id	sid	tid	token	lemma	pos
fsr-3909	1	1	pii	pii	PROPN
fsr-3909	1	2	:	:	PUNCT
fsr-3909	1	3	s1057	s1057	NOUN
fsr-3909	1	4	-	-	PUNCT
fsr-3909	1	5	0810(00)00057	0810(00)00057	NUM
fsr-3909	1	6	-	-	PUNCT
fsr-3909	1	7	3	3	NUM
fsr-3909	1	8	asset	asset	NOUN
fsr-3909	1	9	allocation	allocation	NOUN
fsr-3909	1	10	decisions	decision	NOUN
fsr-3909	1	11	in	in	ADP
fsr-3909	1	12	retirement	retirement	NOUN
fsr-3909	1	13	accounts	account	NOUN
fsr-3909	1	14	:	:	PUNCT
fsr-3909	1	15	an	an	DET
fsr-3909	1	16	all	all	ADV
fsr-3909	1	17	-	-	PUNCT
fsr-3909	1	18	or	or	CCONJ
fsr-3909	1	19	-	-	PUNCT
fsr-3909	1	20	nothing	nothing	PRON
fsr-3909	1	21	proposition	proposition	NOUN
fsr-3909	1	22	?	?	PUNCT
fsr-3909	2	1	doug	doug	NOUN
fsr-3909	2	2	waggle	waggle	PROPN
fsr-3909	2	3	*	*	PUNCT
fsr-3909	2	4	,	,	PUNCT
fsr-3909	2	5	basil	basil	PROPN
fsr-3909	2	6	englis	englis	PROPN
fsr-3909	2	7	campbell	campbell	PROPN
fsr-3909	2	8	school	school	PROPN
fsr-3909	2	9	of	of	ADP
fsr-3909	2	10	business	business	NOUN
fsr-3909	2	11	,	,	PUNCT
fsr-3909	2	12	berry	berry	NOUN
fsr-3909	2	13	college	college	NOUN
fsr-3909	2	14	,	,	PUNCT
fsr-3909	2	15	mount	mount	PROPN
fsr-3909	2	16	berry	berry	PROPN
fsr-3909	2	17	,	,	PUNCT
fsr-3909	2	18	ga	ga	PROPN
fsr-3909	2	19	30149	30149	NUM
fsr-3909	2	20	-	-	SYM
fsr-3909	2	21	5024	5024	NUM
fsr-3909	2	22	,	,	PUNCT
fsr-3909	2	23	usa	usa	PROPN
fsr-3909	2	24	received	receive	VERB
fsr-3909	2	25	28	28	NUM
fsr-3909	2	26	june	june	PROPN
fsr-3909	2	27	1999	1999	NUM
fsr-3909	2	28	;	;	PUNCT
fsr-3909	2	29	received	receive	VERB
fsr-3909	2	30	in	in	ADP
fsr-3909	2	31	revised	revise	VERB
fsr-3909	2	32	form	form	NOUN
fsr-3909	2	33	6	6	NUM
fsr-3909	2	34	november	november	NOUN
fsr-3909	2	35	1999	1999	NUM
fsr-3909	2	36	;	;	PUNCT
fsr-3909	2	37	received	receive	VERB
fsr-3909	2	38	in	in	ADP
fsr-3909	2	39	second	second	ADJ
fsr-3909	2	40	revised	revise	VERB
fsr-3909	2	41	form	form	NOUN
fsr-3909	2	42	10	10	NUM
fsr-3909	2	43	march	march	NOUN
fsr-3909	2	44	2000	2000	NUM
fsr-3909	2	45	abstract	abstract	NOUN
fsr-3909	2	46	an	an	DET
fsr-3909	2	47	examination	examination	NOUN
fsr-3909	2	48	of	of	ADP
fsr-3909	2	49	survey	survey	NOUN
fsr-3909	2	50	responses	response	NOUN
fsr-3909	2	51	about	about	ADP
fsr-3909	2	52	individual	individual	ADJ
fsr-3909	2	53	retirement	retirement	NOUN
fsr-3909	2	54	account	account	NOUN
fsr-3909	2	55	(	(	PUNCT
fsr-3909	2	56	ira	ira	PROPN
fsr-3909	2	57	)	)	PUNCT
fsr-3909	2	58	holdings	holding	NOUN
fsr-3909	2	59	reveals	reveal	VERB
fsr-3909	2	60	that	that	SCONJ
fsr-3909	2	61	individuals	individual	NOUN
fsr-3909	2	62	often	often	ADV
fsr-3909	2	63	take	take	VERB
fsr-3909	2	64	all	all	ADV
fsr-3909	2	65	-	-	PUNCT
fsr-3909	2	66	or	or	CCONJ
fsr-3909	2	67	-	-	PUNCT
fsr-3909	2	68	nothing	nothing	PRON
fsr-3909	2	69	approaches	approach	NOUN
fsr-3909	2	70	in	in	ADP
fsr-3909	2	71	their	their	PRON
fsr-3909	2	72	decisions	decision	NOUN
fsr-3909	2	73	to	to	PART
fsr-3909	2	74	diversify	diversify	VERB
fsr-3909	2	75	across	across	ADP
fsr-3909	2	76	the	the	DET
fsr-3909	2	77	asset	asset	NOUN
fsr-3909	2	78	categories	category	NOUN
fsr-3909	2	79	of	of	ADP
fsr-3909	2	80	cash	cash	NOUN
fsr-3909	2	81	,	,	PUNCT
fsr-3909	2	82	bonds	bond	NOUN
fsr-3909	2	83	,	,	PUNCT
fsr-3909	2	84	and	and	CCONJ
fsr-3909	2	85	equity	equity	NOUN
fsr-3909	2	86	.	.	PUNCT
fsr-3909	3	1	two	two	NUM
fsr-3909	3	2	thirds	third	NOUN
fsr-3909	3	3	of	of	ADP
fsr-3909	3	4	survey	survey	NOUN
fsr-3909	3	5	respondents	respondent	NOUN
fsr-3909	3	6	put	put	VERB
fsr-3909	3	7	their	their	PRON
fsr-3909	3	8	entire	entire	ADJ
fsr-3909	3	9	ira	ira	PROPN
fsr-3909	3	10	holdings	holding	NOUN
fsr-3909	3	11	into	into	ADP
fsr-3909	3	12	a	a	DET
fsr-3909	3	13	single	single	ADJ
fsr-3909	3	14	asset	asset	NOUN
fsr-3909	3	15	category	category	NOUN
fsr-3909	3	16	.	.	PUNCT
fsr-3909	4	1	a	a	DET
fsr-3909	4	2	surprisingly	surprisingly	ADV
fsr-3909	4	3	large	large	ADJ
fsr-3909	4	4	proportion	proportion	NOUN
fsr-3909	4	5	of	of	ADP
fsr-3909	4	6	funds	fund	NOUN
fsr-3909	4	7	is	be	AUX
fsr-3909	4	8	held	hold	VERB
fsr-3909	4	9	in	in	ADP
fsr-3909	4	10	cash	cash	NOUN
fsr-3909	4	11	,	,	PUNCT
fsr-3909	4	12	while	while	SCONJ
fsr-3909	4	13	only	only	ADV
fsr-3909	4	14	a	a	DET
fsr-3909	4	15	minimal	minimal	ADJ
fsr-3909	4	16	amount	amount	NOUN
fsr-3909	4	17	is	be	AUX
fsr-3909	4	18	invested	invest	VERB
fsr-3909	4	19	in	in	ADP
fsr-3909	4	20	bonds	bond	NOUN
fsr-3909	4	21	.	.	PUNCT
fsr-3909	5	1	these	these	DET
fsr-3909	5	2	findings	finding	NOUN
fsr-3909	5	3	also	also	ADV
fsr-3909	5	4	contrast	contrast	VERB
fsr-3909	5	5	with	with	ADP
fsr-3909	5	6	those	those	PRON
fsr-3909	5	7	of	of	ADP
fsr-3909	5	8	bodie	bodie	PROPN
fsr-3909	5	9	and	and	CCONJ
fsr-3909	5	10	crane	crane	NOUN
fsr-3909	5	11	’s	’s	PART
fsr-3909	5	12	(	(	PUNCT
fsr-3909	5	13	1997	1997	NUM
fsr-3909	5	14	)	)	PUNCT
fsr-3909	5	15	examination	examination	NOUN
fsr-3909	5	16	of	of	ADP
fsr-3909	5	17	tiaa	tiaa	ADJ
fsr-3909	5	18	-	-	PUNCT
fsr-3909	5	19	cref	cref	NOUN
fsr-3909	5	20	participants	participant	NOUN
fsr-3909	5	21	,	,	PUNCT
fsr-3909	5	22	which	which	PRON
fsr-3909	5	23	is	be	AUX
fsr-3909	5	24	heavily	heavily	ADV
fsr-3909	5	25	weighted	weight	VERB
fsr-3909	5	26	with	with	ADP
fsr-3909	5	27	individuals	individual	NOUN
fsr-3909	5	28	holding	hold	VERB
fsr-3909	5	29	fixed	fix	VERB
fsr-3909	5	30	income	income	NOUN
fsr-3909	5	31	annuities	annuity	NOUN
fsr-3909	5	32	.	.	PUNCT
fsr-3909	6	1	our	our	PRON
fsr-3909	6	2	results	result	NOUN
fsr-3909	6	3	suggest	suggest	VERB
fsr-3909	6	4	that	that	SCONJ
fsr-3909	6	5	there	there	PRON
fsr-3909	6	6	is	be	VERB
fsr-3909	6	7	a	a	DET
fsr-3909	6	8	compelling	compelling	ADJ
fsr-3909	6	9	need	need	NOUN
fsr-3909	6	10	for	for	ADP
fsr-3909	6	11	risk	risk	NOUN
fsr-3909	6	12	education	education	NOUN
fsr-3909	6	13	for	for	ADP
fsr-3909	6	14	investors	investor	NOUN
fsr-3909	6	15	.	.	PUNCT
fsr-3909	7	1	©	©	ADP
fsr-3909	7	2	2000	2000	NUM
fsr-3909	7	3	elsevier	elsevier	PROPN
fsr-3909	7	4	science	science	PROPN
fsr-3909	7	5	inc	inc	PROPN
fsr-3909	7	6	.	.	PUNCT
fsr-3909	8	1	all	all	DET
fsr-3909	8	2	rights	right	NOUN
fsr-3909	8	3	reserved	reserve	VERB
fsr-3909	8	4	.	.	PUNCT
fsr-3909	9	1	jel	jel	PROPN
fsr-3909	9	2	classification	classification	NOUN
fsr-3909	9	3	:	:	PUNCT
fsr-3909	9	4	d12	d12	PROPN
fsr-3909	9	5	;	;	PUNCT
fsr-3909	9	6	g11	g11	NOUN
fsr-3909	9	7	keywords	keyword	NOUN
fsr-3909	9	8	:	:	PUNCT
fsr-3909	9	9	individual	individual	ADJ
fsr-3909	9	10	investors	investor	NOUN
fsr-3909	9	11	;	;	PUNCT
fsr-3909	9	12	retirement	retirement	NOUN
fsr-3909	9	13	accounts	account	NOUN
fsr-3909	9	14	;	;	PUNCT
fsr-3909	9	15	asset	asset	NOUN
fsr-3909	9	16	allocation	allocation	NOUN
fsr-3909	9	17	1	1	NUM
fsr-3909	9	18	.	.	PUNCT
fsr-3909	9	19	introduction	introduction	NOUN
fsr-3909	9	20	the	the	DET
fsr-3909	9	21	portfolio	portfolio	NOUN
fsr-3909	9	22	decision	decision	NOUN
fsr-3909	9	23	-	-	PUNCT
fsr-3909	9	24	making	making	NOUN
fsr-3909	9	25	of	of	ADP
fsr-3909	9	26	individual	individual	ADJ
fsr-3909	9	27	investors	investor	NOUN
fsr-3909	9	28	is	be	AUX
fsr-3909	9	29	an	an	DET
fsr-3909	9	30	issue	issue	NOUN
fsr-3909	9	31	of	of	ADP
fsr-3909	9	32	increasing	increase	VERB
fsr-3909	9	33	importance	importance	NOUN
fsr-3909	9	34	as	as	SCONJ
fsr-3909	9	35	more	more	ADJ
fsr-3909	9	36	and	and	CCONJ
fsr-3909	9	37	more	more	ADJ
fsr-3909	9	38	individuals	individual	NOUN
fsr-3909	9	39	take	take	VERB
fsr-3909	9	40	personal	personal	ADJ
fsr-3909	9	41	control	control	NOUN
fsr-3909	9	42	of	of	ADP
fsr-3909	9	43	their	their	PRON
fsr-3909	9	44	investment	investment	NOUN
fsr-3909	9	45	and	and	CCONJ
fsr-3909	9	46	retirement	retirement	NOUN
fsr-3909	9	47	accounts	account	NOUN
fsr-3909	9	48	.	.	PUNCT
fsr-3909	10	1	defined	define	VERB
fsr-3909	10	2	contribution	contribution	NOUN
fsr-3909	10	3	retirement	retirement	NOUN
fsr-3909	10	4	plans	plan	NOUN
fsr-3909	10	5	,	,	PUNCT
fsr-3909	10	6	as	as	SCONJ
fsr-3909	10	7	contrasted	contrast	VERB
fsr-3909	10	8	with	with	ADP
fsr-3909	10	9	the	the	DET
fsr-3909	10	10	more	more	ADV
fsr-3909	10	11	traditional	traditional	ADJ
fsr-3909	10	12	defined	define	VERB
fsr-3909	10	13	benefit	benefit	NOUN
fsr-3909	10	14	retirement	retirement	NOUN
fsr-3909	10	15	plans	plan	NOUN
fsr-3909	10	16	,	,	PUNCT
fsr-3909	10	17	are	be	AUX
fsr-3909	10	18	becoming	become	VERB
fsr-3909	10	19	the	the	DET
fsr-3909	10	20	norm	norm	NOUN
fsr-3909	10	21	rather	rather	ADV
fsr-3909	10	22	than	than	ADP
fsr-3909	10	23	the	the	DET
fsr-3909	10	24	exception	exception	NOUN
fsr-3909	10	25	.	.	PUNCT
fsr-3909	11	1	for	for	ADP
fsr-3909	11	2	*	*	PUNCT
fsr-3909	11	3	corresponding	correspond	VERB
fsr-3909	11	4	author	author	NOUN
fsr-3909	11	5	.	.	PUNCT
fsr-3909	12	1	tel.:11	tel.:11	PROPN
fsr-3909	12	2	-	-	PUNCT
fsr-3909	12	3	706	706	NUM
fsr-3909	12	4	-	-	PUNCT
fsr-3909	12	5	290	290	NUM
fsr-3909	12	6	-	-	PUNCT
fsr-3909	12	7	2681	2681	NUM
fsr-3909	12	8	;	;	PUNCT
fsr-3909	12	9	fax:11	fax:11	NOUN
fsr-3909	12	10	-	-	PUNCT
fsr-3909	12	11	706	706	NUM
fsr-3909	12	12	-	-	PUNCT
fsr-3909	12	13	238	238	NUM
fsr-3909	12	14	-	-	PUNCT
fsr-3909	12	15	7854	7854	NUM
fsr-3909	12	16	.	.	PUNCT
fsr-3909	13	1	e	e	X
fsr-3909	13	2	-	-	NOUN
fsr-3909	13	3	mail	mail	NOUN
fsr-3909	13	4	addresses:dwaggle@berry.edu	addresses:dwaggle@berry.edu	PROPN
fsr-3909	13	5	(	(	PUNCT
fsr-3909	13	6	d.	d.	NOUN
fsr-3909	13	7	waggle	waggle	PROPN
fsr-3909	13	8	)	)	PUNCT
fsr-3909	13	9	,	,	PUNCT
fsr-3909	13	10	benglis@berry.edu	benglis@berry.edu	PROPN
fsr-3909	13	11	(	(	PUNCT
fsr-3909	13	12	b.	b.	PROPN
fsr-3909	13	13	englis	englis	PROPN
fsr-3909	13	14	)	)	PUNCT
fsr-3909	13	15	.	.	PUNCT
fsr-3909	14	1	financial	financial	ADJ
fsr-3909	14	2	services	service	NOUN
fsr-3909	14	3	review	review	VERB
fsr-3909	14	4	9	9	NUM
fsr-3909	14	5	(	(	PUNCT
fsr-3909	14	6	2000	2000	NUM
fsr-3909	14	7	)	)	PUNCT
fsr-3909	14	8	79–92	79–92	NOUN
fsr-3909	14	9	1057	1057	NUM
fsr-3909	14	10	-	-	SYM
fsr-3909	14	11	0810/00/$	0810/00/$	NUM
fsr-3909	14	12	–	–	PUNCT
fsr-3909	14	13	see	see	VERB
fsr-3909	14	14	front	front	ADJ
fsr-3909	14	15	matter	matter	NOUN
fsr-3909	15	1	©	©	PROPN
fsr-3909	15	2	2000	2000	NUM
fsr-3909	15	3	elsevier	elsevier	PROPN
fsr-3909	15	4	science	science	PROPN
fsr-3909	15	5	inc	inc	PROPN
fsr-3909	15	6	.	.	PUNCT
fsr-3909	16	1	all	all	DET
fsr-3909	16	2	rights	right	NOUN
fsr-3909	16	3	reserved	reserve	VERB
fsr-3909	16	4	.	.	PUNCT
fsr-3909	17	1	pii	pii	NOUN
fsr-3909	17	2	:	:	PUNCT
fsr-3909	17	3	s1057	s1057	NOUN
fsr-3909	17	4	-	-	PUNCT
fsr-3909	17	5	0810(00)00057	0810(00)00057	NUM
fsr-3909	17	6	-	-	PUNCT
fsr-3909	17	7	3	3	NUM
fsr-3909	17	8	example	example	NOUN
fsr-3909	17	9	,	,	PUNCT
fsr-3909	17	10	jacobius	jacobius	PROPN
fsr-3909	17	11	(	(	PUNCT
fsr-3909	17	12	1999	1999	NUM
fsr-3909	17	13	)	)	PUNCT
fsr-3909	17	14	presents	present	VERB
fsr-3909	17	15	survey	survey	NOUN
fsr-3909	17	16	results	result	NOUN
fsr-3909	17	17	showing	show	VERB
fsr-3909	17	18	that	that	SCONJ
fsr-3909	17	19	51	51	NUM
fsr-3909	17	20	%	%	NOUN
fsr-3909	17	21	of	of	ADP
fsr-3909	17	22	employees	employee	NOUN
fsr-3909	17	23	with	with	ADP
fsr-3909	17	24	retirement	retirement	NOUN
fsr-3909	17	25	plans	plan	NOUN
fsr-3909	17	26	are	be	AUX
fsr-3909	17	27	in	in	ADP
fsr-3909	17	28	defined	define	VERB
fsr-3909	17	29	contribution	contribution	NOUN
fsr-3909	17	30	plans	plan	NOUN
fsr-3909	17	31	.	.	PUNCT
fsr-3909	18	1	401(k	401(k	NOUN
fsr-3909	18	2	)	)	PUNCT
fsr-3909	18	3	and	and	CCONJ
fsr-3909	18	4	403(b	403(b	PROPN
fsr-3909	18	5	)	)	PUNCT
fsr-3909	18	6	plans	plan	NOUN
fsr-3909	18	7	generally	generally	ADV
fsr-3909	18	8	give	give	VERB
fsr-3909	18	9	employees	employee	NOUN
fsr-3909	18	10	of	of	ADP
fsr-3909	18	11	all	all	DET
fsr-3909	18	12	levels	level	NOUN
fsr-3909	18	13	and	and	CCONJ
fsr-3909	18	14	backgrounds	background	NOUN
fsr-3909	18	15	discretionary	discretionary	ADJ
fsr-3909	18	16	control	control	NOUN
fsr-3909	18	17	over	over	ADP
fsr-3909	18	18	their	their	PRON
fsr-3909	18	19	retirement	retirement	NOUN
fsr-3909	18	20	futures	future	NOUN
fsr-3909	18	21	by	by	ADP
fsr-3909	18	22	allowing	allow	VERB
fsr-3909	18	23	them	they	PRON
fsr-3909	18	24	to	to	PART
fsr-3909	18	25	choose	choose	VERB
fsr-3909	18	26	how	how	SCONJ
fsr-3909	18	27	to	to	PART
fsr-3909	18	28	allocate	allocate	VERB
fsr-3909	18	29	their	their	PRON
fsr-3909	18	30	retirement	retirement	NOUN
fsr-3909	18	31	contributions	contribution	NOUN
fsr-3909	18	32	among	among	ADP
fsr-3909	18	33	a	a	DET
fsr-3909	18	34	limited	limited	ADJ
fsr-3909	18	35	number	number	NOUN
fsr-3909	18	36	of	of	ADP
fsr-3909	18	37	selections	selection	NOUN
fsr-3909	18	38	in	in	ADP
fsr-3909	18	39	various	various	ADJ
fsr-3909	18	40	asset	asset	NOUN
fsr-3909	18	41	categories	category	NOUN
fsr-3909	18	42	.	.	PUNCT
fsr-3909	19	1	participants	participant	NOUN
fsr-3909	19	2	in	in	ADP
fsr-3909	19	3	individual	individual	ADJ
fsr-3909	19	4	retirement	retirement	NOUN
fsr-3909	19	5	accounts	account	NOUN
fsr-3909	19	6	(	(	PUNCT
fsr-3909	19	7	ira	ira	PROPN
fsr-3909	19	8	)	)	PUNCT
fsr-3909	19	9	and	and	CCONJ
fsr-3909	19	10	keogh	keogh	PROPN
fsr-3909	19	11	plans	plan	NOUN
fsr-3909	19	12	have	have	VERB
fsr-3909	19	13	even	even	ADV
fsr-3909	19	14	more	more	ADJ
fsr-3909	19	15	freedom	freedom	NOUN
fsr-3909	19	16	in	in	ADP
fsr-3909	19	17	allocating	allocate	VERB
fsr-3909	19	18	their	their	PRON
fsr-3909	19	19	investments	investment	NOUN
fsr-3909	19	20	among	among	ADP
fsr-3909	19	21	a	a	DET
fsr-3909	19	22	nearly	nearly	ADV
fsr-3909	19	23	unlimited	unlimited	ADJ
fsr-3909	19	24	number	number	NOUN
fsr-3909	19	25	of	of	ADP
fsr-3909	19	26	financial	financial	ADJ
fsr-3909	19	27	asset	asset	NOUN
fsr-3909	19	28	choices	choice	NOUN
fsr-3909	19	29	.	.	PUNCT
fsr-3909	20	1	portfolio	portfolio	NOUN
fsr-3909	20	2	decisions	decision	NOUN
fsr-3909	20	3	of	of	ADP
fsr-3909	20	4	individual	individual	ADJ
fsr-3909	20	5	investors	investor	NOUN
fsr-3909	20	6	are	be	AUX
fsr-3909	20	7	also	also	ADV
fsr-3909	20	8	relevant	relevant	ADJ
fsr-3909	20	9	to	to	ADP
fsr-3909	20	10	the	the	DET
fsr-3909	20	11	current	current	ADJ
fsr-3909	20	12	debate	debate	NOUN
fsr-3909	20	13	regarding	regard	VERB
fsr-3909	20	14	proposed	propose	VERB
fsr-3909	20	15	reform	reform	NOUN
fsr-3909	20	16	of	of	ADP
fsr-3909	20	17	the	the	DET
fsr-3909	20	18	u.s	u.s	PROPN
fsr-3909	20	19	.	.	PROPN
fsr-3909	20	20	social	social	ADJ
fsr-3909	20	21	security	security	NOUN
fsr-3909	20	22	system	system	NOUN
fsr-3909	20	23	.	.	PUNCT
fsr-3909	21	1	one	one	NUM
fsr-3909	21	2	strategy	strategy	NOUN
fsr-3909	21	3	under	under	ADP
fsr-3909	21	4	consideration	consideration	NOUN
fsr-3909	21	5	would	would	AUX
fsr-3909	21	6	place	place	VERB
fsr-3909	21	7	a	a	DET
fsr-3909	21	8	portion	portion	NOUN
fsr-3909	21	9	of	of	ADP
fsr-3909	21	10	social	social	ADJ
fsr-3909	21	11	security	security	NOUN
fsr-3909	21	12	taxes	taxis	NOUN
fsr-3909	21	13	in	in	ADP
fsr-3909	21	14	self	self	NOUN
fsr-3909	21	15	-	-	PUNCT
fsr-3909	21	16	directed	direct	VERB
fsr-3909	21	17	individual	individual	ADJ
fsr-3909	21	18	retirement	retirement	NOUN
fsr-3909	21	19	accounts	account	NOUN
fsr-3909	21	20	(	(	PUNCT
fsr-3909	21	21	see	see	VERB
fsr-3909	21	22	olsen	olsen	PROPN
fsr-3909	21	23	&	&	CCONJ
fsr-3909	21	24	baylyff	baylyff	PROPN
fsr-3909	21	25	,	,	PUNCT
fsr-3909	21	26	1998	1998	NUM
fsr-3909	21	27	and	and	CCONJ
fsr-3909	21	28	georges	george	NOUN
fsr-3909	21	29	,	,	PUNCT
fsr-3909	21	30	1998a	1998a	NUM
fsr-3909	21	31	,	,	PUNCT
fsr-3909	21	32	1998b	1998b	NUM
fsr-3909	21	33	for	for	ADP
fsr-3909	21	34	discussions	discussion	NOUN
fsr-3909	21	35	of	of	ADP
fsr-3909	21	36	this	this	DET
fsr-3909	21	37	proposal	proposal	NOUN
fsr-3909	21	38	)	)	PUNCT
fsr-3909	21	39	.	.	PUNCT
fsr-3909	22	1	this	this	PRON
fsr-3909	22	2	would	would	AUX
fsr-3909	22	3	mean	mean	VERB
fsr-3909	22	4	that	that	SCONJ
fsr-3909	22	5	virtually	virtually	ADV
fsr-3909	22	6	all	all	DET
fsr-3909	22	7	wage	wage	NOUN
fsr-3909	22	8	earners	earner	NOUN
fsr-3909	22	9	would	would	AUX
fsr-3909	22	10	be	be	AUX
fsr-3909	22	11	involved	involve	VERB
fsr-3909	22	12	,	,	PUNCT
fsr-3909	22	13	to	to	ADP
fsr-3909	22	14	some	some	DET
fsr-3909	22	15	degree	degree	NOUN
fsr-3909	22	16	,	,	PUNCT
fsr-3909	22	17	in	in	ADP
fsr-3909	22	18	asset	asset	NOUN
fsr-3909	22	19	allocation	allocation	NOUN
fsr-3909	22	20	decisions	decision	NOUN
fsr-3909	22	21	.	.	PUNCT
fsr-3909	23	1	many	many	ADJ
fsr-3909	23	2	policy	policy	NOUN
fsr-3909	23	3	makers	maker	NOUN
fsr-3909	23	4	are	be	AUX
fsr-3909	23	5	concerned	concerned	ADJ
fsr-3909	23	6	that	that	SCONJ
fsr-3909	23	7	the	the	DET
fsr-3909	23	8	majority	majority	NOUN
fsr-3909	23	9	of	of	ADP
fsr-3909	23	10	u.s	u.s	PROPN
fsr-3909	23	11	.	.	PROPN
fsr-3909	23	12	citizens	citizen	NOUN
fsr-3909	23	13	are	be	AUX
fsr-3909	23	14	ill	ill	ADV
fsr-3909	23	15	-	-	PUNCT
fsr-3909	23	16	prepared	prepared	ADJ
fsr-3909	23	17	to	to	PART
fsr-3909	23	18	handle	handle	VERB
fsr-3909	23	19	this	this	DET
fsr-3909	23	20	responsibility	responsibility	NOUN
fsr-3909	23	21	.	.	PUNCT
fsr-3909	24	1	poor	poor	ADJ
fsr-3909	24	2	investment	investment	NOUN
fsr-3909	24	3	decision	decision	NOUN
fsr-3909	24	4	-	-	PUNCT
fsr-3909	24	5	making	making	NOUN
fsr-3909	24	6	by	by	ADP
fsr-3909	24	7	individuals	individual	NOUN
fsr-3909	24	8	in	in	ADP
fsr-3909	24	9	their	their	PRON
fsr-3909	24	10	retirement	retirement	NOUN
fsr-3909	24	11	accounts	account	NOUN
fsr-3909	24	12	could	could	AUX
fsr-3909	24	13	have	have	VERB
fsr-3909	24	14	a	a	DET
fsr-3909	24	15	detrimental	detrimental	ADJ
fsr-3909	24	16	impact	impact	NOUN
fsr-3909	24	17	on	on	ADP
fsr-3909	24	18	their	their	PRON
fsr-3909	24	19	future	future	ADJ
fsr-3909	24	20	income	income	NOUN
fsr-3909	24	21	(	(	PUNCT
fsr-3909	24	22	see	see	VERB
fsr-3909	24	23	kim	kim	PROPN
fsr-3909	24	24	&	&	CCONJ
fsr-3909	24	25	wong	wong	PROPN
fsr-3909	24	26	,	,	PUNCT
fsr-3909	24	27	1997	1997	NUM
fsr-3909	24	28	)	)	PUNCT
fsr-3909	24	29	.	.	PUNCT
fsr-3909	25	1	suboptimal	suboptimal	ADJ
fsr-3909	25	2	investment	investment	NOUN
fsr-3909	25	3	of	of	ADP
fsr-3909	25	4	these	these	DET
fsr-3909	25	5	funds	fund	NOUN
fsr-3909	25	6	would	would	AUX
fsr-3909	25	7	result	result	VERB
fsr-3909	25	8	in	in	ADP
fsr-3909	25	9	reduced	reduce	VERB
fsr-3909	25	10	wealth	wealth	NOUN
fsr-3909	25	11	for	for	ADP
fsr-3909	25	12	older	old	ADJ
fsr-3909	25	13	americans	americans	PROPN
fsr-3909	25	14	,	,	PUNCT
fsr-3909	25	15	a	a	DET
fsr-3909	25	16	group	group	NOUN
fsr-3909	25	17	that	that	PRON
fsr-3909	25	18	peterson	peterson	PROPN
fsr-3909	25	19	(	(	PUNCT
fsr-3909	25	20	1999	1999	NUM
fsr-3909	25	21	)	)	PUNCT
fsr-3909	25	22	says	say	VERB
fsr-3909	25	23	will	will	AUX
fsr-3909	25	24	grow	grow	VERB
fsr-3909	25	25	considerably	considerably	ADV
fsr-3909	25	26	over	over	ADP
fsr-3909	25	27	the	the	DET
fsr-3909	25	28	next	next	ADJ
fsr-3909	25	29	several	several	ADJ
fsr-3909	25	30	years	year	NOUN
fsr-3909	25	31	.	.	PUNCT
fsr-3909	26	1	therefore	therefore	ADV
fsr-3909	26	2	,	,	PUNCT
fsr-3909	26	3	it	it	PRON
fsr-3909	26	4	is	be	AUX
fsr-3909	26	5	essential	essential	ADJ
fsr-3909	26	6	to	to	PART
fsr-3909	26	7	develop	develop	VERB
fsr-3909	26	8	a	a	DET
fsr-3909	26	9	clear	clear	ADJ
fsr-3909	26	10	understanding	understanding	NOUN
fsr-3909	26	11	of	of	ADP
fsr-3909	26	12	individual	individual	ADJ
fsr-3909	26	13	investor	investor	NOUN
fsr-3909	26	14	decision	decision	NOUN
fsr-3909	26	15	-	-	PUNCT
fsr-3909	26	16	making	making	NOUN
fsr-3909	26	17	as	as	ADP
fsr-3909	26	18	a	a	DET
fsr-3909	26	19	potential	potential	ADJ
fsr-3909	26	20	guide	guide	NOUN
fsr-3909	26	21	for	for	ADP
fsr-3909	26	22	financial	financial	ADJ
fsr-3909	26	23	advisors	advisor	NOUN
fsr-3909	26	24	and	and	CCONJ
fsr-3909	26	25	policy	policy	NOUN
fsr-3909	26	26	makers	maker	NOUN
fsr-3909	26	27	.	.	PUNCT
fsr-3909	27	1	in	in	ADP
fsr-3909	27	2	this	this	DET
fsr-3909	27	3	paper	paper	NOUN
fsr-3909	27	4	,	,	PUNCT
fsr-3909	27	5	we	we	PRON
fsr-3909	27	6	study	study	VERB
fsr-3909	27	7	the	the	DET
fsr-3909	27	8	asset	asset	NOUN
fsr-3909	27	9	allocation	allocation	NOUN
fsr-3909	27	10	decisions	decision	NOUN
fsr-3909	27	11	of	of	ADP
fsr-3909	27	12	individuals	individual	NOUN
fsr-3909	27	13	in	in	ADP
fsr-3909	27	14	their	their	PRON
fsr-3909	27	15	retirement	retirement	NOUN
fsr-3909	27	16	accounts	account	NOUN
fsr-3909	27	17	and	and	CCONJ
fsr-3909	27	18	examine	examine	VERB
fsr-3909	27	19	some	some	PRON
fsr-3909	27	20	of	of	ADP
fsr-3909	27	21	the	the	DET
fsr-3909	27	22	factors	factor	NOUN
fsr-3909	27	23	affecting	affect	VERB
fsr-3909	27	24	those	those	DET
fsr-3909	27	25	decisions	decision	NOUN
fsr-3909	27	26	.	.	PUNCT
fsr-3909	28	1	our	our	PRON
fsr-3909	28	2	data	datum	NOUN
fsr-3909	28	3	are	be	AUX
fsr-3909	28	4	drawn	draw	VERB
fsr-3909	28	5	from	from	ADP
fsr-3909	28	6	the	the	DET
fsr-3909	28	7	macromonitor	macromonitor	NOUN
fsr-3909	28	8	survey	survey	NOUN
fsr-3909	28	9	conducted	conduct	VERB
fsr-3909	28	10	by	by	ADP
fsr-3909	28	11	the	the	DET
fsr-3909	28	12	stanford	stanford	PROPN
fsr-3909	28	13	research	research	PROPN
fsr-3909	28	14	institute	institute	PROPN
fsr-3909	28	15	(	(	PUNCT
fsr-3909	28	16	sri	sri	PROPN
fsr-3909	28	17	)	)	PUNCT
fsr-3909	28	18	.	.	PUNCT
fsr-3909	29	1	the	the	DET
fsr-3909	29	2	survey	survey	NOUN
fsr-3909	29	3	provides	provide	VERB
fsr-3909	29	4	self	self	NOUN
fsr-3909	29	5	-	-	PUNCT
fsr-3909	29	6	reported	report	VERB
fsr-3909	29	7	data	datum	NOUN
fsr-3909	29	8	from	from	ADP
fsr-3909	29	9	a	a	DET
fsr-3909	29	10	representative	representative	ADJ
fsr-3909	29	11	sample	sample	NOUN
fsr-3909	29	12	of	of	ADP
fsr-3909	29	13	over	over	ADP
fsr-3909	29	14	3,900	3,900	NUM
fsr-3909	29	15	american	american	ADJ
fsr-3909	29	16	consumers	consumer	NOUN
fsr-3909	29	17	.	.	PUNCT
fsr-3909	30	1	the	the	DET
fsr-3909	30	2	protocol	protocol	NOUN
fsr-3909	30	3	includes	include	VERB
fsr-3909	30	4	detailed	detailed	ADJ
fsr-3909	30	5	information	information	NOUN
fsr-3909	30	6	on	on	ADP
fsr-3909	30	7	respondents	respondent	NOUN
fsr-3909	30	8	’	’	PART
fsr-3909	30	9	portfolio	portfolio	NOUN
fsr-3909	30	10	positions	position	NOUN
fsr-3909	30	11	and	and	CCONJ
fsr-3909	30	12	a	a	DET
fsr-3909	30	13	broad	broad	ADJ
fsr-3909	30	14	range	range	NOUN
fsr-3909	30	15	of	of	ADP
fsr-3909	30	16	demographic	demographic	ADJ
fsr-3909	30	17	and	and	CCONJ
fsr-3909	30	18	psychographic	psychographic	ADJ
fsr-3909	30	19	information	information	NOUN
fsr-3909	30	20	.	.	PUNCT
fsr-3909	31	1	specifically	specifically	ADV
fsr-3909	31	2	,	,	PUNCT
fsr-3909	31	3	we	we	PRON
fsr-3909	31	4	look	look	VERB
fsr-3909	31	5	at	at	ADP
fsr-3909	31	6	how	how	SCONJ
fsr-3909	31	7	individuals	individual	NOUN
fsr-3909	31	8	allocate	allocate	VERB
fsr-3909	31	9	their	their	PRON
fsr-3909	31	10	personal	personal	ADJ
fsr-3909	31	11	ira	ira	PROPN
fsr-3909	31	12	and	and	CCONJ
fsr-3909	31	13	simplified	simplify	VERB
fsr-3909	31	14	employee	employee	NOUN
fsr-3909	31	15	pension	pension	NOUN
fsr-3909	31	16	plan	plan	NOUN
fsr-3909	31	17	(	(	PUNCT
fsr-3909	31	18	sep	sep	PROPN
fsr-3909	31	19	-	-	PUNCT
fsr-3909	31	20	ira	ira	PROPN
fsr-3909	31	21	)	)	PUNCT
fsr-3909	31	22	portfolios	portfolio	NOUN
fsr-3909	31	23	between	between	ADP
fsr-3909	31	24	cash	cash	NOUN
fsr-3909	31	25	,	,	PUNCT
fsr-3909	31	26	bonds	bond	NOUN
fsr-3909	31	27	,	,	PUNCT
fsr-3909	31	28	and	and	CCONJ
fsr-3909	31	29	equity	equity	NOUN
fsr-3909	31	30	.	.	PUNCT
fsr-3909	32	1	ira	ira	PROPN
fsr-3909	32	2	holdings	holding	NOUN
fsr-3909	32	3	may	may	AUX
fsr-3909	32	4	come	come	VERB
fsr-3909	32	5	from	from	ADP
fsr-3909	32	6	contributions	contribution	NOUN
fsr-3909	32	7	by	by	ADP
fsr-3909	32	8	the	the	DET
fsr-3909	32	9	individual	individual	NOUN
fsr-3909	32	10	or	or	CCONJ
fsr-3909	32	11	from	from	ADP
fsr-3909	32	12	rollovers	rollover	NOUN
fsr-3909	32	13	of	of	ADP
fsr-3909	32	14	employer	employer	NOUN
fsr-3909	32	15	-	-	PUNCT
fsr-3909	32	16	sponsored	sponsor	VERB
fsr-3909	32	17	401(k	401(k	NOUN
fsr-3909	32	18	)	)	PUNCT
fsr-3909	32	19	or	or	CCONJ
fsr-3909	32	20	403(b	403(b	PROPN
fsr-3909	32	21	)	)	PUNCT
fsr-3909	32	22	retirement	retirement	NOUN
fsr-3909	32	23	plans	plan	NOUN
fsr-3909	32	24	.	.	PUNCT
fsr-3909	33	1	sep	sep	PROPN
fsr-3909	33	2	-	-	PUNCT
fsr-3909	33	3	iras	ira	NOUN
fsr-3909	33	4	are	be	AUX
fsr-3909	33	5	geared	gear	VERB
fsr-3909	33	6	toward	toward	ADP
fsr-3909	33	7	small	small	ADJ
fsr-3909	33	8	business	business	NOUN
fsr-3909	33	9	owners	owner	NOUN
fsr-3909	33	10	with	with	ADP
fsr-3909	33	11	no	no	DET
fsr-3909	33	12	employees	employee	NOUN
fsr-3909	33	13	.	.	PUNCT
fsr-3909	34	1	both	both	PRON
fsr-3909	34	2	of	of	ADP
fsr-3909	34	3	these	these	DET
fsr-3909	34	4	plans	plan	NOUN
fsr-3909	34	5	allow	allow	VERB
fsr-3909	34	6	individuals	individual	NOUN
fsr-3909	34	7	discretionary	discretionary	ADJ
fsr-3909	34	8	control	control	NOUN
fsr-3909	34	9	over	over	ADP
fsr-3909	34	10	their	their	PRON
fsr-3909	34	11	investments	investment	NOUN
fsr-3909	34	12	.	.	PUNCT
fsr-3909	35	1	portfolio	portfolio	NOUN
fsr-3909	35	2	decisions	decision	NOUN
fsr-3909	35	3	within	within	ADP
fsr-3909	35	4	ira	ira	PROPN
fsr-3909	35	5	accounts	account	NOUN
fsr-3909	35	6	are	be	AUX
fsr-3909	35	7	unique	unique	ADJ
fsr-3909	35	8	in	in	ADP
fsr-3909	35	9	providing	provide	VERB
fsr-3909	35	10	investors	investor	NOUN
fsr-3909	35	11	with	with	ADP
fsr-3909	35	12	nearly	nearly	ADV
fsr-3909	35	13	complete	complete	ADJ
fsr-3909	35	14	discretionary	discretionary	ADJ
fsr-3909	35	15	control	control	NOUN
fsr-3909	35	16	over	over	ADP
fsr-3909	35	17	their	their	PRON
fsr-3909	35	18	funds	fund	NOUN
fsr-3909	35	19	with	with	ADP
fsr-3909	35	20	an	an	DET
fsr-3909	35	21	investment	investment	NOUN
fsr-3909	35	22	time	time	NOUN
fsr-3909	35	23	horizon	horizon	NOUN
fsr-3909	35	24	that	that	PRON
fsr-3909	35	25	is	be	AUX
fsr-3909	35	26	generally	generally	ADV
fsr-3909	35	27	known	know	VERB
fsr-3909	35	28	in	in	ADP
fsr-3909	35	29	advance	advance	NOUN
fsr-3909	35	30	.	.	PUNCT
fsr-3909	36	1	the	the	DET
fsr-3909	36	2	investment	investment	NOUN
fsr-3909	36	3	time	time	NOUN
fsr-3909	36	4	horizon	horizon	NOUN
fsr-3909	36	5	is	be	AUX
fsr-3909	36	6	an	an	DET
fsr-3909	36	7	important	important	ADJ
fsr-3909	36	8	factor	factor	NOUN
fsr-3909	36	9	in	in	ADP
fsr-3909	36	10	portfolio	portfolio	NOUN
fsr-3909	36	11	asset	asset	NOUN
fsr-3909	36	12	allocation	allocation	NOUN
fsr-3909	36	13	decisions	decision	NOUN
fsr-3909	36	14	.	.	PUNCT
fsr-3909	37	1	the	the	DET
fsr-3909	37	2	investments	investment	NOUN
fsr-3909	37	3	in	in	ADP
fsr-3909	37	4	these	these	DET
fsr-3909	37	5	plans	plan	NOUN
fsr-3909	37	6	are	be	AUX
fsr-3909	37	7	also	also	ADV
fsr-3909	37	8	unencumbered	unencumbered	ADJ
fsr-3909	37	9	by	by	ADP
fsr-3909	37	10	employer	employer	NOUN
fsr-3909	37	11	-	-	PUNCT
fsr-3909	37	12	imposed	impose	VERB
fsr-3909	37	13	choices	choice	NOUN
fsr-3909	37	14	and	and	CCONJ
fsr-3909	37	15	are	be	AUX
fsr-3909	37	16	made	make	VERB
fsr-3909	37	17	without	without	ADP
fsr-3909	37	18	an	an	DET
fsr-3909	37	19	employer	employer	NOUN
fsr-3909	37	20	’s	’s	PART
fsr-3909	37	21	guidance	guidance	NOUN
fsr-3909	37	22	.	.	PUNCT
fsr-3909	38	1	investors	investor	NOUN
fsr-3909	38	2	are	be	AUX
fsr-3909	38	3	saving	save	VERB
fsr-3909	38	4	for	for	ADP
fsr-3909	38	5	a	a	DET
fsr-3909	38	6	common	common	ADJ
fsr-3909	38	7	goal	goal	NOUN
fsr-3909	38	8	(	(	PUNCT
fsr-3909	38	9	retirement	retirement	NOUN
fsr-3909	38	10	)	)	PUNCT
fsr-3909	38	11	with	with	ADP
fsr-3909	38	12	a	a	DET
fsr-3909	38	13	definite	definite	ADJ
fsr-3909	38	14	time	time	NOUN
fsr-3909	38	15	horizon	horizon	NOUN
fsr-3909	38	16	,	,	PUNCT
fsr-3909	38	17	and	and	CCONJ
fsr-3909	38	18	there	there	PRON
fsr-3909	38	19	are	be	VERB
fsr-3909	38	20	severe	severe	ADJ
fsr-3909	38	21	penalties	penalty	NOUN
fsr-3909	38	22	for	for	ADP
fsr-3909	38	23	taking	take	VERB
fsr-3909	38	24	funds	fund	NOUN
fsr-3909	38	25	out	out	ADP
fsr-3909	38	26	of	of	ADP
fsr-3909	38	27	iras	ira	NOUN
fsr-3909	38	28	before	before	ADP
fsr-3909	38	29	reaching	reach	VERB
fsr-3909	38	30	retirement	retirement	NOUN
fsr-3909	38	31	age	age	NOUN
fsr-3909	38	32	.	.	PUNCT
fsr-3909	39	1	prior	prior	ADV
fsr-3909	39	2	to	to	ADP
fsr-3909	39	3	the	the	DET
fsr-3909	39	4	taxpayer	taxpayer	NOUN
fsr-3909	39	5	relief	relief	NOUN
fsr-3909	39	6	act	act	NOUN
fsr-3909	39	7	of	of	ADP
fsr-3909	39	8	1997	1997	NUM
fsr-3909	39	9	,	,	PUNCT
fsr-3909	39	10	funds	fund	NOUN
fsr-3909	39	11	withdrawn	withdraw	VERB
fsr-3909	39	12	from	from	ADP
fsr-3909	39	13	ira	ira	PROPN
fsr-3909	39	14	accounts	account	NOUN
fsr-3909	39	15	before	before	ADP
fsr-3909	39	16	retirement	retirement	NOUN
fsr-3909	39	17	,	,	PUNCT
fsr-3909	39	18	other	other	ADJ
fsr-3909	39	19	than	than	ADP
fsr-3909	39	20	for	for	ADP
fsr-3909	39	21	the	the	DET
fsr-3909	39	22	purchase	purchase	NOUN
fsr-3909	39	23	of	of	ADP
fsr-3909	39	24	a	a	DET
fsr-3909	39	25	first	first	ADJ
fsr-3909	39	26	home	home	NOUN
fsr-3909	39	27	,	,	PUNCT
fsr-3909	39	28	were	be	AUX
fsr-3909	39	29	subject	subject	ADJ
fsr-3909	39	30	to	to	ADP
fsr-3909	39	31	ordinary	ordinary	ADJ
fsr-3909	39	32	income	income	NOUN
fsr-3909	39	33	tax	tax	NOUN
fsr-3909	39	34	and	and	CCONJ
fsr-3909	39	35	a	a	DET
fsr-3909	39	36	10	10	NUM
fsr-3909	39	37	%	%	NOUN
fsr-3909	39	38	penalty	penalty	NOUN
fsr-3909	39	39	.	.	PUNCT
fsr-3909	40	1	the	the	DET
fsr-3909	40	2	number	number	NOUN
fsr-3909	40	3	of	of	ADP
fsr-3909	40	4	conditions	condition	NOUN
fsr-3909	40	5	under	under	ADP
fsr-3909	40	6	which	which	PRON
fsr-3909	40	7	the	the	DET
fsr-3909	40	8	10	10	NUM
fsr-3909	40	9	%	%	NOUN
fsr-3909	40	10	penalty	penalty	NOUN
fsr-3909	40	11	could	could	AUX
fsr-3909	40	12	be	be	AUX
fsr-3909	40	13	avoided	avoid	VERB
fsr-3909	40	14	was	be	AUX
fsr-3909	40	15	increased	increase	VERB
fsr-3909	40	16	considerably	considerably	ADV
fsr-3909	40	17	in	in	ADP
fsr-3909	40	18	1997	1997	NUM
fsr-3909	40	19	.	.	PUNCT
fsr-3909	41	1	the	the	DET
fsr-3909	41	2	remainder	remainder	NOUN
fsr-3909	41	3	of	of	ADP
fsr-3909	41	4	the	the	DET
fsr-3909	41	5	paper	paper	NOUN
fsr-3909	41	6	is	be	AUX
fsr-3909	41	7	organized	organize	VERB
fsr-3909	41	8	as	as	SCONJ
fsr-3909	41	9	follows	follow	VERB
fsr-3909	41	10	:	:	PUNCT
fsr-3909	41	11	first	first	ADV
fsr-3909	41	12	we	we	PRON
fsr-3909	41	13	discuss	discuss	VERB
fsr-3909	41	14	considerations	consideration	NOUN
fsr-3909	41	15	associated	associate	VERB
fsr-3909	41	16	with	with	ADP
fsr-3909	41	17	the	the	DET
fsr-3909	41	18	asset	asset	NOUN
fsr-3909	41	19	allocation	allocation	NOUN
fsr-3909	41	20	decisions	decision	NOUN
fsr-3909	41	21	of	of	ADP
fsr-3909	41	22	individual	individual	ADJ
fsr-3909	41	23	investors	investor	NOUN
fsr-3909	41	24	.	.	PUNCT
fsr-3909	42	1	next	next	ADV
fsr-3909	42	2	,	,	PUNCT
fsr-3909	42	3	we	we	PRON
fsr-3909	42	4	describe	describe	VERB
fsr-3909	42	5	the	the	DET
fsr-3909	42	6	80	80	NUM
fsr-3909	42	7	d.	d.	NOUN
fsr-3909	42	8	waggle	waggle	NOUN
fsr-3909	42	9	,	,	PUNCT
fsr-3909	42	10	b.	b.	PROPN
fsr-3909	42	11	englis	englis	PROPN
fsr-3909	42	12	/	/	SYM
fsr-3909	42	13	financial	financial	ADJ
fsr-3909	42	14	services	service	NOUN
fsr-3909	42	15	review	review	VERB
fsr-3909	42	16	9	9	NUM
fsr-3909	42	17	(	(	PUNCT
fsr-3909	42	18	2000	2000	NUM
fsr-3909	42	19	)	)	PUNCT
fsr-3909	42	20	79–92	79–92	NUM
fsr-3909	42	21	stanford	stanford	PROPN
fsr-3909	42	22	research	research	PROPN
fsr-3909	42	23	institute	institute	PROPN
fsr-3909	42	24	survey	survey	NOUN
fsr-3909	42	25	from	from	ADP
fsr-3909	42	26	which	which	PRON
fsr-3909	42	27	our	our	PRON
fsr-3909	42	28	data	datum	NOUN
fsr-3909	42	29	are	be	AUX
fsr-3909	42	30	drawn	draw	VERB
fsr-3909	42	31	.	.	PUNCT
fsr-3909	43	1	in	in	ADP
fsr-3909	43	2	the	the	DET
fsr-3909	43	3	third	third	ADJ
fsr-3909	43	4	section	section	NOUN
fsr-3909	43	5	we	we	PRON
fsr-3909	43	6	discuss	discuss	VERB
fsr-3909	43	7	our	our	PRON
fsr-3909	43	8	empirical	empirical	ADJ
fsr-3909	43	9	results	result	NOUN
fsr-3909	43	10	,	,	PUNCT
fsr-3909	43	11	and	and	CCONJ
fsr-3909	43	12	in	in	ADP
fsr-3909	43	13	the	the	DET
fsr-3909	43	14	final	final	ADJ
fsr-3909	43	15	section	section	NOUN
fsr-3909	43	16	we	we	PRON
fsr-3909	43	17	present	present	VERB
fsr-3909	43	18	our	our	PRON
fsr-3909	43	19	conclusions	conclusion	NOUN
fsr-3909	43	20	.	.	PUNCT
fsr-3909	44	1	2	2	X
fsr-3909	44	2	.	.	X
fsr-3909	44	3	asset	asset	NOUN
fsr-3909	44	4	allocation	allocation	NOUN
fsr-3909	44	5	decisions	decision	NOUN
fsr-3909	44	6	of	of	ADP
fsr-3909	44	7	individual	individual	ADJ
fsr-3909	44	8	investors	investor	NOUN
fsr-3909	44	9	there	there	PRON
fsr-3909	44	10	are	be	VERB
fsr-3909	44	11	several	several	ADJ
fsr-3909	44	12	key	key	ADJ
fsr-3909	44	13	factors	factor	NOUN
fsr-3909	44	14	that	that	PRON
fsr-3909	44	15	generally	generally	ADV
fsr-3909	44	16	influence	influence	VERB
fsr-3909	44	17	investor	investor	NOUN
fsr-3909	44	18	asset	asset	NOUN
fsr-3909	44	19	allocation	allocation	NOUN
fsr-3909	44	20	decisions	decision	NOUN
fsr-3909	44	21	.	.	PUNCT
fsr-3909	45	1	a	a	DET
fsr-3909	45	2	primary	primary	ADJ
fsr-3909	45	3	decision	decision	NOUN
fsr-3909	45	4	-	-	PUNCT
fsr-3909	45	5	making	make	VERB
fsr-3909	45	6	factor	factor	NOUN
fsr-3909	45	7	is	be	AUX
fsr-3909	45	8	the	the	DET
fsr-3909	45	9	expected	expect	VERB
fsr-3909	45	10	investment	investment	NOUN
fsr-3909	45	11	time	time	NOUN
fsr-3909	45	12	horizon	horizon	NOUN
fsr-3909	45	13	which	which	PRON
fsr-3909	45	14	,	,	PUNCT
fsr-3909	45	15	in	in	ADP
fsr-3909	45	16	the	the	DET
fsr-3909	45	17	case	case	NOUN
fsr-3909	45	18	of	of	ADP
fsr-3909	45	19	iras	ira	NOUN
fsr-3909	45	20	,	,	PUNCT
fsr-3909	45	21	is	be	AUX
fsr-3909	45	22	the	the	DET
fsr-3909	45	23	expected	expect	VERB
fsr-3909	45	24	length	length	NOUN
fsr-3909	45	25	of	of	ADP
fsr-3909	45	26	time	time	NOUN
fsr-3909	45	27	until	until	ADP
fsr-3909	45	28	retirement	retirement	NOUN
fsr-3909	45	29	and	and	CCONJ
fsr-3909	45	30	the	the	DET
fsr-3909	45	31	initial	initial	ADJ
fsr-3909	45	32	withdrawal	withdrawal	NOUN
fsr-3909	45	33	of	of	ADP
fsr-3909	45	34	funds	fund	NOUN
fsr-3909	45	35	.	.	PUNCT
fsr-3909	46	1	while	while	SCONJ
fsr-3909	46	2	individuals	individual	NOUN
fsr-3909	46	3	may	may	AUX
fsr-3909	46	4	begin	begin	VERB
fsr-3909	46	5	withdrawing	withdraw	VERB
fsr-3909	46	6	funds	fund	NOUN
fsr-3909	46	7	at	at	ADP
fsr-3909	46	8	retirement	retirement	NOUN
fsr-3909	46	9	,	,	PUNCT
fsr-3909	46	10	they	they	PRON
fsr-3909	46	11	will	will	AUX
fsr-3909	46	12	likely	likely	ADV
fsr-3909	46	13	plan	plan	VERB
fsr-3909	46	14	on	on	ADP
fsr-3909	46	15	receiving	receive	VERB
fsr-3909	46	16	income	income	NOUN
fsr-3909	46	17	from	from	ADP
fsr-3909	46	18	their	their	PRON
fsr-3909	46	19	accounts	account	NOUN
fsr-3909	46	20	over	over	ADP
fsr-3909	46	21	the	the	DET
fsr-3909	46	22	remainder	remainder	NOUN
fsr-3909	46	23	of	of	ADP
fsr-3909	46	24	their	their	PRON
fsr-3909	46	25	lives	life	NOUN
fsr-3909	46	26	.	.	PUNCT
fsr-3909	47	1	the	the	DET
fsr-3909	47	2	proxy	proxy	NOUN
fsr-3909	47	3	for	for	ADP
fsr-3909	47	4	the	the	DET
fsr-3909	47	5	beginning	beginning	NOUN
fsr-3909	47	6	of	of	ADP
fsr-3909	47	7	retirement	retirement	NOUN
fsr-3909	47	8	is	be	AUX
fsr-3909	47	9	typically	typically	ADV
fsr-3909	47	10	the	the	DET
fsr-3909	47	11	individual	individual	NOUN
fsr-3909	47	12	’s	’s	PART
fsr-3909	47	13	age	age	NOUN
fsr-3909	47	14	.	.	PUNCT
fsr-3909	48	1	the	the	DET
fsr-3909	48	2	younger	young	ADJ
fsr-3909	48	3	the	the	DET
fsr-3909	48	4	individual	individual	NOUN
fsr-3909	48	5	is	be	AUX
fsr-3909	48	6	,	,	PUNCT
fsr-3909	48	7	the	the	PRON
fsr-3909	48	8	longer	long	ADV
fsr-3909	48	9	the	the	DET
fsr-3909	48	10	expected	expect	VERB
fsr-3909	48	11	time	time	NOUN
fsr-3909	48	12	until	until	ADP
fsr-3909	48	13	retirement	retirement	NOUN
fsr-3909	48	14	.	.	PUNCT
fsr-3909	49	1	there	there	PRON
fsr-3909	49	2	are	be	VERB
fsr-3909	49	3	numerous	numerous	ADJ
fsr-3909	49	4	articles	article	NOUN
fsr-3909	49	5	addressing	address	VERB
fsr-3909	49	6	the	the	DET
fsr-3909	49	7	issue	issue	NOUN
fsr-3909	49	8	of	of	ADP
fsr-3909	49	9	how	how	SCONJ
fsr-3909	49	10	investor	investor	NOUN
fsr-3909	49	11	asset	asset	NOUN
fsr-3909	49	12	allocation	allocation	NOUN
fsr-3909	49	13	decisions	decision	NOUN
fsr-3909	49	14	are	be	AUX
fsr-3909	49	15	affected	affect	VERB
fsr-3909	49	16	by	by	ADP
fsr-3909	49	17	changes	change	NOUN
fsr-3909	49	18	in	in	ADP
fsr-3909	49	19	investment	investment	NOUN
fsr-3909	49	20	horizon	horizon	NOUN
fsr-3909	49	21	timelines	timeline	NOUN
fsr-3909	49	22	.	.	PUNCT
fsr-3909	50	1	early	early	ADJ
fsr-3909	50	2	work	work	NOUN
fsr-3909	50	3	by	by	ADP
fsr-3909	50	4	samuelson	samuelson	PROPN
fsr-3909	50	5	(	(	PUNCT
fsr-3909	50	6	1969	1969	NUM
fsr-3909	50	7	)	)	PUNCT
fsr-3909	50	8	argues	argue	VERB
fsr-3909	50	9	that	that	SCONJ
fsr-3909	50	10	portfolio	portfolio	NOUN
fsr-3909	50	11	allocation	allocation	NOUN
fsr-3909	50	12	is	be	AUX
fsr-3909	50	13	independent	independent	ADJ
fsr-3909	50	14	of	of	ADP
fsr-3909	50	15	the	the	DET
fsr-3909	50	16	time	time	NOUN
fsr-3909	50	17	horizon	horizon	NOUN
fsr-3909	50	18	.	.	PUNCT
fsr-3909	51	1	later	later	ADV
fsr-3909	51	2	works	work	VERB
fsr-3909	51	3	by	by	ADP
fsr-3909	51	4	samuelson	samuelson	PROPN
fsr-3909	51	5	(	(	PUNCT
fsr-3909	51	6	1989	1989	NUM
fsr-3909	51	7	,	,	PUNCT
fsr-3909	51	8	1990	1990	NUM
fsr-3909	51	9	,	,	PUNCT
fsr-3909	51	10	1994	1994	NUM
fsr-3909	51	11	)	)	PUNCT
fsr-3909	51	12	and	and	CCONJ
fsr-3909	51	13	kritzman	kritzman	NOUN
fsr-3909	51	14	(	(	PUNCT
fsr-3909	51	15	1994	1994	NUM
fsr-3909	51	16	)	)	PUNCT
fsr-3909	51	17	use	use	VERB
fsr-3909	51	18	the	the	DET
fsr-3909	51	19	assumption	assumption	NOUN
fsr-3909	51	20	of	of	ADP
fsr-3909	51	21	constant	constant	ADJ
fsr-3909	51	22	relative	relative	ADJ
fsr-3909	51	23	risk	risk	NOUN
fsr-3909	51	24	aversion	aversion	NOUN
fsr-3909	51	25	to	to	PART
fsr-3909	51	26	support	support	VERB
fsr-3909	51	27	the	the	DET
fsr-3909	51	28	initial	initial	ADJ
fsr-3909	51	29	argument	argument	NOUN
fsr-3909	51	30	that	that	SCONJ
fsr-3909	51	31	investors	investor	NOUN
fsr-3909	51	32	should	should	AUX
fsr-3909	51	33	prefer	prefer	VERB
fsr-3909	51	34	the	the	DET
fsr-3909	51	35	same	same	ADJ
fsr-3909	51	36	mix	mix	NOUN
fsr-3909	51	37	of	of	ADP
fsr-3909	51	38	assets	asset	NOUN
fsr-3909	51	39	regardless	regardless	ADV
fsr-3909	51	40	of	of	ADP
fsr-3909	51	41	the	the	DET
fsr-3909	51	42	time	time	NOUN
fsr-3909	51	43	horizon	horizon	NOUN
fsr-3909	51	44	.	.	PUNCT
fsr-3909	52	1	olsen	olsen	NOUN
fsr-3909	52	2	and	and	CCONJ
fsr-3909	52	3	khaki	khaki	PROPN
fsr-3909	52	4	(	(	PUNCT
fsr-3909	52	5	1998	1998	NUM
fsr-3909	52	6	)	)	PUNCT
fsr-3909	52	7	and	and	CCONJ
fsr-3909	52	8	bierman	bierman	PROPN
fsr-3909	52	9	(	(	PUNCT
fsr-3909	52	10	1998	1998	NUM
fsr-3909	52	11	)	)	PUNCT
fsr-3909	52	12	argue	argue	VERB
fsr-3909	52	13	that	that	SCONJ
fsr-3909	52	14	utility	utility	NOUN
fsr-3909	52	15	theory	theory	NOUN
fsr-3909	52	16	can	can	AUX
fsr-3909	52	17	support	support	VERB
fsr-3909	52	18	either	either	CCONJ
fsr-3909	52	19	increasing	increase	VERB
fsr-3909	52	20	or	or	CCONJ
fsr-3909	52	21	decreasing	decrease	VERB
fsr-3909	52	22	equity	equity	NOUN
fsr-3909	52	23	allocations	allocation	NOUN
fsr-3909	52	24	with	with	ADP
fsr-3909	52	25	changes	change	NOUN
fsr-3909	52	26	in	in	ADP
fsr-3909	52	27	the	the	DET
fsr-3909	52	28	investment	investment	NOUN
fsr-3909	52	29	horizon	horizon	NOUN
fsr-3909	52	30	.	.	PUNCT
fsr-3909	53	1	butler	butler	NOUN
fsr-3909	53	2	and	and	CCONJ
fsr-3909	53	3	domian	domian	PROPN
fsr-3909	53	4	(	(	PUNCT
fsr-3909	53	5	1991	1991	NUM
fsr-3909	53	6	)	)	PUNCT
fsr-3909	53	7	,	,	PUNCT
fsr-3909	53	8	thaler	thaler	NOUN
fsr-3909	53	9	and	and	CCONJ
fsr-3909	53	10	williamson	williamson	PROPN
fsr-3909	53	11	(	(	PUNCT
fsr-3909	53	12	1994	1994	NUM
fsr-3909	53	13	)	)	PUNCT
fsr-3909	53	14	,	,	PUNCT
fsr-3909	53	15	thorley	thorley	PROPN
fsr-3909	53	16	(	(	PUNCT
fsr-3909	53	17	1995	1995	NUM
fsr-3909	53	18	)	)	PUNCT
fsr-3909	53	19	,	,	PUNCT
fsr-3909	53	20	and	and	CCONJ
fsr-3909	53	21	bierman	bierman	NOUN
fsr-3909	53	22	(	(	PUNCT
fsr-3909	53	23	1997	1997	NUM
fsr-3909	53	24	)	)	PUNCT
fsr-3909	53	25	analyze	analyze	VERB
fsr-3909	53	26	historical	historical	ADJ
fsr-3909	53	27	data	datum	NOUN
fsr-3909	53	28	on	on	ADP
fsr-3909	53	29	returns	return	NOUN
fsr-3909	53	30	of	of	ADP
fsr-3909	53	31	asset	asset	NOUN
fsr-3909	53	32	classes	class	NOUN
fsr-3909	53	33	and	and	CCONJ
fsr-3909	53	34	find	find	VERB
fsr-3909	53	35	that	that	SCONJ
fsr-3909	53	36	as	as	SCONJ
fsr-3909	53	37	the	the	DET
fsr-3909	53	38	investment	investment	NOUN
fsr-3909	53	39	horizon	horizon	NOUN
fsr-3909	53	40	lengthens	lengthen	VERB
fsr-3909	53	41	,	,	PUNCT
fsr-3909	53	42	investors	investor	NOUN
fsr-3909	53	43	should	should	AUX
fsr-3909	53	44	allocate	allocate	VERB
fsr-3909	53	45	higher	high	ADJ
fsr-3909	53	46	levels	level	NOUN
fsr-3909	53	47	of	of	ADP
fsr-3909	53	48	equity	equity	NOUN
fsr-3909	53	49	to	to	ADP
fsr-3909	53	50	their	their	PRON
fsr-3909	53	51	portfolios	portfolio	NOUN
fsr-3909	53	52	.	.	PUNCT
fsr-3909	54	1	these	these	DET
fsr-3909	54	2	findings	finding	NOUN
fsr-3909	54	3	are	be	AUX
fsr-3909	54	4	consistent	consistent	ADJ
fsr-3909	54	5	with	with	ADP
fsr-3909	54	6	practitioner	practitioner	NOUN
fsr-3909	54	7	advice	advice	NOUN
fsr-3909	54	8	(	(	PUNCT
fsr-3909	54	9	such	such	ADJ
fsr-3909	54	10	as	as	ADP
fsr-3909	54	11	that	that	PRON
fsr-3909	54	12	offered	offer	VERB
fsr-3909	54	13	by	by	ADP
fsr-3909	54	14	bogle	bogle	PROPN
fsr-3909	54	15	,	,	PUNCT
fsr-3909	54	16	1994	1994	NUM
fsr-3909	54	17	)	)	PUNCT
fsr-3909	54	18	and	and	CCONJ
fsr-3909	54	19	the	the	DET
fsr-3909	54	20	oft	oft	ADV
fsr-3909	54	21	-	-	PUNCT
fsr-3909	54	22	cited	cite	VERB
fsr-3909	54	23	rule	rule	NOUN
fsr-3909	54	24	of	of	ADP
fsr-3909	54	25	allocating	allocate	VERB
fsr-3909	54	26	100	100	NUM
fsr-3909	54	27	minus	minus	ADP
fsr-3909	54	28	the	the	DET
fsr-3909	54	29	individual	individual	NOUN
fsr-3909	54	30	’s	’s	PART
fsr-3909	54	31	age	age	NOUN
fsr-3909	54	32	to	to	ADP
fsr-3909	54	33	equity	equity	NOUN
fsr-3909	54	34	.	.	PUNCT
fsr-3909	55	1	thus	thus	ADV
fsr-3909	55	2	,	,	PUNCT
fsr-3909	55	3	a	a	DET
fsr-3909	55	4	30	30	NUM
fsr-3909	55	5	-	-	PUNCT
fsr-3909	55	6	year	year	NOUN
fsr-3909	55	7	-	-	PUNCT
fsr-3909	55	8	old	old	ADJ
fsr-3909	55	9	individual	individual	NOUN
fsr-3909	55	10	would	would	AUX
fsr-3909	55	11	have	have	VERB
fsr-3909	55	12	a	a	DET
fsr-3909	55	13	70	70	NUM
fsr-3909	55	14	%	%	NOUN
fsr-3909	55	15	equity	equity	NOUN
fsr-3909	55	16	investment	investment	NOUN
fsr-3909	55	17	,	,	PUNCT
fsr-3909	55	18	and	and	CCONJ
fsr-3909	55	19	a	a	DET
fsr-3909	55	20	65	65	NUM
fsr-3909	55	21	-	-	PUNCT
fsr-3909	55	22	year	year	NOUN
fsr-3909	55	23	-	-	PUNCT
fsr-3909	55	24	old	old	ADJ
fsr-3909	55	25	individual	individual	NOUN
fsr-3909	55	26	would	would	AUX
fsr-3909	55	27	have	have	VERB
fsr-3909	55	28	only	only	ADV
fsr-3909	55	29	35	35	NUM
fsr-3909	55	30	%	%	NOUN
fsr-3909	55	31	equity	equity	NOUN
fsr-3909	55	32	.	.	PUNCT
fsr-3909	56	1	bodie	bodie	PROPN
fsr-3909	56	2	and	and	CCONJ
fsr-3909	56	3	crane	crane	NOUN
fsr-3909	56	4	(	(	PUNCT
fsr-3909	56	5	1997	1997	NUM
fsr-3909	56	6	)	)	PUNCT
fsr-3909	56	7	examine	examine	VERB
fsr-3909	56	8	a	a	DET
fsr-3909	56	9	survey	survey	NOUN
fsr-3909	56	10	of	of	ADP
fsr-3909	56	11	tiaa	tiaa	ADJ
fsr-3909	56	12	-	-	PUNCT
fsr-3909	56	13	cref	cref	NOUN
fsr-3909	56	14	participants	participant	NOUN
fsr-3909	56	15	and	and	CCONJ
fsr-3909	56	16	find	find	VERB
fsr-3909	56	17	actual	actual	ADJ
fsr-3909	56	18	investment	investment	NOUN
fsr-3909	56	19	behavior	behavior	NOUN
fsr-3909	56	20	consistent	consistent	ADJ
fsr-3909	56	21	with	with	ADP
fsr-3909	56	22	this	this	DET
fsr-3909	56	23	advice	advice	NOUN
fsr-3909	56	24	.	.	PUNCT
fsr-3909	57	1	levy	levy	NOUN
fsr-3909	57	2	and	and	CCONJ
fsr-3909	57	3	gunthorpe	gunthorpe	PROPN
fsr-3909	57	4	(	(	PUNCT
fsr-3909	57	5	1993	1993	NUM
fsr-3909	57	6	)	)	PUNCT
fsr-3909	57	7	and	and	CCONJ
fsr-3909	57	8	hodges	hodges	PROPN
fsr-3909	57	9	,	,	PUNCT
fsr-3909	57	10	taylor	taylor	PROPN
fsr-3909	57	11	,	,	PUNCT
fsr-3909	57	12	and	and	CCONJ
fsr-3909	57	13	yoder	yoder	PROPN
fsr-3909	57	14	(	(	PUNCT
fsr-3909	57	15	1997	1997	NUM
fsr-3909	57	16	)	)	PUNCT
fsr-3909	57	17	,	,	PUNCT
fsr-3909	57	18	on	on	ADP
fsr-3909	57	19	the	the	DET
fsr-3909	57	20	other	other	ADJ
fsr-3909	57	21	hand	hand	NOUN
fsr-3909	57	22	,	,	PUNCT
fsr-3909	57	23	use	use	VERB
fsr-3909	57	24	multiperiod	multiperiod	NOUN
fsr-3909	57	25	models	model	NOUN
fsr-3909	57	26	employing	employ	VERB
fsr-3909	57	27	mean	mean	ADJ
fsr-3909	57	28	-	-	PUNCT
fsr-3909	57	29	variance	variance	NOUN
fsr-3909	57	30	analysis	analysis	NOUN
fsr-3909	57	31	and	and	CCONJ
fsr-3909	57	32	sharpe	sharpe	NOUN
fsr-3909	57	33	’s	’s	PART
fsr-3909	57	34	(	(	PUNCT
fsr-3909	57	35	1994	1994	NUM
fsr-3909	57	36	)	)	PUNCT
fsr-3909	57	37	ratios	ratio	NOUN
fsr-3909	57	38	,	,	PUNCT
fsr-3909	57	39	respectively	respectively	ADV
fsr-3909	57	40	,	,	PUNCT
fsr-3909	57	41	and	and	CCONJ
fsr-3909	57	42	conclude	conclude	VERB
fsr-3909	57	43	that	that	SCONJ
fsr-3909	57	44	investors	investor	NOUN
fsr-3909	57	45	should	should	AUX
fsr-3909	57	46	allocate	allocate	VERB
fsr-3909	57	47	less	less	ADJ
fsr-3909	57	48	to	to	ADP
fsr-3909	57	49	equity	equity	NOUN
fsr-3909	57	50	as	as	SCONJ
fsr-3909	57	51	the	the	DET
fsr-3909	57	52	investment	investment	NOUN
fsr-3909	57	53	horizon	horizon	NOUN
fsr-3909	57	54	lengthens	lengthen	VERB
fsr-3909	57	55	.	.	PUNCT
fsr-3909	58	1	bodie	bodie	PROPN
fsr-3909	58	2	,	,	PUNCT
fsr-3909	58	3	merton	merton	PROPN
fsr-3909	58	4	,	,	PUNCT
fsr-3909	58	5	and	and	CCONJ
fsr-3909	58	6	samuelson	samuelson	PROPN
fsr-3909	58	7	(	(	PUNCT
fsr-3909	58	8	1992	1992	NUM
fsr-3909	58	9	)	)	PUNCT
fsr-3909	58	10	add	add	VERB
fsr-3909	58	11	an	an	DET
fsr-3909	58	12	individual	individual	NOUN
fsr-3909	58	13	’s	’s	PART
fsr-3909	58	14	labor	labor	NOUN
fsr-3909	58	15	supply	supply	NOUN
fsr-3909	58	16	to	to	ADP
fsr-3909	58	17	the	the	DET
fsr-3909	58	18	analysis	analysis	NOUN
fsr-3909	58	19	and	and	CCONJ
fsr-3909	58	20	end	end	VERB
fsr-3909	58	21	up	up	ADP
fsr-3909	58	22	supporting	support	VERB
fsr-3909	58	23	the	the	DET
fsr-3909	58	24	practitioner	practitioner	NOUN
fsr-3909	58	25	view	view	NOUN
fsr-3909	58	26	.	.	PUNCT
fsr-3909	59	1	young	young	ADJ
fsr-3909	59	2	individuals	individual	NOUN
fsr-3909	59	3	,	,	PUNCT
fsr-3909	59	4	with	with	ADP
fsr-3909	59	5	most	most	ADJ
fsr-3909	59	6	of	of	ADP
fsr-3909	59	7	their	their	PRON
fsr-3909	59	8	working	work	VERB
fsr-3909	59	9	careers	career	NOUN
fsr-3909	59	10	in	in	ADP
fsr-3909	59	11	front	front	NOUN
fsr-3909	59	12	of	of	ADP
fsr-3909	59	13	them	they	PRON
fsr-3909	59	14	,	,	PUNCT
fsr-3909	59	15	should	should	AUX
fsr-3909	59	16	be	be	AUX
fsr-3909	59	17	more	more	ADV
fsr-3909	59	18	willing	willing	ADJ
fsr-3909	59	19	to	to	PART
fsr-3909	59	20	take	take	VERB
fsr-3909	59	21	on	on	ADP
fsr-3909	59	22	risky	risky	ADJ
fsr-3909	59	23	investments	investment	NOUN
fsr-3909	59	24	and	and	CCONJ
fsr-3909	59	25	,	,	PUNCT
fsr-3909	59	26	thus	thus	ADV
fsr-3909	59	27	,	,	PUNCT
fsr-3909	59	28	should	should	AUX
fsr-3909	59	29	allocate	allocate	VERB
fsr-3909	59	30	higher	high	ADJ
fsr-3909	59	31	levels	level	NOUN
fsr-3909	59	32	to	to	ADP
fsr-3909	59	33	equity	equity	NOUN
fsr-3909	59	34	.	.	PUNCT
fsr-3909	60	1	an	an	DET
fsr-3909	60	2	individual	individual	NOUN
fsr-3909	60	3	’s	’s	PART
fsr-3909	60	4	labor	labor	NOUN
fsr-3909	60	5	supply	supply	NOUN
fsr-3909	60	6	is	be	AUX
fsr-3909	60	7	relatively	relatively	ADV
fsr-3909	60	8	safe	safe	ADJ
fsr-3909	60	9	and	and	CCONJ
fsr-3909	60	10	the	the	DET
fsr-3909	60	11	younger	young	ADJ
fsr-3909	60	12	he	he	PRON
fsr-3909	60	13	/	/	PUNCT
fsr-3909	61	1	she	she	PRON
fsr-3909	61	2	is	be	AUX
fsr-3909	61	3	the	the	DET
fsr-3909	61	4	larger	large	ADJ
fsr-3909	61	5	the	the	DET
fsr-3909	61	6	future	future	ADJ
fsr-3909	61	7	working	working	NOUN
fsr-3909	61	8	capacity	capacity	NOUN
fsr-3909	61	9	.	.	PUNCT
fsr-3909	62	1	if	if	SCONJ
fsr-3909	62	2	risky	risky	ADJ
fsr-3909	62	3	equity	equity	NOUN
fsr-3909	62	4	investments	investment	NOUN
fsr-3909	62	5	take	take	VERB
fsr-3909	62	6	an	an	DET
fsr-3909	62	7	unfavorable	unfavorable	ADJ
fsr-3909	62	8	turn	turn	NOUN
fsr-3909	62	9	,	,	PUNCT
fsr-3909	62	10	younger	young	ADJ
fsr-3909	62	11	individuals	individual	NOUN
fsr-3909	62	12	have	have	VERB
fsr-3909	62	13	sufficient	sufficient	ADJ
fsr-3909	62	14	working	working	NOUN
fsr-3909	62	15	time	time	NOUN
fsr-3909	62	16	to	to	PART
fsr-3909	62	17	make	make	VERB
fsr-3909	62	18	up	up	ADP
fsr-3909	62	19	the	the	DET
fsr-3909	62	20	deficit	deficit	NOUN
fsr-3909	62	21	,	,	PUNCT
fsr-3909	62	22	while	while	SCONJ
fsr-3909	62	23	older	old	ADJ
fsr-3909	62	24	individuals	individual	NOUN
fsr-3909	62	25	nearing	near	VERB
fsr-3909	62	26	retirement	retirement	NOUN
fsr-3909	62	27	have	have	VERB
fsr-3909	62	28	a	a	DET
fsr-3909	62	29	much	much	ADV
fsr-3909	62	30	lower	low	ADJ
fsr-3909	62	31	labor	labor	NOUN
fsr-3909	62	32	supply	supply	NOUN
fsr-3909	62	33	with	with	ADP
fsr-3909	62	34	which	which	PRON
fsr-3909	62	35	to	to	PART
fsr-3909	62	36	recoup	recoup	VERB
fsr-3909	62	37	losses	loss	NOUN
fsr-3909	62	38	.	.	PUNCT
fsr-3909	63	1	to	to	PART
fsr-3909	63	2	compensate	compensate	VERB
fsr-3909	63	3	for	for	ADP
fsr-3909	63	4	this	this	PRON
fsr-3909	63	5	,	,	PUNCT
fsr-3909	63	6	older	old	ADJ
fsr-3909	63	7	individuals	individual	NOUN
fsr-3909	63	8	should	should	AUX
fsr-3909	63	9	allocate	allocate	VERB
fsr-3909	63	10	less	less	ADJ
fsr-3909	63	11	to	to	ADP
fsr-3909	63	12	risky	risky	ADJ
fsr-3909	63	13	equity	equity	NOUN
fsr-3909	63	14	.	.	PUNCT
fsr-3909	64	1	overall	overall	ADJ
fsr-3909	64	2	wealth	wealth	NOUN
fsr-3909	64	3	should	should	AUX
fsr-3909	64	4	influence	influence	VERB
fsr-3909	64	5	this	this	DET
fsr-3909	64	6	age	age	NOUN
fsr-3909	64	7	-	-	PUNCT
fsr-3909	64	8	related	relate	VERB
fsr-3909	64	9	risk	risk	NOUN
fsr-3909	64	10	sensitivity	sensitivity	NOUN
fsr-3909	64	11	as	as	ADV
fsr-3909	64	12	well	well	ADV
fsr-3909	64	13	.	.	PUNCT
fsr-3909	65	1	economic	economic	ADJ
fsr-3909	65	2	theory	theory	NOUN
fsr-3909	65	3	suggests	suggest	VERB
fsr-3909	65	4	that	that	SCONJ
fsr-3909	65	5	higher	high	ADJ
fsr-3909	65	6	wealth	wealth	NOUN
fsr-3909	65	7	levels	level	NOUN
fsr-3909	65	8	are	be	AUX
fsr-3909	65	9	generally	generally	ADV
fsr-3909	65	10	consistent	consistent	ADJ
fsr-3909	65	11	with	with	ADP
fsr-3909	65	12	higher	high	ADJ
fsr-3909	65	13	percentage	percentage	NOUN
fsr-3909	65	14	equity	equity	NOUN
fsr-3909	65	15	investments	investment	NOUN
fsr-3909	65	16	in	in	ADP
fsr-3909	65	17	retirement	retirement	NOUN
fsr-3909	65	18	accounts	account	NOUN
fsr-3909	65	19	.	.	PUNCT
fsr-3909	66	1	for	for	ADP
fsr-3909	66	2	example	example	NOUN
fsr-3909	66	3	,	,	PUNCT
fsr-3909	66	4	the	the	DET
fsr-3909	66	5	assumption	assumption	NOUN
fsr-3909	66	6	of	of	ADP
fsr-3909	66	7	decreasing	decrease	VERB
fsr-3909	66	8	relative	relative	ADJ
fsr-3909	66	9	risk	risk	NOUN
fsr-3909	66	10	aversion	aversion	NOUN
fsr-3909	66	11	implies	imply	VERB
fsr-3909	66	12	that	that	SCONJ
fsr-3909	66	13	individuals	individual	NOUN
fsr-3909	66	14	are	be	AUX
fsr-3909	66	15	less	less	ADV
fsr-3909	66	16	sensitive	sensitive	ADJ
fsr-3909	66	17	to	to	ADP
fsr-3909	66	18	proportional	proportional	ADJ
fsr-3909	66	19	81d	81d	NOUN
fsr-3909	66	20	.	.	PUNCT
fsr-3909	67	1	waggle	waggle	PROPN
fsr-3909	67	2	,	,	PUNCT
fsr-3909	67	3	b.	b.	PROPN
fsr-3909	67	4	englis	englis	PROPN
fsr-3909	67	5	/	/	SYM
fsr-3909	67	6	financial	financial	ADJ
fsr-3909	67	7	services	service	NOUN
fsr-3909	67	8	review	review	VERB
fsr-3909	67	9	9	9	NUM
fsr-3909	67	10	(	(	PUNCT
fsr-3909	67	11	2000	2000	NUM
fsr-3909	67	12	)	)	PUNCT
fsr-3909	67	13	79–92	79–92	NUM
fsr-3909	67	14	changes	change	NOUN
fsr-3909	67	15	in	in	ADP
fsr-3909	67	16	wealth	wealth	NOUN
fsr-3909	67	17	as	as	ADP
fsr-3909	67	18	the	the	DET
fsr-3909	67	19	level	level	NOUN
fsr-3909	67	20	of	of	ADP
fsr-3909	67	21	wealth	wealth	NOUN
fsr-3909	67	22	increases	increase	NOUN
fsr-3909	67	23	.	.	PUNCT
fsr-3909	68	1	in	in	ADP
fsr-3909	68	2	other	other	ADJ
fsr-3909	68	3	words	word	NOUN
fsr-3909	68	4	,	,	PUNCT
fsr-3909	68	5	someone	someone	PRON
fsr-3909	68	6	with	with	ADP
fsr-3909	68	7	a	a	DET
fsr-3909	68	8	high	high	ADJ
fsr-3909	68	9	level	level	NOUN
fsr-3909	68	10	of	of	ADP
fsr-3909	68	11	wealth	wealth	NOUN
fsr-3909	68	12	is	be	AUX
fsr-3909	68	13	better	well	ADJ
fsr-3909	68	14	able	able	ADJ
fsr-3909	68	15	to	to	PART
fsr-3909	68	16	absorb	absorb	VERB
fsr-3909	68	17	proportional	proportional	ADJ
fsr-3909	68	18	losses	loss	NOUN
fsr-3909	68	19	associated	associate	VERB
fsr-3909	68	20	with	with	ADP
fsr-3909	68	21	higher	high	ADJ
fsr-3909	68	22	risk	risk	NOUN
fsr-3909	68	23	investments	investment	NOUN
fsr-3909	68	24	and	and	CCONJ
fsr-3909	68	25	still	still	ADV
fsr-3909	68	26	be	be	AUX
fsr-3909	68	27	in	in	ADP
fsr-3909	68	28	a	a	DET
fsr-3909	68	29	position	position	NOUN
fsr-3909	68	30	to	to	PART
fsr-3909	68	31	provide	provide	VERB
fsr-3909	68	32	for	for	ADP
fsr-3909	68	33	an	an	DET
fsr-3909	68	34	acceptable	acceptable	ADJ
fsr-3909	68	35	level	level	NOUN
fsr-3909	68	36	of	of	ADP
fsr-3909	68	37	retirement	retirement	NOUN
fsr-3909	68	38	income	income	NOUN
fsr-3909	68	39	.	.	PUNCT
fsr-3909	69	1	the	the	DET
fsr-3909	69	2	impact	impact	NOUN
fsr-3909	69	3	of	of	ADP
fsr-3909	69	4	wealth	wealth	NOUN
fsr-3909	69	5	on	on	ADP
fsr-3909	69	6	retirement	retirement	NOUN
fsr-3909	69	7	savings	saving	NOUN
fsr-3909	69	8	is	be	AUX
fsr-3909	69	9	constrained	constrain	VERB
fsr-3909	69	10	at	at	ADP
fsr-3909	69	11	very	very	ADV
fsr-3909	69	12	low	low	ADJ
fsr-3909	69	13	levels	level	NOUN
fsr-3909	69	14	of	of	ADP
fsr-3909	69	15	wealth	wealth	NOUN
fsr-3909	69	16	since	since	SCONJ
fsr-3909	69	17	individuals	individual	NOUN
fsr-3909	69	18	typically	typically	ADV
fsr-3909	69	19	first	first	ADV
fsr-3909	69	20	need	need	VERB
fsr-3909	69	21	to	to	PART
fsr-3909	69	22	obtain	obtain	VERB
fsr-3909	69	23	sufficient	sufficient	ADJ
fsr-3909	69	24	levels	level	NOUN
fsr-3909	69	25	of	of	ADP
fsr-3909	69	26	cash	cash	NOUN
fsr-3909	69	27	to	to	PART
fsr-3909	69	28	meet	meet	VERB
fsr-3909	69	29	the	the	DET
fsr-3909	69	30	demands	demand	NOUN
fsr-3909	69	31	of	of	ADP
fsr-3909	69	32	everyday	everyday	ADJ
fsr-3909	69	33	transactions	transaction	NOUN
fsr-3909	69	34	and	and	CCONJ
fsr-3909	69	35	to	to	PART
fsr-3909	69	36	prepare	prepare	VERB
fsr-3909	69	37	for	for	ADP
fsr-3909	69	38	unforeseen	unforeseen	ADJ
fsr-3909	69	39	emergencies	emergency	NOUN
fsr-3909	69	40	before	before	ADP
fsr-3909	69	41	turning	turn	VERB
fsr-3909	69	42	to	to	ADP
fsr-3909	69	43	retirement	retirement	NOUN
fsr-3909	69	44	investing	investing	NOUN
fsr-3909	69	45	.	.	PUNCT
fsr-3909	70	1	practitioners	practitioner	NOUN
fsr-3909	70	2	advise	advise	VERB
fsr-3909	70	3	that	that	SCONJ
fsr-3909	70	4	individuals	individual	NOUN
fsr-3909	70	5	should	should	AUX
fsr-3909	70	6	set	set	VERB
fsr-3909	70	7	aside	aside	ADV
fsr-3909	70	8	three	three	NUM
fsr-3909	70	9	to	to	PART
fsr-3909	70	10	six	six	NUM
fsr-3909	70	11	months	month	NOUN
fsr-3909	70	12	of	of	ADP
fsr-3909	70	13	living	living	NOUN
fsr-3909	70	14	expenses	expense	NOUN
fsr-3909	70	15	in	in	ADP
fsr-3909	70	16	safe	safe	ADJ
fsr-3909	70	17	,	,	PUNCT
fsr-3909	70	18	nonretirement	nonretirement	ADJ
fsr-3909	70	19	accounts	account	NOUN
fsr-3909	70	20	before	before	ADP
fsr-3909	70	21	putting	put	VERB
fsr-3909	70	22	nonretirement	nonretirement	ADJ
fsr-3909	70	23	funds	fund	NOUN
fsr-3909	70	24	in	in	ADP
fsr-3909	70	25	bonds	bond	NOUN
fsr-3909	70	26	and	and	CCONJ
fsr-3909	70	27	equity	equity	NOUN
fsr-3909	70	28	.	.	PUNCT
fsr-3909	71	1	thus	thus	ADV
fsr-3909	71	2	,	,	PUNCT
fsr-3909	71	3	individuals	individual	NOUN
fsr-3909	71	4	with	with	ADP
fsr-3909	71	5	low	low	ADJ
fsr-3909	71	6	net	net	ADJ
fsr-3909	71	7	worth	worth	NOUN
fsr-3909	71	8	might	might	AUX
fsr-3909	71	9	be	be	AUX
fsr-3909	71	10	holding	hold	VERB
fsr-3909	71	11	100	100	NUM
fsr-3909	71	12	%	%	NOUN
fsr-3909	71	13	of	of	ADP
fsr-3909	71	14	their	their	PRON
fsr-3909	71	15	assets	asset	NOUN
fsr-3909	71	16	in	in	ADP
fsr-3909	71	17	cash	cash	NOUN
fsr-3909	71	18	in	in	ADP
fsr-3909	71	19	nonretirement	nonretirement	ADJ
fsr-3909	71	20	accounts	account	NOUN
fsr-3909	71	21	just	just	ADV
fsr-3909	71	22	to	to	PART
fsr-3909	71	23	meet	meet	VERB
fsr-3909	71	24	contingencies	contingency	NOUN
fsr-3909	71	25	.	.	PUNCT
fsr-3909	72	1	perhaps	perhaps	ADV
fsr-3909	72	2	the	the	DET
fsr-3909	72	3	most	most	ADV
fsr-3909	72	4	pervasive	pervasive	ADJ
fsr-3909	72	5	advice	advice	NOUN
fsr-3909	72	6	offered	offer	VERB
fsr-3909	72	7	by	by	ADP
fsr-3909	72	8	investment	investment	NOUN
fsr-3909	72	9	professionals	professional	NOUN
fsr-3909	72	10	(	(	PUNCT
fsr-3909	72	11	see	see	VERB
fsr-3909	72	12	,	,	PUNCT
fsr-3909	72	13	e.g.	e.g.	ADV
fsr-3909	72	14	,	,	PUNCT
fsr-3909	72	15	bogle	bogle	PROPN
fsr-3909	72	16	,	,	PUNCT
fsr-3909	72	17	1994	1994	NUM
fsr-3909	72	18	)	)	PUNCT
fsr-3909	72	19	is	be	AUX
fsr-3909	72	20	that	that	SCONJ
fsr-3909	72	21	individuals	individual	NOUN
fsr-3909	72	22	diversify	diversify	VERB
fsr-3909	72	23	their	their	PRON
fsr-3909	72	24	portfolios	portfolio	NOUN
fsr-3909	72	25	both	both	CCONJ
fsr-3909	72	26	across	across	ADP
fsr-3909	72	27	and	and	CCONJ
fsr-3909	72	28	within	within	ADP
fsr-3909	72	29	asset	asset	NOUN
fsr-3909	72	30	categories	category	NOUN
fsr-3909	72	31	regardless	regardless	ADV
fsr-3909	72	32	of	of	ADP
fsr-3909	72	33	other	other	ADJ
fsr-3909	72	34	individual	individual	ADJ
fsr-3909	72	35	investor	investor	NOUN
fsr-3909	72	36	characteristics	characteristic	NOUN
fsr-3909	72	37	.	.	PUNCT
fsr-3909	73	1	although	although	SCONJ
fsr-3909	73	2	holding	hold	VERB
fsr-3909	73	3	a	a	DET
fsr-3909	73	4	small	small	ADJ
fsr-3909	73	5	proportion	proportion	NOUN
fsr-3909	73	6	of	of	ADP
fsr-3909	73	7	cash	cash	NOUN
fsr-3909	73	8	might	might	AUX
fsr-3909	73	9	be	be	AUX
fsr-3909	73	10	wise	wise	ADJ
fsr-3909	73	11	in	in	ADP
fsr-3909	73	12	certain	certain	ADJ
fsr-3909	73	13	situations	situation	NOUN
fsr-3909	73	14	,	,	PUNCT
fsr-3909	73	15	retirement	retirement	NOUN
fsr-3909	73	16	accounts	account	NOUN
fsr-3909	73	17	should	should	AUX
fsr-3909	73	18	be	be	AUX
fsr-3909	73	19	predominantly	predominantly	ADV
fsr-3909	73	20	invested	invest	VERB
fsr-3909	73	21	in	in	ADP
fsr-3909	73	22	equity	equity	NOUN
fsr-3909	73	23	and	and	CCONJ
fsr-3909	73	24	long	long	ADJ
fsr-3909	73	25	-	-	PUNCT
fsr-3909	73	26	term	term	NOUN
fsr-3909	73	27	bonds	bond	NOUN
fsr-3909	73	28	.	.	PUNCT
fsr-3909	74	1	investment	investment	NOUN
fsr-3909	74	2	advisors	advisor	NOUN
fsr-3909	74	3	have	have	AUX
fsr-3909	74	4	also	also	ADV
fsr-3909	74	5	suggested	suggest	VERB
fsr-3909	74	6	concentrating	concentrate	VERB
fsr-3909	74	7	long	long	ADJ
fsr-3909	74	8	-	-	PUNCT
fsr-3909	74	9	term	term	NOUN
fsr-3909	74	10	equity	equity	NOUN
fsr-3909	74	11	in	in	ADP
fsr-3909	74	12	nonretirement	nonretirement	ADJ
fsr-3909	74	13	accounts	account	NOUN
fsr-3909	74	14	and	and	CCONJ
fsr-3909	74	15	taxable	taxable	ADJ
fsr-3909	74	16	bonds	bond	NOUN
fsr-3909	74	17	in	in	ADP
fsr-3909	74	18	tax	tax	NOUN
fsr-3909	74	19	deferred	defer	VERB
fsr-3909	74	20	retirement	retirement	NOUN
fsr-3909	74	21	accounts	account	NOUN
fsr-3909	74	22	to	to	PART
fsr-3909	74	23	maximize	maximize	VERB
fsr-3909	74	24	tax	tax	NOUN
fsr-3909	74	25	efficiency	efficiency	NOUN
fsr-3909	74	26	.	.	PUNCT
fsr-3909	75	1	the	the	DET
fsr-3909	75	2	argument	argument	NOUN
fsr-3909	75	3	is	be	AUX
fsr-3909	75	4	that	that	SCONJ
fsr-3909	75	5	long	long	ADJ
fsr-3909	75	6	-	-	PUNCT
fsr-3909	75	7	term	term	NOUN
fsr-3909	75	8	capital	capital	NOUN
fsr-3909	75	9	gains	gain	NOUN
fsr-3909	75	10	on	on	ADP
fsr-3909	75	11	equity	equity	NOUN
fsr-3909	75	12	are	be	AUX
fsr-3909	75	13	taxed	tax	VERB
fsr-3909	75	14	at	at	ADP
fsr-3909	75	15	a	a	DET
fsr-3909	75	16	lower	low	ADJ
fsr-3909	75	17	rate	rate	NOUN
fsr-3909	75	18	than	than	ADP
fsr-3909	75	19	interest	interest	NOUN
fsr-3909	75	20	payments	payment	NOUN
fsr-3909	75	21	on	on	ADP
fsr-3909	75	22	bonds	bond	NOUN
fsr-3909	75	23	,	,	PUNCT
fsr-3909	75	24	so	so	SCONJ
fsr-3909	75	25	a	a	DET
fsr-3909	75	26	greater	great	ADJ
fsr-3909	75	27	tax	tax	NOUN
fsr-3909	75	28	advantage	advantage	NOUN
fsr-3909	75	29	is	be	AUX
fsr-3909	75	30	gained	gain	VERB
fsr-3909	75	31	by	by	ADP
fsr-3909	75	32	holding	hold	VERB
fsr-3909	75	33	equity	equity	NOUN
fsr-3909	75	34	in	in	ADP
fsr-3909	75	35	nonretirement	nonretirement	ADJ
fsr-3909	75	36	accounts	account	NOUN
fsr-3909	75	37	.	.	PUNCT
fsr-3909	76	1	even	even	ADV
fsr-3909	76	2	without	without	ADP
fsr-3909	76	3	the	the	DET
fsr-3909	76	4	differential	differential	ADJ
fsr-3909	76	5	tax	tax	NOUN
fsr-3909	76	6	rates	rate	NOUN
fsr-3909	76	7	,	,	PUNCT
fsr-3909	76	8	financial	financial	ADJ
fsr-3909	76	9	advisors	advisor	NOUN
fsr-3909	76	10	have	have	AUX
fsr-3909	76	11	suggested	suggest	VERB
fsr-3909	76	12	that	that	SCONJ
fsr-3909	76	13	individuals	individual	NOUN
fsr-3909	76	14	can	can	AUX
fsr-3909	76	15	simply	simply	ADV
fsr-3909	76	16	hold	hold	VERB
fsr-3909	76	17	on	on	ADP
fsr-3909	76	18	to	to	ADP
fsr-3909	76	19	their	their	PRON
fsr-3909	76	20	stocks	stock	NOUN
fsr-3909	76	21	and	and	CCONJ
fsr-3909	76	22	avoid	avoid	VERB
fsr-3909	76	23	paying	pay	VERB
fsr-3909	76	24	the	the	DET
fsr-3909	76	25	taxes	taxis	NOUN
fsr-3909	76	26	on	on	ADP
fsr-3909	76	27	the	the	DET
fsr-3909	76	28	unrealized	unrealized	ADJ
fsr-3909	76	29	gains	gain	NOUN
fsr-3909	76	30	.	.	PUNCT
fsr-3909	77	1	this	this	DET
fsr-3909	77	2	advice	advice	NOUN
fsr-3909	77	3	ignores	ignore	VERB
fsr-3909	77	4	the	the	DET
fsr-3909	77	5	fact	fact	NOUN
fsr-3909	77	6	that	that	SCONJ
fsr-3909	77	7	the	the	DET
fsr-3909	77	8	average	average	ADJ
fsr-3909	77	9	equity	equity	NOUN
fsr-3909	77	10	mutual	mutual	ADJ
fsr-3909	77	11	fund	fund	NOUN
fsr-3909	77	12	turns	turn	VERB
fsr-3909	77	13	over	over	ADP
fsr-3909	77	14	its	its	PRON
fsr-3909	77	15	entire	entire	ADJ
fsr-3909	77	16	portfolio	portfolio	NOUN
fsr-3909	77	17	in	in	ADP
fsr-3909	77	18	about	about	ADV
fsr-3909	77	19	a	a	PRON
fsr-3909	77	20	year	year	NOUN
fsr-3909	77	21	and	and	CCONJ
fsr-3909	77	22	is	be	AUX
fsr-3909	77	23	not	not	PART
fsr-3909	77	24	managed	manage	VERB
fsr-3909	77	25	with	with	ADP
fsr-3909	77	26	tax	tax	NOUN
fsr-3909	77	27	efficiency	efficiency	NOUN
fsr-3909	77	28	in	in	ADP
fsr-3909	77	29	mind	mind	NOUN
fsr-3909	77	30	.	.	PUNCT
fsr-3909	78	1	the	the	DET
fsr-3909	78	2	tax	tax	NOUN
fsr-3909	78	3	inefficiency	inefficiency	NOUN
fsr-3909	78	4	of	of	ADP
fsr-3909	78	5	mutual	mutual	ADJ
fsr-3909	78	6	funds	fund	NOUN
fsr-3909	78	7	coupled	couple	VERB
fsr-3909	78	8	with	with	ADP
fsr-3909	78	9	the	the	DET
fsr-3909	78	10	consistent	consistent	ADJ
fsr-3909	78	11	double	double	ADJ
fsr-3909	78	12	-	-	PUNCT
fsr-3909	78	13	digit	digit	NOUN
fsr-3909	78	14	returns	return	NOUN
fsr-3909	78	15	of	of	ADP
fsr-3909	78	16	equity	equity	NOUN
fsr-3909	78	17	in	in	ADP
fsr-3909	78	18	the	the	DET
fsr-3909	78	19	1990s	1990	NOUN
fsr-3909	78	20	might	might	AUX
fsr-3909	78	21	be	be	AUX
fsr-3909	78	22	a	a	DET
fsr-3909	78	23	reasonable	reasonable	ADJ
fsr-3909	78	24	argument	argument	NOUN
fsr-3909	78	25	in	in	ADP
fsr-3909	78	26	favor	favor	NOUN
fsr-3909	78	27	of	of	ADP
fsr-3909	78	28	holding	hold	VERB
fsr-3909	78	29	more	more	ADJ
fsr-3909	78	30	equity	equity	NOUN
fsr-3909	78	31	in	in	ADP
fsr-3909	78	32	tax	tax	NOUN
fsr-3909	78	33	-	-	PUNCT
fsr-3909	78	34	deferred	defer	VERB
fsr-3909	78	35	accounts	account	NOUN
fsr-3909	78	36	.	.	PUNCT
fsr-3909	79	1	bodie	bodie	PROPN
fsr-3909	79	2	and	and	CCONJ
fsr-3909	79	3	crane	crane	NOUN
fsr-3909	79	4	(	(	PUNCT
fsr-3909	79	5	1997	1997	NUM
fsr-3909	79	6	)	)	PUNCT
fsr-3909	79	7	did	do	AUX
fsr-3909	79	8	not	not	PART
fsr-3909	79	9	find	find	VERB
fsr-3909	79	10	evidence	evidence	NOUN
fsr-3909	79	11	that	that	SCONJ
fsr-3909	79	12	people	people	NOUN
fsr-3909	79	13	were	be	AUX
fsr-3909	79	14	concentrating	concentrate	VERB
fsr-3909	79	15	equity	equity	NOUN
fsr-3909	79	16	in	in	ADP
fsr-3909	79	17	nonretirement	nonretirement	ADJ
fsr-3909	79	18	accounts	account	NOUN
fsr-3909	79	19	.	.	PUNCT
fsr-3909	80	1	other	other	ADJ
fsr-3909	80	2	factors	factor	NOUN
fsr-3909	80	3	that	that	PRON
fsr-3909	80	4	may	may	AUX
fsr-3909	80	5	affect	affect	VERB
fsr-3909	80	6	portfolio	portfolio	NOUN
fsr-3909	80	7	decision	decision	NOUN
fsr-3909	80	8	-	-	PUNCT
fsr-3909	80	9	making	making	NOUN
fsr-3909	80	10	include	include	VERB
fsr-3909	80	11	the	the	DET
fsr-3909	80	12	marital	marital	ADJ
fsr-3909	80	13	status	status	NOUN
fsr-3909	80	14	and	and	CCONJ
fsr-3909	80	15	education	education	NOUN
fsr-3909	80	16	level	level	NOUN
fsr-3909	80	17	of	of	ADP
fsr-3909	80	18	the	the	DET
fsr-3909	80	19	individual	individual	NOUN
fsr-3909	80	20	and	and	CCONJ
fsr-3909	80	21	whether	whether	SCONJ
fsr-3909	80	22	or	or	CCONJ
fsr-3909	80	23	not	not	PART
fsr-3909	80	24	a	a	DET
fsr-3909	80	25	home	home	NOUN
fsr-3909	80	26	is	be	AUX
fsr-3909	80	27	owned	own	VERB
fsr-3909	80	28	.	.	PUNCT
fsr-3909	81	1	if	if	SCONJ
fsr-3909	81	2	one	one	NUM
fsr-3909	81	3	’s	’s	PART
fsr-3909	81	4	home	home	NOUN
fsr-3909	81	5	is	be	AUX
fsr-3909	81	6	considered	consider	VERB
fsr-3909	81	7	to	to	PART
fsr-3909	81	8	be	be	AUX
fsr-3909	81	9	a	a	DET
fsr-3909	81	10	relatively	relatively	ADV
fsr-3909	81	11	safe	safe	ADJ
fsr-3909	81	12	asset	asset	NOUN
fsr-3909	81	13	,	,	PUNCT
fsr-3909	81	14	then	then	ADV
fsr-3909	81	15	home	home	NOUN
fsr-3909	81	16	ownership	ownership	NOUN
fsr-3909	81	17	may	may	AUX
fsr-3909	81	18	allow	allow	VERB
fsr-3909	81	19	individuals	individual	NOUN
fsr-3909	81	20	to	to	PART
fsr-3909	81	21	diversify	diversify	VERB
fsr-3909	81	22	their	their	PRON
fsr-3909	81	23	portfolios	portfolio	NOUN
fsr-3909	81	24	into	into	ADP
fsr-3909	81	25	more	more	ADV
fsr-3909	81	26	risky	risky	ADJ
fsr-3909	81	27	equity	equity	NOUN
fsr-3909	81	28	investments	investment	NOUN
fsr-3909	81	29	.	.	PUNCT
fsr-3909	82	1	a	a	DET
fsr-3909	82	2	couple	couple	NOUN
fsr-3909	82	3	with	with	ADP
fsr-3909	82	4	two	two	NUM
fsr-3909	82	5	incomes	income	NOUN
fsr-3909	82	6	may	may	AUX
fsr-3909	82	7	feel	feel	VERB
fsr-3909	82	8	more	more	ADV
fsr-3909	82	9	secure	secure	ADJ
fsr-3909	82	10	than	than	ADP
fsr-3909	82	11	an	an	DET
fsr-3909	82	12	individual	individual	NOUN
fsr-3909	82	13	relying	rely	VERB
fsr-3909	82	14	on	on	ADP
fsr-3909	82	15	a	a	DET
fsr-3909	82	16	single	single	ADJ
fsr-3909	82	17	salary	salary	NOUN
fsr-3909	82	18	,	,	PUNCT
fsr-3909	82	19	and	and	CCONJ
fsr-3909	82	20	,	,	PUNCT
fsr-3909	82	21	thus	thus	ADV
fsr-3909	82	22	,	,	PUNCT
fsr-3909	82	23	might	might	AUX
fsr-3909	82	24	be	be	AUX
fsr-3909	82	25	willing	willing	ADJ
fsr-3909	82	26	to	to	PART
fsr-3909	82	27	take	take	VERB
fsr-3909	82	28	on	on	ADP
fsr-3909	82	29	more	more	ADJ
fsr-3909	82	30	risk	risk	NOUN
fsr-3909	82	31	in	in	ADP
fsr-3909	82	32	their	their	PRON
fsr-3909	82	33	investment	investment	NOUN
fsr-3909	82	34	portfolio	portfolio	NOUN
fsr-3909	82	35	.	.	PUNCT
fsr-3909	83	1	a	a	DET
fsr-3909	83	2	more	more	ADV
fsr-3909	83	3	educated	educate	VERB
fsr-3909	83	4	individual	individual	NOUN
fsr-3909	83	5	may	may	AUX
fsr-3909	83	6	have	have	VERB
fsr-3909	83	7	a	a	DET
fsr-3909	83	8	better	well	ADJ
fsr-3909	83	9	understanding	understanding	NOUN
fsr-3909	83	10	of	of	ADP
fsr-3909	83	11	the	the	DET
fsr-3909	83	12	stock	stock	NOUN
fsr-3909	83	13	market	market	NOUN
fsr-3909	83	14	and	and	CCONJ
fsr-3909	83	15	be	be	AUX
fsr-3909	83	16	more	more	ADV
fsr-3909	83	17	receptive	receptive	ADJ
fsr-3909	83	18	to	to	ADP
fsr-3909	83	19	investments	investment	NOUN
fsr-3909	83	20	in	in	ADP
fsr-3909	83	21	equity	equity	NOUN
fsr-3909	83	22	.	.	PUNCT
fsr-3909	84	1	bodie	bodie	PROPN
fsr-3909	84	2	and	and	CCONJ
fsr-3909	84	3	crane	crane	NOUN
fsr-3909	84	4	(	(	PUNCT
fsr-3909	84	5	1997	1997	NUM
fsr-3909	84	6	)	)	PUNCT
fsr-3909	84	7	found	find	VERB
fsr-3909	84	8	home	home	NOUN
fsr-3909	84	9	ownership	ownership	NOUN
fsr-3909	84	10	and	and	CCONJ
fsr-3909	84	11	college	college	NOUN
fsr-3909	84	12	education	education	NOUN
fsr-3909	84	13	(	(	PUNCT
fsr-3909	84	14	when	when	SCONJ
fsr-3909	84	15	omitting	omit	VERB
fsr-3909	84	16	job	job	NOUN
fsr-3909	84	17	category	category	NOUN
fsr-3909	84	18	variables	variable	NOUN
fsr-3909	84	19	)	)	PUNCT
fsr-3909	84	20	,	,	PUNCT
fsr-3909	84	21	but	but	CCONJ
fsr-3909	84	22	not	not	PART
fsr-3909	84	23	marital	marital	ADJ
fsr-3909	84	24	status	status	NOUN
fsr-3909	84	25	,	,	PUNCT
fsr-3909	84	26	to	to	PART
fsr-3909	84	27	be	be	AUX
fsr-3909	84	28	significant	significant	ADJ
fsr-3909	84	29	factors	factor	NOUN
fsr-3909	84	30	affecting	affect	VERB
fsr-3909	84	31	equity	equity	NOUN
fsr-3909	84	32	allocation	allocation	NOUN
fsr-3909	84	33	.	.	PUNCT
fsr-3909	85	1	demographic	demographic	ADJ
fsr-3909	85	2	variables	variable	NOUN
fsr-3909	85	3	may	may	AUX
fsr-3909	85	4	also	also	ADV
fsr-3909	85	5	help	help	VERB
fsr-3909	85	6	explain	explain	VERB
fsr-3909	85	7	the	the	DET
fsr-3909	85	8	investment	investment	NOUN
fsr-3909	85	9	decisions	decision	NOUN
fsr-3909	85	10	of	of	ADP
fsr-3909	85	11	groups	group	NOUN
fsr-3909	85	12	,	,	PUNCT
fsr-3909	85	13	but	but	CCONJ
fsr-3909	85	14	they	they	PRON
fsr-3909	85	15	are	be	AUX
fsr-3909	85	16	imperfect	imperfect	ADJ
fsr-3909	85	17	predictors	predictor	NOUN
fsr-3909	85	18	of	of	ADP
fsr-3909	85	19	individual	individual	ADJ
fsr-3909	85	20	investment	investment	NOUN
fsr-3909	85	21	behavior	behavior	NOUN
fsr-3909	85	22	.	.	PUNCT
fsr-3909	86	1	individuals	individual	NOUN
fsr-3909	86	2	may	may	AUX
fsr-3909	86	3	have	have	VERB
fsr-3909	86	4	different	different	ADJ
fsr-3909	86	5	attitudes	attitude	NOUN
fsr-3909	86	6	toward	toward	ADP
fsr-3909	86	7	risk	risk	NOUN
fsr-3909	86	8	that	that	PRON
fsr-3909	86	9	overshadow	overshadow	VERB
fsr-3909	86	10	other	other	ADJ
fsr-3909	86	11	characteristics	characteristic	NOUN
fsr-3909	86	12	when	when	SCONJ
fsr-3909	86	13	it	it	PRON
fsr-3909	86	14	comes	come	VERB
fsr-3909	86	15	to	to	ADP
fsr-3909	86	16	portfolio	portfolio	NOUN
fsr-3909	86	17	decisions	decision	NOUN
fsr-3909	86	18	.	.	PUNCT
fsr-3909	87	1	while	while	SCONJ
fsr-3909	87	2	different	different	ADJ
fsr-3909	87	3	economists	economist	NOUN
fsr-3909	87	4	may	may	AUX
fsr-3909	87	5	have	have	VERB
fsr-3909	87	6	opposing	oppose	VERB
fsr-3909	87	7	views	view	NOUN
fsr-3909	87	8	regarding	regard	VERB
fsr-3909	87	9	general	general	ADJ
fsr-3909	87	10	risk	risk	NOUN
fsr-3909	87	11	tolerance	tolerance	NOUN
fsr-3909	87	12	,	,	PUNCT
fsr-3909	87	13	all	all	PRON
fsr-3909	87	14	agree	agree	VERB
fsr-3909	87	15	that	that	SCONJ
fsr-3909	87	16	no	no	DET
fsr-3909	87	17	two	two	NUM
fsr-3909	87	18	individuals	individual	NOUN
fsr-3909	87	19	are	be	AUX
fsr-3909	87	20	alike	alike	ADV
fsr-3909	87	21	.	.	PUNCT
fsr-3909	88	1	the	the	DET
fsr-3909	88	2	sri	sri	PROPN
fsr-3909	88	3	survey	survey	NOUN
fsr-3909	88	4	provides	provide	VERB
fsr-3909	88	5	responses	response	NOUN
fsr-3909	88	6	that	that	PRON
fsr-3909	88	7	give	give	VERB
fsr-3909	88	8	some	some	DET
fsr-3909	88	9	useful	useful	ADJ
fsr-3909	88	10	insight	insight	NOUN
fsr-3909	88	11	into	into	ADP
fsr-3909	88	12	the	the	DET
fsr-3909	88	13	risk	risk	NOUN
fsr-3909	88	14	tolerance	tolerance	NOUN
fsr-3909	88	15	of	of	ADP
fsr-3909	88	16	the	the	DET
fsr-3909	88	17	individuals	individual	NOUN
fsr-3909	88	18	.	.	PUNCT
fsr-3909	89	1	82	82	NUM
fsr-3909	89	2	d.	d.	PROPN
fsr-3909	89	3	waggle	waggle	PROPN
fsr-3909	89	4	,	,	PUNCT
fsr-3909	89	5	b.	b.	PROPN
fsr-3909	89	6	englis	englis	PROPN
fsr-3909	89	7	/	/	SYM
fsr-3909	89	8	financial	financial	ADJ
fsr-3909	89	9	services	service	NOUN
fsr-3909	89	10	review	review	VERB
fsr-3909	89	11	9	9	NUM
fsr-3909	89	12	(	(	PUNCT
fsr-3909	89	13	2000	2000	NUM
fsr-3909	89	14	)	)	PUNCT
fsr-3909	89	15	79–92	79–92	NUM
fsr-3909	89	16	3	3	NUM
fsr-3909	89	17	.	.	PUNCT
fsr-3909	89	18	description	description	NOUN
fsr-3909	89	19	the	the	DET
fsr-3909	89	20	macromonitor	macromonitor	NOUN
fsr-3909	89	21	is	be	AUX
fsr-3909	89	22	sri	sri	PROPN
fsr-3909	89	23	consulting	consulting	NOUN
fsr-3909	89	24	’s	’s	PART
fsr-3909	89	25	consumer	consumer	NOUN
fsr-3909	89	26	financial	financial	ADJ
fsr-3909	89	27	decisions	decision	NOUN
fsr-3909	89	28	database	database	NOUN
fsr-3909	89	29	and	and	CCONJ
fsr-3909	89	30	marketing	marketing	NOUN
fsr-3909	89	31	program	program	NOUN
fsr-3909	89	32	.	.	PUNCT
fsr-3909	90	1	in	in	ADP
fsr-3909	90	2	the	the	DET
fsr-3909	90	3	present	present	ADJ
fsr-3909	90	4	analysis	analysis	NOUN
fsr-3909	90	5	,	,	PUNCT
fsr-3909	90	6	we	we	PRON
fsr-3909	90	7	use	use	VERB
fsr-3909	90	8	data	datum	NOUN
fsr-3909	90	9	from	from	ADP
fsr-3909	90	10	the	the	DET
fsr-3909	90	11	1996–97	1996–97	NUM
fsr-3909	90	12	survey	survey	NOUN
fsr-3909	90	13	,	,	PUNCT
fsr-3909	90	14	which	which	PRON
fsr-3909	90	15	includes	include	VERB
fsr-3909	90	16	interviews	interview	NOUN
fsr-3909	90	17	with	with	ADP
fsr-3909	90	18	3,931	3,931	NUM
fsr-3909	90	19	financial	financial	ADJ
fsr-3909	90	20	decision	decision	NOUN
fsr-3909	90	21	-	-	PUNCT
fsr-3909	90	22	makers	maker	NOUN
fsr-3909	90	23	drawn	draw	VERB
fsr-3909	90	24	from	from	ADP
fsr-3909	90	25	a	a	DET
fsr-3909	90	26	nationally	nationally	ADV
fsr-3909	90	27	representative	representative	ADJ
fsr-3909	90	28	sample	sample	NOUN
fsr-3909	90	29	of	of	ADP
fsr-3909	90	30	american	american	ADJ
fsr-3909	90	31	households	household	NOUN
fsr-3909	90	32	.	.	PUNCT
fsr-3909	91	1	the	the	DET
fsr-3909	91	2	survey	survey	NOUN
fsr-3909	91	3	sample	sample	NOUN
fsr-3909	91	4	is	be	AUX
fsr-3909	91	5	constructed	construct	VERB
fsr-3909	91	6	using	use	VERB
fsr-3909	91	7	a	a	DET
fsr-3909	91	8	randomdigit	randomdigit	NOUN
fsr-3909	91	9	-	-	PUNCT
fsr-3909	91	10	dialing	dialing	NOUN
fsr-3909	91	11	sampling	sampling	NOUN
fsr-3909	91	12	frame	frame	NOUN
fsr-3909	91	13	based	base	VERB
fsr-3909	91	14	on	on	ADP
fsr-3909	91	15	both	both	PRON
fsr-3909	91	16	listed	list	VERB
fsr-3909	91	17	and	and	CCONJ
fsr-3909	91	18	unlisted	unlisted	ADJ
fsr-3909	91	19	numbers	number	NOUN
fsr-3909	91	20	.	.	PUNCT
fsr-3909	92	1	prospective	prospective	ADJ
fsr-3909	92	2	households	household	NOUN
fsr-3909	92	3	are	be	AUX
fsr-3909	92	4	first	first	ADV
fsr-3909	92	5	contacted	contact	VERB
fsr-3909	92	6	by	by	ADP
fsr-3909	92	7	telephone	telephone	NOUN
fsr-3909	92	8	to	to	PART
fsr-3909	92	9	solicit	solicit	VERB
fsr-3909	92	10	cooperation	cooperation	NOUN
fsr-3909	92	11	for	for	ADP
fsr-3909	92	12	a	a	DET
fsr-3909	92	13	mail	mail	NOUN
fsr-3909	92	14	survey	survey	NOUN
fsr-3909	92	15	concerning	concern	VERB
fsr-3909	92	16	financial	financial	ADJ
fsr-3909	92	17	decision	decision	NOUN
fsr-3909	92	18	-	-	PUNCT
fsr-3909	92	19	making	making	NOUN
fsr-3909	92	20	.	.	PUNCT
fsr-3909	93	1	only	only	ADV
fsr-3909	93	2	individuals	individual	NOUN
fsr-3909	93	3	who	who	PRON
fsr-3909	93	4	agree	agree	VERB
fsr-3909	93	5	to	to	PART
fsr-3909	93	6	participate	participate	VERB
fsr-3909	93	7	are	be	AUX
fsr-3909	93	8	sent	send	VERB
fsr-3909	93	9	a	a	DET
fsr-3909	93	10	questionnaire	questionnaire	NOUN
fsr-3909	93	11	along	along	ADP
fsr-3909	93	12	with	with	ADP
fsr-3909	93	13	a	a	DET
fsr-3909	93	14	small	small	ADJ
fsr-3909	93	15	incentive	incentive	NOUN
fsr-3909	93	16	and	and	CCONJ
fsr-3909	93	17	a	a	DET
fsr-3909	93	18	return	return	NOUN
fsr-3909	93	19	stamped	stamp	VERB
fsr-3909	93	20	envelope	envelope	NOUN
fsr-3909	93	21	.	.	PUNCT
fsr-3909	94	1	postcard	postcard	NOUN
fsr-3909	94	2	and	and	CCONJ
fsr-3909	94	3	telephone	telephone	NOUN
fsr-3909	94	4	follow	follow	NOUN
fsr-3909	94	5	-	-	PUNCT
fsr-3909	94	6	ups	up	NOUN
fsr-3909	94	7	are	be	AUX
fsr-3909	94	8	used	use	VERB
fsr-3909	94	9	to	to	PART
fsr-3909	94	10	encourage	encourage	VERB
fsr-3909	94	11	participation	participation	NOUN
fsr-3909	94	12	.	.	PUNCT
fsr-3909	95	1	this	this	DET
fsr-3909	95	2	approach	approach	NOUN
fsr-3909	95	3	results	result	VERB
fsr-3909	95	4	in	in	ADP
fsr-3909	95	5	a	a	DET
fsr-3909	95	6	40	40	NUM
fsr-3909	95	7	%	%	NOUN
fsr-3909	95	8	response	response	NOUN
fsr-3909	95	9	rate	rate	NOUN
fsr-3909	95	10	among	among	ADP
fsr-3909	95	11	households	household	NOUN
fsr-3909	95	12	who	who	PRON
fsr-3909	95	13	originally	originally	ADV
fsr-3909	95	14	agreed	agree	VERB
fsr-3909	95	15	to	to	PART
fsr-3909	95	16	participate	participate	VERB
fsr-3909	95	17	.	.	PUNCT
fsr-3909	96	1	a	a	DET
fsr-3909	96	2	stratified	stratified	ADJ
fsr-3909	96	3	sample	sample	NOUN
fsr-3909	96	4	is	be	AUX
fsr-3909	96	5	used	use	VERB
fsr-3909	96	6	that	that	SCONJ
fsr-3909	96	7	over	over	ADV
fsr-3909	96	8	-	-	PUNCT
fsr-3909	96	9	represents	represent	VERB
fsr-3909	96	10	high	high	ADJ
fsr-3909	96	11	-	-	PUNCT
fsr-3909	96	12	income	income	NOUN
fsr-3909	96	13	households	household	NOUN
fsr-3909	96	14	.	.	PUNCT
fsr-3909	97	1	of	of	ADP
fsr-3909	97	2	the	the	DET
fsr-3909	97	3	households	household	NOUN
fsr-3909	97	4	originally	originally	ADV
fsr-3909	97	5	contacted	contact	VERB
fsr-3909	97	6	,	,	PUNCT
fsr-3909	97	7	over	over	ADP
fsr-3909	97	8	1,700	1,700	NUM
fsr-3909	97	9	have	have	VERB
fsr-3909	97	10	annual	annual	ADJ
fsr-3909	97	11	incomes	income	NOUN
fsr-3909	97	12	that	that	PRON
fsr-3909	97	13	exceed	exceed	VERB
fsr-3909	97	14	$	$	SYM
fsr-3909	97	15	75,000	75,000	NUM
fsr-3909	97	16	or	or	CCONJ
fsr-3909	97	17	total	total	ADJ
fsr-3909	97	18	assets	asset	NOUN
fsr-3909	97	19	over	over	ADP
fsr-3909	97	20	$	$	SYM
fsr-3909	97	21	300,000	300,000	NUM
fsr-3909	97	22	(	(	PUNCT
fsr-3909	97	23	excluding	exclude	VERB
fsr-3909	97	24	primary	primary	ADJ
fsr-3909	97	25	residence	residence	NOUN
fsr-3909	97	26	)	)	PUNCT
fsr-3909	97	27	.	.	PUNCT
fsr-3909	98	1	the	the	DET
fsr-3909	98	2	macromonitor	macromonitor	NOUN
fsr-3909	98	3	questionnaire	questionnaire	NOUN
fsr-3909	98	4	is	be	AUX
fsr-3909	98	5	an	an	DET
fsr-3909	98	6	85	85	NUM
fsr-3909	98	7	-	-	PUNCT
fsr-3909	98	8	page	page	NOUN
fsr-3909	98	9	protocol	protocol	NOUN
fsr-3909	98	10	that	that	PRON
fsr-3909	98	11	represents	represent	VERB
fsr-3909	98	12	a	a	DET
fsr-3909	98	13	broad	broad	ADJ
fsr-3909	98	14	array	array	NOUN
fsr-3909	98	15	of	of	ADP
fsr-3909	98	16	attitudinal	attitudinal	ADJ
fsr-3909	98	17	,	,	PUNCT
fsr-3909	98	18	behavioral	behavioral	ADJ
fsr-3909	98	19	,	,	PUNCT
fsr-3909	98	20	and	and	CCONJ
fsr-3909	98	21	motivational	motivational	ADJ
fsr-3909	98	22	information	information	NOUN
fsr-3909	98	23	.	.	PUNCT
fsr-3909	99	1	demographic	demographic	ADJ
fsr-3909	99	2	variables	variable	NOUN
fsr-3909	99	3	include	include	VERB
fsr-3909	99	4	age	age	NOUN
fsr-3909	99	5	,	,	PUNCT
fsr-3909	99	6	income	income	NOUN
fsr-3909	99	7	,	,	PUNCT
fsr-3909	99	8	education	education	NOUN
fsr-3909	99	9	,	,	PUNCT
fsr-3909	99	10	gender	gender	NOUN
fsr-3909	99	11	,	,	PUNCT
fsr-3909	99	12	race	race	NOUN
fsr-3909	99	13	,	,	PUNCT
fsr-3909	99	14	marital	marital	ADJ
fsr-3909	99	15	status	status	NOUN
fsr-3909	99	16	,	,	PUNCT
fsr-3909	99	17	family	family	NOUN
fsr-3909	99	18	structure	structure	NOUN
fsr-3909	99	19	,	,	PUNCT
fsr-3909	99	20	occupation	occupation	NOUN
fsr-3909	99	21	,	,	PUNCT
fsr-3909	99	22	employment	employment	NOUN
fsr-3909	99	23	status	status	NOUN
fsr-3909	99	24	,	,	PUNCT
fsr-3909	99	25	and	and	CCONJ
fsr-3909	99	26	business	business	NOUN
fsr-3909	99	27	ownership	ownership	NOUN
fsr-3909	99	28	.	.	PUNCT
fsr-3909	100	1	a	a	DET
fsr-3909	100	2	consumer	consumer	NOUN
fsr-3909	100	3	’s	’s	PART
fsr-3909	100	4	reported	report	VERB
fsr-3909	100	5	current	current	ADJ
fsr-3909	100	6	financial	financial	ADJ
fsr-3909	100	7	status	status	NOUN
fsr-3909	100	8	reflects	reflect	VERB
fsr-3909	100	9	the	the	DET
fsr-3909	100	10	incidence	incidence	NOUN
fsr-3909	100	11	and	and	CCONJ
fsr-3909	100	12	dollar	dollar	NOUN
fsr-3909	100	13	amount	amount	NOUN
fsr-3909	100	14	of	of	ADP
fsr-3909	100	15	holdings	holding	NOUN
fsr-3909	100	16	in	in	ADP
fsr-3909	100	17	financial	financial	ADJ
fsr-3909	100	18	products	product	NOUN
fsr-3909	100	19	and	and	CCONJ
fsr-3909	100	20	a	a	DET
fsr-3909	100	21	behavioral	behavioral	ADJ
fsr-3909	100	22	inventory	inventory	NOUN
fsr-3909	100	23	assesses	assesse	NOUN
fsr-3909	100	24	household	household	NOUN
fsr-3909	100	25	use	use	NOUN
fsr-3909	100	26	of	of	ADP
fsr-3909	100	27	comprehensive	comprehensive	ADJ
fsr-3909	100	28	array	array	NOUN
fsr-3909	100	29	of	of	ADP
fsr-3909	100	30	financial	financial	ADJ
fsr-3909	100	31	services	service	NOUN
fsr-3909	100	32	.	.	PUNCT
fsr-3909	101	1	the	the	DET
fsr-3909	101	2	sample	sample	NOUN
fsr-3909	101	3	used	use	VERB
fsr-3909	101	4	in	in	ADP
fsr-3909	101	5	this	this	DET
fsr-3909	101	6	paper	paper	NOUN
fsr-3909	101	7	includes	include	VERB
fsr-3909	101	8	942	942	NUM
fsr-3909	101	9	families	family	NOUN
fsr-3909	101	10	with	with	ADP
fsr-3909	101	11	iras	ira	NOUN
fsr-3909	101	12	or	or	CCONJ
fsr-3909	101	13	sep	sep	PROPN
fsr-3909	101	14	-	-	PUNCT
fsr-3909	101	15	iras	ira	NOUN
fsr-3909	101	16	and	and	CCONJ
fsr-3909	101	17	with	with	ADP
fsr-3909	101	18	no	no	DET
fsr-3909	101	19	missing	missing	ADJ
fsr-3909	101	20	ira	ira	PROPN
fsr-3909	101	21	/	/	SYM
fsr-3909	101	22	sep	sep	PROPN
fsr-3909	101	23	-	-	PUNCT
fsr-3909	101	24	ira	ira	PROPN
fsr-3909	101	25	financial	financial	ADJ
fsr-3909	101	26	data	datum	NOUN
fsr-3909	101	27	.	.	PUNCT
fsr-3909	102	1	these	these	PRON
fsr-3909	102	2	are	be	AUX
fsr-3909	102	3	the	the	DET
fsr-3909	102	4	only	only	ADJ
fsr-3909	102	5	retirement	retirement	NOUN
fsr-3909	102	6	categories	category	NOUN
fsr-3909	102	7	for	for	ADP
fsr-3909	102	8	which	which	PRON
fsr-3909	102	9	detailed	detailed	ADJ
fsr-3909	102	10	financial	financial	ADJ
fsr-3909	102	11	information	information	NOUN
fsr-3909	102	12	was	be	AUX
fsr-3909	102	13	collected	collect	VERB
fsr-3909	102	14	.	.	PUNCT
fsr-3909	103	1	iras	ira	NOUN
fsr-3909	103	2	and	and	CCONJ
fsr-3909	103	3	seps	sep	NOUN
fsr-3909	103	4	are	be	AUX
fsr-3909	103	5	voluntary	voluntary	ADJ
fsr-3909	103	6	plans	plan	NOUN
fsr-3909	103	7	that	that	PRON
fsr-3909	103	8	are	be	AUX
fsr-3909	103	9	more	more	ADV
fsr-3909	103	10	likely	likely	ADJ
fsr-3909	103	11	to	to	PART
fsr-3909	103	12	attract	attract	VERB
fsr-3909	103	13	individuals	individual	NOUN
fsr-3909	103	14	in	in	ADP
fsr-3909	103	15	upper	upper	ADJ
fsr-3909	103	16	income	income	NOUN
fsr-3909	103	17	categories	category	NOUN
fsr-3909	103	18	with	with	ADP
fsr-3909	103	19	sufficient	sufficient	ADJ
fsr-3909	103	20	funds	fund	NOUN
fsr-3909	103	21	to	to	PART
fsr-3909	103	22	set	set	VERB
fsr-3909	103	23	aside	aside	ADV
fsr-3909	103	24	for	for	ADP
fsr-3909	103	25	their	their	PRON
fsr-3909	103	26	retirements	retirement	NOUN
fsr-3909	103	27	.	.	PUNCT
fsr-3909	104	1	not	not	PART
fsr-3909	104	2	surprisingly	surprisingly	ADV
fsr-3909	104	3	,	,	PUNCT
fsr-3909	104	4	our	our	PRON
fsr-3909	104	5	sample	sample	NOUN
fsr-3909	104	6	is	be	AUX
fsr-3909	104	7	more	more	ADV
fsr-3909	104	8	educated	educated	ADJ
fsr-3909	104	9	and	and	CCONJ
fsr-3909	104	10	affluent	affluent	ADJ
fsr-3909	104	11	than	than	ADP
fsr-3909	104	12	the	the	DET
fsr-3909	104	13	population	population	NOUN
fsr-3909	104	14	as	as	ADP
fsr-3909	104	15	a	a	DET
fsr-3909	104	16	whole	whole	NOUN
fsr-3909	104	17	.	.	PUNCT
fsr-3909	105	1	the	the	DET
fsr-3909	105	2	majority	majority	NOUN
fsr-3909	105	3	of	of	ADP
fsr-3909	105	4	the	the	DET
fsr-3909	105	5	household	household	NOUN
fsr-3909	105	6	heads	head	NOUN
fsr-3909	105	7	have	have	AUX
fsr-3909	105	8	completed	complete	VERB
fsr-3909	105	9	college	college	NOUN
fsr-3909	105	10	(	(	PUNCT
fsr-3909	105	11	71	71	NUM
fsr-3909	105	12	%	%	NOUN
fsr-3909	105	13	)	)	PUNCT
fsr-3909	105	14	,	,	PUNCT
fsr-3909	105	15	and	and	CCONJ
fsr-3909	105	16	most	most	ADJ
fsr-3909	105	17	are	be	AUX
fsr-3909	105	18	married	married	ADJ
fsr-3909	105	19	(	(	PUNCT
fsr-3909	105	20	81	81	NUM
fsr-3909	105	21	%	%	NOUN
fsr-3909	105	22	)	)	PUNCT
fsr-3909	105	23	.	.	PUNCT
fsr-3909	106	1	the	the	DET
fsr-3909	106	2	average	average	ADJ
fsr-3909	106	3	annual	annual	ADJ
fsr-3909	106	4	income	income	NOUN
fsr-3909	106	5	of	of	ADP
fsr-3909	106	6	the	the	DET
fsr-3909	106	7	group	group	NOUN
fsr-3909	106	8	was	be	AUX
fsr-3909	106	9	$	$	SYM
fsr-3909	106	10	102,000	102,000	NUM
fsr-3909	106	11	and	and	CCONJ
fsr-3909	106	12	most	most	ADJ
fsr-3909	106	13	own	own	ADJ
fsr-3909	106	14	their	their	PRON
fsr-3909	106	15	own	own	ADJ
fsr-3909	106	16	homes	home	NOUN
fsr-3909	106	17	(	(	PUNCT
fsr-3909	106	18	92	92	NUM
fsr-3909	106	19	%	%	NOUN
fsr-3909	106	20	)	)	PUNCT
fsr-3909	106	21	.	.	PUNCT
fsr-3909	107	1	average	average	ADJ
fsr-3909	107	2	net	net	ADJ
fsr-3909	107	3	worth	worth	NOUN
fsr-3909	107	4	,	,	PUNCT
fsr-3909	107	5	including	include	VERB
fsr-3909	107	6	the	the	DET
fsr-3909	107	7	value	value	NOUN
fsr-3909	107	8	of	of	ADP
fsr-3909	107	9	homes	home	NOUN
fsr-3909	107	10	,	,	PUNCT
fsr-3909	107	11	is	be	AUX
fsr-3909	107	12	$	$	SYM
fsr-3909	107	13	725,000	725,000	NUM
fsr-3909	107	14	.	.	PUNCT
fsr-3909	108	1	the	the	DET
fsr-3909	108	2	average	average	ADJ
fsr-3909	108	3	age	age	NOUN
fsr-3909	108	4	of	of	ADP
fsr-3909	108	5	the	the	DET
fsr-3909	108	6	heads	head	NOUN
fsr-3909	108	7	of	of	ADP
fsr-3909	108	8	households	household	NOUN
fsr-3909	108	9	in	in	ADP
fsr-3909	108	10	our	our	PRON
fsr-3909	108	11	sample	sample	NOUN
fsr-3909	108	12	is	be	AUX
fsr-3909	108	13	51	51	NUM
fsr-3909	108	14	.	.	PUNCT
fsr-3909	109	1	our	our	PRON
fsr-3909	109	2	use	use	NOUN
fsr-3909	109	3	of	of	ADP
fsr-3909	109	4	ira	ira	PROPN
fsr-3909	109	5	data	datum	NOUN
fsr-3909	109	6	to	to	PART
fsr-3909	109	7	gain	gain	VERB
fsr-3909	109	8	insights	insight	NOUN
fsr-3909	109	9	into	into	ADP
fsr-3909	109	10	the	the	DET
fsr-3909	109	11	asset	asset	NOUN
fsr-3909	109	12	allocation	allocation	NOUN
fsr-3909	109	13	decisions	decision	NOUN
fsr-3909	109	14	of	of	ADP
fsr-3909	109	15	individual	individual	ADJ
fsr-3909	109	16	investors	investor	NOUN
fsr-3909	109	17	in	in	ADP
fsr-3909	109	18	retirement	retirement	NOUN
fsr-3909	109	19	accounts	account	NOUN
fsr-3909	109	20	has	have	VERB
fsr-3909	109	21	some	some	DET
fsr-3909	109	22	limitations	limitation	NOUN
fsr-3909	109	23	.	.	PUNCT
fsr-3909	110	1	while	while	SCONJ
fsr-3909	110	2	we	we	PRON
fsr-3909	110	3	have	have	VERB
fsr-3909	110	4	complete	complete	ADJ
fsr-3909	110	5	retirement	retirement	NOUN
fsr-3909	110	6	data	datum	NOUN
fsr-3909	110	7	on	on	ADP
fsr-3909	110	8	iras	ira	NOUN
fsr-3909	110	9	,	,	PUNCT
fsr-3909	110	10	individuals	individual	NOUN
fsr-3909	110	11	may	may	AUX
fsr-3909	110	12	have	have	VERB
fsr-3909	110	13	other	other	ADJ
fsr-3909	110	14	retirement	retirement	NOUN
fsr-3909	110	15	accounts	account	NOUN
fsr-3909	110	16	that	that	PRON
fsr-3909	110	17	enter	enter	VERB
fsr-3909	110	18	into	into	ADP
fsr-3909	110	19	their	their	PRON
fsr-3909	110	20	asset	asset	NOUN
fsr-3909	110	21	allocation	allocation	NOUN
fsr-3909	110	22	strategies	strategy	NOUN
fsr-3909	110	23	.	.	PUNCT
fsr-3909	111	1	for	for	ADP
fsr-3909	111	2	example	example	NOUN
fsr-3909	111	3	,	,	PUNCT
fsr-3909	111	4	individuals	individual	NOUN
fsr-3909	111	5	may	may	AUX
fsr-3909	111	6	hold	hold	VERB
fsr-3909	111	7	equity	equity	NOUN
fsr-3909	111	8	in	in	ADP
fsr-3909	111	9	their	their	PRON
fsr-3909	111	10	ira	ira	PROPN
fsr-3909	111	11	accounts	account	NOUN
fsr-3909	111	12	and	and	CCONJ
fsr-3909	111	13	bonds	bond	NOUN
fsr-3909	111	14	in	in	ADP
fsr-3909	111	15	their	their	PRON
fsr-3909	111	16	401(k	401(k	NOUN
fsr-3909	111	17	)	)	PUNCT
fsr-3909	111	18	accounts	account	NOUN
fsr-3909	111	19	;	;	PUNCT
fsr-3909	111	20	and	and	CCONJ
fsr-3909	111	21	we	we	PRON
fsr-3909	111	22	can	can	AUX
fsr-3909	111	23	only	only	ADV
fsr-3909	111	24	observe	observe	VERB
fsr-3909	111	25	the	the	DET
fsr-3909	111	26	former	former	NOUN
fsr-3909	111	27	.	.	PUNCT
fsr-3909	112	1	despite	despite	SCONJ
fsr-3909	112	2	this	this	DET
fsr-3909	112	3	fact	fact	NOUN
fsr-3909	112	4	,	,	PUNCT
fsr-3909	112	5	for	for	ADP
fsr-3909	112	6	the	the	DET
fsr-3909	112	7	reasons	reason	NOUN
fsr-3909	112	8	previously	previously	ADV
fsr-3909	112	9	stated	state	VERB
fsr-3909	112	10	,	,	PUNCT
fsr-3909	112	11	observation	observation	NOUN
fsr-3909	112	12	of	of	ADP
fsr-3909	112	13	activity	activity	NOUN
fsr-3909	112	14	within	within	ADP
fsr-3909	112	15	ira	ira	PROPN
fsr-3909	112	16	accounts	account	NOUN
fsr-3909	112	17	does	do	AUX
fsr-3909	112	18	provide	provide	VERB
fsr-3909	112	19	much	much	ADJ
fsr-3909	112	20	useful	useful	ADJ
fsr-3909	112	21	information	information	NOUN
fsr-3909	112	22	.	.	PUNCT
fsr-3909	113	1	table	table	NOUN
fsr-3909	113	2	1	1	NUM
fsr-3909	113	3	shows	show	VERB
fsr-3909	113	4	a	a	DET
fsr-3909	113	5	breakdown	breakdown	NOUN
fsr-3909	113	6	of	of	ADP
fsr-3909	113	7	the	the	DET
fsr-3909	113	8	sample	sample	NOUN
fsr-3909	113	9	size	size	NOUN
fsr-3909	113	10	by	by	ADP
fsr-3909	113	11	age	age	NOUN
fsr-3909	113	12	of	of	ADP
fsr-3909	113	13	the	the	DET
fsr-3909	113	14	head	head	NOUN
fsr-3909	113	15	of	of	ADP
fsr-3909	113	16	household	household	NOUN
fsr-3909	113	17	and	and	CCONJ
fsr-3909	113	18	family	family	NOUN
fsr-3909	113	19	net	net	ADJ
fsr-3909	113	20	worth	worth	NOUN
fsr-3909	113	21	,	,	PUNCT
fsr-3909	113	22	including	include	VERB
fsr-3909	113	23	home	home	NOUN
fsr-3909	113	24	value	value	NOUN
fsr-3909	113	25	.	.	PUNCT
fsr-3909	114	1	for	for	ADP
fsr-3909	114	2	presentation	presentation	NOUN
fsr-3909	114	3	purposes	purpose	NOUN
fsr-3909	114	4	,	,	PUNCT
fsr-3909	114	5	we	we	PRON
fsr-3909	114	6	have	have	AUX
fsr-3909	114	7	broken	break	VERB
fsr-3909	114	8	both	both	DET
fsr-3909	114	9	age	age	NOUN
fsr-3909	114	10	and	and	CCONJ
fsr-3909	114	11	net	net	ADJ
fsr-3909	114	12	worth	worth	NOUN
fsr-3909	114	13	into	into	ADP
fsr-3909	114	14	four	four	NUM
fsr-3909	114	15	categories	category	NOUN
fsr-3909	114	16	,	,	PUNCT
fsr-3909	114	17	giving	give	VERB
fsr-3909	114	18	us	we	PRON
fsr-3909	114	19	a	a	DET
fsr-3909	114	20	total	total	NOUN
fsr-3909	114	21	of	of	ADP
fsr-3909	114	22	16	16	NUM
fsr-3909	114	23	different	different	ADJ
fsr-3909	114	24	groups	group	NOUN
fsr-3909	114	25	.	.	PUNCT
fsr-3909	115	1	as	as	SCONJ
fsr-3909	115	2	expected	expect	VERB
fsr-3909	115	3	,	,	PUNCT
fsr-3909	115	4	there	there	PRON
fsr-3909	115	5	is	be	VERB
fsr-3909	115	6	a	a	DET
fsr-3909	115	7	direct	direct	ADJ
fsr-3909	115	8	relationship	relationship	NOUN
fsr-3909	115	9	between	between	ADP
fsr-3909	115	10	age	age	NOUN
fsr-3909	115	11	and	and	CCONJ
fsr-3909	115	12	net	net	ADJ
fsr-3909	115	13	worth	worth	ADJ
fsr-3909	115	14	such	such	ADJ
fsr-3909	115	15	that	that	SCONJ
fsr-3909	115	16	the	the	DET
fsr-3909	115	17	youngest	young	ADJ
fsr-3909	115	18	people	people	NOUN
fsr-3909	115	19	are	be	AUX
fsr-3909	115	20	predominantly	predominantly	ADV
fsr-3909	115	21	in	in	ADP
fsr-3909	115	22	the	the	DET
fsr-3909	115	23	lowest	low	ADJ
fsr-3909	115	24	net	net	ADJ
fsr-3909	115	25	worth	worth	NOUN
fsr-3909	115	26	quartile	quartile	NOUN
fsr-3909	115	27	,	,	PUNCT
fsr-3909	115	28	while	while	SCONJ
fsr-3909	115	29	the	the	DET
fsr-3909	115	30	oldest	old	ADJ
fsr-3909	115	31	people	people	NOUN
fsr-3909	115	32	are	be	AUX
fsr-3909	115	33	primarily	primarily	ADV
fsr-3909	115	34	in	in	ADP
fsr-3909	115	35	the	the	DET
fsr-3909	115	36	upper	upper	ADJ
fsr-3909	115	37	net	net	NOUN
fsr-3909	115	38	worth	worth	ADJ
fsr-3909	115	39	quartiles	quartile	NOUN
fsr-3909	115	40	.	.	PUNCT
fsr-3909	115	41	83d	83d	PROPN
fsr-3909	115	42	.	.	PUNCT
fsr-3909	116	1	waggle	waggle	PROPN
fsr-3909	116	2	,	,	PUNCT
fsr-3909	116	3	b.	b.	PROPN
fsr-3909	116	4	englis	englis	PROPN
fsr-3909	116	5	/	/	SYM
fsr-3909	116	6	financial	financial	ADJ
fsr-3909	116	7	services	service	NOUN
fsr-3909	116	8	review	review	VERB
fsr-3909	116	9	9	9	NUM
fsr-3909	116	10	(	(	PUNCT
fsr-3909	116	11	2000	2000	NUM
fsr-3909	116	12	)	)	PUNCT
fsr-3909	116	13	79–92	79–92	NUM
fsr-3909	116	14	4	4	NUM
fsr-3909	116	15	.	.	PUNCT
fsr-3909	117	1	empirical	empirical	ADJ
fsr-3909	117	2	results	result	NOUN
fsr-3909	117	3	4.1	4.1	NUM
fsr-3909	117	4	.	.	PUNCT
fsr-3909	118	1	descriptive	descriptive	ADJ
fsr-3909	118	2	statistics	statistic	NOUN
fsr-3909	118	3	in	in	ADP
fsr-3909	118	4	table	table	NOUN
fsr-3909	118	5	2	2	NUM
fsr-3909	118	6	we	we	PRON
fsr-3909	118	7	show	show	VERB
fsr-3909	118	8	the	the	DET
fsr-3909	118	9	retirement	retirement	NOUN
fsr-3909	118	10	portfolio	portfolio	NOUN
fsr-3909	118	11	allocation	allocation	NOUN
fsr-3909	118	12	decisions	decision	NOUN
fsr-3909	118	13	between	between	ADP
fsr-3909	118	14	cash	cash	NOUN
fsr-3909	118	15	,	,	PUNCT
fsr-3909	118	16	bonds	bond	NOUN
fsr-3909	118	17	,	,	PUNCT
fsr-3909	118	18	and	and	CCONJ
fsr-3909	118	19	equity	equity	NOUN
fsr-3909	118	20	as	as	ADP
fsr-3909	118	21	a	a	DET
fsr-3909	118	22	function	function	NOUN
fsr-3909	118	23	of	of	ADP
fsr-3909	118	24	the	the	DET
fsr-3909	118	25	age	age	NOUN
fsr-3909	118	26	of	of	ADP
fsr-3909	118	27	the	the	DET
fsr-3909	118	28	head	head	NOUN
fsr-3909	118	29	of	of	ADP
fsr-3909	118	30	household	household	NOUN
fsr-3909	118	31	and	and	CCONJ
fsr-3909	118	32	net	net	ADJ
fsr-3909	118	33	worth	worth	NOUN
fsr-3909	118	34	.	.	PUNCT
fsr-3909	119	1	cash	cash	NOUN
fsr-3909	119	2	includes	include	VERB
fsr-3909	119	3	savings	saving	NOUN
fsr-3909	119	4	accounts	account	NOUN
fsr-3909	119	5	,	,	PUNCT
fsr-3909	119	6	savings	saving	NOUN
fsr-3909	119	7	certificates	certificate	NOUN
fsr-3909	119	8	,	,	PUNCT
fsr-3909	119	9	money	money	NOUN
fsr-3909	119	10	market	market	NOUN
fsr-3909	119	11	accounts	account	NOUN
fsr-3909	119	12	,	,	PUNCT
fsr-3909	119	13	and	and	CCONJ
fsr-3909	119	14	money	money	NOUN
fsr-3909	119	15	market	market	NOUN
fsr-3909	119	16	mutual	mutual	ADJ
fsr-3909	119	17	funds	fund	NOUN
fsr-3909	119	18	.	.	PUNCT
fsr-3909	120	1	the	the	DET
fsr-3909	120	2	bond	bond	NOUN
fsr-3909	120	3	category	category	NOUN
fsr-3909	120	4	includes	include	VERB
fsr-3909	120	5	bonds	bond	NOUN
fsr-3909	120	6	of	of	ADP
fsr-3909	120	7	all	all	DET
fsr-3909	120	8	types	type	NOUN
fsr-3909	120	9	and	and	CCONJ
fsr-3909	120	10	bond	bond	NOUN
fsr-3909	120	11	mutual	mutual	ADJ
fsr-3909	120	12	funds	fund	NOUN
fsr-3909	120	13	,	,	PUNCT
fsr-3909	120	14	as	as	ADV
fsr-3909	120	15	well	well	ADV
fsr-3909	120	16	as	as	ADP
fsr-3909	120	17	any	any	DET
fsr-3909	120	18	annuities	annuity	NOUN
fsr-3909	120	19	.	.	PUNCT
fsr-3909	121	1	equity	equity	NOUN
fsr-3909	121	2	includes	include	VERB
fsr-3909	121	3	holdings	holding	NOUN
fsr-3909	121	4	of	of	ADP
fsr-3909	121	5	both	both	DET
fsr-3909	121	6	stocks	stock	NOUN
fsr-3909	121	7	and	and	CCONJ
fsr-3909	121	8	stock	stock	NOUN
fsr-3909	121	9	mutual	mutual	ADJ
fsr-3909	121	10	funds	fund	NOUN
fsr-3909	121	11	.	.	PUNCT
fsr-3909	122	1	the	the	DET
fsr-3909	122	2	portfolio	portfolio	NOUN
fsr-3909	122	3	allocation	allocation	NOUN
fsr-3909	122	4	percentages	percentage	NOUN
fsr-3909	122	5	are	be	AUX
fsr-3909	122	6	simply	simply	ADV
fsr-3909	122	7	the	the	DET
fsr-3909	122	8	dollar	dollar	NOUN
fsr-3909	122	9	amount	amount	NOUN
fsr-3909	122	10	in	in	ADP
fsr-3909	122	11	each	each	DET
fsr-3909	122	12	category	category	NOUN
fsr-3909	122	13	divided	divide	VERB
fsr-3909	122	14	by	by	ADP
fsr-3909	122	15	the	the	DET
fsr-3909	122	16	total	total	ADJ
fsr-3909	122	17	assets	asset	NOUN
fsr-3909	122	18	in	in	ADP
fsr-3909	122	19	the	the	DET
fsr-3909	122	20	retirement	retirement	NOUN
fsr-3909	122	21	account	account	NOUN
fsr-3909	122	22	.	.	PUNCT
fsr-3909	123	1	the	the	DET
fsr-3909	123	2	table	table	NOUN
fsr-3909	123	3	shows	show	VERB
fsr-3909	123	4	that	that	SCONJ
fsr-3909	123	5	investment	investment	NOUN
fsr-3909	123	6	decisions	decision	NOUN
fsr-3909	123	7	are	be	AUX
fsr-3909	123	8	clearly	clearly	ADV
fsr-3909	123	9	related	relate	VERB
fsr-3909	123	10	to	to	ADP
fsr-3909	123	11	both	both	DET
fsr-3909	123	12	age	age	NOUN
fsr-3909	123	13	and	and	CCONJ
fsr-3909	123	14	net	net	ADJ
fsr-3909	123	15	worth	worth	NOUN
fsr-3909	123	16	.	.	PUNCT
fsr-3909	124	1	higher	high	ADJ
fsr-3909	124	2	age	age	NOUN
fsr-3909	124	3	groups	group	NOUN
fsr-3909	124	4	invest	invest	VERB
fsr-3909	124	5	less	less	ADV
fsr-3909	124	6	in	in	ADP
fsr-3909	124	7	equity	equity	NOUN
fsr-3909	124	8	,	,	PUNCT
fsr-3909	124	9	and	and	CCONJ
fsr-3909	124	10	higher	high	ADJ
fsr-3909	124	11	net	net	ADJ
fsr-3909	124	12	worth	worth	ADJ
fsr-3909	124	13	groups	group	NOUN
fsr-3909	124	14	invest	invest	VERB
fsr-3909	124	15	more	more	ADJ
fsr-3909	124	16	.	.	PUNCT
fsr-3909	125	1	table	table	NOUN
fsr-3909	125	2	1	1	NUM
fsr-3909	125	3	sample	sample	NOUN
fsr-3909	125	4	size	size	NOUN
fsr-3909	125	5	by	by	ADP
fsr-3909	125	6	age	age	NOUN
fsr-3909	125	7	and	and	CCONJ
fsr-3909	125	8	net	net	ADJ
fsr-3909	125	9	worth	worth	ADJ
fsr-3909	125	10	net	net	PROPN
fsr-3909	125	11	worth	worth	ADJ
fsr-3909	125	12	quartile	quartile	NOUN
fsr-3909	125	13	age	age	NOUN
fsr-3909	125	14	,	,	PUNCT
fsr-3909	125	15	45	45	NUM
fsr-3909	125	16	45–54	45–54	NUM
fsr-3909	125	17	55–64	55–64	NUM
fsr-3909	125	18	651	651	NUM
fsr-3909	125	19	total	total	NOUN
fsr-3909	125	20	lowest	low	ADJ
fsr-3909	125	21	144	144	NUM
fsr-3909	125	22	58	58	NUM
fsr-3909	125	23	19	19	NUM
fsr-3909	125	24	14	14	NUM
fsr-3909	125	25	235	235	NUM
fsr-3909	125	26	second	second	ADJ
fsr-3909	125	27	84	84	NUM
fsr-3909	125	28	80	80	NUM
fsr-3909	125	29	43	43	NUM
fsr-3909	125	30	29	29	NUM
fsr-3909	125	31	236	236	NUM
fsr-3909	125	32	third	third	NOUN
fsr-3909	125	33	49	49	NUM
fsr-3909	125	34	100	100	NUM
fsr-3909	125	35	42	42	NUM
fsr-3909	125	36	44	44	NUM
fsr-3909	125	37	235	235	NUM
fsr-3909	125	38	highest	high	ADJ
fsr-3909	125	39	27	27	NUM
fsr-3909	125	40	66	66	NUM
fsr-3909	125	41	73	73	NUM
fsr-3909	125	42	70	70	NUM
fsr-3909	125	43	236	236	NUM
fsr-3909	125	44	total	total	NOUN
fsr-3909	125	45	304	304	NUM
fsr-3909	125	46	304	304	NUM
fsr-3909	125	47	177	177	NUM
fsr-3909	125	48	157	157	NUM
fsr-3909	125	49	942	942	NUM
fsr-3909	125	50	table	table	NOUN
fsr-3909	125	51	2	2	NUM
fsr-3909	125	52	asset	asset	NOUN
fsr-3909	125	53	allocation	allocation	NOUN
fsr-3909	125	54	by	by	ADP
fsr-3909	125	55	age	age	NOUN
fsr-3909	125	56	and	and	CCONJ
fsr-3909	125	57	net	net	ADJ
fsr-3909	125	58	worth	worth	ADJ
fsr-3909	125	59	net	net	PROPN
fsr-3909	125	60	worth	worth	ADJ
fsr-3909	125	61	quartile	quartile	ADJ
fsr-3909	125	62	asset	asset	NOUN
fsr-3909	125	63	age	age	NOUN
fsr-3909	125	64	,	,	PUNCT
fsr-3909	125	65	45	45	NUM
fsr-3909	125	66	45–54	45–54	NUM
fsr-3909	125	67	55–64	55–64	NUM
fsr-3909	125	68	651	651	NUM
fsr-3909	125	69	lowest	low	ADJ
fsr-3909	125	70	cash	cash	NOUN
fsr-3909	125	71	37.1	37.1	NUM
fsr-3909	125	72	%	%	NOUN
fsr-3909	125	73	46.4	46.4	NUM
fsr-3909	125	74	%	%	NOUN
fsr-3909	125	75	70.9	70.9	NUM
fsr-3909	125	76	%	%	NOUN
fsr-3909	125	77	78.6	78.6	NUM
fsr-3909	125	78	%	%	NOUN
fsr-3909	125	79	bonds	bond	NOUN
fsr-3909	125	80	9.7	9.7	NUM
fsr-3909	125	81	%	%	NOUN
fsr-3909	125	82	11.0	11.0	NUM
fsr-3909	125	83	%	%	NOUN
fsr-3909	125	84	4.2	4.2	NUM
fsr-3909	125	85	%	%	NOUN
fsr-3909	125	86	21.4	21.4	NUM
fsr-3909	125	87	%	%	NOUN
fsr-3909	125	88	equity	equity	NOUN
fsr-3909	125	89	53.1	53.1	NUM
fsr-3909	125	90	%	%	NOUN
fsr-3909	125	91	42.6	42.6	NUM
fsr-3909	125	92	%	%	NOUN
fsr-3909	125	93	24.9	24.9	NUM
fsr-3909	125	94	%	%	NOUN
fsr-3909	125	95	0.0	0.0	NUM
fsr-3909	125	96	%	%	NOUN
fsr-3909	125	97	second	second	ADJ
fsr-3909	125	98	cash	cash	NOUN
fsr-3909	125	99	31.3	31.3	NUM
fsr-3909	125	100	%	%	NOUN
fsr-3909	125	101	32.6	32.6	NUM
fsr-3909	125	102	%	%	NOUN
fsr-3909	125	103	46.1	46.1	NUM
fsr-3909	125	104	%	%	NOUN
fsr-3909	125	105	71.3	71.3	NUM
fsr-3909	125	106	%	%	NOUN
fsr-3909	125	107	bonds	bond	NOUN
fsr-3909	125	108	6.1	6.1	NUM
fsr-3909	125	109	%	%	NOUN
fsr-3909	125	110	10.6	10.6	NUM
fsr-3909	125	111	%	%	NOUN
fsr-3909	125	112	12.8	12.8	NUM
fsr-3909	125	113	%	%	NOUN
fsr-3909	125	114	13.0	13.0	NUM
fsr-3909	125	115	%	%	NOUN
fsr-3909	125	116	equity	equity	NOUN
fsr-3909	125	117	62.6	62.6	NUM
fsr-3909	125	118	%	%	NOUN
fsr-3909	125	119	56.9	56.9	NUM
fsr-3909	125	120	%	%	NOUN
fsr-3909	125	121	41.1	41.1	NUM
fsr-3909	125	122	%	%	NOUN
fsr-3909	125	123	15.7	15.7	NUM
fsr-3909	125	124	%	%	NOUN
fsr-3909	125	125	third	third	ADJ
fsr-3909	125	126	cash	cash	NOUN
fsr-3909	125	127	18.9	18.9	NUM
fsr-3909	125	128	%	%	NOUN
fsr-3909	125	129	23.9	23.9	NUM
fsr-3909	125	130	%	%	NOUN
fsr-3909	125	131	29.1	29.1	NUM
fsr-3909	125	132	%	%	NOUN
fsr-3909	125	133	55.1	55.1	NUM
fsr-3909	125	134	%	%	NOUN
fsr-3909	125	135	bonds	bond	NOUN
fsr-3909	125	136	12.5	12.5	NUM
fsr-3909	125	137	%	%	NOUN
fsr-3909	125	138	14.0	14.0	NUM
fsr-3909	125	139	%	%	NOUN
fsr-3909	125	140	17.3	17.3	NUM
fsr-3909	125	141	%	%	NOUN
fsr-3909	125	142	13.8	13.8	NUM
fsr-3909	125	143	%	%	NOUN
fsr-3909	125	144	equity	equity	NOUN
fsr-3909	125	145	68.6	68.6	NUM
fsr-3909	125	146	%	%	NOUN
fsr-3909	125	147	62.1	62.1	NUM
fsr-3909	125	148	%	%	NOUN
fsr-3909	125	149	53.6	53.6	NUM
fsr-3909	125	150	%	%	NOUN
fsr-3909	125	151	31.1	31.1	NUM
fsr-3909	125	152	%	%	NOUN
fsr-3909	125	153	highest	high	ADJ
fsr-3909	125	154	cash	cash	NOUN
fsr-3909	125	155	25.3	25.3	NUM
fsr-3909	125	156	%	%	NOUN
fsr-3909	125	157	18.0	18.0	NUM
fsr-3909	125	158	%	%	NOUN
fsr-3909	125	159	19.5	19.5	NUM
fsr-3909	125	160	%	%	NOUN
fsr-3909	125	161	34.4	34.4	NUM
fsr-3909	125	162	%	%	NOUN
fsr-3909	125	163	bonds	bond	NOUN
fsr-3909	125	164	3.5	3.5	NUM
fsr-3909	125	165	%	%	NOUN
fsr-3909	125	166	12.5	12.5	NUM
fsr-3909	125	167	%	%	NOUN
fsr-3909	125	168	16.8	16.8	NUM
fsr-3909	125	169	%	%	NOUN
fsr-3909	125	170	13.9	13.9	NUM
fsr-3909	125	171	%	%	NOUN
fsr-3909	125	172	equity	equity	NOUN
fsr-3909	125	173	71.2	71.2	NUM
fsr-3909	125	174	%	%	NOUN
fsr-3909	125	175	69.5	69.5	NUM
fsr-3909	125	176	%	%	NOUN
fsr-3909	125	177	63.7	63.7	NUM
fsr-3909	125	178	%	%	NOUN
fsr-3909	125	179	51.7	51.7	NUM
fsr-3909	125	180	%	%	NOUN
fsr-3909	125	181	the	the	DET
fsr-3909	125	182	table	table	NOUN
fsr-3909	125	183	presents	present	VERB
fsr-3909	125	184	the	the	DET
fsr-3909	125	185	average	average	ADJ
fsr-3909	125	186	decision	decision	NOUN
fsr-3909	125	187	of	of	ADP
fsr-3909	125	188	respondents	respondent	NOUN
fsr-3909	125	189	regarding	regard	VERB
fsr-3909	125	190	the	the	DET
fsr-3909	125	191	percent	percent	NOUN
fsr-3909	125	192	of	of	ADP
fsr-3909	125	193	total	total	ADJ
fsr-3909	125	194	retirement	retirement	NOUN
fsr-3909	125	195	dollars	dollar	NOUN
fsr-3909	125	196	invested	invest	VERB
fsr-3909	125	197	in	in	ADP
fsr-3909	125	198	each	each	DET
fsr-3909	125	199	asset	asset	NOUN
fsr-3909	125	200	category	category	NOUN
fsr-3909	125	201	based	base	VERB
fsr-3909	125	202	on	on	ADP
fsr-3909	125	203	the	the	DET
fsr-3909	125	204	family	family	NOUN
fsr-3909	125	205	net	net	NOUN
fsr-3909	125	206	worth	worth	NOUN
fsr-3909	125	207	and	and	CCONJ
fsr-3909	125	208	the	the	DET
fsr-3909	125	209	age	age	NOUN
fsr-3909	125	210	of	of	ADP
fsr-3909	125	211	the	the	DET
fsr-3909	125	212	head	head	NOUN
fsr-3909	125	213	of	of	ADP
fsr-3909	125	214	household	household	NOUN
fsr-3909	125	215	.	.	PUNCT
fsr-3909	126	1	for	for	ADP
fsr-3909	126	2	example	example	NOUN
fsr-3909	126	3	,	,	PUNCT
fsr-3909	126	4	the	the	DET
fsr-3909	126	5	percentage	percentage	NOUN
fsr-3909	126	6	cash	cash	NOUN
fsr-3909	126	7	is	be	AUX
fsr-3909	126	8	total	total	ADJ
fsr-3909	126	9	cash	cash	NOUN
fsr-3909	126	10	in	in	ADP
fsr-3909	126	11	the	the	DET
fsr-3909	126	12	retirement	retirement	NOUN
fsr-3909	126	13	account	account	NOUN
fsr-3909	126	14	divided	divide	VERB
fsr-3909	126	15	by	by	ADP
fsr-3909	126	16	the	the	DET
fsr-3909	126	17	total	total	ADJ
fsr-3909	126	18	assets	asset	NOUN
fsr-3909	126	19	in	in	ADP
fsr-3909	126	20	the	the	DET
fsr-3909	126	21	retirement	retirement	NOUN
fsr-3909	126	22	account	account	NOUN
fsr-3909	126	23	.	.	PUNCT
fsr-3909	127	1	for	for	ADP
fsr-3909	127	2	each	each	DET
fsr-3909	127	3	age	age	NOUN
fsr-3909	127	4	/	/	SYM
fsr-3909	127	5	net	net	ADJ
fsr-3909	127	6	worth	worth	ADJ
fsr-3909	127	7	category	category	NOUN
fsr-3909	127	8	,	,	PUNCT
fsr-3909	127	9	the	the	DET
fsr-3909	127	10	sum	sum	NOUN
fsr-3909	127	11	of	of	ADP
fsr-3909	127	12	cash	cash	NOUN
fsr-3909	127	13	,	,	PUNCT
fsr-3909	127	14	bonds	bond	NOUN
fsr-3909	127	15	,	,	PUNCT
fsr-3909	127	16	and	and	CCONJ
fsr-3909	127	17	equity	equity	NOUN
fsr-3909	127	18	equals	equal	VERB
fsr-3909	127	19	100	100	NUM
fsr-3909	127	20	%	%	NOUN
fsr-3909	127	21	.	.	PUNCT
fsr-3909	128	1	(	(	PUNCT
fsr-3909	128	2	there	there	PRON
fsr-3909	128	3	may	may	AUX
fsr-3909	128	4	be	be	AUX
fsr-3909	128	5	small	small	ADJ
fsr-3909	128	6	differences	difference	NOUN
fsr-3909	128	7	due	due	ADJ
fsr-3909	128	8	to	to	ADP
fsr-3909	128	9	rounding	round	VERB
fsr-3909	128	10	.	.	PUNCT
fsr-3909	128	11	)	)	PUNCT
fsr-3909	129	1	84	84	NUM
fsr-3909	129	2	d.	d.	NOUN
fsr-3909	129	3	waggle	waggle	PROPN
fsr-3909	129	4	,	,	PUNCT
fsr-3909	129	5	b.	b.	PROPN
fsr-3909	129	6	englis	englis	PROPN
fsr-3909	129	7	/	/	SYM
fsr-3909	129	8	financial	financial	ADJ
fsr-3909	129	9	services	service	NOUN
fsr-3909	129	10	review	review	VERB
fsr-3909	129	11	9	9	NUM
fsr-3909	129	12	(	(	PUNCT
fsr-3909	129	13	2000	2000	NUM
fsr-3909	129	14	)	)	PUNCT
fsr-3909	129	15	79–92	79–92	NOUN
fsr-3909	129	16	a	a	DET
fsr-3909	129	17	surprising	surprising	ADJ
fsr-3909	129	18	observation	observation	NOUN
fsr-3909	129	19	is	be	AUX
fsr-3909	129	20	the	the	DET
fsr-3909	129	21	predominance	predominance	NOUN
fsr-3909	129	22	of	of	ADP
fsr-3909	129	23	cash	cash	NOUN
fsr-3909	129	24	in	in	ADP
fsr-3909	129	25	the	the	DET
fsr-3909	129	26	retirement	retirement	NOUN
fsr-3909	129	27	portfolios	portfolio	NOUN
fsr-3909	129	28	.	.	PUNCT
fsr-3909	130	1	across	across	ADP
fsr-3909	130	2	all	all	DET
fsr-3909	130	3	16	16	NUM
fsr-3909	130	4	age	age	NOUN
fsr-3909	130	5	by	by	ADP
fsr-3909	130	6	net	net	ADJ
fsr-3909	130	7	worth	worth	ADJ
fsr-3909	130	8	groups	group	NOUN
fsr-3909	130	9	,	,	PUNCT
fsr-3909	130	10	the	the	DET
fsr-3909	130	11	average	average	ADJ
fsr-3909	130	12	allocation	allocation	NOUN
fsr-3909	130	13	to	to	ADP
fsr-3909	130	14	cash	cash	NOUN
fsr-3909	130	15	is	be	AUX
fsr-3909	130	16	34.4	34.4	NUM
fsr-3909	130	17	%	%	NOUN
fsr-3909	130	18	,	,	PUNCT
fsr-3909	130	19	with	with	ADP
fsr-3909	130	20	bond	bond	NOUN
fsr-3909	130	21	and	and	CCONJ
fsr-3909	130	22	equity	equity	NOUN
fsr-3909	130	23	holdings	holding	NOUN
fsr-3909	130	24	at	at	ADP
fsr-3909	130	25	11.9	11.9	NUM
fsr-3909	130	26	%	%	NOUN
fsr-3909	130	27	and	and	CCONJ
fsr-3909	130	28	53.7	53.7	NUM
fsr-3909	130	29	%	%	NOUN
fsr-3909	130	30	,	,	PUNCT
fsr-3909	130	31	respectively	respectively	ADV
fsr-3909	130	32	.	.	PUNCT
fsr-3909	131	1	of	of	ADP
fsr-3909	131	2	particular	particular	ADJ
fsr-3909	131	3	note	note	NOUN
fsr-3909	131	4	is	be	AUX
fsr-3909	131	5	the	the	DET
fsr-3909	131	6	finding	finding	NOUN
fsr-3909	131	7	that	that	SCONJ
fsr-3909	131	8	cash	cash	NOUN
fsr-3909	131	9	is	be	AUX
fsr-3909	131	10	weighted	weight	VERB
fsr-3909	131	11	much	much	ADV
fsr-3909	131	12	more	more	ADV
fsr-3909	131	13	heavily	heavily	ADV
fsr-3909	131	14	than	than	ADP
fsr-3909	131	15	bonds	bond	NOUN
fsr-3909	131	16	.	.	PUNCT
fsr-3909	132	1	in	in	ADP
fsr-3909	132	2	fact	fact	NOUN
fsr-3909	132	3	,	,	PUNCT
fsr-3909	132	4	76.3	76.3	NUM
fsr-3909	132	5	%	%	NOUN
fsr-3909	132	6	of	of	ADP
fsr-3909	132	7	the	the	DET
fsr-3909	132	8	total	total	ADJ
fsr-3909	132	9	sample	sample	NOUN
fsr-3909	132	10	holds	hold	VERB
fsr-3909	132	11	no	no	DET
fsr-3909	132	12	bonds	bond	NOUN
fsr-3909	132	13	whatsoever	whatsoever	ADV
fsr-3909	132	14	in	in	ADP
fsr-3909	132	15	their	their	PRON
fsr-3909	132	16	retirement	retirement	NOUN
fsr-3909	132	17	accounts	account	NOUN
fsr-3909	132	18	.	.	PUNCT
fsr-3909	133	1	based	base	VERB
fsr-3909	133	2	on	on	ADP
fsr-3909	133	3	expectations	expectation	NOUN
fsr-3909	133	4	derived	derive	VERB
fsr-3909	133	5	from	from	ADP
fsr-3909	133	6	finance	finance	NOUN
fsr-3909	133	7	theory	theory	NOUN
fsr-3909	133	8	,	,	PUNCT
fsr-3909	133	9	bonds	bond	NOUN
fsr-3909	133	10	are	be	AUX
fsr-3909	133	11	underrepresented	underrepresente	VERB
fsr-3909	133	12	in	in	ADP
fsr-3909	133	13	the	the	DET
fsr-3909	133	14	portfolios	portfolio	NOUN
fsr-3909	133	15	and	and	CCONJ
fsr-3909	133	16	cash	cash	NOUN
fsr-3909	133	17	is	be	AUX
fsr-3909	133	18	over	over	ADV
fsr-3909	133	19	-	-	PUNCT
fsr-3909	133	20	represented	represent	VERB
fsr-3909	133	21	.	.	PUNCT
fsr-3909	134	1	as	as	SCONJ
fsr-3909	134	2	previously	previously	ADV
fsr-3909	134	3	noted	note	VERB
fsr-3909	134	4	,	,	PUNCT
fsr-3909	134	5	the	the	DET
fsr-3909	134	6	classic	classic	ADJ
fsr-3909	134	7	recommendation	recommendation	NOUN
fsr-3909	134	8	for	for	ADP
fsr-3909	134	9	long	long	ADJ
fsr-3909	134	10	-	-	PUNCT
fsr-3909	134	11	term	term	NOUN
fsr-3909	134	12	retirement	retirement	NOUN
fsr-3909	134	13	accounts	account	NOUN
fsr-3909	134	14	is	be	AUX
fsr-3909	134	15	to	to	PART
fsr-3909	134	16	place	place	VERB
fsr-3909	134	17	assets	asset	NOUN
fsr-3909	134	18	primarily	primarily	ADV
fsr-3909	134	19	in	in	ADP
fsr-3909	134	20	long	long	ADJ
fsr-3909	134	21	-	-	PUNCT
fsr-3909	134	22	term	term	NOUN
fsr-3909	134	23	bonds	bond	NOUN
fsr-3909	134	24	and	and	CCONJ
fsr-3909	134	25	equity	equity	NOUN
fsr-3909	134	26	.	.	PUNCT
fsr-3909	135	1	cash	cash	NOUN
fsr-3909	135	2	should	should	AUX
fsr-3909	135	3	be	be	AUX
fsr-3909	135	4	held	hold	VERB
fsr-3909	135	5	in	in	ADP
fsr-3909	135	6	nonretirement	nonretirement	ADJ
fsr-3909	135	7	accounts	account	NOUN
fsr-3909	135	8	.	.	PUNCT
fsr-3909	136	1	while	while	SCONJ
fsr-3909	136	2	we	we	PRON
fsr-3909	136	3	expect	expect	VERB
fsr-3909	136	4	a	a	DET
fsr-3909	136	5	distribution	distribution	NOUN
fsr-3909	136	6	about	about	ADP
fsr-3909	136	7	a	a	DET
fsr-3909	136	8	perceived	perceive	VERB
fsr-3909	136	9	optimal	optimal	ADJ
fsr-3909	136	10	percentage	percentage	NOUN
fsr-3909	136	11	allocation	allocation	NOUN
fsr-3909	136	12	to	to	ADP
fsr-3909	136	13	equity	equity	NOUN
fsr-3909	136	14	(	(	PUNCT
fsr-3909	136	15	or	or	CCONJ
fsr-3909	136	16	bonds	bond	NOUN
fsr-3909	136	17	or	or	CCONJ
fsr-3909	136	18	cash	cash	NOUN
fsr-3909	136	19	)	)	PUNCT
fsr-3909	136	20	with	with	ADP
fsr-3909	136	21	gradual	gradual	ADJ
fsr-3909	136	22	declines	decline	NOUN
fsr-3909	136	23	in	in	ADP
fsr-3909	136	24	allocation	allocation	NOUN
fsr-3909	136	25	to	to	ADP
fsr-3909	136	26	either	either	DET
fsr-3909	136	27	side	side	NOUN
fsr-3909	136	28	of	of	ADP
fsr-3909	136	29	the	the	DET
fsr-3909	136	30	ideal	ideal	NOUN
fsr-3909	136	31	,	,	PUNCT
fsr-3909	136	32	tables	table	VERB
fsr-3909	136	33	3	3	NUM
fsr-3909	136	34	and	and	CCONJ
fsr-3909	136	35	4	4	NUM
fsr-3909	136	36	reveal	reveal	VERB
fsr-3909	136	37	that	that	SCONJ
fsr-3909	136	38	the	the	DET
fsr-3909	136	39	distributions	distribution	NOUN
fsr-3909	136	40	are	be	AUX
fsr-3909	136	41	somewhat	somewhat	ADV
fsr-3909	136	42	bimodal	bimodal	NOUN
fsr-3909	136	43	in	in	ADP
fsr-3909	136	44	nature	nature	NOUN
fsr-3909	136	45	.	.	PUNCT
fsr-3909	137	1	for	for	ADP
fsr-3909	137	2	example	example	NOUN
fsr-3909	137	3	,	,	PUNCT
fsr-3909	137	4	for	for	ADP
fsr-3909	137	5	respondents	respondent	NOUN
fsr-3909	137	6	under	under	ADP
fsr-3909	137	7	age	age	NOUN
fsr-3909	137	8	45	45	NUM
fsr-3909	137	9	,	,	PUNCT
fsr-3909	137	10	the	the	DET
fsr-3909	137	11	average	average	ADJ
fsr-3909	137	12	equity	equity	NOUN
fsr-3909	137	13	allocation	allocation	NOUN
fsr-3909	137	14	is	be	AUX
fsr-3909	137	15	59.8	59.8	NUM
fsr-3909	137	16	%	%	NOUN
fsr-3909	137	17	,	,	PUNCT
fsr-3909	137	18	so	so	CCONJ
fsr-3909	137	19	we	we	PRON
fsr-3909	137	20	might	might	AUX
fsr-3909	137	21	expect	expect	VERB
fsr-3909	137	22	that	that	SCONJ
fsr-3909	137	23	most	most	ADJ
fsr-3909	137	24	individuals	individual	NOUN
fsr-3909	137	25	would	would	AUX
fsr-3909	137	26	have	have	VERB
fsr-3909	137	27	between	between	ADP
fsr-3909	137	28	50	50	NUM
fsr-3909	137	29	and	and	CCONJ
fsr-3909	137	30	75	75	NUM
fsr-3909	137	31	%	%	NOUN
fsr-3909	137	32	of	of	ADP
fsr-3909	137	33	their	their	PRON
fsr-3909	137	34	portfolios	portfolio	NOUN
fsr-3909	137	35	allocated	allocate	VERB
fsr-3909	137	36	to	to	ADP
fsr-3909	137	37	equity	equity	NOUN
fsr-3909	137	38	.	.	PUNCT
fsr-3909	138	1	table	table	NOUN
fsr-3909	138	2	3	3	NUM
fsr-3909	138	3	,	,	PUNCT
fsr-3909	138	4	however	however	ADV
fsr-3909	138	5	,	,	PUNCT
fsr-3909	138	6	reveals	reveal	VERB
fsr-3909	138	7	that	that	SCONJ
fsr-3909	138	8	only	only	ADV
fsr-3909	138	9	6.9	6.9	NUM
fsr-3909	138	10	%	%	NOUN
fsr-3909	138	11	of	of	ADP
fsr-3909	138	12	respondents	respondent	NOUN
fsr-3909	138	13	made	make	VERB
fsr-3909	138	14	this	this	DET
fsr-3909	138	15	decision	decision	NOUN
fsr-3909	138	16	.	.	PUNCT
fsr-3909	139	1	instead	instead	ADV
fsr-3909	139	2	,	,	PUNCT
fsr-3909	139	3	over	over	ADP
fsr-3909	139	4	70	70	NUM
fsr-3909	139	5	%	%	NOUN
fsr-3909	139	6	of	of	ADP
fsr-3909	139	7	investors	investor	NOUN
fsr-3909	139	8	in	in	ADP
fsr-3909	139	9	this	this	DET
fsr-3909	139	10	age	age	NOUN
fsr-3909	139	11	group	group	NOUN
fsr-3909	139	12	held	hold	VERB
fsr-3909	139	13	either	either	CCONJ
fsr-3909	139	14	100	100	NUM
fsr-3909	139	15	%	%	NOUN
fsr-3909	139	16	equity	equity	NOUN
fsr-3909	139	17	(	(	PUNCT
fsr-3909	139	18	44.4	44.4	NUM
fsr-3909	139	19	%	%	NOUN
fsr-3909	139	20	of	of	ADP
fsr-3909	139	21	the	the	DET
fsr-3909	139	22	sample	sample	NOUN
fsr-3909	139	23	)	)	PUNCT
fsr-3909	139	24	or	or	CCONJ
fsr-3909	139	25	no	no	DET
fsr-3909	139	26	equity	equity	NOUN
fsr-3909	139	27	(	(	PUNCT
fsr-3909	139	28	30.3	30.3	NUM
fsr-3909	139	29	%	%	NOUN
fsr-3909	139	30	of	of	ADP
fsr-3909	139	31	the	the	DET
fsr-3909	139	32	sample	sample	NOUN
fsr-3909	139	33	)	)	PUNCT
fsr-3909	139	34	.	.	PUNCT
fsr-3909	140	1	a	a	DET
fsr-3909	140	2	similar	similar	ADJ
fsr-3909	140	3	bimodal	bimodal	NOUN
fsr-3909	140	4	pattern	pattern	NOUN
fsr-3909	140	5	is	be	AUX
fsr-3909	140	6	observed	observe	VERB
fsr-3909	140	7	for	for	ADP
fsr-3909	140	8	all	all	DET
fsr-3909	140	9	age	age	NOUN
fsr-3909	140	10	groups	group	NOUN
fsr-3909	140	11	with	with	ADP
fsr-3909	140	12	the	the	DET
fsr-3909	140	13	sharpest	sharp	ADJ
fsr-3909	140	14	decline	decline	NOUN
fsr-3909	140	15	by	by	ADP
fsr-3909	140	16	age	age	NOUN
fsr-3909	140	17	shown	show	VERB
fsr-3909	140	18	for	for	ADP
fsr-3909	140	19	the	the	DET
fsr-3909	140	20	100	100	NUM
fsr-3909	140	21	%	%	NOUN
fsr-3909	140	22	equity	equity	NOUN
fsr-3909	140	23	allocation	allocation	NOUN
fsr-3909	140	24	category	category	NOUN
fsr-3909	140	25	.	.	PUNCT
fsr-3909	141	1	similar	similar	ADJ
fsr-3909	141	2	bimodal	bimodal	NOUN
fsr-3909	141	3	patterns	pattern	NOUN
fsr-3909	141	4	are	be	AUX
fsr-3909	141	5	seen	see	VERB
fsr-3909	141	6	in	in	ADP
fsr-3909	141	7	table	table	NOUN
fsr-3909	141	8	4	4	NUM
fsr-3909	141	9	,	,	PUNCT
fsr-3909	141	10	which	which	PRON
fsr-3909	141	11	shows	show	VERB
fsr-3909	141	12	equity	equity	NOUN
fsr-3909	141	13	allocations	allocation	NOUN
fsr-3909	141	14	as	as	ADP
fsr-3909	141	15	a	a	DET
fsr-3909	141	16	function	function	NOUN
fsr-3909	141	17	of	of	ADP
fsr-3909	141	18	net	net	ADJ
fsr-3909	141	19	worth	worth	NOUN
fsr-3909	141	20	.	.	PUNCT
fsr-3909	142	1	for	for	ADP
fsr-3909	142	2	table	table	NOUN
fsr-3909	142	3	3	3	NUM
fsr-3909	142	4	equity	equity	NOUN
fsr-3909	142	5	allocation	allocation	NOUN
fsr-3909	142	6	decisions	decision	NOUN
fsr-3909	142	7	by	by	ADP
fsr-3909	142	8	age	age	NOUN
fsr-3909	142	9	age	age	NOUN
fsr-3909	142	10	%	%	PROPN
fsr-3909	142	11	equity	equity	NOUN
fsr-3909	142	12	0	0	NUM
fsr-3909	142	13	.0–,25	.0–,25	PUNCT
fsr-3909	143	1	25–,50	25–,50	NUM
fsr-3909	143	2	50–,75	50–,75	NUM
fsr-3909	143	3	75–,100	75–,100	NUM
fsr-3909	143	4	100	100	NUM
fsr-3909	143	5	,	,	PUNCT
fsr-3909	143	6	45	45	NUM
fsr-3909	143	7	30.3	30.3	NUM
fsr-3909	143	8	%	%	NOUN
fsr-3909	143	9	3.0	3.0	NUM
fsr-3909	143	10	%	%	NOUN
fsr-3909	143	11	5.3	5.3	NUM
fsr-3909	143	12	%	%	NOUN
fsr-3909	143	13	6.9	6.9	NUM
fsr-3909	143	14	%	%	NOUN
fsr-3909	143	15	10.2	10.2	NUM
fsr-3909	143	16	%	%	NOUN
fsr-3909	143	17	44.4	44.4	NUM
fsr-3909	143	18	%	%	NOUN
fsr-3909	143	19	45–54	45–54	NUM
fsr-3909	143	20	29.6	29.6	NUM
fsr-3909	143	21	%	%	NOUN
fsr-3909	143	22	1.6	1.6	NUM
fsr-3909	143	23	%	%	NOUN
fsr-3909	143	24	7.9	7.9	NUM
fsr-3909	143	25	%	%	NOUN
fsr-3909	143	26	10.2	10.2	NUM
fsr-3909	143	27	%	%	NOUN
fsr-3909	143	28	9.9	9.9	NUM
fsr-3909	143	29	%	%	NOUN
fsr-3909	143	30	40.8	40.8	NUM
fsr-3909	143	31	%	%	NOUN
fsr-3909	143	32	55–64	55–64	NUM
fsr-3909	143	33	30.5	30.5	NUM
fsr-3909	143	34	%	%	NOUN
fsr-3909	143	35	6.8	6.8	NUM
fsr-3909	143	36	%	%	NOUN
fsr-3909	143	37	6.8	6.8	NUM
fsr-3909	143	38	%	%	NOUN
fsr-3909	143	39	15.3	15.3	NUM
fsr-3909	143	40	%	%	NOUN
fsr-3909	143	41	11.9	11.9	NUM
fsr-3909	143	42	%	%	NOUN
fsr-3909	143	43	28.8	28.8	NUM
fsr-3909	143	44	%	%	NOUN
fsr-3909	143	45	651	651	NUM
fsr-3909	143	46	55.4	55.4	NUM
fsr-3909	143	47	%	%	NOUN
fsr-3909	143	48	1.9	1.9	NUM
fsr-3909	143	49	%	%	NOUN
fsr-3909	143	50	5.7	5.7	NUM
fsr-3909	143	51	%	%	NOUN
fsr-3909	143	52	8.3	8.3	NUM
fsr-3909	143	53	%	%	NOUN
fsr-3909	143	54	10.8	10.8	NUM
fsr-3909	143	55	%	%	NOUN
fsr-3909	143	56	17.8	17.8	NUM
fsr-3909	143	57	%	%	NOUN
fsr-3909	143	58	the	the	DET
fsr-3909	143	59	table	table	NOUN
fsr-3909	143	60	presents	present	VERB
fsr-3909	143	61	the	the	DET
fsr-3909	143	62	percentage	percentage	NOUN
fsr-3909	143	63	of	of	ADP
fsr-3909	143	64	respondents	respondent	NOUN
fsr-3909	143	65	in	in	ADP
fsr-3909	143	66	each	each	DET
fsr-3909	143	67	age	age	NOUN
fsr-3909	143	68	category	category	NOUN
fsr-3909	143	69	choosing	choose	VERB
fsr-3909	143	70	a	a	DET
fsr-3909	143	71	particular	particular	ADJ
fsr-3909	143	72	equity	equity	NOUN
fsr-3909	143	73	allocation	allocation	NOUN
fsr-3909	143	74	.	.	PUNCT
fsr-3909	144	1	for	for	ADP
fsr-3909	144	2	example	example	NOUN
fsr-3909	144	3	,	,	PUNCT
fsr-3909	144	4	30.3	30.3	NUM
fsr-3909	144	5	%	%	NOUN
fsr-3909	144	6	of	of	ADP
fsr-3909	144	7	those	those	PRON
fsr-3909	144	8	under	under	ADP
fsr-3909	144	9	45	45	NUM
fsr-3909	144	10	years	year	NOUN
fsr-3909	144	11	of	of	ADP
fsr-3909	144	12	age	age	NOUN
fsr-3909	144	13	put	put	VERB
fsr-3909	144	14	no	no	DET
fsr-3909	144	15	money	money	NOUN
fsr-3909	144	16	at	at	ADV
fsr-3909	144	17	all	all	ADV
fsr-3909	144	18	in	in	ADP
fsr-3909	144	19	equity	equity	NOUN
fsr-3909	144	20	,	,	PUNCT
fsr-3909	144	21	while	while	SCONJ
fsr-3909	144	22	44.4	44.4	NUM
fsr-3909	144	23	%	%	NOUN
fsr-3909	144	24	put	put	VERB
fsr-3909	144	25	all	all	PRON
fsr-3909	144	26	of	of	ADP
fsr-3909	144	27	their	their	PRON
fsr-3909	144	28	funds	fund	NOUN
fsr-3909	144	29	in	in	ADP
fsr-3909	144	30	equity	equity	NOUN
fsr-3909	144	31	.	.	PUNCT
fsr-3909	145	1	each	each	PRON
fsr-3909	145	2	of	of	ADP
fsr-3909	145	3	the	the	DET
fsr-3909	145	4	rows	row	NOUN
fsr-3909	145	5	sums	sum	VERB
fsr-3909	145	6	to	to	ADP
fsr-3909	145	7	100	100	NUM
fsr-3909	145	8	%	%	NOUN
fsr-3909	145	9	,	,	PUNCT
fsr-3909	145	10	with	with	ADP
fsr-3909	145	11	minor	minor	ADJ
fsr-3909	145	12	exceptions	exception	NOUN
fsr-3909	145	13	for	for	ADP
fsr-3909	145	14	rounding	round	VERB
fsr-3909	145	15	.	.	PUNCT
fsr-3909	146	1	table	table	NOUN
fsr-3909	146	2	4	4	NUM
fsr-3909	146	3	equity	equity	NOUN
fsr-3909	146	4	allocation	allocation	NOUN
fsr-3909	146	5	decisions	decision	NOUN
fsr-3909	146	6	by	by	ADP
fsr-3909	146	7	net	net	ADJ
fsr-3909	146	8	worth	worth	ADJ
fsr-3909	146	9	net	net	PROPN
fsr-3909	146	10	worth	worth	ADJ
fsr-3909	146	11	quartile	quartile	NOUN
fsr-3909	146	12	%	%	NOUN
fsr-3909	146	13	equity	equity	NOUN
fsr-3909	146	14	0	0	NUM
fsr-3909	146	15	.0–,25	.0–,25	PUNCT
fsr-3909	147	1	25–,50	25–,50	NUM
fsr-3909	147	2	50–,75	50–,75	NUM
fsr-3909	147	3	75–,100	75–,100	NUM
fsr-3909	147	4	100	100	NUM
fsr-3909	147	5	lowest	low	ADJ
fsr-3909	147	6	45.5	45.5	NUM
fsr-3909	147	7	%	%	NOUN
fsr-3909	147	8	3.4	3.4	NUM
fsr-3909	147	9	%	%	NOUN
fsr-3909	147	10	6.0	6.0	NUM
fsr-3909	147	11	%	%	NOUN
fsr-3909	147	12	6.0	6.0	NUM
fsr-3909	147	13	%	%	NOUN
fsr-3909	147	14	3.4	3.4	NUM
fsr-3909	147	15	%	%	NOUN
fsr-3909	147	16	35.7	35.7	NUM
fsr-3909	147	17	%	%	NOUN
fsr-3909	147	18	second	second	ADJ
fsr-3909	147	19	40.7	40.7	NUM
fsr-3909	147	20	%	%	NOUN
fsr-3909	147	21	0.8	0.8	NUM
fsr-3909	147	22	%	%	NOUN
fsr-3909	147	23	6.8	6.8	NUM
fsr-3909	147	24	%	%	NOUN
fsr-3909	147	25	6.8	6.8	NUM
fsr-3909	147	26	%	%	NOUN
fsr-3909	147	27	5.1	5.1	NUM
fsr-3909	147	28	%	%	NOUN
fsr-3909	147	29	39.8	39.8	NUM
fsr-3909	147	30	%	%	NOUN
fsr-3909	147	31	third	third	ADJ
fsr-3909	147	32	29.4	29.4	NUM
fsr-3909	147	33	%	%	NOUN
fsr-3909	147	34	3.4	3.4	NUM
fsr-3909	147	35	%	%	NOUN
fsr-3909	147	36	6.8	6.8	NUM
fsr-3909	147	37	%	%	NOUN
fsr-3909	147	38	12.3	12.3	NUM
fsr-3909	147	39	%	%	NOUN
fsr-3909	147	40	16.6	16.6	NUM
fsr-3909	147	41	%	%	NOUN
fsr-3909	147	42	31.5	31.5	NUM
fsr-3909	147	43	%	%	NOUN
fsr-3909	147	44	highest	high	ADJ
fsr-3909	147	45	21.6	21.6	NUM
fsr-3909	147	46	%	%	NOUN
fsr-3909	147	47	4.7	4.7	NUM
fsr-3909	147	48	%	%	NOUN
fsr-3909	147	49	6.4	6.4	NUM
fsr-3909	147	50	%	%	NOUN
fsr-3909	147	51	14.0	14.0	NUM
fsr-3909	147	52	%	%	NOUN
fsr-3909	147	53	16.9	16.9	NUM
fsr-3909	147	54	%	%	NOUN
fsr-3909	147	55	36.4	36.4	NUM
fsr-3909	147	56	%	%	NOUN
fsr-3909	147	57	the	the	DET
fsr-3909	147	58	table	table	NOUN
fsr-3909	147	59	presents	present	VERB
fsr-3909	147	60	the	the	DET
fsr-3909	147	61	percentage	percentage	NOUN
fsr-3909	147	62	of	of	ADP
fsr-3909	147	63	respondents	respondent	NOUN
fsr-3909	147	64	in	in	ADP
fsr-3909	147	65	each	each	DET
fsr-3909	147	66	net	net	ADJ
fsr-3909	147	67	worth	worth	ADJ
fsr-3909	147	68	category	category	NOUN
fsr-3909	147	69	choosing	choose	VERB
fsr-3909	147	70	a	a	DET
fsr-3909	147	71	particular	particular	ADJ
fsr-3909	147	72	equity	equity	NOUN
fsr-3909	147	73	allocation	allocation	NOUN
fsr-3909	147	74	.	.	PUNCT
fsr-3909	148	1	for	for	ADP
fsr-3909	148	2	example	example	NOUN
fsr-3909	148	3	,	,	PUNCT
fsr-3909	148	4	45.5	45.5	NUM
fsr-3909	148	5	%	%	NOUN
fsr-3909	148	6	of	of	ADP
fsr-3909	148	7	those	those	PRON
fsr-3909	148	8	in	in	ADP
fsr-3909	148	9	the	the	DET
fsr-3909	148	10	lowest	low	ADJ
fsr-3909	148	11	net	net	ADJ
fsr-3909	148	12	worth	worth	ADJ
fsr-3909	148	13	category	category	NOUN
fsr-3909	148	14	put	put	VERB
fsr-3909	148	15	no	no	DET
fsr-3909	148	16	money	money	NOUN
fsr-3909	148	17	at	at	ADV
fsr-3909	148	18	all	all	ADV
fsr-3909	148	19	in	in	ADP
fsr-3909	148	20	equity	equity	NOUN
fsr-3909	148	21	,	,	PUNCT
fsr-3909	148	22	while	while	SCONJ
fsr-3909	148	23	only	only	ADV
fsr-3909	148	24	6.0	6.0	NUM
fsr-3909	148	25	%	%	NOUN
fsr-3909	148	26	of	of	ADP
fsr-3909	148	27	those	those	PRON
fsr-3909	148	28	in	in	ADP
fsr-3909	148	29	that	that	DET
fsr-3909	148	30	category	category	NOUN
fsr-3909	148	31	put	put	VERB
fsr-3909	148	32	between	between	ADP
fsr-3909	148	33	50	50	NUM
fsr-3909	148	34	and	and	CCONJ
fsr-3909	148	35	75	75	NUM
fsr-3909	148	36	%	%	NOUN
fsr-3909	148	37	of	of	ADP
fsr-3909	148	38	their	their	PRON
fsr-3909	148	39	funds	fund	NOUN
fsr-3909	148	40	in	in	ADP
fsr-3909	148	41	equity	equity	NOUN
fsr-3909	148	42	.	.	PUNCT
fsr-3909	149	1	each	each	PRON
fsr-3909	149	2	of	of	ADP
fsr-3909	149	3	the	the	DET
fsr-3909	149	4	rows	row	NOUN
fsr-3909	149	5	sums	sum	VERB
fsr-3909	149	6	to	to	ADP
fsr-3909	149	7	100	100	NUM
fsr-3909	149	8	%	%	NOUN
fsr-3909	149	9	,	,	PUNCT
fsr-3909	149	10	with	with	ADP
fsr-3909	149	11	minor	minor	ADJ
fsr-3909	149	12	exceptions	exception	NOUN
fsr-3909	149	13	for	for	ADP
fsr-3909	149	14	rounding	round	VERB
fsr-3909	149	15	.	.	PUNCT
fsr-3909	150	1	85d	85d	NOUN
fsr-3909	150	2	.	.	PUNCT
fsr-3909	151	1	waggle	waggle	PROPN
fsr-3909	151	2	,	,	PUNCT
fsr-3909	151	3	b.	b.	PROPN
fsr-3909	151	4	englis	englis	PROPN
fsr-3909	151	5	/	/	SYM
fsr-3909	151	6	financial	financial	ADJ
fsr-3909	151	7	services	service	NOUN
fsr-3909	151	8	review	review	VERB
fsr-3909	151	9	9	9	NUM
fsr-3909	151	10	(	(	PUNCT
fsr-3909	151	11	2000	2000	NUM
fsr-3909	151	12	)	)	PUNCT
fsr-3909	151	13	79–92	79–92	NOUN
fsr-3909	151	14	the	the	DET
fsr-3909	151	15	highest	high	ADJ
fsr-3909	151	16	net	net	ADJ
fsr-3909	151	17	worth	worth	NOUN
fsr-3909	151	18	quartile	quartile	NOUN
fsr-3909	151	19	,	,	PUNCT
fsr-3909	151	20	the	the	DET
fsr-3909	151	21	average	average	ADJ
fsr-3909	151	22	equity	equity	NOUN
fsr-3909	151	23	investment	investment	NOUN
fsr-3909	151	24	is	be	AUX
fsr-3909	151	25	62.6	62.6	NUM
fsr-3909	151	26	%	%	NOUN
fsr-3909	151	27	.	.	PUNCT
fsr-3909	152	1	table	table	NOUN
fsr-3909	152	2	4	4	NUM
fsr-3909	152	3	shows	show	VERB
fsr-3909	152	4	that	that	SCONJ
fsr-3909	152	5	21.6	21.6	NUM
fsr-3909	152	6	%	%	NOUN
fsr-3909	152	7	of	of	ADP
fsr-3909	152	8	the	the	DET
fsr-3909	152	9	highest	high	ADJ
fsr-3909	152	10	net	net	ADJ
fsr-3909	152	11	worth	worth	ADJ
fsr-3909	152	12	group	group	NOUN
fsr-3909	152	13	put	put	VERB
fsr-3909	152	14	no	no	DET
fsr-3909	152	15	money	money	NOUN
fsr-3909	152	16	in	in	ADP
fsr-3909	152	17	equities	equity	NOUN
fsr-3909	152	18	while	while	SCONJ
fsr-3909	152	19	36.4	36.4	NUM
fsr-3909	152	20	%	%	NOUN
fsr-3909	152	21	put	put	VERB
fsr-3909	152	22	all	all	PRON
fsr-3909	152	23	of	of	ADP
fsr-3909	152	24	their	their	PRON
fsr-3909	152	25	money	money	NOUN
fsr-3909	152	26	into	into	ADP
fsr-3909	152	27	them	they	PRON
fsr-3909	152	28	.	.	PUNCT
fsr-3909	153	1	all	all	ADV
fsr-3909	153	2	-	-	PUNCT
fsr-3909	153	3	or	or	CCONJ
fsr-3909	153	4	-	-	PUNCT
fsr-3909	153	5	nothing	nothing	PRON
fsr-3909	153	6	investments	investment	NOUN
fsr-3909	153	7	in	in	ADP
fsr-3909	153	8	equity	equity	NOUN
fsr-3909	153	9	appear	appear	VERB
fsr-3909	153	10	to	to	PART
fsr-3909	153	11	be	be	AUX
fsr-3909	153	12	the	the	DET
fsr-3909	153	13	norm	norm	NOUN
fsr-3909	153	14	rather	rather	ADV
fsr-3909	153	15	than	than	ADP
fsr-3909	153	16	the	the	DET
fsr-3909	153	17	exception	exception	NOUN
fsr-3909	153	18	.	.	PUNCT
fsr-3909	154	1	table	table	NOUN
fsr-3909	154	2	5	5	NUM
fsr-3909	154	3	looks	look	VERB
fsr-3909	154	4	at	at	ADP
fsr-3909	154	5	the	the	DET
fsr-3909	154	6	distribution	distribution	NOUN
fsr-3909	154	7	of	of	ADP
fsr-3909	154	8	equity	equity	NOUN
fsr-3909	154	9	allocation	allocation	NOUN
fsr-3909	154	10	decisions	decision	NOUN
fsr-3909	154	11	based	base	VERB
fsr-3909	154	12	on	on	ADP
fsr-3909	154	13	whether	whether	SCONJ
fsr-3909	154	14	or	or	CCONJ
fsr-3909	154	15	not	not	PART
fsr-3909	154	16	respondents	respondent	NOUN
fsr-3909	154	17	own	own	VERB
fsr-3909	154	18	a	a	DET
fsr-3909	154	19	home	home	NOUN
fsr-3909	154	20	,	,	PUNCT
fsr-3909	154	21	completed	complete	VERB
fsr-3909	154	22	college	college	NOUN
fsr-3909	154	23	,	,	PUNCT
fsr-3909	154	24	or	or	CCONJ
fsr-3909	154	25	are	be	AUX
fsr-3909	154	26	married	married	ADJ
fsr-3909	154	27	.	.	PUNCT
fsr-3909	155	1	the	the	DET
fsr-3909	155	2	bimodal	bimodal	NOUN
fsr-3909	155	3	nature	nature	NOUN
fsr-3909	155	4	of	of	ADP
fsr-3909	155	5	the	the	DET
fsr-3909	155	6	data	datum	NOUN
fsr-3909	155	7	are	be	AUX
fsr-3909	155	8	again	again	ADV
fsr-3909	155	9	revealed	reveal	VERB
fsr-3909	155	10	.	.	PUNCT
fsr-3909	156	1	while	while	SCONJ
fsr-3909	156	2	marital	marital	ADJ
fsr-3909	156	3	status	status	NOUN
fsr-3909	156	4	does	do	AUX
fsr-3909	156	5	not	not	PART
fsr-3909	156	6	appear	appear	VERB
fsr-3909	156	7	to	to	PART
fsr-3909	156	8	be	be	AUX
fsr-3909	156	9	an	an	DET
fsr-3909	156	10	important	important	ADJ
fsr-3909	156	11	factor	factor	NOUN
fsr-3909	156	12	,	,	PUNCT
fsr-3909	156	13	lack	lack	NOUN
fsr-3909	156	14	of	of	ADP
fsr-3909	156	15	home	home	NOUN
fsr-3909	156	16	ownership	ownership	NOUN
fsr-3909	156	17	is	be	AUX
fsr-3909	156	18	reflected	reflect	VERB
fsr-3909	156	19	with	with	ADP
fsr-3909	156	20	a	a	DET
fsr-3909	156	21	more	more	ADV
fsr-3909	156	22	pronounced	pronounced	ADJ
fsr-3909	156	23	bimodal	bimodal	NOUN
fsr-3909	156	24	distribution	distribution	NOUN
fsr-3909	156	25	.	.	PUNCT
fsr-3909	157	1	over	over	ADP
fsr-3909	157	2	80	80	NUM
fsr-3909	157	3	%	%	NOUN
fsr-3909	157	4	of	of	ADP
fsr-3909	157	5	those	those	PRON
fsr-3909	157	6	without	without	ADP
fsr-3909	157	7	a	a	DET
fsr-3909	157	8	home	home	NOUN
fsr-3909	157	9	were	be	AUX
fsr-3909	157	10	invested	invest	VERB
fsr-3909	157	11	all	all	PRON
fsr-3909	157	12	or	or	CCONJ
fsr-3909	157	13	nothing	nothing	PRON
fsr-3909	157	14	in	in	ADP
fsr-3909	157	15	equity	equity	NOUN
fsr-3909	157	16	compared	compare	VERB
fsr-3909	157	17	to	to	ADP
fsr-3909	157	18	69	69	NUM
fsr-3909	157	19	%	%	NOUN
fsr-3909	157	20	of	of	ADP
fsr-3909	157	21	homeowners	homeowner	NOUN
fsr-3909	157	22	.	.	PUNCT
fsr-3909	158	1	the	the	DET
fsr-3909	158	2	most	most	ADV
fsr-3909	158	3	revealing	revealing	ADJ
fsr-3909	158	4	observation	observation	NOUN
fsr-3909	158	5	is	be	AUX
fsr-3909	158	6	that	that	SCONJ
fsr-3909	158	7	fully	fully	ADV
fsr-3909	158	8	50.2	50.2	NUM
fsr-3909	158	9	%	%	NOUN
fsr-3909	158	10	of	of	ADP
fsr-3909	158	11	those	those	PRON
fsr-3909	158	12	without	without	ADP
fsr-3909	158	13	a	a	DET
fsr-3909	158	14	college	college	NOUN
fsr-3909	158	15	degree	degree	NOUN
fsr-3909	158	16	chose	choose	VERB
fsr-3909	158	17	to	to	PART
fsr-3909	158	18	put	put	VERB
fsr-3909	158	19	no	no	DET
fsr-3909	158	20	money	money	NOUN
fsr-3909	158	21	at	at	ADV
fsr-3909	158	22	all	all	ADV
fsr-3909	158	23	into	into	ADP
fsr-3909	158	24	equity	equity	NOUN
fsr-3909	158	25	while	while	SCONJ
fsr-3909	158	26	only	only	ADV
fsr-3909	158	27	27.8	27.8	NUM
fsr-3909	158	28	%	%	NOUN
fsr-3909	158	29	of	of	ADP
fsr-3909	158	30	those	those	PRON
fsr-3909	158	31	with	with	ADP
fsr-3909	158	32	college	college	NOUN
fsr-3909	158	33	degrees	degree	NOUN
fsr-3909	158	34	made	make	VERB
fsr-3909	158	35	the	the	DET
fsr-3909	158	36	same	same	ADJ
fsr-3909	158	37	decision	decision	NOUN
fsr-3909	158	38	.	.	PUNCT
fsr-3909	159	1	households	household	NOUN
fsr-3909	159	2	led	lead	VERB
fsr-3909	159	3	by	by	ADP
fsr-3909	159	4	individuals	individual	NOUN
fsr-3909	159	5	without	without	ADP
fsr-3909	159	6	college	college	NOUN
fsr-3909	159	7	degrees	degree	NOUN
fsr-3909	159	8	appear	appear	VERB
fsr-3909	159	9	far	far	ADV
fsr-3909	159	10	more	more	ADV
fsr-3909	159	11	likely	likely	ADJ
fsr-3909	159	12	than	than	ADP
fsr-3909	159	13	their	their	PRON
fsr-3909	159	14	more	more	ADV
fsr-3909	159	15	educated	educate	VERB
fsr-3909	159	16	counterparts	counterpart	NOUN
fsr-3909	159	17	to	to	PART
fsr-3909	159	18	avoid	avoid	VERB
fsr-3909	159	19	equity	equity	NOUN
fsr-3909	159	20	investments	investment	NOUN
fsr-3909	159	21	altogether	altogether	ADV
fsr-3909	159	22	.	.	PUNCT
fsr-3909	160	1	tables	table	NOUN
fsr-3909	160	2	6	6	NUM
fsr-3909	160	3	and	and	CCONJ
fsr-3909	160	4	7	7	NUM
fsr-3909	160	5	consider	consider	VERB
fsr-3909	160	6	the	the	DET
fsr-3909	160	7	lack	lack	NOUN
fsr-3909	160	8	of	of	ADP
fsr-3909	160	9	diversification	diversification	NOUN
fsr-3909	160	10	across	across	ADP
fsr-3909	160	11	asset	asset	NOUN
fsr-3909	160	12	categories	category	NOUN
fsr-3909	160	13	.	.	PUNCT
fsr-3909	161	1	table	table	NOUN
fsr-3909	161	2	6	6	NUM
fsr-3909	161	3	shows	show	VERB
fsr-3909	161	4	that	that	SCONJ
fsr-3909	161	5	for	for	ADP
fsr-3909	161	6	those	those	DET
fsr-3909	161	7	65	65	NUM
fsr-3909	161	8	and	and	CCONJ
fsr-3909	161	9	older	old	ADJ
fsr-3909	161	10	,	,	PUNCT
fsr-3909	161	11	the	the	DET
fsr-3909	161	12	average	average	ADJ
fsr-3909	161	13	allocations	allocation	NOUN
fsr-3909	161	14	to	to	ADP
fsr-3909	161	15	cash	cash	NOUN
fsr-3909	161	16	,	,	PUNCT
fsr-3909	161	17	bonds	bond	NOUN
fsr-3909	161	18	,	,	PUNCT
fsr-3909	161	19	and	and	CCONJ
fsr-3909	161	20	equity	equity	NOUN
fsr-3909	161	21	were	be	AUX
fsr-3909	161	22	50.9	50.9	NUM
fsr-3909	161	23	%	%	NOUN
fsr-3909	161	24	,	,	PUNCT
fsr-3909	161	25	14.4	14.4	NUM
fsr-3909	161	26	%	%	NOUN
fsr-3909	161	27	,	,	PUNCT
fsr-3909	161	28	and	and	CCONJ
fsr-3909	161	29	34.7	34.7	NUM
fsr-3909	161	30	%	%	NOUN
fsr-3909	161	31	,	,	PUNCT
fsr-3909	161	32	respectively	respectively	ADV
fsr-3909	161	33	.	.	PUNCT
fsr-3909	162	1	however	however	ADV
fsr-3909	162	2	,	,	PUNCT
fsr-3909	162	3	more	more	ADV
fsr-3909	162	4	careful	careful	ADJ
fsr-3909	162	5	examination	examination	NOUN
fsr-3909	162	6	reveals	reveal	VERB
fsr-3909	162	7	that	that	SCONJ
fsr-3909	162	8	42.7	42.7	NUM
fsr-3909	162	9	%	%	NOUN
fsr-3909	162	10	of	of	ADP
fsr-3909	162	11	this	this	DET
fsr-3909	162	12	group	group	NOUN
fsr-3909	162	13	was	be	AUX
fsr-3909	162	14	invested	invest	VERB
fsr-3909	162	15	in	in	ADP
fsr-3909	162	16	all	all	DET
fsr-3909	162	17	cash	cash	NOUN
fsr-3909	162	18	,	,	PUNCT
fsr-3909	162	19	6.4	6.4	NUM
fsr-3909	162	20	%	%	NOUN
fsr-3909	162	21	was	be	AUX
fsr-3909	162	22	invested	invest	VERB
fsr-3909	162	23	in	in	ADP
fsr-3909	162	24	all	all	DET
fsr-3909	162	25	bonds	bond	NOUN
fsr-3909	162	26	,	,	PUNCT
fsr-3909	162	27	and	and	CCONJ
fsr-3909	162	28	17.8	17.8	NUM
fsr-3909	162	29	%	%	NOUN
fsr-3909	162	30	was	be	AUX
fsr-3909	162	31	invested	invest	VERB
fsr-3909	162	32	in	in	ADP
fsr-3909	162	33	all	all	DET
fsr-3909	162	34	equity	equity	NOUN
fsr-3909	162	35	.	.	PUNCT
fsr-3909	163	1	thus	thus	ADV
fsr-3909	163	2	,	,	PUNCT
fsr-3909	163	3	for	for	ADP
fsr-3909	163	4	those	those	DET
fsr-3909	163	5	65	65	NUM
fsr-3909	163	6	and	and	CCONJ
fsr-3909	163	7	over	over	ADV
fsr-3909	163	8	,	,	PUNCT
fsr-3909	163	9	66.9	66.9	NUM
fsr-3909	163	10	%	%	NOUN
fsr-3909	163	11	of	of	ADP
fsr-3909	163	12	the	the	DET
fsr-3909	163	13	retirement	retirement	NOUN
fsr-3909	163	14	accounts	account	NOUN
fsr-3909	163	15	are	be	AUX
fsr-3909	163	16	invested	invest	VERB
fsr-3909	163	17	in	in	ADP
fsr-3909	163	18	a	a	DET
fsr-3909	163	19	single	single	ADJ
fsr-3909	163	20	asset	asset	NOUN
fsr-3909	163	21	category	category	NOUN
fsr-3909	163	22	.	.	PUNCT
fsr-3909	164	1	for	for	ADP
fsr-3909	164	2	the	the	DET
fsr-3909	164	3	entire	entire	ADJ
fsr-3909	164	4	sample	sample	NOUN
fsr-3909	164	5	,	,	PUNCT
fsr-3909	164	6	67.3	67.3	NUM
fsr-3909	164	7	%	%	NOUN
fsr-3909	164	8	of	of	ADP
fsr-3909	164	9	the	the	DET
fsr-3909	164	10	accounts	account	NOUN
fsr-3909	164	11	were	be	AUX
fsr-3909	164	12	not	not	PART
fsr-3909	164	13	diversified	diversify	VERB
fsr-3909	164	14	across	across	ADP
fsr-3909	164	15	asset	asset	NOUN
fsr-3909	164	16	categories	category	NOUN
fsr-3909	164	17	.	.	PUNCT
fsr-3909	165	1	for	for	ADP
fsr-3909	165	2	the	the	DET
fsr-3909	165	3	lowest	low	ADJ
fsr-3909	165	4	income	income	NOUN
fsr-3909	165	5	quartile	quartile	NOUN
fsr-3909	165	6	,	,	PUNCT
fsr-3909	165	7	shown	show	VERB
fsr-3909	165	8	in	in	ADP
fsr-3909	165	9	table	table	NOUN
fsr-3909	165	10	7	7	NUM
fsr-3909	165	11	,	,	PUNCT
fsr-3909	165	12	37.4	37.4	NUM
fsr-3909	165	13	%	%	NOUN
fsr-3909	165	14	chose	choose	VERB
fsr-3909	165	15	all	all	DET
fsr-3909	165	16	cash	cash	NOUN
fsr-3909	165	17	,	,	PUNCT
fsr-3909	165	18	6.4	6.4	NUM
fsr-3909	165	19	%	%	NOUN
fsr-3909	165	20	chose	choose	VERB
fsr-3909	165	21	all	all	DET
fsr-3909	165	22	bonds	bond	NOUN
fsr-3909	165	23	,	,	PUNCT
fsr-3909	165	24	and	and	CCONJ
fsr-3909	165	25	37.4	37.4	NUM
fsr-3909	165	26	%	%	NOUN
fsr-3909	165	27	chose	choose	VERB
fsr-3909	165	28	all	all	DET
fsr-3909	165	29	equity	equity	NOUN
fsr-3909	165	30	in	in	ADP
fsr-3909	165	31	their	their	PRON
fsr-3909	165	32	retirement	retirement	NOUN
fsr-3909	165	33	investments	investment	NOUN
fsr-3909	165	34	.	.	PUNCT
fsr-3909	166	1	fully	fully	ADV
fsr-3909	166	2	79.6	79.6	NUM
fsr-3909	166	3	%	%	NOUN
fsr-3909	166	4	of	of	ADP
fsr-3909	166	5	those	those	PRON
fsr-3909	166	6	in	in	ADP
fsr-3909	166	7	the	the	DET
fsr-3909	166	8	lowest	low	ADJ
fsr-3909	166	9	net	net	ADJ
fsr-3909	166	10	worth	worth	NOUN
fsr-3909	166	11	quartile	quartile	NOUN
fsr-3909	166	12	did	do	AUX
fsr-3909	166	13	not	not	PART
fsr-3909	166	14	diversify	diversify	VERB
fsr-3909	166	15	across	across	ADP
fsr-3909	166	16	asset	asset	NOUN
fsr-3909	166	17	categories	category	NOUN
fsr-3909	166	18	.	.	PUNCT
fsr-3909	167	1	in	in	ADP
fsr-3909	167	2	as	as	ADV
fsr-3909	167	3	much	much	ADJ
fsr-3909	167	4	as	as	SCONJ
fsr-3909	167	5	ira	ira	PROPN
fsr-3909	167	6	accounts	account	NOUN
fsr-3909	167	7	are	be	AUX
fsr-3909	167	8	representative	representative	ADJ
fsr-3909	167	9	of	of	ADP
fsr-3909	167	10	total	total	ADJ
fsr-3909	167	11	retirement	retirement	NOUN
fsr-3909	167	12	holdings	holding	NOUN
fsr-3909	167	13	,	,	PUNCT
fsr-3909	167	14	these	these	DET
fsr-3909	167	15	findings	finding	NOUN
fsr-3909	167	16	strongly	strongly	ADV
fsr-3909	167	17	suggest	suggest	VERB
fsr-3909	167	18	that	that	SCONJ
fsr-3909	167	19	most	most	ADJ
fsr-3909	167	20	individual	individual	ADJ
fsr-3909	167	21	investors	investor	NOUN
fsr-3909	167	22	are	be	AUX
fsr-3909	167	23	not	not	PART
fsr-3909	167	24	diversifying	diversify	VERB
fsr-3909	167	25	their	their	PRON
fsr-3909	167	26	retirement	retirement	NOUN
fsr-3909	167	27	portfolios	portfolio	NOUN
fsr-3909	167	28	at	at	ADV
fsr-3909	167	29	all	all	ADV
fsr-3909	167	30	.	.	PUNCT
fsr-3909	168	1	when	when	SCONJ
fsr-3909	168	2	individuals	individual	NOUN
fsr-3909	168	3	do	do	AUX
fsr-3909	168	4	diversify	diversify	VERB
fsr-3909	168	5	,	,	PUNCT
fsr-3909	168	6	they	they	PRON
fsr-3909	168	7	tend	tend	VERB
fsr-3909	168	8	to	to	PART
fsr-3909	168	9	hold	hold	VERB
fsr-3909	168	10	too	too	ADV
fsr-3909	168	11	much	much	ADJ
fsr-3909	168	12	cash	cash	NOUN
fsr-3909	168	13	and	and	CCONJ
fsr-3909	168	14	to	to	ADP
fsr-3909	168	15	underinvest	underinv	ADJ
fsr-3909	168	16	in	in	ADP
fsr-3909	168	17	bonds	bond	NOUN
fsr-3909	168	18	.	.	PUNCT
fsr-3909	169	1	table	table	NOUN
fsr-3909	169	2	5	5	NUM
fsr-3909	169	3	equity	equity	NOUN
fsr-3909	169	4	allocation	allocation	NOUN
fsr-3909	169	5	decisions	decision	NOUN
fsr-3909	169	6	based	base	VERB
fsr-3909	169	7	on	on	ADP
fsr-3909	169	8	home	home	NOUN
fsr-3909	169	9	ownership	ownership	NOUN
fsr-3909	169	10	,	,	PUNCT
fsr-3909	169	11	completion	completion	NOUN
fsr-3909	169	12	of	of	ADP
fsr-3909	169	13	college	college	NOUN
fsr-3909	169	14	,	,	PUNCT
fsr-3909	169	15	and	and	CCONJ
fsr-3909	169	16	marital	marital	ADJ
fsr-3909	169	17	status	status	NOUN
fsr-3909	169	18	%	%	NOUN
fsr-3909	169	19	equity	equity	NOUN
fsr-3909	169	20	0	0	NUM
fsr-3909	169	21	.0–,25	.0–,25	PUNCT
fsr-3909	170	1	25–,50	25–,50	NUM
fsr-3909	170	2	50–,75	50–,75	NUM
fsr-3909	170	3	75–,100	75–,100	NUM
fsr-3909	170	4	100	100	NUM
fsr-3909	170	5	own	own	ADJ
fsr-3909	170	6	home	home	NOUN
fsr-3909	170	7	no	no	DET
fsr-3909	170	8	40.8	40.8	NUM
fsr-3909	170	9	%	%	NOUN
fsr-3909	170	10	2.8	2.8	NUM
fsr-3909	170	11	%	%	NOUN
fsr-3909	170	12	4.2	4.2	NUM
fsr-3909	170	13	%	%	NOUN
fsr-3909	170	14	8.5	8.5	NUM
fsr-3909	170	15	%	%	NOUN
fsr-3909	170	16	4.2	4.2	NUM
fsr-3909	170	17	%	%	NOUN
fsr-3909	170	18	39.4	39.4	NUM
fsr-3909	170	19	%	%	NOUN
fsr-3909	170	20	yes	yes	INTJ
fsr-3909	170	21	33.5	33.5	NUM
fsr-3909	170	22	%	%	NOUN
fsr-3909	170	23	3.1	3.1	NUM
fsr-3909	170	24	%	%	NOUN
fsr-3909	170	25	6.6	6.6	NUM
fsr-3909	170	26	%	%	NOUN
fsr-3909	170	27	10.0	10.0	NUM
fsr-3909	170	28	%	%	NOUN
fsr-3909	170	29	11.1	11.1	NUM
fsr-3909	170	30	%	%	NOUN
fsr-3909	170	31	35.7	35.7	NUM
fsr-3909	170	32	%	%	NOUN
fsr-3909	170	33	college	college	NOUN
fsr-3909	170	34	degree	degree	NOUN
fsr-3909	170	35	no	no	DET
fsr-3909	170	36	50.2	50.2	NUM
fsr-3909	170	37	%	%	NOUN
fsr-3909	170	38	1.8	1.8	NUM
fsr-3909	170	39	%	%	NOUN
fsr-3909	170	40	6.2	6.2	NUM
fsr-3909	170	41	%	%	NOUN
fsr-3909	170	42	6.2	6.2	NUM
fsr-3909	170	43	%	%	NOUN
fsr-3909	170	44	4.8	4.8	NUM
fsr-3909	170	45	%	%	NOUN
fsr-3909	170	46	30.8	30.8	NUM
fsr-3909	170	47	%	%	NOUN
fsr-3909	171	1	yes	yes	INTJ
fsr-3909	171	2	27.8	27.8	NUM
fsr-3909	171	3	%	%	NOUN
fsr-3909	171	4	3.6	3.6	NUM
fsr-3909	171	5	%	%	NOUN
fsr-3909	171	6	6.6	6.6	NUM
fsr-3909	171	7	%	%	NOUN
fsr-3909	171	8	11.1	11.1	NUM
fsr-3909	171	9	%	%	NOUN
fsr-3909	171	10	12.9	12.9	NUM
fsr-3909	171	11	%	%	NOUN
fsr-3909	171	12	37.9	37.9	NUM
fsr-3909	171	13	%	%	NOUN
fsr-3909	171	14	married	marry	VERB
fsr-3909	171	15	no	no	DET
fsr-3909	171	16	38.9	38.9	NUM
fsr-3909	171	17	%	%	NOUN
fsr-3909	171	18	3.4	3.4	NUM
fsr-3909	171	19	%	%	NOUN
fsr-3909	171	20	4.6	4.6	NUM
fsr-3909	171	21	%	%	NOUN
fsr-3909	171	22	6.3	6.3	NUM
fsr-3909	171	23	%	%	NOUN
fsr-3909	171	24	13.1	13.1	NUM
fsr-3909	171	25	%	%	NOUN
fsr-3909	171	26	33.7	33.7	NUM
fsr-3909	171	27	%	%	NOUN
fsr-3909	172	1	yes	yes	INTJ
fsr-3909	172	2	33.2	33.2	NUM
fsr-3909	172	3	%	%	NOUN
fsr-3909	172	4	3.0	3.0	NUM
fsr-3909	172	5	%	%	NOUN
fsr-3909	172	6	6.9	6.9	NUM
fsr-3909	172	7	%	%	NOUN
fsr-3909	172	8	10.6	10.6	NUM
fsr-3909	172	9	%	%	NOUN
fsr-3909	172	10	10.0	10.0	NUM
fsr-3909	172	11	%	%	NOUN
fsr-3909	172	12	36.3	36.3	NUM
fsr-3909	172	13	%	%	NOUN
fsr-3909	172	14	the	the	DET
fsr-3909	172	15	table	table	NOUN
fsr-3909	172	16	presents	present	VERB
fsr-3909	172	17	the	the	DET
fsr-3909	172	18	percentage	percentage	NOUN
fsr-3909	172	19	of	of	ADP
fsr-3909	172	20	respondents	respondent	NOUN
fsr-3909	172	21	choosing	choose	VERB
fsr-3909	172	22	a	a	DET
fsr-3909	172	23	particular	particular	ADJ
fsr-3909	172	24	equity	equity	NOUN
fsr-3909	172	25	allocation	allocation	NOUN
fsr-3909	172	26	based	base	VERB
fsr-3909	172	27	on	on	ADP
fsr-3909	172	28	home	home	NOUN
fsr-3909	172	29	ownership	ownership	NOUN
fsr-3909	172	30	,	,	PUNCT
fsr-3909	172	31	completion	completion	NOUN
fsr-3909	172	32	of	of	ADP
fsr-3909	172	33	a	a	DET
fsr-3909	172	34	college	college	NOUN
fsr-3909	172	35	degree	degree	NOUN
fsr-3909	172	36	by	by	ADP
fsr-3909	172	37	the	the	DET
fsr-3909	172	38	head	head	NOUN
fsr-3909	172	39	of	of	ADP
fsr-3909	172	40	the	the	DET
fsr-3909	172	41	household	household	NOUN
fsr-3909	172	42	,	,	PUNCT
fsr-3909	172	43	and	and	CCONJ
fsr-3909	172	44	marital	marital	ADJ
fsr-3909	172	45	status	status	NOUN
fsr-3909	172	46	.	.	PUNCT
fsr-3909	173	1	for	for	ADP
fsr-3909	173	2	example	example	NOUN
fsr-3909	173	3	,	,	PUNCT
fsr-3909	173	4	50.2	50.2	NUM
fsr-3909	173	5	%	%	NOUN
fsr-3909	173	6	of	of	ADP
fsr-3909	173	7	respondents	respondent	NOUN
fsr-3909	173	8	where	where	SCONJ
fsr-3909	173	9	the	the	DET
fsr-3909	173	10	head	head	NOUN
fsr-3909	173	11	of	of	ADP
fsr-3909	173	12	household	household	NOUN
fsr-3909	173	13	did	do	AUX
fsr-3909	173	14	not	not	PART
fsr-3909	173	15	complete	complete	VERB
fsr-3909	173	16	college	college	NOUN
fsr-3909	173	17	put	put	VERB
fsr-3909	173	18	no	no	DET
fsr-3909	173	19	money	money	NOUN
fsr-3909	173	20	at	at	ADV
fsr-3909	173	21	all	all	ADV
fsr-3909	173	22	in	in	ADP
fsr-3909	173	23	equity	equity	NOUN
fsr-3909	173	24	while	while	SCONJ
fsr-3909	173	25	only	only	ADV
fsr-3909	173	26	27.8	27.8	NUM
fsr-3909	173	27	%	%	NOUN
fsr-3909	173	28	of	of	ADP
fsr-3909	173	29	those	those	PRON
fsr-3909	173	30	who	who	PRON
fsr-3909	173	31	completed	complete	VERB
fsr-3909	173	32	college	college	NOUN
fsr-3909	173	33	did	do	VERB
fsr-3909	173	34	the	the	DET
fsr-3909	173	35	same	same	ADJ
fsr-3909	173	36	.	.	PUNCT
fsr-3909	174	1	each	each	PRON
fsr-3909	174	2	of	of	ADP
fsr-3909	174	3	the	the	DET
fsr-3909	174	4	rows	row	NOUN
fsr-3909	174	5	sums	sum	VERB
fsr-3909	174	6	to	to	ADP
fsr-3909	174	7	100	100	NUM
fsr-3909	174	8	%	%	NOUN
fsr-3909	174	9	,	,	PUNCT
fsr-3909	174	10	with	with	ADP
fsr-3909	174	11	minor	minor	ADJ
fsr-3909	174	12	exceptions	exception	NOUN
fsr-3909	174	13	for	for	ADP
fsr-3909	174	14	rounding	round	VERB
fsr-3909	174	15	.	.	PUNCT
fsr-3909	175	1	86	86	NUM
fsr-3909	175	2	d.	d.	PROPN
fsr-3909	175	3	waggle	waggle	PROPN
fsr-3909	175	4	,	,	PUNCT
fsr-3909	175	5	b.	b.	PROPN
fsr-3909	175	6	englis	englis	PROPN
fsr-3909	175	7	/	/	SYM
fsr-3909	175	8	financial	financial	ADJ
fsr-3909	175	9	services	service	NOUN
fsr-3909	175	10	review	review	VERB
fsr-3909	175	11	9	9	NUM
fsr-3909	175	12	(	(	PUNCT
fsr-3909	175	13	2000	2000	NUM
fsr-3909	175	14	)	)	PUNCT
fsr-3909	175	15	79–92	79–92	NOUN
fsr-3909	175	16	in	in	ADP
fsr-3909	175	17	addition	addition	NOUN
fsr-3909	175	18	to	to	ADP
fsr-3909	175	19	the	the	DET
fsr-3909	175	20	demographic	demographic	ADJ
fsr-3909	175	21	factors	factor	NOUN
fsr-3909	175	22	of	of	ADP
fsr-3909	175	23	age	age	NOUN
fsr-3909	175	24	,	,	PUNCT
fsr-3909	175	25	net	net	ADJ
fsr-3909	175	26	worth	worth	NOUN
fsr-3909	175	27	,	,	PUNCT
fsr-3909	175	28	education	education	NOUN
fsr-3909	175	29	level	level	NOUN
fsr-3909	175	30	,	,	PUNCT
fsr-3909	175	31	marital	marital	ADJ
fsr-3909	175	32	status	status	NOUN
fsr-3909	175	33	,	,	PUNCT
fsr-3909	175	34	and	and	CCONJ
fsr-3909	175	35	home	home	NOUN
fsr-3909	175	36	ownership	ownership	NOUN
fsr-3909	175	37	,	,	PUNCT
fsr-3909	175	38	our	our	PRON
fsr-3909	175	39	analysis	analysis	NOUN
fsr-3909	175	40	examines	examine	VERB
fsr-3909	175	41	data	datum	NOUN
fsr-3909	175	42	relevant	relevant	ADJ
fsr-3909	175	43	to	to	ADP
fsr-3909	175	44	the	the	DET
fsr-3909	175	45	risk	risk	NOUN
fsr-3909	175	46	tolerance	tolerance	NOUN
fsr-3909	175	47	of	of	ADP
fsr-3909	175	48	individual	individual	ADJ
fsr-3909	175	49	investors	investor	NOUN
fsr-3909	175	50	.	.	PUNCT
fsr-3909	176	1	different	different	ADJ
fsr-3909	176	2	individuals	individual	NOUN
fsr-3909	176	3	who	who	PRON
fsr-3909	176	4	are	be	AUX
fsr-3909	176	5	the	the	DET
fsr-3909	176	6	same	same	ADJ
fsr-3909	176	7	age	age	NOUN
fsr-3909	176	8	with	with	ADP
fsr-3909	176	9	identical	identical	ADJ
fsr-3909	176	10	financial	financial	ADJ
fsr-3909	176	11	situations	situation	NOUN
fsr-3909	176	12	and	and	CCONJ
fsr-3909	176	13	educational	educational	ADJ
fsr-3909	176	14	backgrounds	background	NOUN
fsr-3909	176	15	might	might	AUX
fsr-3909	176	16	have	have	VERB
fsr-3909	176	17	completely	completely	ADV
fsr-3909	176	18	different	different	ADJ
fsr-3909	176	19	tolerance	tolerance	NOUN
fsr-3909	176	20	for	for	ADP
fsr-3909	176	21	risk	risk	NOUN
fsr-3909	176	22	.	.	PUNCT
fsr-3909	177	1	while	while	SCONJ
fsr-3909	177	2	finance	finance	NOUN
fsr-3909	177	3	theory	theory	NOUN
fsr-3909	177	4	might	might	AUX
fsr-3909	177	5	suggest	suggest	VERB
fsr-3909	177	6	that	that	SCONJ
fsr-3909	177	7	younger	young	ADJ
fsr-3909	177	8	individuals	individual	NOUN
fsr-3909	177	9	should	should	AUX
fsr-3909	177	10	invest	invest	VERB
fsr-3909	177	11	more	more	ADV
fsr-3909	177	12	heavily	heavily	ADV
fsr-3909	177	13	in	in	ADP
fsr-3909	177	14	equity	equity	NOUN
fsr-3909	177	15	,	,	PUNCT
fsr-3909	177	16	a	a	DET
fsr-3909	177	17	young	young	ADJ
fsr-3909	177	18	individual	individual	NOUN
fsr-3909	177	19	with	with	ADP
fsr-3909	177	20	very	very	ADV
fsr-3909	177	21	limited	limited	ADJ
fsr-3909	177	22	risk	risk	NOUN
fsr-3909	177	23	tolerance	tolerance	NOUN
fsr-3909	177	24	might	might	AUX
fsr-3909	177	25	be	be	AUX
fsr-3909	177	26	reluctant	reluctant	ADJ
fsr-3909	177	27	to	to	PART
fsr-3909	177	28	do	do	VERB
fsr-3909	177	29	so	so	ADV
fsr-3909	177	30	.	.	PUNCT
fsr-3909	178	1	the	the	DET
fsr-3909	178	2	sri	sri	PROPN
fsr-3909	178	3	survey	survey	NOUN
fsr-3909	178	4	protocol	protocol	NOUN
fsr-3909	178	5	includes	include	VERB
fsr-3909	178	6	several	several	ADJ
fsr-3909	178	7	measures	measure	NOUN
fsr-3909	178	8	designed	design	VERB
fsr-3909	178	9	to	to	PART
fsr-3909	178	10	gauge	gauge	VERB
fsr-3909	178	11	the	the	DET
fsr-3909	178	12	investor	investor	NOUN
fsr-3909	178	13	’s	’s	PART
fsr-3909	178	14	attitudes	attitude	NOUN
fsr-3909	178	15	toward	toward	ADP
fsr-3909	178	16	risk	risk	NOUN
fsr-3909	178	17	and	and	CCONJ
fsr-3909	178	18	investing	investing	NOUN
fsr-3909	178	19	.	.	PUNCT
fsr-3909	179	1	we	we	PRON
fsr-3909	179	2	focus	focus	VERB
fsr-3909	179	3	on	on	ADP
fsr-3909	179	4	two	two	NUM
fsr-3909	179	5	items	item	NOUN
fsr-3909	179	6	that	that	PRON
fsr-3909	179	7	provide	provide	VERB
fsr-3909	179	8	self	self	NOUN
fsr-3909	179	9	-	-	PUNCT
fsr-3909	179	10	reported	report	VERB
fsr-3909	179	11	measures	measure	NOUN
fsr-3909	179	12	of	of	ADP
fsr-3909	179	13	the	the	DET
fsr-3909	179	14	risk	risk	NOUN
fsr-3909	179	15	tolerance	tolerance	NOUN
fsr-3909	179	16	of	of	ADP
fsr-3909	179	17	individuals	individual	NOUN
fsr-3909	179	18	.	.	PUNCT
fsr-3909	180	1	table	table	NOUN
fsr-3909	180	2	6	6	NUM
fsr-3909	180	3	asset	asset	NOUN
fsr-3909	180	4	allocation	allocation	NOUN
fsr-3909	180	5	decisions	decision	NOUN
fsr-3909	180	6	and	and	CCONJ
fsr-3909	180	7	failure	failure	NOUN
fsr-3909	180	8	to	to	PART
fsr-3909	180	9	diversify	diversify	VERB
fsr-3909	180	10	across	across	ADP
fsr-3909	180	11	asset	asset	NOUN
fsr-3909	180	12	categories	category	NOUN
fsr-3909	180	13	by	by	ADP
fsr-3909	180	14	age	age	NOUN
fsr-3909	180	15	asset	asset	NOUN
fsr-3909	180	16	allocation	allocation	NOUN
fsr-3909	180	17	investment	investment	NOUN
fsr-3909	180	18	decision	decision	NOUN
fsr-3909	180	19	age	age	NOUN
fsr-3909	180	20	cash%	cash%	NUM
fsr-3909	180	21	bonds%	bonds%	X
fsr-3909	180	22	equity%	equity%	VERB
fsr-3909	180	23	no	no	DET
fsr-3909	180	24	cash	cash	NOUN
fsr-3909	180	25	all	all	DET
fsr-3909	180	26	cash	cash	VERB
fsr-3909	180	27	no	no	DET
fsr-3909	180	28	bonds	bond	NOUN
fsr-3909	180	29	all	all	DET
fsr-3909	180	30	bonds	bond	NOUN
fsr-3909	180	31	no	no	DET
fsr-3909	180	32	equity	equity	NOUN
fsr-3909	180	33	all	all	DET
fsr-3909	180	34	equity	equity	NOUN
fsr-3909	180	35	all	all	DET
fsr-3909	180	36	one	one	NUM
fsr-3909	180	37	category	category	NOUN
fsr-3909	180	38	,	,	PUNCT
fsr-3909	180	39	45	45	NUM
fsr-3909	180	40	31.5	31.5	NUM
fsr-3909	180	41	%	%	NOUN
fsr-3909	180	42	8.6	8.6	NUM
fsr-3909	180	43	%	%	NOUN
fsr-3909	180	44	59.8	59.8	NUM
fsr-3909	180	45	%	%	NOUN
fsr-3909	180	46	56.9	56.9	NUM
fsr-3909	180	47	%	%	NOUN
fsr-3909	180	48	25.0	25.0	NUM
fsr-3909	180	49	%	%	NOUN
fsr-3909	180	50	83.6	83.6	NUM
fsr-3909	180	51	%	%	NOUN
fsr-3909	180	52	4.9	4.9	NUM
fsr-3909	180	53	%	%	NOUN
fsr-3909	180	54	30.3	30.3	NUM
fsr-3909	180	55	%	%	NOUN
fsr-3909	180	56	44.4	44.4	NUM
fsr-3909	180	57	%	%	NOUN
fsr-3909	180	58	74.3	74.3	NUM
fsr-3909	180	59	%	%	NOUN
fsr-3909	180	60	45–54	45–54	NUM
fsr-3909	180	61	29.2	29.2	NUM
fsr-3909	180	62	%	%	NOUN
fsr-3909	180	63	12.2	12.2	NUM
fsr-3909	180	64	%	%	NOUN
fsr-3909	180	65	58.6	58.6	NUM
fsr-3909	180	66	%	%	NOUN
fsr-3909	180	67	53.6	53.6	NUM
fsr-3909	180	68	%	%	NOUN
fsr-3909	180	69	21.1	21.1	NUM
fsr-3909	180	70	%	%	NOUN
fsr-3909	180	71	76.0	76.0	NUM
fsr-3909	180	72	%	%	NOUN
fsr-3909	180	73	5.3	5.3	NUM
fsr-3909	180	74	%	%	NOUN
fsr-3909	180	75	29.6	29.6	NUM
fsr-3909	180	76	%	%	NOUN
fsr-3909	180	77	40.8	40.8	NUM
fsr-3909	180	78	%	%	NOUN
fsr-3909	180	79	67.1	67.1	NUM
fsr-3909	180	80	%	%	NOUN
fsr-3909	180	81	55–64	55–64	NUM
fsr-3909	180	82	33.8	33.8	NUM
fsr-3909	180	83	%	%	NOUN
fsr-3909	180	84	14.6	14.6	NUM
fsr-3909	180	85	%	%	NOUN
fsr-3909	180	86	51.6	51.6	NUM
fsr-3909	180	87	%	%	NOUN
fsr-3909	180	88	45.2	45.2	NUM
fsr-3909	180	89	%	%	NOUN
fsr-3909	180	90	24.3	24.3	NUM
fsr-3909	180	91	%	%	NOUN
fsr-3909	180	92	67.2	67.2	NUM
fsr-3909	180	93	%	%	NOUN
fsr-3909	180	94	2.8	2.8	NUM
fsr-3909	180	95	%	%	NOUN
fsr-3909	180	96	30.5	30.5	NUM
fsr-3909	180	97	%	%	NOUN
fsr-3909	180	98	28.8	28.8	NUM
fsr-3909	180	99	%	%	NOUN
fsr-3909	180	100	55.9	55.9	NUM
fsr-3909	180	101	%	%	NOUN
fsr-3909	180	102	651	651	NUM
fsr-3909	180	103	50.9	50.9	NUM
fsr-3909	180	104	%	%	NOUN
fsr-3909	180	105	14.4	14.4	NUM
fsr-3909	180	106	%	%	NOUN
fsr-3909	180	107	34.7	34.7	NUM
fsr-3909	180	108	%	%	NOUN
fsr-3909	180	109	28.0	28.0	NUM
fsr-3909	180	110	%	%	NOUN
fsr-3909	180	111	42.7	42.7	NUM
fsr-3909	180	112	%	%	NOUN
fsr-3909	180	113	73.2	73.2	NUM
fsr-3909	180	114	%	%	NOUN
fsr-3909	180	115	6.4	6.4	NUM
fsr-3909	180	116	%	%	NOUN
fsr-3909	180	117	55.4	55.4	NUM
fsr-3909	180	118	%	%	NOUN
fsr-3909	180	119	17.8	17.8	NUM
fsr-3909	180	120	%	%	NOUN
fsr-3909	180	121	66.9	66.9	NUM
fsr-3909	180	122	%	%	NOUN
fsr-3909	180	123	full	full	ADJ
fsr-3909	180	124	sample	sample	NOUN
fsr-3909	180	125	34.4	34.4	NUM
fsr-3909	180	126	%	%	NOUN
fsr-3909	180	127	11.9	11.9	NUM
fsr-3909	180	128	%	%	NOUN
fsr-3909	180	129	53.7	53.7	NUM
fsr-3909	180	130	%	%	NOUN
fsr-3909	180	131	48.8	48.8	NUM
fsr-3909	180	132	%	%	NOUN
fsr-3909	180	133	26.5	26.5	NUM
fsr-3909	180	134	%	%	NOUN
fsr-3909	180	135	76.3	76.3	NUM
fsr-3909	180	136	%	%	NOUN
fsr-3909	180	137	4.9	4.9	NUM
fsr-3909	180	138	%	%	NOUN
fsr-3909	180	139	34.3	34.3	NUM
fsr-3909	180	140	%	%	NOUN
fsr-3909	180	141	35.9	35.9	NUM
fsr-3909	180	142	%	%	NOUN
fsr-3909	180	143	67.3	67.3	NUM
fsr-3909	180	144	%	%	NOUN
fsr-3909	180	145	the	the	DET
fsr-3909	180	146	cash%	cash%	PROPN
fsr-3909	180	147	,	,	PUNCT
fsr-3909	180	148	bonds%	bonds%	NOUN
fsr-3909	180	149	,	,	PUNCT
fsr-3909	180	150	equity%	equity%	X
fsr-3909	180	151	columns	column	NOUN
fsr-3909	180	152	present	present	VERB
fsr-3909	180	153	the	the	DET
fsr-3909	180	154	average	average	ADJ
fsr-3909	180	155	decision	decision	NOUN
fsr-3909	180	156	of	of	ADP
fsr-3909	180	157	respondents	respondent	NOUN
fsr-3909	180	158	regarding	regard	VERB
fsr-3909	180	159	the	the	DET
fsr-3909	180	160	percent	percent	NOUN
fsr-3909	180	161	of	of	ADP
fsr-3909	180	162	total	total	ADJ
fsr-3909	180	163	retirement	retirement	NOUN
fsr-3909	180	164	dollars	dollar	NOUN
fsr-3909	180	165	invested	invest	VERB
fsr-3909	180	166	in	in	ADP
fsr-3909	180	167	each	each	PRON
fsr-3909	180	168	of	of	ADP
fsr-3909	180	169	the	the	DET
fsr-3909	180	170	asset	asset	NOUN
fsr-3909	180	171	categories	category	NOUN
fsr-3909	180	172	based	base	VERB
fsr-3909	180	173	on	on	ADP
fsr-3909	180	174	the	the	DET
fsr-3909	180	175	age	age	NOUN
fsr-3909	180	176	of	of	ADP
fsr-3909	180	177	the	the	DET
fsr-3909	180	178	head	head	NOUN
fsr-3909	180	179	of	of	ADP
fsr-3909	180	180	household	household	NOUN
fsr-3909	180	181	.	.	PUNCT
fsr-3909	181	1	for	for	ADP
fsr-3909	181	2	example	example	NOUN
fsr-3909	181	3	,	,	PUNCT
fsr-3909	181	4	the	the	DET
fsr-3909	181	5	percentage	percentage	NOUN
fsr-3909	181	6	cash	cash	NOUN
fsr-3909	181	7	is	be	AUX
fsr-3909	181	8	total	total	ADJ
fsr-3909	181	9	cash	cash	NOUN
fsr-3909	181	10	in	in	ADP
fsr-3909	181	11	the	the	DET
fsr-3909	181	12	retirement	retirement	NOUN
fsr-3909	181	13	account	account	NOUN
fsr-3909	181	14	divided	divide	VERB
fsr-3909	181	15	by	by	ADP
fsr-3909	181	16	the	the	DET
fsr-3909	181	17	total	total	ADJ
fsr-3909	181	18	assets	asset	NOUN
fsr-3909	181	19	in	in	ADP
fsr-3909	181	20	the	the	DET
fsr-3909	181	21	retirement	retirement	NOUN
fsr-3909	181	22	account	account	NOUN
fsr-3909	181	23	.	.	PUNCT
fsr-3909	182	1	the	the	DET
fsr-3909	182	2	sum	sum	NOUN
fsr-3909	182	3	of	of	ADP
fsr-3909	182	4	cash	cash	NOUN
fsr-3909	182	5	,	,	PUNCT
fsr-3909	182	6	bonds	bond	NOUN
fsr-3909	182	7	,	,	PUNCT
fsr-3909	182	8	and	and	CCONJ
fsr-3909	182	9	equity	equity	NOUN
fsr-3909	182	10	is	be	AUX
fsr-3909	182	11	100	100	NUM
fsr-3909	182	12	%	%	NOUN
fsr-3909	182	13	,	,	PUNCT
fsr-3909	182	14	with	with	ADP
fsr-3909	182	15	small	small	ADJ
fsr-3909	182	16	differences	difference	NOUN
fsr-3909	182	17	possible	possible	ADJ
fsr-3909	182	18	due	due	ADP
fsr-3909	182	19	to	to	ADP
fsr-3909	182	20	rounding	round	VERB
fsr-3909	182	21	.	.	PUNCT
fsr-3909	183	1	the	the	DET
fsr-3909	183	2	various	various	ADJ
fsr-3909	183	3	investment	investment	NOUN
fsr-3909	183	4	decisions	decision	NOUN
fsr-3909	183	5	show	show	VERB
fsr-3909	183	6	the	the	DET
fsr-3909	183	7	percentage	percentage	NOUN
fsr-3909	183	8	of	of	ADP
fsr-3909	183	9	each	each	DET
fsr-3909	183	10	age	age	NOUN
fsr-3909	183	11	category	category	NOUN
fsr-3909	183	12	making	make	VERB
fsr-3909	183	13	the	the	DET
fsr-3909	183	14	particular	particular	ADJ
fsr-3909	183	15	decision	decision	NOUN
fsr-3909	183	16	.	.	PUNCT
fsr-3909	184	1	for	for	ADP
fsr-3909	184	2	example	example	NOUN
fsr-3909	184	3	,	,	PUNCT
fsr-3909	184	4	56.9	56.9	NUM
fsr-3909	184	5	%	%	NOUN
fsr-3909	184	6	of	of	ADP
fsr-3909	184	7	those	those	PRON
fsr-3909	184	8	with	with	ADP
fsr-3909	184	9	heads	head	NOUN
fsr-3909	184	10	of	of	ADP
fsr-3909	184	11	households	household	NOUN
fsr-3909	184	12	under	under	ADP
fsr-3909	184	13	45	45	NUM
fsr-3909	184	14	chose	choose	VERB
fsr-3909	184	15	to	to	PART
fsr-3909	184	16	hold	hold	VERB
fsr-3909	184	17	no	no	DET
fsr-3909	184	18	cash	cash	NOUN
fsr-3909	184	19	,	,	PUNCT
fsr-3909	184	20	while	while	SCONJ
fsr-3909	184	21	25	25	NUM
fsr-3909	184	22	%	%	NOUN
fsr-3909	184	23	chose	choose	VERB
fsr-3909	184	24	to	to	PART
fsr-3909	184	25	hold	hold	VERB
fsr-3909	184	26	all	all	DET
fsr-3909	184	27	cash	cash	NOUN
fsr-3909	184	28	in	in	ADP
fsr-3909	184	29	their	their	PRON
fsr-3909	184	30	retirement	retirement	NOUN
fsr-3909	184	31	accounts	account	NOUN
fsr-3909	184	32	.	.	PUNCT
fsr-3909	185	1	a	a	DET
fsr-3909	185	2	full	full	ADJ
fsr-3909	185	3	74.3	74.3	NUM
fsr-3909	185	4	%	%	NOUN
fsr-3909	185	5	of	of	ADP
fsr-3909	185	6	those	those	PRON
fsr-3909	185	7	under	under	ADP
fsr-3909	185	8	45	45	NUM
fsr-3909	185	9	chose	choose	VERB
fsr-3909	185	10	either	either	CCONJ
fsr-3909	185	11	all	all	DET
fsr-3909	185	12	cash	cash	NOUN
fsr-3909	185	13	,	,	PUNCT
fsr-3909	185	14	or	or	CCONJ
fsr-3909	185	15	all	all	DET
fsr-3909	185	16	equity	equity	NOUN
fsr-3909	185	17	.	.	PUNCT
fsr-3909	186	1	table	table	NOUN
fsr-3909	186	2	7	7	NUM
fsr-3909	186	3	asset	asset	NOUN
fsr-3909	186	4	allocation	allocation	NOUN
fsr-3909	186	5	decisions	decision	NOUN
fsr-3909	186	6	and	and	CCONJ
fsr-3909	186	7	failure	failure	NOUN
fsr-3909	186	8	to	to	PART
fsr-3909	186	9	diversify	diversify	VERB
fsr-3909	186	10	across	across	ADP
fsr-3909	186	11	asset	asset	NOUN
fsr-3909	186	12	categories	category	NOUN
fsr-3909	186	13	by	by	ADP
fsr-3909	186	14	net	net	ADJ
fsr-3909	186	15	worth	worth	ADJ
fsr-3909	186	16	asset	asset	NOUN
fsr-3909	186	17	allocation	allocation	NOUN
fsr-3909	186	18	investment	investment	NOUN
fsr-3909	186	19	decision	decision	NOUN
fsr-3909	186	20	net	net	ADJ
fsr-3909	186	21	worth	worth	ADJ
fsr-3909	186	22	quartile	quartile	ADV
fsr-3909	186	23	cash%	cash%	PROPN
fsr-3909	186	24	bonds%	bonds%	X
fsr-3909	186	25	equity%	equity%	VERB
fsr-3909	186	26	no	no	DET
fsr-3909	186	27	cash	cash	NOUN
fsr-3909	186	28	all	all	DET
fsr-3909	186	29	cash	cash	VERB
fsr-3909	186	30	no	no	DET
fsr-3909	186	31	bonds	bond	NOUN
fsr-3909	186	32	all	all	DET
fsr-3909	186	33	bonds	bond	NOUN
fsr-3909	186	34	no	no	DET
fsr-3909	186	35	equity	equity	NOUN
fsr-3909	186	36	all	all	DET
fsr-3909	186	37	equity	equity	NOUN
fsr-3909	186	38	all	all	DET
fsr-3909	186	39	one	one	NUM
fsr-3909	186	40	category	category	NOUN
fsr-3909	186	41	lowest	low	ADJ
fsr-3909	186	42	44.6	44.6	NUM
fsr-3909	186	43	%	%	NOUN
fsr-3909	186	44	10.3	10.3	NUM
fsr-3909	186	45	%	%	NOUN
fsr-3909	186	46	45.1	45.1	NUM
fsr-3909	186	47	%	%	NOUN
fsr-3909	186	48	47.7	47.7	NUM
fsr-3909	186	49	%	%	NOUN
fsr-3909	186	50	37.4	37.4	NUM
fsr-3909	186	51	%	%	NOUN
fsr-3909	186	52	83.4	83.4	NUM
fsr-3909	186	53	%	%	NOUN
fsr-3909	186	54	6.4	6.4	NUM
fsr-3909	186	55	%	%	NOUN
fsr-3909	186	56	45.5	45.5	NUM
fsr-3909	186	57	%	%	NOUN
fsr-3909	186	58	35.7	35.7	NUM
fsr-3909	186	59	%	%	NOUN
fsr-3909	186	60	79.6	79.6	NUM
fsr-3909	186	61	%	%	NOUN
fsr-3909	186	62	second	second	ADJ
fsr-3909	186	63	39.3	39.3	NUM
fsr-3909	186	64	%	%	NOUN
fsr-3909	186	65	9.7	9.7	NUM
fsr-3909	186	66	%	%	NOUN
fsr-3909	186	67	51.0	51.0	NUM
fsr-3909	186	68	%	%	NOUN
fsr-3909	186	69	49.2	49.2	NUM
fsr-3909	186	70	%	%	NOUN
fsr-3909	186	71	33.5	33.5	NUM
fsr-3909	186	72	%	%	NOUN
fsr-3909	186	73	83.1	83.1	NUM
fsr-3909	186	74	%	%	NOUN
fsr-3909	186	75	3.4	3.4	NUM
fsr-3909	186	76	%	%	NOUN
fsr-3909	186	77	40.7	40.7	NUM
fsr-3909	186	78	%	%	NOUN
fsr-3909	186	79	39.8	39.8	NUM
fsr-3909	186	80	%	%	NOUN
fsr-3909	186	81	76.7	76.7	NUM
fsr-3909	186	82	%	%	NOUN
fsr-3909	186	83	third	third	ADJ
fsr-3909	186	84	29.6	29.6	NUM
fsr-3909	186	85	%	%	NOUN
fsr-3909	186	86	14.3	14.3	NUM
fsr-3909	186	87	%	%	NOUN
fsr-3909	186	88	56.1	56.1	NUM
fsr-3909	186	89	%	%	NOUN
fsr-3909	186	90	46.8	46.8	NUM
fsr-3909	186	91	%	%	NOUN
fsr-3909	186	92	19.6	19.6	NUM
fsr-3909	186	93	%	%	NOUN
fsr-3909	186	94	71.5	71.5	NUM
fsr-3909	186	95	%	%	NOUN
fsr-3909	186	96	6.4	6.4	NUM
fsr-3909	186	97	%	%	NOUN
fsr-3909	186	98	29.4	29.4	NUM
fsr-3909	186	99	%	%	NOUN
fsr-3909	186	100	31.5	31.5	NUM
fsr-3909	186	101	%	%	NOUN
fsr-3909	186	102	57.4	57.4	NUM
fsr-3909	186	103	%	%	NOUN
fsr-3909	186	104	highest	high	ADJ
fsr-3909	186	105	24.2	24.2	NUM
fsr-3909	186	106	%	%	NOUN
fsr-3909	186	107	13.2	13.2	NUM
fsr-3909	186	108	%	%	NOUN
fsr-3909	186	109	62.6	62.6	NUM
fsr-3909	186	110	%	%	NOUN
fsr-3909	186	111	51.7	51.7	NUM
fsr-3909	186	112	%	%	NOUN
fsr-3909	186	113	15.7	15.7	NUM
fsr-3909	186	114	%	%	NOUN
fsr-3909	186	115	67.4	67.4	NUM
fsr-3909	186	116	%	%	NOUN
fsr-3909	186	117	3.4	3.4	NUM
fsr-3909	186	118	%	%	NOUN
fsr-3909	186	119	21.6	21.6	NUM
fsr-3909	186	120	%	%	NOUN
fsr-3909	186	121	36.4	36.4	NUM
fsr-3909	186	122	%	%	NOUN
fsr-3909	186	123	55.5	55.5	NUM
fsr-3909	186	124	%	%	NOUN
fsr-3909	186	125	the	the	DET
fsr-3909	186	126	cash%	cash%	PROPN
fsr-3909	186	127	,	,	PUNCT
fsr-3909	186	128	bonds%	bonds%	NOUN
fsr-3909	186	129	,	,	PUNCT
fsr-3909	186	130	and	and	CCONJ
fsr-3909	186	131	equity%	equity%	PRON
fsr-3909	186	132	columns	column	NOUN
fsr-3909	186	133	present	present	VERB
fsr-3909	186	134	the	the	DET
fsr-3909	186	135	average	average	ADJ
fsr-3909	186	136	dicision	dicision	NOUN
fsr-3909	186	137	of	of	ADP
fsr-3909	186	138	respondents	respondent	NOUN
fsr-3909	186	139	regarding	regard	VERB
fsr-3909	186	140	the	the	DET
fsr-3909	186	141	percent	percent	NOUN
fsr-3909	186	142	of	of	ADP
fsr-3909	186	143	total	total	ADJ
fsr-3909	186	144	retirement	retirement	NOUN
fsr-3909	186	145	dollars	dollar	NOUN
fsr-3909	186	146	invested	invest	VERB
fsr-3909	186	147	in	in	ADP
fsr-3909	186	148	each	each	PRON
fsr-3909	186	149	of	of	ADP
fsr-3909	186	150	the	the	DET
fsr-3909	186	151	asset	asset	NOUN
fsr-3909	186	152	categories	category	NOUN
fsr-3909	186	153	based	base	VERB
fsr-3909	186	154	on	on	ADP
fsr-3909	186	155	the	the	DET
fsr-3909	186	156	family	family	NOUN
fsr-3909	186	157	net	net	NOUN
fsr-3909	186	158	worth	worth	NOUN
fsr-3909	186	159	.	.	PUNCT
fsr-3909	187	1	for	for	ADP
fsr-3909	187	2	example	example	NOUN
fsr-3909	187	3	,	,	PUNCT
fsr-3909	187	4	the	the	DET
fsr-3909	187	5	percentage	percentage	NOUN
fsr-3909	187	6	cash	cash	NOUN
fsr-3909	187	7	is	be	AUX
fsr-3909	187	8	total	total	ADJ
fsr-3909	187	9	cash	cash	NOUN
fsr-3909	187	10	in	in	ADP
fsr-3909	187	11	the	the	DET
fsr-3909	187	12	retirement	retirement	NOUN
fsr-3909	187	13	account	account	NOUN
fsr-3909	187	14	divided	divide	VERB
fsr-3909	187	15	by	by	ADP
fsr-3909	187	16	the	the	DET
fsr-3909	187	17	total	total	ADJ
fsr-3909	187	18	assets	asset	NOUN
fsr-3909	187	19	in	in	ADP
fsr-3909	187	20	the	the	DET
fsr-3909	187	21	retirement	retirement	NOUN
fsr-3909	187	22	account	account	NOUN
fsr-3909	187	23	.	.	PUNCT
fsr-3909	188	1	the	the	DET
fsr-3909	188	2	sum	sum	NOUN
fsr-3909	188	3	of	of	ADP
fsr-3909	188	4	cash	cash	NOUN
fsr-3909	188	5	,	,	PUNCT
fsr-3909	188	6	bonds	bond	NOUN
fsr-3909	188	7	,	,	PUNCT
fsr-3909	188	8	and	and	CCONJ
fsr-3909	188	9	equity	equity	NOUN
fsr-3909	188	10	is	be	AUX
fsr-3909	188	11	100	100	NUM
fsr-3909	188	12	%	%	NOUN
fsr-3909	188	13	,	,	PUNCT
fsr-3909	188	14	with	with	ADP
fsr-3909	188	15	small	small	ADJ
fsr-3909	188	16	differences	difference	NOUN
fsr-3909	188	17	possible	possible	ADJ
fsr-3909	188	18	due	due	ADP
fsr-3909	188	19	to	to	ADP
fsr-3909	188	20	rounding	round	VERB
fsr-3909	188	21	.	.	PUNCT
fsr-3909	189	1	the	the	DET
fsr-3909	189	2	various	various	ADJ
fsr-3909	189	3	investment	investment	NOUN
fsr-3909	189	4	decisions	decision	NOUN
fsr-3909	189	5	show	show	VERB
fsr-3909	189	6	the	the	DET
fsr-3909	189	7	percentage	percentage	NOUN
fsr-3909	189	8	of	of	ADP
fsr-3909	189	9	each	each	DET
fsr-3909	189	10	net	net	ADJ
fsr-3909	189	11	worth	worth	ADJ
fsr-3909	189	12	category	category	NOUN
fsr-3909	189	13	making	make	VERB
fsr-3909	189	14	the	the	DET
fsr-3909	189	15	particular	particular	ADJ
fsr-3909	189	16	decision	decision	NOUN
fsr-3909	189	17	.	.	PUNCT
fsr-3909	190	1	for	for	ADP
fsr-3909	190	2	example	example	NOUN
fsr-3909	190	3	,	,	PUNCT
fsr-3909	190	4	47.7	47.7	NUM
fsr-3909	190	5	%	%	NOUN
fsr-3909	190	6	of	of	ADP
fsr-3909	190	7	those	those	PRON
fsr-3909	190	8	in	in	ADP
fsr-3909	190	9	the	the	DET
fsr-3909	190	10	lowest	low	ADJ
fsr-3909	190	11	net	net	ADJ
fsr-3909	190	12	worth	worth	ADJ
fsr-3909	190	13	category	category	NOUN
fsr-3909	190	14	chose	choose	VERB
fsr-3909	190	15	to	to	PART
fsr-3909	190	16	hold	hold	VERB
fsr-3909	190	17	no	no	DET
fsr-3909	190	18	cash	cash	NOUN
fsr-3909	190	19	,	,	PUNCT
fsr-3909	190	20	while	while	SCONJ
fsr-3909	190	21	37.4	37.4	NUM
fsr-3909	190	22	%	%	NOUN
fsr-3909	190	23	chose	choose	VERB
fsr-3909	190	24	to	to	PART
fsr-3909	190	25	hold	hold	VERB
fsr-3909	190	26	all	all	DET
fsr-3909	190	27	cash	cash	NOUN
fsr-3909	190	28	in	in	ADP
fsr-3909	190	29	their	their	PRON
fsr-3909	190	30	retirement	retirement	NOUN
fsr-3909	190	31	accounts	account	NOUN
fsr-3909	190	32	.	.	PUNCT
fsr-3909	191	1	a	a	DET
fsr-3909	191	2	full	full	ADJ
fsr-3909	191	3	79.6	79.6	NUM
fsr-3909	191	4	%	%	NOUN
fsr-3909	191	5	of	of	ADP
fsr-3909	191	6	those	those	PRON
fsr-3909	191	7	with	with	ADP
fsr-3909	191	8	the	the	DET
fsr-3909	191	9	lowest	low	ADJ
fsr-3909	191	10	net	net	ADJ
fsr-3909	191	11	worths	worth	NOUN
fsr-3909	191	12	chose	choose	VERB
fsr-3909	191	13	either	either	CCONJ
fsr-3909	191	14	all	all	DET
fsr-3909	191	15	cash	cash	NOUN
fsr-3909	191	16	,	,	PUNCT
fsr-3909	191	17	all	all	DET
fsr-3909	191	18	bonds	bond	NOUN
fsr-3909	191	19	,	,	PUNCT
fsr-3909	191	20	or	or	CCONJ
fsr-3909	191	21	all	all	DET
fsr-3909	191	22	equity	equity	NOUN
fsr-3909	191	23	.	.	PUNCT
fsr-3909	191	24	87d	87d	NOUN
fsr-3909	191	25	.	.	PUNCT
fsr-3909	192	1	waggle	waggle	PROPN
fsr-3909	192	2	,	,	PUNCT
fsr-3909	192	3	b.	b.	PROPN
fsr-3909	192	4	englis	englis	PROPN
fsr-3909	192	5	/	/	SYM
fsr-3909	192	6	financial	financial	ADJ
fsr-3909	192	7	services	service	NOUN
fsr-3909	192	8	review	review	VERB
fsr-3909	192	9	9	9	NUM
fsr-3909	192	10	(	(	PUNCT
fsr-3909	192	11	2000	2000	NUM
fsr-3909	192	12	)	)	PUNCT
fsr-3909	192	13	79–92	79–92	NOUN
fsr-3909	192	14	the	the	DET
fsr-3909	192	15	first	first	ADJ
fsr-3909	192	16	questionnaire	questionnaire	NOUN
fsr-3909	192	17	item	item	NOUN
fsr-3909	192	18	we	we	PRON
fsr-3909	192	19	analyze	analyze	VERB
fsr-3909	192	20	relates	relate	VERB
fsr-3909	192	21	to	to	ADP
fsr-3909	192	22	the	the	DET
fsr-3909	192	23	importance	importance	NOUN
fsr-3909	192	24	of	of	ADP
fsr-3909	192	25	earning	earn	VERB
fsr-3909	192	26	high	high	ADJ
fsr-3909	192	27	yields	yield	NOUN
fsr-3909	192	28	.	.	PUNCT
fsr-3909	193	1	survey	survey	NOUN
fsr-3909	193	2	participants	participant	NOUN
fsr-3909	193	3	were	be	AUX
fsr-3909	193	4	asked	ask	VERB
fsr-3909	193	5	whether	whether	SCONJ
fsr-3909	193	6	theyagree	theyagree	ADJ
fsr-3909	193	7	mostly	mostly	ADV
fsr-3909	193	8	,	,	PUNCT
fsr-3909	193	9	agree	agree	VERB
fsr-3909	193	10	somewhat	somewhat	ADV
fsr-3909	193	11	,	,	PUNCT
fsr-3909	193	12	disagree	disagree	VERB
fsr-3909	193	13	somewhat	somewhat	ADV
fsr-3909	193	14	,	,	PUNCT
fsr-3909	193	15	or	or	CCONJ
fsr-3909	193	16	disagree	disagree	VERB
fsr-3909	193	17	mostlywith	mostlywith	ADP
fsr-3909	193	18	the	the	DET
fsr-3909	193	19	statement“it	statement“it	PROPN
fsr-3909	193	20	is	be	AUX
fsr-3909	193	21	wise	wise	ADJ
fsr-3909	193	22	to	to	PART
fsr-3909	193	23	put	put	VERB
fsr-3909	193	24	some	some	DET
fsr-3909	193	25	portion	portion	NOUN
fsr-3909	193	26	of	of	ADP
fsr-3909	193	27	savings	saving	NOUN
fsr-3909	193	28	in	in	ADP
fsr-3909	193	29	uninsured	uninsured	ADJ
fsr-3909	193	30	investments	investment	NOUN
fsr-3909	193	31	to	to	PART
fsr-3909	193	32	get	get	VERB
fsr-3909	193	33	a	a	DET
fsr-3909	193	34	high	high	ADJ
fsr-3909	193	35	yield	yield	NOUN
fsr-3909	193	36	.	.	PUNCT
fsr-3909	194	1	”table	”table	ADJ
fsr-3909	194	2	8	8	NUM
fsr-3909	194	3	shows	show	VERB
fsr-3909	194	4	the	the	DET
fsr-3909	194	5	breakdown	breakdown	NOUN
fsr-3909	194	6	of	of	ADP
fsr-3909	194	7	responses	response	NOUN
fsr-3909	194	8	by	by	ADP
fsr-3909	194	9	age	age	NOUN
fsr-3909	194	10	.	.	PUNCT
fsr-3909	195	1	nearly	nearly	ADV
fsr-3909	195	2	35	35	NUM
fsr-3909	195	3	%	%	NOUN
fsr-3909	195	4	of	of	ADP
fsr-3909	195	5	the	the	DET
fsr-3909	195	6	sample	sample	NOUN
fsr-3909	195	7	disagreed	disagree	VERB
fsr-3909	195	8	(	(	PUNCT
fsr-3909	195	9	somewhat	somewhat	ADV
fsr-3909	195	10	or	or	CCONJ
fsr-3909	195	11	mostly	mostly	ADV
fsr-3909	195	12	)	)	PUNCT
fsr-3909	195	13	with	with	ADP
fsr-3909	195	14	this	this	DET
fsr-3909	195	15	statement	statement	NOUN
fsr-3909	195	16	,	,	PUNCT
fsr-3909	195	17	which	which	PRON
fsr-3909	195	18	may	may	AUX
fsr-3909	195	19	help	help	VERB
fsr-3909	195	20	to	to	PART
fsr-3909	195	21	explain	explain	VERB
fsr-3909	195	22	why	why	SCONJ
fsr-3909	195	23	so	so	ADV
fsr-3909	195	24	many	many	ADJ
fsr-3909	195	25	investors	investor	NOUN
fsr-3909	195	26	hold	hold	VERB
fsr-3909	195	27	100	100	NUM
fsr-3909	195	28	%	%	NOUN
fsr-3909	195	29	of	of	ADP
fsr-3909	195	30	their	their	PRON
fsr-3909	195	31	retirement	retirement	NOUN
fsr-3909	195	32	assets	asset	NOUN
fsr-3909	195	33	in	in	ADP
fsr-3909	195	34	cash	cash	NOUN
fsr-3909	195	35	.	.	PUNCT
fsr-3909	196	1	a	a	DET
fsr-3909	196	2	second	second	ADJ
fsr-3909	196	3	item	item	NOUN
fsr-3909	196	4	deals	deal	NOUN
fsr-3909	196	5	with	with	ADP
fsr-3909	196	6	the	the	DET
fsr-3909	196	7	respondent	respondent	NOUN
fsr-3909	196	8	’s	’s	PART
fsr-3909	196	9	willingness	willingness	NOUN
fsr-3909	196	10	to	to	PART
fsr-3909	196	11	incur	incur	VERB
fsr-3909	196	12	high	high	ADJ
fsr-3909	196	13	risk	risk	NOUN
fsr-3909	196	14	in	in	ADP
fsr-3909	196	15	order	order	NOUN
fsr-3909	196	16	to	to	PART
fsr-3909	196	17	reap	reap	VERB
fsr-3909	196	18	a	a	DET
fsr-3909	196	19	large	large	ADJ
fsr-3909	196	20	potential	potential	ADJ
fsr-3909	196	21	benefit	benefit	NOUN
fsr-3909	196	22	.	.	PUNCT
fsr-3909	197	1	respondents	respondent	NOUN
fsr-3909	197	2	were	be	AUX
fsr-3909	197	3	asked	ask	VERB
fsr-3909	197	4	whether	whether	SCONJ
fsr-3909	197	5	theyagree	theyagree	ADJ
fsr-3909	197	6	mostly	mostly	ADV
fsr-3909	197	7	,	,	PUNCT
fsr-3909	197	8	agree	agree	VERB
fsr-3909	197	9	somewhat	somewhat	ADV
fsr-3909	197	10	,	,	PUNCT
fsr-3909	197	11	disagree	disagree	VERB
fsr-3909	197	12	somewhat	somewhat	ADV
fsr-3909	197	13	,	,	PUNCT
fsr-3909	197	14	or	or	CCONJ
fsr-3909	197	15	disagree	disagree	VERB
fsr-3909	197	16	mostlywith	mostlywith	ADP
fsr-3909	197	17	the	the	DET
fsr-3909	197	18	statement“i	statement“i	NOUN
fsr-3909	197	19	am	be	AUX
fsr-3909	197	20	willing	willing	ADJ
fsr-3909	197	21	to	to	PART
fsr-3909	197	22	take	take	VERB
fsr-3909	197	23	substantial	substantial	ADJ
fsr-3909	197	24	risks	risk	NOUN
fsr-3909	197	25	to	to	PART
fsr-3909	197	26	realize	realize	VERB
fsr-3909	197	27	substantial	substantial	ADJ
fsr-3909	197	28	financial	financial	ADJ
fsr-3909	197	29	gains	gain	NOUN
fsr-3909	197	30	from	from	ADP
fsr-3909	197	31	investments	investment	NOUN
fsr-3909	197	32	.	.	PUNCT
fsr-3909	198	1	”the	”the	DET
fsr-3909	198	2	two	two	NUM
fsr-3909	198	3	items	item	NOUN
fsr-3909	198	4	are	be	AUX
fsr-3909	198	5	not	not	PART
fsr-3909	198	6	fully	fully	ADV
fsr-3909	198	7	independent	independent	ADJ
fsr-3909	198	8	,	,	PUNCT
fsr-3909	198	9	as	as	SCONJ
fsr-3909	198	10	agreement	agreement	NOUN
fsr-3909	198	11	with	with	ADP
fsr-3909	198	12	this	this	DET
fsr-3909	198	13	statement	statement	NOUN
fsr-3909	198	14	means	mean	VERB
fsr-3909	198	15	the	the	DET
fsr-3909	198	16	respondent	respondent	NOUN
fsr-3909	198	17	probably	probably	ADV
fsr-3909	198	18	agreed	agree	VERB
fsr-3909	198	19	with	with	ADP
fsr-3909	198	20	the	the	DET
fsr-3909	198	21	first	first	ADJ
fsr-3909	198	22	statement	statement	NOUN
fsr-3909	198	23	,	,	PUNCT
fsr-3909	198	24	but	but	CCONJ
fsr-3909	198	25	the	the	DET
fsr-3909	198	26	relationship	relationship	NOUN
fsr-3909	198	27	does	do	AUX
fsr-3909	198	28	not	not	PART
fsr-3909	198	29	hold	hold	VERB
fsr-3909	198	30	in	in	ADP
fsr-3909	198	31	the	the	DET
fsr-3909	198	32	opposite	opposite	ADJ
fsr-3909	198	33	direction	direction	NOUN
fsr-3909	198	34	.	.	PUNCT
fsr-3909	199	1	while	while	SCONJ
fsr-3909	199	2	older	old	ADJ
fsr-3909	199	3	respondents	respondent	NOUN
fsr-3909	199	4	might	might	AUX
fsr-3909	199	5	generally	generally	ADV
fsr-3909	199	6	be	be	AUX
fsr-3909	199	7	more	more	ADJ
fsr-3909	199	8	risk	risk	NOUN
fsr-3909	199	9	averse	averse	ADJ
fsr-3909	199	10	,	,	PUNCT
fsr-3909	199	11	there	there	PRON
fsr-3909	199	12	are	be	VERB
fsr-3909	199	13	certainly	certainly	ADV
fsr-3909	199	14	young	young	ADJ
fsr-3909	199	15	investors	investor	NOUN
fsr-3909	199	16	who	who	PRON
fsr-3909	199	17	are	be	AUX
fsr-3909	199	18	risk	risk	NOUN
fsr-3909	199	19	-	-	PUNCT
fsr-3909	199	20	averse	averse	ADJ
fsr-3909	199	21	and	and	CCONJ
fsr-3909	199	22	older	old	ADJ
fsr-3909	199	23	individuals	individual	NOUN
fsr-3909	199	24	who	who	PRON
fsr-3909	199	25	are	be	AUX
fsr-3909	199	26	willing	willing	ADJ
fsr-3909	199	27	to	to	PART
fsr-3909	199	28	accept	accept	VERB
fsr-3909	199	29	more	more	ADJ
fsr-3909	199	30	risk	risk	NOUN
fsr-3909	199	31	.	.	PUNCT
fsr-3909	200	1	as	as	SCONJ
fsr-3909	200	2	shown	show	VERB
fsr-3909	200	3	in	in	ADP
fsr-3909	200	4	table	table	NOUN
fsr-3909	200	5	8	8	NUM
fsr-3909	200	6	,	,	PUNCT
fsr-3909	200	7	about	about	ADV
fsr-3909	200	8	55	55	NUM
fsr-3909	200	9	%	%	NOUN
fsr-3909	200	10	of	of	ADP
fsr-3909	200	11	the	the	DET
fsr-3909	200	12	sample	sample	NOUN
fsr-3909	200	13	population	population	NOUN
fsr-3909	200	14	somewhat	somewhat	ADV
fsr-3909	200	15	or	or	CCONJ
fsr-3909	200	16	mostly	mostly	ADV
fsr-3909	200	17	disagreed	disagree	VERB
fsr-3909	200	18	regarding	regard	VERB
fsr-3909	200	19	their	their	PRON
fsr-3909	200	20	willingness	willingness	NOUN
fsr-3909	200	21	to	to	PART
fsr-3909	200	22	take	take	VERB
fsr-3909	200	23	substantial	substantial	ADJ
fsr-3909	200	24	risks	risk	NOUN
fsr-3909	200	25	to	to	PART
fsr-3909	200	26	obtain	obtain	VERB
fsr-3909	200	27	substantial	substantial	ADJ
fsr-3909	200	28	returns	return	NOUN
fsr-3909	200	29	.	.	PUNCT
fsr-3909	201	1	not	not	PART
fsr-3909	201	2	surprisingly	surprisingly	ADV
fsr-3909	201	3	,	,	PUNCT
fsr-3909	201	4	for	for	ADP
fsr-3909	201	5	individuals	individual	NOUN
fsr-3909	201	6	65	65	NUM
fsr-3909	201	7	or	or	CCONJ
fsr-3909	201	8	older	old	ADJ
fsr-3909	201	9	,	,	PUNCT
fsr-3909	201	10	this	this	DET
fsr-3909	201	11	percentage	percentage	NOUN
fsr-3909	201	12	increases	increase	VERB
fsr-3909	201	13	to	to	ADP
fsr-3909	201	14	75	75	NUM
fsr-3909	201	15	%	%	NOUN
fsr-3909	201	16	.	.	PUNCT
fsr-3909	202	1	although	although	SCONJ
fsr-3909	202	2	analysis	analysis	NOUN
fsr-3909	202	3	of	of	ADP
fsr-3909	202	4	such	such	ADJ
fsr-3909	202	5	measures	measure	NOUN
fsr-3909	202	6	of	of	ADP
fsr-3909	202	7	risk	risk	NOUN
fsr-3909	202	8	aversion	aversion	NOUN
fsr-3909	202	9	may	may	AUX
fsr-3909	202	10	prove	prove	VERB
fsr-3909	202	11	of	of	ADP
fsr-3909	202	12	interest	interest	NOUN
fsr-3909	202	13	,	,	PUNCT
fsr-3909	202	14	the	the	DET
fsr-3909	202	15	investment	investment	NOUN
fsr-3909	202	16	behavior	behavior	NOUN
fsr-3909	202	17	of	of	ADP
fsr-3909	202	18	individuals	individual	NOUN
fsr-3909	202	19	is	be	AUX
fsr-3909	202	20	not	not	PART
fsr-3909	202	21	always	always	ADV
fsr-3909	202	22	consistent	consistent	ADJ
fsr-3909	202	23	with	with	ADP
fsr-3909	202	24	their	their	PRON
fsr-3909	202	25	stated	state	VERB
fsr-3909	202	26	risk	risk	NOUN
fsr-3909	202	27	tolerance	tolerance	NOUN
fsr-3909	202	28	(	(	PUNCT
fsr-3909	202	29	as	as	SCONJ
fsr-3909	202	30	demonstrated	demonstrate	VERB
fsr-3909	202	31	in	in	ADP
fsr-3909	202	32	the	the	DET
fsr-3909	202	33	work	work	NOUN
fsr-3909	202	34	of	of	ADP
fsr-3909	202	35	jianakoplos	jianakoplos	PROPN
fsr-3909	202	36	&	&	CCONJ
fsr-3909	202	37	bernasek	bernasek	PROPN
fsr-3909	202	38	,	,	PUNCT
fsr-3909	202	39	1998	1998	NUM
fsr-3909	202	40	)	)	PUNCT
fsr-3909	202	41	.	.	PUNCT
fsr-3909	203	1	table	table	NOUN
fsr-3909	203	2	8	8	NUM
fsr-3909	203	3	survey	survey	NOUN
fsr-3909	203	4	questions	question	NOUN
fsr-3909	203	5	assessing	assess	VERB
fsr-3909	203	6	attitudes	attitude	NOUN
fsr-3909	203	7	toward	toward	ADP
fsr-3909	203	8	risk	risk	NOUN
fsr-3909	203	9	by	by	ADP
fsr-3909	203	10	age	age	NOUN
fsr-3909	203	11	“	"	PUNCT
fsr-3909	203	12	it	it	PRON
fsr-3909	203	13	is	be	AUX
fsr-3909	203	14	wise	wise	ADJ
fsr-3909	203	15	to	to	PART
fsr-3909	203	16	put	put	VERB
fsr-3909	203	17	some	some	DET
fsr-3909	203	18	portion	portion	NOUN
fsr-3909	203	19	of	of	ADP
fsr-3909	203	20	savings	saving	NOUN
fsr-3909	203	21	in	in	ADP
fsr-3909	203	22	uninsured	uninsured	ADJ
fsr-3909	203	23	investments	investment	NOUN
fsr-3909	203	24	to	to	PART
fsr-3909	203	25	get	get	VERB
fsr-3909	203	26	a	a	DET
fsr-3909	203	27	high	high	ADJ
fsr-3909	203	28	return	return	NOUN
fsr-3909	203	29	.	.	PUNCT
fsr-3909	203	30	”	"	PUNCT
fsr-3909	204	1	age	age	NOUN
fsr-3909	204	2	age	age	NOUN
fsr-3909	204	3	mostly	mostly	ADV
fsr-3909	204	4	agree	agree	VERB
fsr-3909	204	5	somewhat	somewhat	ADV
fsr-3909	204	6	disagree	disagree	VERB
fsr-3909	204	7	somewhat	somewhat	ADV
fsr-3909	204	8	disagree	disagree	VERB
fsr-3909	204	9	mostly	mostly	ADV
fsr-3909	204	10	,	,	PUNCT
fsr-3909	204	11	45	45	NUM
fsr-3909	204	12	26.6	26.6	NUM
fsr-3909	204	13	%	%	NOUN
fsr-3909	204	14	43.2	43.2	NUM
fsr-3909	204	15	%	%	NOUN
fsr-3909	204	16	22.9	22.9	NUM
fsr-3909	204	17	%	%	NOUN
fsr-3909	204	18	7.3	7.3	NUM
fsr-3909	204	19	%	%	NOUN
fsr-3909	204	20	45–54	45–54	NUM
fsr-3909	204	21	29.1	29.1	NUM
fsr-3909	204	22	%	%	NOUN
fsr-3909	204	23	38.1	38.1	NUM
fsr-3909	204	24	%	%	NOUN
fsr-3909	204	25	21.1	21.1	NUM
fsr-3909	204	26	%	%	NOUN
fsr-3909	204	27	11.7	11.7	NUM
fsr-3909	204	28	%	%	NOUN
fsr-3909	204	29	55–64	55–64	NUM
fsr-3909	204	30	29.7	29.7	NUM
fsr-3909	204	31	%	%	NOUN
fsr-3909	204	32	38.3	38.3	NUM
fsr-3909	204	33	%	%	NOUN
fsr-3909	204	34	19.4	19.4	NUM
fsr-3909	204	35	%	%	NOUN
fsr-3909	204	36	12.6	12.6	NUM
fsr-3909	204	37	%	%	NOUN
fsr-3909	204	38	651	651	NUM
fsr-3909	204	39	17.2	17.2	NUM
fsr-3909	204	40	%	%	NOUN
fsr-3909	204	41	30.5	30.5	NUM
fsr-3909	204	42	%	%	NOUN
fsr-3909	204	43	26.5	26.5	NUM
fsr-3909	204	44	%	%	NOUN
fsr-3909	204	45	25.8	25.8	NUM
fsr-3909	204	46	%	%	NOUN
fsr-3909	204	47	full	full	ADJ
fsr-3909	204	48	sample	sample	NOUN
fsr-3909	204	49	26.5	26.5	NUM
fsr-3909	204	50	%	%	NOUN
fsr-3909	204	51	38.6	38.6	NUM
fsr-3909	204	52	%	%	NOUN
fsr-3909	204	53	22.2	22.2	NUM
fsr-3909	204	54	%	%	NOUN
fsr-3909	204	55	12.7	12.7	NUM
fsr-3909	204	56	%	%	NOUN
fsr-3909	204	57	‘	'	PUNCT
fsr-3909	204	58	‘	'	PUNCT
fsr-3909	204	59	i	i	PRON
fsr-3909	204	60	am	be	AUX
fsr-3909	204	61	willing	willing	ADJ
fsr-3909	204	62	to	to	PART
fsr-3909	204	63	take	take	VERB
fsr-3909	204	64	substantial	substantial	ADJ
fsr-3909	204	65	risks	risk	NOUN
fsr-3909	204	66	to	to	PART
fsr-3909	204	67	realize	realize	VERB
fsr-3909	204	68	substantial	substantial	ADJ
fsr-3909	204	69	financial	financial	ADJ
fsr-3909	204	70	gains	gain	NOUN
fsr-3909	204	71	from	from	ADP
fsr-3909	204	72	investments	investment	NOUN
fsr-3909	204	73	.	.	PUNCT
fsr-3909	204	74	’’	’'	PUNCT
fsr-3909	205	1	age	age	NOUN
fsr-3909	205	2	age	age	NOUN
fsr-3909	205	3	mostly	mostly	ADV
fsr-3909	205	4	agree	agree	VERB
fsr-3909	205	5	somewhat	somewhat	ADV
fsr-3909	205	6	disagree	disagree	VERB
fsr-3909	205	7	somewhat	somewhat	ADV
fsr-3909	205	8	disagree	disagree	VERB
fsr-3909	205	9	mostly	mostly	ADV
fsr-3909	205	10	,	,	PUNCT
fsr-3909	205	11	45	45	NUM
fsr-3909	205	12	15.8	15.8	NUM
fsr-3909	205	13	%	%	NOUN
fsr-3909	205	14	36.8	36.8	NUM
fsr-3909	205	15	%	%	NOUN
fsr-3909	205	16	32.6	32.6	NUM
fsr-3909	205	17	%	%	NOUN
fsr-3909	205	18	14.8	14.8	NUM
fsr-3909	205	19	%	%	NOUN
fsr-3909	205	20	45–54	45–54	NUM
fsr-3909	205	21	11.3	11.3	NUM
fsr-3909	205	22	%	%	NOUN
fsr-3909	205	23	36.7	36.7	NUM
fsr-3909	205	24	%	%	NOUN
fsr-3909	205	25	31.7	31.7	NUM
fsr-3909	205	26	%	%	NOUN
fsr-3909	205	27	20.3	20.3	NUM
fsr-3909	205	28	%	%	NOUN
fsr-3909	205	29	55–64	55–64	NUM
fsr-3909	205	30	12.6	12.6	NUM
fsr-3909	205	31	%	%	NOUN
fsr-3909	205	32	30.9	30.9	NUM
fsr-3909	205	33	%	%	NOUN
fsr-3909	205	34	25.1	25.1	NUM
fsr-3909	205	35	%	%	NOUN
fsr-3909	205	36	31.4	31.4	NUM
fsr-3909	205	37	%	%	NOUN
fsr-3909	205	38	651	651	NUM
fsr-3909	205	39	2.6	2.6	NUM
fsr-3909	205	40	%	%	NOUN
fsr-3909	205	41	21.2	21.2	NUM
fsr-3909	205	42	%	%	NOUN
fsr-3909	205	43	31.8	31.8	NUM
fsr-3909	205	44	%	%	NOUN
fsr-3909	205	45	44.4	44.4	NUM
fsr-3909	205	46	%	%	NOUN
fsr-3909	205	47	full	full	ADJ
fsr-3909	205	48	sample	sample	NOUN
fsr-3909	205	49	11.6	11.6	NUM
fsr-3909	205	50	%	%	NOUN
fsr-3909	205	51	33.1	33.1	NUM
fsr-3909	205	52	%	%	NOUN
fsr-3909	205	53	30.8	30.8	NUM
fsr-3909	205	54	%	%	NOUN
fsr-3909	205	55	24.5	24.5	NUM
fsr-3909	205	56	%	%	NOUN
fsr-3909	205	57	the	the	DET
fsr-3909	205	58	table	table	NOUN
fsr-3909	205	59	presents	present	VERB
fsr-3909	205	60	the	the	DET
fsr-3909	205	61	percentage	percentage	NOUN
fsr-3909	205	62	of	of	ADP
fsr-3909	205	63	respondents	respondent	NOUN
fsr-3909	205	64	responding	respond	VERB
fsr-3909	205	65	in	in	ADP
fsr-3909	205	66	a	a	DET
fsr-3909	205	67	particular	particular	ADJ
fsr-3909	205	68	fashion	fashion	NOUN
fsr-3909	205	69	to	to	ADP
fsr-3909	205	70	the	the	DET
fsr-3909	205	71	above	above	ADJ
fsr-3909	205	72	statements	statement	NOUN
fsr-3909	205	73	based	base	VERB
fsr-3909	205	74	on	on	ADP
fsr-3909	205	75	the	the	DET
fsr-3909	205	76	age	age	NOUN
fsr-3909	205	77	of	of	ADP
fsr-3909	205	78	the	the	DET
fsr-3909	205	79	heads	head	NOUN
fsr-3909	205	80	of	of	ADP
fsr-3909	205	81	households	household	NOUN
fsr-3909	205	82	.	.	PUNCT
fsr-3909	206	1	for	for	ADP
fsr-3909	206	2	example	example	NOUN
fsr-3909	206	3	,	,	PUNCT
fsr-3909	206	4	26.6	26.6	NUM
fsr-3909	206	5	%	%	NOUN
fsr-3909	206	6	of	of	ADP
fsr-3909	206	7	respondents	respondent	NOUN
fsr-3909	206	8	with	with	ADP
fsr-3909	206	9	heads	head	NOUN
fsr-3909	206	10	of	of	ADP
fsr-3909	206	11	household	household	NOUN
fsr-3909	206	12	under	under	ADP
fsr-3909	206	13	45	45	NUM
fsr-3909	206	14	mostly	mostly	ADV
fsr-3909	206	15	agreed	agree	VERB
fsr-3909	206	16	with	with	ADP
fsr-3909	206	17	the	the	DET
fsr-3909	206	18	first	first	ADJ
fsr-3909	206	19	statement	statement	NOUN
fsr-3909	206	20	about	about	ADP
fsr-3909	206	21	high	high	ADJ
fsr-3909	206	22	yields	yield	NOUN
fsr-3909	206	23	.	.	PUNCT
fsr-3909	207	1	each	each	PRON
fsr-3909	207	2	of	of	ADP
fsr-3909	207	3	the	the	DET
fsr-3909	207	4	rows	row	NOUN
fsr-3909	207	5	sums	sum	VERB
fsr-3909	207	6	to	to	ADP
fsr-3909	207	7	100	100	NUM
fsr-3909	207	8	%	%	NOUN
fsr-3909	207	9	,	,	PUNCT
fsr-3909	207	10	with	with	ADP
fsr-3909	207	11	minor	minor	ADJ
fsr-3909	207	12	exceptions	exception	NOUN
fsr-3909	207	13	for	for	ADP
fsr-3909	207	14	rounding	round	VERB
fsr-3909	207	15	.	.	PUNCT
fsr-3909	208	1	88	88	NUM
fsr-3909	208	2	d.	d.	NOUN
fsr-3909	208	3	waggle	waggle	PROPN
fsr-3909	208	4	,	,	PUNCT
fsr-3909	208	5	b.	b.	PROPN
fsr-3909	208	6	englis	englis	PROPN
fsr-3909	208	7	/	/	SYM
fsr-3909	208	8	financial	financial	ADJ
fsr-3909	208	9	services	service	NOUN
fsr-3909	208	10	review	review	VERB
fsr-3909	208	11	9	9	NUM
fsr-3909	208	12	(	(	PUNCT
fsr-3909	208	13	2000	2000	NUM
fsr-3909	208	14	)	)	PUNCT
fsr-3909	208	15	79–92	79–92	NUM
fsr-3909	208	16	4.2	4.2	NUM
fsr-3909	208	17	.	.	PUNCT
fsr-3909	209	1	regression	regression	VERB
fsr-3909	209	2	analysis	analysis	NOUN
fsr-3909	209	3	the	the	DET
fsr-3909	209	4	final	final	ADJ
fsr-3909	209	5	part	part	NOUN
fsr-3909	209	6	of	of	ADP
fsr-3909	209	7	our	our	PRON
fsr-3909	209	8	analysis	analysis	NOUN
fsr-3909	209	9	is	be	AUX
fsr-3909	209	10	designed	design	VERB
fsr-3909	209	11	to	to	PART
fsr-3909	209	12	examine	examine	VERB
fsr-3909	209	13	the	the	DET
fsr-3909	209	14	relative	relative	ADJ
fsr-3909	209	15	contributions	contribution	NOUN
fsr-3909	209	16	of	of	ADP
fsr-3909	209	17	several	several	ADJ
fsr-3909	209	18	demographic	demographic	ADJ
fsr-3909	209	19	factors	factor	NOUN
fsr-3909	209	20	on	on	ADP
fsr-3909	209	21	individual	individual	ADJ
fsr-3909	209	22	investor	investor	NOUN
fsr-3909	209	23	retirement	retirement	PROPN
fsr-3909	209	24	account	account	PROPN
fsr-3909	209	25	asset	asset	NOUN
fsr-3909	209	26	allocations	allocation	NOUN
fsr-3909	209	27	.	.	PUNCT
fsr-3909	210	1	leastsquares	leastsquare	VERB
fsr-3909	210	2	multiple	multiple	ADJ
fsr-3909	210	3	regression	regression	NOUN
fsr-3909	210	4	is	be	AUX
fsr-3909	210	5	employed	employ	VERB
fsr-3909	210	6	to	to	PART
fsr-3909	210	7	explain	explain	VERB
fsr-3909	210	8	some	some	PRON
fsr-3909	210	9	of	of	ADP
fsr-3909	210	10	the	the	DET
fsr-3909	210	11	dispersion	dispersion	NOUN
fsr-3909	210	12	in	in	ADP
fsr-3909	210	13	equity	equity	NOUN
fsr-3909	210	14	allocation	allocation	NOUN
fsr-3909	210	15	decisions	decision	NOUN
fsr-3909	210	16	.	.	PUNCT
fsr-3909	211	1	we	we	PRON
fsr-3909	211	2	use	use	VERB
fsr-3909	211	3	the	the	DET
fsr-3909	211	4	logistic	logistic	ADJ
fsr-3909	211	5	transformation	transformation	NOUN
fsr-3909	211	6	of	of	ADP
fsr-3909	211	7	the	the	DET
fsr-3909	211	8	percentage	percentage	NOUN
fsr-3909	211	9	invested	invest	VERB
fsr-3909	211	10	in	in	ADP
fsr-3909	211	11	equity	equity	NOUN
fsr-3909	211	12	(	(	PUNCT
fsr-3909	211	13	equity	equity	NOUN
fsr-3909	211	14	/	/	SYM
fsr-3909	211	15	total	total	ADJ
fsr-3909	211	16	assets	asset	NOUN
fsr-3909	211	17	)	)	PUNCT
fsr-3909	211	18	as	as	ADP
fsr-3909	211	19	the	the	DET
fsr-3909	211	20	dependent	dependent	ADJ
fsr-3909	211	21	variable	variable	NOUN
fsr-3909	211	22	equity%	equity%	NOUN
fsr-3909	211	23	.	.	PUNCT
fsr-3909	212	1	since	since	SCONJ
fsr-3909	212	2	the	the	DET
fsr-3909	212	3	percentage	percentage	NOUN
fsr-3909	212	4	invested	invest	VERB
fsr-3909	212	5	in	in	ADP
fsr-3909	212	6	equity	equity	NOUN
fsr-3909	212	7	is	be	AUX
fsr-3909	212	8	constrained	constrain	VERB
fsr-3909	212	9	to	to	ADP
fsr-3909	212	10	a	a	DET
fsr-3909	212	11	minimum	minimum	NOUN
fsr-3909	212	12	of	of	ADP
fsr-3909	212	13	0	0	NUM
fsr-3909	212	14	%	%	NOUN
fsr-3909	212	15	and	and	CCONJ
fsr-3909	212	16	a	a	DET
fsr-3909	212	17	maximum	maximum	NOUN
fsr-3909	212	18	of	of	ADP
fsr-3909	212	19	100	100	NUM
fsr-3909	212	20	%	%	NOUN
fsr-3909	212	21	,	,	PUNCT
fsr-3909	212	22	the	the	DET
fsr-3909	212	23	logistic	logistic	ADJ
fsr-3909	212	24	transformation	transformation	NOUN
fsr-3909	212	25	provides	provide	VERB
fsr-3909	212	26	the	the	DET
fsr-3909	212	27	most	most	ADV
fsr-3909	212	28	suitable	suitable	ADJ
fsr-3909	212	29	fit	fit	NOUN
fsr-3909	212	30	for	for	ADP
fsr-3909	212	31	our	our	PRON
fsr-3909	212	32	data	datum	NOUN
fsr-3909	212	33	.	.	PUNCT
fsr-3909	213	1	the	the	DET
fsr-3909	213	2	logistic	logistic	ADJ
fsr-3909	213	3	transformation	transformation	NOUN
fsr-3909	213	4	is	be	AUX
fsr-3909	213	5	the	the	DET
fsr-3909	213	6	natural	natural	ADJ
fsr-3909	213	7	log	log	NOUN
fsr-3909	213	8	of	of	ADP
fsr-3909	213	9	the	the	DET
fsr-3909	213	10	percentage	percentage	NOUN
fsr-3909	213	11	equity	equity	NOUN
fsr-3909	213	12	divided	divide	VERB
fsr-3909	213	13	by	by	ADP
fsr-3909	213	14	one	one	NUM
fsr-3909	213	15	minus	minus	ADP
fsr-3909	213	16	the	the	DET
fsr-3909	213	17	percentage	percentage	NOUN
fsr-3909	213	18	equity	equity	NOUN
fsr-3909	213	19	.	.	PUNCT
fsr-3909	214	1	substitutions	substitution	NOUN
fsr-3909	214	2	of	of	ADP
fsr-3909	214	3	0.001	0.001	NUM
fsr-3909	214	4	for	for	ADP
fsr-3909	214	5	0	0	NUM
fsr-3909	214	6	%	%	NOUN
fsr-3909	214	7	equity	equity	NOUN
fsr-3909	214	8	and	and	CCONJ
fsr-3909	214	9	0.999	0.999	NUM
fsr-3909	214	10	for	for	ADP
fsr-3909	214	11	100	100	NUM
fsr-3909	214	12	%	%	NOUN
fsr-3909	214	13	equity	equity	NOUN
fsr-3909	214	14	were	be	AUX
fsr-3909	214	15	made	make	VERB
fsr-3909	214	16	.	.	PUNCT
fsr-3909	215	1	the	the	DET
fsr-3909	215	2	regression	regression	NOUN
fsr-3909	215	3	equation	equation	NOUN
fsr-3909	215	4	takes	take	VERB
fsr-3909	215	5	the	the	DET
fsr-3909	215	6	following	follow	VERB
fsr-3909	215	7	form	form	NOUN
fsr-3909	215	8	:	:	PUNCT
fsr-3909	215	9	equity%i	equity%i	PROPN
fsr-3909	215	10	5	5	NUM
fsr-3909	215	11	b1	b1	NOUN
fsr-3909	215	12	1	1	NUM
fsr-3909	215	13	b2	b2	NOUN
fsr-3909	215	14	age	age	NOUN
fsr-3909	215	15	i	i	NOUN
fsr-3909	215	16	1	1	NUM
fsr-3909	215	17	b3	b3	NOUN
fsr-3909	215	18	net	net	NOUN
fsr-3909	215	19	worthi	worthi	ADJ
fsr-3909	215	20	1	1	NUM
fsr-3909	215	21	b4	b4	NOUN
fsr-3909	215	22	own	own	ADJ
fsr-3909	215	23	home	home	NOUN
fsr-3909	216	1	i	i	PRON
fsr-3909	216	2	1	1	NUM
fsr-3909	216	3	b5	b5	PROPN
fsr-3909	216	4	collegei	collegei	NOUN
fsr-3909	216	5	1	1	NUM
fsr-3909	216	6	b6	b6	NOUN
fsr-3909	216	7	married	marry	VERB
fsr-3909	216	8	i	i	PRON
fsr-3909	216	9	(	(	PUNCT
fsr-3909	216	10	1	1	X
fsr-3909	216	11	)	)	PUNCT
fsr-3909	216	12	age	age	NOUN
fsr-3909	216	13	is	be	AUX
fsr-3909	216	14	the	the	DET
fsr-3909	216	15	age	age	NOUN
fsr-3909	216	16	of	of	ADP
fsr-3909	216	17	the	the	DET
fsr-3909	216	18	survey	survey	NOUN
fsr-3909	216	19	respondent	respondent	NOUN
fsr-3909	216	20	and	and	CCONJ
fsr-3909	216	21	net	net	ADJ
fsr-3909	216	22	worth	worth	NOUN
fsr-3909	216	23	is	be	AUX
fsr-3909	216	24	the	the	DET
fsr-3909	216	25	family	family	NOUN
fsr-3909	216	26	unit	unit	NOUN
fsr-3909	216	27	net	net	NOUN
fsr-3909	216	28	worth	worth	NOUN
fsr-3909	216	29	in	in	ADP
fsr-3909	216	30	thousands	thousand	NOUN
fsr-3909	216	31	of	of	ADP
fsr-3909	216	32	dollars	dollar	NOUN
fsr-3909	216	33	.	.	PUNCT
fsr-3909	217	1	own	own	ADJ
fsr-3909	217	2	home	home	NOUN
fsr-3909	217	3	,	,	PUNCT
fsr-3909	217	4	college	college	NOUN
fsr-3909	217	5	,	,	PUNCT
fsr-3909	217	6	and	and	CCONJ
fsr-3909	217	7	married	married	ADJ
fsr-3909	217	8	are	be	AUX
fsr-3909	217	9	all	all	PRON
fsr-3909	217	10	dummy	dummy	ADJ
fsr-3909	217	11	variables	variable	NOUN
fsr-3909	217	12	that	that	PRON
fsr-3909	217	13	are	be	AUX
fsr-3909	217	14	one	one	NUM
fsr-3909	217	15	if	if	SCONJ
fsr-3909	217	16	the	the	DET
fsr-3909	217	17	statement	statement	NOUN
fsr-3909	217	18	is	be	AUX
fsr-3909	217	19	true	true	ADJ
fsr-3909	217	20	and	and	CCONJ
fsr-3909	217	21	zero	zero	NUM
fsr-3909	217	22	otherwise	otherwise	ADV
fsr-3909	217	23	.	.	PUNCT
fsr-3909	218	1	the	the	DET
fsr-3909	218	2	results	result	NOUN
fsr-3909	218	3	of	of	ADP
fsr-3909	218	4	the	the	DET
fsr-3909	218	5	regression	regression	NOUN
fsr-3909	218	6	equation	equation	NOUN
fsr-3909	218	7	are	be	AUX
fsr-3909	218	8	shown	show	VERB
fsr-3909	218	9	in	in	ADP
fsr-3909	218	10	table	table	NOUN
fsr-3909	218	11	9	9	NUM
fsr-3909	218	12	.	.	PUNCT
fsr-3909	219	1	age	age	NOUN
fsr-3909	219	2	,	,	PUNCT
fsr-3909	219	3	net	net	ADJ
fsr-3909	219	4	worth	worth	NOUN
fsr-3909	219	5	,	,	PUNCT
fsr-3909	219	6	and	and	CCONJ
fsr-3909	219	7	college	college	NOUN
fsr-3909	219	8	are	be	AUX
fsr-3909	219	9	all	all	ADV
fsr-3909	219	10	significant	significant	ADJ
fsr-3909	219	11	at	at	ADP
fsr-3909	219	12	the	the	DET
fsr-3909	219	13	0.05	0.05	NUM
fsr-3909	219	14	level	level	NOUN
fsr-3909	219	15	.	.	PUNCT
fsr-3909	220	1	the	the	DET
fsr-3909	220	2	coefficient	coefficient	NOUN
fsr-3909	220	3	on	on	ADP
fsr-3909	220	4	age	age	NOUN
fsr-3909	220	5	has	have	VERB
fsr-3909	220	6	the	the	DET
fsr-3909	220	7	expected	expect	VERB
fsr-3909	220	8	negative	negative	ADJ
fsr-3909	220	9	sign	sign	NOUN
fsr-3909	220	10	showing	show	VERB
fsr-3909	220	11	that	that	SCONJ
fsr-3909	220	12	the	the	DET
fsr-3909	220	13	percentage	percentage	NOUN
fsr-3909	220	14	of	of	ADP
fsr-3909	220	15	assets	asset	NOUN
fsr-3909	220	16	invested	invest	VERB
fsr-3909	220	17	in	in	ADP
fsr-3909	220	18	equity	equity	NOUN
fsr-3909	220	19	decreases	decrease	NOUN
fsr-3909	220	20	as	as	ADP
fsr-3909	220	21	the	the	DET
fsr-3909	220	22	investor	investor	NOUN
fsr-3909	220	23	ages	age	NOUN
fsr-3909	220	24	.	.	PUNCT
fsr-3909	221	1	the	the	DET
fsr-3909	221	2	positive	positive	ADJ
fsr-3909	221	3	coefficient	coefficient	NOUN
fsr-3909	221	4	on	on	ADP
fsr-3909	221	5	net	net	ADJ
fsr-3909	221	6	worth	worth	NOUN
fsr-3909	221	7	shows	show	VERB
fsr-3909	221	8	that	that	SCONJ
fsr-3909	221	9	the	the	DET
fsr-3909	221	10	equity	equity	NOUN
fsr-3909	221	11	allocation	allocation	NOUN
fsr-3909	221	12	in	in	ADP
fsr-3909	221	13	retirement	retirement	NOUN
fsr-3909	221	14	accounts	account	NOUN
fsr-3909	221	15	increases	increase	VERB
fsr-3909	221	16	with	with	ADP
fsr-3909	221	17	higher	high	ADJ
fsr-3909	221	18	net	net	ADJ
fsr-3909	221	19	worth	worth	ADJ
fsr-3909	221	20	levels	level	NOUN
fsr-3909	221	21	.	.	PUNCT
fsr-3909	222	1	completion	completion	NOUN
fsr-3909	222	2	of	of	ADP
fsr-3909	222	3	college	college	NOUN
fsr-3909	222	4	is	be	AUX
fsr-3909	222	5	also	also	ADV
fsr-3909	222	6	consistent	consistent	ADJ
fsr-3909	222	7	with	with	ADP
fsr-3909	222	8	a	a	DET
fsr-3909	222	9	higher	high	ADJ
fsr-3909	222	10	allocation	allocation	NOUN
fsr-3909	222	11	to	to	ADP
fsr-3909	222	12	equity	equity	NOUN
fsr-3909	222	13	.	.	PUNCT
fsr-3909	223	1	5	5	X
fsr-3909	223	2	.	.	X
fsr-3909	223	3	conclusions	conclusion	NOUN
fsr-3909	223	4	we	we	PRON
fsr-3909	223	5	have	have	AUX
fsr-3909	223	6	examined	examine	VERB
fsr-3909	223	7	the	the	DET
fsr-3909	223	8	asset	asset	NOUN
fsr-3909	223	9	allocation	allocation	NOUN
fsr-3909	223	10	decisions	decision	NOUN
fsr-3909	223	11	that	that	PRON
fsr-3909	223	12	a	a	DET
fsr-3909	223	13	large	large	ADJ
fsr-3909	223	14	sample	sample	NOUN
fsr-3909	223	15	of	of	ADP
fsr-3909	223	16	individuals	individual	NOUN
fsr-3909	223	17	made	make	VERB
fsr-3909	223	18	in	in	ADP
fsr-3909	223	19	their	their	PRON
fsr-3909	223	20	retirement	retirement	NOUN
fsr-3909	223	21	accounts	account	NOUN
fsr-3909	223	22	.	.	PUNCT
fsr-3909	224	1	our	our	PRON
fsr-3909	224	2	sample	sample	NOUN
fsr-3909	224	3	group	group	NOUN
fsr-3909	224	4	is	be	AUX
fsr-3909	224	5	wealthier	wealthy	ADJ
fsr-3909	224	6	and	and	CCONJ
fsr-3909	224	7	more	more	ADV
fsr-3909	224	8	educated	educate	VERB
fsr-3909	224	9	than	than	ADP
fsr-3909	224	10	the	the	DET
fsr-3909	224	11	population	population	NOUN
fsr-3909	224	12	as	as	ADP
fsr-3909	224	13	a	a	DET
fsr-3909	224	14	whole	whole	NOUN
fsr-3909	224	15	,	,	PUNCT
fsr-3909	224	16	so	so	SCONJ
fsr-3909	224	17	they	they	PRON
fsr-3909	224	18	should	should	AUX
fsr-3909	224	19	be	be	AUX
fsr-3909	224	20	expected	expect	VERB
fsr-3909	224	21	to	to	PART
fsr-3909	224	22	make	make	VERB
fsr-3909	224	23	investment	investment	NOUN
fsr-3909	224	24	decisions	decision	NOUN
fsr-3909	224	25	that	that	PRON
fsr-3909	224	26	are	be	AUX
fsr-3909	224	27	table	table	NOUN
fsr-3909	224	28	9	9	NUM
fsr-3909	224	29	regression	regression	NOUN
fsr-3909	224	30	of	of	ADP
fsr-3909	224	31	equity	equity	NOUN
fsr-3909	224	32	allocation	allocation	NOUN
fsr-3909	224	33	decision	decision	NOUN
fsr-3909	224	34	independent	independent	ADJ
fsr-3909	224	35	variables	variable	NOUN
fsr-3909	224	36	coefficient	coefficient	VERB
fsr-3909	224	37	t	t	PROPN
fsr-3909	224	38	-	-	PUNCT
fsr-3909	224	39	statistic	statistic	NOUN
fsr-3909	224	40	intercept	intercept	NOUN
fsr-3909	224	41	2.8668	2.8668	NUM
fsr-3909	224	42	2.74	2.74	NUM
fsr-3909	224	43	*	*	PUNCT
fsr-3909	224	44	*	*	PUNCT
fsr-3909	224	45	age	age	NOUN
fsr-3909	224	46	20.1007	20.1007	NUM
fsr-3909	224	47	26.52	26.52	NUM
fsr-3909	224	48	*	*	PUNCT
fsr-3909	224	49	*	*	NOUN
fsr-3909	224	50	net	net	ADJ
fsr-3909	224	51	worth	worth	ADJ
fsr-3909	224	52	0.0003	0.0003	NUM
fsr-3909	224	53	2.29	2.29	NUM
fsr-3909	224	54	*	*	NOUN
fsr-3909	224	55	own	own	ADJ
fsr-3909	224	56	home	home	NOUN
fsr-3909	224	57	1.0210	1.0210	NUM
fsr-3909	224	58	1.35	1.35	NUM
fsr-3909	224	59	college	college	NOUN
fsr-3909	224	60	1.7269	1.7269	NUM
fsr-3909	224	61	4.14	4.14	NUM
fsr-3909	224	62	*	*	PUNCT
fsr-3909	224	63	*	*	PUNCT
fsr-3909	224	64	married	marry	VERB
fsr-3909	224	65	0.2882	0.2882	NUM
fsr-3909	224	66	0.57	0.57	NUM
fsr-3909	224	67	f	f	NOUN
fsr-3909	224	68	5	5	NUM
fsr-3909	224	69	14.0410	14.0410	NUM
fsr-3909	224	70	,	,	PUNCT
fsr-3909	224	71	p	p	NOUN
fsr-3909	224	72	-	-	PUNCT
fsr-3909	224	73	value	value	NOUN
fsr-3909	224	74	#	#	NOUN
fsr-3909	224	75	.01	.01	NUM
fsr-3909	224	76	.	.	PUNCT
fsr-3909	225	1	*	*	PUNCT
fsr-3909	225	2	significant	significant	ADJ
fsr-3909	225	3	at	at	ADP
fsr-3909	225	4	the	the	DET
fsr-3909	225	5	5	5	NUM
fsr-3909	225	6	percent	percent	NOUN
fsr-3909	225	7	level	level	NOUN
fsr-3909	225	8	.	.	PUNCT
fsr-3909	226	1	*	*	PUNCT
fsr-3909	226	2	*	*	PUNCT
fsr-3909	226	3	significant	significant	ADJ
fsr-3909	226	4	at	at	ADP
fsr-3909	226	5	the	the	DET
fsr-3909	226	6	1	1	NUM
fsr-3909	226	7	percent	percent	NOUN
fsr-3909	226	8	level	level	NOUN
fsr-3909	226	9	.	.	PUNCT
fsr-3909	227	1	89d	89d	NOUN
fsr-3909	227	2	.	.	PUNCT
fsr-3909	228	1	waggle	waggle	PROPN
fsr-3909	228	2	,	,	PUNCT
fsr-3909	228	3	b.	b.	PROPN
fsr-3909	228	4	englis	englis	PROPN
fsr-3909	228	5	/	/	SYM
fsr-3909	228	6	financial	financial	ADJ
fsr-3909	228	7	services	service	NOUN
fsr-3909	228	8	review	review	VERB
fsr-3909	228	9	9	9	NUM
fsr-3909	228	10	(	(	PUNCT
fsr-3909	228	11	2000	2000	NUM
fsr-3909	228	12	)	)	PUNCT
fsr-3909	228	13	79–92	79–92	NOUN
fsr-3909	228	14	generally	generally	ADV
fsr-3909	228	15	better	well	ADV
fsr-3909	228	16	informed	inform	VERB
fsr-3909	228	17	than	than	ADP
fsr-3909	228	18	the	the	DET
fsr-3909	228	19	typical	typical	ADJ
fsr-3909	228	20	investor	investor	NOUN
fsr-3909	228	21	.	.	PUNCT
fsr-3909	229	1	despite	despite	SCONJ
fsr-3909	229	2	this	this	PRON
fsr-3909	229	3	,	,	PUNCT
fsr-3909	229	4	we	we	PRON
fsr-3909	229	5	find	find	VERB
fsr-3909	229	6	that	that	SCONJ
fsr-3909	229	7	the	the	DET
fsr-3909	229	8	sample	sample	NOUN
fsr-3909	229	9	studied	study	VERB
fsr-3909	229	10	tended	tend	VERB
fsr-3909	229	11	overall	overall	ADV
fsr-3909	229	12	to	to	PART
fsr-3909	229	13	hold	hold	VERB
fsr-3909	229	14	less	less	ADV
fsr-3909	229	15	diversified	diversified	ADJ
fsr-3909	229	16	retirement	retirement	NOUN
fsr-3909	229	17	portfolios	portfolio	NOUN
fsr-3909	229	18	than	than	SCONJ
fsr-3909	229	19	would	would	AUX
fsr-3909	229	20	be	be	AUX
fsr-3909	229	21	expected	expect	VERB
fsr-3909	229	22	,	,	PUNCT
fsr-3909	229	23	to	to	AUX
fsr-3909	229	24	underinvest	underinv	ADJ
fsr-3909	229	25	in	in	ADP
fsr-3909	229	26	bonds	bond	NOUN
fsr-3909	229	27	,	,	PUNCT
fsr-3909	229	28	and	and	CCONJ
fsr-3909	229	29	to	to	PART
fsr-3909	229	30	hold	hold	VERB
fsr-3909	229	31	high	high	ADJ
fsr-3909	229	32	levels	level	NOUN
fsr-3909	229	33	of	of	ADP
fsr-3909	229	34	cash	cash	NOUN
fsr-3909	229	35	in	in	ADP
fsr-3909	229	36	their	their	PRON
fsr-3909	229	37	portfolios	portfolio	NOUN
fsr-3909	229	38	.	.	PUNCT
fsr-3909	230	1	the	the	DET
fsr-3909	230	2	results	result	NOUN
fsr-3909	230	3	shed	shed	VERB
fsr-3909	230	4	light	light	NOUN
fsr-3909	230	5	on	on	ADP
fsr-3909	230	6	the	the	DET
fsr-3909	230	7	role	role	NOUN
fsr-3909	230	8	of	of	ADP
fsr-3909	230	9	several	several	ADJ
fsr-3909	230	10	demographic	demographic	ADJ
fsr-3909	230	11	and	and	CCONJ
fsr-3909	230	12	psychological	psychological	ADJ
fsr-3909	230	13	characteristics	characteristic	NOUN
fsr-3909	230	14	on	on	ADP
fsr-3909	230	15	asset	asset	NOUN
fsr-3909	230	16	allocation	allocation	NOUN
fsr-3909	230	17	patterns	pattern	NOUN
fsr-3909	230	18	.	.	PUNCT
fsr-3909	231	1	our	our	PRON
fsr-3909	231	2	findings	finding	NOUN
fsr-3909	231	3	also	also	ADV
fsr-3909	231	4	provide	provide	VERB
fsr-3909	231	5	clues	clue	NOUN
fsr-3909	231	6	about	about	ADP
fsr-3909	231	7	the	the	DET
fsr-3909	231	8	likely	likely	ADJ
fsr-3909	231	9	behavior	behavior	NOUN
fsr-3909	231	10	of	of	ADP
fsr-3909	231	11	investors	investor	NOUN
fsr-3909	231	12	as	as	SCONJ
fsr-3909	231	13	they	they	PRON
fsr-3909	231	14	gain	gain	VERB
fsr-3909	231	15	control	control	NOUN
fsr-3909	231	16	over	over	ADP
fsr-3909	231	17	retirement	retirement	NOUN
fsr-3909	231	18	funds	fund	NOUN
fsr-3909	231	19	through	through	ADP
fsr-3909	231	20	either	either	PRON
fsr-3909	231	21	employer	employer	NOUN
fsr-3909	231	22	-	-	PUNCT
fsr-3909	231	23	sponsored	sponsor	VERB
fsr-3909	231	24	,	,	PUNCT
fsr-3909	231	25	self	self	NOUN
fsr-3909	231	26	-	-	PUNCT
fsr-3909	231	27	directed	direct	VERB
fsr-3909	231	28	retirement	retirement	NOUN
fsr-3909	231	29	accounts	account	NOUN
fsr-3909	231	30	or	or	CCONJ
fsr-3909	231	31	changes	change	NOUN
fsr-3909	231	32	in	in	ADP
fsr-3909	231	33	the	the	DET
fsr-3909	231	34	current	current	ADJ
fsr-3909	231	35	social	social	ADJ
fsr-3909	231	36	security	security	NOUN
fsr-3909	231	37	system	system	NOUN
fsr-3909	231	38	.	.	PUNCT
fsr-3909	232	1	as	as	ADP
fsr-3909	232	2	a	a	DET
fsr-3909	232	3	cautionary	cautionary	ADJ
fsr-3909	232	4	note	note	NOUN
fsr-3909	232	5	,	,	PUNCT
fsr-3909	232	6	we	we	PRON
fsr-3909	232	7	once	once	ADV
fsr-3909	232	8	again	again	ADV
fsr-3909	232	9	point	point	VERB
fsr-3909	232	10	out	out	ADP
fsr-3909	232	11	that	that	SCONJ
fsr-3909	232	12	our	our	PRON
fsr-3909	232	13	sample	sample	NOUN
fsr-3909	232	14	data	datum	NOUN
fsr-3909	232	15	only	only	ADV
fsr-3909	232	16	includes	include	VERB
fsr-3909	232	17	ira	ira	PROPN
fsr-3909	232	18	accounts	account	NOUN
fsr-3909	232	19	,	,	PUNCT
fsr-3909	232	20	and	and	CCONJ
fsr-3909	232	21	individuals	individual	NOUN
fsr-3909	232	22	may	may	AUX
fsr-3909	232	23	be	be	AUX
fsr-3909	232	24	diversifying	diversify	VERB
fsr-3909	232	25	across	across	ADP
fsr-3909	232	26	other	other	ADJ
fsr-3909	232	27	retirement	retirement	NOUN
fsr-3909	232	28	accounts	account	NOUN
fsr-3909	232	29	that	that	PRON
fsr-3909	232	30	we	we	PRON
fsr-3909	232	31	can	can	AUX
fsr-3909	232	32	not	not	PART
fsr-3909	232	33	observe	observe	VERB
fsr-3909	232	34	.	.	PUNCT
fsr-3909	233	1	a	a	DET
fsr-3909	233	2	particularly	particularly	ADV
fsr-3909	233	3	striking	striking	ADJ
fsr-3909	233	4	result	result	NOUN
fsr-3909	233	5	of	of	ADP
fsr-3909	233	6	our	our	PRON
fsr-3909	233	7	analysis	analysis	NOUN
fsr-3909	233	8	is	be	AUX
fsr-3909	233	9	the	the	DET
fsr-3909	233	10	finding	finding	NOUN
fsr-3909	233	11	that	that	SCONJ
fsr-3909	233	12	a	a	DET
fsr-3909	233	13	majority	majority	NOUN
fsr-3909	233	14	of	of	ADP
fsr-3909	233	15	investors	investor	NOUN
fsr-3909	233	16	made	make	VERB
fsr-3909	233	17	all	all	DET
fsr-3909	233	18	-	-	PUNCT
fsr-3909	233	19	or	or	CCONJ
fsr-3909	233	20	-	-	PUNCT
fsr-3909	233	21	nothing	nothing	PRON
fsr-3909	233	22	asset	asset	NOUN
fsr-3909	233	23	allocation	allocation	NOUN
fsr-3909	233	24	decisions	decision	NOUN
fsr-3909	233	25	.	.	PUNCT
fsr-3909	234	1	over	over	ADP
fsr-3909	234	2	two	two	NUM
fsr-3909	234	3	-	-	PUNCT
fsr-3909	234	4	thirds	third	NOUN
fsr-3909	234	5	of	of	ADP
fsr-3909	234	6	investors	investor	NOUN
fsr-3909	234	7	put	put	VERB
fsr-3909	234	8	their	their	PRON
fsr-3909	234	9	ira	ira	PROPN
fsr-3909	234	10	funds	fund	NOUN
fsr-3909	234	11	entirely	entirely	ADV
fsr-3909	234	12	in	in	ADP
fsr-3909	234	13	cash	cash	NOUN
fsr-3909	234	14	,	,	PUNCT
fsr-3909	234	15	bonds	bond	NOUN
fsr-3909	234	16	,	,	PUNCT
fsr-3909	234	17	or	or	CCONJ
fsr-3909	234	18	equity	equity	NOUN
fsr-3909	234	19	.	.	PUNCT
fsr-3909	235	1	diversification	diversification	NOUN
fsr-3909	235	2	across	across	ADP
fsr-3909	235	3	asset	asset	NOUN
fsr-3909	235	4	categories	category	NOUN
fsr-3909	235	5	was	be	AUX
fsr-3909	235	6	the	the	DET
fsr-3909	235	7	exception	exception	NOUN
fsr-3909	235	8	,	,	PUNCT
fsr-3909	235	9	rather	rather	ADV
fsr-3909	235	10	than	than	ADP
fsr-3909	235	11	the	the	DET
fsr-3909	235	12	rule	rule	NOUN
fsr-3909	235	13	,	,	PUNCT
fsr-3909	235	14	for	for	ADP
fsr-3909	235	15	all	all	DET
fsr-3909	235	16	age	age	NOUN
fsr-3909	235	17	and	and	CCONJ
fsr-3909	235	18	net	net	ADJ
fsr-3909	235	19	worth	worth	ADJ
fsr-3909	235	20	groupings	grouping	NOUN
fsr-3909	235	21	.	.	PUNCT
fsr-3909	236	1	in	in	ADP
fsr-3909	236	2	addition	addition	NOUN
fsr-3909	236	3	,	,	PUNCT
fsr-3909	236	4	cash	cash	NOUN
fsr-3909	236	5	held	hold	VERB
fsr-3909	236	6	a	a	DET
fsr-3909	236	7	much	much	ADV
fsr-3909	236	8	higher	high	ADJ
fsr-3909	236	9	position	position	NOUN
fsr-3909	236	10	in	in	ADP
fsr-3909	236	11	the	the	DET
fsr-3909	236	12	accounts	account	NOUN
fsr-3909	236	13	than	than	SCONJ
fsr-3909	236	14	advocated	advocate	VERB
fsr-3909	236	15	by	by	ADP
fsr-3909	236	16	investment	investment	NOUN
fsr-3909	236	17	professionals	professional	NOUN
fsr-3909	236	18	.	.	PUNCT
fsr-3909	237	1	over	over	ADP
fsr-3909	237	2	34	34	NUM
fsr-3909	237	3	%	%	NOUN
fsr-3909	237	4	of	of	ADP
fsr-3909	237	5	retirement	retirement	NOUN
fsr-3909	237	6	funds	fund	NOUN
fsr-3909	237	7	were	be	AUX
fsr-3909	237	8	held	hold	VERB
fsr-3909	237	9	in	in	ADP
fsr-3909	237	10	cash	cash	NOUN
fsr-3909	237	11	with	with	ADP
fsr-3909	237	12	26	26	NUM
fsr-3909	237	13	%	%	NOUN
fsr-3909	237	14	of	of	ADP
fsr-3909	237	15	respondents	respondent	NOUN
fsr-3909	237	16	investing	invest	VERB
fsr-3909	237	17	their	their	PRON
fsr-3909	237	18	entire	entire	ADJ
fsr-3909	237	19	accounts	account	NOUN
fsr-3909	237	20	in	in	ADP
fsr-3909	237	21	cash	cash	NOUN
fsr-3909	237	22	.	.	PUNCT
fsr-3909	238	1	investors	investor	NOUN
fsr-3909	238	2	with	with	ADP
fsr-3909	238	3	high	high	ADJ
fsr-3909	238	4	cash	cash	NOUN
fsr-3909	238	5	levels	level	NOUN
fsr-3909	238	6	may	may	AUX
fsr-3909	238	7	be	be	AUX
fsr-3909	238	8	very	very	ADV
fsr-3909	238	9	cautious	cautious	ADJ
fsr-3909	238	10	or	or	CCONJ
fsr-3909	238	11	may	may	AUX
fsr-3909	238	12	hold	hold	VERB
fsr-3909	238	13	ira	ira	PROPN
fsr-3909	238	14	accounts	account	NOUN
fsr-3909	238	15	at	at	ADP
fsr-3909	238	16	banks	bank	NOUN
fsr-3909	238	17	where	where	SCONJ
fsr-3909	238	18	noncash	noncash	NOUN
fsr-3909	238	19	investment	investment	NOUN
fsr-3909	238	20	opportunities	opportunity	NOUN
fsr-3909	238	21	are	be	AUX
fsr-3909	238	22	not	not	PART
fsr-3909	238	23	as	as	ADP
fsr-3909	238	24	salient	salient	NOUN
fsr-3909	238	25	to	to	ADP
fsr-3909	238	26	customers	customer	NOUN
fsr-3909	238	27	.	.	PUNCT
fsr-3909	239	1	bonds	bond	NOUN
fsr-3909	239	2	were	be	AUX
fsr-3909	239	3	not	not	PART
fsr-3909	239	4	widely	widely	ADV
fsr-3909	239	5	held	hold	VERB
fsr-3909	239	6	by	by	ADP
fsr-3909	239	7	individuals	individual	NOUN
fsr-3909	239	8	,	,	PUNCT
fsr-3909	239	9	with	with	ADP
fsr-3909	239	10	three	three	NUM
fsr-3909	239	11	fourths	fourth	NOUN
fsr-3909	239	12	of	of	ADP
fsr-3909	239	13	the	the	DET
fsr-3909	239	14	sample	sample	NOUN
fsr-3909	239	15	holding	hold	VERB
fsr-3909	239	16	no	no	DET
fsr-3909	239	17	bonds	bond	NOUN
fsr-3909	239	18	at	at	ADV
fsr-3909	239	19	all	all	ADV
fsr-3909	239	20	.	.	PUNCT
fsr-3909	240	1	the	the	DET
fsr-3909	240	2	dispersion	dispersion	NOUN
fsr-3909	240	3	of	of	ADP
fsr-3909	240	4	equity	equity	NOUN
fsr-3909	240	5	investments	investment	NOUN
fsr-3909	240	6	was	be	AUX
fsr-3909	240	7	somewhat	somewhat	ADV
fsr-3909	240	8	bimodal	bimodal	NOUN
fsr-3909	240	9	in	in	ADP
fsr-3909	240	10	nature	nature	NOUN
fsr-3909	240	11	.	.	PUNCT
fsr-3909	241	1	no	no	DET
fsr-3909	241	2	equity	equity	NOUN
fsr-3909	241	3	was	be	AUX
fsr-3909	241	4	held	hold	VERB
fsr-3909	241	5	in	in	ADP
fsr-3909	241	6	34	34	NUM
fsr-3909	241	7	%	%	NOUN
fsr-3909	241	8	of	of	ADP
fsr-3909	241	9	accounts	account	NOUN
fsr-3909	241	10	,	,	PUNCT
fsr-3909	241	11	while	while	SCONJ
fsr-3909	241	12	36	36	NUM
fsr-3909	241	13	%	%	NOUN
fsr-3909	241	14	of	of	ADP
fsr-3909	241	15	accounts	account	NOUN
fsr-3909	241	16	were	be	AUX
fsr-3909	241	17	all	all	DET
fsr-3909	241	18	equity	equity	NOUN
fsr-3909	241	19	.	.	PUNCT
fsr-3909	242	1	the	the	DET
fsr-3909	242	2	level	level	NOUN
fsr-3909	242	3	of	of	ADP
fsr-3909	242	4	bond	bond	NOUN
fsr-3909	242	5	ownership	ownership	NOUN
fsr-3909	242	6	and	and	CCONJ
fsr-3909	242	7	diversification	diversification	NOUN
fsr-3909	242	8	patterns	pattern	NOUN
fsr-3909	242	9	in	in	ADP
fsr-3909	242	10	our	our	PRON
fsr-3909	242	11	sample	sample	NOUN
fsr-3909	242	12	differ	differ	VERB
fsr-3909	242	13	considerably	considerably	ADV
fsr-3909	242	14	from	from	ADP
fsr-3909	242	15	those	those	PRON
fsr-3909	242	16	observed	observe	VERB
fsr-3909	242	17	by	by	ADP
fsr-3909	242	18	bodie	bodie	PROPN
fsr-3909	242	19	and	and	CCONJ
fsr-3909	242	20	crane	crane	NOUN
fsr-3909	242	21	(	(	PUNCT
fsr-3909	242	22	1997	1997	NUM
fsr-3909	242	23	)	)	PUNCT
fsr-3909	242	24	in	in	ADP
fsr-3909	242	25	their	their	PRON
fsr-3909	242	26	analysis	analysis	NOUN
fsr-3909	242	27	of	of	ADP
fsr-3909	242	28	asset	asset	NOUN
fsr-3909	242	29	allocation	allocation	NOUN
fsr-3909	242	30	decisions	decision	NOUN
fsr-3909	242	31	by	by	ADP
fsr-3909	242	32	tiaa	tiaa	ADJ
fsr-3909	242	33	-	-	PUNCT
fsr-3909	242	34	cref	cref	NOUN
fsr-3909	242	35	participants	participant	NOUN
fsr-3909	242	36	.	.	PUNCT
fsr-3909	243	1	however	however	ADV
fsr-3909	243	2	,	,	PUNCT
fsr-3909	243	3	it	it	PRON
fsr-3909	243	4	is	be	AUX
fsr-3909	243	5	important	important	ADJ
fsr-3909	243	6	to	to	PART
fsr-3909	243	7	note	note	VERB
fsr-3909	243	8	that	that	SCONJ
fsr-3909	243	9	bodie	bodie	PROPN
fsr-3909	243	10	and	and	CCONJ
fsr-3909	243	11	crane	crane	NOUN
fsr-3909	243	12	report	report	NOUN
fsr-3909	243	13	only	only	ADV
fsr-3909	243	14	average	average	ADJ
fsr-3909	243	15	allocations	allocation	NOUN
fsr-3909	243	16	in	in	ADP
fsr-3909	243	17	retirement	retirement	NOUN
fsr-3909	243	18	accounts	account	NOUN
fsr-3909	243	19	and	and	CCONJ
fsr-3909	243	20	,	,	PUNCT
fsr-3909	243	21	thus	thus	ADV
fsr-3909	243	22	,	,	PUNCT
fsr-3909	243	23	it	it	PRON
fsr-3909	243	24	is	be	AUX
fsr-3909	243	25	not	not	PART
fsr-3909	243	26	possible	possible	ADJ
fsr-3909	243	27	to	to	PART
fsr-3909	243	28	determine	determine	VERB
fsr-3909	243	29	whether	whether	SCONJ
fsr-3909	243	30	or	or	CCONJ
fsr-3909	243	31	not	not	PART
fsr-3909	243	32	their	their	PRON
fsr-3909	243	33	sample	sample	NOUN
fsr-3909	243	34	exhibits	exhibit	VERB
fsr-3909	243	35	bimodal	bimodal	NOUN
fsr-3909	243	36	tendencies	tendency	NOUN
fsr-3909	243	37	.	.	PUNCT
fsr-3909	244	1	bodie	bodie	PROPN
fsr-3909	244	2	and	and	CCONJ
fsr-3909	244	3	crane	crane	NOUN
fsr-3909	244	4	found	find	VERB
fsr-3909	244	5	average	average	ADJ
fsr-3909	244	6	bond	bond	NOUN
fsr-3909	244	7	percentage	percentage	NOUN
fsr-3909	244	8	allocations	allocation	NOUN
fsr-3909	244	9	of	of	ADP
fsr-3909	244	10	over	over	ADP
fsr-3909	244	11	40	40	NUM
fsr-3909	244	12	%	%	NOUN
fsr-3909	244	13	taken	take	VERB
fsr-3909	244	14	across	across	ADP
fsr-3909	244	15	all	all	DET
fsr-3909	244	16	net	net	ADJ
fsr-3909	244	17	worth	worth	ADJ
fsr-3909	244	18	levels	level	NOUN
fsr-3909	244	19	.	.	PUNCT
fsr-3909	245	1	this	this	PRON
fsr-3909	245	2	is	be	AUX
fsr-3909	245	3	in	in	ADP
fsr-3909	245	4	sharp	sharp	ADJ
fsr-3909	245	5	contrast	contrast	NOUN
fsr-3909	245	6	with	with	ADP
fsr-3909	245	7	the	the	DET
fsr-3909	245	8	present	present	ADJ
fsr-3909	245	9	findings	finding	NOUN
fsr-3909	245	10	based	base	VERB
fsr-3909	245	11	on	on	ADP
fsr-3909	245	12	an	an	DET
fsr-3909	245	13	unrestricted	unrestricted	ADJ
fsr-3909	245	14	asset	asset	NOUN
fsr-3909	245	15	allocation	allocation	NOUN
fsr-3909	245	16	situation	situation	NOUN
fsr-3909	245	17	(	(	PUNCT
fsr-3909	245	18	ira	ira	PROPN
fsr-3909	245	19	and	and	CCONJ
fsr-3909	245	20	sep	sep	PROPN
fsr-3909	245	21	-	-	PUNCT
fsr-3909	245	22	ira	ira	PROPN
fsr-3909	245	23	accounts	account	NOUN
fsr-3909	245	24	)	)	PUNCT
fsr-3909	245	25	.	.	PUNCT
fsr-3909	246	1	as	as	SCONJ
fsr-3909	246	2	noted	note	VERB
fsr-3909	246	3	by	by	ADP
fsr-3909	246	4	bodie	bodie	PROPN
fsr-3909	246	5	and	and	CCONJ
fsr-3909	246	6	crane	crane	NOUN
fsr-3909	246	7	(	(	PUNCT
fsr-3909	246	8	1997	1997	NUM
fsr-3909	246	9	)	)	PUNCT
fsr-3909	246	10	,	,	PUNCT
fsr-3909	246	11	their	their	PRON
fsr-3909	246	12	results	result	NOUN
fsr-3909	246	13	may	may	AUX
fsr-3909	246	14	be	be	AUX
fsr-3909	246	15	unique	unique	ADJ
fsr-3909	246	16	to	to	ADP
fsr-3909	246	17	tiaa	tiaa	ADJ
fsr-3909	246	18	-	-	PUNCT
fsr-3909	246	19	cref	cref	NOUN
fsr-3909	246	20	accounts	account	NOUN
fsr-3909	246	21	.	.	PUNCT
fsr-3909	247	1	much	much	ADJ
fsr-3909	247	2	of	of	ADP
fsr-3909	247	3	this	this	DET
fsr-3909	247	4	discrepancy	discrepancy	NOUN
fsr-3909	247	5	relates	relate	VERB
fsr-3909	247	6	to	to	ADP
fsr-3909	247	7	the	the	DET
fsr-3909	247	8	fact	fact	NOUN
fsr-3909	247	9	that	that	SCONJ
fsr-3909	247	10	tiaa	tiaa	NOUN
fsr-3909	247	11	,	,	PUNCT
fsr-3909	247	12	the	the	DET
fsr-3909	247	13	fixed	fix	VERB
fsr-3909	247	14	income	income	NOUN
fsr-3909	247	15	annuity	annuity	NOUN
fsr-3909	247	16	that	that	PRON
fsr-3909	247	17	is	be	AUX
fsr-3909	247	18	the	the	DET
fsr-3909	247	19	oldest	old	ADJ
fsr-3909	247	20	tiaa	tiaa	ADJ
fsr-3909	247	21	-	-	PUNCT
fsr-3909	247	22	cref	cref	NOUN
fsr-3909	247	23	option	option	NOUN
fsr-3909	247	24	,	,	PUNCT
fsr-3909	247	25	controls	control	VERB
fsr-3909	247	26	a	a	DET
fsr-3909	247	27	significant	significant	ADJ
fsr-3909	247	28	percentage	percentage	NOUN
fsr-3909	247	29	of	of	ADP
fsr-3909	247	30	participant	participant	ADJ
fsr-3909	247	31	money	money	NOUN
fsr-3909	247	32	and	and	CCONJ
fsr-3909	247	33	is	be	AUX
fsr-3909	247	34	included	include	VERB
fsr-3909	247	35	in	in	ADP
fsr-3909	247	36	bodie	bodie	PROPN
fsr-3909	247	37	and	and	CCONJ
fsr-3909	247	38	crane	crane	NOUN
fsr-3909	247	39	’s	’s	PART
fsr-3909	247	40	bond	bond	NOUN
fsr-3909	247	41	category	category	NOUN
fsr-3909	247	42	.	.	PUNCT
fsr-3909	248	1	once	once	ADV
fsr-3909	248	2	an	an	DET
fsr-3909	248	3	investment	investment	NOUN
fsr-3909	248	4	is	be	AUX
fsr-3909	248	5	made	make	VERB
fsr-3909	248	6	in	in	ADP
fsr-3909	248	7	the	the	DET
fsr-3909	248	8	annuities	annuity	NOUN
fsr-3909	248	9	,	,	PUNCT
fsr-3909	248	10	investors	investor	NOUN
fsr-3909	248	11	who	who	PRON
fsr-3909	248	12	want	want	VERB
fsr-3909	248	13	to	to	PART
fsr-3909	248	14	change	change	VERB
fsr-3909	248	15	their	their	PRON
fsr-3909	248	16	selection	selection	NOUN
fsr-3909	248	17	can	can	AUX
fsr-3909	248	18	only	only	ADV
fsr-3909	248	19	do	do	VERB
fsr-3909	248	20	so	so	ADV
fsr-3909	248	21	over	over	ADP
fsr-3909	248	22	a	a	DET
fsr-3909	248	23	ten	ten	NUM
fsr-3909	248	24	-	-	PUNCT
fsr-3909	248	25	year	year	NOUN
fsr-3909	248	26	period	period	NOUN
fsr-3909	248	27	.	.	PUNCT
fsr-3909	249	1	furthermore	furthermore	ADV
fsr-3909	249	2	,	,	PUNCT
fsr-3909	249	3	some	some	DET
fsr-3909	249	4	institutions	institution	NOUN
fsr-3909	249	5	even	even	ADV
fsr-3909	249	6	require	require	VERB
fsr-3909	249	7	that	that	SCONJ
fsr-3909	249	8	participants	participant	NOUN
fsr-3909	249	9	annuitize	annuitize	VERB
fsr-3909	249	10	at	at	ADP
fsr-3909	249	11	retirement	retirement	NOUN
fsr-3909	249	12	.	.	PUNCT
fsr-3909	250	1	for	for	ADP
fsr-3909	250	2	the	the	DET
fsr-3909	250	3	general	general	ADJ
fsr-3909	250	4	population	population	NOUN
fsr-3909	250	5	with	with	ADP
fsr-3909	250	6	an	an	DET
fsr-3909	250	7	ira	ira	PROPN
fsr-3909	250	8	at	at	ADP
fsr-3909	250	9	a	a	DET
fsr-3909	250	10	mutual	mutual	ADJ
fsr-3909	250	11	fund	fund	NOUN
fsr-3909	250	12	family	family	NOUN
fsr-3909	250	13	,	,	PUNCT
fsr-3909	250	14	such	such	ADJ
fsr-3909	250	15	as	as	ADP
fsr-3909	250	16	fidelity	fidelity	NOUN
fsr-3909	250	17	or	or	CCONJ
fsr-3909	250	18	vanguard	vanguard	NOUN
fsr-3909	250	19	,	,	PUNCT
fsr-3909	250	20	investors	investor	NOUN
fsr-3909	250	21	choose	choose	VERB
fsr-3909	250	22	between	between	ADP
fsr-3909	250	23	an	an	DET
fsr-3909	250	24	array	array	NOUN
fsr-3909	250	25	of	of	ADP
fsr-3909	250	26	mutual	mutual	ADJ
fsr-3909	250	27	fund	fund	NOUN
fsr-3909	250	28	options	option	NOUN
fsr-3909	250	29	and	and	CCONJ
fsr-3909	250	30	can	can	AUX
fsr-3909	250	31	generally	generally	ADV
fsr-3909	250	32	move	move	VERB
fsr-3909	250	33	their	their	PRON
fsr-3909	250	34	money	money	NOUN
fsr-3909	250	35	at	at	ADP
fsr-3909	250	36	will	will	NOUN
fsr-3909	250	37	.	.	PUNCT
fsr-3909	251	1	the	the	DET
fsr-3909	251	2	findings	finding	NOUN
fsr-3909	251	3	of	of	ADP
fsr-3909	251	4	the	the	DET
fsr-3909	251	5	sri	sri	PROPN
fsr-3909	251	6	survey	survey	NOUN
fsr-3909	251	7	suggest	suggest	VERB
fsr-3909	251	8	that	that	SCONJ
fsr-3909	251	9	the	the	DET
fsr-3909	251	10	holdings	holding	NOUN
fsr-3909	251	11	of	of	ADP
fsr-3909	251	12	tiaa	tiaa	ADJ
fsr-3909	251	13	-	-	PUNCT
fsr-3909	251	14	cref	cref	NOUN
fsr-3909	251	15	participants	participant	NOUN
fsr-3909	251	16	may	may	AUX
fsr-3909	251	17	not	not	PART
fsr-3909	251	18	be	be	AUX
fsr-3909	251	19	indicative	indicative	ADJ
fsr-3909	251	20	of	of	ADP
fsr-3909	251	21	the	the	DET
fsr-3909	251	22	population	population	NOUN
fsr-3909	251	23	as	as	ADP
fsr-3909	251	24	a	a	DET
fsr-3909	251	25	whole	whole	NOUN
fsr-3909	251	26	.	.	PUNCT
fsr-3909	252	1	some	some	DET
fsr-3909	252	2	key	key	ADJ
fsr-3909	252	3	demographic	demographic	ADJ
fsr-3909	252	4	factors	factor	NOUN
fsr-3909	252	5	impact	impact	VERB
fsr-3909	252	6	asset	asset	NOUN
fsr-3909	252	7	allocation	allocation	NOUN
fsr-3909	252	8	decisions	decision	NOUN
fsr-3909	252	9	.	.	PUNCT
fsr-3909	253	1	we	we	PRON
fsr-3909	253	2	find	find	VERB
fsr-3909	253	3	that	that	SCONJ
fsr-3909	253	4	older	old	ADJ
fsr-3909	253	5	individuals	individual	NOUN
fsr-3909	253	6	hold	hold	VERB
fsr-3909	253	7	a	a	DET
fsr-3909	253	8	smaller	small	ADJ
fsr-3909	253	9	proportion	proportion	NOUN
fsr-3909	253	10	of	of	ADP
fsr-3909	253	11	assets	asset	NOUN
fsr-3909	253	12	in	in	ADP
fsr-3909	253	13	equity	equity	NOUN
fsr-3909	253	14	.	.	PUNCT
fsr-3909	254	1	a	a	DET
fsr-3909	254	2	college	college	NOUN
fsr-3909	254	3	education	education	NOUN
fsr-3909	254	4	is	be	AUX
fsr-3909	254	5	consistent	consistent	ADJ
fsr-3909	254	6	with	with	ADP
fsr-3909	254	7	higher	high	ADJ
fsr-3909	254	8	investments	investment	NOUN
fsr-3909	254	9	in	in	ADP
fsr-3909	254	10	equity	equity	NOUN
fsr-3909	254	11	.	.	PUNCT
fsr-3909	255	1	of	of	ADP
fsr-3909	255	2	those	those	PRON
fsr-3909	255	3	in	in	ADP
fsr-3909	255	4	our	our	PRON
fsr-3909	255	5	sample	sample	NOUN
fsr-3909	255	6	without	without	ADP
fsr-3909	255	7	college	college	NOUN
fsr-3909	255	8	degrees	degree	NOUN
fsr-3909	255	9	,	,	PUNCT
fsr-3909	255	10	half	half	NOUN
fsr-3909	255	11	had	have	VERB
fsr-3909	255	12	their	their	PRON
fsr-3909	255	13	entire	entire	ADJ
fsr-3909	255	14	retirement	retirement	NOUN
fsr-3909	255	15	accounts	account	NOUN
fsr-3909	255	16	invested	invest	VERB
fsr-3909	255	17	completely	completely	ADV
fsr-3909	255	18	in	in	ADP
fsr-3909	255	19	cash	cash	NOUN
fsr-3909	255	20	.	.	PUNCT
fsr-3909	256	1	higher	high	ADJ
fsr-3909	256	2	levels	level	NOUN
fsr-3909	256	3	of	of	ADP
fsr-3909	256	4	net	net	ADJ
fsr-3909	256	5	worth	worth	NOUN
fsr-3909	256	6	are	be	AUX
fsr-3909	256	7	also	also	ADV
fsr-3909	256	8	related	relate	VERB
fsr-3909	256	9	to	to	ADP
fsr-3909	256	10	higher	high	ADJ
fsr-3909	256	11	equity	equity	NOUN
fsr-3909	256	12	allocations	allocation	NOUN
fsr-3909	256	13	.	.	PUNCT
fsr-3909	257	1	marriage	marriage	NOUN
fsr-3909	257	2	and	and	CCONJ
fsr-3909	257	3	home	home	NOUN
fsr-3909	257	4	ownership	ownership	NOUN
fsr-3909	257	5	do	do	AUX
fsr-3909	257	6	not	not	PART
fsr-3909	257	7	affect	affect	VERB
fsr-3909	257	8	asset	asset	NOUN
fsr-3909	257	9	allocation	allocation	NOUN
fsr-3909	257	10	decisions	decision	NOUN
fsr-3909	257	11	.	.	PUNCT
fsr-3909	258	1	all	all	PRON
fsr-3909	258	2	of	of	ADP
fsr-3909	258	3	these	these	DET
fsr-3909	258	4	demographic	demographic	ADJ
fsr-3909	258	5	findings	finding	NOUN
fsr-3909	258	6	except	except	SCONJ
fsr-3909	258	7	for	for	ADP
fsr-3909	258	8	the	the	DET
fsr-3909	258	9	lack	lack	NOUN
fsr-3909	258	10	of	of	ADP
fsr-3909	258	11	significance	significance	NOUN
fsr-3909	258	12	of	of	ADP
fsr-3909	258	13	home	home	NOUN
fsr-3909	258	14	ownership	ownership	NOUN
fsr-3909	258	15	are	be	AUX
fsr-3909	258	16	comparable	comparable	ADJ
fsr-3909	258	17	to	to	ADP
fsr-3909	258	18	bodie	bodie	PROPN
fsr-3909	258	19	and	and	CCONJ
fsr-3909	258	20	crane	crane	NOUN
fsr-3909	258	21	’s	’s	PART
fsr-3909	258	22	(	(	PUNCT
fsr-3909	258	23	1997	1997	NUM
fsr-3909	258	24	)	)	PUNCT
fsr-3909	258	25	findings	finding	NOUN
fsr-3909	258	26	.	.	PUNCT
fsr-3909	259	1	90	90	NUM
fsr-3909	259	2	d.	d.	NOUN
fsr-3909	259	3	waggle	waggle	PROPN
fsr-3909	259	4	,	,	PUNCT
fsr-3909	259	5	b.	b.	PROPN
fsr-3909	259	6	englis	englis	PROPN
fsr-3909	259	7	/	/	SYM
fsr-3909	259	8	financial	financial	ADJ
fsr-3909	259	9	services	service	NOUN
fsr-3909	259	10	review	review	VERB
fsr-3909	259	11	9	9	NUM
fsr-3909	259	12	(	(	PUNCT
fsr-3909	259	13	2000	2000	NUM
fsr-3909	259	14	)	)	PUNCT
fsr-3909	259	15	79–92	79–92	NOUN
fsr-3909	259	16	the	the	DET
fsr-3909	259	17	wisdom	wisdom	NOUN
fsr-3909	259	18	of	of	ADP
fsr-3909	259	19	diversifying	diversify	VERB
fsr-3909	259	20	across	across	ADP
fsr-3909	259	21	asset	asset	NOUN
fsr-3909	259	22	categories	category	NOUN
fsr-3909	259	23	is	be	AUX
fsr-3909	259	24	widely	widely	ADV
fsr-3909	259	25	touted	tout	VERB
fsr-3909	259	26	by	by	ADP
fsr-3909	259	27	investment	investment	NOUN
fsr-3909	259	28	professionals	professional	NOUN
fsr-3909	259	29	.	.	PUNCT
fsr-3909	260	1	based	base	VERB
fsr-3909	260	2	on	on	ADP
fsr-3909	260	3	behavior	behavior	NOUN
fsr-3909	260	4	in	in	ADP
fsr-3909	260	5	retirement	retirement	NOUN
fsr-3909	260	6	accounts	account	NOUN
fsr-3909	260	7	,	,	PUNCT
fsr-3909	260	8	individuals	individual	NOUN
fsr-3909	260	9	have	have	AUX
fsr-3909	260	10	taken	take	VERB
fsr-3909	260	11	little	little	ADJ
fsr-3909	260	12	notice	notice	NOUN
fsr-3909	260	13	.	.	PUNCT
fsr-3909	261	1	the	the	DET
fsr-3909	261	2	present	present	ADJ
fsr-3909	261	3	findings	finding	NOUN
fsr-3909	261	4	suggest	suggest	VERB
fsr-3909	261	5	that	that	SCONJ
fsr-3909	261	6	more	more	ADV
fsr-3909	261	7	effective	effective	ADJ
fsr-3909	261	8	educational	educational	ADJ
fsr-3909	261	9	efforts	effort	NOUN
fsr-3909	261	10	in	in	ADP
fsr-3909	261	11	the	the	DET
fsr-3909	261	12	area	area	NOUN
fsr-3909	261	13	of	of	ADP
fsr-3909	261	14	asset	asset	NOUN
fsr-3909	261	15	allocation	allocation	NOUN
fsr-3909	261	16	and	and	CCONJ
fsr-3909	261	17	diversification	diversification	NOUN
fsr-3909	261	18	in	in	ADP
fsr-3909	261	19	general	general	ADJ
fsr-3909	261	20	and	and	CCONJ
fsr-3909	261	21	specifically	specifically	ADV
fsr-3909	261	22	in	in	ADP
fsr-3909	261	23	connection	connection	NOUN
fsr-3909	261	24	with	with	ADP
fsr-3909	261	25	retirement	retirement	NOUN
fsr-3909	261	26	planning	planning	NOUN
fsr-3909	261	27	need	need	VERB
fsr-3909	261	28	to	to	PART
fsr-3909	261	29	be	be	AUX
fsr-3909	261	30	directed	direct	VERB
fsr-3909	261	31	at	at	ADP
fsr-3909	261	32	individual	individual	ADJ
fsr-3909	261	33	investors	investor	NOUN
fsr-3909	261	34	.	.	PUNCT
fsr-3909	262	1	while	while	SCONJ
fsr-3909	262	2	not	not	PART
fsr-3909	262	3	directly	directly	ADV
fsr-3909	262	4	related	relate	VERB
fsr-3909	262	5	to	to	ADP
fsr-3909	262	6	asset	asset	NOUN
fsr-3909	262	7	allocation	allocation	NOUN
fsr-3909	262	8	,	,	PUNCT
fsr-3909	262	9	murray	murray	PROPN
fsr-3909	262	10	(	(	PUNCT
fsr-3909	262	11	1999	1999	NUM
fsr-3909	262	12	)	)	PUNCT
fsr-3909	262	13	shows	show	VERB
fsr-3909	262	14	that	that	SCONJ
fsr-3909	262	15	employer	employer	NOUN
fsr-3909	262	16	educational	educational	ADJ
fsr-3909	262	17	programs	program	NOUN
fsr-3909	262	18	increased	increase	VERB
fsr-3909	262	19	enrollment	enrollment	NOUN
fsr-3909	262	20	and	and	CCONJ
fsr-3909	262	21	the	the	DET
fsr-3909	262	22	level	level	NOUN
fsr-3909	262	23	of	of	ADP
fsr-3909	262	24	contributions	contribution	NOUN
fsr-3909	262	25	in	in	ADP
fsr-3909	262	26	401(k	401(k	NOUN
fsr-3909	262	27	)	)	PUNCT
fsr-3909	262	28	plans	plan	NOUN
fsr-3909	262	29	.	.	PUNCT
fsr-3909	263	1	educational	educational	ADJ
fsr-3909	263	2	efforts	effort	NOUN
fsr-3909	263	3	aimed	aim	VERB
fsr-3909	263	4	at	at	ADP
fsr-3909	263	5	allocation	allocation	NOUN
fsr-3909	263	6	decisions	decision	NOUN
fsr-3909	263	7	could	could	AUX
fsr-3909	263	8	have	have	VERB
fsr-3909	263	9	a	a	DET
fsr-3909	263	10	similar	similar	ADJ
fsr-3909	263	11	result	result	NOUN
fsr-3909	263	12	.	.	PUNCT
fsr-3909	264	1	unknowledgeable	unknowledgeable	ADJ
fsr-3909	264	2	investors	investor	NOUN
fsr-3909	264	3	focused	focus	VERB
fsr-3909	264	4	on	on	ADP
fsr-3909	264	5	the	the	DET
fsr-3909	264	6	short	short	ADJ
fsr-3909	264	7	-	-	PUNCT
fsr-3909	264	8	term	term	NOUN
fsr-3909	264	9	volatility	volatility	NOUN
fsr-3909	264	10	of	of	ADP
fsr-3909	264	11	the	the	DET
fsr-3909	264	12	stock	stock	NOUN
fsr-3909	264	13	market	market	NOUN
fsr-3909	264	14	may	may	AUX
fsr-3909	264	15	miss	miss	VERB
fsr-3909	264	16	the	the	DET
fsr-3909	264	17	long	long	ADV
fsr-3909	264	18	-	-	PUNCT
fsr-3909	264	19	run	run	VERB
fsr-3909	264	20	potential	potential	NOUN
fsr-3909	264	21	that	that	SCONJ
fsr-3909	264	22	equity	equity	NOUN
fsr-3909	264	23	can	can	AUX
fsr-3909	264	24	provide	provide	VERB
fsr-3909	264	25	.	.	PUNCT
fsr-3909	265	1	on	on	ADP
fsr-3909	265	2	the	the	DET
fsr-3909	265	3	other	other	ADJ
fsr-3909	265	4	hand	hand	NOUN
fsr-3909	265	5	,	,	PUNCT
fsr-3909	265	6	portfolios	portfolio	NOUN
fsr-3909	265	7	comprised	comprise	VERB
fsr-3909	265	8	completely	completely	ADV
fsr-3909	265	9	of	of	ADP
fsr-3909	265	10	equity	equity	NOUN
fsr-3909	265	11	might	might	AUX
fsr-3909	265	12	expose	expose	VERB
fsr-3909	265	13	investors	investor	NOUN
fsr-3909	265	14	to	to	ADP
fsr-3909	265	15	unnecessary	unnecessary	ADJ
fsr-3909	265	16	risk	risk	NOUN
fsr-3909	265	17	.	.	PUNCT
fsr-3909	266	1	putting	put	VERB
fsr-3909	266	2	retirement	retirement	NOUN
fsr-3909	266	3	funds	fund	NOUN
fsr-3909	266	4	in	in	ADP
fsr-3909	266	5	cash	cash	NOUN
fsr-3909	266	6	may	may	AUX
fsr-3909	266	7	seem	seem	VERB
fsr-3909	266	8	to	to	PART
fsr-3909	266	9	be	be	AUX
fsr-3909	266	10	a	a	DET
fsr-3909	266	11	safe	safe	ADJ
fsr-3909	266	12	alternative	alternative	NOUN
fsr-3909	266	13	to	to	ADP
fsr-3909	266	14	stocks	stock	NOUN
fsr-3909	266	15	,	,	PUNCT
fsr-3909	266	16	but	but	CCONJ
fsr-3909	266	17	this	this	DET
fsr-3909	266	18	strategy	strategy	NOUN
fsr-3909	266	19	ignores	ignore	VERB
fsr-3909	266	20	purchasing	purchase	VERB
fsr-3909	266	21	power	power	NOUN
fsr-3909	266	22	risk	risk	NOUN
fsr-3909	266	23	,	,	PUNCT
fsr-3909	266	24	which	which	PRON
fsr-3909	266	25	can	can	AUX
fsr-3909	266	26	be	be	AUX
fsr-3909	266	27	quite	quite	ADV
fsr-3909	266	28	significant	significant	ADJ
fsr-3909	266	29	in	in	ADP
fsr-3909	266	30	the	the	DET
fsr-3909	266	31	long	long	ADJ
fsr-3909	266	32	run	run	NOUN
fsr-3909	266	33	.	.	PUNCT
fsr-3909	267	1	if	if	SCONJ
fsr-3909	267	2	safety	safety	NOUN
fsr-3909	267	3	is	be	AUX
fsr-3909	267	4	a	a	DET
fsr-3909	267	5	primary	primary	ADJ
fsr-3909	267	6	concern	concern	NOUN
fsr-3909	267	7	,	,	PUNCT
fsr-3909	267	8	bonds	bond	NOUN
fsr-3909	267	9	may	may	AUX
fsr-3909	267	10	be	be	AUX
fsr-3909	267	11	a	a	DET
fsr-3909	267	12	better	well	ADJ
fsr-3909	267	13	alternative	alternative	NOUN
fsr-3909	267	14	than	than	ADP
fsr-3909	267	15	cash	cash	NOUN
fsr-3909	267	16	.	.	PUNCT
fsr-3909	268	1	to	to	PART
fsr-3909	268	2	make	make	VERB
fsr-3909	268	3	informed	informed	ADJ
fsr-3909	268	4	investment	investment	NOUN
fsr-3909	268	5	decisions	decision	NOUN
fsr-3909	268	6	in	in	ADP
fsr-3909	268	7	their	their	PRON
fsr-3909	268	8	retirement	retirement	NOUN
fsr-3909	268	9	accounts	account	NOUN
fsr-3909	268	10	,	,	PUNCT
fsr-3909	268	11	investors	investor	NOUN
fsr-3909	268	12	need	need	VERB
fsr-3909	268	13	to	to	PART
fsr-3909	268	14	fully	fully	ADV
fsr-3909	268	15	understand	understand	VERB
fsr-3909	268	16	the	the	DET
fsr-3909	268	17	different	different	ADJ
fsr-3909	268	18	features	feature	NOUN
fsr-3909	268	19	of	of	ADP
fsr-3909	268	20	the	the	DET
fsr-3909	268	21	asset	asset	NOUN
fsr-3909	268	22	classes	class	NOUN
fsr-3909	268	23	;	;	PUNCT
fsr-3909	268	24	and	and	CCONJ
fsr-3909	268	25	it	it	PRON
fsr-3909	268	26	seems	seem	VERB
fsr-3909	268	27	clear	clear	ADJ
fsr-3909	268	28	that	that	SCONJ
fsr-3909	268	29	they	they	PRON
fsr-3909	268	30	do	do	VERB
fsr-3909	268	31	not	not	PART
fsr-3909	268	32	.	.	PUNCT
fsr-3909	269	1	the	the	DET
fsr-3909	269	2	investment	investment	NOUN
fsr-3909	269	3	behavior	behavior	NOUN
fsr-3909	269	4	of	of	ADP
fsr-3909	269	5	individuals	individual	NOUN
fsr-3909	269	6	also	also	ADV
fsr-3909	269	7	has	have	VERB
fsr-3909	269	8	ramifications	ramification	NOUN
fsr-3909	269	9	for	for	ADP
fsr-3909	269	10	financial	financial	ADJ
fsr-3909	269	11	services	service	NOUN
fsr-3909	269	12	firms	firm	NOUN
fsr-3909	269	13	.	.	PUNCT
fsr-3909	270	1	financial	financial	ADJ
fsr-3909	270	2	services	service	NOUN
fsr-3909	270	3	professionals	professional	NOUN
fsr-3909	270	4	may	may	AUX
fsr-3909	270	5	need	need	VERB
fsr-3909	270	6	to	to	PART
fsr-3909	270	7	examine	examine	VERB
fsr-3909	270	8	more	more	ADV
fsr-3909	270	9	carefully	carefully	ADV
fsr-3909	270	10	why	why	SCONJ
fsr-3909	270	11	consumers	consumer	NOUN
fsr-3909	270	12	appear	appear	VERB
fsr-3909	270	13	averse	averse	ADJ
fsr-3909	270	14	to	to	ADP
fsr-3909	270	15	investing	invest	VERB
fsr-3909	270	16	in	in	ADP
fsr-3909	270	17	bonds	bond	NOUN
fsr-3909	270	18	and	and	CCONJ
fsr-3909	270	19	to	to	PART
fsr-3909	270	20	seek	seek	VERB
fsr-3909	270	21	ways	way	NOUN
fsr-3909	270	22	of	of	ADP
fsr-3909	270	23	overcoming	overcome	VERB
fsr-3909	270	24	this	this	DET
fsr-3909	270	25	aversion	aversion	NOUN
fsr-3909	270	26	.	.	PUNCT
fsr-3909	271	1	although	although	SCONJ
fsr-3909	271	2	beyond	beyond	ADP
fsr-3909	271	3	the	the	DET
fsr-3909	271	4	scope	scope	NOUN
fsr-3909	271	5	of	of	ADP
fsr-3909	271	6	the	the	DET
fsr-3909	271	7	current	current	ADJ
fsr-3909	271	8	paper	paper	NOUN
fsr-3909	271	9	,	,	PUNCT
fsr-3909	271	10	there	there	PRON
fsr-3909	271	11	are	be	VERB
fsr-3909	271	12	several	several	ADJ
fsr-3909	271	13	financial	financial	ADJ
fsr-3909	271	14	services	service	NOUN
fsr-3909	271	15	marketing	marketing	NOUN
fsr-3909	271	16	issues	issue	NOUN
fsr-3909	271	17	that	that	PRON
fsr-3909	271	18	are	be	AUX
fsr-3909	271	19	relevant	relevant	ADJ
fsr-3909	271	20	as	as	ADV
fsr-3909	271	21	well	well	ADV
fsr-3909	271	22	.	.	PUNCT
fsr-3909	272	1	for	for	ADP
fsr-3909	272	2	example	example	NOUN
fsr-3909	272	3	,	,	PUNCT
fsr-3909	272	4	it	it	PRON
fsr-3909	272	5	may	may	AUX
fsr-3909	272	6	turn	turn	VERB
fsr-3909	272	7	out	out	ADP
fsr-3909	272	8	that	that	SCONJ
fsr-3909	272	9	financial	financial	ADJ
fsr-3909	272	10	services	service	NOUN
fsr-3909	272	11	professionals	professional	NOUN
fsr-3909	272	12	need	need	VERB
fsr-3909	272	13	to	to	PART
fsr-3909	272	14	develop	develop	VERB
fsr-3909	272	15	new	new	ADJ
fsr-3909	272	16	investment	investment	NOUN
fsr-3909	272	17	products	product	NOUN
fsr-3909	272	18	that	that	PRON
fsr-3909	272	19	will	will	AUX
fsr-3909	272	20	be	be	AUX
fsr-3909	272	21	easier	easy	ADJ
fsr-3909	272	22	for	for	SCONJ
fsr-3909	272	23	consumers	consumer	NOUN
fsr-3909	272	24	to	to	PART
fsr-3909	272	25	understand	understand	VERB
fsr-3909	272	26	and	and	CCONJ
fsr-3909	272	27	that	that	PRON
fsr-3909	272	28	more	more	ADV
fsr-3909	272	29	clearly	clearly	ADV
fsr-3909	272	30	connect	connect	VERB
fsr-3909	272	31	with	with	ADP
fsr-3909	272	32	consumers	consumer	NOUN
fsr-3909	272	33	’	’	PART
fsr-3909	272	34	investment	investment	NOUN
fsr-3909	272	35	goals	goal	NOUN
fsr-3909	272	36	.	.	PUNCT
fsr-3909	273	1	bodie	bodie	PROPN
fsr-3909	273	2	and	and	CCONJ
fsr-3909	273	3	crane	crane	NOUN
fsr-3909	273	4	(	(	PUNCT
fsr-3909	273	5	1999	1999	NUM
fsr-3909	273	6	)	)	PUNCT
fsr-3909	273	7	,	,	PUNCT
fsr-3909	273	8	for	for	ADP
fsr-3909	273	9	example	example	NOUN
fsr-3909	273	10	,	,	PUNCT
fsr-3909	273	11	propose	propose	VERB
fsr-3909	273	12	and	and	CCONJ
fsr-3909	273	13	discuss	discuss	VERB
fsr-3909	273	14	the	the	DET
fsr-3909	273	15	benefits	benefit	NOUN
fsr-3909	273	16	of	of	ADP
fsr-3909	273	17	a	a	DET
fsr-3909	273	18	new	new	ADJ
fsr-3909	273	19	retirement	retirement	NOUN
fsr-3909	273	20	product	product	NOUN
fsr-3909	273	21	.	.	PUNCT
fsr-3909	274	1	the	the	DET
fsr-3909	274	2	industry	industry	NOUN
fsr-3909	274	3	might	might	AUX
fsr-3909	274	4	need	need	VERB
fsr-3909	274	5	to	to	PART
fsr-3909	274	6	place	place	VERB
fsr-3909	274	7	stronger	strong	ADJ
fsr-3909	274	8	emphasis	emphasis	NOUN
fsr-3909	274	9	on	on	ADP
fsr-3909	274	10	“	"	PUNCT
fsr-3909	274	11	pre	pre	ADJ
fsr-3909	274	12	-	-	ADJ
fsr-3909	274	13	packaged	packaged	ADJ
fsr-3909	274	14	”	"	PUNCT
fsr-3909	274	15	retirement	retirement	NOUN
fsr-3909	274	16	investments	investment	NOUN
fsr-3909	274	17	(	(	PUNCT
fsr-3909	274	18	e.g.	e.g.	ADV
fsr-3909	274	19	,	,	PUNCT
fsr-3909	274	20	balanced	balanced	ADJ
fsr-3909	274	21	mutual	mutual	ADJ
fsr-3909	274	22	funds	fund	NOUN
fsr-3909	274	23	)	)	PUNCT
fsr-3909	274	24	that	that	PRON
fsr-3909	274	25	provide	provide	VERB
fsr-3909	274	26	“	"	PUNCT
fsr-3909	274	27	appropriate	appropriate	ADJ
fsr-3909	274	28	”	"	PUNCT
fsr-3909	274	29	levels	level	NOUN
fsr-3909	274	30	of	of	ADP
fsr-3909	274	31	diversification	diversification	NOUN
fsr-3909	274	32	suited	suit	VERB
fsr-3909	274	33	to	to	ADP
fsr-3909	274	34	the	the	DET
fsr-3909	274	35	investment	investment	NOUN
fsr-3909	274	36	goals	goal	NOUN
fsr-3909	274	37	and	and	CCONJ
fsr-3909	274	38	risk	risk	NOUN
fsr-3909	274	39	tolerance	tolerance	NOUN
fsr-3909	274	40	of	of	ADP
fsr-3909	274	41	different	different	ADJ
fsr-3909	274	42	groups	group	NOUN
fsr-3909	274	43	of	of	ADP
fsr-3909	274	44	consumers	consumer	NOUN
fsr-3909	274	45	.	.	PUNCT
fsr-3909	275	1	acknowledgments	acknowledgment	NOUN
fsr-3909	275	2	we	we	PRON
fsr-3909	275	3	thank	thank	VERB
fsr-3909	275	4	two	two	NUM
fsr-3909	275	5	anonymous	anonymous	ADJ
fsr-3909	275	6	reviewers	reviewer	NOUN
fsr-3909	275	7	and	and	CCONJ
fsr-3909	275	8	frank	frank	PROPN
fsr-3909	275	9	stephenson	stephenson	PROPN
fsr-3909	275	10	for	for	ADP
fsr-3909	275	11	their	their	PRON
fsr-3909	275	12	helpful	helpful	ADJ
fsr-3909	275	13	comments	comment	NOUN
fsr-3909	275	14	.	.	PUNCT
fsr-3909	276	1	references	reference	NOUN
fsr-3909	276	2	bierman	bierman	PROPN
fsr-3909	276	3	,	,	PUNCT
fsr-3909	276	4	h.	h.	PROPN
fsr-3909	276	5	jr	jr	PROPN
fsr-3909	276	6	.	.	PROPN
fsr-3909	276	7	(	(	PUNCT
fsr-3909	276	8	1997	1997	NUM
fsr-3909	276	9	)	)	PUNCT
fsr-3909	276	10	.	.	PUNCT
fsr-3909	277	1	portfolio	portfolio	NOUN
fsr-3909	277	2	allocation	allocation	NOUN
fsr-3909	277	3	and	and	CCONJ
fsr-3909	277	4	the	the	DET
fsr-3909	277	5	investment	investment	NOUN
fsr-3909	277	6	horizon.journal	horizon.journal	PROPN
fsr-3909	277	7	of	of	ADP
fsr-3909	277	8	portfolio	portfolio	NOUN
fsr-3909	277	9	management	management	NOUN
fsr-3909	277	10	,	,	PUNCT
fsr-3909	277	11	23	23	NUM
fsr-3909	277	12	,	,	PUNCT
fsr-3909	277	13	51–55	51–55	NUM
fsr-3909	277	14	.	.	PUNCT
fsr-3909	278	1	bierman	bierman	PROPN
fsr-3909	278	2	,	,	PUNCT
fsr-3909	278	3	h.	h.	PROPN
fsr-3909	278	4	jr	jr	PROPN
fsr-3909	278	5	.	.	PROPN
fsr-3909	278	6	(	(	PUNCT
fsr-3909	278	7	1998	1998	NUM
fsr-3909	278	8	)	)	PUNCT
fsr-3909	278	9	.	.	PUNCT
fsr-3909	279	1	a	a	DET
fsr-3909	279	2	utility	utility	NOUN
fsr-3909	279	3	approach	approach	NOUN
fsr-3909	279	4	to	to	ADP
fsr-3909	279	5	the	the	DET
fsr-3909	279	6	portfolio	portfolio	NOUN
fsr-3909	279	7	allocation	allocation	NOUN
fsr-3909	279	8	decision	decision	NOUN
fsr-3909	279	9	and	and	CCONJ
fsr-3909	279	10	the	the	DET
fsr-3909	279	11	investment	investment	NOUN
fsr-3909	279	12	horizon	horizon	NOUN
fsr-3909	279	13	.	.	PUNCT
fsr-3909	280	1	journal	journal	PROPN
fsr-3909	280	2	of	of	ADP
fsr-3909	280	3	portfolio	portfolio	NOUN
fsr-3909	280	4	management	management	NOUN
fsr-3909	280	5	,	,	PUNCT
fsr-3909	280	6	25,81–87	25,81–87	NOUN
fsr-3909	280	7	.	.	PUNCT
fsr-3909	281	1	bodie	bodie	PROPN
fsr-3909	281	2	,	,	PUNCT
fsr-3909	281	3	z.	z.	PROPN
fsr-3909	281	4	,	,	PUNCT
fsr-3909	281	5	&	&	CCONJ
fsr-3909	281	6	crane	crane	PROPN
fsr-3909	281	7	,	,	PUNCT
fsr-3909	281	8	d.	d.	PROPN
fsr-3909	281	9	b.	b.	PROPN
fsr-3909	281	10	(	(	PUNCT
fsr-3909	281	11	1999	1999	NUM
fsr-3909	281	12	)	)	PUNCT
fsr-3909	281	13	.	.	PUNCT
fsr-3909	282	1	the	the	DET
fsr-3909	282	2	design	design	NOUN
fsr-3909	282	3	and	and	CCONJ
fsr-3909	282	4	production	production	NOUN
fsr-3909	282	5	of	of	ADP
fsr-3909	282	6	new	new	ADJ
fsr-3909	282	7	retirement	retirement	NOUN
fsr-3909	282	8	savings	saving	NOUN
fsr-3909	282	9	products.journal	products.journal	PROPN
fsr-3909	282	10	of	of	ADP
fsr-3909	282	11	portfolio	portfolio	NOUN
fsr-3909	282	12	management	management	NOUN
fsr-3909	282	13	,	,	PUNCT
fsr-3909	282	14	25,77–82	25,77–82	PROPN
fsr-3909	282	15	.	.	PUNCT
fsr-3909	282	16	bodie	bodie	PROPN
fsr-3909	282	17	,	,	PUNCT
fsr-3909	282	18	z.	z.	PROPN
fsr-3909	282	19	,	,	PUNCT
fsr-3909	282	20	&	&	CCONJ
fsr-3909	282	21	crane	crane	PROPN
fsr-3909	282	22	,	,	PUNCT
fsr-3909	282	23	d.	d.	PROPN
fsr-3909	282	24	b.	b.	PROPN
fsr-3909	282	25	(	(	PUNCT
fsr-3909	282	26	1997	1997	NUM
fsr-3909	282	27	)	)	PUNCT
fsr-3909	282	28	.	.	PUNCT
fsr-3909	283	1	personal	personal	ADJ
fsr-3909	283	2	investing	investing	NOUN
fsr-3909	283	3	:	:	PUNCT
fsr-3909	283	4	advice	advice	NOUN
fsr-3909	283	5	,	,	PUNCT
fsr-3909	283	6	theory	theory	NOUN
fsr-3909	283	7	,	,	PUNCT
fsr-3909	283	8	and	and	CCONJ
fsr-3909	283	9	evidence.financial	evidence.financial	ADJ
fsr-3909	283	10	analysts	analyst	NOUN
fsr-3909	283	11	journal	journal	NOUN
fsr-3909	283	12	,	,	PUNCT
fsr-3909	283	13	53	53	NUM
fsr-3909	283	14	,	,	PUNCT
fsr-3909	283	15	13–23	13–23	PROPN
fsr-3909	283	16	.	.	PUNCT
fsr-3909	284	1	bodie	bodie	PROPN
fsr-3909	284	2	,	,	PUNCT
fsr-3909	284	3	z.	z.	PROPN
fsr-3909	284	4	,	,	PUNCT
fsr-3909	284	5	merton	merton	PROPN
fsr-3909	284	6	,	,	PUNCT
fsr-3909	284	7	r.	r.	PROPN
fsr-3909	284	8	c.	c.	PROPN
fsr-3909	284	9	,	,	PUNCT
fsr-3909	284	10	&	&	CCONJ
fsr-3909	284	11	samuelson	samuelson	PROPN
fsr-3909	284	12	,	,	PUNCT
fsr-3909	284	13	w.	w.	PROPN
fsr-3909	284	14	f.	f.	PROPN
fsr-3909	284	15	(	(	PUNCT
fsr-3909	284	16	1992	1992	NUM
fsr-3909	284	17	)	)	PUNCT
fsr-3909	284	18	.	.	PUNCT
fsr-3909	285	1	labor	labor	NOUN
fsr-3909	285	2	supply	supply	NOUN
fsr-3909	285	3	flexibility	flexibility	NOUN
fsr-3909	285	4	and	and	CCONJ
fsr-3909	285	5	portfolio	portfolio	NOUN
fsr-3909	285	6	choice	choice	NOUN
fsr-3909	285	7	in	in	ADP
fsr-3909	285	8	a	a	DET
fsr-3909	285	9	life	life	NOUN
fsr-3909	285	10	cycle	cycle	NOUN
fsr-3909	285	11	model	model	NOUN
fsr-3909	285	12	.	.	PUNCT
fsr-3909	286	1	journal	journal	PROPN
fsr-3909	286	2	of	of	ADP
fsr-3909	286	3	economic	economic	ADJ
fsr-3909	286	4	dynamics	dynamic	NOUN
fsr-3909	286	5	and	and	CCONJ
fsr-3909	286	6	control	control	NOUN
fsr-3909	286	7	,	,	PUNCT
fsr-3909	286	8	16,427–449	16,427–449	PROPN
fsr-3909	286	9	.	.	PUNCT
fsr-3909	286	10	91d	91d	PROPN
fsr-3909	286	11	.	.	PUNCT
fsr-3909	287	1	waggle	waggle	PROPN
fsr-3909	287	2	,	,	PUNCT
fsr-3909	287	3	b.	b.	PROPN
fsr-3909	287	4	englis	englis	PROPN
fsr-3909	287	5	/	/	SYM
fsr-3909	287	6	financial	financial	ADJ
fsr-3909	287	7	services	service	NOUN
fsr-3909	287	8	review	review	VERB
fsr-3909	287	9	9	9	NUM
fsr-3909	287	10	(	(	PUNCT
fsr-3909	287	11	2000	2000	NUM
fsr-3909	287	12	)	)	PUNCT
fsr-3909	288	1	79–92	79–92	NUM
fsr-3909	288	2	bogle	bogle	NOUN
fsr-3909	288	3	,	,	PUNCT
fsr-3909	288	4	j.	j.	PROPN
fsr-3909	288	5	c.	c.	PROPN
fsr-3909	288	6	(	(	PUNCT
fsr-3909	288	7	1994).bogle	1994).bogle	NUM
fsr-3909	288	8	on	on	ADP
fsr-3909	288	9	mutual	mutual	ADJ
fsr-3909	288	10	funds.homewood	funds.homewood	NOUN
fsr-3909	288	11	,	,	PUNCT
fsr-3909	288	12	il	il	PROPN
fsr-3909	288	13	:	:	PUNCT
fsr-3909	288	14	richard	richard	PROPN
fsr-3909	288	15	d.	d.	PROPN
fsr-3909	288	16	irwin	irwin	PROPN
fsr-3909	288	17	.	.	PROPN
fsr-3909	289	1	butler	butler	PROPN
fsr-3909	289	2	,	,	PUNCT
fsr-3909	289	3	k.	k.	PROPN
fsr-3909	289	4	c.	c.	PROPN
fsr-3909	289	5	,	,	PUNCT
fsr-3909	289	6	&	&	CCONJ
fsr-3909	289	7	domian	domian	PROPN
fsr-3909	289	8	,	,	PUNCT
fsr-3909	289	9	d.	d.	PROPN
fsr-3909	289	10	l.	l.	PROPN
fsr-3909	289	11	(	(	PUNCT
fsr-3909	289	12	1991	1991	NUM
fsr-3909	289	13	)	)	PUNCT
fsr-3909	289	14	.	.	PUNCT
fsr-3909	290	1	risk	risk	NOUN
fsr-3909	290	2	,	,	PUNCT
fsr-3909	290	3	diversification	diversification	NOUN
fsr-3909	290	4	and	and	CCONJ
fsr-3909	290	5	the	the	DET
fsr-3909	290	6	investment	investment	NOUN
fsr-3909	290	7	horizon.journal	horizon.journal	PROPN
fsr-3909	290	8	of	of	ADP
fsr-3909	290	9	portfolio	portfolio	NOUN
fsr-3909	290	10	management	management	NOUN
fsr-3909	290	11	,	,	PUNCT
fsr-3909	290	12	17,41–47	17,41–47	NOUN
fsr-3909	290	13	.	.	PUNCT
fsr-3909	291	1	georges	georges	PROPN
fsr-3909	291	2	,	,	PUNCT
fsr-3909	291	3	c.	c.	PROPN
fsr-3909	291	4	(	(	PUNCT
fsr-3909	291	5	1998a	1998a	NUM
fsr-3909	291	6	)	)	PUNCT
fsr-3909	291	7	.	.	PUNCT
fsr-3909	292	1	overhaul	overhaul	NOUN
fsr-3909	292	2	of	of	ADP
fsr-3909	292	3	social	social	ADJ
fsr-3909	292	4	security	security	NOUN
fsr-3909	292	5	is	be	AUX
fsr-3909	292	6	endorsed	endorse	VERB
fsr-3909	292	7	by	by	ADP
fsr-3909	292	8	panel.wall	panel.wall	NUM
fsr-3909	292	9	street	street	NOUN
fsr-3909	292	10	journal	journal	NOUN
fsr-3909	292	11	,	,	PUNCT
fsr-3909	292	12	may	may	AUX
fsr-3909	292	13	,	,	PUNCT
fsr-3909	292	14	18	18	NUM
fsr-3909	292	15	,	,	PUNCT
fsr-3909	292	16	a3	a3	NOUN
fsr-3909	292	17	.	.	PUNCT
fsr-3909	293	1	georges	georges	PROPN
fsr-3909	293	2	,	,	PUNCT
fsr-3909	293	3	c.	c.	PROPN
fsr-3909	293	4	(	(	PUNCT
fsr-3909	293	5	1998b	1998b	NUM
fsr-3909	293	6	)	)	PUNCT
fsr-3909	293	7	.	.	PUNCT
fsr-3909	294	1	social	social	ADJ
fsr-3909	294	2	-	-	PUNCT
fsr-3909	294	3	security	security	NOUN
fsr-3909	294	4	privatization	privatization	NOUN
fsr-3909	294	5	effort	effort	NOUN
fsr-3909	294	6	makes	make	VERB
fsr-3909	294	7	headway.wall	headway.wall	PROPN
fsr-3909	294	8	street	street	PROPN
fsr-3909	294	9	journal	journal	PROPN
fsr-3909	294	10	,	,	PUNCT
fsr-3909	294	11	june	june	PROPN
fsr-3909	294	12	,	,	PUNCT
fsr-3909	294	13	24	24	NUM
fsr-3909	294	14	,	,	PUNCT
fsr-3909	294	15	a24	a24	PROPN
fsr-3909	294	16	.	.	PUNCT
fsr-3909	294	17	hodges	hodges	PROPN
fsr-3909	294	18	,	,	PUNCT
fsr-3909	294	19	c.	c.	PROPN
fsr-3909	294	20	w.	w.	PROPN
fsr-3909	294	21	,	,	PUNCT
fsr-3909	294	22	taylor	taylor	PROPN
fsr-3909	294	23	,	,	PUNCT
fsr-3909	294	24	w.	w.	PROPN
fsr-3909	294	25	r.	r.	PROPN
fsr-3909	294	26	l.	l.	PROPN
fsr-3909	294	27	,	,	PUNCT
fsr-3909	294	28	&	&	CCONJ
fsr-3909	294	29	yoder	yoder	PROPN
fsr-3909	294	30	,	,	PUNCT
fsr-3909	294	31	j.	j.	PROPN
fsr-3909	294	32	a.	a.	PROPN
fsr-3909	294	33	(	(	PUNCT
fsr-3909	294	34	1997	1997	NUM
fsr-3909	294	35	)	)	PUNCT
fsr-3909	294	36	.	.	PUNCT
fsr-3909	295	1	stocks	stock	NOUN
fsr-3909	295	2	,	,	PUNCT
fsr-3909	295	3	bonds	bond	NOUN
fsr-3909	295	4	,	,	PUNCT
fsr-3909	295	5	the	the	DET
fsr-3909	295	6	sharpe	sharpe	PROPN
fsr-3909	295	7	ratio	ratio	NOUN
fsr-3909	295	8	,	,	PUNCT
fsr-3909	295	9	and	and	CCONJ
fsr-3909	295	10	the	the	DET
fsr-3909	295	11	investment	investment	NOUN
fsr-3909	295	12	horizon.financial	horizon.financial	PROPN
fsr-3909	295	13	analysts	analyst	NOUN
fsr-3909	295	14	journal	journal	NOUN
fsr-3909	295	15	,	,	PUNCT
fsr-3909	295	16	53,74–80	53,74–80	PROPN
fsr-3909	295	17	.	.	PUNCT
fsr-3909	295	18	jacobius	jacobius	PROPN
fsr-3909	295	19	,	,	PUNCT
fsr-3909	295	20	a.	a.	NOUN
fsr-3909	295	21	(	(	PUNCT
fsr-3909	295	22	1999	1999	NUM
fsr-3909	295	23	)	)	PUNCT
fsr-3909	295	24	.	.	PUNCT
fsr-3909	296	1	retirement	retirement	NOUN
fsr-3909	296	2	programs	program	NOUN
fsr-3909	296	3	cover	cover	VERB
fsr-3909	296	4	70	70	NUM
fsr-3909	296	5	%	%	NOUN
fsr-3909	296	6	of	of	ADP
fsr-3909	296	7	employees.pensions	employees.pension	NOUN
fsr-3909	296	8	and	and	CCONJ
fsr-3909	296	9	investments	investment	NOUN
fsr-3909	296	10	,	,	PUNCT
fsr-3909	296	11	27,25	27,25	NUM
fsr-3909	296	12	.	.	PUNCT
fsr-3909	297	1	jianakoplos	jianakoplos	PROPN
fsr-3909	297	2	,	,	PUNCT
fsr-3909	297	3	n.	n.	PROPN
fsr-3909	297	4	a.	a.	PROPN
fsr-3909	297	5	,	,	PUNCT
fsr-3909	297	6	&	&	CCONJ
fsr-3909	297	7	bernasek	bernasek	PROPN
fsr-3909	297	8	,	,	PUNCT
fsr-3909	297	9	a.	a.	NOUN
fsr-3909	297	10	(	(	PUNCT
fsr-3909	297	11	1998	1998	NUM
fsr-3909	297	12	)	)	PUNCT
fsr-3909	297	13	.	.	PUNCT
fsr-3909	297	14	are	be	AUX
fsr-3909	297	15	women	woman	NOUN
fsr-3909	297	16	more	more	ADJ
fsr-3909	297	17	risk	risk	NOUN
fsr-3909	297	18	averse?economic	averse?economic	ADJ
fsr-3909	297	19	inquiry	inquiry	NOUN
fsr-3909	297	20	,	,	PUNCT
fsr-3909	297	21	36,620–630	36,620–630	NUM
fsr-3909	297	22	.	.	PUNCT
fsr-3909	298	1	kim	kim	PROPN
fsr-3909	298	2	,	,	PUNCT
fsr-3909	298	3	c.	c.	PROPN
fsr-3909	298	4	,	,	PUNCT
fsr-3909	298	5	&	&	CCONJ
fsr-3909	298	6	wong	wong	PROPN
fsr-3909	298	7	,	,	PUNCT
fsr-3909	298	8	k.	k.	PROPN
fsr-3909	298	9	m.	m.	PROPN
fsr-3909	298	10	(	(	PUNCT
fsr-3909	298	11	1997	1997	NUM
fsr-3909	298	12	)	)	PUNCT
fsr-3909	298	13	.	.	PUNCT
fsr-3909	299	1	asset	asset	NOUN
fsr-3909	299	2	allocation	allocation	NOUN
fsr-3909	299	3	strategies	strategy	NOUN
fsr-3909	299	4	for	for	ADP
fsr-3909	299	5	personal	personal	ADJ
fsr-3909	299	6	pension	pension	NOUN
fsr-3909	299	7	contributions.financial	contributions.financial	ADJ
fsr-3909	299	8	practice	practice	NOUN
fsr-3909	299	9	and	and	CCONJ
fsr-3909	299	10	education	education	NOUN
fsr-3909	299	11	,	,	PUNCT
fsr-3909	299	12	7,35–46	7,35–46	X
fsr-3909	299	13	.	.	PUNCT
fsr-3909	299	14	kritzman	kritzman	PROPN
fsr-3909	299	15	,	,	PUNCT
fsr-3909	299	16	m.	m.	NOUN
fsr-3909	299	17	(	(	PUNCT
fsr-3909	299	18	1994	1994	NUM
fsr-3909	299	19	)	)	PUNCT
fsr-3909	299	20	.	.	PUNCT
fsr-3909	300	1	what	what	PRON
fsr-3909	300	2	practitioners	practitioner	NOUN
fsr-3909	300	3	need	need	VERB
fsr-3909	300	4	to	to	PART
fsr-3909	300	5	know	know	VERB
fsr-3909	300	6	.	.	PUNCT
fsr-3909	300	7	.	.	PUNCT
fsr-3909	300	8	.	.	PUNCT
fsr-3909	301	1	about	about	ADP
fsr-3909	301	2	time	time	NOUN
fsr-3909	301	3	diversification.financial	diversification.financial	PROPN
fsr-3909	301	4	analysts	analyst	NOUN
fsr-3909	301	5	journal	journal	NOUN
fsr-3909	301	6	,	,	PUNCT
fsr-3909	301	7	50	50	NUM
fsr-3909	301	8	,	,	PUNCT
fsr-3909	301	9	14–18	14–18	NUM
fsr-3909	301	10	.	.	PUNCT
fsr-3909	301	11	levy	levy	NOUN
fsr-3909	301	12	,	,	PUNCT
fsr-3909	301	13	h.	h.	PROPN
fsr-3909	301	14	,	,	PUNCT
fsr-3909	301	15	&	&	CCONJ
fsr-3909	301	16	gunthorpe	gunthorpe	PROPN
fsr-3909	301	17	,	,	PUNCT
fsr-3909	301	18	d.	d.	PROPN
fsr-3909	301	19	(	(	PUNCT
fsr-3909	301	20	1993	1993	NUM
fsr-3909	301	21	)	)	PUNCT
fsr-3909	301	22	.	.	PUNCT
fsr-3909	302	1	optimal	optimal	ADJ
fsr-3909	302	2	investment	investment	NOUN
fsr-3909	302	3	proportions	proportion	NOUN
fsr-3909	302	4	in	in	ADP
fsr-3909	302	5	senior	senior	ADJ
fsr-3909	302	6	securities	security	NOUN
fsr-3909	302	7	and	and	CCONJ
fsr-3909	302	8	equities	equity	NOUN
fsr-3909	302	9	under	under	ADP
fsr-3909	302	10	alternative	alternative	NOUN
fsr-3909	302	11	holding	hold	VERB
fsr-3909	302	12	periods.journal	periods.journal	PROPN
fsr-3909	302	13	of	of	ADP
fsr-3909	302	14	portfolio	portfolio	NOUN
fsr-3909	302	15	management	management	NOUN
fsr-3909	302	16	,	,	PUNCT
fsr-3909	302	17	19,30–36	19,30–36	PROPN
fsr-3909	302	18	.	.	PUNCT
fsr-3909	302	19	murray	murray	PROPN
fsr-3909	302	20	,	,	PUNCT
fsr-3909	302	21	m.	m.	PROPN
fsr-3909	302	22	c.	c.	PROPN
fsr-3909	302	23	(	(	PUNCT
fsr-3909	302	24	1999	1999	NUM
fsr-3909	302	25	)	)	PUNCT
fsr-3909	302	26	.	.	PUNCT
fsr-3909	303	1	employee	employee	NOUN
fsr-3909	303	2	education	education	NOUN
fsr-3909	303	3	boosts	boost	VERB
fsr-3909	303	4	participation	participation	NOUN
fsr-3909	303	5	,	,	PUNCT
fsr-3909	303	6	401(k	401(k	NOUN
fsr-3909	303	7	)	)	PUNCT
fsr-3909	303	8	sponsors	sponsor	VERB
fsr-3909	303	9	find.national	find.national	ADJ
fsr-3909	303	10	underwriter	underwriter	NOUN
fsr-3909	303	11	,	,	PUNCT
fsr-3909	303	12	103,25–28	103,25–28	NUM
fsr-3909	304	1	.	.	PUNCT
fsr-3909	304	2	olsen	olsen	PROPN
fsr-3909	304	3	,	,	PUNCT
fsr-3909	304	4	k.	k.	PROPN
fsr-3909	304	5	a.	a.	PROPN
fsr-3909	304	6	,	,	PUNCT
fsr-3909	304	7	&	&	CCONJ
fsr-3909	304	8	baylyff	baylyff	PROPN
fsr-3909	304	9	c.	c.	PROPN
fsr-3909	304	10	(	(	PUNCT
fsr-3909	304	11	1998	1998	NUM
fsr-3909	304	12	)	)	PUNCT
fsr-3909	304	13	.	.	PUNCT
fsr-3909	305	1	keeping	keep	VERB
fsr-3909	305	2	track	track	NOUN
fsr-3909	305	3	of	of	ADP
fsr-3909	305	4	social	social	ADJ
fsr-3909	305	5	security	security	NOUN
fsr-3909	305	6	reform	reform	NOUN
fsr-3909	305	7	proposals	proposal	NOUN
fsr-3909	305	8	:	:	PUNCT
fsr-3909	305	9	an	an	DET
fsr-3909	305	10	update.ebri	update.ebri	PROPN
fsr-3909	305	11	notes	note	NOUN
fsr-3909	305	12	,	,	PUNCT
fsr-3909	305	13	april	april	PROPN
fsr-3909	305	14	,	,	PUNCT
fsr-3909	305	15	6–11	6–11	PROPN
fsr-3909	305	16	.	.	PUNCT
fsr-3909	306	1	olsen	olsen	PROPN
fsr-3909	306	2	,	,	PUNCT
fsr-3909	306	3	r.	r.	PROPN
fsr-3909	306	4	a.	a.	PROPN
fsr-3909	306	5	,	,	PUNCT
fsr-3909	306	6	&	&	CCONJ
fsr-3909	306	7	khaki	khaki	PROPN
fsr-3909	306	8	m.	m.	NOUN
fsr-3909	306	9	(	(	PUNCT
fsr-3909	306	10	1998	1998	NUM
fsr-3909	306	11	)	)	PUNCT
fsr-3909	306	12	.	.	PUNCT
fsr-3909	307	1	risk	risk	NOUN
fsr-3909	307	2	,	,	PUNCT
fsr-3909	307	3	rationality	rationality	NOUN
fsr-3909	307	4	,	,	PUNCT
fsr-3909	307	5	and	and	CCONJ
fsr-3909	307	6	time	time	NOUN
fsr-3909	307	7	diversification.financial	diversification.financial	PROPN
fsr-3909	307	8	analysts	analyst	NOUN
fsr-3909	307	9	journal	journal	NOUN
fsr-3909	307	10	,	,	PUNCT
fsr-3909	307	11	54	54	NUM
fsr-3909	307	12	,	,	PUNCT
fsr-3909	307	13	58–63	58–63	NUM
fsr-3909	307	14	.	.	PUNCT
fsr-3909	307	15	peterson	peterson	PROPN
fsr-3909	307	16	,	,	PUNCT
fsr-3909	307	17	p.	p.	NOUN
fsr-3909	307	18	g.	g.	PROPN
fsr-3909	307	19	(	(	PUNCT
fsr-3909	307	20	1999	1999	NUM
fsr-3909	307	21	)	)	PUNCT
fsr-3909	307	22	.	.	PUNCT
fsr-3909	308	1	gray	gray	ADJ
fsr-3909	308	2	dawn	dawn	NOUN
fsr-3909	308	3	:	:	PUNCT
fsr-3909	308	4	the	the	DET
fsr-3909	308	5	global	global	ADJ
fsr-3909	308	6	aging	age	VERB
fsr-3909	308	7	crisis.foreign	crisis.foreign	PROPN
fsr-3909	308	8	affairs	affair	NOUN
fsr-3909	308	9	,	,	PUNCT
fsr-3909	308	10	78,42–55	78,42–55	PROPN
fsr-3909	308	11	.	.	PUNCT
fsr-3909	309	1	samuelson	samuelson	PROPN
fsr-3909	309	2	,	,	PUNCT
fsr-3909	309	3	p.	p.	NOUN
fsr-3909	309	4	a.	a.	NOUN
fsr-3909	309	5	(	(	PUNCT
fsr-3909	309	6	1969	1969	NUM
fsr-3909	309	7	)	)	PUNCT
fsr-3909	309	8	.	.	PUNCT
fsr-3909	310	1	lifetime	lifetime	NOUN
fsr-3909	310	2	portfolio	portfolio	NOUN
fsr-3909	310	3	selection	selection	NOUN
fsr-3909	310	4	by	by	ADP
fsr-3909	310	5	dynamic	dynamic	ADJ
fsr-3909	310	6	stochastic	stochastic	ADJ
fsr-3909	310	7	programming.review	programming.review	NOUN
fsr-3909	310	8	of	of	ADP
fsr-3909	310	9	economics	economic	NOUN
fsr-3909	310	10	and	and	CCONJ
fsr-3909	310	11	statistics	statistic	NOUN
fsr-3909	310	12	,	,	PUNCT
fsr-3909	310	13	51,239–46	51,239–46	NUM
fsr-3909	310	14	.	.	PUNCT
fsr-3909	310	15	samuelson	samuelson	PROPN
fsr-3909	310	16	,	,	PUNCT
fsr-3909	310	17	p.	p.	NOUN
fsr-3909	310	18	a.	a.	NOUN
fsr-3909	311	1	(	(	PUNCT
fsr-3909	311	2	1989	1989	NUM
fsr-3909	311	3	)	)	PUNCT
fsr-3909	311	4	.	.	PUNCT
fsr-3909	312	1	the	the	DET
fsr-3909	312	2	judgement	judgement	NOUN
fsr-3909	312	3	of	of	ADP
fsr-3909	312	4	economic	economic	ADJ
fsr-3909	312	5	science	science	NOUN
fsr-3909	312	6	on	on	ADP
fsr-3909	312	7	rational	rational	ADJ
fsr-3909	312	8	portfolio	portfolio	NOUN
fsr-3909	312	9	management	management	NOUN
fsr-3909	312	10	:	:	PUNCT
fsr-3909	312	11	indexing	indexing	NOUN
fsr-3909	312	12	,	,	PUNCT
fsr-3909	312	13	timing	timing	NOUN
fsr-3909	312	14	,	,	PUNCT
fsr-3909	312	15	and	and	CCONJ
fsr-3909	312	16	long	long	ADJ
fsr-3909	312	17	-	-	PUNCT
fsr-3909	312	18	horizon	horizon	NOUN
fsr-3909	312	19	effects.journal	effects.journal	PROPN
fsr-3909	312	20	of	of	ADP
fsr-3909	312	21	portfolio	portfolio	NOUN
fsr-3909	312	22	management	management	NOUN
fsr-3909	312	23	,	,	PUNCT
fsr-3909	312	24	16,4–12	16,4–12	NUM
fsr-3909	312	25	.	.	PUNCT
fsr-3909	312	26	samuelson	samuelson	PROPN
fsr-3909	312	27	,	,	PUNCT
fsr-3909	312	28	p.	p.	NOUN
fsr-3909	312	29	a.	a.	NOUN
fsr-3909	312	30	(	(	PUNCT
fsr-3909	312	31	1990	1990	NUM
fsr-3909	312	32	)	)	PUNCT
fsr-3909	312	33	.	.	PUNCT
fsr-3909	313	1	asset	asset	NOUN
fsr-3909	313	2	allocation	allocation	NOUN
fsr-3909	313	3	could	could	AUX
fsr-3909	313	4	be	be	AUX
fsr-3909	313	5	dangerous	dangerous	ADJ
fsr-3909	313	6	to	to	ADP
fsr-3909	313	7	your	your	PRON
fsr-3909	313	8	health.journal	health.journal	PROPN
fsr-3909	313	9	of	of	ADP
fsr-3909	313	10	portfolio	portfolio	NOUN
fsr-3909	313	11	management	management	NOUN
fsr-3909	313	12	,	,	PUNCT
fsr-3909	313	13	16	16	NUM
fsr-3909	313	14	,	,	PUNCT
fsr-3909	313	15	5–8	5–8	PROPN
fsr-3909	313	16	.	.	PUNCT
fsr-3909	313	17	samuelson	samuelson	PROPN
fsr-3909	313	18	,	,	PUNCT
fsr-3909	313	19	p.	p.	NOUN
fsr-3909	313	20	a.	a.	NOUN
fsr-3909	314	1	(	(	PUNCT
fsr-3909	314	2	1994	1994	NUM
fsr-3909	314	3	)	)	PUNCT
fsr-3909	314	4	.	.	PUNCT
fsr-3909	315	1	the	the	DET
fsr-3909	315	2	long	long	ADJ
fsr-3909	315	3	-	-	PUNCT
fsr-3909	315	4	term	term	NOUN
fsr-3909	315	5	case	case	NOUN
fsr-3909	315	6	for	for	ADP
fsr-3909	315	7	equities.journal	equities.journal	PROPN
fsr-3909	315	8	of	of	ADP
fsr-3909	315	9	portfolio	portfolio	NOUN
fsr-3909	315	10	management	management	NOUN
fsr-3909	315	11	,	,	PUNCT
fsr-3909	315	12	21,15–24	21,15–24	NUM
fsr-3909	315	13	.	.	PUNCT
fsr-3909	316	1	sharpe	sharpe	PROPN
fsr-3909	316	2	,	,	PUNCT
fsr-3909	316	3	w.	w.	PROPN
fsr-3909	316	4	f.	f.	PROPN
fsr-3909	316	5	(	(	PUNCT
fsr-3909	316	6	1994	1994	NUM
fsr-3909	316	7	)	)	PUNCT
fsr-3909	316	8	.	.	PUNCT
fsr-3909	317	1	the	the	DET
fsr-3909	317	2	sharpe	sharpe	PROPN
fsr-3909	317	3	ratio.journal	ratio.journal	PROPN
fsr-3909	317	4	of	of	ADP
fsr-3909	317	5	portfolio	portfolio	NOUN
fsr-3909	317	6	management	management	NOUN
fsr-3909	317	7	,	,	PUNCT
fsr-3909	317	8	21,49–58	21,49–58	PROPN
fsr-3909	317	9	.	.	PUNCT
fsr-3909	317	10	thaler	thaler	PROPN
fsr-3909	317	11	,	,	PUNCT
fsr-3909	317	12	r.	r.	PROPN
fsr-3909	317	13	h.	h.	PROPN
fsr-3909	317	14	,	,	PUNCT
fsr-3909	317	15	&	&	CCONJ
fsr-3909	317	16	williamson	williamson	PROPN
fsr-3909	317	17	,	,	PUNCT
fsr-3909	317	18	j.	j.	PROPN
fsr-3909	317	19	p.	p.	PROPN
fsr-3909	317	20	(	(	PUNCT
fsr-3909	317	21	1994	1994	NUM
fsr-3909	317	22	)	)	PUNCT
fsr-3909	317	23	.	.	PUNCT
fsr-3909	318	1	college	college	NOUN
fsr-3909	318	2	and	and	CCONJ
fsr-3909	318	3	university	university	NOUN
fsr-3909	318	4	endowment	endowment	NOUN
fsr-3909	318	5	funds	fund	NOUN
fsr-3909	318	6	:	:	PUNCT
fsr-3909	318	7	why	why	SCONJ
fsr-3909	318	8	not	not	PART
fsr-3909	318	9	100	100	NUM
fsr-3909	318	10	%	%	NOUN
fsr-3909	318	11	equities	equity	NOUN
fsr-3909	318	12	?	?	PUNCT
fsr-3909	319	1	journal	journal	PROPN
fsr-3909	319	2	of	of	ADP
fsr-3909	319	3	portfolio	portfolio	NOUN
fsr-3909	319	4	management	management	NOUN
fsr-3909	319	5	,	,	PUNCT
fsr-3909	319	6	21,27–37	21,27–37	PROPN
fsr-3909	319	7	.	.	PUNCT
fsr-3909	320	1	thorley	thorley	PROPN
fsr-3909	320	2	,	,	PUNCT
fsr-3909	320	3	s.	s.	PROPN
fsr-3909	320	4	r.	r.	PROPN
fsr-3909	320	5	(	(	PUNCT
fsr-3909	320	6	1995	1995	NUM
fsr-3909	320	7	.	.	PUNCT
fsr-3909	320	8	)	)	PUNCT
fsr-3909	320	9	.	.	PUNCT
fsr-3909	321	1	the	the	DET
fsr-3909	321	2	time	time	NOUN
fsr-3909	321	3	diversification	diversification	NOUN
fsr-3909	321	4	controversy.financial	controversy.financial	PROPN
fsr-3909	321	5	analysts	analyst	NOUN
fsr-3909	321	6	journal,51	journal,51	NOUN
fsr-3909	321	7	,	,	PUNCT
fsr-3909	321	8	68–76	68–76	NUM
fsr-3909	321	9	.	.	PUNCT
fsr-3909	322	1	92	92	NUM
fsr-3909	322	2	d.	d.	NOUN
fsr-3909	322	3	waggle	waggle	PROPN
fsr-3909	322	4	,	,	PUNCT
fsr-3909	322	5	b.	b.	PROPN
fsr-3909	322	6	englis	englis	PROPN
fsr-3909	322	7	/	/	SYM
fsr-3909	322	8	financial	financial	ADJ
fsr-3909	322	9	services	service	NOUN
fsr-3909	322	10	review	review	VERB
fsr-3909	322	11	9	9	NUM
fsr-3909	322	12	(	(	PUNCT
fsr-3909	322	13	2000	2000	NUM
fsr-3909	322	14	)	)	PUNCT
fsr-3909	322	15	79–92	79–92	NOUN