	126	20	150	150	NUM
cjfa-16357	126	21	000	000	NUM
cjfa-16357	126	22	$	$	SYM
cjfa-16357	126	23	200	200	NUM
cjfa-16357	126	24	000	000	NUM
cjfa-16357	126	25	0,25	0,25	NUM
cjfa-16357	126	26	%	%	NOUN
cjfa-16357	126	27	1,00	1,00	NUM
cjfa-16357	126	28	%	%	NOUN
cjfa-16357	126	29	1,30	1,30	NUM
cjfa-16357	126	30	%	%	NOUN
cjfa-16357	126	31	salary	salary	NOUN
cjfa-16357	126	32	when	when	SCONJ
cjfa-16357	126	33	worker	worker	NOUN
cjfa-16357	126	34	starts	start	VERB
cjfa-16357	126	35	saving	save	VERB
cjfa-16357	126	36	at	at	ADP
cjfa-16357	126	37	age	age	NOUN
cjfa-16357	126	38	25	25	NUM
cjfa-16357	126	39	:	:	PUNCT
cjfa-16357	126	40	$	$	SYM
cjfa-16357	126	41	30,502	30,502	NUM
cjfa-16357	126	42	$	$	SYM
cjfa-16357	126	43	104	104	NUM
cjfa-16357	126	44	033	033	NUM
cjfa-16357	126	45	$	$	SYM
cjfa-16357	126	46	343	343	NUM
cjfa-16357	126	47	147	147	NUM
cjfa-16357	126	48	$	$	SYM
cjfa-16357	126	49	409	409	NUM
cjfa-16357	126	50	202	202	NUM
cjfa-16357	126	51	$	$	SYM
cjfa-16357	126	52	0	0	NUM
cjfa-16357	126	53	$	$	SYM
cjfa-16357	126	54	100	100	NUM
cjfa-16357	126	55	000	000	NUM
cjfa-16357	126	56	$	$	SYM
cjfa-16357	126	57	200	200	NUM
cjfa-16357	126	58	000	000	NUM
cjfa-16357	126	59	$	$	SYM
cjfa-16357	126	60	300	300	NUM
cjfa-16357	126	61	000	000	NUM
cjfa-16357	126	62	$	$	SYM
cjfa-16357	126	63	400	400	NUM
cjfa-16357	126	64	000	000	NUM
cjfa-16357	126	65	$	$	SYM
cjfa-16357	126	66	500	500	NUM
cjfa-16357	126	67	000	000	NUM
cjfa-16357	126	68	0,25	0,25	NUM
cjfa-16357	126	69	%	%	NOUN
cjfa-16357	126	70	1,00	1,00	NUM
cjfa-16357	126	71	%	%	NOUN
cjfa-16357	126	72	1,30	1,30	NUM
cjfa-16357	126	73	%	%	NOUN
cjfa-16357	126	74	salary	salary	NOUN
cjfa-16357	126	75	when	when	SCONJ
cjfa-16357	126	76	worker	worker	NOUN
cjfa-16357	126	77	starts	start	VERB
cjfa-16357	126	78	saving	save	VERB
cjfa-16357	126	79	at	at	ADP
cjfa-16357	126	80	age	age	NOUN
cjfa-16357	126	81	25	25	NUM
cjfa-16357	126	82	:	:	PUNCT
cjfa-16357	126	83	$	$	SYM
cjfa-16357	126	84	75,000	75,000	NUM
cjfa-16357	126	85	s	s	NOUN
cjfa-16357	126	86	o	o	NOUN
cjfa-16357	126	87	u	u	NOUN
cjfa-16357	126	88	r	r	NOUN
cjfa-16357	126	89	c	c	NOUN
cjfa-16357	126	90	e	e	NOUN
cjfa-16357	126	91	:	:	PUNCT
cjfa-16357	126	92	author	author	NOUN
cjfa-16357	126	93	’s	’s	PART
cjfa-16357	126	94	own	own	ADJ
cjfa-16357	126	95	elaboration	elaboration	NOUN
cjfa-16357	126	96	based	base	VERB
cjfa-16357	126	97	on	on	ADP
cjfa-16357	126	98	:	:	PUNCT
cjfa-16357	126	99	erickson	erickson	PROPN
cjfa-16357	126	100	,	,	PUNCT
cjfa-16357	126	101	madland	madland	PROPN
cjfa-16357	126	102	,	,	PUNCT
cjfa-16357	126	103	fixing	fix	VERB
cjfa-16357	126	104	the	the	DET
cjfa-16357	126	105	drain	drain	NOUN
cjfa-16357	126	106	on	on	ADP
cjfa-16357	126	107	retirement	retirement	NOUN
cjfa-16357	126	108	savings	saving	NOUN
cjfa-16357	126	109	,	,	PUNCT
cjfa-16357	126	110	center	center	NOUN
cjfa-16357	126	111	of	of	ADP
cjfa-16357	126	112	american	american	ADJ
cjfa-16357	126	113	progress	progress	NOUN
cjfa-16357	126	114	,	,	PUNCT
cjfa-16357	126	115	2014	2014	NUM
cjfa-16357	126	116	,	,	PUNCT
cjfa-16357	126	117	p.	p.	NOUN
cjfa-16357	126	118	3	3	NUM
cjfa-16357	126	119	.	.	PUNCT
cjfa-16357	126	120	literature	literature	PROPN
cjfa-16357	126	121	review	review	PROPN
cjfa-16357	126	122	exchange	exchange	NOUN
cjfa-16357	126	123	traded	trade	VERB
cjfa-16357	126	124	funds	fund	NOUN
cjfa-16357	126	125	have	have	VERB
cjfa-16357	126	126	rather	rather	ADV
cjfa-16357	126	127	a	a	DET
cjfa-16357	126	128	brief	brief	ADJ
cjfa-16357	126	129	history	history	NOUN
cjfa-16357	126	130	.	.	PUNCT
cjfa-16357	127	1	first	first	ADJ
cjfa-16357	127	2	significant	significant	ADJ
cjfa-16357	127	3	studies	study	NOUN
cjfa-16357	127	4	can	can	AUX
cjfa-16357	127	5	be	be	AUX
cjfa-16357	127	6	dated	date	VERB
cjfa-16357	127	7	on	on	ADP
cjfa-16357	127	8	first	first	ADJ
cjfa-16357	127	9	decade	decade	NOUN
cjfa-16357	127	10	of	of	ADP
cjfa-16357	127	11	21st	21st	ADJ
cjfa-16357	127	12	century	century	NOUN
cjfa-16357	127	13	.	.	PUNCT
cjfa-16357	128	1	etf	etf	NOUN
cjfa-16357	128	2	’s	’s	PART
cjfa-16357	128	3	definition	definition	NOUN
cjfa-16357	128	4	,	,	PUNCT
cjfa-16357	128	5	description	description	NOUN
cjfa-16357	128	6	and	and	CCONJ
cjfa-16357	128	7	advantages	advantage	NOUN
cjfa-16357	128	8	were	be	AUX
cjfa-16357	128	9	demonstrated	demonstrate	VERB
cjfa-16357	128	10	by	by	ADP
cjfa-16357	128	11	bernstein	bernstein	PROPN
cjfa-16357	128	12	(	(	PUNCT
cjfa-16357	128	13	bernstein	bernstein	PROPN
cjfa-16357	128	14	&	&	CCONJ
cjfa-16357	128	15	phyllis	phyllis	PROPN
cjfa-16357	128	16	,	,	PUNCT
cjfa-16357	128	17	2002	2002	NUM
cjfa-16357	128	18	,	,	PUNCT
cjfa-16357	128	19	p.	p.	NOUN
cjfa-16357	128	20	39	39	NUM
cjfa-16357	128	21	)	)	PUNCT
cjfa-16357	128	22	and	and	CCONJ
cjfa-16357	128	23	gastineau	gastineau	PROPN
cjfa-16357	128	24	(	(	PUNCT
cjfa-16357	128	25	gastineau	gastineau	PROPN
cjfa-16357	128	26	,	,	PUNCT
cjfa-16357	128	27	2001	2001	NUM
cjfa-16357	128	28	)	)	PUNCT
cjfa-16357	128	29	,	,	PUNCT
cjfa-16357	128	30	who	who	PRON
cjfa-16357	128	31	described	describe	VERB
cjfa-16357	128	32	their	their	PRON
cjfa-16357	128	33	main	main	ADJ
cjfa-16357	128	34	types	type	NOUN
cjfa-16357	128	35	and	and	CCONJ
cjfa-16357	128	36	investigated	investigate	VERB
cjfa-16357	128	37	how	how	SCONJ
cjfa-16357	128	38	the	the	DET
cjfa-16357	128	39	operate	operate	NOUN
cjfa-16357	128	40	.	.	PUNCT
cjfa-16357	129	1	one	one	NUM
cjfa-16357	129	2	of	of	ADP
cjfa-16357	129	3	the	the	DET
cjfa-16357	129	4	first	first	ADJ
cjfa-16357	129	5	comparisons	comparison	NOUN
cjfa-16357	129	6	of	of	ADP
cjfa-16357	129	7	etfs	etfs	PROPN
cjfa-16357	129	8	and	and	CCONJ
cjfa-16357	129	9	traditional	traditional	ADJ
cjfa-16357	129	10	mutual	mutual	ADJ
cjfa-16357	129	11	funds	fund	NOUN
cjfa-16357	129	12	was	be	AUX
cjfa-16357	129	13	provided	provide	VERB
cjfa-16357	129	14	by	by	ADP
cjfa-16357	129	15	dellva	dellva	NOUN
cjfa-16357	129	16	(	(	PUNCT
cjfa-16357	129	17	dellva	dellva	NOUN
cjfa-16357	129	18	,	,	PUNCT
cjfa-16357	129	19	2001	2001	NUM
cjfa-16357	129	20	)	)	PUNCT
cjfa-16357	129	21	.	.	PUNCT
cjfa-16357	130	1	he	he	PRON
cjfa-16357	130	2	presented	present	VERB
cjfa-16357	130	3	cost	cost	NOUN
cjfa-16357	130	4	benefits	benefit	NOUN
cjfa-16357	130	5	of	of	ADP
cjfa-16357	130	6	etfs	etfs	PROPN
cjfa-16357	130	7	.	.	PUNCT
cjfa-16357	131	1	tax	tax	NOUN
cjfa-16357	131	2	advantages	advantage	NOUN
cjfa-16357	131	3	were	be	AUX
cjfa-16357	131	4	studied	study	VERB
cjfa-16357	131	5	by	by	ADP
cjfa-16357	131	6	poterba	poterba	NOUN
cjfa-16357	131	7	nad	nad	NOUN
cjfa-16357	131	8	shoven	shoven	NOUN
cjfa-16357	131	9	(	(	PUNCT
cjfa-16357	131	10	poterba	poterba	NOUN
cjfa-16357	131	11	&	&	CCONJ
cjfa-16357	131	12	shoven	shoven	ADJ
cjfa-16357	131	13	,	,	PUNCT
cjfa-16357	131	14	low	low	ADJ
cjfa-16357	131	15	cost	cost	NOUN
cjfa-16357	131	16	retirement	retirement	NOUN
cjfa-16357	131	17	solutions	solution	NOUN
cjfa-16357	131	18	based	base	VERB
cjfa-16357	131	19	on	on	ADP
cjfa-16357	131	20	robo	robo	NOUN
cjfa-16357	131	21	-	-	PUNCT
cjfa-16357	131	22	advisors	advisor	NOUN
cjfa-16357	131	23	…	…	PUNCT
cjfa-16357	131	24	79	79	NUM
cjfa-16357	131	25	2002	2002	NUM
cjfa-16357	131	26	)	)	PUNCT
cjfa-16357	131	27	,	,	PUNCT
cjfa-16357	131	28	who	who	PRON
cjfa-16357	131	29	compared	compare	VERB
cjfa-16357	131	30	pre	pre	NOUN
cjfa-16357	131	31	and	and	CCONJ
cjfa-16357	131	32	after	after	ADP
cjfa-16357	131	33	tax	tax	NOUN
cjfa-16357	131	34	returns	return	NOUN
cjfa-16357	131	35	of	of	ADP
cjfa-16357	131	36	popular	popular	ADJ
cjfa-16357	131	37	index	index	NOUN
cjfa-16357	131	38	funds	fund	NOUN
cjfa-16357	131	39	.	.	PUNCT
cjfa-16357	132	1	kostovetsky	kostovetsky	PROPN
cjfa-16357	132	2	broadly	broadly	ADV
cjfa-16357	132	3	compared	compare	VERB
cjfa-16357	132	4	etfs	etfs	PROPN
cjfa-16357	132	5	and	and	CCONJ
cjfa-16357	132	6	mutual	mutual	ADJ
cjfa-16357	132	7	funds	fund	NOUN
cjfa-16357	132	8	by	by	ADP
cjfa-16357	132	9	confronting	confront	VERB
cjfa-16357	132	10	their	their	PRON
cjfa-16357	132	11	returns	return	NOUN
cjfa-16357	132	12	,	,	PUNCT
cjfa-16357	132	13	transaction	transaction	NOUN
cjfa-16357	132	14	costs	cost	NOUN
cjfa-16357	132	15	and	and	CCONJ
cjfa-16357	132	16	expenses	expense	NOUN
cjfa-16357	132	17	and	and	CCONJ
cjfa-16357	132	18	tax	tax	NOUN
cjfa-16357	132	19	efficiency	efficiency	NOUN
cjfa-16357	132	20	(	(	PUNCT
cjfa-16357	132	21	kostovetsky	kostovetsky	NOUN
cjfa-16357	132	22	,	,	PUNCT
cjfa-16357	132	23	2003	2003	NUM
cjfa-16357	132	24	)	)	PUNCT
cjfa-16357	132	25	.	.	PUNCT
cjfa-16357	133	1	since	since	SCONJ
cjfa-16357	133	2	literature	literature	NOUN
cjfa-16357	133	3	offers	offer	VERB
cjfa-16357	133	4	wide	wide	ADJ
cjfa-16357	133	5	range	range	NOUN
cjfa-16357	133	6	of	of	ADP
cjfa-16357	133	7	positions	position	NOUN
cjfa-16357	133	8	touching	touch	VERB
cjfa-16357	133	9	etf	etf	NOUN
cjfa-16357	133	10	topic	topic	NOUN
cjfa-16357	133	11	,	,	PUNCT
cjfa-16357	133	12	selection	selection	NOUN
cjfa-16357	133	13	of	of	ADP
cjfa-16357	133	14	digital	digital	ADJ
cjfa-16357	133	15	advisory	advisory	ADJ
cjfa-16357	133	16	studies	study	NOUN
cjfa-16357	133	17	is	be	AUX
cjfa-16357	133	18	rather	rather	ADV
cjfa-16357	133	19	poor	poor	ADJ
cjfa-16357	133	20	.	.	PUNCT
cjfa-16357	134	1	robo	robo	NOUN
cjfa-16357	134	2	-	-	PUNCT
cjfa-16357	134	3	advisory	advisory	NOUN
cjfa-16357	134	4	is	be	AUX
cjfa-16357	134	5	a	a	DET
cjfa-16357	134	6	recent	recent	ADJ
cjfa-16357	134	7	phenomenon	phenomenon	NOUN
cjfa-16357	134	8	,	,	PUNCT
cjfa-16357	134	9	that	that	PRON
cjfa-16357	134	10	is	be	AUX
cjfa-16357	134	11	why	why	SCONJ
cjfa-16357	134	12	not	not	PART
cjfa-16357	134	13	many	many	ADJ
cjfa-16357	134	14	researches	research	NOUN
cjfa-16357	134	15	can	can	AUX
cjfa-16357	134	16	be	be	AUX
cjfa-16357	134	17	found	find	VERB
cjfa-16357	134	18	.	.	PUNCT
cjfa-16357	135	1	fein	fein	PROPN
cjfa-16357	135	2	provided	provide	VERB
cjfa-16357	135	3	an	an	DET
cjfa-16357	135	4	analysis	analysis	NOUN
cjfa-16357	135	5	of	of	ADP
cjfa-16357	135	6	robo	robo	NOUN
cjfa-16357	135	7	-	-	PUNCT
cjfa-16357	135	8	advisors	advisor	NOUN
cjfa-16357	135	9	fiduciary	fiduciary	ADJ
cjfa-16357	135	10	standars	standar	NOUN
cjfa-16357	135	11	.	.	PUNCT
cjfa-16357	136	1	advantages	advantage	NOUN
cjfa-16357	136	2	of	of	ADP
cjfa-16357	136	3	digital	digital	ADJ
cjfa-16357	136	4	advisory	advisory	NOUN
cjfa-16357	136	5	were	be	AUX
cjfa-16357	136	6	discussed	discuss	VERB
cjfa-16357	136	7	by	by	ADP
cjfa-16357	136	8	dapp	dapp	NOUN
cjfa-16357	136	9	(	(	PUNCT
cjfa-16357	136	10	dapp	dapp	NOUN
cjfa-16357	136	11	,	,	PUNCT
cjfa-16357	136	12	2016	2016	NUM
cjfa-16357	136	13	)	)	PUNCT
cjfa-16357	136	14	.	.	PUNCT
cjfa-16357	137	1	impact	impact	NOUN
cjfa-16357	137	2	of	of	ADP
cjfa-16357	137	3	recent	recent	ADJ
cjfa-16357	137	4	fintech	fintech	NOUN
cjfa-16357	137	5	innovations	innovation	NOUN
cjfa-16357	137	6	on	on	ADP
cjfa-16357	137	7	asset	asset	NOUN
cjfa-16357	137	8	management	management	NOUN
cjfa-16357	137	9	and	and	CCONJ
cjfa-16357	137	10	banking	banking	NOUN
cjfa-16357	137	11	business	business	NOUN
cjfa-16357	137	12	was	be	AUX
cjfa-16357	137	13	examined	examine	VERB
cjfa-16357	137	14	by	by	ADP
cjfa-16357	137	15	sironi	sironi	PROPN
cjfa-16357	137	16	(	(	PUNCT
cjfa-16357	137	17	sironi	sironi	PROPN
cjfa-16357	137	18	,	,	PUNCT
cjfa-16357	137	19	2016	2016	NUM
cjfa-16357	137	20	)	)	PUNCT
cjfa-16357	137	21	.	.	PUNCT
cjfa-16357	138	1	digital	digital	ADJ
cjfa-16357	138	2	advisory	advisory	ADJ
cjfa-16357	138	3	business	business	NOUN
cjfa-16357	138	4	overview	overview	NOUN
cjfa-16357	138	5	can	can	AUX
cjfa-16357	138	6	be	be	AUX
cjfa-16357	138	7	found	find	VERB
cjfa-16357	138	8	in	in	ADP
cjfa-16357	138	9	numerous	numerous	ADJ
cjfa-16357	138	10	reports	report	NOUN
cjfa-16357	138	11	prepared	prepare	VERB
cjfa-16357	138	12	by	by	ADP
cjfa-16357	138	13	major	major	ADJ
cjfa-16357	138	14	consulting	consulting	NOUN
cjfa-16357	138	15	companies	company	NOUN
cjfa-16357	138	16	,	,	PUNCT
cjfa-16357	138	17	like	like	ADP
cjfa-16357	138	18	infosys	infosy	NOUN
cjfa-16357	138	19	,	,	PUNCT
cjfa-16357	138	20	which	which	PRON
cjfa-16357	138	21	predicts	predict	VERB
cjfa-16357	138	22	120	120	NUM
cjfa-16357	138	23	%	%	NOUN
cjfa-16357	138	24	annual	annual	ADJ
cjfa-16357	138	25	asset	asset	NOUN
cjfa-16357	138	26	growth	growth	NOUN
cjfa-16357	138	27	,	,	PUNCT
cjfa-16357	138	28	accenture	accenture	NOUN
cjfa-16357	138	29	sees	see	VERB
cjfa-16357	138	30	a	a	DET
cjfa-16357	138	31	pressure	pressure	NOUN
cjfa-16357	138	32	put	put	VERB
cjfa-16357	138	33	on	on	ADP
cjfa-16357	138	34	traditional	traditional	ADJ
cjfa-16357	138	35	advisors	advisor	NOUN
cjfa-16357	138	36	to	to	PART
cjfa-16357	138	37	lower	lower	VERB
cjfa-16357	138	38	their	their	PRON
cjfa-16357	138	39	fees	fee	NOUN
cjfa-16357	138	40	a	a	DET
cjfa-16357	138	41	result	result	NOUN
cjfa-16357	138	42	of	of	ADP
cjfa-16357	138	43	robo	robo	NOUN
cjfa-16357	138	44	-	-	PUNCT
cjfa-16357	138	45	advisory	advisory	ADJ
cjfa-16357	138	46	growing	grow	VERB
cjfa-16357	138	47	popularity	popularity	NOUN
cjfa-16357	138	48	.	.	PUNCT
cjfa-16357	139	1	while	while	SCONJ
cjfa-16357	139	2	finextra	finextra	PROPN
cjfa-16357	139	3	states	state	VERB
cjfa-16357	139	4	that	that	SCONJ
cjfa-16357	139	5	impact	impact	NOUN
cjfa-16357	139	6	of	of	ADP
cjfa-16357	139	7	robos	robo	NOUN
cjfa-16357	139	8	on	on	ADP
cjfa-16357	139	9	present	present	ADJ
cjfa-16357	139	10	wealth	wealth	NOUN
cjfa-16357	139	11	advisory	advisory	NOUN
cjfa-16357	139	12	will	will	AUX
cjfa-16357	139	13	be	be	AUX
cjfa-16357	139	14	disruptive	disruptive	ADJ
cjfa-16357	139	15	,	,	PUNCT
cjfa-16357	139	16	blackrock	blackrock	NOUN
cjfa-16357	139	17	recognizes	recognize	VERB
cjfa-16357	139	18	a	a	DET
cjfa-16357	139	19	gap	gap	NOUN
cjfa-16357	139	20	in	in	ADP
cjfa-16357	139	21	existing	exist	VERB
cjfa-16357	139	22	financial	financial	ADJ
cjfa-16357	139	23	regulations	regulation	NOUN
cjfa-16357	139	24	that	that	PRON
cjfa-16357	139	25	needs	need	VERB
cjfa-16357	139	26	to	to	PART
cjfa-16357	139	27	be	be	AUX
cjfa-16357	139	28	filled	fill	VERB
cjfa-16357	139	29	to	to	PART
cjfa-16357	139	30	cover	cover	VERB
cjfa-16357	139	31	digital	digital	ADJ
cjfa-16357	139	32	advisory	advisory	NOUN
cjfa-16357	139	33	.	.	PUNCT
cjfa-16357	140	1	in	in	ADP
cjfa-16357	140	2	view	view	NOUN
cjfa-16357	140	3	of	of	ADP
cjfa-16357	140	4	novelty	novelty	NOUN
cjfa-16357	140	5	of	of	ADP
cjfa-16357	140	6	this	this	DET
cjfa-16357	140	7	phenomenon	phenomenon	NOUN
cjfa-16357	140	8	,	,	PUNCT
cjfa-16357	140	9	there	there	PRON
cjfa-16357	140	10	is	be	VERB
cjfa-16357	140	11	still	still	ADV
cjfa-16357	140	12	a	a	DET
cjfa-16357	140	13	space	space	NOUN
cjfa-16357	140	14	for	for	ADP
cjfa-16357	140	15	comprehensive	comprehensive	ADJ
cjfa-16357	140	16	studies	study	NOUN
cjfa-16357	140	17	about	about	ADP
cjfa-16357	140	18	robo	robo	NOUN
cjfa-16357	140	19	-	-	PUNCT
cjfa-16357	140	20	advisory	advisory	NOUN
cjfa-16357	140	21	.	.	PUNCT
cjfa-16357	141	1	the	the	DET
cjfa-16357	141	2	research	research	NOUN
cjfa-16357	141	3	methodology	methodology	NOUN
cjfa-16357	141	4	and	and	CCONJ
cjfa-16357	141	5	the	the	DET
cjfa-16357	141	6	course	course	NOUN
cjfa-16357	141	7	of	of	ADP
cjfa-16357	141	8	the	the	DET
cjfa-16357	141	9	research	research	NOUN
cjfa-16357	141	10	process	process	NOUN
cjfa-16357	141	11	the	the	DET
cjfa-16357	141	12	paper	paper	NOUN
cjfa-16357	141	13	contains	contain	VERB
cjfa-16357	141	14	empirical	empirical	ADJ
cjfa-16357	141	15	analysis	analysis	NOUN
cjfa-16357	141	16	and	and	CCONJ
cjfa-16357	141	17	descriptive	descriptive	ADJ
cjfa-16357	141	18	research	research	NOUN
cjfa-16357	141	19	studies	study	NOUN
cjfa-16357	141	20	carried	carry	VERB
cjfa-16357	141	21	out	out	ADP
cjfa-16357	141	22	in	in	ADP
cjfa-16357	141	23	several	several	ADJ
cjfa-16357	141	24	steps	step	NOUN
cjfa-16357	141	25	.	.	PUNCT
cjfa-16357	142	1	first	first	ADJ
cjfa-16357	142	2	step	step	NOUN
cjfa-16357	142	3	looks	look	VERB
cjfa-16357	142	4	into	into	ADP
cjfa-16357	142	5	american	american	ADJ
cjfa-16357	142	6	retirement	retirement	NOUN
cjfa-16357	142	7	system	system	NOUN
cjfa-16357	142	8	and	and	CCONJ
cjfa-16357	142	9	identifies	identify	VERB
cjfa-16357	142	10	its	its	PRON
cjfa-16357	142	11	shortcomings	shortcoming	NOUN
cjfa-16357	142	12	.	.	PUNCT
cjfa-16357	143	1	than	than	ADP
cjfa-16357	143	2	taking	take	VERB
cjfa-16357	143	3	a	a	DET
cjfa-16357	143	4	closer	close	ADJ
cjfa-16357	143	5	look	look	NOUN
cjfa-16357	143	6	at	at	ADP
cjfa-16357	143	7	traditional	traditional	ADJ
cjfa-16357	143	8	products	product	NOUN
cjfa-16357	143	9	,	,	PUNCT
cjfa-16357	143	10	their	their	PRON
cjfa-16357	143	11	cost	cost	NOUN
cjfa-16357	143	12	’s	’s	PART
cjfa-16357	143	13	impact	impact	NOUN
cjfa-16357	143	14	on	on	ADP
cjfa-16357	143	15	future	future	ADJ
cjfa-16357	143	16	retirement	retirement	NOUN
cjfa-16357	143	17	is	be	AUX
cjfa-16357	143	18	measured	measure	VERB
cjfa-16357	143	19	.	.	PUNCT
cjfa-16357	144	1	thereafter	thereafter	ADJ
cjfa-16357	144	2	advantages	advantage	NOUN
cjfa-16357	144	3	of	of	ADP
cjfa-16357	144	4	etfs	etfs	NOUN
cjfa-16357	144	5	and	and	CCONJ
cjfa-16357	144	6	robo	robo	NOUN
cjfa-16357	144	7	advisors	advisor	NOUN
cjfa-16357	144	8	in	in	ADP
cjfa-16357	144	9	terms	term	NOUN
cjfa-16357	144	10	of	of	ADP
cjfa-16357	144	11	retirement	retirement	NOUN
cjfa-16357	144	12	are	be	AUX
cjfa-16357	144	13	presented	present	VERB
cjfa-16357	144	14	.	.	PUNCT
cjfa-16357	145	1	finally	finally	ADV
cjfa-16357	145	2	,	,	PUNCT
cjfa-16357	145	3	paper	paper	NOUN
cjfa-16357	145	4	compares	compare	VERB
cjfa-16357	145	5	mutual	mutual	ADJ
cjfa-16357	145	6	funds	fund	NOUN
cjfa-16357	145	7	’	'	PUNCT
cjfa-16357	145	8	and	and	CCONJ
cjfa-16357	145	9	etfs	etfs	PROPN
cjfa-16357	145	10	return	return	NOUN
cjfa-16357	145	11	rates	rate	NOUN
cjfa-16357	145	12	and	and	CCONJ
cjfa-16357	145	13	expense	expense	NOUN
cjfa-16357	145	14	ratios	ratio	NOUN
cjfa-16357	145	15	.	.	PUNCT
cjfa-16357	146	1	morningstar	morningstar	NOUN
cjfa-16357	146	2	database	database	PROPN
cjfa-16357	146	3	has	have	AUX
cjfa-16357	146	4	been	be	AUX
cjfa-16357	146	5	used	use	VERB
cjfa-16357	146	6	to	to	PART
cjfa-16357	146	7	find	find	VERB
cjfa-16357	146	8	funds	fund	NOUN
cjfa-16357	146	9	annual	annual	ADJ
cjfa-16357	146	10	return	return	NOUN
cjfa-16357	146	11	rates	rate	NOUN
cjfa-16357	146	12	and	and	CCONJ
cjfa-16357	146	13	expense	expense	NOUN
cjfa-16357	146	14	ratios	ratio	NOUN
cjfa-16357	146	15	.	.	PUNCT
cjfa-16357	147	1	10	10	NUM
cjfa-16357	147	2	years	year	NOUN
cjfa-16357	147	3	period	period	NOUN
cjfa-16357	147	4	has	have	AUX
cjfa-16357	147	5	been	be	AUX
cjfa-16357	147	6	analyzed	analyze	VERB
cjfa-16357	147	7	.	.	PUNCT
cjfa-16357	148	1	to	to	PART
cjfa-16357	148	2	determine	determine	VERB
cjfa-16357	148	3	mutual	mutual	ADJ
cjfa-16357	148	4	funds	fund	NOUN
cjfa-16357	148	5	’	'	PUNCT
cjfa-16357	148	6	etf	etf	NOUN
cjfa-16357	148	7	alternatives	alternative	NOUN
cjfa-16357	148	8	author	author	NOUN
cjfa-16357	148	9	used	use	VERB
cjfa-16357	148	10	etfdb.com	etfdb.com	X
cjfa-16357	148	11	mutual	mutual	ADJ
cjfa-16357	148	12	fund	fund	NOUN
cjfa-16357	148	13	to	to	ADP
cjfa-16357	148	14	etf	etf	NOUN
cjfa-16357	148	15	converter	converter	NOUN
cjfa-16357	148	16	tool	tool	NOUN
cjfa-16357	148	17	(	(	PUNCT
cjfa-16357	148	18	www.etfdb	www.etfdb	PROPN
cjfa-16357	148	19	.	.	PUNCT
cjfa-16357	148	20	com	com	NOUN
cjfa-16357	148	21	)	)	PUNCT
cjfa-16357	148	22	,	,	PUNCT
cjfa-16357	148	23	which	which	PRON
cjfa-16357	148	24	utilizes	utilize	VERB
cjfa-16357	148	25	mutual	mutual	ADJ
cjfa-16357	148	26	funds	fund	NOUN
cjfa-16357	148	27	benchmarks	benchmark	NOUN
cjfa-16357	148	28	to	to	PART
cjfa-16357	148	29	find	find	VERB
cjfa-16357	148	30	the	the	DET
cjfa-16357	148	31	most	most	ADV
cjfa-16357	148	32	corresponding	corresponding	ADJ
cjfa-16357	148	33	etfs	etfs	PROPN
cjfa-16357	148	34	linked	link	VERB
cjfa-16357	148	35	to	to	ADP
cjfa-16357	148	36	the	the	DET
cjfa-16357	148	37	same	same	ADJ
cjfa-16357	148	38	benchmark	benchmark	NOUN
cjfa-16357	148	39	.	.	PUNCT
cjfa-16357	149	1	the	the	DET
cjfa-16357	149	2	study	study	NOUN
cjfa-16357	149	3	ends	end	VERB
cjfa-16357	149	4	with	with	ADP
cjfa-16357	149	5	conclusions	conclusion	NOUN
cjfa-16357	149	6	achieved	achieve	VERB
cjfa-16357	149	7	by	by	ADP
cjfa-16357	149	8	literature	literature	NOUN
cjfa-16357	149	9	review	review	NOUN
cjfa-16357	149	10	and	and	CCONJ
cjfa-16357	149	11	summary	summary	NOUN
cjfa-16357	149	12	of	of	ADP
cjfa-16357	149	13	provided	provide	VERB
cjfa-16357	149	14	analysis	analysis	NOUN
cjfa-16357	149	15	.	.	PUNCT
cjfa-16357	150	1	kamil	kamil	PROPN
cjfa-16357	150	2	nowak80	nowak80	PROPN
cjfa-16357	150	3	etfs	etfs	PROPN
cjfa-16357	150	4	as	as	ADP
cjfa-16357	150	5	low	low	ADJ
cjfa-16357	150	6	cost	cost	NOUN
cjfa-16357	150	7	retirement	retirement	NOUN
cjfa-16357	150	8	solutions	solution	NOUN
cjfa-16357	150	9	since	since	SCONJ
cjfa-16357	150	10	first	first	PROPN
cjfa-16357	150	11	etfs	etfs	PROPN
cjfa-16357	150	12	were	be	AUX
cjfa-16357	150	13	introduced	introduce	VERB
cjfa-16357	150	14	in	in	ADP
cjfa-16357	150	15	early	early	ADJ
cjfa-16357	150	16	nineties	ninety	NOUN
cjfa-16357	150	17	,	,	PUNCT
cjfa-16357	150	18	their	their	PRON
cjfa-16357	150	19	popularity	popularity	NOUN
cjfa-16357	150	20	grew	grow	VERB
cjfa-16357	150	21	rapidly	rapidly	ADV
cjfa-16357	150	22	.	.	PUNCT
cjfa-16357	151	1	nowadays	nowadays	ADV
cjfa-16357	151	2	etfs	etfs	PROPN
cjfa-16357	151	3	became	become	VERB
cjfa-16357	151	4	major	major	ADJ
cjfa-16357	151	5	part	part	NOUN
cjfa-16357	151	6	of	of	ADP
cjfa-16357	151	7	asset	asset	NOUN
cjfa-16357	151	8	management	management	NOUN
cjfa-16357	151	9	business	business	NOUN
cjfa-16357	151	10	and	and	CCONJ
cjfa-16357	151	11	definitely	definitely	ADV
cjfa-16357	151	12	the	the	DET
cjfa-16357	151	13	fastest	fast	ADJ
cjfa-16357	151	14	growing	grow	VERB
cjfa-16357	151	15	segment	segment	NOUN
cjfa-16357	151	16	of	of	ADP
cjfa-16357	151	17	that	that	DET
cjfa-16357	151	18	business	business	NOUN
cjfa-16357	151	19	.	.	PUNCT
cjfa-16357	152	1	they	they	PRON
cjfa-16357	152	2	dominated	dominate	VERB
cjfa-16357	152	3	indexbased	indexbase	VERB
cjfa-16357	152	4	investing	investing	NOUN
cjfa-16357	152	5	.	.	PUNCT
cjfa-16357	153	1	looking	look	VERB
cjfa-16357	153	2	at	at	ADP
cjfa-16357	153	3	the	the	DET
cjfa-16357	153	4	massive	massive	ADJ
cjfa-16357	153	5	,	,	PUNCT
cjfa-16357	153	6	over	over	ADP
cjfa-16357	153	7	2000	2000	NUM
cjfa-16357	153	8	%	%	NOUN
cjfa-16357	153	9	growth	growth	NOUN
cjfa-16357	153	10	during	during	ADP
cjfa-16357	153	11	the	the	DET
cjfa-16357	153	12	last	last	ADJ
cjfa-16357	153	13	10	10	NUM
cjfa-16357	153	14	years	year	NOUN
cjfa-16357	153	15	,	,	PUNCT
cjfa-16357	153	16	this	this	PRON
cjfa-16357	153	17	is	be	AUX
cjfa-16357	153	18	just	just	ADV
cjfa-16357	153	19	a	a	DET
cjfa-16357	153	20	matter	matter	NOUN
cjfa-16357	153	21	of	of	ADP
cjfa-16357	153	22	time	time	NOUN
cjfa-16357	153	23	until	until	SCONJ
cjfa-16357	153	24	etfs	etfs	PROPN
cjfa-16357	153	25	will	will	AUX
cjfa-16357	153	26	overtake	overtake	VERB
cjfa-16357	153	27	mutual	mutual	ADJ
cjfa-16357	153	28	fund	fund	NOUN
cjfa-16357	153	29	industry	industry	NOUN
cjfa-16357	153	30	.	.	PUNCT
cjfa-16357	154	1	when	when	SCONJ
cjfa-16357	154	2	it	it	PRON
cjfa-16357	154	3	seems	seem	VERB
cjfa-16357	154	4	like	like	SCONJ
cjfa-16357	154	5	exchange	exchange	NOUN
cjfa-16357	154	6	traded	trade	VERB
cjfa-16357	154	7	funds	fund	NOUN
cjfa-16357	154	8	business	business	NOUN
cjfa-16357	154	9	is	be	AUX
cjfa-16357	154	10	thriving	thrive	VERB
cjfa-16357	154	11	,	,	PUNCT
cjfa-16357	154	12	there	there	PRON
cjfa-16357	154	13	is	be	VERB
cjfa-16357	154	14	still	still	ADV
cjfa-16357	154	15	a	a	DET
cjfa-16357	154	16	segment	segment	NOUN
cjfa-16357	154	17	of	of	ADP
cjfa-16357	154	18	the	the	DET
cjfa-16357	154	19	market	market	NOUN
cjfa-16357	154	20	which	which	PRON
cjfa-16357	154	21	is	be	AUX
cjfa-16357	154	22	still	still	ADV
cjfa-16357	154	23	out	out	ADP
cjfa-16357	154	24	of	of	ADP
cjfa-16357	154	25	the	the	DET
cjfa-16357	154	26	reach	reach	NOUN
cjfa-16357	154	27	of	of	ADP
cjfa-16357	154	28	etfs	etfs	PROPN
cjfa-16357	154	29	–	–	PUNCT
cjfa-16357	154	30	retirement	retirement	NOUN
cjfa-16357	154	31	fund	fund	NOUN
cjfa-16357	154	32	business	business	NOUN
cjfa-16357	154	33	.	.	PUNCT
cjfa-16357	155	1	according	accord	VERB
cjfa-16357	155	2	to	to	ADP
cjfa-16357	155	3	ici	ici	PROPN
cjfa-16357	155	4	investors	investors	PROPN
cjfa-16357	155	5	holds	hold	VERB
cjfa-16357	155	6	only	only	ADV
cjfa-16357	155	7	0.02	0.02	NUM
cjfa-16357	155	8	%	%	NOUN
cjfa-16357	155	9	of	of	ADP
cjfa-16357	155	10	their	their	PRON
cjfa-16357	155	11	401k	401k	NOUN
cjfa-16357	155	12	in	in	ADP
cjfa-16357	155	13	exchange	exchange	NOUN
cjfa-16357	155	14	traded	trade	VERB
cjfa-16357	155	15	funds	fund	NOUN
cjfa-16357	155	16	.	.	PUNCT
cjfa-16357	156	1	accurate	accurate	ADJ
cjfa-16357	156	2	data	datum	NOUN
cjfa-16357	156	3	for	for	ADP
cjfa-16357	156	4	ira	ira	PROPN
cjfa-16357	156	5	is	be	AUX
cjfa-16357	156	6	not	not	PART
cjfa-16357	156	7	available	available	ADJ
cjfa-16357	156	8	,	,	PUNCT
cjfa-16357	156	9	but	but	CCONJ
cjfa-16357	156	10	according	accord	VERB
cjfa-16357	156	11	to	to	ADP
cjfa-16357	156	12	ici	ici	PROPN
cjfa-16357	156	13	48	48	NUM
cjfa-16357	156	14	%	%	NOUN
cjfa-16357	156	15	of	of	ADP
cjfa-16357	156	16	assets	asset	NOUN
cjfa-16357	156	17	is	be	AUX
cjfa-16357	156	18	held	hold	VERB
cjfa-16357	156	19	in	in	ADP
cjfa-16357	156	20	mutual	mutual	ADJ
cjfa-16357	156	21	funds	fund	NOUN
cjfa-16357	156	22	,	,	PUNCT
cjfa-16357	156	23	the	the	DET
cjfa-16357	156	24	rest	rest	NOUN
cjfa-16357	156	25	in	in	ADP
cjfa-16357	156	26	other	other	ADJ
cjfa-16357	156	27	investment	investment	NOUN
cjfa-16357	156	28	vehicles	vehicle	NOUN
cjfa-16357	156	29	including	include	VERB
cjfa-16357	156	30	etfs	etfs	PROPN
cjfa-16357	156	31	.	.	PUNCT
cjfa-16357	157	1	considering	consider	VERB
cjfa-16357	157	2	further	further	ADJ
cjfa-16357	157	3	research	research	NOUN
cjfa-16357	157	4	in	in	ADP
cjfa-16357	157	5	this	this	DET
cjfa-16357	157	6	paper	paper	NOUN
cjfa-16357	157	7	proving	prove	VERB
cjfa-16357	157	8	many	many	ADJ
cjfa-16357	157	9	etfs	etfs	NOUN
cjfa-16357	157	10	advantages	advantage	NOUN
cjfa-16357	157	11	over	over	ADP
cjfa-16357	157	12	traditional	traditional	ADJ
cjfa-16357	157	13	investment	investment	NOUN
cjfa-16357	157	14	funds	fund	NOUN
cjfa-16357	157	15	,	,	PUNCT
cjfa-16357	157	16	the	the	DET
cjfa-16357	157	17	question	question	NOUN
cjfa-16357	157	18	arises	arise	VERB
cjfa-16357	157	19	:	:	PUNCT
cjfa-16357	157	20	what	what	PRON
cjfa-16357	157	21	are	be	AUX
cjfa-16357	157	22	the	the	DET
cjfa-16357	157	23	reasons	reason	NOUN
cjfa-16357	157	24	of	of	ADP
cjfa-16357	157	25	mutual	mutual	ADJ
cjfa-16357	157	26	funds	fund	NOUN
cjfa-16357	157	27	dominancy	dominancy	NOUN
cjfa-16357	157	28	in	in	ADP
cjfa-16357	157	29	retirement	retirement	NOUN
cjfa-16357	157	30	segment	segment	NOUN
cjfa-16357	157	31	of	of	ADP
cjfa-16357	157	32	the	the	DET
cjfa-16357	157	33	market	market	NOUN
cjfa-16357	157	34	?	?	PUNCT
cjfa-16357	158	1	the	the	DET
cjfa-16357	158	2	answer	answer	NOUN
cjfa-16357	158	3	is	be	AUX
cjfa-16357	158	4	very	very	ADV
cjfa-16357	158	5	interesting	interesting	ADJ
cjfa-16357	158	6	and	and	CCONJ
cjfa-16357	158	7	lies	lie	VERB
cjfa-16357	158	8	in	in	ADP
cjfa-16357	158	9	one	one	NUM
cjfa-16357	158	10	of	of	ADP
cjfa-16357	158	11	etfs	etfs	PROPN
cjfa-16357	158	12	core	core	NOUN
cjfa-16357	158	13	advantages	advantage	NOUN
cjfa-16357	158	14	–	–	PUNCT
cjfa-16357	158	15	intra	intra	ADJ
cjfa-16357	158	16	daily	daily	ADJ
cjfa-16357	158	17	trading	trading	NOUN
cjfa-16357	158	18	.	.	PUNCT
cjfa-16357	159	1	most	most	ADV
cjfa-16357	159	2	defined	define	VERB
cjfa-16357	159	3	contribution	contribution	NOUN
cjfa-16357	159	4	fund	fund	NOUN
cjfa-16357	159	5	provider	provider	NOUN
cjfa-16357	159	6	’s	’s	PART
cjfa-16357	159	7	infrastructure	infrastructure	NOUN
cjfa-16357	159	8	is	be	AUX
cjfa-16357	159	9	n’t	not	PART
cjfa-16357	159	10	ready	ready	ADJ
cjfa-16357	159	11	for	for	ADP
cjfa-16357	159	12	intraday	intraday	NOUN
cjfa-16357	159	13	trading	trading	NOUN
cjfa-16357	159	14	.	.	PUNCT
cjfa-16357	160	1	the	the	DET
cjfa-16357	160	2	update	update	NOUN
cjfa-16357	160	3	is	be	AUX
cjfa-16357	160	4	of	of	ADP
cjfa-16357	160	5	course	course	NOUN
cjfa-16357	160	6	possible	possible	ADJ
cjfa-16357	160	7	,	,	PUNCT
cjfa-16357	160	8	but	but	CCONJ
cjfa-16357	160	9	requires	require	VERB
cjfa-16357	160	10	substantial	substantial	ADJ
cjfa-16357	160	11	expenses	expense	NOUN
cjfa-16357	160	12	,	,	PUNCT
cjfa-16357	160	13	so	so	ADV
cjfa-16357	160	14	for	for	SCONJ
cjfa-16357	160	15	the	the	DET
cjfa-16357	160	16	most	most	ADJ
cjfa-16357	160	17	of	of	ADP
cjfa-16357	160	18	the	the	DET
cjfa-16357	160	19	industry	industry	NOUN
cjfa-16357	160	20	holding	hold	VERB
cjfa-16357	160	21	status	status	NOUN
cjfa-16357	160	22	quo	quo	NOUN
cjfa-16357	160	23	is	be	AUX
cjfa-16357	160	24	n’t	not	PART
cjfa-16357	160	25	only	only	ADV
cjfa-16357	160	26	convenient	convenient	ADJ
cjfa-16357	160	27	but	but	CCONJ
cjfa-16357	160	28	very	very	ADV
cjfa-16357	160	29	profitable	profitable	ADJ
cjfa-16357	160	30	as	as	ADV
cjfa-16357	160	31	well	well	ADV
cjfa-16357	160	32	.	.	PUNCT
cjfa-16357	161	1	market	market	NOUN
cjfa-16357	161	2	examples	example	NOUN
cjfa-16357	161	3	proves	prove	VERB
cjfa-16357	161	4	that	that	SCONJ
cjfa-16357	161	5	adopting	adopt	VERB
cjfa-16357	161	6	etfs	etfs	NOUN
cjfa-16357	161	7	to	to	ADP
cjfa-16357	161	8	defined	define	VERB
cjfa-16357	161	9	contribution	contribution	NOUN
cjfa-16357	161	10	fund	fund	NOUN
cjfa-16357	161	11	business	business	NOUN
cjfa-16357	161	12	does	do	AUX
cjfa-16357	161	13	n’t	not	PART
cjfa-16357	161	14	have	have	VERB
cjfa-16357	161	15	to	to	PART
cjfa-16357	161	16	be	be	AUX
cjfa-16357	161	17	expensive	expensive	ADJ
cjfa-16357	161	18	.	.	PUNCT
cjfa-16357	162	1	vanguard	vanguard	NOUN
cjfa-16357	162	2	solved	solve	VERB
cjfa-16357	162	3	the	the	DET
cjfa-16357	162	4	problem	problem	NOUN
cjfa-16357	162	5	of	of	ADP
cjfa-16357	162	6	intraday	intraday	NOUN
cjfa-16357	162	7	trading	trading	NOUN
cjfa-16357	162	8	by	by	ADP
cjfa-16357	162	9	applying	apply	VERB
cjfa-16357	162	10	contributions	contribution	NOUN
cjfa-16357	162	11	into	into	ADP
cjfa-16357	162	12	money	money	NOUN
cjfa-16357	162	13	market	market	NOUN
cjfa-16357	162	14	fund	fund	NOUN
cjfa-16357	162	15	first	first	ADV
cjfa-16357	162	16	and	and	CCONJ
cjfa-16357	162	17	then	then	ADV
cjfa-16357	162	18	allowing	allow	VERB
cjfa-16357	162	19	participants	participant	NOUN
cjfa-16357	162	20	to	to	PART
cjfa-16357	162	21	convert	convert	VERB
cjfa-16357	162	22	the	the	DET
cjfa-16357	162	23	assets	asset	NOUN
cjfa-16357	162	24	to	to	PART
cjfa-16357	162	25	chosen	choose	VERB
cjfa-16357	162	26	etf	etf	NOUN
cjfa-16357	162	27	when	when	SCONJ
cjfa-16357	162	28	feasible	feasible	ADJ
cjfa-16357	162	29	.	.	PUNCT
cjfa-16357	163	1	that	that	PRON
cjfa-16357	163	2	is	be	AUX
cjfa-16357	163	3	an	an	DET
cjfa-16357	163	4	example	example	NOUN
cjfa-16357	163	5	of	of	ADP
cjfa-16357	163	6	frugal	frugal	ADJ
cjfa-16357	163	7	solution	solution	NOUN
cjfa-16357	163	8	,	,	PUNCT
cjfa-16357	163	9	but	but	CCONJ
cjfa-16357	163	10	the	the	DET
cjfa-16357	163	11	most	most	ADV
cjfa-16357	163	12	desired	desire	VERB
cjfa-16357	163	13	one	one	NUM
cjfa-16357	163	14	is	be	AUX
cjfa-16357	163	15	to	to	PART
cjfa-16357	163	16	develop	develop	VERB
cjfa-16357	163	17	new	new	ADJ
cjfa-16357	163	18	platform	platform	NOUN
cjfa-16357	163	19	supporting	support	VERB
cjfa-16357	163	20	intra	intra	ADJ
cjfa-16357	163	21	daily	daily	ADJ
cjfa-16357	163	22	trading	trading	NOUN
cjfa-16357	163	23	,	,	PUNCT
cjfa-16357	163	24	e.g.	e.g.	ADV
cjfa-16357	163	25	charles	charles	PROPN
cjfa-16357	163	26	schwab	schwab	PROPN
cjfa-16357	163	27	,	,	PUNCT
cjfa-16357	163	28	to	to	PART
cjfa-16357	163	29	allow	allow	VERB
cjfa-16357	163	30	investors	investor	NOUN
cjfa-16357	163	31	fully	fully	ADV
cjfa-16357	163	32	benefit	benefit	VERB
cjfa-16357	163	33	from	from	ADP
cjfa-16357	163	34	one	one	NUM
cjfa-16357	163	35	of	of	ADP
cjfa-16357	163	36	many	many	ADJ
cjfa-16357	163	37	etfs	etfs	NOUN
cjfa-16357	163	38	advantages	advantage	NOUN
cjfa-16357	163	39	.	.	PUNCT
cjfa-16357	164	1	what	what	PRON
cjfa-16357	164	2	are	be	AUX
cjfa-16357	164	3	the	the	DET
cjfa-16357	164	4	other	other	ADJ
cjfa-16357	164	5	advantages	advantage	NOUN
cjfa-16357	164	6	?	?	PUNCT
cjfa-16357	165	1	and	and	CCONJ
cjfa-16357	165	2	where	where	SCONJ
cjfa-16357	165	3	does	do	AUX
cjfa-16357	165	4	that	that	DET
cjfa-16357	165	5	growing	grow	VERB
cjfa-16357	165	6	popularity	popularity	NOUN
cjfa-16357	165	7	come	come	VERB
cjfa-16357	165	8	from	from	ADP
cjfa-16357	165	9	?	?	PUNCT
cjfa-16357	166	1	the	the	DET
cjfa-16357	166	2	answer	answer	NOUN
cjfa-16357	166	3	is	be	AUX
cjfa-16357	166	4	very	very	ADV
cjfa-16357	166	5	simple	simple	ADJ
cjfa-16357	166	6	and	and	CCONJ
cjfa-16357	166	7	‘	'	PUNCT
cjfa-16357	166	8	exchange	exchange	NOUN
cjfa-16357	166	9	traded	trade	VERB
cjfa-16357	166	10	’	'	PUNCT
cjfa-16357	166	11	is	be	AUX
cjfa-16357	166	12	the	the	DET
cjfa-16357	166	13	key	key	ADJ
cjfa-16357	166	14	reason	reason	NOUN
cjfa-16357	166	15	to	to	PART
cjfa-16357	166	16	unique	unique	ADJ
cjfa-16357	166	17	features	feature	NOUN
cjfa-16357	166	18	that	that	PRON
cjfa-16357	166	19	differs	differ	VERB
cjfa-16357	166	20	etfs	etfs	PROPN
cjfa-16357	166	21	from	from	ADP
cjfa-16357	166	22	other	other	ADJ
cjfa-16357	166	23	investment	investment	NOUN
cjfa-16357	166	24	vehicles	vehicle	NOUN
cjfa-16357	166	25	:	:	PUNCT
cjfa-16357	166	26	■	■	PUNCT
cjfa-16357	166	27	accessibility	accessibility	NOUN
cjfa-16357	166	28	–	–	PUNCT
cjfa-16357	166	29	markets	market	NOUN
cjfa-16357	166	30	and	and	CCONJ
cjfa-16357	166	31	asset	asset	NOUN
cjfa-16357	166	32	classes	class	NOUN
cjfa-16357	166	33	reserved	reserve	VERB
cjfa-16357	166	34	only	only	ADV
cjfa-16357	166	35	for	for	ADP
cjfa-16357	166	36	large	large	ADJ
cjfa-16357	166	37	institutional	institutional	ADJ
cjfa-16357	166	38	investors	investor	NOUN
cjfa-16357	166	39	became	become	VERB
cjfa-16357	166	40	easily	easily	ADV
cjfa-16357	166	41	accessible	accessible	ADJ
cjfa-16357	166	42	for	for	ADP
cjfa-16357	166	43	individual	individual	ADJ
cjfa-16357	166	44	investors	investor	NOUN
cjfa-16357	166	45	.	.	PUNCT
cjfa-16357	167	1	■	■	PUNCT
cjfa-16357	167	2	transparency	transparency	NOUN
cjfa-16357	167	3	–	–	PUNCT
cjfa-16357	167	4	etfs	etfs	PROPN
cjfa-16357	167	5	are	be	AUX
cjfa-16357	167	6	obliged	oblige	VERB
cjfa-16357	167	7	to	to	PART
cjfa-16357	167	8	display	display	VERB
cjfa-16357	167	9	their	their	PRON
cjfa-16357	167	10	portfolios	portfolio	NOUN
cjfa-16357	167	11	on	on	ADP
cjfa-16357	167	12	a	a	DET
cjfa-16357	167	13	daily	daily	ADJ
cjfa-16357	167	14	basis	basis	NOUN
cjfa-16357	167	15	.	.	PUNCT
cjfa-16357	168	1	etfs	etfs	PROPN
cjfa-16357	168	2	investors	investor	NOUN
cjfa-16357	168	3	unlike	unlike	ADP
cjfa-16357	168	4	mutual	mutual	ADJ
cjfa-16357	168	5	funds	fund	NOUN
cjfa-16357	168	6	clients	client	NOUN
cjfa-16357	168	7	do	do	AUX
cjfa-16357	168	8	not	not	PART
cjfa-16357	168	9	have	have	VERB
cjfa-16357	168	10	to	to	PART
cjfa-16357	168	11	wonder	wonder	VERB
cjfa-16357	168	12	where	where	SCONJ
cjfa-16357	168	13	their	their	PRON
cjfa-16357	168	14	funds	fund	NOUN
cjfa-16357	168	15	have	have	AUX
cjfa-16357	168	16	been	be	AUX
cjfa-16357	168	17	invested	invest	VERB
cjfa-16357	168	18	between	between	ADP
cjfa-16357	168	19	reporting	report	VERB
cjfa-16357	168	20	periods	period	NOUN
cjfa-16357	168	21	or	or	CCONJ
cjfa-16357	168	22	if	if	SCONJ
cjfa-16357	168	23	a	a	DET
cjfa-16357	168	24	portfolio	portfolio	NOUN
cjfa-16357	168	25	manager	manager	NOUN
cjfa-16357	168	26	has	have	AUX
cjfa-16357	168	27	taken	take	VERB
cjfa-16357	168	28	unnecessary	unnecessary	ADJ
cjfa-16357	168	29	risk	risk	NOUN
cjfa-16357	168	30	.	.	PUNCT
cjfa-16357	169	1	knowing	know	VERB
cjfa-16357	169	2	the	the	DET
cjfa-16357	169	3	underlying	underlie	VERB
cjfa-16357	169	4	assets	asset	NOUN
cjfa-16357	169	5	investors	investor	NOUN
cjfa-16357	169	6	may	may	AUX
cjfa-16357	169	7	avoid	avoid	VERB
cjfa-16357	169	8	doubling	double	VERB
cjfa-16357	169	9	the	the	DET
cjfa-16357	169	10	exposures	exposure	NOUN
cjfa-16357	169	11	by	by	ADP
cjfa-16357	169	12	holding	hold	VERB
cjfa-16357	169	13	those	those	DET
cjfa-16357	169	14	assets	asset	NOUN
cjfa-16357	169	15	elsewhere	elsewhere	ADV
cjfa-16357	169	16	.	.	PUNCT
cjfa-16357	170	1	low	low	ADJ
cjfa-16357	170	2	cost	cost	NOUN
cjfa-16357	170	3	retirement	retirement	NOUN
cjfa-16357	170	4	solutions	solution	NOUN
cjfa-16357	170	5	based	base	VERB
cjfa-16357	170	6	on	on	ADP
cjfa-16357	170	7	robo	robo	NOUN
cjfa-16357	170	8	-	-	PUNCT
cjfa-16357	170	9	advisors	advisor	NOUN
cjfa-16357	170	10	…	…	PUNCT
cjfa-16357	170	11	81	81	NUM
cjfa-16357	170	12	■	■	PUNCT
cjfa-16357	170	13	liquidity	liquidity	NOUN
cjfa-16357	170	14	–	–	PUNCT
cjfa-16357	170	15	‘	'	PUNCT
cjfa-16357	170	16	exchange	exchange	NOUN
cjfa-16357	170	17	traded	trade	VERB
cjfa-16357	170	18	’	'	PUNCT
cjfa-16357	170	19	is	be	AUX
cjfa-16357	170	20	the	the	DET
cjfa-16357	170	21	key	key	NOUN
cjfa-16357	170	22	to	to	AUX
cjfa-16357	170	23	etfs	etfs	PROPN
cjfa-16357	170	24	extraordinary	extraordinary	ADJ
cjfa-16357	170	25	liquidity	liquidity	NOUN
cjfa-16357	170	26	.	.	PUNCT
cjfa-16357	171	1	they	they	PRON
cjfa-16357	171	2	can	can	AUX
cjfa-16357	171	3	be	be	AUX
cjfa-16357	171	4	traded	trade	VERB
cjfa-16357	171	5	multiple	multiple	ADJ
cjfa-16357	171	6	times	time	NOUN
cjfa-16357	171	7	,	,	PUNCT
cjfa-16357	171	8	daily	daily	ADV
cjfa-16357	171	9	exactly	exactly	ADV
cjfa-16357	171	10	as	as	ADP
cjfa-16357	171	11	stocks	stock	NOUN
cjfa-16357	171	12	with	with	ADP
cjfa-16357	171	13	transparency	transparency	NOUN
cjfa-16357	171	14	and	and	CCONJ
cjfa-16357	171	15	regulatory	regulatory	ADJ
cjfa-16357	171	16	protection	protection	NOUN
cjfa-16357	171	17	.	.	PUNCT
cjfa-16357	172	1	also	also	ADV
cjfa-16357	172	2	like	like	VERB
cjfa-16357	172	3	stocks	stock	NOUN
cjfa-16357	172	4	etfs	etfs	PROPN
cjfa-16357	172	5	can	can	AUX
cjfa-16357	172	6	be	be	AUX
cjfa-16357	172	7	held	hold	VERB
cjfa-16357	172	8	with	with	ADP
cjfa-16357	172	9	a	a	DET
cjfa-16357	172	10	margin	margin	NOUN
cjfa-16357	172	11	,	,	PUNCT
cjfa-16357	172	12	shorted	short	VERB
cjfa-16357	172	13	or	or	CCONJ
cjfa-16357	172	14	optioned	optione	VERB
cjfa-16357	172	15	.	.	PUNCT
cjfa-16357	173	1	the	the	DET
cjfa-16357	173	2	creation	creation	NOUN
cjfa-16357	173	3	/	/	SYM
cjfa-16357	173	4	redemption	redemption	NOUN
cjfa-16357	173	5	process	process	NOUN
cjfa-16357	173	6	allows	allow	VERB
cjfa-16357	173	7	investors	investor	NOUN
cjfa-16357	173	8	to	to	PART
cjfa-16357	173	9	arbitrage	arbitrage	VERB
cjfa-16357	173	10	between	between	ADP
cjfa-16357	173	11	fund	fund	NOUN
cjfa-16357	173	12	and	and	CCONJ
cjfa-16357	173	13	its	its	PRON
cjfa-16357	173	14	underlying	underlie	VERB
cjfa-16357	173	15	securities	security	NOUN
cjfa-16357	173	16	.	.	PUNCT
cjfa-16357	174	1	■	■	PUNCT
cjfa-16357	174	2	tax	tax	NOUN
cjfa-16357	174	3	efficiency	efficiency	NOUN
cjfa-16357	174	4	–	–	PUNCT
cjfa-16357	174	5	unlike	unlike	ADP
cjfa-16357	174	6	mutual	mutual	ADJ
cjfa-16357	174	7	funds	fund	NOUN
cjfa-16357	174	8	etfs	etfs	PROPN
cjfa-16357	174	9	do	do	AUX
cjfa-16357	174	10	not	not	PART
cjfa-16357	174	11	expose	expose	VERB
cjfa-16357	174	12	their	their	PRON
cjfa-16357	174	13	shareholders	shareholder	NOUN
cjfa-16357	174	14	to	to	ADP
cjfa-16357	174	15	capital	capital	NOUN
cjfa-16357	174	16	gains	gain	NOUN
cjfa-16357	174	17	distributions	distribution	NOUN
cjfa-16357	174	18	.	.	PUNCT
cjfa-16357	175	1	the	the	DET
cjfa-16357	175	2	redemption	redemption	NOUN
cjfa-16357	175	3	in	in	ADP
cjfa-16357	175	4	kind	kind	ADJ
cjfa-16357	175	5	ability	ability	NOUN
cjfa-16357	175	6	practically	practically	ADV
cjfa-16357	175	7	eliminates	eliminate	VERB
cjfa-16357	175	8	the	the	DET
cjfa-16357	175	9	need	need	NOUN
cjfa-16357	175	10	of	of	ADP
cjfa-16357	175	11	capital	capital	NOUN
cjfa-16357	175	12	gains	gain	NOUN
cjfa-16357	175	13	distributions	distribution	NOUN
cjfa-16357	175	14	.	.	PUNCT
cjfa-16357	176	1	■	■	PUNCT
cjfa-16357	176	2	costs	cost	NOUN
cjfa-16357	176	3	–	–	PUNCT
cjfa-16357	176	4	last	last	ADJ
cjfa-16357	176	5	but	but	CCONJ
cjfa-16357	176	6	not	not	PART
cjfa-16357	176	7	least	least	ADJ
cjfa-16357	176	8	,	,	PUNCT
cjfa-16357	176	9	probably	probably	ADV
cjfa-16357	176	10	the	the	DET
cjfa-16357	176	11	biggest	big	ADJ
cjfa-16357	176	12	,	,	PUNCT
cjfa-16357	176	13	advantage	advantage	NOUN
cjfa-16357	176	14	of	of	ADP
cjfa-16357	176	15	etfs	etfs	PROPN
cjfa-16357	176	16	is	be	AUX
cjfa-16357	176	17	their	their	PRON
cjfa-16357	176	18	expense	expense	NOUN
cjfa-16357	176	19	ratio	ratio	NOUN
cjfa-16357	176	20	.	.	PUNCT
cjfa-16357	177	1	average	average	ADJ
cjfa-16357	177	2	mutual	mutual	ADJ
cjfa-16357	177	3	fund	fund	NOUN
cjfa-16357	177	4	expense	expense	NOUN
cjfa-16357	177	5	ratio	ratio	NOUN
cjfa-16357	177	6	is	be	AUX
cjfa-16357	177	7	almost	almost	ADV
cjfa-16357	177	8	150	150	NUM
cjfa-16357	177	9	%	%	NOUN
cjfa-16357	177	10	higher	high	ADJ
cjfa-16357	177	11	than	than	ADP
cjfa-16357	177	12	average	average	ADJ
cjfa-16357	177	13	etf	etf	NOUN
cjfa-16357	177	14	’s	’s	PART
cjfa-16357	177	15	expense	expense	NOUN
cjfa-16357	177	16	ratio	ratio	NOUN
cjfa-16357	177	17	.	.	PUNCT
cjfa-16357	178	1	the	the	DET
cjfa-16357	178	2	savings	saving	NOUN
cjfa-16357	178	3	can	can	AUX
cjfa-16357	178	4	be	be	AUX
cjfa-16357	178	5	achieved	achieve	VERB
cjfa-16357	178	6	because	because	SCONJ
cjfa-16357	178	7	etfs	etfs	PROPN
cjfa-16357	178	8	are	be	AUX
cjfa-16357	178	9	traded	trade	VERB
cjfa-16357	178	10	on	on	ADP
cjfa-16357	178	11	the	the	DET
cjfa-16357	178	12	stock	stock	NOUN
cjfa-16357	178	13	exchange	exchange	NOUN
cjfa-16357	178	14	and	and	CCONJ
cjfa-16357	178	15	most	most	ADJ
cjfa-16357	178	16	of	of	ADP
cjfa-16357	178	17	the	the	DET
cjfa-16357	178	18	costs	cost	NOUN
cjfa-16357	178	19	like	like	ADP
cjfa-16357	178	20	recordkeeping	recordkeepe	VERB
cjfa-16357	178	21	or	or	CCONJ
cjfa-16357	178	22	sending	send	VERB
cjfa-16357	178	23	the	the	DET
cjfa-16357	178	24	prospectus	prospectus	NOUN
cjfa-16357	178	25	are	be	AUX
cjfa-16357	178	26	borne	bear	VERB
cjfa-16357	178	27	by	by	ADP
cjfa-16357	178	28	brokers	broker	NOUN
cjfa-16357	178	29	.	.	PUNCT
cjfa-16357	179	1	in	in	ADP
cjfa-16357	179	2	summary	summary	NOUN
cjfa-16357	179	3	etfs	etfs	PROPN
cjfa-16357	179	4	set	set	VERB
cjfa-16357	179	5	up	up	ADP
cjfa-16357	179	6	new	new	ADJ
cjfa-16357	179	7	investing	investing	NOUN
cjfa-16357	179	8	standards	standard	NOUN
cjfa-16357	179	9	(	(	PUNCT
cjfa-16357	179	10	nowak	nowak	PROPN
cjfa-16357	179	11	,	,	PUNCT
cjfa-16357	179	12	2016	2016	NUM
cjfa-16357	179	13	,	,	PUNCT
cjfa-16357	179	14	p.	p.	NOUN
cjfa-16357	179	15	166	166	NUM
cjfa-16357	179	16	)	)	PUNCT
cjfa-16357	179	17	.	.	PUNCT
cjfa-16357	180	1	with	with	ADP
cjfa-16357	180	2	lower	low	ADJ
cjfa-16357	180	3	costs	cost	NOUN
cjfa-16357	180	4	,	,	PUNCT
cjfa-16357	180	5	liquidity	liquidity	NOUN
cjfa-16357	180	6	,	,	PUNCT
cjfa-16357	180	7	accessibility	accessibility	NOUN
cjfa-16357	180	8	and	and	CCONJ
cjfa-16357	180	9	tax	tax	NOUN
cjfa-16357	180	10	efficiency	efficiency	NOUN
cjfa-16357	180	11	this	this	PRON
cjfa-16357	180	12	is	be	AUX
cjfa-16357	180	13	n’t	not	PART
cjfa-16357	180	14	a	a	DET
cjfa-16357	180	15	surprise	surprise	NOUN
cjfa-16357	180	16	,	,	PUNCT
cjfa-16357	180	17	that	that	SCONJ
cjfa-16357	180	18	they	they	PRON
cjfa-16357	180	19	are	be	AUX
cjfa-16357	180	20	attracting	attract	VERB
cjfa-16357	180	21	investors	investor	NOUN
cjfa-16357	180	22	money	money	NOUN
cjfa-16357	180	23	definitely	definitely	ADV
cjfa-16357	180	24	faster	fast	ADV
cjfa-16357	180	25	than	than	ADP
cjfa-16357	180	26	regular	regular	ADJ
cjfa-16357	180	27	mutual	mutual	ADJ
cjfa-16357	180	28	funds	fund	NOUN
cjfa-16357	180	29	(	(	PUNCT
cjfa-16357	180	30	hill	hill	NOUN
cjfa-16357	180	31	et	et	PROPN
cjfa-16357	180	32	al	al	PROPN
cjfa-16357	180	33	.	.	PROPN
cjfa-16357	180	34	,	,	PUNCT
cjfa-16357	180	35	2015	2015	NUM
cjfa-16357	180	36	,	,	PUNCT
cjfa-16357	180	37	p.	p.	NOUN
cjfa-16357	180	38	9	9	NUM
cjfa-16357	180	39	)	)	PUNCT
cjfa-16357	180	40	.	.	PUNCT
cjfa-16357	181	1	all	all	DET
cjfa-16357	181	2	etf	etf	NOUN
cjfa-16357	181	3	’s	’s	PART
cjfa-16357	181	4	unique	unique	ADJ
cjfa-16357	181	5	features	feature	NOUN
cjfa-16357	181	6	contributed	contribute	VERB
cjfa-16357	181	7	to	to	ADP
cjfa-16357	181	8	their	their	PRON
cjfa-16357	181	9	growing	grow	VERB
cjfa-16357	181	10	popularity	popularity	NOUN
cjfa-16357	181	11	,	,	PUNCT
cjfa-16357	181	12	but	but	CCONJ
cjfa-16357	181	13	from	from	ADP
cjfa-16357	181	14	the	the	DET
cjfa-16357	181	15	retirement	retirement	NOUN
cjfa-16357	181	16	point	point	NOUN
cjfa-16357	181	17	of	of	ADP
cjfa-16357	181	18	view	view	NOUN
cjfa-16357	181	19	the	the	DET
cjfa-16357	181	20	most	most	ADV
cjfa-16357	181	21	important	important	ADJ
cjfa-16357	181	22	is	be	AUX
cjfa-16357	181	23	cost	cost	NOUN
cjfa-16357	181	24	effectivity	effectivity	NOUN
cjfa-16357	181	25	.	.	PUNCT
cjfa-16357	182	1	according	accord	VERB
cjfa-16357	182	2	to	to	ADP
cjfa-16357	182	3	morningstar	morningstar	NOUN
cjfa-16357	182	4	,	,	PUNCT
cjfa-16357	182	5	the	the	DET
cjfa-16357	182	6	average	average	ADJ
cjfa-16357	182	7	expense	expense	NOUN
cjfa-16357	182	8	ratio	ratio	NOUN
cjfa-16357	182	9	for	for	ADP
cjfa-16357	182	10	an	an	DET
cjfa-16357	182	11	index	index	NOUN
cjfa-16357	182	12	u.s	u.s	PROPN
cjfa-16357	182	13	.	.	PROPN
cjfa-16357	182	14	etf	etf	NOUN
cjfa-16357	182	15	is	be	AUX
cjfa-16357	182	16	0.35	0.35	NUM
cjfa-16357	182	17	%	%	NOUN
cjfa-16357	182	18	and	and	CCONJ
cjfa-16357	182	19	0.87	0.87	NUM
cjfa-16357	182	20	%	%	NOUN
cjfa-16357	182	21	for	for	ADP
cjfa-16357	182	22	actively	actively	ADV
cjfa-16357	182	23	managed	manage	VERB
cjfa-16357	182	24	etf	etf	NOUN
cjfa-16357	182	25	,	,	PUNCT
cjfa-16357	182	26	although	although	SCONJ
cjfa-16357	182	27	many	many	ADJ
cjfa-16357	182	28	of	of	ADP
cjfa-16357	182	29	the	the	DET
cjfa-16357	182	30	most	most	ADV
cjfa-16357	182	31	popular	popular	ADJ
cjfa-16357	182	32	index	index	NOUN
cjfa-16357	182	33	tracking	track	VERB
cjfa-16357	182	34	etfs	etfs	PROPN
cjfa-16357	182	35	offer	offer	VERB
cjfa-16357	182	36	ratios	ratio	NOUN
cjfa-16357	182	37	below	below	ADP
cjfa-16357	182	38	0.1	0.1	NUM
cjfa-16357	182	39	%	%	NOUN
cjfa-16357	182	40	.	.	PUNCT
cjfa-16357	183	1	comparing	compare	VERB
cjfa-16357	183	2	to	to	ADP
cjfa-16357	183	3	mutual	mutual	ADJ
cjfa-16357	183	4	funds	fund	NOUN
cjfa-16357	183	5	,	,	PUNCT
cjfa-16357	183	6	which	which	DET
cjfa-16357	183	7	average	average	ADJ
cjfa-16357	183	8	fee	fee	NOUN
cjfa-16357	183	9	is	be	AUX
cjfa-16357	183	10	0.65	0.65	NUM
cjfa-16357	183	11	%	%	NOUN
cjfa-16357	183	12	for	for	ADP
cjfa-16357	183	13	a	a	DET
cjfa-16357	183	14	passive	passive	ADJ
cjfa-16357	183	15	fund	fund	NOUN
cjfa-16357	183	16	and	and	CCONJ
cjfa-16357	183	17	1.21	1.21	NUM
cjfa-16357	183	18	%	%	NOUN
cjfa-16357	183	19	for	for	ADP
cjfa-16357	183	20	an	an	DET
cjfa-16357	183	21	active	active	ADJ
cjfa-16357	183	22	fund	fund	NOUN
cjfa-16357	183	23	.	.	PUNCT
cjfa-16357	184	1	considering	consider	VERB
cjfa-16357	184	2	how	how	SCONJ
cjfa-16357	184	3	even	even	ADV
cjfa-16357	184	4	small	small	ADJ
cjfa-16357	184	5	differences	difference	NOUN
cjfa-16357	184	6	in	in	ADP
cjfa-16357	184	7	fees	fee	NOUN
cjfa-16357	184	8	impact	impact	VERB
cjfa-16357	184	9	future	future	ADJ
cjfa-16357	184	10	retirement	retirement	NOUN
cjfa-16357	184	11	(	(	PUNCT
cjfa-16357	184	12	see	see	VERB
cjfa-16357	184	13	figure	figure	NOUN
cjfa-16357	184	14	3	3	NUM
cjfa-16357	184	15	)	)	PUNCT
cjfa-16357	184	16	,	,	PUNCT
cjfa-16357	184	17	that	that	PRON
cjfa-16357	184	18	is	be	AUX
cjfa-16357	184	19	definitely	definitely	ADV
cjfa-16357	184	20	worth	worth	ADJ
cjfa-16357	184	21	to	to	PART
cjfa-16357	184	22	take	take	VERB
cjfa-16357	184	23	a	a	DET
cjfa-16357	184	24	closer	close	ADJ
cjfa-16357	184	25	look	look	NOUN
cjfa-16357	184	26	on	on	ADP
cjfa-16357	184	27	fees	fee	NOUN
cjfa-16357	184	28	and	and	CCONJ
cjfa-16357	184	29	performance	performance	NOUN
cjfa-16357	184	30	of	of	ADP
cjfa-16357	184	31	etfs	etfs	NOUN
cjfa-16357	184	32	and	and	CCONJ
cjfa-16357	184	33	traditional	traditional	ADJ
cjfa-16357	184	34	mutual	mutual	ADJ
cjfa-16357	184	35	funds	fund	NOUN
cjfa-16357	184	36	.	.	PUNCT
cjfa-16357	185	1	table	table	NOUN
cjfa-16357	185	2	1	1	NUM
cjfa-16357	185	3	shows	show	VERB
cjfa-16357	185	4	expense	expense	NOUN
cjfa-16357	185	5	ratio	ratio	NOUN
cjfa-16357	185	6	and	and	CCONJ
cjfa-16357	185	7	performance	performance	NOUN
cjfa-16357	185	8	of	of	ADP
cjfa-16357	185	9	11	11	NUM
cjfa-16357	185	10	biggest	big	ADJ
cjfa-16357	185	11	mutual	mutual	ADJ
cjfa-16357	185	12	funds	fund	NOUN
cjfa-16357	185	13	tracking	track	VERB
cjfa-16357	185	14	s&p	s&p	PROPN
cjfa-16357	185	15	500	500	NUM
cjfa-16357	185	16	index	index	NOUN
cjfa-16357	185	17	.	.	PUNCT
cjfa-16357	186	1	while	while	SCONJ
cjfa-16357	186	2	table	table	NOUN
cjfa-16357	186	3	2	2	NUM
cjfa-16357	186	4	.	.	PUNCT
cjfa-16357	186	5	presents	present	VERB
cjfa-16357	186	6	the	the	DET
cjfa-16357	186	7	same	same	ADJ
cjfa-16357	186	8	data	datum	NOUN
cjfa-16357	186	9	for	for	ADP
cjfa-16357	186	10	3	3	NUM
cjfa-16357	186	11	major	major	ADJ
cjfa-16357	186	12	etfs	etfs	NOUN
cjfa-16357	186	13	,	,	PUNCT
cjfa-16357	186	14	tracking	track	VERB
cjfa-16357	186	15	s&p	s&p	PROPN
cjfa-16357	186	16	500	500	NUM
cjfa-16357	186	17	as	as	ADV
cjfa-16357	186	18	well	well	ADV
cjfa-16357	186	19	.	.	PUNCT
cjfa-16357	187	1	looking	look	VERB
cjfa-16357	187	2	at	at	ADP
cjfa-16357	187	3	aum	aum	PROPN
cjfa-16357	187	4	,	,	PUNCT
cjfa-16357	187	5	it	it	PRON
cjfa-16357	187	6	’s	’	VERB
cjfa-16357	187	7	obvious	obvious	ADJ
cjfa-16357	187	8	that	that	SCONJ
cjfa-16357	187	9	traditional	traditional	ADJ
cjfa-16357	187	10	mutual	mutual	ADJ
cjfa-16357	187	11	funds	fund	NOUN
cjfa-16357	187	12	still	still	ADV
cjfa-16357	187	13	dominate	dominate	VERB
cjfa-16357	187	14	the	the	DET
cjfa-16357	187	15	market	market	NOUN
cjfa-16357	187	16	.	.	PUNCT
cjfa-16357	188	1	average	average	ADJ
cjfa-16357	188	2	index	index	NOUN
cjfa-16357	188	3	tracking	track	VERB
cjfa-16357	188	4	mutual	mutual	ADJ
cjfa-16357	188	5	fund	fund	NOUN
cjfa-16357	188	6	manages	manage	VERB
cjfa-16357	188	7	27.08	27.08	NUM
cjfa-16357	188	8	billion	billion	NUM
cjfa-16357	188	9	dollars	dollar	NOUN
cjfa-16357	188	10	of	of	ADP
cjfa-16357	188	11	assets	asset	NOUN
cjfa-16357	188	12	.	.	PUNCT
cjfa-16357	189	1	while	while	SCONJ
cjfa-16357	189	2	average	average	ADJ
cjfa-16357	189	3	aum	aum	PROPN
cjfa-16357	189	4	for	for	ADP
cjfa-16357	189	5	etfs	etfs	PROPN
cjfa-16357	189	6	is	be	AUX
cjfa-16357	189	7	not	not	PART
cjfa-16357	189	8	even	even	ADV
cjfa-16357	189	9	60	60	NUM
cjfa-16357	189	10	million	million	NUM
cjfa-16357	189	11	.	.	PUNCT
cjfa-16357	190	1	of	of	ADP
cjfa-16357	190	2	course	course	NOUN
cjfa-16357	190	3	exchange	exchange	NOUN
cjfa-16357	190	4	traded	trade	VERB
cjfa-16357	190	5	funds	fund	NOUN
cjfa-16357	190	6	are	be	AUX
cjfa-16357	190	7	still	still	ADV
cjfa-16357	190	8	growing	grow	VERB
cjfa-16357	190	9	segment	segment	NOUN
cjfa-16357	190	10	of	of	ADP
cjfa-16357	190	11	assets	asset	NOUN
cjfa-16357	190	12	management	management	NOUN
cjfa-16357	190	13	business	business	NOUN
cjfa-16357	190	14	.	.	PUNCT
cjfa-16357	191	1	where	where	SCONJ
cjfa-16357	191	2	does	do	AUX
cjfa-16357	191	3	this	this	DET
cjfa-16357	191	4	fast	fast	ADJ
cjfa-16357	191	5	growth	growth	NOUN
cjfa-16357	191	6	come	come	VERB
cjfa-16357	191	7	from	from	ADP
cjfa-16357	191	8	?	?	PUNCT
cjfa-16357	191	9	table	table	NOUN
cjfa-16357	191	10	1	1	NUM
cjfa-16357	191	11	.	.	PUNCT
cjfa-16357	191	12	mutual	mutual	ADJ
cjfa-16357	191	13	funds	fund	NOUN
cjfa-16357	191	14	tracking	track	VERB
cjfa-16357	191	15	s&p	s&p	PROPN
cjfa-16357	191	16	500	500	NUM
cjfa-16357	191	17	expense	expense	NOUN
cjfa-16357	191	18	ratio	ratio	NOUN
cjfa-16357	191	19	and	and	CCONJ
cjfa-16357	191	20	performance	performance	NOUN
cjfa-16357	191	21	fund	fund	NOUN
cjfa-16357	191	22	ticker	ticker	PROPN
cjfa-16357	191	23	aum	aum	PROPN
cjfa-16357	191	24	(	(	PUNCT
cjfa-16357	191	25	millions	millions	NUM
cjfa-16357	191	26	usd	usd	NOUN
cjfa-16357	191	27	)	)	PUNCT
cjfa-16357	191	28	expense	expense	NOUN
cjfa-16357	191	29	ratio	ratio	NOUN
cjfa-16357	191	30	(	(	PUNCT
cjfa-16357	191	31	%	%	INTJ
cjfa-16357	191	32	)	)	PUNCT
cjfa-16357	191	33	performance	performance	NOUN
cjfa-16357	191	34	(	(	PUNCT
cjfa-16357	191	35	%	%	INTJ
cjfa-16357	191	36	)	)	PUNCT
cjfa-16357	192	1	+	+	NOUN
cjfa-16357	192	2	/s&p	/s&p	SYM
cjfa-16357	192	3	500	500	NUM
cjfa-16357	192	4	(	(	PUNCT
cjfa-16357	192	5	%	%	NOUN
cjfa-16357	192	6	)	)	PUNCT
cjfa-16357	192	7	1	1	NUM
cjfa-16357	192	8	yr	yr	NOUN
cjfa-16357	192	9	3	3	NUM
cjfa-16357	192	10	yr	yr	NOUN
cjfa-16357	192	11	5	5	NUM
cjfa-16357	192	12	yr	yr	NOUN
cjfa-16357	192	13	10	10	NUM
cjfa-16357	192	14	yr	yr	NOUN
cjfa-16357	192	15	1	1	NUM
cjfa-16357	192	16	yr	yr	NOUN
cjfa-16357	192	17	3	3	NUM
cjfa-16357	192	18	yr	yr	NOUN
cjfa-16357	192	19	5	5	NUM
cjfa-16357	192	20	yr	yr	NOUN
cjfa-16357	192	21	10	10	NUM
cjfa-16357	192	22	yr	yr	NOUN
cjfa-16357	192	23	vanguard	vanguard	PROPN
cjfa-16357	192	24	500	500	NUM
cjfa-16357	192	25	index	index	NOUN
cjfa-16357	192	26	investor	investor	NOUN
cjfa-16357	192	27	vfinx	vfinx	NOUN
cjfa-16357	192	28	306400	306400	NUM
cjfa-16357	192	29	0.14	0.14	NUM
cjfa-16357	192	30	21.29	21.29	NUM
cjfa-16357	192	31	10.14	10.14	NUM
cjfa-16357	192	32	13.77	13.77	NUM
cjfa-16357	192	33	7.53	7.53	NUM
cjfa-16357	192	34	-0.69	-0.69	NUM
cjfa-16357	192	35	-0.12	-0.12	NUM
cjfa-16357	192	36	-0.23	-0.23	PROPN
cjfa-16357	192	37	-0.12	-0.12	NUM
cjfa-16357	192	38	fidelity	fidelity	PROPN
cjfa-16357	192	39	500	500	NUM
cjfa-16357	192	40	index	index	NOUN
cjfa-16357	192	41	fund	fund	NOUN
cjfa-16357	192	42	investor	investor	NOUN
cjfa-16357	192	43	class	class	NOUN
cjfa-16357	192	44	fusex	fusex	NOUN
cjfa-16357	192	45	116600	116600	NUM
cjfa-16357	192	46	0.10	0.10	NUM
cjfa-16357	192	47	21.34	21.34	NUM
cjfa-16357	192	48	10.21	10.21	NUM
cjfa-16357	192	49	13.84	13.84	NUM
cjfa-16357	192	50	7.58	7.58	NUM
cjfa-16357	192	51	-0.64	-0.64	NUM
cjfa-16357	192	52	-0.06	-0.06	NUM
cjfa-16357	192	53	-0.16	-0.16	PROPN
cjfa-16357	192	54	-0.07	-0.07	NUM
cjfa-16357	192	55	schwab	schwab	PROPN
cjfa-16357	192	56	s&p	s&p	PROPN
cjfa-16357	192	57	500	500	NUM
cjfa-16357	192	58	index	index	NOUN
cjfa-16357	192	59	swppx	swppx	NOUN
cjfa-16357	192	60	25800	25800	NUM
cjfa-16357	192	61	0.09	0.09	NUM
cjfa-16357	192	62	21.34	21.34	NUM
cjfa-16357	192	63	10.18	10.18	NUM
cjfa-16357	192	64	13.83	13.83	NUM
cjfa-16357	192	65	7.61	7.61	NUM
cjfa-16357	192	66	-0.65	-0.65	NUM
cjfa-16357	192	67	-0.09	-0.09	NUM
cjfa-16357	192	68	-0.17	-0.17	ADJ
cjfa-16357	192	69	-0.04	-0.04	PROPN
cjfa-16357	192	70	blackrock	blackrock	PROPN
cjfa-16357	192	71	s&p	s&p	PROPN
cjfa-16357	192	72	500	500	NUM
cjfa-16357	192	73	index	index	NOUN
cjfa-16357	192	74	fund	fund	NOUN
cjfa-16357	192	75	investor	investor	NOUN
cjfa-16357	192	76	a	a	DET
cjfa-16357	192	77	wfspx	wfspx	NOUN
cjfa-16357	192	78	10100	10100	NUM
cjfa-16357	192	79	0.36	0.36	NUM
cjfa-16357	192	80	21.02	21.02	NUM
cjfa-16357	192	81	9.90	9.90	NUM
cjfa-16357	192	82	13.50	13.50	NUM
cjfa-16357	192	83	7.27	7.27	NUM
cjfa-16357	192	84	-0.08	-0.08	NUM
cjfa-16357	192	85	-0.42	-0.42	NUM
cjfa-16357	192	86	-0.40	-0.40	PROPN
cjfa-16357	192	87	-0.38	-0.38	PROPN
cjfa-16357	192	88	usaa	usaa	PROPN
cjfa-16357	192	89	s&p	s&p	PROPN
cjfa-16357	192	90	500	500	NUM
cjfa-16357	192	91	index	index	NOUN
cjfa-16357	192	92	fund	fund	NOUN
cjfa-16357	192	93	member	member	NOUN
cjfa-16357	192	94	shares	share	NOUN
cjfa-16357	192	95	usspx	usspx	NOUN
cjfa-16357	192	96	6200	6200	NUM
cjfa-16357	192	97	0.25	0.25	NUM
cjfa-16357	192	98	21.14	21.14	NUM
cjfa-16357	192	99	10.01	10.01	NUM
cjfa-16357	192	100	13.64	13.64	NUM
cjfa-16357	192	101	7.40	7.40	NUM
cjfa-16357	192	102	-0.84	-0.84	NUM
cjfa-16357	192	103	-0.25	-0.25	NUM
cjfa-16357	192	104	-0.36	-0.36	NUM
cjfa-16357	192	105	-0.25	-0.25	NUM
cjfa-16357	192	106	principal	principal	ADJ
cjfa-16357	192	107	largecap	largecap	NOUN
cjfa-16357	192	108	s&p	s&p	PROPN
cjfa-16357	192	109	500	500	NUM
cjfa-16357	192	110	index	index	NOUN
cjfa-16357	192	111	fund	fund	NOUN
cjfa-16357	192	112	class	class	NOUN
cjfa-16357	192	113	a	a	DET
cjfa-16357	192	114	plsax	plsax	NOUN
cjfa-16357	192	115	5300	5300	NUM
cjfa-16357	192	116	0.48	0.48	NUM
cjfa-16357	192	117	21.33	21.33	NUM
cjfa-16357	192	118	9.72	9.72	NUM
cjfa-16357	192	119	13.37	13.37	NUM
cjfa-16357	192	120	7.00	7.00	NUM
cjfa-16357	192	121	-0.58	-0.58	NOUN
cjfa-16357	192	122	-0.53	-0.53	NOUN
cjfa-16357	192	123	-0.61	-0.61	NUM
cjfa-16357	192	124	-0.64	-0.64	NUM
cjfa-16357	192	125	tiaa	tiaa	ADJ
cjfa-16357	192	126	-	-	PUNCT
cjfa-16357	192	127	cref	cref	NOUN
cjfa-16357	192	128	s&p	s&p	PROPN
cjfa-16357	192	129	500	500	NUM
cjfa-16357	192	130	index	index	NOUN
cjfa-16357	192	131	retire	retire	VERB
cjfa-16357	192	132	trspx	trspx	NOUN
cjfa-16357	192	133	4100	4100	NUM
cjfa-16357	192	134	0.30	0.30	NUM
cjfa-16357	192	135	21.06	21.06	NUM
cjfa-16357	192	136	9.95	9.95	NUM
cjfa-16357	192	137	13.58	13.58	NUM
cjfa-16357	192	138	7.33	7.33	NUM
cjfa-16357	192	139	-0.93	-0.93	NUM
cjfa-16357	192	140	-0.31	-0.31	NUM
cjfa-16357	192	141	-0.42	-0.42	NUM
cjfa-16357	192	142	-0.32	-0.32	VERB
cjfa-16357	192	143	mm	mm	PROPN
cjfa-16357	192	144	s&p	s&p	PROPN
cjfa-16357	192	145	500	500	NUM
cjfa-16357	192	146	®	®	NOUN
cjfa-16357	192	147	index	index	NOUN
cjfa-16357	192	148	fund	fund	NOUN
cjfa-16357	192	149	class	class	PROPN
cjfa-16357	192	150	a	a	DET
cjfa-16357	192	151	mmffx	mmffx	NOUN
cjfa-16357	192	152	3800	3800	NUM
cjfa-16357	192	153	0.72	0.72	NUM
cjfa-16357	192	154	20.56	20.56	NUM
cjfa-16357	192	155	9.51	9.51	NUM
cjfa-16357	192	156	13.15	13.15	NUM
cjfa-16357	192	157	6.93	6.93	NUM
cjfa-16357	192	158	-0.89	-0.89	NUM
cjfa-16357	192	159	-0.79	-0.79	NOUN
cjfa-16357	192	160	-0.79	-0.79	NOUN
cjfa-16357	192	161	-0.72	-0.72	NUM
cjfa-16357	192	162	nationwide	nationwide	ADJ
cjfa-16357	192	163	s&p	s&p	PROPN
cjfa-16357	192	164	500	500	NUM
cjfa-16357	192	165	index	index	NOUN
cjfa-16357	192	166	fund	fund	NOUN
cjfa-16357	192	167	class	class	NOUN
cjfa-16357	192	168	a	a	DET
cjfa-16357	192	169	grmax	grmax	NOUN
cjfa-16357	192	170	2600	2600	NUM
cjfa-16357	192	171	0.60	0.60	NUM
cjfa-16357	192	172	20.71	20.71	NUM
cjfa-16357	192	173	9.66	9.66	NUM
cjfa-16357	192	174	13.28	13.28	NUM
cjfa-16357	192	175	7.05	7.05	NUM
cjfa-16357	192	176	-0.74	-0.74	NOUN
cjfa-16357	192	177	-0.63	-0.63	NUM
cjfa-16357	192	178	-0.66	-0.66	NUM
cjfa-16357	192	179	-0.60	-0.60	NUM
cjfa-16357	192	180	state	state	NOUN
cjfa-16357	192	181	farm	farm	NOUN
cjfa-16357	192	182	s&p	s&p	PROPN
cjfa-16357	192	183	500	500	NUM
cjfa-16357	192	184	index	index	NOUN
cjfa-16357	192	185	fund	fund	NOUN
cjfa-16357	192	186	class	class	NOUN
cjfa-16357	192	187	a	a	DET
cjfa-16357	192	188	snpax	snpax	ADJ
cjfa-16357	192	189	1400	1400	NUM
cjfa-16357	192	190	0.68	0.68	NUM
cjfa-16357	192	191	20.62	20.62	NUM
cjfa-16357	192	192	9.51	9.51	NUM
cjfa-16357	192	193	13.10	13.10	NUM
cjfa-16357	192	194	6.87	6.87	NUM
cjfa-16357	192	195	-0.83	-0.83	DET
cjfa-16357	192	196	-0.79	-0.79	NOUN
cjfa-16357	192	197	-0.84	-0.84	NUM
cjfa-16357	192	198	-0.78	-0.78	NUM
cjfa-16357	192	199	mainstay	mainstay	ADJ
cjfa-16357	192	200	s&p	s&p	PROPN
cjfa-16357	192	201	500	500	NUM
cjfa-16357	192	202	index	index	NOUN
cjfa-16357	192	203	fund	fund	NOUN
cjfa-16357	192	204	class	class	NOUN
cjfa-16357	192	205	a	a	DET
cjfa-16357	192	206	msxax	msxax	NOUN
cjfa-16357	192	207	1300	1300	NUM
cjfa-16357	192	208	0.60	0.60	NUM
cjfa-16357	192	209	20.75	20.75	NUM
cjfa-16357	192	210	9.66	9.66	NUM
cjfa-16357	192	211	13.27	13.27	NUM
cjfa-16357	192	212	7.06	7.06	NUM
cjfa-16357	192	213	-0.70	-0.70	NUM
cjfa-16357	192	214	-0.63	-0.63	PROPN
cjfa-16357	193	1	-0.67	-0.67	NUM
cjfa-16357	194	1	-0.59	-0.59	PROPN
cjfa-16357	194	2	invesco	invesco	PROPN
cjfa-16357	194	3	s&p	s&p	PROPN
cjfa-16357	194	4	500	500	NUM
cjfa-16357	194	5	index	index	NOUN
cjfa-16357	194	6	fund	fund	NOUN
cjfa-16357	194	7	class	class	NOUN
cjfa-16357	194	8	a	a	DET
cjfa-16357	194	9	spiax	spiax	NOUN
cjfa-16357	194	10	1000	1000	NUM
cjfa-16357	194	11	0.59	0.59	NUM
cjfa-16357	194	12	20.75	20.75	NUM
cjfa-16357	194	13	9.65	9.65	NUM
cjfa-16357	194	14	13.29	13.29	NUM
cjfa-16357	194	15	7.12	7.12	NUM
cjfa-16357	194	16	-0.70	-0.70	NUM
cjfa-16357	194	17	-0.64	-0.64	PRON
cjfa-16357	194	18	-0.65	-0.65	ADP
cjfa-16357	194	19	-0.53	-0.53	NOUN
cjfa-16357	194	20	deutsche	deutsche	NOUN
cjfa-16357	194	21	s&p	s&p	PROPN
cjfa-16357	194	22	500	500	NUM
cjfa-16357	194	23	index	index	NOUN
cjfa-16357	194	24	fund	fund	NOUN
cjfa-16357	194	25	class	class	NOUN
cjfa-16357	194	26	a	a	DET
cjfa-16357	194	27	sxpax	sxpax	ADJ
cjfa-16357	194	28	940	940	NUM
cjfa-16357	194	29	0.64	0.64	NUM
cjfa-16357	194	30	21.23	21.23	NUM
cjfa-16357	194	31	9.55	9.55	NUM
cjfa-16357	194	32	13.25	13.25	NUM
cjfa-16357	194	33	6.99	6.99	NUM
cjfa-16357	194	34	-0.77	-0.77	NUM
cjfa-16357	194	35	-0.71	-0.71	NOUN
cjfa-16357	194	36	-0.74	-0.74	ADJ
cjfa-16357	194	37	-0.66	-0.66	NUM
cjfa-16357	194	38	low	low	ADJ
cjfa-16357	194	39	cost	cost	NOUN
cjfa-16357	194	40	retirement	retirement	NOUN
cjfa-16357	194	41	solutions	solution	NOUN
cjfa-16357	194	42	based	base	VERB
cjfa-16357	194	43	on	on	ADP
cjfa-16357	194	44	robo	robo	NOUN
cjfa-16357	194	45	-	-	PUNCT
cjfa-16357	194	46	advisors	advisor	NOUN
cjfa-16357	194	47	…	…	PUNCT
cjfa-16357	194	48	83	83	NUM
cjfa-16357	194	49	fund	fund	NOUN
cjfa-16357	194	50	ticker	ticker	PROPN
cjfa-16357	194	51	aum	aum	PROPN
cjfa-16357	194	52	(	(	PUNCT
cjfa-16357	194	53	millions	millions	NUM
cjfa-16357	194	54	usd	usd	NOUN
cjfa-16357	194	55	)	)	PUNCT
cjfa-16357	194	56	expense	expense	NOUN
cjfa-16357	194	57	ratio	ratio	NOUN
cjfa-16357	194	58	(	(	PUNCT
cjfa-16357	194	59	%	%	INTJ
cjfa-16357	194	60	)	)	PUNCT
cjfa-16357	194	61	performance	performance	NOUN
cjfa-16357	194	62	(	(	PUNCT
cjfa-16357	194	63	%	%	INTJ
cjfa-16357	194	64	)	)	PUNCT
cjfa-16357	195	1	+	+	NOUN
cjfa-16357	195	2	/s&p	/s&p	SYM
cjfa-16357	195	3	500	500	NUM
cjfa-16357	195	4	(	(	PUNCT
cjfa-16357	195	5	%	%	NOUN
cjfa-16357	195	6	)	)	PUNCT
cjfa-16357	195	7	1	1	NUM
cjfa-16357	195	8	yr	yr	NOUN
cjfa-16357	195	9	3	3	NUM
cjfa-16357	195	10	yr	yr	NOUN
cjfa-16357	195	11	5	5	NUM
cjfa-16357	195	12	yr	yr	NOUN
cjfa-16357	195	13	10	10	NUM
cjfa-16357	195	14	yr	yr	NOUN
cjfa-16357	195	15	1	1	NUM
cjfa-16357	195	16	yr	yr	NOUN
cjfa-16357	195	17	3	3	NUM
cjfa-16357	195	18	yr	yr	NOUN
cjfa-16357	195	19	5	5	NUM
cjfa-16357	195	20	yr	yr	NOUN
cjfa-16357	195	21	10	10	NUM
cjfa-16357	195	22	yr	yr	NOUN
cjfa-16357	195	23	state	state	PROPN
cjfa-16357	195	24	street	street	PROPN
cjfa-16357	195	25	equity	equity	PROPN
cjfa-16357	195	26	500	500	NUM
cjfa-16357	195	27	index	index	NOUN
cjfa-16357	195	28	a	a	DET
cjfa-16357	195	29	sssvx	sssvx	NOUN
cjfa-16357	195	30	870	870	NUM
cjfa-16357	195	31	0.47	0.47	NUM
cjfa-16357	195	32	20.37	20.37	NUM
cjfa-16357	195	33	9.58	9.58	NUM
cjfa-16357	195	34	13.33	13.33	NUM
cjfa-16357	195	35	7.25	7.25	NUM
cjfa-16357	195	36	-1.08	-1.08	NUM
cjfa-16357	195	37	-0.71	-0.71	NOUN
cjfa-16357	195	38	-0.61	-0.61	NOUN
cjfa-16357	195	39	-0.41	-0.41	NOUN
cjfa-16357	195	40	rydex	rydex	NOUN
cjfa-16357	195	41	s&p	s&p	PROPN
cjfa-16357	195	42	500	500	NUM
cjfa-16357	195	43	fund	fund	NOUN
cjfa-16357	195	44	class	class	NOUN
cjfa-16357	195	45	a	a	DET
cjfa-16357	195	46	rysox	rysox	NOUN
cjfa-16357	195	47	280	280	NUM
cjfa-16357	195	48	1.55	1.55	NUM
cjfa-16357	195	49	19.4	19.4	NUM
cjfa-16357	195	50	8.47	8.47	NUM
cjfa-16357	195	51	12.08	12.08	NUM
cjfa-16357	195	52	6.17	6.17	NUM
cjfa-16357	195	53	-0.7	-0.7	NUM
cjfa-16357	195	54	-0.64	-0.64	X
cjfa-16357	195	55	-0.65	-0.65	ADP
cjfa-16357	195	56	-0.53	-0.53	NOUN
cjfa-16357	195	57	qs	qs	PROPN
cjfa-16357	195	58	s&p	s&p	PROPN
cjfa-16357	195	59	500	500	NUM
cjfa-16357	195	60	index	index	NOUN
cjfa-16357	195	61	fund	fund	NOUN
cjfa-16357	195	62	class	class	NOUN
cjfa-16357	195	63	a	a	DET
cjfa-16357	195	64	sbspx	sbspx	NOUN
cjfa-16357	195	65	250	250	NUM
cjfa-16357	195	66	0.59	0.59	NUM
cjfa-16357	195	67	20.79	20.79	NUM
cjfa-16357	195	68	9.67	9.67	NUM
cjfa-16357	195	69	13.3	13.3	NUM
cjfa-16357	195	70	7.08	7.08	NUM
cjfa-16357	195	71	-0.65	-0.65	ADP
cjfa-16357	195	72	-0.62	-0.62	NUM
cjfa-16357	195	73	-0.63	-0.63	NUM
cjfa-16357	195	74	-0.57	-0.57	PROPN
cjfa-16357	195	75	victory	victory	NOUN
cjfa-16357	195	76	s&p	s&p	PROPN
cjfa-16357	195	77	500	500	NUM
cjfa-16357	195	78	index	index	NOUN
cjfa-16357	195	79	fund	fund	NOUN
cjfa-16357	195	80	class	class	NOUN
cjfa-16357	195	81	a	a	DET
cjfa-16357	195	82	muxax	muxax	NOUN
cjfa-16357	195	83	250	250	NUM
cjfa-16357	195	84	0.58	0.58	NUM
cjfa-16357	195	85	20.91	20.91	NUM
cjfa-16357	195	86	9.68	9.68	NUM
cjfa-16357	195	87	13.23	13.23	NUM
cjfa-16357	195	88	7.02	7.02	NUM
cjfa-16357	195	89	-0.54	-0.54	NOUN
cjfa-16357	195	90	-0.62	-0.62	NUM
cjfa-16357	195	91	-0.71	-0.71	NOUN
cjfa-16357	195	92	-0.64	-0.64	NUM
cjfa-16357	195	93	pnc	pnc	NOUN
cjfa-16357	195	94	s&p	s&p	PROPN
cjfa-16357	195	95	500	500	NUM
cjfa-16357	195	96	index	index	NOUN
cjfa-16357	195	97	fund	fund	NOUN
cjfa-16357	195	98	class	class	NOUN
cjfa-16357	195	99	a	a	DET
cjfa-16357	195	100	piiax	piiax	NOUN
cjfa-16357	195	101	160	160	NUM
cjfa-16357	195	102	0.44	0.44	NUM
cjfa-16357	195	103	20.81	20.81	NUM
cjfa-16357	195	104	9.65	9.65	NUM
cjfa-16357	195	105	13.32	13.32	NUM
cjfa-16357	195	106	7.1	7.1	NUM
cjfa-16357	195	107	-0.63	-0.63	NUM
cjfa-16357	195	108	-0.64	-0.64	NUM
cjfa-16357	195	109	-0.62	-0.62	NUM
cjfa-16357	195	110	-0.55	-0.55	NUM
cjfa-16357	195	111	average	average	ADJ
cjfa-16357	195	112	27075	27075	NUM
cjfa-16357	195	113	0.51	0.51	NUM
cjfa-16357	195	114	20.86	20.86	NUM
cjfa-16357	195	115	9.71	9.71	NUM
cjfa-16357	195	116	13.34	13.34	NUM
cjfa-16357	195	117	7.13	7.13	NUM
cjfa-16357	195	118	-0.70	-0.70	NUM
cjfa-16357	195	119	-0.51	-0.51	NOUN
cjfa-16357	195	120	-0.55	-0.55	NUM
cjfa-16357	195	121	-0.47	-0.47	DET
cjfa-16357	195	122	median	median	NOUN
cjfa-16357	195	123	2000	2000	NUM
cjfa-16357	195	124	0.53	0.53	NUM
cjfa-16357	195	125	s	s	PART
cjfa-16357	195	126	o	o	X
cjfa-16357	195	127	u	u	NOUN
cjfa-16357	195	128	r	r	NOUN
cjfa-16357	195	129	c	c	NOUN
cjfa-16357	195	130	e	e	NOUN
cjfa-16357	195	131	:	:	PUNCT
cjfa-16357	195	132	author	author	NOUN
cjfa-16357	195	133	’s	’s	PART
cjfa-16357	195	134	own	own	ADJ
cjfa-16357	195	135	elaboration	elaboration	NOUN
cjfa-16357	195	136	based	base	VERB
cjfa-16357	195	137	on	on	ADP
cjfa-16357	195	138	:	:	PUNCT
cjfa-16357	195	139	data	datum	NOUN
cjfa-16357	195	140	source	source	NOUN
cjfa-16357	195	141	:	:	PUNCT
cjfa-16357	195	142	morningstar	morningstar	PROPN
cjfa-16357	195	143	15.03.2017	15.03.2017	NUM
cjfa-16357	195	144	.	.	PUNCT
cjfa-16357	196	1	there	there	PRON
cjfa-16357	196	2	is	be	VERB
cjfa-16357	196	3	as	as	ADV
cjfa-16357	196	4	many	many	ADJ
cjfa-16357	196	5	answers	answer	NOUN
cjfa-16357	196	6	as	as	ADP
cjfa-16357	196	7	many	many	ADJ
cjfa-16357	196	8	unique	unique	ADJ
cjfa-16357	196	9	features	feature	NOUN
cjfa-16357	196	10	of	of	ADP
cjfa-16357	196	11	etfs	etfs	NOUN
cjfa-16357	196	12	,	,	PUNCT
cjfa-16357	196	13	but	but	CCONJ
cjfa-16357	196	14	one	one	NUM
cjfa-16357	196	15	of	of	ADP
cjfa-16357	196	16	them	they	PRON
cjfa-16357	196	17	is	be	AUX
cjfa-16357	196	18	expense	expense	NOUN
cjfa-16357	196	19	ratio	ratio	NOUN
cjfa-16357	196	20	.	.	PUNCT
cjfa-16357	197	1	comparing	compare	VERB
cjfa-16357	197	2	average	average	ADJ
cjfa-16357	197	3	expense	expense	NOUN
cjfa-16357	197	4	ratio	ratio	NOUN
cjfa-16357	197	5	of	of	ADP
cjfa-16357	197	6	0.51	0.51	NUM
cjfa-16357	197	7	%	%	NOUN
cjfa-16357	197	8	for	for	ADP
cjfa-16357	197	9	mutual	mutual	ADJ
cjfa-16357	197	10	funds	fund	NOUN
cjfa-16357	197	11	and	and	CCONJ
cjfa-16357	197	12	0.06	0.06	NUM
cjfa-16357	197	13	%	%	NOUN
cjfa-16357	197	14	for	for	ADP
cjfa-16357	197	15	etfs	etfs	NOUN
cjfa-16357	197	16	,	,	PUNCT
cjfa-16357	197	17	the	the	DET
cjfa-16357	197	18	choice	choice	NOUN
cjfa-16357	197	19	of	of	ADP
cjfa-16357	197	20	conscious	conscious	ADJ
cjfa-16357	197	21	investor	investor	NOUN
cjfa-16357	197	22	is	be	AUX
cjfa-16357	197	23	simple	simple	ADJ
cjfa-16357	197	24	.	.	PUNCT
cjfa-16357	198	1	especially	especially	ADV
cjfa-16357	198	2	considering	consider	VERB
cjfa-16357	198	3	that	that	SCONJ
cjfa-16357	198	4	index	index	NOUN
cjfa-16357	198	5	tracking	track	VERB
cjfa-16357	198	6	etfs	etfs	PROPN
cjfa-16357	198	7	perform	perform	VERB
cjfa-16357	198	8	slightly	slightly	ADV
cjfa-16357	198	9	better	well	ADJ
cjfa-16357	198	10	than	than	ADP
cjfa-16357	198	11	mutual	mutual	ADJ
cjfa-16357	198	12	funds	fund	NOUN
cjfa-16357	198	13	.	.	PUNCT
cjfa-16357	199	1	in	in	ADP
cjfa-16357	199	2	one	one	NUM
cjfa-16357	199	3	year	year	NOUN
cjfa-16357	199	4	period	period	NOUN
cjfa-16357	199	5	the	the	DET
cjfa-16357	199	6	investor	investor	NOUN
cjfa-16357	199	7	can	can	AUX
cjfa-16357	199	8	earn	earn	VERB
cjfa-16357	199	9	0.40	0.40	NUM
cjfa-16357	199	10	%	%	NOUN
cjfa-16357	199	11	more	more	ADJ
cjfa-16357	199	12	investing	investing	NOUN
cjfa-16357	199	13	in	in	ADP
cjfa-16357	199	14	etfs	etfs	PROPN
cjfa-16357	199	15	.	.	PUNCT
cjfa-16357	200	1	comparing	compare	VERB
cjfa-16357	200	2	performance	performance	NOUN
cjfa-16357	200	3	in	in	ADP
cjfa-16357	200	4	terms	term	NOUN
cjfa-16357	200	5	of	of	ADP
cjfa-16357	200	6	retirement	retirement	NOUN
cjfa-16357	200	7	–	–	PUNCT
cjfa-16357	200	8	10	10	NUM
cjfa-16357	200	9	year	year	NOUN
cjfa-16357	200	10	return	return	NOUN
cjfa-16357	200	11	rate	rate	NOUN
cjfa-16357	200	12	differs	differ	VERB
cjfa-16357	200	13	by	by	ADP
cjfa-16357	200	14	0.45	0.45	NUM
cjfa-16357	200	15	%	%	NOUN
cjfa-16357	200	16	.	.	PUNCT
cjfa-16357	201	1	what	what	PRON
cjfa-16357	201	2	is	be	AUX
cjfa-16357	201	3	more	more	ADJ
cjfa-16357	201	4	,	,	PUNCT
cjfa-16357	201	5	exchange	exchange	NOUN
cjfa-16357	201	6	traded	trade	VERB
cjfa-16357	201	7	funds	fund	NOUN
cjfa-16357	201	8	more	more	ADV
cjfa-16357	201	9	accurately	accurately	ADV
cjfa-16357	201	10	track	track	VERB
cjfa-16357	201	11	their	their	PRON
cjfa-16357	201	12	underlying	underlying	ADJ
cjfa-16357	201	13	index	index	NOUN
cjfa-16357	201	14	.	.	PUNCT
cjfa-16357	202	1	during	during	ADP
cjfa-16357	202	2	last	last	ADJ
cjfa-16357	202	3	5	5	NUM
cjfa-16357	202	4	years	year	NOUN
cjfa-16357	202	5	average	average	ADJ
cjfa-16357	202	6	difference	difference	NOUN
cjfa-16357	202	7	between	between	ADP
cjfa-16357	202	8	etfs	etfs	NOUN
cjfa-16357	202	9	performance	performance	NOUN
cjfa-16357	202	10	and	and	CCONJ
cjfa-16357	202	11	s&p	s&p	PROPN
cjfa-16357	202	12	500	500	NUM
cjfa-16357	202	13	is	be	AUX
cjfa-16357	202	14	only	only	ADV
cjfa-16357	202	15	0.01	0.01	NUM
cjfa-16357	202	16	%	%	NOUN
cjfa-16357	202	17	.	.	PUNCT
cjfa-16357	203	1	while	while	SCONJ
cjfa-16357	203	2	mutual	mutual	ADJ
cjfa-16357	203	3	funds	fund	NOUN
cjfa-16357	203	4	brought	bring	VERB
cjfa-16357	203	5	0.55	0.55	NUM
cjfa-16357	203	6	%	%	NOUN
cjfa-16357	203	7	less	less	ADJ
cjfa-16357	203	8	return	return	NOUN
cjfa-16357	203	9	than	than	ADP
cjfa-16357	203	10	their	their	PRON
cjfa-16357	203	11	underlying	underlie	VERB
cjfa-16357	203	12	index	index	NOUN
cjfa-16357	203	13	.	.	PUNCT
cjfa-16357	204	1	relating	relate	VERB
cjfa-16357	204	2	those	those	DET
cjfa-16357	204	3	findings	finding	NOUN
cjfa-16357	204	4	to	to	ADP
cjfa-16357	204	5	retirement	retirement	NOUN
cjfa-16357	204	6	considerations	consideration	NOUN
cjfa-16357	204	7	it	it	PRON
cjfa-16357	204	8	’s	’	VERB
cjfa-16357	204	9	hard	hard	ADJ
cjfa-16357	204	10	not	not	PART
cjfa-16357	204	11	to	to	PART
cjfa-16357	204	12	come	come	VERB
cjfa-16357	204	13	to	to	ADP
cjfa-16357	204	14	conclusion	conclusion	NOUN
cjfa-16357	204	15	,	,	PUNCT
cjfa-16357	204	16	that	that	SCONJ
cjfa-16357	204	17	index	index	NOUN
cjfa-16357	204	18	tracking	track	VERB
cjfa-16357	204	19	etfs	etfs	NOUN
cjfa-16357	204	20	are	be	AUX
cjfa-16357	204	21	better	well	ADJ
cjfa-16357	204	22	choice	choice	NOUN
cjfa-16357	204	23	than	than	ADP
cjfa-16357	204	24	traditional	traditional	ADJ
cjfa-16357	204	25	mutual	mutual	ADJ
cjfa-16357	204	26	funds	fund	NOUN
cjfa-16357	204	27	because	because	SCONJ
cjfa-16357	204	28	of	of	ADP
cjfa-16357	204	29	their	their	PRON
cjfa-16357	204	30	cost	cost	NOUN
cjfa-16357	204	31	effectiveness	effectiveness	NOUN
cjfa-16357	204	32	,	,	PUNCT
cjfa-16357	204	33	performance	performance	NOUN
cjfa-16357	204	34	and	and	CCONJ
cjfa-16357	204	35	accuracy	accuracy	NOUN
cjfa-16357	204	36	.	.	PUNCT
cjfa-16357	205	1	table	table	NOUN
cjfa-16357	205	2	1	1	NUM
cjfa-16357	205	3	.	.	PUNCT
cjfa-16357	205	4	mutual	mutual	ADJ
cjfa-16357	205	5	funds	fund	NOUN
cjfa-16357	205	6	tracking	track	VERB
cjfa-16357	205	7	s&p	s&p	PROPN
cjfa-16357	205	8	500	500	NUM
cjfa-16357	205	9	expense	expense	NOUN
cjfa-16357	205	10	ratio	ratio	NOUN
cjfa-16357	205	11	and	and	CCONJ
cjfa-16357	205	12	performance	performance	NOUN
cjfa-16357	205	13	kamil	kamil	PROPN
cjfa-16357	205	14	nowak84	nowak84	NOUN
cjfa-16357	205	15	table	table	NOUN
cjfa-16357	205	16	2	2	NUM
cjfa-16357	205	17	.	.	PUNCT
cjfa-16357	206	1	etfs	etfs	PROPN
cjfa-16357	206	2	tracking	track	VERB
cjfa-16357	206	3	s&p	s&p	PROPN
cjfa-16357	206	4	500	500	NUM
cjfa-16357	206	5	expense	expense	NOUN
cjfa-16357	206	6	ratio	ratio	NOUN
cjfa-16357	206	7	and	and	CCONJ
cjfa-16357	206	8	performance	performance	NOUN
cjfa-16357	206	9	fund	fund	NOUN
cjfa-16357	206	10	ticker	ticker	PROPN
cjfa-16357	206	11	aum	aum	PROPN
cjfa-16357	206	12	(	(	PUNCT
cjfa-16357	206	13	millions	millions	NUM
cjfa-16357	206	14	usd	usd	NOUN
cjfa-16357	206	15	)	)	PUNCT
cjfa-16357	206	16	expense	expense	NOUN
cjfa-16357	206	17	ratio	ratio	NOUN
cjfa-16357	206	18	(	(	PUNCT
cjfa-16357	206	19	%	%	INTJ
cjfa-16357	206	20	)	)	PUNCT
cjfa-16357	206	21	performance	performance	NOUN
cjfa-16357	206	22	(	(	PUNCT
cjfa-16357	206	23	%	%	INTJ
cjfa-16357	206	24	)	)	PUNCT
cjfa-16357	207	1	+	+	NOUN
cjfa-16357	207	2	/s&p	/s&p	SYM
cjfa-16357	207	3	500	500	NUM
cjfa-16357	207	4	(	(	PUNCT
cjfa-16357	207	5	%	%	NOUN
cjfa-16357	207	6	)	)	PUNCT
cjfa-16357	207	7	1	1	NUM
cjfa-16357	207	8	yr	yr	NOUN
cjfa-16357	207	9	3	3	NUM
cjfa-16357	207	10	yr	yr	NOUN
cjfa-16357	207	11	5	5	NUM
cjfa-16357	207	12	yr	yr	NOUN
cjfa-16357	207	13	10	10	NUM
cjfa-16357	207	14	yr	yr	NOUN
cjfa-16357	207	15	1	1	NUM
cjfa-16357	207	16	yr	yr	NOUN
cjfa-16357	207	17	3	3	NUM
cjfa-16357	207	18	yr	yr	NOUN
cjfa-16357	207	19	5	5	NUM
cjfa-16357	207	20	yr	yr	NOUN
cjfa-16357	207	21	10	10	NUM
cjfa-16357	207	22	yr	yr	NOUN
cjfa-16357	207	23	s&p	s&p	PROPN
cjfa-16357	207	24	500	500	NUM
cjfa-16357	207	25	index	index	NOUN
cjfa-16357	207	26	21.00	21.00	NUM
cjfa-16357	207	27	10.28	10.28	NUM
cjfa-16357	207	28	13.97	13.97	NUM
cjfa-16357	207	29	7.66	7.66	NUM
cjfa-16357	207	30	–	–	PUNCT
cjfa-16357	207	31	–	–	PUNCT
cjfa-16357	207	32	–	–	PUNCT
cjfa-16357	207	33	–	–	PUNCT
cjfa-16357	207	34	spdr	spdr	NOUN
cjfa-16357	207	35	s&p	s&p	PROPN
cjfa-16357	207	36	500	500	NUM
cjfa-16357	207	37	etf	etf	NOUN
cjfa-16357	207	38	spy	spy	NOUN
cjfa-16357	207	39	210	210	NUM
cjfa-16357	207	40	0.09	0.09	NUM
cjfa-16357	207	41	21.35	21.35	NUM
cjfa-16357	207	42	10.17	10.17	NUM
cjfa-16357	207	43	13.84	13.84	NUM
cjfa-16357	207	44	7.56	7.56	NUM
cjfa-16357	207	45	0.35	0.35	NUM
cjfa-16357	207	46	-0.11	-0.11	NUM
cjfa-16357	207	47	-0.13	-0.13	NUM
cjfa-16357	207	48	-0.10	-0.10	NUM
cjfa-16357	207	49	ishares	ishares	PROPN
cjfa-16357	207	50	core	core	PROPN
cjfa-16357	207	51	s&p	s&p	PROPN
cjfa-16357	207	52	500	500	NUM
cjfa-16357	207	53	etf	etf	NOUN
cjfa-16357	207	54	ivv	ivv	VERB
cjfa-16357	207	55	100	100	NUM
cjfa-16357	207	56	0.04	0.04	NUM
cjfa-16357	207	57	21.00	21.00	NUM
cjfa-16357	207	58	10.22	10.22	NUM
cjfa-16357	207	59	13.91	13.91	NUM
cjfa-16357	207	60	7.60	7.60	NUM
cjfa-16357	207	61	0.00	0.00	NUM
cjfa-16357	207	62	0.06	0.06	NUM
cjfa-16357	207	63	0.06	0.06	NUM
cjfa-16357	207	64	0.04	0.04	NUM
cjfa-16357	207	65	vanguard	vanguard	NOUN
cjfa-16357	207	66	s&p	s&p	PROPN
cjfa-16357	207	67	500	500	NUM
cjfa-16357	207	68	etf	etf	NOUN
cjfa-16357	207	69	voo	voo	NOUN
cjfa-16357	207	70	60	60	NUM
cjfa-16357	207	71	0.05	0.05	NUM
cjfa-16357	207	72	21.44	21.44	NUM
cjfa-16357	207	73	10.25	10.25	NUM
cjfa-16357	207	74	13.93	13.93	NUM
cjfa-16357	207	75	–	–	PUNCT
cjfa-16357	207	76	-0.44	-0.44	NUM
cjfa-16357	207	77	0.03	0.03	NUM
cjfa-16357	207	78	0.04	0.04	NUM
cjfa-16357	207	79	–	–	PUNCT
cjfa-16357	207	80	average	average	ADJ
cjfa-16357	207	81	123.33	123.33	NUM
cjfa-16357	207	82	0.06	0.06	NUM
cjfa-16357	207	83	21.26	21.26	NUM
cjfa-16357	207	84	10.21	10.21	NUM
cjfa-16357	207	85	13.89	13.89	NUM
cjfa-16357	207	86	7.58	7.58	NUM
cjfa-16357	207	87	-0.03	-0.03	NUM
cjfa-16357	207	88	-0.01	-0.01	NUM
cjfa-16357	207	89	-0.01	-0.01	NUM
cjfa-16357	207	90	-0.03	-0.03	NUM
cjfa-16357	207	91	median	median	NOUN
cjfa-16357	207	92	100	100	NUM
cjfa-16357	207	93	0.05	0.05	NUM
cjfa-16357	207	94	s	s	NOUN
cjfa-16357	207	95	o	o	NOUN
cjfa-16357	207	96	u	u	NOUN
cjfa-16357	207	97	r	r	NOUN
cjfa-16357	207	98	c	c	NOUN
cjfa-16357	207	99	e	e	NOUN
cjfa-16357	207	100	:	:	PUNCT
cjfa-16357	207	101	author	author	NOUN
cjfa-16357	207	102	’s	’s	PART
cjfa-16357	207	103	own	own	ADJ
cjfa-16357	207	104	elaboration	elaboration	NOUN
cjfa-16357	207	105	based	base	VERB
cjfa-16357	207	106	on	on	ADP
cjfa-16357	207	107	:	:	PUNCT
cjfa-16357	207	108	data	datum	NOUN
cjfa-16357	207	109	source	source	NOUN
cjfa-16357	207	110	:	:	PUNCT
cjfa-16357	207	111	morningstar	morningstar	PROPN
cjfa-16357	207	112	15.03.2017	15.03.2017	NUM
cjfa-16357	207	113	.	.	PUNCT
cjfa-16357	208	1	what	what	PRON
cjfa-16357	208	2	about	about	ADP
cjfa-16357	208	3	other	other	ADJ
cjfa-16357	208	4	types	type	NOUN
cjfa-16357	208	5	of	of	ADP
cjfa-16357	208	6	funds	fund	NOUN
cjfa-16357	208	7	then	then	ADV
cjfa-16357	208	8	?	?	PUNCT
cjfa-16357	209	1	tables	table	NOUN
cjfa-16357	209	2	3	3	NUM
cjfa-16357	209	3	,	,	PUNCT
cjfa-16357	209	4	4	4	NUM
cjfa-16357	209	5	,	,	PUNCT
cjfa-16357	209	6	5	5	NUM
cjfa-16357	209	7	and	and	CCONJ
cjfa-16357	209	8	6	6	NUM
cjfa-16357	209	9	present	present	ADJ
cjfa-16357	209	10	most	most	ADV
cjfa-16357	209	11	popular	popular	ADJ
cjfa-16357	209	12	mutual	mutual	ADJ
cjfa-16357	209	13	funds	fund	NOUN
cjfa-16357	209	14	and	and	CCONJ
cjfa-16357	209	15	their	their	PRON
cjfa-16357	209	16	etf	etf	NOUN
cjfa-16357	209	17	alternatives	alternative	NOUN
cjfa-16357	209	18	proposed	propose	VERB
cjfa-16357	209	19	by	by	ADP
cjfa-16357	209	20	etfdb.com	etfdb.com	X
cjfa-16357	209	21	mutual	mutual	ADJ
cjfa-16357	209	22	fund	fund	NOUN
cjfa-16357	209	23	to	to	ADP
cjfa-16357	209	24	etf	etf	NOUN
cjfa-16357	209	25	converter	converter	NOUN
cjfa-16357	209	26	tool	tool	NOUN
cjfa-16357	209	27	(	(	PUNCT
cjfa-16357	209	28	www.etfdb.com	www.etfdb.com	NOUN
cjfa-16357	209	29	)	)	PUNCT
cjfa-16357	209	30	,	,	PUNCT
cjfa-16357	209	31	which	which	PRON
cjfa-16357	209	32	utilizes	utilize	VERB
cjfa-16357	209	33	mutual	mutual	ADJ
cjfa-16357	209	34	funds	fund	NOUN
cjfa-16357	209	35	benchmarks	benchmark	NOUN
cjfa-16357	209	36	to	to	PART
cjfa-16357	209	37	find	find	VERB
cjfa-16357	209	38	the	the	DET
cjfa-16357	209	39	most	most	ADV
cjfa-16357	209	40	corresponding	corresponding	ADJ
cjfa-16357	209	41	etfs	etfs	PROPN
cjfa-16357	209	42	linked	link	VERB
cjfa-16357	209	43	to	to	ADP
cjfa-16357	209	44	the	the	DET
cjfa-16357	209	45	same	same	ADJ
cjfa-16357	209	46	benchmark	benchmark	NOUN
cjfa-16357	209	47	.	.	PUNCT
cjfa-16357	210	1	table	table	NOUN
cjfa-16357	210	2	3	3	NUM
cjfa-16357	210	3	.	.	X
cjfa-16357	210	4	money	money	NOUN
cjfa-16357	210	5	market	market	NOUN
cjfa-16357	210	6	etfs	etfs	NOUN
cjfa-16357	210	7	and	and	CCONJ
cjfa-16357	210	8	mutual	mutual	ADJ
cjfa-16357	210	9	funds	fund	NOUN
cjfa-16357	210	10	expense	expense	NOUN
cjfa-16357	210	11	ratio	ratio	NOUN
cjfa-16357	210	12	and	and	CCONJ
cjfa-16357	210	13	performance	performance	NOUN
cjfa-16357	210	14	comparison	comparison	NOUN
cjfa-16357	210	15	fund	fund	PROPN
cjfa-16357	210	16	ticker	ticker	PROPN
cjfa-16357	210	17	aum	aum	PROPN
cjfa-16357	210	18	(	(	PUNCT
cjfa-16357	210	19	millions	millions	NUM
cjfa-16357	210	20	usd	usd	NOUN
cjfa-16357	210	21	)	)	PUNCT
cjfa-16357	210	22	expense	expense	NOUN
cjfa-16357	210	23	ratio	ratio	NOUN
cjfa-16357	210	24	(	(	PUNCT
cjfa-16357	210	25	%	%	INTJ
cjfa-16357	210	26	)	)	PUNCT
cjfa-16357	210	27	performance	performance	NOUN
cjfa-16357	210	28	(	(	PUNCT
cjfa-16357	210	29	%	%	INTJ
cjfa-16357	210	30	)	)	PUNCT
cjfa-16357	211	1	+	+	ADJ
cjfa-16357	211	2	/benchmark	/benchmark	INTJ
cjfa-16357	211	3	(	(	PUNCT
cjfa-16357	211	4	%	%	NOUN
cjfa-16357	211	5	)	)	PUNCT
cjfa-16357	211	6	1	1	NUM
cjfa-16357	211	7	yr	yr	NOUN
cjfa-16357	211	8	3	3	NUM
cjfa-16357	211	9	yr	yr	NOUN
cjfa-16357	211	10	5	5	NUM
cjfa-16357	211	11	yr	yr	NOUN
cjfa-16357	211	12	10	10	NUM
cjfa-16357	211	13	yr	yr	NOUN
cjfa-16357	211	14	1	1	NUM
cjfa-16357	211	15	yr	yr	NOUN
cjfa-16357	211	16	3	3	NUM
cjfa-16357	211	17	yr	yr	NOUN
cjfa-16357	211	18	5	5	NUM
cjfa-16357	211	19	yr	yr	NOUN
cjfa-16357	211	20	10	10	NUM
cjfa-16357	211	21	yr	yr	NOUN
cjfa-16357	211	22	fidelity	fidelity	PROPN
cjfa-16357	211	23	cash	cash	NOUN
cjfa-16357	211	24	reserves	reserve	NOUN
cjfa-16357	211	25	fdrxx	fdrxx	VERB
cjfa-16357	211	26	1360800	1360800	NUM
cjfa-16357	211	27	0.37	0.37	NUM
cjfa-16357	211	28	0.09	0.09	NUM
cjfa-16357	211	29	0.04	0.04	NUM
cjfa-16357	211	30	0.03	0.03	NUM
cjfa-16357	211	31	0.86	0.86	NUM
cjfa-16357	211	32	-0.29	-0.29	NUM
cjfa-16357	211	33	-0.13	-0.13	NUM
cjfa-16357	211	34	-0.1	-0.1	PROPN
cjfa-16357	211	35	0.23	0.23	NUM
cjfa-16357	211	36	jpmorgan	jpmorgan	PROPN
cjfa-16357	211	37	u.s	u.s	PROPN
cjfa-16357	211	38	.	.	PROPN
cjfa-16357	211	39	government	government	NOUN
cjfa-16357	211	40	money	money	NOUN
cjfa-16357	211	41	market	market	NOUN
cjfa-16357	211	42	fund	fund	NOUN
cjfa-16357	211	43	mjgxx	mjgxx	PROPN
cjfa-16357	211	44	149400	149400	NUM
cjfa-16357	211	45	0.17	0.17	NUM
cjfa-16357	211	46	0.02	0.02	NUM
cjfa-16357	211	47	0.01	0.01	NUM
cjfa-16357	211	48	0.01	0.01	NUM
cjfa-16357	211	49	0.6	0.6	NUM
cjfa-16357	211	50	-0.36	-0.36	NUM
cjfa-16357	211	51	-0.16	-0.16	NUM
cjfa-16357	211	52	-0.12	-0.12	NUM
cjfa-16357	211	53	-0.03	-0.03	NUM
cjfa-16357	211	54	gs	gs	INTJ
cjfa-16357	211	55	financial	financial	ADJ
cjfa-16357	211	56	square	square	PROPN
cjfa-16357	211	57	government	government	NOUN
cjfa-16357	211	58	fund	fund	NOUN
cjfa-16357	211	59	fgtxx	fgtxx	VERB
cjfa-16357	211	60	92600	92600	NUM
cjfa-16357	211	61	0.18	0.18	NUM
cjfa-16357	211	62	0.34	0.34	NUM
cjfa-16357	211	63	0.14	0.14	NUM
cjfa-16357	211	64	0.09	0.09	NUM
cjfa-16357	211	65	0.72	0.72	NUM
cjfa-16357	211	66	-0.04	-0.04	NUM
cjfa-16357	211	67	-0.03	-0.03	NUM
cjfa-16357	211	68	-0.04	-0.04	NUM
cjfa-16357	211	69	0.09	0.09	NUM
cjfa-16357	211	70	vanguard	vanguard	NOUN
cjfa-16357	211	71	federal	federal	ADJ
cjfa-16357	211	72	money	money	NOUN
cjfa-16357	211	73	market	market	NOUN
cjfa-16357	211	74	fund	fund	NOUN
cjfa-16357	211	75	vmfxx	vmfxx	VERB
cjfa-16357	211	76	71000	71000	NUM
cjfa-16357	211	77	0.11	0.11	NUM
cjfa-16357	211	78	0.35	0.35	NUM
cjfa-16357	211	79	0.15	0.15	NUM
cjfa-16357	211	80	0.1	0.1	NUM
cjfa-16357	211	81	0.73	0.73	NUM
cjfa-16357	211	82	-0.03	-0.03	NUM
cjfa-16357	211	83	-0.02	-0.02	NUM
cjfa-16357	211	84	-0.03	-0.03	NUM
cjfa-16357	211	85	0.1	0.1	NUM
cjfa-16357	211	86	low	low	ADJ
cjfa-16357	211	87	cost	cost	NOUN
cjfa-16357	211	88	retirement	retirement	NOUN
cjfa-16357	211	89	solutions	solution	NOUN
cjfa-16357	211	90	based	base	VERB
cjfa-16357	211	91	on	on	ADP
cjfa-16357	211	92	robo	robo	NOUN
cjfa-16357	211	93	-	-	PUNCT
cjfa-16357	211	94	advisors	advisor	NOUN
cjfa-16357	211	95	…	…	SYM
cjfa-16357	211	96	85	85	NUM
cjfa-16357	211	97	fund	fund	NOUN
cjfa-16357	211	98	ticker	ticker	PROPN
cjfa-16357	211	99	aum	aum	PROPN
cjfa-16357	211	100	(	(	PUNCT
cjfa-16357	211	101	millions	millions	NUM
cjfa-16357	211	102	usd	usd	NOUN
cjfa-16357	211	103	)	)	PUNCT
cjfa-16357	211	104	expense	expense	NOUN
cjfa-16357	211	105	ratio	ratio	NOUN
cjfa-16357	211	106	(	(	PUNCT
cjfa-16357	211	107	%	%	INTJ
cjfa-16357	211	108	)	)	PUNCT
cjfa-16357	211	109	performance	performance	NOUN
cjfa-16357	211	110	(	(	PUNCT
cjfa-16357	211	111	%	%	INTJ
cjfa-16357	211	112	)	)	PUNCT
cjfa-16357	212	1	+	+	ADJ
cjfa-16357	212	2	/benchmark	/benchmark	INTJ
cjfa-16357	212	3	(	(	PUNCT
cjfa-16357	212	4	%	%	NOUN
cjfa-16357	212	5	)	)	PUNCT
cjfa-16357	212	6	1	1	NUM
cjfa-16357	212	7	yr	yr	NOUN
cjfa-16357	212	8	3	3	NUM
cjfa-16357	212	9	yr	yr	NOUN
cjfa-16357	212	10	5	5	NUM
cjfa-16357	212	11	yr	yr	NOUN
cjfa-16357	212	12	10	10	NUM
cjfa-16357	212	13	yr	yr	NOUN
cjfa-16357	212	14	1	1	NUM
cjfa-16357	212	15	yr	yr	NOUN
cjfa-16357	212	16	3	3	NUM
cjfa-16357	212	17	yr	yr	NOUN
cjfa-16357	212	18	5	5	NUM
cjfa-16357	212	19	yr	yr	NOUN
cjfa-16357	212	20	10	10	NUM
cjfa-16357	212	21	yr	yr	PROPN
cjfa-16357	212	22	wells	wells	PROPN
cjfa-16357	212	23	fargo	fargo	PROPN
cjfa-16357	212	24	government	government	PROPN
cjfa-16357	212	25	money	money	NOUN
cjfa-16357	212	26	market	market	NOUN
cjfa-16357	212	27	fund	fund	NOUN
cjfa-16357	212	28	wfgxx	wfgxx	NOUN
cjfa-16357	212	29	62100	62100	NUM
cjfa-16357	212	30	0.13	0.13	NUM
cjfa-16357	212	31	0.01	0.01	NUM
cjfa-16357	212	32	0.01	0.01	NUM
cjfa-16357	212	33	0.01	0.01	NUM
cjfa-16357	212	34	0.53	0.53	NUM
cjfa-16357	212	35	-0.37	-0.37	NUM
cjfa-16357	212	36	-0.16	-0.16	NUM
cjfa-16357	212	37	-0.12	-0.12	NUM
cjfa-16357	212	38	-0.1	-0.1	PROPN
cjfa-16357	212	39	average	average	NOUN
cjfa-16357	212	40	0.19	0.19	NUM
cjfa-16357	212	41	0.16	0.16	NUM
cjfa-16357	212	42	0.07	0.07	NUM
cjfa-16357	212	43	0.05	0.05	NUM
cjfa-16357	212	44	0.69	0.69	NUM
cjfa-16357	212	45	-0.22	-0.22	NUM
cjfa-16357	212	46	-0.10	-0.10	NUM
cjfa-16357	212	47	-0.08	-0.08	NUM
cjfa-16357	212	48	0.06	0.06	NUM
cjfa-16357	212	49	median	median	NOUN
cjfa-16357	212	50	0.17	0.17	NUM
cjfa-16357	212	51	ustreas	ustreas	ADJ
cjfa-16357	212	52	treasury	treasury	NOUN
cjfa-16357	212	53	bill	bill	NOUN
cjfa-16357	212	54	auction	auction	NOUN
cjfa-16357	212	55	average	average	ADJ
cjfa-16357	212	56	3	3	NUM
cjfa-16357	212	57	month	month	NOUN
cjfa-16357	212	58	0.38	0.38	NUM
cjfa-16357	212	59	0.17	0.17	NUM
cjfa-16357	212	60	0.13	0.13	NUM
cjfa-16357	212	61	0.63	0.63	NUM
cjfa-16357	212	62	pimco	pimco	NOUN
cjfa-16357	212	63	enhanced	enhance	VERB
cjfa-16357	212	64	short	short	ADJ
cjfa-16357	212	65	maturity	maturity	NOUN
cjfa-16357	212	66	active	active	ADJ
cjfa-16357	212	67	exchange	exchange	NOUN
cjfa-16357	212	68	-	-	PUNCT
cjfa-16357	212	69	traded	trade	VERB
cjfa-16357	212	70	fund	fund	NOUN
cjfa-16357	212	71	mint	mint	PROPN
cjfa-16357	212	72	6387	6387	NUM
cjfa-16357	212	73	0.35	0.35	NUM
cjfa-16357	212	74	1.74	1.74	NUM
cjfa-16357	212	75	2.7	2.7	NUM
cjfa-16357	212	76	5.06	5.06	NUM
cjfa-16357	212	77	–	–	PUNCT
cjfa-16357	212	78	1.36	1.36	NUM
cjfa-16357	212	79	2.53	2.53	NUM
cjfa-16357	212	80	4.93	4.93	NUM
cjfa-16357	212	81	–	–	PUNCT
cjfa-16357	212	82	ishares	ishares	PROPN
cjfa-16357	212	83	short	short	PROPN
cjfa-16357	212	84	treasury	treasury	PROPN
cjfa-16357	212	85	bond	bond	NOUN
cjfa-16357	212	86	etf	etf	NOUN
cjfa-16357	212	87	shv	shv	PROPN
cjfa-16357	212	88	4620	4620	NUM
cjfa-16357	212	89	0.15	0.15	NUM
cjfa-16357	212	90	0.35	0.35	NUM
cjfa-16357	212	91	0.15	0.15	NUM
cjfa-16357	212	92	0.10	0.10	NUM
cjfa-16357	212	93	0.77	0.77	NUM
cjfa-16357	212	94	-0.03	-0.03	NUM
cjfa-16357	212	95	-0.02	-0.02	NUM
cjfa-16357	212	96	-0.03	-0.03	NUM
cjfa-16357	212	97	0.14	0.14	NUM
cjfa-16357	212	98	guggenheim	guggenheim	PROPN
cjfa-16357	212	99	enhanced	enhance	VERB
cjfa-16357	212	100	short	short	ADJ
cjfa-16357	212	101	duration	duration	NOUN
cjfa-16357	212	102	etf	etf	NOUN
cjfa-16357	212	103	gsy	gsy	PROPN
cjfa-16357	212	104	999	999	NUM
cjfa-16357	212	105	0.3	0.3	NUM
cjfa-16357	212	106	2.06	2.06	NUM
cjfa-16357	212	107	3.76	3.76	NUM
cjfa-16357	212	108	6.16	6.16	NUM
cjfa-16357	212	109	1.68	1.68	NUM
cjfa-16357	212	110	3.59	3.59	NUM
cjfa-16357	212	111	6.03	6.03	NUM
cjfa-16357	212	112	-0.63	-0.63	NOUN
cjfa-16357	212	113	powershares	powershare	NOUN
cjfa-16357	212	114	treasury	treasury	PROPN
cjfa-16357	212	115	collateral	collateral	NOUN
cjfa-16357	212	116	portfolio	portfolio	NOUN
cjfa-16357	212	117	cltl	cltl	VERB
cjfa-16357	212	118	370	370	NUM
cjfa-16357	212	119	0.08	0.08	NUM
cjfa-16357	212	120	–	–	PUNCT
cjfa-16357	212	121	–	–	PUNCT
cjfa-16357	212	122	–	–	PUNCT
cjfa-16357	212	123	–	–	PUNCT
cjfa-16357	212	124	–	–	PUNCT
cjfa-16357	212	125	–	–	PUNCT
cjfa-16357	212	126	–	–	PUNCT
cjfa-16357	212	127	–	–	PUNCT
cjfa-16357	212	128	spdr	spdr	NOUN
cjfa-16357	212	129	barclays	barclay	NOUN
cjfa-16357	212	130	1	1	NUM
cjfa-16357	212	131	-	-	SYM
cjfa-16357	212	132	3	3	NUM
cjfa-16357	212	133	month	month	NOUN
cjfa-16357	212	134	t	t	PROPN
cjfa-16357	212	135	-	-	PUNCT
cjfa-16357	212	136	bill	bill	NOUN
cjfa-16357	212	137	etf	etf	NOUN
cjfa-16357	212	138	bil	bil	PROPN
cjfa-16357	212	139	180	180	NUM
cjfa-16357	212	140	0.14	0.14	NUM
cjfa-16357	212	141	0.16	0.16	NUM
cjfa-16357	212	142	-0.04	-0.04	NUM
cjfa-16357	212	143	-0.17	-0.17	NOUN
cjfa-16357	212	144	–	–	PUNCT
cjfa-16357	212	145	-0.22	-0.22	NUM
cjfa-16357	212	146	-0.21	-0.21	NUM
cjfa-16357	212	147	-0.30	-0.30	ADJ
cjfa-16357	212	148	–	–	PUNCT
cjfa-16357	212	149	average	average	ADJ
cjfa-16357	212	150	0.20	0.20	NUM
cjfa-16357	212	151	1.08	1.08	NUM
cjfa-16357	212	152	1.64	1.64	NUM
cjfa-16357	212	153	2.79	2.79	NUM
cjfa-16357	212	154	0.77	0.77	NUM
cjfa-16357	212	155	0.70	0.70	NUM
cjfa-16357	212	156	1.47	1.47	NUM
cjfa-16357	212	157	2.66	2.66	NUM
cjfa-16357	212	158	-0.25	-0.25	NUM
cjfa-16357	212	159	median	median	NOUN
cjfa-16357	213	1	0.15	0.15	NUM
cjfa-16357	213	2	s	s	NOUN
cjfa-16357	213	3	o	o	X
cjfa-16357	213	4	u	u	NOUN
cjfa-16357	213	5	r	r	NOUN
cjfa-16357	213	6	c	c	NOUN
cjfa-16357	213	7	e	e	NOUN
cjfa-16357	213	8	:	:	PUNCT
cjfa-16357	213	9	author	author	NOUN
cjfa-16357	213	10	’s	’s	PART
cjfa-16357	213	11	own	own	ADJ
cjfa-16357	213	12	elaboration	elaboration	NOUN
cjfa-16357	213	13	based	base	VERB
cjfa-16357	213	14	on	on	ADP
cjfa-16357	213	15	:	:	PUNCT
cjfa-16357	213	16	data	datum	NOUN
cjfa-16357	213	17	source	source	NOUN
cjfa-16357	213	18	:	:	PUNCT
cjfa-16357	213	19	morningstar	morningstar	PROPN
cjfa-16357	213	20	15.03.2017	15.03.2017	NUM
cjfa-16357	213	21	.	.	PUNCT
cjfa-16357	214	1	as	as	SCONJ
cjfa-16357	214	2	it	it	PRON
cjfa-16357	214	3	can	can	AUX
cjfa-16357	214	4	be	be	AUX
cjfa-16357	214	5	seen	see	VERB
cjfa-16357	214	6	in	in	ADP
cjfa-16357	214	7	above	above	ADP
cjfa-16357	214	8	table	table	NOUN
cjfa-16357	214	9	,	,	PUNCT
cjfa-16357	214	10	money	money	NOUN
cjfa-16357	214	11	market	market	NOUN
cjfa-16357	214	12	funds	fund	NOUN
cjfa-16357	214	13	and	and	CCONJ
cjfa-16357	214	14	etfs	etfs	NOUN
cjfa-16357	214	15	fees	fee	NOUN
cjfa-16357	214	16	are	be	AUX
cjfa-16357	214	17	very	very	ADV
cjfa-16357	214	18	similar	similar	ADJ
cjfa-16357	214	19	and	and	CCONJ
cjfa-16357	214	20	neither	neither	PRON
cjfa-16357	214	21	of	of	ADP
cjfa-16357	214	22	them	they	PRON
cjfa-16357	214	23	holds	hold	VERB
cjfa-16357	214	24	the	the	DET
cjfa-16357	214	25	advantage	advantage	NOUN
cjfa-16357	214	26	.	.	PUNCT
cjfa-16357	215	1	when	when	SCONJ
cjfa-16357	215	2	it	it	PRON
cjfa-16357	215	3	comes	come	VERB
cjfa-16357	215	4	to	to	ADP
cjfa-16357	215	5	performance	performance	NOUN
cjfa-16357	215	6	it	it	PRON
cjfa-16357	215	7	’s	’	VERB
cjfa-16357	215	8	hard	hard	ADV
cjfa-16357	215	9	to	to	PART
cjfa-16357	215	10	determine	determine	VERB
cjfa-16357	215	11	the	the	DET
cjfa-16357	215	12	winner	winner	NOUN
cjfa-16357	215	13	as	as	ADV
cjfa-16357	215	14	well	well	ADV
cjfa-16357	215	15	.	.	PUNCT
cjfa-16357	216	1	in	in	ADP
cjfa-16357	216	2	short	short	ADJ
cjfa-16357	216	3	and	and	CCONJ
cjfa-16357	216	4	medium	medium	ADJ
cjfa-16357	216	5	term	term	NOUN
cjfa-16357	216	6	etfs	etfs	NOUN
cjfa-16357	216	7	brings	bring	VERB
cjfa-16357	216	8	returns	return	NOUN
cjfa-16357	216	9	better	well	ADV
cjfa-16357	216	10	than	than	ADP
cjfa-16357	216	11	the	the	DET
cjfa-16357	216	12	benchmark	benchmark	NOUN
cjfa-16357	216	13	–	–	PUNCT
cjfa-16357	216	14	3	3	NUM
cjfa-16357	216	15	months	month	NOUN
cjfa-16357	216	16	t	t	NOUN
cjfa-16357	216	17	-	-	PUNCT
cjfa-16357	216	18	bills	bill	NOUN
cjfa-16357	216	19	average	average	ADJ
cjfa-16357	216	20	,	,	PUNCT
cjfa-16357	216	21	but	but	CCONJ
cjfa-16357	216	22	in	in	ADP
cjfa-16357	216	23	the	the	DET
cjfa-16357	216	24	long	long	ADJ
cjfa-16357	216	25	term	term	NOUN
cjfa-16357	216	26	mutual	mutual	ADJ
cjfa-16357	216	27	funds	fund	NOUN
cjfa-16357	216	28	beat	beat	VERB
cjfa-16357	216	29	the	the	DET
cjfa-16357	216	30	benchmark	benchmark	NOUN
cjfa-16357	216	31	and	and	CCONJ
cjfa-16357	216	32	etfs	etfs	PROPN
cjfa-16357	216	33	brought	bring	VERB
cjfa-16357	216	34	slightly	slightly	ADV
cjfa-16357	216	35	lower	low	ADJ
cjfa-16357	216	36	return	return	NOUN
cjfa-16357	216	37	than	than	ADP
cjfa-16357	216	38	3	3	NUM
cjfa-16357	216	39	months	month	NOUN
cjfa-16357	216	40	t	t	NOUN
cjfa-16357	216	41	-	-	PUNCT
cjfa-16357	216	42	bills	bill	NOUN
cjfa-16357	216	43	.	.	PUNCT
cjfa-16357	217	1	in	in	ADP
cjfa-16357	217	2	terms	term	NOUN
cjfa-16357	217	3	of	of	ADP
cjfa-16357	217	4	portfolio	portfolio	NOUN
cjfa-16357	217	5	building	building	NOUN
cjfa-16357	217	6	,	,	PUNCT
cjfa-16357	217	7	money	money	NOUN
cjfa-16357	217	8	market	market	NOUN
cjfa-16357	217	9	funds	fund	NOUN
cjfa-16357	217	10	are	be	AUX
cjfa-16357	217	11	rather	rather	ADV
cjfa-16357	217	12	used	use	VERB
cjfa-16357	217	13	in	in	ADP
cjfa-16357	217	14	short	short	ADJ
cjfa-16357	217	15	term	term	NOUN
cjfa-16357	217	16	,	,	PUNCT
cjfa-16357	217	17	so	so	ADV
cjfa-16357	217	18	considering	consider	VERB
cjfa-16357	217	19	comparable	comparable	ADJ
cjfa-16357	217	20	expense	expense	NOUN
cjfa-16357	217	21	ratios	ratio	NOUN
cjfa-16357	217	22	,	,	PUNCT
cjfa-16357	217	23	both	both	DET
cjfa-16357	217	24	mutual	mutual	ADJ
cjfa-16357	217	25	funds	fund	NOUN
cjfa-16357	217	26	and	and	CCONJ
cjfa-16357	217	27	etfs	etfs	PROPN
cjfa-16357	217	28	can	can	AUX
cjfa-16357	217	29	be	be	AUX
cjfa-16357	217	30	utilized	utilize	VERB
cjfa-16357	217	31	.	.	PUNCT
cjfa-16357	218	1	table	table	NOUN
cjfa-16357	218	2	3	3	NUM
cjfa-16357	218	3	.	.	X
cjfa-16357	218	4	money	money	NOUN
cjfa-16357	218	5	market	market	NOUN
cjfa-16357	218	6	etfs	etfs	NOUN
cjfa-16357	218	7	and	and	CCONJ
cjfa-16357	218	8	mutual	mutual	ADJ
cjfa-16357	218	9	funds	fund	NOUN
cjfa-16357	218	10	expense	expense	NOUN
cjfa-16357	218	11	ratio	ratio	NOUN
cjfa-16357	218	12	…	…	PUNCT
cjfa-16357	218	13	kamil	kamil	PROPN
cjfa-16357	218	14	nowak86	nowak86	PROPN
cjfa-16357	218	15	table	table	NOUN
cjfa-16357	218	16	4	4	NUM
cjfa-16357	218	17	.	.	PUNCT
cjfa-16357	219	1	msci	msci	PROPN
cjfa-16357	219	2	us	us	PROPN
cjfa-16357	219	3	broad	broad	ADJ
cjfa-16357	219	4	market	market	NOUN
cjfa-16357	219	5	index	index	NOUN
cjfa-16357	219	6	etfs	etfs	NOUN
cjfa-16357	219	7	and	and	CCONJ
cjfa-16357	219	8	mutual	mutual	ADJ
cjfa-16357	219	9	fund	fund	NOUN
cjfa-16357	219	10	expense	expense	NOUN
cjfa-16357	219	11	ratio	ratio	NOUN
cjfa-16357	219	12	and	and	CCONJ
cjfa-16357	219	13	performance	performance	NOUN
cjfa-16357	219	14	comparison	comparison	NOUN
cjfa-16357	219	15	fund	fund	PROPN
cjfa-16357	219	16	ticker	ticker	PROPN
cjfa-16357	219	17	aum	aum	PROPN
cjfa-16357	219	18	(	(	PUNCT
cjfa-16357	219	19	millions	millions	NUM
cjfa-16357	219	20	usd	usd	NOUN
cjfa-16357	219	21	)	)	PUNCT
cjfa-16357	219	22	expense	expense	NOUN
cjfa-16357	219	23	ratio	ratio	NOUN
cjfa-16357	219	24	(	(	PUNCT
cjfa-16357	219	25	%	%	INTJ
cjfa-16357	219	26	)	)	PUNCT
cjfa-16357	219	27	performance	performance	NOUN
cjfa-16357	219	28	(	(	PUNCT
cjfa-16357	219	29	%	%	INTJ
cjfa-16357	219	30	)	)	PUNCT
cjfa-16357	220	1	+	+	ADJ
cjfa-16357	220	2	/benchmark	/benchmark	INTJ
cjfa-16357	220	3	(	(	PUNCT
cjfa-16357	220	4	%	%	NOUN
cjfa-16357	220	5	)	)	PUNCT
cjfa-16357	220	6	1	1	NUM
cjfa-16357	220	7	yr	yr	NOUN
cjfa-16357	220	8	3	3	NUM
cjfa-16357	220	9	yr	yr	NOUN
cjfa-16357	220	10	5	5	NUM
cjfa-16357	220	11	yr	yr	NOUN
cjfa-16357	220	12	10	10	NUM
cjfa-16357	220	13	yr	yr	NOUN
cjfa-16357	220	14	1	1	NUM
cjfa-16357	220	15	yr	yr	NOUN
cjfa-16357	220	16	3	3	NUM
cjfa-16357	220	17	yr	yr	NOUN
cjfa-16357	220	18	5	5	NUM
cjfa-16357	220	19	yr	yr	NOUN
cjfa-16357	220	20	10	10	NUM
cjfa-16357	220	21	yr	yr	NOUN
cjfa-16357	220	22	vanguard	vanguard	PROPN
cjfa-16357	220	23	total	total	PROPN
cjfa-16357	220	24	stock	stock	PROPN
cjfa-16357	220	25	mkt	mkt	PROPN
cjfa-16357	220	26	idx	idx	AUX
cjfa-16357	220	27	inv	inv	VERB
cjfa-16357	220	28	vtsmx	vtsmx	ADV
cjfa-16357	220	29	541300	541300	NUM
cjfa-16357	221	1	0.15	0.15	NUM
cjfa-16357	221	2	22.55	22.55	NUM
cjfa-16357	221	3	9.44	9.44	NUM
cjfa-16357	221	4	13.59	13.59	NUM
cjfa-16357	221	5	7.74	7.74	NUM
cjfa-16357	221	6	4.73	4.73	NUM
cjfa-16357	221	7	-0.07	-0.07	NUM
cjfa-16357	221	8	0.32	0.32	NUM
cjfa-16357	221	9	0.21	0.21	NUM
cjfa-16357	221	10	fidelity	fidelity	PROPN
cjfa-16357	221	11	total	total	ADJ
cjfa-16357	221	12	market	market	NOUN
cjfa-16357	221	13	index	index	NOUN
cjfa-16357	221	14	investor	investor	NOUN
cjfa-16357	221	15	fstmx	fstmx	VERB
cjfa-16357	221	16	40300	40300	NUM
cjfa-16357	221	17	0.1	0.1	NUM
cjfa-16357	221	18	17.67	17.67	NUM
cjfa-16357	221	19	9.32	9.32	NUM
cjfa-16357	221	20	13.09	13.09	NUM
cjfa-16357	221	21	7.38	7.38	NUM
cjfa-16357	221	22	-0.15	-0.15	NUM
cjfa-16357	221	23	-0.19	-0.19	NOUN
cjfa-16357	221	24	-0.18	-0.18	NUM
cjfa-16357	221	25	-0.15	-0.15	NUM
cjfa-16357	221	26	schwab	schwab	PROPN
cjfa-16357	221	27	total	total	ADJ
cjfa-16357	221	28	stock	stock	NOUN
cjfa-16357	221	29	market	market	NOUN
cjfa-16357	221	30	index	index	NOUN
cjfa-16357	221	31	swtsx	swtsx	NOUN
cjfa-16357	221	32	5700	5700	NUM
cjfa-16357	221	33	0.09	0.09	NUM
cjfa-16357	221	34	17.67	17.67	NUM
cjfa-16357	221	35	9.35	9.35	NUM
cjfa-16357	221	36	13.13	13.13	NUM
cjfa-16357	221	37	7.48	7.48	NUM
cjfa-16357	221	38	-0.15	-0.15	NUM
cjfa-16357	221	39	-0.16	-0.16	INTJ
cjfa-16357	221	40	-0.14	-0.14	PROPN
cjfa-16357	221	41	-0.05	-0.05	NUM
cjfa-16357	221	42	blackrock	blackrock	PROPN
cjfa-16357	221	43	total	total	PROPN
cjfa-16357	221	44	stock	stock	PROPN
cjfa-16357	221	45	market	market	NOUN
cjfa-16357	221	46	index	index	NOUN
cjfa-16357	221	47	inv	inv	VERB
cjfa-16357	221	48	a	a	DET
cjfa-16357	221	49	basmx	basmx	ADJ
cjfa-16357	221	50	596	596	NUM
cjfa-16357	221	51	0.29	0.29	NUM
cjfa-16357	221	52	17.40	17.40	NUM
cjfa-16357	221	53	–	–	PUNCT
cjfa-16357	221	54	–	–	PUNCT
cjfa-16357	221	55	–	–	PUNCT
cjfa-16357	221	56	-0.42	-0.42	NUM
cjfa-16357	221	57	–	–	PUNCT
cjfa-16357	221	58	–	–	PUNCT
cjfa-16357	221	59	–	–	PUNCT
cjfa-16357	221	60	wilshire	wilshire	NOUN
cjfa-16357	221	61	5000	5000	NUM
cjfa-16357	221	62	index	index	NOUN
cjfa-16357	221	63	fund	fund	NOUN
cjfa-16357	221	64	wfivx	wfivx	PROPN
cjfa-16357	222	1	184	184	NUM
cjfa-16357	222	2	0.67	0.67	NUM
cjfa-16357	222	3	17.05	17.05	NUM
cjfa-16357	222	4	9.03	9.03	NUM
cjfa-16357	222	5	12.62	12.62	NUM
cjfa-16357	222	6	6.77	6.77	NUM
cjfa-16357	222	7	-0.77	-0.77	NUM
cjfa-16357	222	8	-0.48	-0.48	NUM
cjfa-16357	222	9	-0.65	-0.65	NUM
cjfa-16357	222	10	-0.76	-0.76	PROPN
cjfa-16357	222	11	average	average	ADJ
cjfa-16357	222	12	0.26	0.26	NUM
cjfa-16357	222	13	18.468	18.468	NUM
cjfa-16357	222	14	9.285	9.285	NUM
cjfa-16357	222	15	13.11	13.11	NUM
cjfa-16357	222	16	7.34	7.34	NUM
cjfa-16357	222	17	0.64	0.64	NUM
cjfa-16357	222	18	-0.22	-0.22	NUM
cjfa-16357	222	19	-0.16	-0.16	NUM
cjfa-16357	222	20	-0.19	-0.19	NOUN
cjfa-16357	222	21	median	median	NOUN
cjfa-16357	222	22	0.15	0.15	NUM
cjfa-16357	222	23	msci	msci	PROPN
cjfa-16357	222	24	us	us	PROPN
cjfa-16357	222	25	broad	broad	ADJ
cjfa-16357	222	26	market	market	NOUN
cjfa-16357	222	27	index	index	NOUN
cjfa-16357	222	28	17.82	17.82	NUM
cjfa-16357	222	29	9.51	9.51	NUM
cjfa-16357	222	30	13.27	13.27	NUM
cjfa-16357	222	31	7.53	7.53	NUM
cjfa-16357	222	32	vanguard	vanguard	NOUN
cjfa-16357	222	33	total	total	ADJ
cjfa-16357	222	34	stock	stock	NOUN
cjfa-16357	222	35	market	market	NOUN
cjfa-16357	222	36	etf	etf	NOUN
cjfa-16357	222	37	vti	vti	PROPN
cjfa-16357	222	38	76020	76020	NUM
cjfa-16357	222	39	0.05	0.05	NUM
cjfa-16357	222	40	17.68	17.68	NUM
cjfa-16357	222	41	9.40	9.40	NUM
cjfa-16357	222	42	13.20	13.20	NUM
cjfa-16357	222	43	7.74	7.74	NUM
cjfa-16357	222	44	-0.14	-0.14	NUM
cjfa-16357	222	45	-0.11	-0.11	NUM
cjfa-16357	222	46	-0.07	-0.07	NUM
cjfa-16357	222	47	0.21	0.21	NUM
cjfa-16357	222	48	ishares	ishares	PROPN
cjfa-16357	222	49	edge	edge	PROPN
cjfa-16357	222	50	msci	msci	PROPN
cjfa-16357	222	51	min	min	PROPN
cjfa-16357	222	52	vol	vol	PROPN
cjfa-16357	222	53	usa	usa	PROPN
cjfa-16357	222	54	etf	etf	PROPN
cjfa-16357	222	55	usmv	usmv	VERB
cjfa-16357	222	56	12330	12330	NUM
cjfa-16357	222	57	0.15	0.15	NUM
cjfa-16357	222	58	13.66	13.66	NUM
cjfa-16357	222	59	12.57	12.57	NUM
cjfa-16357	222	60	13.73	13.73	NUM
cjfa-16357	222	61	–	–	PUNCT
cjfa-16357	222	62	-4.16	-4.16	NUM
cjfa-16357	222	63	3.06	3.06	NUM
cjfa-16357	222	64	0.46	0.46	NUM
cjfa-16357	222	65	–	–	PUNCT
cjfa-16357	222	66	schwab	schwab	PROPN
cjfa-16357	222	67	u.s	u.s	PROPN
cjfa-16357	222	68	.	.	PROPN
cjfa-16357	222	69	broad	broad	ADJ
cjfa-16357	222	70	market	market	NOUN
cjfa-16357	222	71	etf	etf	NOUN
cjfa-16357	222	72	schb	schb	NOUN
cjfa-16357	222	73	8510	8510	NUM
cjfa-16357	222	74	0.03	0.03	NUM
cjfa-16357	222	75	20.70	20.70	NUM
cjfa-16357	222	76	10.29	10.29	NUM
cjfa-16357	222	77	13.37	13.37	NUM
cjfa-16357	222	78	–	–	PUNCT
cjfa-16357	222	79	2.88	2.88	NUM
cjfa-16357	222	80	0.78	0.78	NUM
cjfa-16357	222	81	0.10	0.10	NUM
cjfa-16357	222	82	–	–	PUNCT
cjfa-16357	222	83	ishares	ishares	NOUN
cjfa-16357	222	84	core	core	NOUN
cjfa-16357	222	85	s&p	s&p	PROPN
cjfa-16357	222	86	total	total	NOUN
cjfa-16357	222	87	u.s	u.s	PROPN
cjfa-16357	222	88	.	.	PROPN
cjfa-16357	222	89	stock	stock	PROPN
cjfa-16357	222	90	market	market	PROPN
cjfa-16357	222	91	etf	etf	NOUN
cjfa-16357	223	1	itot	itot	VERB
cjfa-16357	223	2	7860	7860	NUM
cjfa-16357	223	3	0.03	0.03	NUM
cjfa-16357	223	4	17.59	17.59	NUM
cjfa-16357	223	5	9.83	9.83	NUM
cjfa-16357	223	6	13.25	13.25	NUM
cjfa-16357	223	7	7.33	7.33	NUM
cjfa-16357	223	8	-0.23	-0.23	NUM
cjfa-16357	223	9	0.32	0.32	NUM
cjfa-16357	223	10	-0.02	-0.02	NUM
cjfa-16357	223	11	-0.20	-0.20	NUM
cjfa-16357	223	12	ishares	ishares	PROPN
cjfa-16357	223	13	russell	russell	PROPN
cjfa-16357	223	14	3000	3000	NUM
cjfa-16357	223	15	etf	etf	NOUN
cjfa-16357	223	16	iwv	iwv	VERB
cjfa-16357	223	17	7410	7410	NUM
cjfa-16357	224	1	0.2	0.2	NUM
cjfa-16357	224	2	17.55	17.55	NUM
cjfa-16357	224	3	9.31	9.31	NUM
cjfa-16357	224	4	13.09	13.09	NUM
cjfa-16357	224	5	7.20	7.20	NUM
cjfa-16357	224	6	-0.27	-0.27	X
cjfa-16357	224	7	-0.20	-0.20	X
cjfa-16357	224	8	-0.18	-0.18	NUM
cjfa-16357	224	9	-0.33	-0.33	PROPN
cjfa-16357	224	10	average	average	ADJ
cjfa-16357	224	11	0.09	0.09	NUM
cjfa-16357	224	12	17.44	17.44	NUM
cjfa-16357	224	13	10.28	10.28	NUM
cjfa-16357	224	14	13.33	13.33	NUM
cjfa-16357	224	15	7.42	7.42	NUM
cjfa-16357	224	16	-0.38	-0.38	NUM
cjfa-16357	224	17	0.77	0.77	NUM
cjfa-16357	224	18	0.06	0.06	NUM
cjfa-16357	224	19	-0.11	-0.11	NUM
cjfa-16357	224	20	median	median	NOUN
cjfa-16357	224	21	0.05	0.05	NUM
cjfa-16357	224	22	s	s	NOUN
cjfa-16357	224	23	o	o	NOUN
cjfa-16357	224	24	u	u	NOUN
cjfa-16357	224	25	r	r	NOUN
cjfa-16357	224	26	c	c	NOUN
cjfa-16357	224	27	e	e	NOUN
cjfa-16357	224	28	:	:	PUNCT
cjfa-16357	224	29	author	author	NOUN
cjfa-16357	224	30	’s	’s	PART
cjfa-16357	224	31	own	own	ADJ
cjfa-16357	224	32	elaboration	elaboration	NOUN
cjfa-16357	224	33	based	base	VERB
cjfa-16357	224	34	on	on	ADP
cjfa-16357	224	35	:	:	PUNCT
cjfa-16357	224	36	data	datum	NOUN
cjfa-16357	224	37	source	source	NOUN
cjfa-16357	224	38	:	:	PUNCT
cjfa-16357	224	39	morningstar	morningstar	PROPN
cjfa-16357	224	40	15.03.2017	15.03.2017	NUM
cjfa-16357	224	41	.	.	PUNCT
cjfa-16357	225	1	similar	similar	ADJ
cjfa-16357	225	2	conclusions	conclusion	NOUN
cjfa-16357	225	3	can	can	AUX
cjfa-16357	225	4	be	be	AUX
cjfa-16357	225	5	drawn	draw	VERB
cjfa-16357	225	6	from	from	ADP
cjfa-16357	225	7	analysis	analysis	NOUN
cjfa-16357	225	8	of	of	ADP
cjfa-16357	225	9	etfs	etfs	NOUN
cjfa-16357	225	10	and	and	CCONJ
cjfa-16357	225	11	mutual	mutual	ADJ
cjfa-16357	225	12	funds	fund	NOUN
cjfa-16357	225	13	,	,	PUNCT
cjfa-16357	225	14	which	which	PRON
cjfa-16357	225	15	are	be	AUX
cjfa-16357	225	16	tracking	track	VERB
cjfa-16357	225	17	msci	msci	PROPN
cjfa-16357	225	18	us	us	PROPN
cjfa-16357	225	19	broad	broad	ADJ
cjfa-16357	225	20	market	market	NOUN
cjfa-16357	225	21	index	index	NOUN
cjfa-16357	225	22	regarding	regard	VERB
cjfa-16357	225	23	the	the	DET
cjfa-16357	225	24	performance	performance	NOUN
cjfa-16357	225	25	trends	trend	NOUN
cjfa-16357	225	26	.	.	PUNCT
cjfa-16357	226	1	in	in	ADP
cjfa-16357	226	2	a	a	DET
cjfa-16357	226	3	long	long	ADJ
cjfa-16357	226	4	term	term	NOUN
cjfa-16357	226	5	both	both	PRON
cjfa-16357	226	6	stays	stay	VERB
cjfa-16357	226	7	slightly	slightly	ADV
cjfa-16357	226	8	below	below	ADP
cjfa-16357	226	9	benchmark	benchmark	ADJ
cjfa-16357	226	10	level	level	NOUN
cjfa-16357	226	11	,	,	PUNCT
cjfa-16357	226	12	but	but	CCONJ
cjfa-16357	226	13	it	it	PRON
cjfa-16357	226	14	can	can	AUX
cjfa-16357	226	15	be	be	AUX
cjfa-16357	226	16	low	low	ADJ
cjfa-16357	226	17	cost	cost	NOUN
cjfa-16357	226	18	retirement	retirement	NOUN
cjfa-16357	226	19	solutions	solution	NOUN
cjfa-16357	226	20	based	base	VERB
cjfa-16357	226	21	on	on	ADP
cjfa-16357	226	22	robo	robo	NOUN
cjfa-16357	226	23	-	-	PUNCT
cjfa-16357	226	24	advisors	advisor	NOUN
cjfa-16357	226	25	…	…	PUNCT
cjfa-16357	226	26	87	87	NUM
cjfa-16357	226	27	stated	state	VERB
cjfa-16357	226	28	that	that	SCONJ
cjfa-16357	226	29	both	both	PRON
cjfa-16357	226	30	accurately	accurately	ADV
cjfa-16357	226	31	tracks	track	VERB
cjfa-16357	226	32	msci	msci	PROPN
cjfa-16357	226	33	us	us	PROPN
cjfa-16357	226	34	broad	broad	ADJ
cjfa-16357	226	35	market	market	NOUN
cjfa-16357	226	36	index	index	NOUN
cjfa-16357	226	37	.	.	PUNCT
cjfa-16357	227	1	however	however	ADV
cjfa-16357	227	2	,	,	PUNCT
cjfa-16357	227	3	average	average	ADJ
cjfa-16357	227	4	expenses	expense	NOUN
cjfa-16357	227	5	of	of	ADP
cjfa-16357	227	6	etfs	etfs	PROPN
cjfa-16357	227	7	are	be	AUX
cjfa-16357	227	8	significantly	significantly	ADV
cjfa-16357	227	9	lower	low	ADJ
cjfa-16357	227	10	than	than	ADP
cjfa-16357	227	11	their	their	PRON
cjfa-16357	227	12	corresponding	corresponding	ADJ
cjfa-16357	227	13	mutual	mutual	ADJ
cjfa-16357	227	14	funds	fund	NOUN
cjfa-16357	227	15	,	,	PUNCT
cjfa-16357	227	16	so	so	SCONJ
cjfa-16357	227	17	in	in	ADP
cjfa-16357	227	18	terms	term	NOUN
cjfa-16357	227	19	of	of	ADP
cjfa-16357	227	20	cost	cost	NOUN
cjfa-16357	227	21	effectiveness	effectiveness	NOUN
cjfa-16357	227	22	in	in	ADP
cjfa-16357	227	23	this	this	DET
cjfa-16357	227	24	category	category	NOUN
cjfa-16357	227	25	etfs	etfs	NOUN
cjfa-16357	227	26	are	be	AUX
cjfa-16357	227	27	dominating	dominate	VERB
cjfa-16357	227	28	.	.	PUNCT
cjfa-16357	228	1	table	table	NOUN
cjfa-16357	228	2	5	5	NUM
cjfa-16357	228	3	.	.	PUNCT
cjfa-16357	228	4	barclays	barclays	PROPN
cjfa-16357	228	5	capital	capital	PROPN
cjfa-16357	228	6	u.s	u.s	PROPN
cjfa-16357	228	7	.	.	PROPN
cjfa-16357	228	8	aggregate	aggregate	ADJ
cjfa-16357	228	9	bond	bond	NOUN
cjfa-16357	228	10	index	index	NOUN
cjfa-16357	228	11	etfs	etfs	NOUN
cjfa-16357	228	12	and	and	CCONJ
cjfa-16357	228	13	mutual	mutual	ADJ
cjfa-16357	228	14	fund	fund	NOUN
cjfa-16357	228	15	expense	expense	NOUN
cjfa-16357	228	16	ratio	ratio	NOUN
cjfa-16357	228	17	and	and	CCONJ
cjfa-16357	228	18	performance	performance	NOUN
cjfa-16357	228	19	comparison	comparison	NOUN
cjfa-16357	228	20	fund	fund	PROPN
cjfa-16357	228	21	ticker	ticker	PROPN
cjfa-16357	228	22	aum	aum	PROPN
cjfa-16357	228	23	(	(	PUNCT
cjfa-16357	228	24	millions	millions	NUM
cjfa-16357	228	25	usd	usd	NOUN
cjfa-16357	228	26	)	)	PUNCT
cjfa-16357	228	27	expense	expense	NOUN
cjfa-16357	228	28	ratio	ratio	NOUN
cjfa-16357	228	29	(	(	PUNCT
cjfa-16357	228	30	%	%	INTJ
cjfa-16357	228	31	)	)	PUNCT
cjfa-16357	228	32	performance	performance	NOUN
cjfa-16357	228	33	(	(	PUNCT
cjfa-16357	228	34	%	%	INTJ
cjfa-16357	228	35	)	)	PUNCT
cjfa-16357	229	1	+	+	ADJ
cjfa-16357	229	2	/benchmark	/benchmark	INTJ
cjfa-16357	229	3	(	(	PUNCT
cjfa-16357	229	4	%	%	NOUN
cjfa-16357	229	5	)	)	PUNCT
cjfa-16357	229	6	1	1	NUM
cjfa-16357	229	7	yr	yr	NOUN
cjfa-16357	229	8	3	3	NUM
cjfa-16357	229	9	yr	yr	NOUN
cjfa-16357	229	10	5	5	NUM
cjfa-16357	229	11	yr	yr	NOUN
cjfa-16357	229	12	10	10	NUM
cjfa-16357	229	13	yr	yr	NOUN
cjfa-16357	229	14	1	1	NUM
cjfa-16357	229	15	yr	yr	NOUN
cjfa-16357	229	16	3	3	NUM
cjfa-16357	229	17	yr	yr	NOUN
cjfa-16357	229	18	5	5	NUM
cjfa-16357	229	19	yr	yr	NOUN
cjfa-16357	229	20	10	10	NUM
cjfa-16357	229	21	yr	yr	NOUN
cjfa-16357	229	22	vanguard	vanguard	PROPN
cjfa-16357	229	23	total	total	PROPN
cjfa-16357	229	24	bond	bond	NOUN
cjfa-16357	229	25	market	market	NOUN
cjfa-16357	229	26	ii	ii	PROPN
cjfa-16357	229	27	vtbix	vtbix	NOUN
cjfa-16357	229	28	120900	120900	NUM
cjfa-16357	229	29	0.09	0.09	NUM
cjfa-16357	229	30	0.45	0.45	NUM
cjfa-16357	229	31	2.26	2.26	NUM
cjfa-16357	229	32	1.86	1.86	NUM
cjfa-16357	229	33	–	–	PUNCT
cjfa-16357	229	34	-0.31	-0.31	NUM
cjfa-16357	229	35	-0.44	-0.44	NUM
cjfa-16357	229	36	-0.47	-0.47	DET
cjfa-16357	229	37	–	–	PUNCT
cjfa-16357	229	38	american	american	ADJ
cjfa-16357	229	39	century	century	NOUN
cjfa-16357	229	40	diversified	diversify	VERB
cjfa-16357	229	41	bond	bond	NOUN
cjfa-16357	229	42	inv	inv	ADJ
cjfa-16357	229	43	adfix	adfix	NOUN
cjfa-16357	229	44	6500	6500	NUM
cjfa-16357	229	45	0.6	0.6	NUM
cjfa-16357	229	46	0.88	0.88	NUM
cjfa-16357	229	47	2.51	2.51	NUM
cjfa-16357	229	48	2.2	2.2	NUM
cjfa-16357	229	49	4.43	4.43	NUM
cjfa-16357	229	50	0.12	0.12	NUM
cjfa-16357	229	51	-0.19	-0.19	NOUN
cjfa-16357	229	52	-0.13	-0.13	NUM
cjfa-16357	229	53	0.18	0.18	NUM
cjfa-16357	229	54	loomis	loomis	PROPN
cjfa-16357	229	55	sayles	sayles	PROPN
cjfa-16357	229	56	investment	investment	NOUN
cjfa-16357	229	57	grade	grade	NOUN
cjfa-16357	229	58	bond	bond	NOUN
cjfa-16357	229	59	a	a	DET
cjfa-16357	229	60	ligrx	ligrx	ADJ
cjfa-16357	229	61	6100	6100	NUM
cjfa-16357	229	62	0.85	0.85	NUM
cjfa-16357	229	63	5.32	5.32	NUM
cjfa-16357	229	64	1.6	1.6	NUM
cjfa-16357	229	65	3.08	3.08	NUM
cjfa-16357	229	66	5.52	5.52	NUM
cjfa-16357	229	67	4.56	4.56	NUM
cjfa-16357	229	68	-1.1	-1.1	NOUN
cjfa-16357	229	69	0.75	0.75	NUM
cjfa-16357	229	70	1.27	1.27	NUM
cjfa-16357	229	71	russell	russell	PROPN
cjfa-16357	229	72	inv	inv	VERB
cjfa-16357	229	73	strategic	strategic	ADJ
cjfa-16357	229	74	bond	bond	NOUN
cjfa-16357	229	75	a	a	DET
cjfa-16357	229	76	rfdax	rfdax	NOUN
cjfa-16357	229	77	5000	5000	NUM
cjfa-16357	229	78	0.96	0.96	NUM
cjfa-16357	229	79	1.32	1.32	NUM
cjfa-16357	229	80	2.55	2.55	NUM
cjfa-16357	229	81	2.59	2.59	NUM
cjfa-16357	229	82	4.25	4.25	NUM
cjfa-16357	229	83	0.56	0.56	NUM
cjfa-16357	229	84	-0.15	-0.15	NUM
cjfa-16357	229	85	0.26	0.26	NUM
cjfa-16357	229	86	0	0	NUM
cjfa-16357	229	87	wells	wells	PROPN
cjfa-16357	229	88	fargo	fargo	PROPN
cjfa-16357	229	89	core	core	PROPN
cjfa-16357	229	90	bond	bond	PROPN
cjfa-16357	229	91	a	a	DET
cjfa-16357	229	92	mbfax	mbfax	NOUN
cjfa-16357	229	93	4900	4900	NUM
cjfa-16357	229	94	0.78	0.78	NUM
cjfa-16357	229	95	0.73	0.73	NUM
cjfa-16357	229	96	2.41	2.41	NUM
cjfa-16357	229	97	2.37	2.37	NUM
cjfa-16357	229	98	4.6	4.6	NUM
cjfa-16357	229	99	-0.03	-0.03	NUM
cjfa-16357	229	100	-0.29	-0.29	NUM
cjfa-16357	229	101	0.04	0.04	NUM
cjfa-16357	229	102	0.35	0.35	NUM
cjfa-16357	229	103	average	average	NOUN
cjfa-16357	229	104	0.66	0.66	NUM
cjfa-16357	229	105	1.74	1.74	NUM
cjfa-16357	229	106	2.27	2.27	NUM
cjfa-16357	229	107	2.42	2.42	NUM
cjfa-16357	229	108	4.70	4.70	NUM
cjfa-16357	229	109	0.98	0.98	NUM
cjfa-16357	229	110	-0.43	-0.43	NUM
cjfa-16357	229	111	0.09	0.09	NUM
cjfa-16357	229	112	0.45	0.45	NUM
cjfa-16357	229	113	median	median	NOUN
cjfa-16357	229	114	0.78	0.78	NUM
cjfa-16357	229	115	barclays	barclay	NOUN
cjfa-16357	229	116	capital	capital	PROPN
cjfa-16357	229	117	u.s	u.s	PROPN
cjfa-16357	229	118	.	.	PROPN
cjfa-16357	229	119	aggregate	aggregate	ADJ
cjfa-16357	229	120	bond	bond	NOUN
cjfa-16357	229	121	index	index	NOUN
cjfa-16357	229	122	0.76	0.76	NUM
cjfa-16357	229	123	2.7	2.7	NUM
cjfa-16357	229	124	2.33	2.33	NUM
cjfa-16357	229	125	4.25	4.25	NUM
cjfa-16357	229	126	ishares	ishare	NOUN
cjfa-16357	229	127	core	core	PROPN
cjfa-16357	229	128	u.s	u.s	PROPN
cjfa-16357	229	129	.	.	PROPN
cjfa-16357	229	130	aggregate	aggregate	ADJ
cjfa-16357	229	131	bond	bond	NOUN
cjfa-16357	229	132	etf	etf	NOUN
cjfa-16357	229	133	agg	agg	PROPN
cjfa-16357	229	134	42260	42260	NUM
cjfa-16357	229	135	0.05	0.05	NUM
cjfa-16357	229	136	0.21	0.21	NUM
cjfa-16357	229	137	2.16	2.16	NUM
cjfa-16357	229	138	1.97	1.97	NUM
cjfa-16357	229	139	3.93	3.93	NUM
cjfa-16357	229	140	-0.55	-0.55	NOUN
cjfa-16357	229	141	-0.54	-0.54	PROPN
cjfa-16357	229	142	-0.36	-0.36	NUM
cjfa-16357	229	143	-0.32	-0.32	NUM
cjfa-16357	229	144	vanguard	vanguard	PROPN
cjfa-16357	229	145	total	total	ADJ
cjfa-16357	229	146	bond	bond	NOUN
cjfa-16357	229	147	market	market	NOUN
cjfa-16357	229	148	etf	etf	NOUN
cjfa-16357	229	149	bnd	bnd	PROPN
cjfa-16357	229	150	32200	32200	NUM
cjfa-16357	229	151	0.06	0.06	NUM
cjfa-16357	229	152	0.58	0.58	NUM
cjfa-16357	229	153	2.15	2.15	NUM
cjfa-16357	229	154	1.99	1.99	NUM
cjfa-16357	229	155	–	–	PUNCT
cjfa-16357	229	156	-0.18	-0.18	NUM
cjfa-16357	229	157	-0.55	-0.55	NOUN
cjfa-16357	229	158	-0.34	-0.34	NOUN
cjfa-16357	229	159	–	–	PUNCT
cjfa-16357	229	160	schwab	schwab	PROPN
cjfa-16357	229	161	u.s	u.s	PROPN
cjfa-16357	229	162	.	.	PROPN
cjfa-16357	229	163	aggregate	aggregate	ADJ
cjfa-16357	229	164	bond	bond	NOUN
cjfa-16357	229	165	etf	etf	NOUN
cjfa-16357	229	166	schz	schz	PROPN
cjfa-16357	229	167	3410	3410	NUM
cjfa-16357	229	168	0.04	0.04	NUM
cjfa-16357	229	169	0.14	0.14	NUM
cjfa-16357	229	170	2.11	2.11	NUM
cjfa-16357	229	171	1.89	1.89	NUM
cjfa-16357	229	172	–	–	PUNCT
cjfa-16357	229	173	-0.62	-0.62	NUM
cjfa-16357	229	174	-0.59	-0.59	NUM
cjfa-16357	229	175	-0.44	-0.44	NUM
cjfa-16357	229	176	–	–	PUNCT
cjfa-16357	229	177	average	average	ADJ
cjfa-16357	229	178	0.05	0.05	NUM
cjfa-16357	229	179	0.31	0.31	NUM
cjfa-16357	229	180	2.14	2.14	NUM
cjfa-16357	229	181	1.95	1.95	NUM
cjfa-16357	229	182	3.93	3.93	NUM
cjfa-16357	229	183	-0.45	-0.45	NUM
cjfa-16357	229	184	-0.56	-0.56	NOUN
cjfa-16357	229	185	-0.38	-0.38	PUNCT
cjfa-16357	229	186	-0.32	-0.32	VERB
cjfa-16357	229	187	median	median	NOUN
cjfa-16357	229	188	0.05	0.05	NUM
cjfa-16357	229	189	s	s	NOUN
cjfa-16357	229	190	o	o	NOUN
cjfa-16357	229	191	u	u	NOUN
cjfa-16357	229	192	r	r	NOUN
cjfa-16357	229	193	c	c	NOUN
cjfa-16357	229	194	e	e	NOUN
cjfa-16357	229	195	:	:	PUNCT
cjfa-16357	229	196	author	author	NOUN
cjfa-16357	229	197	’s	’s	PART
cjfa-16357	229	198	own	own	ADJ
cjfa-16357	229	199	elaboration	elaboration	NOUN
cjfa-16357	229	200	based	base	VERB
cjfa-16357	229	201	on	on	ADP
cjfa-16357	229	202	:	:	PUNCT
cjfa-16357	229	203	data	datum	NOUN
cjfa-16357	229	204	source	source	NOUN
cjfa-16357	229	205	:	:	PUNCT
cjfa-16357	229	206	morningstar	morningstar	PROPN
cjfa-16357	229	207	15.03.2017	15.03.2017	NUM
cjfa-16357	229	208	.	.	PUNCT
cjfa-16357	229	209	comparing	compare	VERB
cjfa-16357	229	210	funds	fund	NOUN
cjfa-16357	229	211	linked	link	VERB
cjfa-16357	229	212	to	to	ADP
cjfa-16357	229	213	barclays	barclays	PROPN
cjfa-16357	229	214	capital	capital	PROPN
cjfa-16357	229	215	u.s	u.s	PROPN
cjfa-16357	229	216	.	.	PROPN
cjfa-16357	229	217	aggregate	aggregate	PROPN
cjfa-16357	229	218	bond	bond	NOUN
cjfa-16357	229	219	index	index	NOUN
cjfa-16357	229	220	,	,	PUNCT
cjfa-16357	229	221	etfs	etfs	PROPN
cjfa-16357	229	222	still	still	ADV
cjfa-16357	229	223	have	have	VERB
cjfa-16357	229	224	significantly	significantly	ADV
cjfa-16357	229	225	lower	low	ADJ
cjfa-16357	229	226	fees	fee	NOUN
cjfa-16357	229	227	.	.	PUNCT
cjfa-16357	230	1	when	when	SCONJ
cjfa-16357	230	2	it	it	PRON
cjfa-16357	230	3	comes	come	VERB
cjfa-16357	230	4	to	to	ADP
cjfa-16357	230	5	performance	performance	NOUN
cjfa-16357	230	6	and	and	CCONJ
cjfa-16357	230	7	ackamil	ackamil	NOUN
cjfa-16357	230	8	nowak88	nowak88	PROPN
cjfa-16357	230	9	curacy	curacy	PROPN
cjfa-16357	230	10	,	,	PUNCT
cjfa-16357	230	11	mutual	mutual	ADJ
cjfa-16357	230	12	funds	fund	NOUN
cjfa-16357	230	13	stay	stay	VERB
cjfa-16357	230	14	closer	close	ADJ
cjfa-16357	230	15	to	to	ADP
cjfa-16357	230	16	the	the	DET
cjfa-16357	230	17	benchmark	benchmark	NOUN
cjfa-16357	230	18	and	and	CCONJ
cjfa-16357	230	19	even	even	ADV
cjfa-16357	230	20	outperfome	outperfome	VERB
cjfa-16357	230	21	it	it	PRON
cjfa-16357	230	22	in	in	ADP
cjfa-16357	230	23	a	a	DET
cjfa-16357	230	24	long	long	ADJ
cjfa-16357	230	25	run	run	NOUN
cjfa-16357	230	26	.	.	PUNCT
cjfa-16357	231	1	table	table	NOUN
cjfa-16357	231	2	6	6	NUM
cjfa-16357	231	3	.	.	PUNCT
cjfa-16357	232	1	msci	msci	PROPN
cjfa-16357	232	2	all	all	DET
cjfa-16357	232	3	country	country	NOUN
cjfa-16357	232	4	world	world	PROPN
cjfa-16357	232	5	ex	ex	PROPN
cjfa-16357	232	6	-	-	PROPN
cjfa-16357	232	7	u.s	u.s	PROPN
cjfa-16357	232	8	.	.	PROPN
cjfa-16357	232	9	index	index	NOUN
cjfa-16357	232	10	etfs	etfs	PROPN
cjfa-16357	232	11	and	and	CCONJ
cjfa-16357	232	12	mutual	mutual	ADJ
cjfa-16357	232	13	fund	fund	NOUN
cjfa-16357	232	14	expense	expense	NOUN
cjfa-16357	232	15	ratio	ratio	NOUN
cjfa-16357	232	16	and	and	CCONJ
cjfa-16357	232	17	performance	performance	NOUN
cjfa-16357	232	18	comparison	comparison	NOUN
cjfa-16357	232	19	fund	fund	PROPN
cjfa-16357	232	20	ticker	ticker	PROPN
cjfa-16357	232	21	aum	aum	PROPN
cjfa-16357	232	22	(	(	PUNCT
cjfa-16357	232	23	millions	millions	NUM
cjfa-16357	232	24	usd	usd	NOUN
cjfa-16357	232	25	)	)	PUNCT
cjfa-16357	232	26	expense	expense	NOUN
cjfa-16357	232	27	ratio	ratio	NOUN
cjfa-16357	232	28	(	(	PUNCT
cjfa-16357	232	29	%	%	INTJ
cjfa-16357	232	30	)	)	PUNCT
cjfa-16357	232	31	performance	performance	NOUN
cjfa-16357	232	32	(	(	PUNCT
cjfa-16357	232	33	%	%	INTJ
cjfa-16357	232	34	)	)	PUNCT
cjfa-16357	233	1	+	+	ADJ
cjfa-16357	233	2	/benchmark	/benchmark	INTJ
cjfa-16357	233	3	(	(	PUNCT
cjfa-16357	233	4	%	%	NOUN
cjfa-16357	233	5	)	)	PUNCT
cjfa-16357	233	6	1	1	NUM
cjfa-16357	233	7	yr	yr	NOUN
cjfa-16357	233	8	3	3	NUM
cjfa-16357	233	9	yr	yr	NOUN
cjfa-16357	233	10	5	5	NUM
cjfa-16357	233	11	yr	yr	NOUN
cjfa-16357	233	12	10	10	NUM
cjfa-16357	233	13	yr	yr	NOUN
cjfa-16357	233	14	1	1	NUM
cjfa-16357	233	15	yr	yr	NOUN
cjfa-16357	233	16	3	3	NUM
cjfa-16357	233	17	yr	yr	NOUN
cjfa-16357	233	18	5	5	NUM
cjfa-16357	233	19	yr	yr	NOUN
cjfa-16357	233	20	10	10	NUM
cjfa-16357	233	21	yr	yr	NOUN
cjfa-16357	233	22	vanguard	vanguard	PROPN
cjfa-16357	233	23	total	total	PROPN
cjfa-16357	233	24	intl	intl	PROPN
cjfa-16357	233	25	stock	stock	PROPN
cjfa-16357	233	26	index	index	PROPN
cjfa-16357	233	27	inv	inv	VERB
cjfa-16357	233	28	vgtsx	vgtsx	NOUN
cjfa-16357	233	29	251600	251600	NUM
cjfa-16357	233	30	0.18	0.18	NUM
cjfa-16357	233	31	14.72	14.72	NUM
cjfa-16357	233	32	2.06	2.06	NUM
cjfa-16357	233	33	4.73	4.73	NUM
cjfa-16357	233	34	1.24	1.24	NUM
cjfa-16357	233	35	0.26	0.26	NUM
cjfa-16357	233	36	0.45	0.45	NUM
cjfa-16357	233	37	0.38	0.38	NUM
cjfa-16357	233	38	-0.08	-0.08	PRON
cjfa-16357	233	39	harbor	harbor	NOUN
cjfa-16357	233	40	international	international	PROPN
cjfa-16357	233	41	investor	investor	NOUN
cjfa-16357	233	42	hiinx	hiinx	NOUN
cjfa-16357	233	43	34500	34500	NUM
cjfa-16357	233	44	1.14	1.14	NUM
cjfa-16357	233	45	8.36	8.36	NUM
cjfa-16357	233	46	-0.64	-0.64	NUM
cjfa-16357	233	47	3.31	3.31	NUM
cjfa-16357	233	48	2.09	2.09	NUM
cjfa-16357	233	49	-6.1	-6.1	PROPN
cjfa-16357	233	50	-2.25	-2.25	NUM
cjfa-16357	233	51	-1.04	-1.04	NOUN
cjfa-16357	233	52	0.77	0.77	NUM
cjfa-16357	233	53	oakmark	oakmark	ADJ
cjfa-16357	233	54	international	international	ADJ
cjfa-16357	233	55	investor	investor	NOUN
cjfa-16357	233	56	oakix	oakix	VERB
cjfa-16357	233	57	29500	29500	NUM
cjfa-16357	233	58	1	1	NUM
cjfa-16357	233	59	22.68	22.68	NUM
cjfa-16357	233	60	3.07	3.07	NUM
cjfa-16357	233	61	8.83	8.83	NUM
cjfa-16357	233	62	4.55	4.55	NUM
cjfa-16357	233	63	8.22	8.22	NUM
cjfa-16357	233	64	1.46	1.46	NUM
cjfa-16357	233	65	4.48	4.48	NUM
cjfa-16357	233	66	3.23	3.23	NUM
cjfa-16357	233	67	fidelity	fidelity	PROPN
cjfa-16357	233	68	international	international	ADJ
cjfa-16357	233	69	index	index	NOUN
cjfa-16357	233	70	investor	investor	NOUN
cjfa-16357	233	71	fsiix	fsiix	NOUN
cjfa-16357	233	72	16300	16300	NUM
cjfa-16357	233	73	0.2	0.2	NUM
cjfa-16357	233	74	12.32	12.32	NUM
cjfa-16357	233	75	1.29	1.29	NUM
cjfa-16357	233	76	5.75	5.75	NUM
cjfa-16357	233	77	1.04	1.04	NUM
cjfa-16357	233	78	-2.14	-2.14	NUM
cjfa-16357	233	79	-0.32	-0.32	VERB
cjfa-16357	233	80	1.4	1.4	NUM
cjfa-16357	233	81	-0.28	-0.28	NUM
cjfa-16357	233	82	american	american	ADJ
cjfa-16357	233	83	funds	funds	PROPN
cjfa-16357	233	84	intl	intl	PROPN
cjfa-16357	233	85	gr	gr	PROPN
cjfa-16357	233	86	and	and	CCONJ
cjfa-16357	233	87	inc	inc	PROPN
cjfa-16357	233	88	a	a	DET
cjfa-16357	233	89	igaax	igaax	PROPN
cjfa-16357	233	90	11200	11200	NUM
cjfa-16357	233	91	0.91	0.91	NUM
cjfa-16357	233	92	12.36	12.36	NUM
cjfa-16357	233	93	-0.47	-0.47	DET
cjfa-16357	233	94	4.85	4.85	NUM
cjfa-16357	233	95	–	–	PUNCT
cjfa-16357	233	96	-2.1	-2.1	NUM
cjfa-16357	233	97	-2.08	-2.08	NUM
cjfa-16357	233	98	0.5	0.5	NUM
cjfa-16357	233	99	–	–	PUNCT
cjfa-16357	233	100	average	average	ADJ
cjfa-16357	233	101	0.69	0.69	NUM
cjfa-16357	233	102	14.09	14.09	NUM
cjfa-16357	233	103	1.06	1.06	NUM
cjfa-16357	233	104	5.49	5.49	NUM
cjfa-16357	233	105	2.23	2.23	NUM
cjfa-16357	233	106	-0.37	-0.37	NUM
cjfa-16357	233	107	-0.55	-0.55	NUM
cjfa-16357	233	108	1.14	1.14	NUM
cjfa-16357	233	109	0.91	0.91	NUM
cjfa-16357	233	110	median	median	NOUN
cjfa-16357	233	111	0.91	0.91	NUM
cjfa-16357	233	112	msci	msci	PROPN
cjfa-16357	233	113	all	all	DET
cjfa-16357	233	114	country	country	NOUN
cjfa-16357	233	115	world	world	PROPN
cjfa-16357	233	116	ex	ex	PROPN
cjfa-16357	233	117	-	-	PROPN
cjfa-16357	233	118	u.s	u.s	PROPN
cjfa-16357	233	119	.	.	PROPN
cjfa-16357	233	120	index	index	NOUN
cjfa-16357	233	121	14.46	14.46	NUM
cjfa-16357	233	122	1.61	1.61	NUM
cjfa-16357	233	123	4.35	4.35	NUM
cjfa-16357	233	124	1.32	1.32	NUM
cjfa-16357	233	125	ishares	ishare	NOUN
cjfa-16357	233	126	msci	msci	PROPN
cjfa-16357	233	127	acwi	acwi	VERB
cjfa-16357	233	128	ex	ex	PRON
cjfa-16357	233	129	u.s	u.s	PROPN
cjfa-16357	233	130	.	.	PROPN
cjfa-16357	233	131	etf	etf	PROPN
cjfa-16357	233	132	acwx	acwx	ADJ
cjfa-16357	233	133	2070	2070	NUM
cjfa-16357	233	134	0.33	0.33	NUM
cjfa-16357	233	135	12.27	12.27	NUM
cjfa-16357	233	136	1.14	1.14	NUM
cjfa-16357	233	137	3.59	3.59	NUM
cjfa-16357	233	138	–	–	PUNCT
cjfa-16357	233	139	-2.19	-2.19	NUM
cjfa-16357	233	140	-0.47	-0.47	PRON
cjfa-16357	233	141	-0.76	-0.76	PROPN
cjfa-16357	233	142	–	–	PUNCT
cjfa-16357	233	143	spdr	spdr	NOUN
cjfa-16357	233	144	msci	msci	PROPN
cjfa-16357	233	145	acwi	acwi	VERB
cjfa-16357	233	146	ex	ex	PROPN
cjfa-16357	233	147	-	-	PROPN
cjfa-16357	233	148	us	we	PRON
cjfa-16357	233	149	etf	etf	NOUN
cjfa-16357	233	150	cwi	cwi	NOUN
cjfa-16357	233	151	1210	1210	NUM
cjfa-16357	233	152	0.3	0.3	NUM
cjfa-16357	233	153	12.77	12.77	NUM
cjfa-16357	233	154	1.77	1.77	NUM
cjfa-16357	233	155	4.07	4.07	NUM
cjfa-16357	233	156	1.83	1.83	NUM
cjfa-16357	233	157	-1.69	-1.69	NUM
cjfa-16357	233	158	0.16	0.16	NUM
cjfa-16357	233	159	-0.28	-0.28	NOUN
cjfa-16357	233	160	0.51	0.51	NUM
cjfa-16357	233	161	average	average	NOUN
cjfa-16357	233	162	0.56	0.56	NUM
cjfa-16357	233	163	12.52	12.52	NUM
cjfa-16357	233	164	1.46	1.46	NUM
cjfa-16357	233	165	3.83	3.83	NUM
cjfa-16357	233	166	1.58	1.58	NUM
cjfa-16357	233	167	-1.94	-1.94	NOUN
cjfa-16357	233	168	-0.16	-0.16	NOUN
cjfa-16357	233	169	-0.52	-0.52	NOUN
cjfa-16357	233	170	0.51	0.51	NUM
cjfa-16357	233	171	median	median	NOUN
cjfa-16357	233	172	0.32	0.32	NUM
cjfa-16357	233	173	s	s	NOUN
cjfa-16357	233	174	o	o	NOUN
cjfa-16357	233	175	u	u	NOUN
cjfa-16357	233	176	r	r	NOUN
cjfa-16357	233	177	c	c	NOUN
cjfa-16357	233	178	e	e	NOUN
cjfa-16357	233	179	:	:	PUNCT
cjfa-16357	233	180	author	author	NOUN
cjfa-16357	233	181	’s	’s	PART
cjfa-16357	233	182	own	own	ADJ
cjfa-16357	233	183	elaboration	elaboration	NOUN
cjfa-16357	233	184	based	base	VERB
cjfa-16357	233	185	on	on	ADP
cjfa-16357	233	186	:	:	PUNCT
cjfa-16357	233	187	data	datum	NOUN
cjfa-16357	233	188	source	source	NOUN
cjfa-16357	233	189	:	:	PUNCT
cjfa-16357	233	190	morningstar	morningstar	PROPN
cjfa-16357	233	191	15.03.2017	15.03.2017	NUM
cjfa-16357	233	192	.	.	PUNCT
cjfa-16357	234	1	going	go	VERB
cjfa-16357	234	2	back	back	ADV
cjfa-16357	234	3	to	to	ADP
cjfa-16357	234	4	equity	equity	NOUN
cjfa-16357	234	5	funds	fund	NOUN
cjfa-16357	234	6	,	,	PUNCT
cjfa-16357	234	7	but	but	CCONJ
cjfa-16357	234	8	outside	outside	ADP
cjfa-16357	234	9	the	the	DET
cjfa-16357	234	10	u.s	u.s	PROPN
cjfa-16357	234	11	market	market	NOUN
cjfa-16357	234	12	this	this	DET
cjfa-16357	234	13	time	time	NOUN
cjfa-16357	234	14	,	,	PUNCT
cjfa-16357	234	15	once	once	ADV
cjfa-16357	234	16	more	more	ADJ
cjfa-16357	234	17	it	it	PRON
cjfa-16357	234	18	can	can	AUX
cjfa-16357	234	19	be	be	AUX
cjfa-16357	234	20	noticed	notice	VERB
cjfa-16357	234	21	that	that	SCONJ
cjfa-16357	234	22	expenses	expense	NOUN
cjfa-16357	234	23	of	of	ADP
cjfa-16357	234	24	etfs	etfs	NOUN
cjfa-16357	234	25	are	be	AUX
cjfa-16357	234	26	lower	low	ADJ
cjfa-16357	234	27	than	than	ADP
cjfa-16357	234	28	mutual	mutual	ADJ
cjfa-16357	234	29	funds	fund	NOUN
cjfa-16357	234	30	.	.	PUNCT
cjfa-16357	235	1	average	average	ADJ
cjfa-16357	235	2	etfs	etfs	PROPN
cjfa-16357	235	3	fees	fee	NOUN
cjfa-16357	235	4	are	be	AUX
cjfa-16357	235	5	0.13	0.13	NUM
cjfa-16357	235	6	%	%	NOUN
cjfa-16357	235	7	lower	low	ADJ
cjfa-16357	235	8	than	than	ADP
cjfa-16357	235	9	mutual	mutual	ADJ
cjfa-16357	235	10	funds	fund	NOUN
cjfa-16357	235	11	.	.	PUNCT
cjfa-16357	236	1	to	to	PART
cjfa-16357	236	2	sum	sum	VERB
cjfa-16357	236	3	up	up	ADP
cjfa-16357	236	4	above	above	ADP
cjfa-16357	236	5	analysis	analysis	NOUN
cjfa-16357	236	6	,	,	PUNCT
cjfa-16357	236	7	us	us	PROPN
cjfa-16357	236	8	market	market	NOUN
cjfa-16357	236	9	and	and	CCONJ
cjfa-16357	236	10	international	international	ADJ
cjfa-16357	236	11	equity	equity	NOUN
cjfa-16357	236	12	etfs	etfs	PROPN
cjfa-16357	236	13	expense	expense	NOUN
cjfa-16357	236	14	ratio	ratio	NOUN
cjfa-16357	236	15	is	be	AUX
cjfa-16357	236	16	usually	usually	ADV
cjfa-16357	236	17	significantly	significantly	ADV
cjfa-16357	236	18	lower	low	ADJ
cjfa-16357	236	19	than	than	ADP
cjfa-16357	236	20	their	their	PRON
cjfa-16357	236	21	corresponding	corresponding	ADJ
cjfa-16357	236	22	mutual	mutual	ADJ
cjfa-16357	236	23	funds	fund	NOUN
cjfa-16357	236	24	.	.	PUNCT
cjfa-16357	237	1	bond	bond	NOUN
cjfa-16357	237	2	etfs	etfs	PROPN
cjfa-16357	237	3	fees	fee	NOUN
cjfa-16357	237	4	are	be	AUX
cjfa-16357	237	5	hard	hard	ADJ
cjfa-16357	237	6	to	to	PART
cjfa-16357	237	7	beat	beat	VERB
cjfa-16357	237	8	as	as	ADV
cjfa-16357	237	9	well	well	ADV
cjfa-16357	237	10	.	.	PUNCT
cjfa-16357	238	1	while	while	SCONJ
cjfa-16357	238	2	in	in	ADP
cjfa-16357	238	3	case	case	NOUN
cjfa-16357	238	4	of	of	ADP
cjfa-16357	238	5	money	money	NOUN
cjfa-16357	238	6	market	market	NOUN
cjfa-16357	238	7	,	,	PUNCT
cjfa-16357	238	8	both	both	DET
cjfa-16357	238	9	types	type	NOUN
cjfa-16357	238	10	of	of	ADP
cjfa-16357	238	11	investment	investment	NOUN
cjfa-16357	238	12	vehicles	vehicle	NOUN
cjfa-16357	238	13	low	low	ADJ
cjfa-16357	238	14	cost	cost	NOUN
cjfa-16357	238	15	retirement	retirement	NOUN
cjfa-16357	238	16	solutions	solution	NOUN
cjfa-16357	238	17	based	base	VERB
cjfa-16357	238	18	on	on	ADP
cjfa-16357	238	19	robo	robo	NOUN
cjfa-16357	238	20	-	-	PUNCT
cjfa-16357	238	21	advisors	advisor	NOUN
cjfa-16357	238	22	…	…	PUNCT
cjfa-16357	238	23	89	89	NUM
cjfa-16357	238	24	are	be	AUX
cjfa-16357	238	25	competitive	competitive	ADJ
cjfa-16357	238	26	in	in	ADP
cjfa-16357	238	27	terms	term	NOUN
cjfa-16357	238	28	of	of	ADP
cjfa-16357	238	29	expense	expense	NOUN
cjfa-16357	238	30	ratio	ratio	NOUN
cjfa-16357	238	31	.	.	PUNCT
cjfa-16357	239	1	based	base	VERB
cjfa-16357	239	2	on	on	ADP
cjfa-16357	239	3	figure	figure	NOUN
cjfa-16357	239	4	3	3	NUM
cjfa-16357	239	5	,	,	PUNCT
cjfa-16357	239	6	which	which	PRON
cjfa-16357	239	7	shows	show	VERB
cjfa-16357	239	8	how	how	SCONJ
cjfa-16357	239	9	a	a	DET
cjfa-16357	239	10	small	small	ADJ
cjfa-16357	239	11	difference	difference	NOUN
cjfa-16357	239	12	in	in	ADP
cjfa-16357	239	13	fees	fee	NOUN
cjfa-16357	239	14	can	can	AUX
cjfa-16357	239	15	impact	impact	VERB
cjfa-16357	239	16	future	future	ADJ
cjfa-16357	239	17	retirement	retirement	NOUN
cjfa-16357	239	18	,	,	PUNCT
cjfa-16357	239	19	choosing	choose	VERB
cjfa-16357	239	20	etfs	etfs	PROPN
cjfa-16357	239	21	instead	instead	ADV
cjfa-16357	239	22	of	of	ADP
cjfa-16357	239	23	traditional	traditional	ADJ
cjfa-16357	239	24	mutual	mutual	ADJ
cjfa-16357	239	25	funds	fund	NOUN
cjfa-16357	239	26	to	to	PART
cjfa-16357	239	27	compose	compose	VERB
cjfa-16357	239	28	long	long	ADJ
cjfa-16357	239	29	term	term	NOUN
cjfa-16357	239	30	retirement	retirement	NOUN
cjfa-16357	239	31	portfolio	portfolio	NOUN
cjfa-16357	239	32	,	,	PUNCT
cjfa-16357	239	33	can	can	AUX
cjfa-16357	239	34	bring	bring	VERB
cjfa-16357	239	35	significant	significant	ADJ
cjfa-16357	239	36	savings	saving	NOUN
cjfa-16357	239	37	.	.	PUNCT
cjfa-16357	240	1	going	go	VERB
cjfa-16357	240	2	further	far	ADV
cjfa-16357	240	3	,	,	PUNCT
cjfa-16357	240	4	retirement	retirement	NOUN
cjfa-16357	240	5	portfolio	portfolio	NOUN
cjfa-16357	240	6	based	base	VERB
cjfa-16357	240	7	on	on	ADP
cjfa-16357	240	8	etfs	etfs	PROPN
cjfa-16357	240	9	will	will	AUX
cjfa-16357	240	10	result	result	VERB
cjfa-16357	240	11	in	in	ADP
cjfa-16357	240	12	higher	high	ADJ
cjfa-16357	240	13	retirement	retirement	NOUN
cjfa-16357	240	14	than	than	ADP
cjfa-16357	240	15	portfolio	portfolio	NOUN
cjfa-16357	240	16	based	base	VERB
cjfa-16357	240	17	on	on	ADP
cjfa-16357	240	18	mutual	mutual	ADJ
cjfa-16357	240	19	funds	fund	NOUN
cjfa-16357	240	20	.	.	PUNCT
cjfa-16357	241	1	rise	rise	NOUN
cjfa-16357	241	2	of	of	ADP
cjfa-16357	241	3	robo	robo	NOUN
cjfa-16357	241	4	-	-	PUNCT
cjfa-16357	241	5	advisors	advisor	NOUN
cjfa-16357	241	6	technology	technology	NOUN
cjfa-16357	241	7	has	have	VERB
cjfa-16357	241	8	a	a	DET
cjfa-16357	241	9	huge	huge	ADJ
cjfa-16357	241	10	impact	impact	NOUN
cjfa-16357	241	11	on	on	ADP
cjfa-16357	241	12	all	all	DET
cjfa-16357	241	13	the	the	DET
cjfa-16357	241	14	industries	industry	NOUN
cjfa-16357	241	15	including	include	VERB
cjfa-16357	241	16	finance	finance	NOUN
cjfa-16357	241	17	.	.	PUNCT
cjfa-16357	242	1	implementation	implementation	NOUN
cjfa-16357	242	2	of	of	ADP
cjfa-16357	242	3	fintech	fintech	NOUN
cjfa-16357	242	4	solutions	solution	NOUN
cjfa-16357	242	5	resulted	result	VERB
cjfa-16357	242	6	in	in	ADP
cjfa-16357	242	7	rise	rise	NOUN
cjfa-16357	242	8	of	of	ADP
cjfa-16357	242	9	robo	robo	NOUN
cjfa-16357	242	10	-	-	PUNCT
cjfa-16357	242	11	advisors	advisor	NOUN
cjfa-16357	242	12	,	,	PUNCT
cjfa-16357	242	13	which	which	PRON
cjfa-16357	242	14	is	be	AUX
cjfa-16357	242	15	a	a	DET
cjfa-16357	242	16	common	common	ADJ
cjfa-16357	242	17	term	term	NOUN
cjfa-16357	242	18	for	for	ADP
cjfa-16357	242	19	digital	digital	ADJ
cjfa-16357	242	20	investment	investment	NOUN
cjfa-16357	242	21	advisory	advisory	NOUN
cjfa-16357	242	22	.	.	PUNCT
cjfa-16357	243	1	in	in	ADP
cjfa-16357	243	2	other	other	ADJ
cjfa-16357	243	3	words	word	NOUN
cjfa-16357	243	4	,	,	PUNCT
cjfa-16357	243	5	it	it	PRON
cjfa-16357	243	6	’s	’	VERB
cjfa-16357	243	7	automated	automate	VERB
cjfa-16357	243	8	investment	investment	NOUN
cjfa-16357	243	9	advisory	advisory	NOUN
cjfa-16357	243	10	and	and	CCONJ
cjfa-16357	243	11	portfolio	portfolio	NOUN
cjfa-16357	243	12	management	management	NOUN
cjfa-16357	243	13	service	service	NOUN
cjfa-16357	243	14	with	with	ADP
cjfa-16357	243	15	minimal	minimal	ADJ
cjfa-16357	243	16	,	,	PUNCT
cjfa-16357	243	17	or	or	CCONJ
cjfa-16357	243	18	no	no	DET
cjfa-16357	243	19	human	human	ADJ
cjfa-16357	243	20	intervention	intervention	NOUN
cjfa-16357	243	21	.	.	PUNCT
cjfa-16357	244	1	robo	robo	NOUN
cjfa-16357	244	2	-	-	PUNCT
cjfa-16357	244	3	advisors	advisor	NOUN
cjfa-16357	244	4	provide	provide	VERB
cjfa-16357	244	5	internet	internet	NOUN
cjfa-16357	244	6	services	service	NOUN
cjfa-16357	244	7	using	use	VERB
cjfa-16357	244	8	algorithmic	algorithmic	ADJ
cjfa-16357	244	9	portfolio	portfolio	NOUN
cjfa-16357	244	10	strategies	strategy	NOUN
cjfa-16357	244	11	.	.	PUNCT
cjfa-16357	245	1	based	base	VERB
cjfa-16357	245	2	on	on	ADP
cjfa-16357	245	3	online	online	ADJ
cjfa-16357	245	4	questionnaire	questionnaire	NOUN
cjfa-16357	245	5	filled	fill	VERB
cjfa-16357	245	6	out	out	ADP
cjfa-16357	245	7	by	by	ADP
cjfa-16357	245	8	an	an	DET
cjfa-16357	245	9	investor	investor	NOUN
cjfa-16357	245	10	,	,	PUNCT
cjfa-16357	245	11	the	the	DET
cjfa-16357	245	12	algorithm	algorithm	NOUN
cjfa-16357	245	13	assesses	assess	VERB
cjfa-16357	245	14	customer	customer	NOUN
cjfa-16357	245	15	’s	’s	PART
cjfa-16357	245	16	risk	risk	NOUN
cjfa-16357	245	17	tolerance	tolerance	NOUN
cjfa-16357	245	18	and	and	CCONJ
cjfa-16357	245	19	gathers	gather	VERB
cjfa-16357	245	20	information	information	NOUN
cjfa-16357	245	21	to	to	PART
cjfa-16357	245	22	understand	understand	VERB
cjfa-16357	245	23	client	client	PROPN
cjfa-16357	245	24	’s	’s	PART
cjfa-16357	245	25	needs	need	NOUN
cjfa-16357	245	26	and	and	CCONJ
cjfa-16357	245	27	investment	investment	NOUN
cjfa-16357	245	28	preferences	preference	NOUN
cjfa-16357	245	29	.	.	PUNCT
cjfa-16357	246	1	knowing	know	VERB
cjfa-16357	246	2	user	user	NOUN
cjfa-16357	246	3	’s	’s	PART
cjfa-16357	246	4	investment	investment	NOUN
cjfa-16357	246	5	goals	goal	NOUN
cjfa-16357	246	6	and	and	CCONJ
cjfa-16357	246	7	risk	risk	NOUN
cjfa-16357	246	8	profile	profile	NOUN
cjfa-16357	246	9	,	,	PUNCT
cjfa-16357	246	10	assets	asset	NOUN
cjfa-16357	246	11	allocation	allocation	NOUN
cjfa-16357	246	12	can	can	AUX
cjfa-16357	246	13	be	be	AUX
cjfa-16357	246	14	made	make	VERB
cjfa-16357	246	15	and	and	CCONJ
cjfa-16357	246	16	portfolio	portfolio	NOUN
cjfa-16357	246	17	recommendation	recommendation	NOUN
cjfa-16357	246	18	are	be	AUX
cjfa-16357	246	19	presented	present	VERB
cjfa-16357	246	20	.	.	PUNCT
cjfa-16357	247	1	after	after	SCONJ
cjfa-16357	247	2	the	the	DET
cjfa-16357	247	3	investment	investment	NOUN
cjfa-16357	247	4	is	be	AUX
cjfa-16357	247	5	placed	place	VERB
cjfa-16357	247	6	,	,	PUNCT
cjfa-16357	247	7	digital	digital	ADJ
cjfa-16357	247	8	advisors	advisor	NOUN
cjfa-16357	247	9	offer	offer	VERB
cjfa-16357	247	10	portfolio	portfolio	NOUN
cjfa-16357	247	11	management	management	NOUN
cjfa-16357	247	12	as	as	ADV
cjfa-16357	247	13	well	well	ADV
cjfa-16357	247	14	.	.	PUNCT
cjfa-16357	248	1	customer	customer	NOUN
cjfa-16357	248	2	receives	receive	VERB
cjfa-16357	248	3	frequently	frequently	ADV
cjfa-16357	248	4	updates	update	NOUN
cjfa-16357	248	5	,	,	PUNCT
cjfa-16357	248	6	alerts	alert	NOUN
cjfa-16357	248	7	and	and	CCONJ
cjfa-16357	248	8	market	market	NOUN
cjfa-16357	248	9	research	research	NOUN
cjfa-16357	248	10	.	.	PUNCT
cjfa-16357	249	1	to	to	PART
cjfa-16357	249	2	adjust	adjust	VERB
cjfa-16357	249	3	to	to	ADP
cjfa-16357	249	4	investment	investment	NOUN
cjfa-16357	249	5	goals	goal	NOUN
cjfa-16357	249	6	and	and	CCONJ
cjfa-16357	249	7	client	client	NOUN
cjfa-16357	249	8	’s	’s	PART
cjfa-16357	249	9	preferences	preference	NOUN
cjfa-16357	249	10	,	,	PUNCT
cjfa-16357	249	11	algorithm	algorithm	NOUN
cjfa-16357	249	12	provides	provide	VERB
cjfa-16357	249	13	periodically	periodically	ADV
cjfa-16357	249	14	portfolio	portfolio	NOUN
cjfa-16357	249	15	review	review	NOUN
cjfa-16357	249	16	and	and	CCONJ
cjfa-16357	249	17	rebalancing	rebalancing	NOUN
cjfa-16357	249	18	when	when	SCONJ
cjfa-16357	249	19	needed	need	VERB
cjfa-16357	249	20	.	.	PUNCT
cjfa-16357	250	1	robo	robo	NOUN
cjfa-16357	250	2	-	-	PUNCT
cjfa-16357	250	3	advisory	advisory	NOUN
cjfa-16357	250	4	is	be	AUX
cjfa-16357	250	5	a	a	DET
cjfa-16357	250	6	fast	fast	ADJ
cjfa-16357	250	7	growing	grow	VERB
cjfa-16357	250	8	segment	segment	NOUN
cjfa-16357	250	9	of	of	ADP
cjfa-16357	250	10	assets	asset	NOUN
cjfa-16357	250	11	management	management	NOUN
cjfa-16357	250	12	business	business	NOUN
cjfa-16357	250	13	.	.	PUNCT
cjfa-16357	251	1	regarding	regard	VERB
cjfa-16357	251	2	to	to	ADP
cjfa-16357	251	3	statista.com	statista.com	X
cjfa-16357	251	4	(	(	PUNCT
cjfa-16357	251	5	www.statista.com	www.statista.com	NOUN
cjfa-16357	251	6	)	)	PUNCT
cjfa-16357	251	7	business	business	NOUN
cjfa-16357	251	8	of	of	ADP
cjfa-16357	251	9	robos	robo	NOUN
cjfa-16357	251	10	will	will	AUX
cjfa-16357	251	11	grow	grow	VERB
cjfa-16357	251	12	from	from	ADP
cjfa-16357	251	13	500	500	NUM
cjfa-16357	251	14	bn	bn	NUM
cjfa-16357	251	15	us	us	PROPN
cjfa-16357	251	16	dollars	dollar	NOUN
cjfa-16357	251	17	in	in	ADP
cjfa-16357	251	18	2016	2016	NUM
cjfa-16357	251	19	to	to	ADP
cjfa-16357	251	20	2.2	2.2	NUM
cjfa-16357	251	21	trillion	trillion	NUM
cjfa-16357	251	22	us	us	PROPN
cjfa-16357	251	23	dollars	dollar	NOUN
cjfa-16357	251	24	in	in	ADP
cjfa-16357	251	25	2020	2020	NUM
cjfa-16357	251	26	.	.	PUNCT
cjfa-16357	252	1	booming	booming	ADJ
cjfa-16357	252	2	popularity	popularity	NOUN
cjfa-16357	252	3	comes	come	VERB
cjfa-16357	252	4	from	from	ADP
cjfa-16357	252	5	four	four	NUM
cjfa-16357	252	6	major	major	ADJ
cjfa-16357	252	7	benefits	benefit	NOUN
cjfa-16357	252	8	of	of	ADP
cjfa-16357	252	9	digital	digital	ADJ
cjfa-16357	252	10	advice	advice	NOUN
cjfa-16357	252	11	:	:	PUNCT
cjfa-16357	252	12	■	■	PUNCT
cjfa-16357	252	13	efficient	efficient	ADJ
cjfa-16357	252	14	investment	investment	NOUN
cjfa-16357	252	15	management	management	NOUN
cjfa-16357	252	16	–	–	PUNCT
cjfa-16357	252	17	robo	robo	ADJ
cjfa-16357	252	18	advisory	advisory	ADJ
cjfa-16357	252	19	platforms	platform	NOUN
cjfa-16357	252	20	are	be	AUX
cjfa-16357	252	21	based	base	VERB
cjfa-16357	252	22	on	on	ADP
cjfa-16357	252	23	algorithms	algorithm	NOUN
cjfa-16357	252	24	that	that	PRON
cjfa-16357	252	25	provide	provide	VERB
cjfa-16357	252	26	automated	automate	VERB
cjfa-16357	252	27	portfolio	portfolio	NOUN
cjfa-16357	252	28	rebalancing	rebalancing	NOUN
cjfa-16357	252	29	.	.	PUNCT
cjfa-16357	253	1	no	no	DET
cjfa-16357	253	2	customer	customer	NOUN
cjfa-16357	253	3	action	action	NOUN
cjfa-16357	253	4	is	be	AUX
cjfa-16357	253	5	required	require	VERB
cjfa-16357	253	6	.	.	PUNCT
cjfa-16357	254	1	what	what	PRON
cjfa-16357	254	2	is	be	AUX
cjfa-16357	254	3	more	more	ADJ
cjfa-16357	254	4	,	,	PUNCT
cjfa-16357	254	5	automation	automation	NOUN
cjfa-16357	254	6	eliminates	eliminate	VERB
cjfa-16357	254	7	common	common	ADJ
cjfa-16357	254	8	human	human	ADJ
cjfa-16357	254	9	investment	investment	NOUN
cjfa-16357	254	10	decision	decision	NOUN
cjfa-16357	254	11	’s	’s	PART
cjfa-16357	254	12	biases	bias	NOUN
cjfa-16357	254	13	.	.	PUNCT
cjfa-16357	255	1	■	■	PUNCT
cjfa-16357	255	2	transparency	transparency	NOUN
cjfa-16357	255	3	and	and	CCONJ
cjfa-16357	255	4	accessibility	accessibility	NOUN
cjfa-16357	255	5	–	–	PUNCT
cjfa-16357	255	6	digital	digital	ADJ
cjfa-16357	255	7	advisory	advisory	ADJ
cjfa-16357	255	8	platforms	platform	NOUN
cjfa-16357	255	9	are	be	AUX
cjfa-16357	255	10	transparent	transparent	ADJ
cjfa-16357	255	11	and	and	CCONJ
cjfa-16357	255	12	user	user	NOUN
cjfa-16357	255	13	friendly	friendly	ADJ
cjfa-16357	255	14	.	.	PUNCT
cjfa-16357	256	1	internet	internet	NOUN
cjfa-16357	256	2	platforms	platform	NOUN
cjfa-16357	256	3	or	or	CCONJ
cjfa-16357	256	4	even	even	ADV
cjfa-16357	256	5	mobile	mobile	ADJ
cjfa-16357	256	6	applications	application	NOUN
cjfa-16357	256	7	allows	allow	VERB
cjfa-16357	256	8	to	to	PART
cjfa-16357	256	9	track	track	VERB
cjfa-16357	256	10	the	the	DET
cjfa-16357	256	11	investments	investment	NOUN
cjfa-16357	256	12	24/7	24/7	PROPN
cjfa-16357	256	13	.	.	PUNCT
cjfa-16357	257	1	even	even	ADV
cjfa-16357	257	2	not	not	PART
cjfa-16357	257	3	very	very	ADV
cjfa-16357	257	4	sophisticated	sophisticated	ADJ
cjfa-16357	257	5	investors	investor	NOUN
cjfa-16357	257	6	are	be	AUX
cjfa-16357	257	7	able	able	ADJ
cjfa-16357	257	8	to	to	PART
cjfa-16357	257	9	analyze	analyze	VERB
cjfa-16357	257	10	the	the	DET
cjfa-16357	257	11	return	return	NOUN
cjfa-16357	257	12	and	and	CCONJ
cjfa-16357	257	13	compare	compare	VERB
cjfa-16357	257	14	it	it	PRON
cjfa-16357	257	15	vs	vs	ADP
cjfa-16357	257	16	benchmark	benchmark	NOUN
cjfa-16357	257	17	.	.	PUNCT
cjfa-16357	258	1	■	■	PUNCT
cjfa-16357	258	2	diversification	diversification	NOUN
cjfa-16357	258	3	–	–	PUNCT
cjfa-16357	258	4	system	system	NOUN
cjfa-16357	258	5	captures	capture	VERB
cjfa-16357	258	6	the	the	DET
cjfa-16357	258	7	customers	customer	NOUN
cjfa-16357	258	8	’	’	PART
cjfa-16357	258	9	investment	investment	NOUN
cjfa-16357	258	10	objectives	objective	NOUN
cjfa-16357	258	11	,	,	PUNCT
cjfa-16357	258	12	time	time	NOUN
cjfa-16357	258	13	horizon	horizon	NOUN
cjfa-16357	258	14	and	and	CCONJ
cjfa-16357	258	15	attitude	attitude	NOUN
cjfa-16357	258	16	to	to	ADP
cjfa-16357	258	17	risk	risk	NOUN
cjfa-16357	258	18	.	.	PUNCT
cjfa-16357	259	1	based	base	VERB
cjfa-16357	259	2	on	on	ADP
cjfa-16357	259	3	investors	investor	NOUN
cjfa-16357	259	4	’	'	PUNCT
cjfa-16357	259	5	preferences	preference	NOUN
cjfa-16357	259	6	algorithm	algorithm	NOUN
cjfa-16357	259	7	adheres	adhere	VERB
cjfa-16357	259	8	to	to	ADP
cjfa-16357	259	9	modern	modern	ADJ
cjfa-16357	259	10	portfolio	portfolio	NOUN
cjfa-16357	259	11	theory	theory	NOUN
cjfa-16357	259	12	which	which	PRON
cjfa-16357	259	13	manages	manage	VERB
cjfa-16357	259	14	risk	risk	NOUN
cjfa-16357	259	15	exposure	exposure	NOUN
cjfa-16357	259	16	through	through	ADP
cjfa-16357	259	17	portfolio	portfolio	NOUN
cjfa-16357	259	18	diversification	diversification	NOUN
cjfa-16357	259	19	,	,	PUNCT
cjfa-16357	259	20	investing	invest	VERB
cjfa-16357	259	21	in	in	ADP
cjfa-16357	259	22	low	low	ADJ
cjfa-16357	259	23	costs	cost	NOUN
cjfa-16357	259	24	etfs	etfs	NOUN
cjfa-16357	259	25	.	.	PUNCT
cjfa-16357	260	1	kamil	kamil	PROPN
cjfa-16357	260	2	nowak90	nowak90	PROPN
cjfa-16357	260	3	■	■	PUNCT
cjfa-16357	260	4	lower	low	ADJ
cjfa-16357	260	5	fees	fee	NOUN
cjfa-16357	260	6	and	and	CCONJ
cjfa-16357	260	7	lower	low	ADJ
cjfa-16357	260	8	minimum	minimum	ADJ
cjfa-16357	260	9	investment	investment	NOUN
cjfa-16357	260	10	requirements	requirement	NOUN
cjfa-16357	260	11	than	than	ADP
cjfa-16357	260	12	traditional	traditional	ADJ
cjfa-16357	260	13	asset	asset	NOUN
cjfa-16357	260	14	managers	manager	NOUN
cjfa-16357	260	15	attract	attract	VERB
cjfa-16357	260	16	investors	investor	NOUN
cjfa-16357	260	17	,	,	PUNCT
cjfa-16357	260	18	who	who	PRON
cjfa-16357	260	19	do	do	AUX
cjfa-16357	260	20	n’t	not	PART
cjfa-16357	260	21	qualify	qualify	VERB
cjfa-16357	260	22	to	to	PART
cjfa-16357	260	23	be	be	AUX
cjfa-16357	260	24	served	serve	VERB
cjfa-16357	260	25	by	by	ADP
cjfa-16357	260	26	traditional	traditional	ADJ
cjfa-16357	260	27	institutions	institution	NOUN
cjfa-16357	260	28	(	(	PUNCT
cjfa-16357	260	29	france	france	PROPN
cjfa-16357	260	30	-	-	PUNCT
cjfa-16357	260	31	massey	massey	PROPN
cjfa-16357	260	32	,	,	PUNCT
cjfa-16357	260	33	2016	2016	NUM
cjfa-16357	260	34	,	,	PUNCT
cjfa-16357	260	35	p.	p.	NOUN
cjfa-16357	260	36	29	29	NUM
cjfa-16357	260	37	)	)	PUNCT
cjfa-16357	260	38	.	.	PUNCT
cjfa-16357	261	1	robos	robo	NOUN
cjfa-16357	261	2	’	'	PUNCT
cjfa-16357	261	3	fees	fee	NOUN
cjfa-16357	261	4	are	be	AUX
cjfa-16357	261	5	significantly	significantly	ADV
cjfa-16357	261	6	lower	low	ADJ
cjfa-16357	261	7	than	than	ADP
cjfa-16357	261	8	traditional	traditional	ADJ
cjfa-16357	261	9	asset	asset	NOUN
cjfa-16357	261	10	managers	manager	NOUN
cjfa-16357	261	11	.	.	PUNCT
cjfa-16357	262	1	typically	typically	ADV
cjfa-16357	262	2	,	,	PUNCT
cjfa-16357	262	3	all	all	DET
cjfa-16357	262	4	the	the	DET
cjfa-16357	262	5	expenses	expense	NOUN
cjfa-16357	262	6	are	be	AUX
cjfa-16357	262	7	not	not	PART
cjfa-16357	262	8	higher	high	ADJ
cjfa-16357	262	9	than	than	ADP
cjfa-16357	262	10	1	1	NUM
cjfa-16357	262	11	%	%	NOUN
cjfa-16357	262	12	of	of	ADP
cjfa-16357	262	13	aum	aum	NOUN
cjfa-16357	262	14	,	,	PUNCT
cjfa-16357	262	15	but	but	CCONJ
cjfa-16357	262	16	same	same	ADJ
cjfa-16357	262	17	advisors	advisor	NOUN
cjfa-16357	262	18	offer	offer	VERB
cjfa-16357	262	19	fees	fee	NOUN
cjfa-16357	262	20	as	as	ADV
cjfa-16357	262	21	low	low	ADJ
cjfa-16357	262	22	as	as	ADP
cjfa-16357	262	23	zero	zero	NUM
cjfa-16357	262	24	.	.	PUNCT
cjfa-16357	263	1	how	how	SCONJ
cjfa-16357	263	2	is	be	AUX
cjfa-16357	263	3	it	it	PRON
cjfa-16357	263	4	possible	possible	ADJ
cjfa-16357	263	5	to	to	PART
cjfa-16357	263	6	charge	charge	VERB
cjfa-16357	263	7	customers	customer	NOUN
cjfa-16357	263	8	with	with	ADP
cjfa-16357	263	9	so	so	ADV
cjfa-16357	263	10	low	low	ADJ
cjfa-16357	263	11	fees	fee	NOUN
cjfa-16357	263	12	and	and	CCONJ
cjfa-16357	263	13	still	still	ADV
cjfa-16357	263	14	keep	keep	VERB
cjfa-16357	263	15	the	the	DET
cjfa-16357	263	16	business	business	NOUN
cjfa-16357	263	17	profitable	profitable	ADJ
cjfa-16357	263	18	?	?	PUNCT
cjfa-16357	264	1	of	of	ADV
cjfa-16357	264	2	course	course	ADV
cjfa-16357	264	3	thanks	thank	NOUN
cjfa-16357	264	4	to	to	ADP
cjfa-16357	264	5	technology	technology	NOUN
cjfa-16357	264	6	,	,	PUNCT
cjfa-16357	264	7	which	which	PRON
cjfa-16357	264	8	not	not	PART
cjfa-16357	264	9	only	only	ADV
cjfa-16357	264	10	empowers	empower	VERB
cjfa-16357	264	11	portfolio	portfolio	NOUN
cjfa-16357	264	12	allocations	allocation	NOUN
cjfa-16357	264	13	and	and	CCONJ
cjfa-16357	264	14	investment	investment	NOUN
cjfa-16357	264	15	management	management	NOUN
cjfa-16357	264	16	,	,	PUNCT
cjfa-16357	264	17	but	but	CCONJ
cjfa-16357	264	18	impacts	impact	VERB
cjfa-16357	264	19	record	record	NOUN
cjfa-16357	264	20	keeping	keeping	NOUN
cjfa-16357	264	21	,	,	PUNCT
cjfa-16357	264	22	compliance	compliance	NOUN
cjfa-16357	264	23	reviews	review	NOUN
cjfa-16357	264	24	and	and	CCONJ
cjfa-16357	264	25	periodical	periodical	ADJ
cjfa-16357	264	26	rebalancing	rebalancing	NOUN
cjfa-16357	264	27	.	.	PUNCT
cjfa-16357	265	1	processes	process	NOUN
cjfa-16357	265	2	,	,	PUNCT
cjfa-16357	265	3	which	which	PRON
cjfa-16357	265	4	in	in	ADP
cjfa-16357	265	5	case	case	NOUN
cjfa-16357	265	6	of	of	ADP
cjfa-16357	265	7	traditional	traditional	ADJ
cjfa-16357	265	8	asset	asset	NOUN
cjfa-16357	265	9	management	management	NOUN
cjfa-16357	265	10	company	company	NOUN
cjfa-16357	265	11	represent	represent	VERB
cjfa-16357	265	12	significant	significant	ADJ
cjfa-16357	265	13	share	share	NOUN
cjfa-16357	265	14	of	of	ADP
cjfa-16357	265	15	operation	operation	NOUN
cjfa-16357	265	16	costs	cost	NOUN
cjfa-16357	265	17	,	,	PUNCT
cjfa-16357	265	18	can	can	AUX
cjfa-16357	265	19	be	be	AUX
cjfa-16357	265	20	fully	fully	ADV
cjfa-16357	265	21	automated	automate	VERB
cjfa-16357	265	22	and	and	CCONJ
cjfa-16357	265	23	fewer	few	ADJ
cjfa-16357	265	24	personnel	personnel	NOUN
cjfa-16357	265	25	is	be	AUX
cjfa-16357	265	26	required	require	VERB
cjfa-16357	265	27	.	.	PUNCT
cjfa-16357	266	1	thanks	thank	NOUN
cjfa-16357	266	2	to	to	ADP
cjfa-16357	266	3	significant	significant	ADJ
cjfa-16357	266	4	cost	cost	NOUN
cjfa-16357	266	5	reduction	reduction	NOUN
cjfa-16357	266	6	digital	digital	ADJ
cjfa-16357	266	7	advisors	advisor	NOUN
cjfa-16357	266	8	can	can	AUX
cjfa-16357	266	9	operate	operate	VERB
cjfa-16357	266	10	at	at	ADP
cjfa-16357	266	11	much	much	ADV
cjfa-16357	266	12	lower	low	ADJ
cjfa-16357	266	13	costs	cost	NOUN
cjfa-16357	266	14	and	and	CCONJ
cjfa-16357	266	15	those	those	DET
cjfa-16357	266	16	savings	saving	NOUN
cjfa-16357	266	17	can	can	AUX
cjfa-16357	266	18	be	be	AUX
cjfa-16357	266	19	passed	pass	VERB
cjfa-16357	266	20	on	on	ADP
cjfa-16357	266	21	to	to	ADP
cjfa-16357	266	22	the	the	DET
cjfa-16357	266	23	investors	investor	NOUN
cjfa-16357	266	24	(	(	PUNCT
cjfa-16357	266	25	xia	xia	PROPN
cjfa-16357	266	26	,	,	PUNCT
cjfa-16357	266	27	2016	2016	NUM
cjfa-16357	266	28	)	)	PUNCT
cjfa-16357	266	29	.	.	PUNCT
cjfa-16357	267	1	another	another	DET
cjfa-16357	267	2	advantage	advantage	NOUN
cjfa-16357	267	3	of	of	ADP
cjfa-16357	267	4	robo	robo	NOUN
cjfa-16357	267	5	advisors	advisor	NOUN
cjfa-16357	267	6	,	,	PUNCT
cjfa-16357	267	7	which	which	PRON
cjfa-16357	267	8	attracts	attract	VERB
cjfa-16357	267	9	customers	customer	NOUN
cjfa-16357	267	10	is	be	AUX
cjfa-16357	267	11	transparency	transparency	NOUN
cjfa-16357	267	12	of	of	ADP
cjfa-16357	267	13	the	the	DET
cjfa-16357	267	14	fees	fee	NOUN
cjfa-16357	267	15	.	.	PUNCT
cjfa-16357	268	1	investors	investor	NOUN
cjfa-16357	268	2	have	have	VERB
cjfa-16357	268	3	to	to	PART
cjfa-16357	268	4	pay	pay	VERB
cjfa-16357	268	5	only	only	ADV
cjfa-16357	268	6	one	one	NUM
cjfa-16357	268	7	annual	annual	ADJ
cjfa-16357	268	8	management	management	NOUN
cjfa-16357	268	9	fee	fee	NOUN
cjfa-16357	268	10	and	and	CCONJ
cjfa-16357	268	11	etf	etf	NOUN
cjfa-16357	268	12	fees	fee	NOUN
cjfa-16357	268	13	on	on	ADP
cjfa-16357	268	14	the	the	DET
cjfa-16357	268	15	assets	asset	NOUN
cjfa-16357	268	16	they	they	PRON
cjfa-16357	268	17	hold	hold	VERB
cjfa-16357	268	18	.	.	PUNCT
cjfa-16357	269	1	table	table	NOUN
cjfa-16357	269	2	7	7	NUM
cjfa-16357	269	3	compares	compare	VERB
cjfa-16357	269	4	10	10	NUM
cjfa-16357	269	5	top	top	NOUN
cjfa-16357	269	6	us	us	PROPN
cjfa-16357	269	7	robo	robo	NOUN
cjfa-16357	269	8	advisors	advisor	NOUN
cjfa-16357	269	9	.	.	PUNCT
cjfa-16357	270	1	breaking	break	VERB
cjfa-16357	270	2	the	the	DET
cjfa-16357	270	3	list	list	NOUN
cjfa-16357	270	4	by	by	ADP
cjfa-16357	270	5	assets	asset	NOUN
cjfa-16357	270	6	,	,	PUNCT
cjfa-16357	270	7	it	it	PRON
cjfa-16357	270	8	is	be	AUX
cjfa-16357	270	9	obvious	obvious	ADJ
cjfa-16357	270	10	that	that	SCONJ
cjfa-16357	270	11	,	,	PUNCT
cjfa-16357	270	12	2	2	NUM
cjfa-16357	270	13	firms	firm	NOUN
cjfa-16357	270	14	are	be	AUX
cjfa-16357	270	15	dominating	dominate	VERB
cjfa-16357	270	16	the	the	DET
cjfa-16357	270	17	market	market	NOUN
cjfa-16357	270	18	,	,	PUNCT
cjfa-16357	270	19	both	both	PRON
cjfa-16357	270	20	owned	own	VERB
cjfa-16357	270	21	by	by	ADP
cjfa-16357	270	22	traditional	traditional	ADJ
cjfa-16357	270	23	asset	asset	NOUN
cjfa-16357	270	24	managers	manager	NOUN
cjfa-16357	270	25	–	–	PUNCT
cjfa-16357	270	26	vanguard	vanguard	NOUN
cjfa-16357	270	27	and	and	CCONJ
cjfa-16357	270	28	schwab	schwab	NOUN
cjfa-16357	270	29	.	.	PUNCT
cjfa-16357	271	1	what	what	PRON
cjfa-16357	271	2	is	be	AUX
cjfa-16357	271	3	more	more	ADJ
cjfa-16357	271	4	,	,	PUNCT
cjfa-16357	271	5	the	the	DET
cjfa-16357	271	6	sixth	sixth	ADV
cjfa-16357	271	7	biggest	big	ADJ
cjfa-16357	271	8	firm	firm	ADJ
cjfa-16357	271	9	future	future	ADJ
cjfa-16357	271	10	advisors	advisor	NOUN
cjfa-16357	271	11	belongs	belong	VERB
cjfa-16357	271	12	to	to	ADP
cjfa-16357	271	13	blackrock	blackrock	NOUN
cjfa-16357	271	14	.	.	PUNCT
cjfa-16357	272	1	all	all	PRON
cjfa-16357	272	2	of	of	ADP
cjfa-16357	272	3	the	the	DET
cjfa-16357	272	4	robos	robo	NOUN
cjfa-16357	272	5	offers	offer	VERB
cjfa-16357	272	6	mostly	mostly	ADV
cjfa-16357	272	7	etfs	etfs	NOUN
cjfa-16357	272	8	of	of	ADP
cjfa-16357	272	9	well	well	ADV
cjfa-16357	272	10	known	know	VERB
cjfa-16357	272	11	providers	provider	NOUN
cjfa-16357	272	12	.	.	PUNCT
cjfa-16357	273	1	most	most	ADJ
cjfa-16357	273	2	of	of	ADP
cjfa-16357	273	3	the	the	DET
cjfa-16357	273	4	portfolios	portfolio	NOUN
cjfa-16357	273	5	are	be	AUX
cjfa-16357	273	6	rebalanced	rebalance	VERB
cjfa-16357	273	7	automatically	automatically	ADV
cjfa-16357	273	8	on	on	ADP
cjfa-16357	273	9	contribution	contribution	NOUN
cjfa-16357	273	10	,	,	PUNCT
cjfa-16357	273	11	withdrawal	withdrawal	NOUN
cjfa-16357	273	12	,	,	PUNCT
cjfa-16357	273	13	dividends	dividend	NOUN
cjfa-16357	273	14	and	and	CCONJ
cjfa-16357	273	15	whenever	whenever	SCONJ
cjfa-16357	273	16	allocations	allocation	NOUN
cjfa-16357	273	17	drift	drift	NOUN
cjfa-16357	273	18	from	from	ADP
cjfa-16357	273	19	their	their	PRON
cjfa-16357	273	20	target	target	NOUN
cjfa-16357	273	21	.	.	PUNCT
cjfa-16357	274	1	setting	set	VERB
cjfa-16357	274	2	up	up	ADP
cjfa-16357	274	3	the	the	DET
cjfa-16357	274	4	account	account	NOUN
cjfa-16357	274	5	is	be	AUX
cjfa-16357	274	6	easy	easy	ADJ
cjfa-16357	274	7	.	.	PUNCT
cjfa-16357	275	1	all	all	PRON
cjfa-16357	275	2	of	of	ADP
cjfa-16357	275	3	the	the	DET
cjfa-16357	275	4	platforms	platform	NOUN
cjfa-16357	275	5	allows	allow	VERB
cjfa-16357	275	6	to	to	PART
cjfa-16357	275	7	open	open	VERB
cjfa-16357	275	8	the	the	DET
cjfa-16357	275	9	account	account	NOUN
cjfa-16357	275	10	online	online	ADV
cjfa-16357	275	11	.	.	PUNCT
cjfa-16357	276	1	minimum	minimum	ADJ
cjfa-16357	276	2	balance	balance	NOUN
cjfa-16357	276	3	required	require	VERB
cjfa-16357	276	4	to	to	PART
cjfa-16357	276	5	open	open	VERB
cjfa-16357	276	6	the	the	DET
cjfa-16357	276	7	account	account	NOUN
cjfa-16357	276	8	can	can	AUX
cjfa-16357	276	9	be	be	AUX
cjfa-16357	276	10	as	as	ADV
cjfa-16357	276	11	low	low	ADJ
cjfa-16357	276	12	as	as	ADP
cjfa-16357	276	13	$	$	SYM
cjfa-16357	276	14	0	0	NUM
cjfa-16357	276	15	for	for	ADP
cjfa-16357	276	16	some	some	DET
cjfa-16357	276	17	advisors	advisor	NOUN
cjfa-16357	276	18	.	.	PUNCT
cjfa-16357	277	1	what	what	PRON
cjfa-16357	277	2	makes	make	VERB
cjfa-16357	277	3	investing	invest	VERB
cjfa-16357	277	4	even	even	ADV
cjfa-16357	277	5	more	more	ADV
cjfa-16357	277	6	accessible	accessible	ADJ
cjfa-16357	277	7	for	for	ADP
cjfa-16357	277	8	beginner	beginner	NOUN
cjfa-16357	277	9	investors	investor	NOUN
cjfa-16357	277	10	.	.	PUNCT
cjfa-16357	278	1	‘	'	PUNCT
cjfa-16357	278	2	fees	fee	NOUN
cjfa-16357	278	3	’	'	PUNCT
cjfa-16357	278	4	is	be	AUX
cjfa-16357	278	5	of	of	ADP
cjfa-16357	278	6	course	course	NOUN
cjfa-16357	278	7	the	the	DET
cjfa-16357	278	8	most	most	ADV
cjfa-16357	278	9	interesting	interesting	ADJ
cjfa-16357	278	10	column	column	NOUN
cjfa-16357	278	11	.	.	PUNCT
cjfa-16357	279	1	they	they	PRON
cjfa-16357	279	2	vary	vary	VERB
cjfa-16357	279	3	from	from	ADP
cjfa-16357	279	4	0.1	0.1	NUM
cjfa-16357	279	5	%	%	NOUN
cjfa-16357	279	6	to	to	PART
cjfa-16357	279	7	0.5	0.5	NUM
cjfa-16357	279	8	%	%	NOUN
cjfa-16357	279	9	.	.	PUNCT
cjfa-16357	280	1	it	it	PRON
cjfa-16357	280	2	can	can	AUX
cjfa-16357	280	3	be	be	AUX
cjfa-16357	280	4	noticed	notice	VERB
cjfa-16357	280	5	that	that	SCONJ
cjfa-16357	280	6	higher	high	ADJ
cjfa-16357	280	7	fees	fee	NOUN
cjfa-16357	280	8	are	be	AUX
cjfa-16357	280	9	usually	usually	ADV
cjfa-16357	280	10	correlated	correlate	VERB
cjfa-16357	280	11	with	with	ADP
cjfa-16357	280	12	high	high	ADJ
cjfa-16357	280	13	human	human	ADJ
cjfa-16357	280	14	interference	interference	NOUN
cjfa-16357	280	15	,	,	PUNCT
cjfa-16357	280	16	so	so	ADV
cjfa-16357	280	17	savvy	savvy	ADJ
cjfa-16357	280	18	investors	investor	NOUN
cjfa-16357	280	19	should	should	AUX
cjfa-16357	280	20	choose	choose	VERB
cjfa-16357	280	21	rather	rather	ADV
cjfa-16357	280	22	fully	fully	ADV
cjfa-16357	280	23	automated	automate	VERB
cjfa-16357	280	24	platforms	platform	NOUN
cjfa-16357	280	25	.	.	PUNCT
cjfa-16357	281	1	tax	tax	NOUN
cjfa-16357	281	2	-	-	PUNCT
cjfa-16357	281	3	loss	loss	NOUN
cjfa-16357	281	4	harvesting	harvesting	NOUN
cjfa-16357	281	5	may	may	AUX
cjfa-16357	281	6	be	be	AUX
cjfa-16357	281	7	as	as	ADV
cjfa-16357	281	8	important	important	ADJ
cjfa-16357	281	9	as	as	ADP
cjfa-16357	281	10	the	the	DET
cjfa-16357	281	11	fees	fee	NOUN
cjfa-16357	281	12	,	,	PUNCT
cjfa-16357	281	13	because	because	SCONJ
cjfa-16357	281	14	when	when	SCONJ
cjfa-16357	281	15	provided	provide	VERB
cjfa-16357	281	16	on	on	ADP
cjfa-16357	281	17	daily	daily	ADJ
cjfa-16357	281	18	basis	basis	NOUN
cjfa-16357	281	19	,	,	PUNCT
cjfa-16357	281	20	it	it	PRON
cjfa-16357	281	21	can	can	AUX
cjfa-16357	281	22	boost	boost	VERB
cjfa-16357	281	23	annual	annual	ADJ
cjfa-16357	281	24	return	return	NOUN
cjfa-16357	281	25	by	by	ADP
cjfa-16357	281	26	even	even	ADV
cjfa-16357	281	27	2	2	NUM
cjfa-16357	281	28	%	%	NOUN
cjfa-16357	281	29	.	.	PUNCT
cjfa-16357	282	1	on	on	ADP
cjfa-16357	282	2	the	the	DET
cjfa-16357	282	3	other	other	ADJ
cjfa-16357	282	4	hand	hand	NOUN
cjfa-16357	282	5	,	,	PUNCT
cjfa-16357	282	6	table	table	NOUN
cjfa-16357	282	7	8	8	NUM
cjfa-16357	282	8	presents	present	NOUN
cjfa-16357	282	9	average	average	ADJ
cjfa-16357	282	10	financial	financial	ADJ
cjfa-16357	282	11	advisor	advisor	NOUN
cjfa-16357	282	12	fees	fee	NOUN
cjfa-16357	282	13	.	.	PUNCT
cjfa-16357	283	1	of	of	ADV
cjfa-16357	283	2	course	course	ADV
cjfa-16357	283	3	they	they	PRON
cjfa-16357	283	4	are	be	AUX
cjfa-16357	283	5	much	much	ADV
cjfa-16357	283	6	higher	high	ADJ
cjfa-16357	283	7	than	than	ADP
cjfa-16357	283	8	robos	robo	NOUN
cjfa-16357	283	9	’	'	PUNCT
cjfa-16357	283	10	.	.	PUNCT
cjfa-16357	284	1	fa	fa	X
cjfa-16357	284	2	’s	’s	PART
cjfa-16357	284	3	fees	fee	NOUN
cjfa-16357	284	4	can	can	AUX
cjfa-16357	284	5	decline	decline	VERB
cjfa-16357	284	6	below	below	ADP
cjfa-16357	284	7	1	1	NUM
cjfa-16357	284	8	%	%	NOUN
cjfa-16357	284	9	only	only	ADV
cjfa-16357	284	10	for	for	ADP
cjfa-16357	284	11	larger	large	ADJ
cjfa-16357	284	12	than	than	ADP
cjfa-16357	284	13	1	1	NUM
cjfa-16357	284	14	million	million	NUM
cjfa-16357	284	15	usd	usd	NOUN
cjfa-16357	284	16	.	.	PUNCT
cjfa-16357	284	17	table	table	NOUN
cjfa-16357	284	18	7	7	NUM
cjfa-16357	284	19	.	.	PUNCT
cjfa-16357	284	20	top	top	VERB
cjfa-16357	284	21	us	us	PROPN
cjfa-16357	284	22	robo	robo	NOUN
cjfa-16357	284	23	advisors	advisor	NOUN
cjfa-16357	284	24	characteristics	characteristics	PROPN
cjfa-16357	284	25	firm	firm	PROPN
cjfa-16357	284	26	aum	aum	PROPN
cjfa-16357	284	27	(	(	PUNCT
cjfa-16357	284	28	millions	millions	NUM
cjfa-16357	284	29	usd	usd	NOUN
cjfa-16357	284	30	)	)	PUNCT
cjfa-16357	284	31	human	human	ADJ
cjfa-16357	284	32	touch	touch	NOUN
cjfa-16357	284	33	portfolio	portfolio	NOUN
cjfa-16357	284	34	rebalancing	rebalancing	NOUN
cjfa-16357	284	35	tax	tax	NOUN
cjfa-16357	284	36	-	-	PUNCT
cjfa-16357	284	37	loss	loss	NOUN
cjfa-16357	284	38	harvesting	harvesting	NOUN
cjfa-16357	284	39	fees	fee	NOUN
cjfa-16357	284	40	account	account	VERB
cjfa-16357	284	41	minimum	minimum	NOUN
cjfa-16357	284	42	vanguard	vanguard	PROPN
cjfa-16357	284	43	personal	personal	PROPN
cjfa-16357	284	44	advisor	advisor	PROPN
cjfa-16357	284	45	services	service	NOUN
cjfa-16357	284	46	47,000	47,000	NUM
cjfa-16357	284	47	high	high	ADJ
cjfa-16357	284	48	vanguard	vanguard	NOUN
cjfa-16357	284	49	mutual	mutual	ADJ
cjfa-16357	284	50	funds	fund	NOUN
cjfa-16357	284	51	,	,	PUNCT
cjfa-16357	284	52	etfs	etfs	PROPN
cjfa-16357	284	53	quarterly	quarterly	ADV
cjfa-16357	284	54	on	on	ADP
cjfa-16357	284	55	case	case	NOUN
cjfa-16357	284	56	by	by	ADP
cjfa-16357	284	57	case	case	NOUN
cjfa-16357	284	58	basis	basis	NOUN
cjfa-16357	284	59	0,30	0,30	NUM
cjfa-16357	284	60	%	%	NOUN
cjfa-16357	284	61	for	for	ADP
cjfa-16357	284	62	portfolios	portfolio	NOUN
cjfa-16357	284	63	below	below	ADP
cjfa-16357	284	64	$	$	SYM
cjfa-16357	284	65	5	5	NUM
cjfa-16357	284	66	m	m	NOUN
cjfa-16357	284	67	,	,	PUNCT
cjfa-16357	284	68	above	above	ADP
cjfa-16357	284	69	$	$	SYM
cjfa-16357	284	70	5	5	NUM
cjfa-16357	284	71	m	m	NOUN
cjfa-16357	284	72	fees	fee	NOUN
cjfa-16357	284	73	drop	drop	NOUN
cjfa-16357	284	74	by	by	ADP
cjfa-16357	284	75	tier	tier	NOUN
cjfa-16357	284	76	,	,	PUNCT
cjfa-16357	284	77	lowest	low	ADJ
cjfa-16357	284	78	fee	fee	NOUN
cjfa-16357	284	79	0,05	0,05	NOUN
cjfa-16357	284	80	%	%	NOUN
cjfa-16357	284	81	for	for	ADP
cjfa-16357	284	82	portfolios	portfolio	NOUN
cjfa-16357	284	83	larger	large	ADJ
cjfa-16357	284	84	than	than	ADP
cjfa-16357	284	85	$	$	SYM
cjfa-16357	284	86	25	25	NUM
cjfa-16357	284	87	m	m	NOUN
cjfa-16357	284	88	$	$	SYM
cjfa-16357	284	89	50,000	50,000	NUM
cjfa-16357	284	90	schwab	schwab	NOUN
cjfa-16357	284	91	intelligent	intelligent	ADJ
cjfa-16357	284	92	portfolios	portfolio	NOUN
cjfa-16357	284	93	12,300	12,300	NUM
cjfa-16357	284	94	low	low	ADJ
cjfa-16357	284	95	schwab	schwab	NOUN
cjfa-16357	284	96	and	and	CCONJ
cjfa-16357	284	97	third	third	ADJ
cjfa-16357	284	98	party	party	PROPN
cjfa-16357	284	99	etfs	etfs	PROPN
cjfa-16357	284	100	automatic	automatic	ADJ
cjfa-16357	284	101	,	,	PUNCT
cjfa-16357	284	102	daily	daily	ADV
cjfa-16357	284	103	for	for	ADP
cjfa-16357	284	104	accounts	account	NOUN
cjfa-16357	284	105	of	of	ADP
cjfa-16357	284	106	$	$	SYM
cjfa-16357	284	107	50,000	50,000	NUM
cjfa-16357	284	108	or	or	CCONJ
cjfa-16357	284	109	more	more	ADJ
cjfa-16357	284	110	0,1	0,1	NUM
cjfa-16357	284	111	%	%	NOUN
cjfa-16357	284	112	under	under	ADP
cjfa-16357	284	113	$	$	SYM
cjfa-16357	284	114	100	100	NUM
cjfa-16357	284	115	m	m	NOUN
cjfa-16357	284	116	no	no	DET
cjfa-16357	284	117	charge	charge	NOUN
cjfa-16357	284	118	above	above	ADP
cjfa-16357	284	119	$	$	SYM
cjfa-16357	284	120	100	100	NUM
cjfa-16357	284	121	m	m	NUM
cjfa-16357	284	122	$	$	SYM
cjfa-16357	284	123	5,000	5,000	NUM
cjfa-16357	284	124	betterment	betterment	NOUN
cjfa-16357	284	125	6,700	6,700	NUM
cjfa-16357	284	126	low	low	ADJ
cjfa-16357	284	127	vanguard	vanguard	PROPN
cjfa-16357	284	128	and	and	CCONJ
cjfa-16357	284	129	ishares	ishares	PROPN
cjfa-16357	284	130	etfs	etfs	PROPN
cjfa-16357	284	131	automatic	automatic	ADJ
cjfa-16357	284	132	,	,	PUNCT
cjfa-16357	284	133	whenever	whenever	SCONJ
cjfa-16357	284	134	allocations	allocation	NOUN
cjfa-16357	284	135	drift	drift	NOUN
cjfa-16357	284	136	3	3	NUM
cjfa-16357	284	137	%	%	NOUN
cjfa-16357	284	138	from	from	ADP
cjfa-16357	284	139	the	the	DET
cjfa-16357	284	140	target	target	NOUN
cjfa-16357	284	141	daily	daily	ADV
cjfa-16357	284	142	on	on	ADP
cjfa-16357	284	143	all	all	DET
cjfa-16357	284	144	accounts	account	NOUN
cjfa-16357	284	145	0,15	0,15	NOUN
cjfa-16357	284	146	-	-	SYM
cjfa-16357	284	147	0,35	0,35	NUM
cjfa-16357	284	148	%	%	NOUN
cjfa-16357	284	149	…	…	PUNCT
cjfa-16357	284	150	.	.	PUNCT
cjfa-16357	285	1	$	$	SYM
cjfa-16357	285	2	0	0	NUM
cjfa-16357	285	3	wealthfront	wealthfront	NOUN
cjfa-16357	285	4	4,348	4,348	NUM
cjfa-16357	285	5	low	low	ADJ
cjfa-16357	285	6	vanguard	vanguard	NOUN
cjfa-16357	285	7	,	,	PUNCT
cjfa-16357	285	8	schwab	schwab	PROPN
cjfa-16357	285	9	,	,	PUNCT
cjfa-16357	285	10	ishares	ishare	NOUN
cjfa-16357	285	11	and	and	CCONJ
cjfa-16357	285	12	spdr	spdr	PROPN
cjfa-16357	285	13	etfs	etfs	PROPN
cjfa-16357	285	14	automatic	automatic	ADJ
cjfa-16357	285	15	,	,	PUNCT
cjfa-16357	285	16	whenever	whenever	SCONJ
cjfa-16357	285	17	allocations	allocation	NOUN
cjfa-16357	285	18	drift	drift	NOUN
cjfa-16357	285	19	from	from	ADP
cjfa-16357	285	20	the	the	DET
cjfa-16357	285	21	target	target	NOUN
cjfa-16357	285	22	daily	daily	ADV
cjfa-16357	285	23	on	on	ADP
cjfa-16357	285	24	all	all	DET
cjfa-16357	285	25	accounts	account	NOUN
cjfa-16357	285	26	no	no	DET
cjfa-16357	285	27	charge	charge	NOUN
cjfa-16357	285	28	for	for	ADP
cjfa-16357	285	29	first	first	ADJ
cjfa-16357	285	30	$	$	SYM
cjfa-16357	285	31	10,000	10,000	NUM
cjfa-16357	285	32	above	above	ADP
cjfa-16357	285	33	$	$	SYM
cjfa-16357	285	34	10,000	10,000	NUM
cjfa-16357	285	35	flat	flat	ADJ
cjfa-16357	285	36	0,25	0,25	NUM
cjfa-16357	285	37	%	%	NOUN
cjfa-16357	285	38	$	$	SYM
cjfa-16357	285	39	500	500	NUM
cjfa-16357	285	40	personal	personal	ADJ
cjfa-16357	285	41	capital	capital	NOUN
cjfa-16357	285	42	2,835	2,835	NUM
cjfa-16357	285	43	high	high	ADJ
cjfa-16357	285	44	etfs	etfs	NOUN
cjfa-16357	285	45	and	and	CCONJ
cjfa-16357	285	46	for	for	ADP
cjfa-16357	285	47	portfolios	portfolio	NOUN
cjfa-16357	285	48	above	above	ADP
cjfa-16357	285	49	$	$	SYM
cjfa-16357	285	50	100,000	100,000	NUM
cjfa-16357	285	51	individual	individual	ADJ
cjfa-16357	285	52	stocks	stock	NOUN
cjfa-16357	285	53	on	on	ADP
cjfa-16357	285	54	all	all	DET
cjfa-16357	285	55	accounts	account	NOUN
cjfa-16357	285	56	on	on	ADP
cjfa-16357	285	57	all	all	DET
cjfa-16357	285	58	accounts	account	NOUN
cjfa-16357	285	59	0,49	0,49	NOUN
cjfa-16357	285	60	-	-	SYM
cjfa-16357	285	61	0,89	0,89	NUM
cjfa-16357	285	62	%	%	NOUN
cjfa-16357	285	63	$	$	SYM
cjfa-16357	285	64	25,000	25,000	NUM
cjfa-16357	285	65	future	future	ADJ
cjfa-16357	285	66	advisor	advisor	NOUN
cjfa-16357	285	67	969	969	NUM
cjfa-16357	285	68	medium	medium	NOUN
cjfa-16357	285	69	ishares	ishare	NOUN
cjfa-16357	285	70	,	,	PUNCT
cjfa-16357	285	71	vanguard	vanguard	PROPN
cjfa-16357	285	72	and	and	CCONJ
cjfa-16357	285	73	spdr	spdr	PROPN
cjfa-16357	285	74	etfs	etfs	PROPN
cjfa-16357	285	75	4	4	NUM
cjfa-16357	285	76	-	-	SYM
cjfa-16357	285	77	6	6	NUM
cjfa-16357	285	78	times	time	NOUN
cjfa-16357	285	79	annually	annually	ADV
cjfa-16357	285	80	on	on	ADP
cjfa-16357	285	81	all	all	DET
cjfa-16357	285	82	accounts	account	NOUN
cjfa-16357	285	83	0,50	0,50	NOUN
cjfa-16357	285	84	%	%	NOUN
cjfa-16357	285	85	$	$	SYM
cjfa-16357	285	86	10,000	10,000	NUM
cjfa-16357	285	87	rebalance	rebalance	NOUN
cjfa-16357	285	88	ira	ira	PROPN
cjfa-16357	285	89	403	403	NUM
cjfa-16357	285	90	high	high	ADJ
cjfa-16357	285	91	vanguard	vanguard	NOUN
cjfa-16357	285	92	,	,	PUNCT
cjfa-16357	285	93	ishares	ishare	NOUN
cjfa-16357	285	94	and	and	CCONJ
cjfa-16357	285	95	spdr	spdr	PROPN
cjfa-16357	285	96	etfs	etfs	PROPN
cjfa-16357	285	97	automatic	automatic	ADJ
cjfa-16357	285	98	on	on	ADP
cjfa-16357	285	99	all	all	DET
cjfa-16357	285	100	accounts	account	NOUN
cjfa-16357	285	101	0,50	0,50	NOUN
cjfa-16357	285	102	%	%	NOUN
cjfa-16357	285	103	$	$	SYM
cjfa-16357	285	104	100,000	100,000	NUM
cjfa-16357	285	105	acorns	acorn	NOUN
cjfa-16357	285	106	257	257	NUM
cjfa-16357	285	107	low	low	ADJ
cjfa-16357	285	108	vanguard	vanguard	PROPN
cjfa-16357	285	109	and	and	CCONJ
cjfa-16357	285	110	ishares	ishares	PROPN
cjfa-16357	285	111	etfs	etfs	PROPN
cjfa-16357	285	112	automatic	automatic	ADJ
cjfa-16357	285	113	,	,	PUNCT
cjfa-16357	285	114	whenever	whenever	SCONJ
cjfa-16357	285	115	allocations	allocation	NOUN
cjfa-16357	285	116	drift	drift	NOUN
cjfa-16357	285	117	5	5	NUM
cjfa-16357	285	118	%	%	NOUN
cjfa-16357	285	119	from	from	ADP
cjfa-16357	285	120	the	the	DET
cjfa-16357	285	121	target	target	NOUN
cjfa-16357	285	122	no	no	DET
cjfa-16357	285	123	$	$	SYM
cjfa-16357	285	124	1	1	NUM
cjfa-16357	285	125	monthly	monthly	ADV
cjfa-16357	285	126	below	below	ADP
cjfa-16357	285	127	$	$	SYM
cjfa-16357	285	128	5,000	5,000	NUM
cjfa-16357	285	129	above	above	ADP
cjfa-16357	285	130	$	$	SYM
cjfa-16357	285	131	5,000	5,000	NUM
cjfa-16357	285	132	flat	flat	ADJ
cjfa-16357	285	133	0,25	0,25	NUM
cjfa-16357	285	134	%	%	NOUN
cjfa-16357	286	1	no	no	DET
cjfa-16357	286	2	fees	fee	NOUN
cjfa-16357	286	3	for	for	ADP
cjfa-16357	286	4	college	college	NOUN
cjfa-16357	286	5	students	student	NOUN
cjfa-16357	286	6	$	$	SYM
cjfa-16357	286	7	0	0	NUM
cjfa-16357	286	8	etrade	etrade	PROPN
cjfa-16357	286	9	adaptive	adaptive	PROPN
cjfa-16357	286	10	portfolio	portfolio	NOUN
cjfa-16357	286	11	180	180	NUM
cjfa-16357	286	12	low	low	ADJ
cjfa-16357	286	13	vanguard	vanguard	NOUN
cjfa-16357	286	14	,	,	PUNCT
cjfa-16357	286	15	ishares	ishare	NOUN
cjfa-16357	286	16	and	and	CCONJ
cjfa-16357	286	17	spdr	spdr	PROPN
cjfa-16357	286	18	etfs	etfs	PROPN
cjfa-16357	286	19	,	,	PUNCT
cjfa-16357	286	20	active	active	ADJ
cjfa-16357	286	21	mutual	mutual	ADJ
cjfa-16357	286	22	funds	fund	NOUN
cjfa-16357	286	23	automatic	automatic	ADJ
cjfa-16357	286	24	,	,	PUNCT
cjfa-16357	286	25	daily	daily	ADV
cjfa-16357	286	26	no	no	DET
cjfa-16357	286	27	0,30	0,30	NUM
cjfa-16357	286	28	%	%	NOUN
cjfa-16357	286	29	$	$	SYM
cjfa-16357	286	30	10,000	10,000	NUM
cjfa-16357	286	31	sigfig	sigfig	PROPN
cjfa-16357	286	32	114	114	NUM
cjfa-16357	286	33	low	low	ADJ
cjfa-16357	286	34	vanguard	vanguard	NOUN
cjfa-16357	286	35	,	,	PUNCT
cjfa-16357	286	36	ishares	ishare	NOUN
cjfa-16357	286	37	and	and	CCONJ
cjfa-16357	286	38	schwab	schwab	PROPN
cjfa-16357	286	39	etfs	etfs	PROPN
cjfa-16357	286	40	automatic	automatic	ADJ
cjfa-16357	286	41	,	,	PUNCT
cjfa-16357	286	42	daily	daily	ADV
cjfa-16357	286	43	on	on	ADP
cjfa-16357	286	44	all	all	DET
cjfa-16357	286	45	accounts	account	NOUN
cjfa-16357	286	46	no	no	DET
cjfa-16357	286	47	charge	charge	NOUN
cjfa-16357	286	48	below	below	ADP
cjfa-16357	286	49	$	$	SYM
cjfa-16357	286	50	10,000	10,000	NUM
cjfa-16357	286	51	above	above	ADP
cjfa-16357	286	52	$	$	SYM
cjfa-16357	286	53	10,000	10,000	NUM
cjfa-16357	286	54	flat	flat	ADJ
cjfa-16357	286	55	0,25	0,25	NUM
cjfa-16357	286	56	%	%	NOUN
cjfa-16357	286	57	$	$	SYM
cjfa-16357	286	58	2,000	2,000	NUM
cjfa-16357	286	59	s	s	NOUN
cjfa-16357	286	60	o	o	NOUN
cjfa-16357	286	61	u	u	NOUN
cjfa-16357	286	62	r	r	NOUN
cjfa-16357	286	63	c	c	NOUN
cjfa-16357	286	64	e	e	NOUN
cjfa-16357	286	65	:	:	PUNCT
cjfa-16357	286	66	author	author	NOUN
cjfa-16357	286	67	’s	’s	PART
cjfa-16357	286	68	own	own	ADJ
cjfa-16357	286	69	elaboration	elaboration	NOUN
cjfa-16357	286	70	based	base	VERB
cjfa-16357	286	71	on	on	ADP
cjfa-16357	286	72	:	:	PUNCT
cjfa-16357	286	73	data	datum	NOUN
cjfa-16357	286	74	source	source	NOUN
cjfa-16357	286	75	:	:	PUNCT
cjfa-16357	286	76	www.etf.com	www.etf.com	X
cjfa-16357	286	77	(	(	PUNCT
cjfa-16357	286	78	accessed:15.03.2017	accessed:15.03.2017	X
cjfa-16357	286	79	)	)	PUNCT
cjfa-16357	286	80	.	.	PUNCT
cjfa-16357	287	1	kamil	kamil	PROPN
cjfa-16357	287	2	nowak92	nowak92	PROPN
cjfa-16357	287	3	table	table	NOUN
cjfa-16357	287	4	8	8	NUM
cjfa-16357	287	5	.	.	PUNCT
cjfa-16357	288	1	average	average	ADJ
cjfa-16357	288	2	financial	financial	ADJ
cjfa-16357	288	3	advisor	advisor	NOUN
cjfa-16357	288	4	fees	fee	NOUN
cjfa-16357	288	5	investment	investment	NOUN
cjfa-16357	288	6	amounts	amount	VERB
cjfa-16357	288	7	average	average	ADJ
cjfa-16357	288	8	advisor	advisor	NOUN
cjfa-16357	288	9	fees	fee	NOUN
cjfa-16357	288	10	(	(	PUNCT
cjfa-16357	288	11	%	%	NOUN
cjfa-16357	288	12	)	)	PUNCT
cjfa-16357	288	13	$	$	SYM
cjfa-16357	288	14	50,000	50,000	NUM
cjfa-16357	288	15	1.18	1.18	NUM
cjfa-16357	288	16	%	%	NOUN
cjfa-16357	288	17	$	$	SYM
cjfa-16357	288	18	100,000	100,000	NUM
cjfa-16357	288	19	1.12	1.12	NUM
cjfa-16357	288	20	%	%	NOUN
cjfa-16357	288	21	$	$	SYM
cjfa-16357	288	22	150,000	150,000	NUM
cjfa-16357	288	23	1.09	1.09	NUM
cjfa-16357	288	24	%	%	NOUN
cjfa-16357	288	25	$	$	SYM
cjfa-16357	288	26	250,000	250,000	NUM
cjfa-16357	288	27	1.07	1.07	NUM
cjfa-16357	288	28	%	%	NOUN
cjfa-16357	288	29	$	$	SYM
cjfa-16357	288	30	500,000	500,000	NUM
cjfa-16357	288	31	1.05	1.05	NUM
cjfa-16357	288	32	%	%	NOUN
cjfa-16357	289	1	$	$	SYM
cjfa-16357	289	2	1,000,000	1,000,000	NUM
cjfa-16357	289	3	1.02	1.02	NUM
cjfa-16357	289	4	%	%	NOUN
cjfa-16357	289	5	$	$	SYM
cjfa-16357	289	6	1,500,000	1,500,000	NUM
cjfa-16357	289	7	0.94	0.94	NUM
cjfa-16357	289	8	%	%	NOUN
cjfa-16357	289	9	$	$	SYM
cjfa-16357	289	10	2,000,000	2,000,000	NUM
cjfa-16357	289	11	0.91	0.91	NUM
cjfa-16357	289	12	%	%	NOUN
cjfa-16357	289	13	$	$	SYM
cjfa-16357	289	14	2,500,000	2,500,000	NUM
cjfa-16357	289	15	0.88	0.88	NUM
cjfa-16357	289	16	%	%	NOUN
cjfa-16357	289	17	$	$	SYM
cjfa-16357	289	18	5,000,000	5,000,000	NUM
cjfa-16357	289	19	0.84	0.84	NUM
cjfa-16357	289	20	%	%	NOUN
cjfa-16357	289	21	$	$	SYM
cjfa-16357	289	22	7,500,000	7,500,000	NUM
cjfa-16357	289	23	0.77	0.77	NUM
cjfa-16357	289	24	%	%	NOUN
cjfa-16357	289	25	$	$	SYM
cjfa-16357	289	26	10,000,000	10,000,000	NUM
cjfa-16357	289	27	0.69	0.69	NUM
cjfa-16357	289	28	%	%	NOUN
cjfa-16357	289	29	$	$	SYM
cjfa-16357	289	30	20,000,000	20,000,000	NUM
cjfa-16357	289	31	0.65	0.65	NUM
cjfa-16357	289	32	%	%	NOUN
cjfa-16357	289	33	$	$	SYM
cjfa-16357	289	34	30,000,000	30,000,000	NUM
cjfa-16357	289	35	0.59	0.59	NUM
cjfa-16357	289	36	%	%	NOUN
cjfa-16357	289	37	s	s	PART
cjfa-16357	289	38	o	o	NOUN
cjfa-16357	289	39	u	u	NOUN
cjfa-16357	289	40	r	r	NOUN
cjfa-16357	289	41	c	c	NOUN
cjfa-16357	289	42	e	e	NOUN
cjfa-16357	289	43	:	:	PUNCT
cjfa-16357	289	44	average	average	ADJ
cjfa-16357	289	45	financial	financial	ADJ
cjfa-16357	289	46	advisor	advisor	NOUN
cjfa-16357	289	47	fees	fee	NOUN
cjfa-16357	289	48	&	&	CCONJ
cjfa-16357	289	49	costs	cost	VERB
cjfa-16357	289	50	2017	2017	NUM
cjfa-16357	289	51	report	report	NOUN
cjfa-16357	289	52	,	,	PUNCT
cjfa-16357	289	53	www.advisoryhq.com	www.advisoryhq.com	PROPN
cjfa-16357	289	54	(	(	PUNCT
cjfa-16357	289	55	accessed	access	VERB
cjfa-16357	289	56	:	:	PUNCT
cjfa-16357	289	57	15.03.2017	15.03.2017	NUM
cjfa-16357	289	58	)	)	PUNCT
cjfa-16357	289	59	.	.	PUNCT
cjfa-16357	290	1	the	the	DET
cjfa-16357	290	2	outcome	outcome	NOUN
cjfa-16357	290	3	of	of	ADP
cjfa-16357	290	4	the	the	DET
cjfa-16357	290	5	research	research	NOUN
cjfa-16357	290	6	process	process	NOUN
cjfa-16357	290	7	and	and	CCONJ
cjfa-16357	290	8	conclusions	conclusion	NOUN
cjfa-16357	290	9	considering	consider	VERB
cjfa-16357	290	10	american	american	PROPN
cjfa-16357	290	11	retirement	retirement	NOUN
cjfa-16357	290	12	system	system	NOUN
cjfa-16357	290	13	challenges	challenge	NOUN
cjfa-16357	290	14	:	:	PUNCT
cjfa-16357	290	15	low	low	ADJ
cjfa-16357	290	16	savings	saving	NOUN
cjfa-16357	290	17	rates	rate	NOUN
cjfa-16357	290	18	,	,	PUNCT
cjfa-16357	290	19	shifting	shift	VERB
cjfa-16357	290	20	contribution	contribution	NOUN
cjfa-16357	290	21	responsibility	responsibility	NOUN
cjfa-16357	290	22	from	from	ADP
cjfa-16357	290	23	employer	employer	NOUN
cjfa-16357	290	24	to	to	ADP
cjfa-16357	290	25	employee	employee	NOUN
cjfa-16357	290	26	,	,	PUNCT
cjfa-16357	290	27	low	low	ADJ
cjfa-16357	290	28	ira	ira	PROPN
cjfa-16357	290	29	return	return	NOUN
cjfa-16357	290	30	rates	rate	NOUN
cjfa-16357	290	31	,	,	PUNCT
cjfa-16357	290	32	new	new	ADJ
cjfa-16357	290	33	solutions	solution	NOUN
cjfa-16357	290	34	are	be	AUX
cjfa-16357	290	35	more	more	ADJ
cjfa-16357	290	36	than	than	SCONJ
cjfa-16357	290	37	desired	desire	VERB
cjfa-16357	290	38	.	.	PUNCT
cjfa-16357	291	1	what	what	PRON
cjfa-16357	291	2	is	be	AUX
cjfa-16357	291	3	more	more	ADJ
cjfa-16357	291	4	,	,	PUNCT
cjfa-16357	291	5	high	high	ADJ
cjfa-16357	291	6	management	management	NOUN
cjfa-16357	291	7	and	and	CCONJ
cjfa-16357	291	8	fund	fund	NOUN
cjfa-16357	291	9	fees	fee	NOUN
cjfa-16357	291	10	are	be	AUX
cjfa-16357	291	11	banes	bane	NOUN
cjfa-16357	291	12	for	for	ADP
cjfa-16357	291	13	investors	investor	NOUN
cjfa-16357	291	14	.	.	PUNCT
cjfa-16357	292	1	if	if	SCONJ
cjfa-16357	292	2	changing	change	VERB
cjfa-16357	292	3	retirement	retirement	NOUN
cjfa-16357	292	4	policies	policy	NOUN
cjfa-16357	292	5	and	and	CCONJ
cjfa-16357	292	6	regulations	regulation	NOUN
cjfa-16357	292	7	might	might	AUX
cjfa-16357	292	8	not	not	PART
cjfa-16357	292	9	be	be	AUX
cjfa-16357	292	10	an	an	DET
cjfa-16357	292	11	option	option	NOUN
cjfa-16357	292	12	,	,	PUNCT
cjfa-16357	292	13	the	the	DET
cjfa-16357	292	14	cure	cure	NOUN
cjfa-16357	292	15	for	for	ADP
cjfa-16357	292	16	the	the	DET
cjfa-16357	292	17	system	system	NOUN
cjfa-16357	292	18	should	should	AUX
cjfa-16357	292	19	be	be	AUX
cjfa-16357	292	20	find	find	VERB
cjfa-16357	292	21	in	in	ADP
cjfa-16357	292	22	low	low	ADJ
cjfa-16357	292	23	cost	cost	NOUN
cjfa-16357	292	24	retirement	retirement	NOUN
cjfa-16357	292	25	solutions	solution	NOUN
cjfa-16357	292	26	.	.	PUNCT
cjfa-16357	293	1	this	this	DET
cjfa-16357	293	2	paper	paper	NOUN
cjfa-16357	293	3	proofs	proof	NOUN
cjfa-16357	293	4	that	that	SCONJ
cjfa-16357	293	5	replacing	replace	VERB
cjfa-16357	293	6	traditional	traditional	ADJ
cjfa-16357	293	7	mutual	mutual	ADJ
cjfa-16357	293	8	funds	fund	NOUN
cjfa-16357	293	9	with	with	ADP
cjfa-16357	293	10	etfs	etfs	PROPN
cjfa-16357	293	11	can	can	AUX
cjfa-16357	293	12	bring	bring	VERB
cjfa-16357	293	13	significant	significant	ADJ
cjfa-16357	293	14	savings	saving	NOUN
cjfa-16357	293	15	in	in	ADP
cjfa-16357	293	16	fees	fee	NOUN
cjfa-16357	293	17	,	,	PUNCT
cjfa-16357	293	18	without	without	ADP
cjfa-16357	293	19	impacting	impact	VERB
cjfa-16357	293	20	the	the	DET
cjfa-16357	293	21	performance	performance	NOUN
cjfa-16357	293	22	.	.	PUNCT
cjfa-16357	294	1	choosing	choose	VERB
cjfa-16357	294	2	equity	equity	PROPN
cjfa-16357	294	3	s&p500	s&p500	PROPN
cjfa-16357	294	4	etfs	etfs	PROPN
cjfa-16357	294	5	over	over	ADP
cjfa-16357	294	6	mutual	mutual	ADJ
cjfa-16357	294	7	funds	fund	NOUN
cjfa-16357	294	8	saves	save	VERB
cjfa-16357	294	9	0.45	0.45	NUM
cjfa-16357	294	10	%	%	NOUN
cjfa-16357	294	11	in	in	ADP
cjfa-16357	294	12	fees	fee	NOUN
cjfa-16357	294	13	annually	annually	ADV
cjfa-16357	294	14	.	.	PUNCT
cjfa-16357	295	1	what	what	PRON
cjfa-16357	295	2	is	be	AUX
cjfa-16357	295	3	more	more	ADJ
cjfa-16357	295	4	,	,	PUNCT
cjfa-16357	295	5	if	if	SCONJ
cjfa-16357	295	6	traditional	traditional	ADJ
cjfa-16357	295	7	fa	fa	PROPN
cjfa-16357	295	8	will	will	AUX
cjfa-16357	295	9	be	be	AUX
cjfa-16357	295	10	replaced	replace	VERB
cjfa-16357	295	11	by	by	ADP
cjfa-16357	295	12	robo	robo	NOUN
cjfa-16357	295	13	advisor	advisor	NOUN
cjfa-16357	295	14	,	,	PUNCT
cjfa-16357	295	15	additional	additional	ADJ
cjfa-16357	295	16	savings	saving	NOUN
cjfa-16357	295	17	can	can	AUX
cjfa-16357	295	18	be	be	AUX
cjfa-16357	295	19	made	make	VERB
cjfa-16357	295	20	.	.	PUNCT
cjfa-16357	296	1	taking	take	VERB
cjfa-16357	296	2	in	in	ADP
cjfa-16357	296	3	consideration	consideration	NOUN
cjfa-16357	296	4	$	$	SYM
cjfa-16357	296	5	100,000	100,000	NUM
cjfa-16357	296	6	portfolio	portfolio	NOUN
cjfa-16357	296	7	,	,	PUNCT
cjfa-16357	296	8	shift	shift	VERB
cjfa-16357	296	9	to	to	ADP
cjfa-16357	296	10	digital	digital	ADJ
cjfa-16357	296	11	advice	advice	NOUN
cjfa-16357	296	12	saves	save	VERB
cjfa-16357	296	13	0.87	0.87	NUM
cjfa-16357	296	14	%	%	NOUN
cjfa-16357	296	15	in	in	ADP
cjfa-16357	296	16	fees	fee	NOUN
cjfa-16357	296	17	.	.	PUNCT
cjfa-16357	297	1	combining	combine	VERB
cjfa-16357	297	2	robo	robo	NOUN
cjfa-16357	297	3	advisors	advisor	NOUN
cjfa-16357	297	4	savings	saving	NOUN
cjfa-16357	297	5	with	with	ADP
cjfa-16357	297	6	those	those	PRON
cjfa-16357	297	7	brought	bring	VERB
cjfa-16357	297	8	by	by	ADP
cjfa-16357	297	9	etfs	etfs	PROPN
cjfa-16357	297	10	,	,	PUNCT
cjfa-16357	297	11	potentially	potentially	ADV
cjfa-16357	297	12	1.32	1.32	NUM
cjfa-16357	297	13	%	%	NOUN
cjfa-16357	297	14	annually	annually	ADV
cjfa-16357	297	15	can	can	AUX
cjfa-16357	297	16	be	be	AUX
cjfa-16357	297	17	saved	save	VERB
cjfa-16357	297	18	,	,	PUNCT
cjfa-16357	297	19	what	what	PRON
cjfa-16357	297	20	brings	bring	VERB
cjfa-16357	297	21	$	$	SYM
cjfa-16357	297	22	1,320	1,320	NUM
cjfa-16357	297	23	,	,	PUNCT
cjfa-16357	297	24	that	that	PRON
cjfa-16357	297	25	can	can	AUX
cjfa-16357	297	26	remain	remain	VERB
cjfa-16357	297	27	on	on	ADP
cjfa-16357	297	28	the	the	DET
cjfa-16357	297	29	account	account	NOUN
cjfa-16357	297	30	.	.	PUNCT
cjfa-16357	298	1	considering	consider	VERB
cjfa-16357	298	2	usually	usually	ADV
cjfa-16357	298	3	more	more	ADJ
cjfa-16357	298	4	than	than	ADP
cjfa-16357	298	5	low	low	ADJ
cjfa-16357	298	6	cost	cost	NOUN
cjfa-16357	298	7	retirement	retirement	NOUN
cjfa-16357	298	8	solutions	solution	NOUN
cjfa-16357	298	9	based	base	VERB
cjfa-16357	298	10	on	on	ADP
cjfa-16357	298	11	robo	robo	NOUN
cjfa-16357	298	12	-	-	PUNCT
cjfa-16357	298	13	advisors	advisor	NOUN
cjfa-16357	298	14	…	…	PUNCT
cjfa-16357	298	15	93	93	NUM
cjfa-16357	298	16	30	30	NUM
cjfa-16357	298	17	years	year	NOUN
cjfa-16357	298	18	investment	investment	NOUN
cjfa-16357	298	19	horizon	horizon	NOUN
cjfa-16357	298	20	and	and	CCONJ
cjfa-16357	298	21	instant	instant	ADJ
cjfa-16357	298	22	growth	growth	NOUN
cjfa-16357	298	23	of	of	ADP
cjfa-16357	298	24	the	the	DET
cjfa-16357	298	25	portfolio	portfolio	NOUN
cjfa-16357	298	26	,	,	PUNCT
cjfa-16357	298	27	savings	saving	NOUN
cjfa-16357	298	28	can	can	AUX
cjfa-16357	298	29	be	be	AUX
cjfa-16357	298	30	tremendous	tremendous	ADJ
cjfa-16357	298	31	.	.	PUNCT
cjfa-16357	299	1	etfs	etfs	PROPN
cjfa-16357	299	2	are	be	AUX
cjfa-16357	299	3	on	on	ADP
cjfa-16357	299	4	the	the	DET
cjfa-16357	299	5	market	market	NOUN
cjfa-16357	299	6	for	for	ADP
cjfa-16357	299	7	more	more	ADJ
cjfa-16357	299	8	than	than	ADP
cjfa-16357	299	9	20	20	NUM
cjfa-16357	299	10	years	year	NOUN
cjfa-16357	299	11	right	right	ADV
cjfa-16357	299	12	now	now	ADV
cjfa-16357	299	13	.	.	PUNCT
cjfa-16357	300	1	further	far	ADV
cjfa-16357	300	2	steady	steady	ADJ
cjfa-16357	300	3	growth	growth	NOUN
cjfa-16357	300	4	of	of	ADP
cjfa-16357	300	5	this	this	DET
cjfa-16357	300	6	segment	segment	NOUN
cjfa-16357	300	7	probably	probably	ADV
cjfa-16357	300	8	will	will	AUX
cjfa-16357	300	9	result	result	VERB
cjfa-16357	300	10	in	in	ADP
cjfa-16357	300	11	displacing	displace	VERB
cjfa-16357	300	12	mutual	mutual	ADJ
cjfa-16357	300	13	funds	fund	NOUN
cjfa-16357	300	14	.	.	PUNCT
cjfa-16357	301	1	the	the	DET
cjfa-16357	301	2	future	future	NOUN
cjfa-16357	301	3	of	of	ADP
cjfa-16357	301	4	robo	robo	NOUN
cjfa-16357	301	5	advisors	advisor	NOUN
cjfa-16357	301	6	looks	look	VERB
cjfa-16357	301	7	bright	bright	ADJ
cjfa-16357	301	8	as	as	ADV
cjfa-16357	301	9	well	well	ADV
cjfa-16357	301	10	.	.	PUNCT
cjfa-16357	302	1	digital	digital	ADJ
cjfa-16357	302	2	advice	advice	NOUN
cjfa-16357	302	3	will	will	AUX
cjfa-16357	302	4	become	become	VERB
cjfa-16357	302	5	a	a	DET
cjfa-16357	302	6	new	new	ADJ
cjfa-16357	302	7	standard	standard	NOUN
cjfa-16357	302	8	for	for	ADP
cjfa-16357	302	9	mass	mass	ADJ
cjfa-16357	302	10	affluent	affluent	ADJ
cjfa-16357	302	11	customers	customer	NOUN
cjfa-16357	302	12	.	.	PUNCT
cjfa-16357	303	1	not	not	PART
cjfa-16357	303	2	only	only	ADV
cjfa-16357	303	3	american	american	ADJ
cjfa-16357	303	4	retirement	retirement	NOUN
cjfa-16357	303	5	system	system	NOUN
cjfa-16357	303	6	needs	need	VERB
cjfa-16357	303	7	new	new	ADJ
cjfa-16357	303	8	solutions	solution	NOUN
cjfa-16357	303	9	.	.	PUNCT
cjfa-16357	304	1	polish	polish	ADJ
cjfa-16357	304	2	retirement	retirement	NOUN
cjfa-16357	304	3	system	system	NOUN
cjfa-16357	304	4	has	have	AUX
cjfa-16357	304	5	own	own	ADJ
cjfa-16357	304	6	challenges	challenge	NOUN
cjfa-16357	304	7	as	as	ADV
cjfa-16357	304	8	well	well	ADV
cjfa-16357	304	9	.	.	PUNCT
cjfa-16357	305	1	poles	pole	NOUN
cjfa-16357	305	2	social	social	ADJ
cjfa-16357	305	3	awareness	awareness	NOUN
cjfa-16357	305	4	of	of	ADP
cjfa-16357	305	5	retirement	retirement	NOUN
cjfa-16357	305	6	issues	issue	NOUN
cjfa-16357	305	7	and	and	CCONJ
cjfa-16357	305	8	trust	trust	NOUN
cjfa-16357	305	9	to	to	ADP
cjfa-16357	305	10	government	government	NOUN
cjfa-16357	305	11	institutions	institution	NOUN
cjfa-16357	305	12	is	be	AUX
cjfa-16357	305	13	very	very	ADV
cjfa-16357	305	14	low	low	ADJ
cjfa-16357	305	15	.	.	PUNCT
cjfa-16357	306	1	one	one	NUM
cjfa-16357	306	2	of	of	ADP
cjfa-16357	306	3	the	the	DET
cjfa-16357	306	4	youngest	young	ADJ
cjfa-16357	306	5	in	in	ADP
cjfa-16357	306	6	europe	europe	PROPN
cjfa-16357	306	7	retirement	retirement	NOUN
cjfa-16357	306	8	age	age	NOUN
cjfa-16357	306	9	connected	connect	VERB
cjfa-16357	306	10	with	with	ADP
cjfa-16357	306	11	demographical	demographical	ADJ
cjfa-16357	306	12	challenges	challenge	NOUN
cjfa-16357	306	13	and	and	CCONJ
cjfa-16357	306	14	lately	lately	ADV
cjfa-16357	306	15	disassembly	disassembly	ADV
cjfa-16357	306	16	of	of	ADP
cjfa-16357	306	17	ofe	ofe	INTJ
cjfa-16357	306	18	brought	bring	VERB
cjfa-16357	306	19	a	a	DET
cjfa-16357	306	20	gap	gap	NOUN
cjfa-16357	306	21	in	in	ADP
cjfa-16357	306	22	polish	polish	ADJ
cjfa-16357	306	23	retirement	retirement	NOUN
cjfa-16357	306	24	system	system	NOUN
cjfa-16357	306	25	which	which	PRON
cjfa-16357	306	26	has	have	AUX
cjfa-16357	306	27	n’t	not	PART
cjfa-16357	306	28	been	be	AUX
cjfa-16357	306	29	filled	fill	VERB
cjfa-16357	306	30	yet	yet	ADV
cjfa-16357	306	31	.	.	PUNCT
cjfa-16357	307	1	return	return	VERB
cjfa-16357	307	2	rates	rate	NOUN
cjfa-16357	307	3	of	of	ADP
cjfa-16357	307	4	retirement	retirement	NOUN
cjfa-16357	307	5	solutions	solution	NOUN
cjfa-16357	307	6	offered	offer	VERB
cjfa-16357	307	7	by	by	ADP
cjfa-16357	307	8	mutual	mutual	ADJ
cjfa-16357	307	9	funds	fund	NOUN
cjfa-16357	307	10	are	be	AUX
cjfa-16357	307	11	mostly	mostly	ADV
cjfa-16357	307	12	eaten	eat	VERB
cjfa-16357	307	13	up	up	ADP
cjfa-16357	307	14	by	by	ADP
cjfa-16357	307	15	fees	fee	NOUN
cjfa-16357	307	16	.	.	PUNCT
cjfa-16357	308	1	what	what	PRON
cjfa-16357	308	2	is	be	AUX
cjfa-16357	308	3	more	more	ADJ
cjfa-16357	308	4	,	,	PUNCT
cjfa-16357	308	5	currently	currently	ADV
cjfa-16357	308	6	on	on	ADP
cjfa-16357	308	7	gpw	gpw	NOUN
cjfa-16357	308	8	only	only	ADV
cjfa-16357	308	9	3	3	NUM
cjfa-16357	308	10	etfs	etfs	NOUN
cjfa-16357	308	11	are	be	AUX
cjfa-16357	308	12	listed	list	VERB
cjfa-16357	308	13	and	and	CCONJ
cjfa-16357	308	14	no	no	DET
cjfa-16357	308	15	digital	digital	ADJ
cjfa-16357	308	16	advisory	advisory	ADJ
cjfa-16357	308	17	platform	platform	NOUN
cjfa-16357	308	18	is	be	AUX
cjfa-16357	308	19	available	available	ADJ
cjfa-16357	308	20	in	in	ADP
cjfa-16357	308	21	poland	poland	PROPN
cjfa-16357	308	22	.	.	PUNCT
cjfa-16357	309	1	considering	consider	VERB
cjfa-16357	309	2	above	above	ADP
cjfa-16357	309	3	arguments	argument	NOUN
cjfa-16357	309	4	,	,	PUNCT
cjfa-16357	309	5	there	there	PRON
cjfa-16357	309	6	is	be	VERB
cjfa-16357	309	7	definitely	definitely	ADV
cjfa-16357	309	8	a	a	DET
cjfa-16357	309	9	niche	niche	NOUN
cjfa-16357	309	10	for	for	ADP
cjfa-16357	309	11	innovative	innovative	ADJ
cjfa-16357	309	12	low	low	ADJ
cjfa-16357	309	13	cost	cost	NOUN
cjfa-16357	309	14	retirement	retirement	NOUN
cjfa-16357	309	15	solutions	solution	NOUN
cjfa-16357	309	16	and	and	CCONJ
cjfa-16357	309	17	further	further	ADJ
cjfa-16357	309	18	research	research	NOUN
cjfa-16357	309	19	on	on	ADP
cjfa-16357	309	20	that	that	DET
cjfa-16357	309	21	topic	topic	NOUN
cjfa-16357	309	22	.	.	PUNCT
cjfa-16357	309	23	 	 	SPACE
cjfa-16357	310	1	references	reference	NOUN
cjfa-16357	310	2	aubry	aubry	PROPN
cjfa-16357	310	3	,	,	PUNCT
cjfa-16357	310	4	j.	j.	PROPN
cjfa-16357	310	5	,	,	PUNCT
cjfa-16357	310	6	crawford	crawford	PROPN
cjfa-16357	310	7	,	,	PUNCT
cjfa-16357	310	8	c.	c.	PROPN
cjfa-16357	310	9	,	,	PUNCT
cjfa-16357	310	10	&	&	CCONJ
cjfa-16357	310	11	munnell	munnell	PROPN
cjfa-16357	310	12	,	,	PUNCT
cjfa-16357	310	13	a.	a.	NOUN
cjfa-16357	310	14	(	(	PUNCT
cjfa-16357	310	15	2015	2015	NUM
cjfa-16357	310	16	)	)	PUNCT
cjfa-16357	310	17	.	.	PUNCT
cjfa-16357	311	1	investment	investment	NOUN
cjfa-16357	311	2	returns	return	NOUN
cjfa-16357	311	3	:	:	PUNCT
cjfa-16357	311	4	defined	define	VERB
cjfa-16357	311	5	benefit	benefit	NOUN
cjfa-16357	311	6	vs.	vs.	ADP
cjfa-16357	311	7	defined	define	VERB
cjfa-16357	311	8	contribution	contribution	NOUN
cjfa-16357	311	9	plans	plan	NOUN
cjfa-16357	311	10	,	,	PUNCT
cjfa-16357	311	11	center	center	NOUN
cjfa-16357	311	12	for	for	ADP
cjfa-16357	311	13	retirement	retirement	NOUN
cjfa-16357	311	14	research	research	PROPN
cjfa-16357	311	15	boston	boston	PROPN
cjfa-16357	311	16	college	college	PROPN
cjfa-16357	311	17	.	.	PUNCT
cjfa-16357	312	1	average	average	ADJ
cjfa-16357	312	2	financial	financial	ADJ
cjfa-16357	312	3	advisor	advisor	NOUN
cjfa-16357	312	4	fees	fee	NOUN
cjfa-16357	312	5	&	&	CCONJ
cjfa-16357	312	6	costs	cost	VERB
cjfa-16357	312	7	2017	2017	NUM
cjfa-16357	312	8	report	report	NOUN
cjfa-16357	312	9	,	,	PUNCT
cjfa-16357	312	10	http://www.advisoryhq.com	http://www.advisoryhq.com	X
cjfa-16357	312	11	(	(	PUNCT
cjfa-16357	312	12	accessed	access	VERB
cjfa-16357	312	13	:	:	PUNCT
cjfa-16357	312	14	15.03.2017	15.03.2017	NUM
cjfa-16357	312	15	)	)	PUNCT
cjfa-16357	312	16	.	.	PUNCT
cjfa-16357	313	1	bernstein	bernstein	PROPN
cjfa-16357	313	2	,	,	PUNCT
cjfa-16357	313	3	j.	j.	PROPN
cjfa-16357	313	4	,	,	PUNCT
cjfa-16357	313	5	&	&	CCONJ
cjfa-16357	313	6	phyllis	phyllis	PROPN
cjfa-16357	313	7	,	,	PUNCT
cjfa-16357	313	8	a.	a.	NOUN
cjfa-16357	313	9	(	(	PUNCT
cjfa-16357	313	10	2002	2002	NUM
cjfa-16357	313	11	)	)	PUNCT
cjfa-16357	313	12	.	.	PUNCT
cjfa-16357	314	1	primer	primer	NOUN
cjfa-16357	314	2	on	on	ADP
cjfa-16357	314	3	exchange	exchange	NOUN
cjfa-16357	314	4	-	-	PUNCT
cjfa-16357	314	5	traded	trade	VERB
cjfa-16357	314	6	funds	fund	NOUN
cjfa-16357	314	7	,	,	PUNCT
cjfa-16357	314	8	journal	journal	NOUN
cjfa-16357	314	9	of	of	ADP
cjfa-16357	314	10	accountancy	accountancy	NOUN
cjfa-16357	314	11	,	,	PUNCT
cjfa-16357	314	12	vol	vol	NOUN
cjfa-16357	314	13	.	.	PROPN
cjfa-16357	314	14	193	193	NUM
cjfa-16357	314	15	,	,	PUNCT
cjfa-16357	314	16	38–41	38–41	NUM
cjfa-16357	314	17	.	.	PUNCT
cjfa-16357	315	1	brinson	brinson	PROPN
cjfa-16357	315	2	,	,	PUNCT
cjfa-16357	315	3	g.	g.	PROPN
cjfa-16357	315	4	,	,	PUNCT
cjfa-16357	315	5	&	&	CCONJ
cjfa-16357	315	6	siegel	siegel	PROPN
cjfa-16357	315	7	,	,	PUNCT
cjfa-16357	315	8	l.	l.	PROPN
cjfa-16357	315	9	(	(	PUNCT
cjfa-16357	315	10	2015	2015	NUM
cjfa-16357	315	11	)	)	PUNCT
cjfa-16357	315	12	.	.	PUNCT
cjfa-16357	316	1	after	after	ADP
cjfa-16357	316	2	70	70	NUM
cjfa-16357	316	3	years	year	NOUN
cjfa-16357	316	4	of	of	ADP
cjfa-16357	316	5	fruitful	fruitful	ADJ
cjfa-16357	316	6	research	research	NOUN
cjfa-16357	316	7	,	,	PUNCT
cjfa-16357	316	8	why	why	SCONJ
cjfa-16357	316	9	is	be	AUX
cjfa-16357	316	10	there	there	PRON
cjfa-16357	316	11	still	still	ADV
cjfa-16357	316	12	a	a	DET
cjfa-16357	316	13	retirement	retirement	NOUN
cjfa-16357	316	14	crisis	crisis	NOUN
cjfa-16357	316	15	?	?	PUNCT
cjfa-16357	317	1	cfa	cfa	PROPN
cjfa-16357	317	2	institute	institute	PROPN
cjfa-16357	317	3	.	.	PUNCT
cjfa-16357	318	1	dapp	dapp	PROPN
cjfa-16357	318	2	,	,	PUNCT
cjfa-16357	318	3	f.	f.	PROPN
cjfa-16357	318	4	(	(	PUNCT
cjfa-16357	318	5	2016	2016	NUM
cjfa-16357	318	6	)	)	PUNCT
cjfa-16357	318	7	.	.	PUNCT
cjfa-16357	319	1	fintech	fintech	NOUN
cjfa-16357	319	2	–	–	PUNCT
cjfa-16357	319	3	traditionelle	traditionelle	PROPN
cjfa-16357	319	4	banken	banken	PROPN
cjfa-16357	319	5	als	als	PROPN
cjfa-16357	319	6	digitale	digitale	PROPN
cjfa-16357	319	7	plattformen	plattforman	NOUN
cjfa-16357	319	8	und	und	VERB
cjfa-16357	319	9	teil	teil	PROPN
cjfa-16357	319	10	eines	eine	VERB
cjfa-16357	319	11	finanz	finanz	NOUN
cjfa-16357	319	12	-	-	PUNCT
cjfa-16357	319	13	ökosystems	ökosystem	NOUN
cjfa-16357	319	14	,	,	PUNCT
cjfa-16357	319	15	springer	springer	NOUN
cjfa-16357	319	16	.	.	PUNCT
cjfa-16357	320	1	dellva	dellva	PROPN
cjfa-16357	320	2	,	,	PUNCT
cjfa-16357	320	3	w.	w.	PROPN
cjfa-16357	320	4	(	(	PUNCT
cjfa-16357	320	5	2001	2001	NUM
cjfa-16357	320	6	)	)	PUNCT
cjfa-16357	320	7	.	.	PUNCT
cjfa-16357	321	1	exchange	exchange	NOUN
cjfa-16357	321	2	-	-	PUNCT
cjfa-16357	321	3	traded	trade	VERB
cjfa-16357	321	4	funds	fund	NOUN
cjfa-16357	321	5	not	not	PART
cjfa-16357	321	6	for	for	ADP
cjfa-16357	321	7	everyone	everyone	PRON
cjfa-16357	321	8	,	,	PUNCT
cjfa-16357	321	9	journal	journal	NOUN
cjfa-16357	321	10	of	of	ADP
cjfa-16357	321	11	financial	financial	ADJ
cjfa-16357	321	12	planning	planning	NOUN
cjfa-16357	321	13	,	,	PUNCT
cjfa-16357	321	14	vol	vol	NOUN
cjfa-16357	321	15	.	.	PROPN
cjfa-16357	321	16	14	14	NUM
cjfa-16357	321	17	,	,	PUNCT
cjfa-16357	321	18	110–124	110–124	NUM
cjfa-16357	321	19	.	.	PUNCT
cjfa-16357	322	1	erickson	erickson	PROPN
cjfa-16357	322	2	,	,	PUNCT
cjfa-16357	322	3	j.	j.	PROPN
cjfa-16357	322	4	,	,	PUNCT
cjfa-16357	322	5	&	&	CCONJ
cjfa-16357	322	6	madland	madland	PROPN
cjfa-16357	322	7	,	,	PUNCT
cjfa-16357	322	8	d.	d.	PROPN
cjfa-16357	322	9	(	(	PUNCT
cjfa-16357	322	10	2014	2014	NUM
cjfa-16357	322	11	)	)	PUNCT
cjfa-16357	322	12	.	.	PUNCT
cjfa-16357	323	1	fixing	fix	VERB
cjfa-16357	323	2	the	the	DET
cjfa-16357	323	3	drain	drain	NOUN
cjfa-16357	323	4	on	on	ADP
cjfa-16357	323	5	retirement	retirement	NOUN
cjfa-16357	323	6	savings	saving	NOUN
cjfa-16357	323	7	,	,	PUNCT
cjfa-16357	323	8	center	center	NOUN
cjfa-16357	323	9	of	of	ADP
cjfa-16357	323	10	american	american	ADJ
cjfa-16357	323	11	progress	progress	NOUN
cjfa-16357	323	12	.	.	PUNCT
cjfa-16357	324	1	france	france	PROPN
cjfa-16357	324	2	-	-	PUNCT
cjfa-16357	324	3	massey	massey	PROPN
cjfa-16357	324	4	,	,	PUNCT
cjfa-16357	324	5	t.	t.	PROPN
cjfa-16357	324	6	(	(	PUNCT
cjfa-16357	324	7	2016	2016	NUM
cjfa-16357	324	8	)	)	PUNCT
cjfa-16357	324	9	.	.	PUNCT
cjfa-16357	325	1	the	the	DET
cjfa-16357	325	2	impact	impact	NOUN
cjfa-16357	325	3	of	of	ADP
cjfa-16357	325	4	robo	robo	ADJ
cjfa-16357	325	5	advisors	advisor	NOUN
cjfa-16357	325	6	on	on	ADP
cjfa-16357	325	7	institutional	institutional	ADJ
cjfa-16357	325	8	investment	investment	NOUN
cjfa-16357	325	9	banking	banking	NOUN
cjfa-16357	325	10	,	,	PUNCT
cjfa-16357	325	11	thinking	think	VERB
cjfa-16357	325	12	ahead	ahead	ADV
cjfa-16357	325	13	,	,	PUNCT
cjfa-16357	325	14	27–31	27–31	PROPN
cjfa-16357	325	15	.	.	PUNCT
cjfa-16357	325	16	gastineau	gastineau	PROPN
cjfa-16357	325	17	,	,	PUNCT
cjfa-16357	325	18	l.	l.	PROPN
cjfa-16357	325	19	gary	gary	PROPN
cjfa-16357	325	20	(	(	PUNCT
cjfa-16357	325	21	2001	2001	NUM
cjfa-16357	325	22	)	)	PUNCT
cjfa-16357	325	23	.	.	PUNCT
cjfa-16357	326	1	exchange	exchange	NOUN
cjfa-16357	326	2	-	-	PUNCT
cjfa-16357	326	3	traded	trade	VERB
cjfa-16357	326	4	funds	fund	NOUN
cjfa-16357	326	5	:	:	PUNCT
cjfa-16357	326	6	an	an	DET
cjfa-16357	326	7	introduction	introduction	NOUN
cjfa-16357	326	8	,	,	PUNCT
cjfa-16357	326	9	journal	journal	NOUN
cjfa-16357	326	10	of	of	ADP
cjfa-16357	326	11	portfolio	portfolio	NOUN
cjfa-16357	326	12	management	management	PROPN
cjfa-16357	326	13	,	,	PUNCT
cjfa-16357	326	14	vol	vol	NOUN
cjfa-16357	326	15	.	.	PROPN
cjfa-16357	326	16	27	27	NUM
cjfa-16357	326	17	.	.	PUNCT
cjfa-16357	327	1	hill	hill	PROPN
cjfa-16357	327	2	,	,	PUNCT
cjfa-16357	327	3	j.	j.	PROPN
cjfa-16357	327	4	,	,	PUNCT
cjfa-16357	327	5	nadig	nadig	PROPN
cjfa-16357	327	6	,	,	PUNCT
cjfa-16357	327	7	d.	d.	PROPN
cjfa-16357	327	8	,	,	PUNCT
cjfa-16357	327	9	&	&	CCONJ
cjfa-16357	327	10	hougan	hougan	NOUN
cjfa-16357	327	11	,	,	PUNCT
cjfa-16357	327	12	m.	m.	NOUN
cjfa-16357	327	13	(	(	PUNCT
cjfa-16357	327	14	2015	2015	NUM
cjfa-16357	327	15	)	)	PUNCT
cjfa-16357	327	16	.	.	PUNCT
cjfa-16357	328	1	a	a	DET
cjfa-16357	328	2	comprehensive	comprehensive	ADJ
cjfa-16357	328	3	guide	guide	NOUN
cjfa-16357	328	4	to	to	ADP
cjfa-16357	328	5	exchange	exchange	NOUN
cjfa-16357	328	6	-	-	PUNCT
cjfa-16357	328	7	traded	trade	VERB
cjfa-16357	328	8	funds	fund	NOUN
cjfa-16357	328	9	(	(	PUNCT
cjfa-16357	328	10	etfs	etfs	PROPN
cjfa-16357	328	11	)	)	PUNCT
cjfa-16357	328	12	,	,	PUNCT
cjfa-16357	328	13	cfa	cfa	PROPN
cjfa-16357	328	14	institute	institute	PROPN
cjfa-16357	328	15	.	.	PUNCT
cjfa-16357	329	1	kostovetsky	kostovetsky	PROPN
cjfa-16357	329	2	,	,	PUNCT
cjfa-16357	329	3	l.	l.	PROPN
cjfa-16357	329	4	(	(	PUNCT
cjfa-16357	329	5	2003	2003	NUM
cjfa-16357	329	6	)	)	PUNCT
cjfa-16357	329	7	.	.	PUNCT
cjfa-16357	330	1	index	index	NOUN
cjfa-16357	330	2	mutual	mutual	ADJ
cjfa-16357	330	3	funds	fund	NOUN
cjfa-16357	330	4	and	and	CCONJ
cjfa-16357	330	5	exchange	exchange	NOUN
cjfa-16357	330	6	traded	trade	VERB
cjfa-16357	330	7	funds	fund	NOUN
cjfa-16357	330	8	,	,	PUNCT
cjfa-16357	330	9	journal	journal	NOUN
cjfa-16357	330	10	of	of	ADP
cjfa-16357	330	11	portfolio	portfolio	NOUN
cjfa-16357	330	12	management	management	PROPN
cjfa-16357	330	13	,	,	PUNCT
cjfa-16357	330	14	vol	vol	NOUN
cjfa-16357	330	15	.	.	PROPN
cjfa-16357	330	16	29	29	NUM
cjfa-16357	330	17	,	,	PUNCT
cjfa-16357	330	18	80–92	80–92	NUM
cjfa-16357	330	19	.	.	PUNCT
cjfa-16357	331	1	http://doi.org/10.3905/jpm.2003.319897	http://doi.org/10.3905/jpm.2003.319897	PROPN
cjfa-16357	331	2	.	.	PUNCT
cjfa-16357	332	1	kamil	kamil	PROPN
cjfa-16357	332	2	nowak94	nowak94	PROPN
cjfa-16357	332	3	nowak	nowak	PROPN
cjfa-16357	332	4	,	,	PUNCT
cjfa-16357	332	5	k.	k.	PROPN
cjfa-16357	332	6	(	(	PUNCT
cjfa-16357	332	7	2016	2016	NUM
cjfa-16357	332	8	)	)	PUNCT
cjfa-16357	332	9	.	.	PUNCT
cjfa-16357	333	1	implementation	implementation	NOUN
cjfa-16357	333	2	of	of	ADP
cjfa-16357	333	3	alternative	alternative	ADJ
cjfa-16357	333	4	index	index	NOUN
cjfa-16357	333	5	weighting	weighting	NOUN
cjfa-16357	333	6	to	to	ADP
cjfa-16357	333	7	warsaw	warsaw	PROPN
cjfa-16357	333	8	stock	stock	PROPN
cjfa-16357	333	9	exchange	exchange	PROPN
cjfa-16357	333	10	,	,	PUNCT
cjfa-16357	333	11	copernican	copernican	PROPN
cjfa-16357	333	12	journal	journal	PROPN
cjfa-16357	333	13	of	of	ADP
cjfa-16357	333	14	finance	finance	NOUN
cjfa-16357	333	15	and	and	CCONJ
cjfa-16357	333	16	accounting	accounting	NOUN
cjfa-16357	333	17	,	,	PUNCT
cjfa-16357	333	18	vol	vol	NOUN
cjfa-16357	333	19	5	5	NUM
cjfa-16357	333	20	,	,	PUNCT
cjfa-16357	333	21	no	no	DET
cjfa-16357	333	22	2	2	NUM
cjfa-16357	333	23	,	,	PUNCT
cjfa-16357	333	24	166–179	166–179	NUM
cjfa-16357	333	25	.	.	PUNCT
cjfa-16357	334	1	http://	http://	PROPN
cjfa-16357	334	2	dx.doi.org/10.12775/cjfa.2016.021	dx.doi.org/10.12775/cjfa.2016.021	PROPN
cjfa-16357	334	3	.	.	PUNCT
cjfa-16357	335	1	poterba	poterba	NOUN
cjfa-16357	335	2	,	,	PUNCT
cjfa-16357	335	3	m.	m.	NOUN
cjfa-16357	335	4	,	,	PUNCT
cjfa-16357	335	5	&	&	CCONJ
cjfa-16357	335	6	shoven	shoven	ADJ
cjfa-16357	335	7	j.	j.	PROPN
cjfa-16357	335	8	(	(	PUNCT
cjfa-16357	335	9	2002	2002	NUM
cjfa-16357	335	10	)	)	PUNCT
cjfa-16357	335	11	.	.	PUNCT
cjfa-16357	336	1	exchange	exchange	NOUN
cjfa-16357	336	2	traded	trade	VERB
cjfa-16357	336	3	funds	fund	NOUN
cjfa-16357	336	4	:	:	PUNCT
cjfa-16357	336	5	a	a	DET
cjfa-16357	336	6	new	new	ADJ
cjfa-16357	336	7	investment	investment	NOUN
cjfa-16357	336	8	option	option	NOUN
cjfa-16357	336	9	for	for	ADP
cjfa-16357	336	10	taxable	taxable	ADJ
cjfa-16357	336	11	investors	investor	NOUN
cjfa-16357	336	12	,	,	PUNCT
cjfa-16357	336	13	american	american	PROPN
cjfa-16357	336	14	economic	economic	PROPN
cjfa-16357	336	15	review	review	PROPN
cjfa-16357	336	16	,	,	PUNCT
cjfa-16357	336	17	vol	vol	NOUN
cjfa-16357	336	18	.	.	PROPN
cjfa-16357	336	19	92	92	NUM
cjfa-16357	336	20	,	,	PUNCT
cjfa-16357	336	21	422–427	422–427	NUM
cjfa-16357	336	22	.	.	PUNCT
cjfa-16357	337	1	http://doi	http://doi	NOUN
cjfa-16357	337	2	.	.	NOUN
cjfa-16357	337	3	org/10.3386	org/10.3386	PROPN
cjfa-16357	337	4	/	/	SYM
cjfa-16357	337	5	w8781	w8781	PROPN
cjfa-16357	337	6	.	.	PUNCT
cjfa-16357	337	7	robo	robo	NOUN
cjfa-16357	337	8	-	-	PUNCT
cjfa-16357	337	9	advisor	advisor	NOUN
cjfa-16357	337	10	automation	automation	NOUN
cjfa-16357	337	11	to	to	PART
cjfa-16357	337	12	enhance	enhance	VERB
cjfa-16357	337	13	financial	financial	ADJ
cjfa-16357	337	14	advisory	advisory	NOUN
cjfa-16357	337	15	,	,	PUNCT
cjfa-16357	337	16	http://www.infosys.com	http://www.infosys.com	X
cjfa-16357	337	17	(	(	PUNCT
cjfa-16357	337	18	accessed	access	VERB
cjfa-16357	337	19	:	:	PUNCT
cjfa-16357	337	20	12.03.2017	12.03.2017	NUM
cjfa-16357	337	21	)	)	PUNCT
cjfa-16357	337	22	.	.	PUNCT
cjfa-16357	338	1	sironi	sironi	PROPN
cjfa-16357	338	2	,	,	PUNCT
cjfa-16357	338	3	p.	p.	NOUN
cjfa-16357	338	4	(	(	PUNCT
cjfa-16357	338	5	2016	2016	NUM
cjfa-16357	338	6	)	)	PUNCT
cjfa-16357	338	7	.	.	PUNCT
cjfa-16357	339	1	fintech	fintech	NOUN
cjfa-16357	339	2	innovation	innovation	NOUN
cjfa-16357	339	3	:	:	PUNCT
cjfa-16357	339	4	from	from	ADP
cjfa-16357	339	5	robo	robo	NOUN
cjfa-16357	339	6	-	-	PUNCT
cjfa-16357	339	7	advisors	advisor	NOUN
cjfa-16357	339	8	to	to	ADP
cjfa-16357	339	9	goal	goal	NOUN
cjfa-16357	339	10	-	-	PUNCT
cjfa-16357	339	11	based	base	VERB
cjfa-16357	339	12	investing	investing	NOUN
cjfa-16357	339	13	and	and	CCONJ
cjfa-16357	339	14	gamification	gamification	NOUN
cjfa-16357	339	15	,	,	PUNCT
cjfa-16357	339	16	2016	2016	NUM
cjfa-16357	339	17	.	.	PUNCT
cjfa-16357	340	1	xia	xia	PROPN
cjfa-16357	340	2	,	,	PUNCT
cjfa-16357	340	3	y.	y.	PROPN
cjfa-16357	340	4	(	(	PUNCT
cjfa-16357	340	5	2016	2016	NUM
cjfa-16357	340	6	)	)	PUNCT
cjfa-16357	340	7	.	.	PUNCT
cjfa-16357	341	1	debunking	debunk	VERB
cjfa-16357	341	2	the	the	DET
cjfa-16357	341	3	myths	myth	NOUN
cjfa-16357	341	4	behind	behind	ADP
cjfa-16357	341	5	the	the	DET
cjfa-16357	341	6	robo	robo	NOUN
cjfa-16357	341	7	advisors	advisor	NOUN
cjfa-16357	341	8	,	,	PUNCT
cjfa-16357	341	9	thinking	think	VERB
cjfa-16357	341	10	ahead	ahead	ADV
cjfa-16357	341	11	,	,	PUNCT
cjfa-16357	341	12	55–57	55–57	NUM
cjfa-16357	341	13	.	.	PUNCT
cjfa-16357	342	1	http://www.etf.com	http://www.etf.com	X
cjfa-16357	343	1	(	(	PUNCT
cjfa-16357	343	2	accessed	access	VERB
cjfa-16357	343	3	:	:	PUNCT
cjfa-16357	343	4	15.03.2017	15.03.2017	NUM
cjfa-16357	343	5	)	)	PUNCT
cjfa-16357	343	6	.	.	PUNCT
cjfa-16357	343	7	http://www.etfdb.com	http://www.etfdb.com	X
cjfa-16357	344	1	(	(	PUNCT
cjfa-16357	344	2	accessed	access	VERB
cjfa-16357	344	3	:	:	PUNCT
cjfa-16357	344	4	15.03.2017	15.03.2017	NUM
cjfa-16357	344	5	)	)	PUNCT
cjfa-16357	344	6	.	.	PUNCT
cjfa-16357	345	1	http://www.statista.com	http://www.statista.com	X
cjfa-16357	346	1	(	(	PUNCT
cjfa-16357	346	2	accessed	access	VERB
cjfa-16357	346	3	:	:	PUNCT
cjfa-16357	346	4	15.03.2017	15.03.2017	NUM
cjfa-16357	346	5	)	)	PUNCT
cjfa-16357	346	6	.	.	PUNCT
cjfa-16357	347	1	http://us.pensiontracker.org	http://us.pensiontracker.org	INTJ
cjfa-16357	347	2	(	(	PUNCT
cjfa-16357	347	3	accessed	access	VERB
cjfa-16357	347	4	:	:	PUNCT
cjfa-16357	347	5	15.03.2017	15.03.2017	NUM
cjfa-16357	347	6	)	)	PUNCT
cjfa-16357	347	7	.	.	PUNCT