id	sid	tid	token	lemma	pos
fsr-3702	1	1	pii	pii	PROPN
fsr-3702	1	2	:	:	PUNCT
fsr-3702	1	3	1057	1057	NUM
fsr-3702	1	4	-	-	SYM
fsr-3702	1	5	0810(92)90011	0810(92)90011	NUM
fsr-3702	1	6	-	-	PUNCT
fsr-3702	1	7	z	z	NOUN
fsr-3702	1	8	from	from	ADP
fsr-3702	1	9	the	the	DET
fsr-3702	1	10	editor	editor	NOUN
fsr-3702	1	11	investors	investor	NOUN
fsr-3702	1	12	today	today	NOUN
fsr-3702	1	13	are	be	AUX
fsr-3702	1	14	faced	face	VERB
fsr-3702	1	15	with	with	ADP
fsr-3702	1	16	an	an	DET
fsr-3702	1	17	abundance	abundance	NOUN
fsr-3702	1	18	of	of	ADP
fsr-3702	1	19	investment	investment	NOUN
fsr-3702	1	20	vehicles	vehicle	NOUN
fsr-3702	1	21	and	and	CCONJ
fsr-3702	1	22	a	a	DET
fsr-3702	1	23	bewildering	bewildering	ADJ
fsr-3702	1	24	number	number	NOUN
fsr-3702	1	25	of	of	ADP
fsr-3702	1	26	claims	claim	NOUN
fsr-3702	1	27	made	make	VERB
fsr-3702	1	28	by	by	ADP
fsr-3702	1	29	the	the	DET
fsr-3702	1	30	vendors	vendor	NOUN
fsr-3702	1	31	of	of	ADP
fsr-3702	1	32	these	these	DET
fsr-3702	1	33	vehicles	vehicle	NOUN
fsr-3702	1	34	.	.	PUNCT
fsr-3702	2	1	individuals	individual	NOUN
fsr-3702	2	2	are	be	AUX
fsr-3702	2	3	urged	urge	VERB
fsr-3702	2	4	to	to	PART
fsr-3702	2	5	purchase	purchase	VERB
fsr-3702	2	6	mutual	mutual	ADJ
fsr-3702	2	7	funds	fund	NOUN
fsr-3702	2	8	or	or	CCONJ
fsr-3702	2	9	variable	variable	ADJ
fsr-3702	2	10	annuities	annuity	NOUN
fsr-3702	2	11	based	base	VERB
fsr-3702	2	12	upon	upon	SCONJ
fsr-3702	2	13	a	a	DET
fsr-3702	2	14	variety	variety	NOUN
fsr-3702	2	15	of	of	ADP
fsr-3702	2	16	performance	performance	NOUN
fsr-3702	2	17	measures	measure	NOUN
fsr-3702	2	18	including	include	VERB
fsr-3702	2	19	alphas	alpha	NOUN
fsr-3702	2	20	,	,	PUNCT
fsr-3702	2	21	betas	beta	NOUN
fsr-3702	2	22	,	,	PUNCT
fsr-3702	2	23	and	and	CCONJ
fsr-3702	2	24	five	five	NUM
fsr-3702	2	25	and	and	CCONJ
fsr-3702	2	26	ten	ten	NUM
fsr-3702	2	27	year	year	NOUN
fsr-3702	2	28	compounded	compound	VERB
fsr-3702	2	29	annual	annual	ADJ
fsr-3702	2	30	returns	return	NOUN
fsr-3702	2	31	.	.	PUNCT
fsr-3702	3	1	some	some	DET
fsr-3702	3	2	vendors	vendor	NOUN
fsr-3702	3	3	tout	tout	VERB
fsr-3702	3	4	investment	investment	NOUN
fsr-3702	3	5	“	"	PUNCT
fsr-3702	3	6	systems	system	NOUN
fsr-3702	3	7	”	"	PUNCT
fsr-3702	3	8	,	,	PUNCT
fsr-3702	3	9	such	such	ADJ
fsr-3702	3	10	as	as	ADP
fsr-3702	3	11	dollar	dollar	NOUN
fsr-3702	3	12	cost	cost	NOUN
fsr-3702	3	13	averaging	averaging	NOUN
fsr-3702	3	14	,	,	PUNCT
fsr-3702	3	15	as	as	ADP
fsr-3702	3	16	best	good	ADJ
fsr-3702	3	17	meeting	meet	VERB
fsr-3702	3	18	the	the	DET
fsr-3702	3	19	investor	investor	NOUN
fsr-3702	3	20	’s	’s	PART
fsr-3702	3	21	needs	need	NOUN
fsr-3702	3	22	.	.	PUNCT
fsr-3702	4	1	the	the	DET
fsr-3702	4	2	four	four	NUM
fsr-3702	4	3	articles	article	NOUN
fsr-3702	4	4	in	in	ADP
fsr-3702	4	5	this	this	DET
fsr-3702	4	6	issue	issue	NOUN
fsr-3702	4	7	call	call	VERB
fsr-3702	4	8	into	into	ADP
fsr-3702	4	9	question	question	NOUN
fsr-3702	4	10	many	many	ADJ
fsr-3702	4	11	of	of	ADP
fsr-3702	4	12	these	these	DET
fsr-3702	4	13	claims	claim	NOUN
fsr-3702	4	14	.	.	PUNCT
fsr-3702	5	1	the	the	DET
fsr-3702	5	2	first	first	ADJ
fsr-3702	5	3	article	article	NOUN
fsr-3702	5	4	,	,	PUNCT
fsr-3702	5	5	“	"	PUNCT
fsr-3702	5	6	a	a	DET
fsr-3702	5	7	multicriteria	multicriteria	NOUN
fsr-3702	5	8	approach	approach	NOUN
fsr-3702	5	9	to	to	ADP
fsr-3702	5	10	mutual	mutual	ADJ
fsr-3702	5	11	fund	fund	NOUN
fsr-3702	5	12	selection	selection	NOUN
fsr-3702	5	13	,	,	PUNCT
fsr-3702	5	14	”	"	PUNCT
fsr-3702	5	15	by	by	ADP
fsr-3702	5	16	kevin	kevin	PROPN
fsr-3702	5	17	hebner	hebner	PROPN
fsr-3702	5	18	and	and	CCONJ
fsr-3702	5	19	wade	wade	PROPN
fsr-3702	5	20	cook	cook	VERB
fsr-3702	5	21	looks	look	VERB
fsr-3702	5	22	beyond	beyond	ADP
fsr-3702	5	23	a	a	DET
fsr-3702	5	24	fund	fund	NOUN
fsr-3702	5	25	’s	’s	PART
fsr-3702	5	26	risk	risk	NOUN
fsr-3702	5	27	-	-	PUNCT
fsr-3702	5	28	adjusted	adjust	VERB
fsr-3702	5	29	rate	rate	NOUN
fsr-3702	5	30	of	of	ADP
fsr-3702	5	31	return	return	NOUN
fsr-3702	5	32	.	.	PUNCT
fsr-3702	6	1	they	they	PRON
fsr-3702	6	2	suggest	suggest	VERB
fsr-3702	6	3	a	a	DET
fsr-3702	6	4	multicriteria	multicriteria	PROPN
fsr-3702	6	5	methodology	methodology	NOUN
fsr-3702	6	6	matches	match	VERB
fsr-3702	6	7	a	a	DET
fsr-3702	6	8	set	set	NOUN
fsr-3702	6	9	of	of	ADP
fsr-3702	6	10	fund	fund	NOUN
fsr-3702	6	11	attributes	attribute	NOUN
fsr-3702	6	12	to	to	ADP
fsr-3702	6	13	the	the	DET
fsr-3702	6	14	preferences	preference	NOUN
fsr-3702	6	15	of	of	ADP
fsr-3702	6	16	the	the	DET
fsr-3702	6	17	individual	individual	NOUN
fsr-3702	6	18	.	.	PUNCT
fsr-3702	7	1	these	these	DET
fsr-3702	7	2	attributes	attribute	NOUN
fsr-3702	7	3	include	include	VERB
fsr-3702	7	4	such	such	ADJ
fsr-3702	7	5	things	thing	NOUN
fsr-3702	7	6	as	as	ADP
fsr-3702	7	7	front	front	ADJ
fsr-3702	7	8	and	and	CCONJ
fsr-3702	7	9	back	back	ADJ
fsr-3702	7	10	-	-	PUNCT
fsr-3702	7	11	end	end	NOUN
fsr-3702	7	12	load	load	NOUN
fsr-3702	7	13	fees	fee	NOUN
fsr-3702	7	14	,	,	PUNCT
fsr-3702	7	15	the	the	DET
fsr-3702	7	16	level	level	NOUN
fsr-3702	7	17	of	of	ADP
fsr-3702	7	18	diversification	diversification	NOUN
fsr-3702	7	19	,	,	PUNCT
fsr-3702	7	20	the	the	DET
fsr-3702	7	21	quality	quality	NOUN
fsr-3702	7	22	of	of	ADP
fsr-3702	7	23	service	service	NOUN
fsr-3702	7	24	and	and	CCONJ
fsr-3702	7	25	the	the	DET
fsr-3702	7	26	standard	standard	ADJ
fsr-3702	7	27	deviation	deviation	NOUN
fsr-3702	7	28	of	of	ADP
fsr-3702	7	29	the	the	DET
fsr-3702	7	30	fund	fund	NOUN
fsr-3702	7	31	’s	’s	PART
fsr-3702	7	32	alpha	alpha	NOUN
fsr-3702	7	33	.	.	PUNCT
fsr-3702	8	1	the	the	DET
fsr-3702	8	2	second	second	ADJ
fsr-3702	8	3	article	article	NOUN
fsr-3702	8	4	,	,	PUNCT
fsr-3702	8	5	“	"	PUNCT
fsr-3702	8	6	active	active	ADJ
fsr-3702	8	7	asset	asset	NOUN
fsr-3702	8	8	allocation	allocation	NOUN
fsr-3702	8	9	decision	decision	NOUN
fsr-3702	8	10	of	of	ADP
fsr-3702	8	11	professional	professional	ADJ
fsr-3702	8	12	equity	equity	NOUN
fsr-3702	8	13	managers	manager	NOUN
fsr-3702	8	14	,	,	PUNCT
fsr-3702	8	15	”	"	PUNCT
fsr-3702	8	16	by	by	ADP
fsr-3702	8	17	robert	robert	PROPN
fsr-3702	8	18	brooks	brooks	PROPN
fsr-3702	8	19	,	,	PUNCT
fsr-3702	8	20	haim	haim	PROPN
fsr-3702	8	21	levy	levy	PROPN
fsr-3702	8	22	and	and	CCONJ
fsr-3702	8	23	robert	robert	PROPN
fsr-3702	8	24	radcliffe	radcliffe	PROPN
fsr-3702	8	25	,	,	PUNCT
fsr-3702	8	26	is	be	AUX
fsr-3702	8	27	related	relate	VERB
fsr-3702	8	28	in	in	ADP
fsr-3702	8	29	that	that	SCONJ
fsr-3702	8	30	it	it	PRON
fsr-3702	8	31	tells	tell	VERB
fsr-3702	8	32	us	we	PRON
fsr-3702	8	33	not	not	PART
fsr-3702	8	34	to	to	PART
fsr-3702	8	35	trust	trust	VERB
fsr-3702	8	36	a	a	DET
fsr-3702	8	37	single	single	ADJ
fsr-3702	8	38	measure	measure	NOUN
fsr-3702	8	39	of	of	ADP
fsr-3702	8	40	a	a	DET
fsr-3702	8	41	managed	manage	VERB
fsr-3702	8	42	portfolio	portfolio	NOUN
fsr-3702	8	43	’s	’s	PART
fsr-3702	8	44	risk	risk	NOUN
fsr-3702	8	45	,	,	PUNCT
fsr-3702	8	46	notably	notably	ADV
fsr-3702	8	47	its	its	PRON
fsr-3702	8	48	beta	beta	NOUN
fsr-3702	8	49	.	.	PUNCT
fsr-3702	9	1	the	the	DET
fsr-3702	9	2	widely	widely	ADV
fsr-3702	9	3	reported	report	VERB
fsr-3702	9	4	time	time	NOUN
fsr-3702	9	5	series	series	PROPN
fsr-3702	9	6	beta	beta	NOUN
fsr-3702	9	7	is	be	AUX
fsr-3702	9	8	found	find	VERB
fsr-3702	9	9	to	to	PART
fsr-3702	9	10	be	be	AUX
fsr-3702	9	11	a	a	DET
fsr-3702	9	12	poor	poor	ADJ
fsr-3702	9	13	predictor	predictor	NOUN
fsr-3702	9	14	of	of	ADP
fsr-3702	9	15	a	a	DET
fsr-3702	9	16	portfolio	portfolio	NOUN
fsr-3702	9	17	’s	’s	PART
fsr-3702	9	18	current	current	ADJ
fsr-3702	9	19	equity	equity	NOUN
fsr-3702	9	20	risk	risk	NOUN
fsr-3702	9	21	exposure	exposure	NOUN
fsr-3702	9	22	since	since	SCONJ
fsr-3702	9	23	active	active	ADJ
fsr-3702	9	24	and	and	CCONJ
fsr-3702	9	25	passive	passive	ADJ
fsr-3702	9	26	asset	asset	NOUN
fsr-3702	9	27	allocation	allocation	NOUN
fsr-3702	9	28	will	will	AUX
fsr-3702	9	29	change	change	VERB
fsr-3702	9	30	that	that	SCONJ
fsr-3702	9	31	beta	beta	NOUN
fsr-3702	9	32	from	from	ADP
fsr-3702	9	33	one	one	NUM
fsr-3702	9	34	quarter	quarter	NOUN
fsr-3702	9	35	to	to	ADP
fsr-3702	9	36	another	another	PRON
fsr-3702	9	37	.	.	PUNCT
fsr-3702	10	1	they	they	PRON
fsr-3702	10	2	recommend	recommend	VERB
fsr-3702	10	3	that	that	SCONJ
fsr-3702	10	4	investors	investor	NOUN
fsr-3702	10	5	be	be	AUX
fsr-3702	10	6	given	give	VERB
fsr-3702	10	7	the	the	DET
fsr-3702	10	8	fund	fund	NOUN
fsr-3702	10	9	’s	’s	PART
fsr-3702	10	10	current	current	ADJ
fsr-3702	10	11	cross	cross	ADJ
fsr-3702	10	12	-	-	ADJ
fsr-3702	10	13	sectional	sectional	ADJ
fsr-3702	10	14	beta	beta	NOUN
fsr-3702	10	15	as	as	ADV
fsr-3702	10	16	well	well	ADV
fsr-3702	10	17	since	since	SCONJ
fsr-3702	10	18	this	this	DET
fsr-3702	10	19	best	good	ADJ
fsr-3702	10	20	describes	describe	VERB
fsr-3702	10	21	the	the	DET
fsr-3702	10	22	market	market	NOUN
fsr-3702	10	23	risk	risk	NOUN
fsr-3702	10	24	of	of	ADP
fsr-3702	10	25	the	the	DET
fsr-3702	10	26	current	current	ADJ
fsr-3702	10	27	portfolio	portfolio	NOUN
fsr-3702	10	28	.	.	PUNCT
fsr-3702	11	1	incidentally	incidentally	ADV
fsr-3702	11	2	,	,	PUNCT
fsr-3702	11	3	this	this	DET
fsr-3702	11	4	information	information	NOUN
fsr-3702	11	5	is	be	AUX
fsr-3702	11	6	already	already	ADV
fsr-3702	11	7	supplied	supply	VERB
fsr-3702	11	8	to	to	ADP
fsr-3702	11	9	the	the	DET
fsr-3702	11	10	sophisticated	sophisticated	ADJ
fsr-3702	11	11	consultants	consultant	NOUN
fsr-3702	11	12	of	of	ADP
fsr-3702	11	13	large	large	ADJ
fsr-3702	11	14	investors	investor	NOUN
fsr-3702	11	15	such	such	ADJ
fsr-3702	11	16	as	as	ADP
fsr-3702	11	17	pension	pension	NOUN
fsr-3702	11	18	funds	fund	NOUN
fsr-3702	11	19	.	.	PUNCT
fsr-3702	12	1	the	the	DET
fsr-3702	12	2	third	third	ADJ
fsr-3702	12	3	article	article	NOUN
fsr-3702	12	4	is	be	AUX
fsr-3702	12	5	“	"	PUNCT
fsr-3702	12	6	long	long	ADJ
fsr-3702	12	7	-	-	PUNCT
fsr-3702	12	8	run	run	NOUN
fsr-3702	12	9	returns	return	NOUN
fsr-3702	12	10	on	on	ADP
fsr-3702	12	11	stock	stock	NOUN
fsr-3702	12	12	and	and	CCONJ
fsr-3702	12	13	bond	bond	NOUN
fsr-3702	12	14	portfolios	portfolio	NOUN
fsr-3702	12	15	:	:	PUNCT
fsr-3702	12	16	impli	impli	PROPN
fsr-3702	12	17	cations	cation	NOUN
fsr-3702	12	18	for	for	ADP
fsr-3702	12	19	retirement	retirement	NOUN
fsr-3702	12	20	planning	planning	NOUN
fsr-3702	12	21	”	"	PUNCT
fsr-3702	12	22	by	by	ADP
fsr-3702	12	23	kirt	kirt	PROPN
fsr-3702	12	24	butler	butler	PROPN
fsr-3702	12	25	and	and	CCONJ
fsr-3702	12	26	dale	dale	PROPN
fsr-3702	12	27	domian	domian	PROPN
fsr-3702	12	28	.	.	PUNCT
fsr-3702	13	1	since	since	SCONJ
fsr-3702	13	2	retirement	retirement	NOUN
fsr-3702	13	3	funds	fund	NOUN
fsr-3702	13	4	are	be	AUX
fsr-3702	13	5	accumulated	accumulate	VERB
fsr-3702	13	6	and	and	CCONJ
fsr-3702	13	7	disaccumulated	disaccumulate	VERB
fsr-3702	13	8	over	over	ADP
fsr-3702	13	9	long	long	ADJ
fsr-3702	13	10	periods	period	NOUN
fsr-3702	13	11	of	of	ADP
fsr-3702	13	12	time	time	NOUN
fsr-3702	13	13	,	,	PUNCT
fsr-3702	13	14	the	the	DET
fsr-3702	13	15	authors	author	NOUN
fsr-3702	13	16	look	look	VERB
fsr-3702	13	17	at	at	ADP
fsr-3702	13	18	the	the	DET
fsr-3702	13	19	effect	effect	NOUN
fsr-3702	13	20	of	of	ADP
fsr-3702	13	21	time	time	NOUN
fsr-3702	13	22	diversification	diversification	NOUN
fsr-3702	13	23	on	on	ADP
fsr-3702	13	24	the	the	DET
fsr-3702	13	25	choice	choice	NOUN
fsr-3702	13	26	of	of	ADP
fsr-3702	13	27	asset	asset	NOUN
fsr-3702	13	28	classes	class	NOUN
fsr-3702	13	29	.	.	PUNCT
fsr-3702	14	1	by	by	ADP
fsr-3702	14	2	resampling	resample	VERB
fsr-3702	14	3	ibbotson	ibbotson	PROPN
fsr-3702	14	4	data	datum	NOUN
fsr-3702	14	5	they	they	PRON
fsr-3702	14	6	find	find	VERB
fsr-3702	14	7	,	,	PUNCT
fsr-3702	14	8	for	for	ADP
fsr-3702	14	9	example	example	NOUN
fsr-3702	14	10	,	,	PUNCT
fsr-3702	14	11	that	that	SCONJ
fsr-3702	14	12	over	over	ADP
fsr-3702	14	13	a	a	DET
fsr-3702	14	14	30	30	NUM
fsr-3702	14	15	year	year	NOUN
fsr-3702	14	16	period	period	NOUN
fsr-3702	14	17	of	of	ADP
fsr-3702	14	18	accumulation	accumulation	NOUN
fsr-3702	14	19	,	,	PUNCT
fsr-3702	14	20	the	the	DET
fsr-3702	14	21	probability	probability	NOUN
fsr-3702	14	22	that	that	SCONJ
fsr-3702	14	23	corporate	corporate	ADJ
fsr-3702	14	24	bonds	bond	NOUN
fsr-3702	14	25	will	will	AUX
fsr-3702	14	26	outperform	outperform	VERB
fsr-3702	14	27	common	common	ADJ
fsr-3702	14	28	stocks	stock	NOUN
fsr-3702	14	29	is	be	AUX
fsr-3702	14	30	less	less	ADJ
fsr-3702	14	31	than	than	ADP
fsr-3702	14	32	4	4	NUM
fsr-3702	14	33	percent	percent	NOUN
fsr-3702	14	34	.	.	PUNCT
fsr-3702	15	1	this	this	DET
fsr-3702	15	2	type	type	NOUN
fsr-3702	15	3	of	of	ADP
fsr-3702	15	4	information	information	NOUN
fsr-3702	15	5	is	be	AUX
fsr-3702	15	6	critically	critically	ADV
fsr-3702	15	7	important	important	ADJ
fsr-3702	15	8	to	to	ADP
fsr-3702	15	9	individuals	individual	NOUN
fsr-3702	15	10	who	who	PRON
fsr-3702	15	11	are	be	AUX
fsr-3702	15	12	forced	force	VERB
fsr-3702	15	13	to	to	PART
fsr-3702	15	14	make	make	VERB
fsr-3702	15	15	asset	asset	NOUN
fsr-3702	15	16	allocation	allocation	NOUN
fsr-3702	15	17	decisions	decision	NOUN
fsr-3702	15	18	about	about	ADP
fsr-3702	15	19	their	their	PRON
fsr-3702	15	20	pensions	pension	NOUN
fsr-3702	15	21	with	with	ADP
fsr-3702	15	22	little	little	ADJ
fsr-3702	15	23	substantive	substantive	ADJ
fsr-3702	15	24	guidance	guidance	NOUN
fsr-3702	15	25	.	.	PUNCT
fsr-3702	16	1	v	v	X
fsr-3702	16	2	vi	vi	PROPN
fsr-3702	16	3	financial	financial	ADJ
fsr-3702	16	4	services	service	NOUN
fsr-3702	16	5	review	review	NOUN
fsr-3702	16	6	,	,	PUNCT
fsr-3702	16	7	2(l	2(l	NUM
fsr-3702	16	8	)	)	PUNCT
fsr-3702	16	9	1992/1993	1992/1993	NUM
fsr-3702	17	1	the	the	DET
fsr-3702	17	2	fourth	fourth	ADJ
fsr-3702	17	3	article	article	NOUN
fsr-3702	17	4	“	"	PUNCT
fsr-3702	17	5	nobody	nobody	PRON
fsr-3702	17	6	gains	gain	NOUN
fsr-3702	17	7	from	from	ADP
fsr-3702	17	8	dollar	dollar	NOUN
fsr-3702	17	9	cost	cost	NOUN
fsr-3702	17	10	averaging	averaging	NOUN
fsr-3702	17	11	,	,	PUNCT
fsr-3702	17	12	”	"	PUNCT
fsr-3702	17	13	takes	take	VERB
fsr-3702	17	14	on	on	ADP
fsr-3702	17	15	one	one	NUM
fsr-3702	17	16	of	of	ADP
fsr-3702	17	17	the	the	DET
fsr-3702	17	18	most	most	ADV
fsr-3702	17	19	cherished	cherished	ADJ
fsr-3702	17	20	and	and	CCONJ
fsr-3702	17	21	widely	widely	ADV
fsr-3702	17	22	advertised	advertise	VERB
fsr-3702	17	23	investment	investment	NOUN
fsr-3702	17	24	techniques	technique	NOUN
fsr-3702	17	25	recommended	recommend	VERB
fsr-3702	17	26	by	by	ADP
fsr-3702	17	27	retail	retail	ADJ
fsr-3702	17	28	brokerage	brokerage	NOUN
fsr-3702	17	29	firms	firm	NOUN
fsr-3702	17	30	.	.	PUNCT
fsr-3702	18	1	written	write	VERB
fsr-3702	18	2	by	by	ADP
fsr-3702	18	3	john	john	PROPN
fsr-3702	18	4	knight	knight	PROPN
fsr-3702	18	5	and	and	CCONJ
fsr-3702	18	6	myself	myself	PRON
fsr-3702	18	7	,	,	PUNCT
fsr-3702	18	8	the	the	DET
fsr-3702	18	9	article	article	NOUN
fsr-3702	18	10	contrasts	contrast	VERB
fsr-3702	18	11	dollar	dollar	NOUN
fsr-3702	18	12	cost	cost	NOUN
fsr-3702	18	13	averaging	averaging	NOUN
fsr-3702	18	14	with	with	ADP
fsr-3702	18	15	optimal	optimal	ADJ
fsr-3702	18	16	rebalancing	rebalancing	NOUN
fsr-3702	18	17	and	and	CCONJ
fsr-3702	18	18	a	a	DET
fsr-3702	18	19	buy	buy	NOUN
fsr-3702	18	20	and	and	CCONJ
fsr-3702	18	21	hold	hold	VERB
fsr-3702	18	22	strategy	strategy	NOUN
fsr-3702	18	23	through	through	ADP
fsr-3702	18	24	graphical	graphical	ADJ
fsr-3702	18	25	and	and	CCONJ
fsr-3702	18	26	empirical	empirical	ADJ
fsr-3702	18	27	analysis	analysis	NOUN
fsr-3702	18	28	and	and	CCONJ
fsr-3702	18	29	numerical	numerical	PROPN
fsr-3702	18	30	simulation	simulation	PROPN
fsr-3702	18	31	.	.	PUNCT
fsr-3702	19	1	dollar	dollar	NOUN
fsr-3702	19	2	cost	cost	NOUN
fsr-3702	19	3	averaging	averaging	NOUN
fsr-3702	19	4	,	,	PUNCT
fsr-3702	19	5	even	even	ADV
fsr-3702	19	6	without	without	ADP
fsr-3702	19	7	including	include	VERB
fsr-3702	19	8	its	its	PRON
fsr-3702	19	9	high	high	ADJ
fsr-3702	19	10	transactions	transaction	NOUN
fsr-3702	19	11	costs	cost	NOUN
fsr-3702	19	12	,	,	PUNCT
fsr-3702	19	13	turns	turn	VERB
fsr-3702	19	14	out	out	ADP
fsr-3702	19	15	worst	bad	ADJ
fsr-3702	19	16	for	for	ADP
fsr-3702	19	17	investors	investor	NOUN
fsr-3702	19	18	,	,	PUNCT
fsr-3702	19	19	but	but	CCONJ
fsr-3702	19	20	perhaps	perhaps	ADV
fsr-3702	19	21	not	not	PART
fsr-3702	19	22	for	for	ADP
fsr-3702	19	23	its	its	PRON
fsr-3702	19	24	promoters	promoter	NOUN
fsr-3702	19	25	.	.	PUNCT
fsr-3702	20	1	while	while	SCONJ
fsr-3702	20	2	all	all	PRON
fsr-3702	20	3	of	of	ADP
fsr-3702	20	4	the	the	DET
fsr-3702	20	5	articles	article	NOUN
fsr-3702	20	6	are	be	AUX
fsr-3702	20	7	academically	academically	ADV
fsr-3702	20	8	rigorous	rigorous	ADJ
fsr-3702	20	9	,	,	PUNCT
fsr-3702	20	10	they	they	PRON
fsr-3702	20	11	also	also	ADV
fsr-3702	20	12	have	have	VERB
fsr-3702	20	13	immediately	immediately	ADV
fsr-3702	20	14	usable	usable	ADJ
fsr-3702	20	15	implications	implication	NOUN
fsr-3702	20	16	.	.	PUNCT
fsr-3702	21	1	hopefully	hopefully	ADV
fsr-3702	21	2	they	they	PRON
fsr-3702	21	3	will	will	AUX
fsr-3702	21	4	be	be	AUX
fsr-3702	21	5	used	use	VERB
fsr-3702	21	6	by	by	ADP
fsr-3702	21	7	the	the	DET
fsr-3702	21	8	better	well	ADV
fsr-3702	21	9	educated	educate	VERB
fsr-3702	21	10	financial	financial	ADJ
fsr-3702	21	11	planners	planner	NOUN
fsr-3702	21	12	as	as	ADV
fsr-3702	21	13	well	well	ADV
fsr-3702	21	14	as	as	ADP
fsr-3702	21	15	by	by	ADP
fsr-3702	21	16	financial	financial	ADJ
fsr-3702	21	17	product	product	NOUN
fsr-3702	21	18	vendors	vendor	NOUN
fsr-3702	21	19	seeking	seek	VERB
fsr-3702	21	20	to	to	PART
fsr-3702	21	21	enlarge	enlarge	VERB
fsr-3702	21	22	their	their	PRON
fsr-3702	21	23	share	share	NOUN
fsr-3702	21	24	of	of	ADP
fsr-3702	21	25	an	an	DET
fsr-3702	21	26	increasingly	increasingly	ADV
fsr-3702	21	27	sophisticated	sophisticated	ADJ
fsr-3702	21	28	market	market	NOUN
fsr-3702	21	29	.	.	PUNCT
fsr-3702	22	1	a	a	DET
fsr-3702	22	2	great	great	ADJ
fsr-3702	22	3	deal	deal	NOUN
fsr-3702	22	4	of	of	ADP
fsr-3702	22	5	additional	additional	ADJ
fsr-3702	22	6	research	research	NOUN
fsr-3702	22	7	needs	need	VERB
fsr-3702	22	8	to	to	PART
fsr-3702	22	9	be	be	AUX
fsr-3702	22	10	done	do	VERB
fsr-3702	22	11	in	in	ADP
fsr-3702	22	12	the	the	DET
fsr-3702	22	13	area	area	NOUN
fsr-3702	22	14	of	of	ADP
fsr-3702	22	15	individual	individual	ADJ
fsr-3702	22	16	investment	investment	NOUN
fsr-3702	22	17	.	.	PUNCT
fsr-3702	23	1	we	we	PRON
fsr-3702	23	2	do	do	AUX
fsr-3702	23	3	not	not	PART
fsr-3702	23	4	know	know	VERB
fsr-3702	23	5	,	,	PUNCT
fsr-3702	23	6	for	for	ADP
fsr-3702	23	7	example	example	NOUN
fsr-3702	23	8	,	,	PUNCT
fsr-3702	23	9	the	the	DET
fsr-3702	23	10	effect	effect	NOUN
fsr-3702	23	11	of	of	ADP
fsr-3702	23	12	mean	mean	ADJ
fsr-3702	23	13	reversion	reversion	NOUN
fsr-3702	23	14	on	on	ADP
fsr-3702	23	15	optimal	optimal	ADJ
fsr-3702	23	16	portfolio	portfolio	NOUN
fsr-3702	23	17	construction	construction	NOUN
fsr-3702	23	18	for	for	ADP
fsr-3702	23	19	the	the	DET
fsr-3702	23	20	individual	individual	NOUN
fsr-3702	23	21	.	.	PUNCT
fsr-3702	24	1	nor	nor	CCONJ
fsr-3702	24	2	do	do	AUX
fsr-3702	24	3	we	we	PRON
fsr-3702	24	4	know	know	VERB
fsr-3702	24	5	why	why	SCONJ
fsr-3702	24	6	so	so	ADV
fsr-3702	24	7	many	many	ADJ
fsr-3702	24	8	consumers	consumer	NOUN
fsr-3702	24	9	purchase	purchase	VERB
fsr-3702	24	10	mutual	mutual	ADJ
fsr-3702	24	11	funds	fund	NOUN
fsr-3702	24	12	and	and	CCONJ
fsr-3702	24	13	variable	variable	ADJ
fsr-3702	24	14	annuities	annuity	NOUN
fsr-3702	24	15	with	with	ADP
fsr-3702	24	16	timing	timing	NOUN
fsr-3702	24	17	services	service	NOUN
fsr-3702	24	18	that	that	PRON
fsr-3702	24	19	almost	almost	ADV
fsr-3702	24	20	consistently	consistently	ADV
fsr-3702	24	21	underperform	underperform	VERB
fsr-3702	24	22	the	the	DET
fsr-3702	24	23	indices	index	NOUN
fsr-3702	24	24	.	.	PUNCT
fsr-3702	25	1	little	little	ADJ
fsr-3702	25	2	has	have	AUX
fsr-3702	25	3	been	be	AUX
fsr-3702	25	4	written	write	VERB
fsr-3702	25	5	about	about	ADP
fsr-3702	25	6	hedging	hedge	VERB
fsr-3702	25	7	pur	pur	NOUN
fsr-3702	25	8	chasing	chase	VERB
fsr-3702	25	9	power	power	NOUN
fsr-3702	25	10	risk	risk	NOUN
fsr-3702	25	11	in	in	ADP
fsr-3702	25	12	retirement	retirement	NOUN
fsr-3702	25	13	portfolios	portfolio	NOUN
fsr-3702	25	14	,	,	PUNCT
fsr-3702	25	15	particularly	particularly	ADV
fsr-3702	25	16	for	for	ADP
fsr-3702	25	17	those	those	PRON
fsr-3702	25	18	living	live	VERB
fsr-3702	25	19	on	on	ADP
fsr-3702	25	20	non	non	ADJ
fsr-3702	25	21	adjustable	adjustable	ADJ
fsr-3702	25	22	defined	define	VERB
fsr-3702	25	23	benefit	benefit	NOUN
fsr-3702	25	24	pension	pension	NOUN
fsr-3702	25	25	plans	plan	NOUN
fsr-3702	25	26	.	.	PUNCT
fsr-3702	26	1	and	and	CCONJ
fsr-3702	26	2	what	what	PRON
fsr-3702	26	3	about	about	ADP
fsr-3702	26	4	the	the	DET
fsr-3702	26	5	tradeoffs	tradeoff	NOUN
fsr-3702	26	6	of	of	ADP
fsr-3702	26	7	adding	add	VERB
fsr-3702	26	8	an	an	DET
fsr-3702	26	9	employer	employer	NOUN
fsr-3702	26	10	’s	’s	PART
fsr-3702	26	11	stock	stock	NOUN
fsr-3702	26	12	to	to	ADP
fsr-3702	26	13	your	your	PRON
fsr-3702	26	14	portfolio	portfolio	NOUN
fsr-3702	26	15	in	in	ADP
fsr-3702	26	16	a	a	DET
fsr-3702	26	17	subsidized	subsidized	ADJ
fsr-3702	26	18	purchase	purchase	NOUN
fsr-3702	26	19	plan	plan	NOUN
fsr-3702	26	20	when	when	SCONJ
fsr-3702	26	21	you	you	PRON
fsr-3702	26	22	are	be	AUX
fsr-3702	26	23	already	already	ADV
fsr-3702	26	24	dependent	dependent	ADJ
fsr-3702	26	25	upon	upon	SCONJ
fsr-3702	26	26	that	that	DET
fsr-3702	26	27	employer	employer	NOUN
fsr-3702	26	28	for	for	ADP
fsr-3702	26	29	your	your	PRON
fsr-3702	26	30	salary	salary	NOUN
fsr-3702	26	31	and	and	CCONJ
fsr-3702	26	32	pension	pension	NOUN
fsr-3702	26	33	?	?	PUNCT
fsr-3702	27	1	this	this	DET
fsr-3702	27	2	column	column	NOUN
fsr-3702	27	3	will	will	AUX
fsr-3702	27	4	be	be	AUX
fsr-3702	27	5	used	use	VERB
fsr-3702	27	6	to	to	PART
fsr-3702	27	7	suggest	suggest	VERB
fsr-3702	27	8	research	research	NOUN
fsr-3702	27	9	topics	topic	NOUN
fsr-3702	27	10	in	in	ADP
fsr-3702	27	11	individual	individual	ADJ
fsr-3702	27	12	financial	financial	ADJ
fsr-3702	27	13	management	management	NOUN
fsr-3702	27	14	.	.	PUNCT
fsr-3702	28	1	the	the	DET
fsr-3702	28	2	editors	editor	NOUN
fsr-3702	28	3	of	of	ADP
fsr-3702	28	4	financial	financial	ADJ
fsr-3702	28	5	services	service	NOUN
fsr-3702	28	6	review	review	NOUN
fsr-3702	28	7	are	be	AUX
fsr-3702	28	8	accessible	accessible	ADJ
fsr-3702	28	9	and	and	CCONJ
fsr-3702	28	10	welcome	welcome	ADJ
fsr-3702	28	11	calls	call	NOUN
fsr-3702	28	12	to	to	PART
fsr-3702	28	13	discuss	discuss	VERB
fsr-3702	28	14	research	research	NOUN
fsr-3702	28	15	ideas	idea	NOUN
fsr-3702	28	16	.	.	PUNCT
fsr-3702	29	1	-lewis	-lewis	ADJ
fsr-3702	29	2	mandell	mandell	NOUN