id	sid	tid	token	lemma	pos
fsr-3936	1	1	pii	pii	PROPN
fsr-3936	1	2	:	:	PUNCT
fsr-3936	1	3	s1057	s1057	NOUN
fsr-3936	1	4	-	-	PUNCT
fsr-3936	1	5	0810(01)00081	0810(01)00081	NOUN
fsr-3936	1	6	-	-	PUNCT
fsr-3936	1	7	6	6	NUM
fsr-3936	1	8	authors	author	NOUN
fsr-3936	1	9	allen	allen	VERB
fsr-3936	1	10	,	,	PUNCT
fsr-3936	1	11	douglas	douglas	PROPN
fsr-3936	1	12	e.	e.	PROPN
fsr-3936	1	13	,	,	PUNCT
fsr-3936	1	14	“	"	PUNCT
fsr-3936	1	15	hedonic	hedonic	ADJ
fsr-3936	1	16	investment	investment	NOUN
fsr-3936	1	17	,	,	PUNCT
fsr-3936	1	18	”	"	PUNCT
fsr-3936	1	19	9(4	9(4	NUM
fsr-3936	1	20	):	):	PUNCT
fsr-3936	1	21	389	389	NUM
fsr-3936	1	22	–	–	PUNCT
fsr-3936	1	23	403	403	NUM
fsr-3936	1	24	bost	bost	NOUN
fsr-3936	1	25	,	,	PUNCT
fsr-3936	1	26	john	john	PROPN
fsr-3936	1	27	c.	c.	PROPN
fsr-3936	1	28	,	,	PUNCT
fsr-3936	1	29	“	"	PUNCT
fsr-3936	1	30	liquidating	liquidate	VERB
fsr-3936	1	31	a	a	DET
fsr-3936	1	32	remainder	remainder	NOUN
fsr-3936	1	33	interest	interest	NOUN
fsr-3936	1	34	:	:	PUNCT
fsr-3936	1	35	simplifying	simplify	VERB
fsr-3936	1	36	personal	personal	ADJ
fsr-3936	1	37	finance	finance	NOUN
fsr-3936	1	38	,	,	PUNCT
fsr-3936	1	39	”	"	PUNCT
fsr-3936	1	40	9(2	9(2	NUM
fsr-3936	1	41	):	):	PUNCT
fsr-3936	1	42	183–195	183–195	NUM
fsr-3936	1	43	brown	brown	NOUN
fsr-3936	1	44	,	,	PUNCT
fsr-3936	1	45	stewart	stewart	PROPN
fsr-3936	1	46	l.	l.	PROPN
fsr-3936	1	47	,	,	PUNCT
fsr-3936	1	48	“	"	PUNCT
fsr-3936	1	49	design	design	NOUN
fsr-3936	1	50	considerations	consideration	NOUN
fsr-3936	1	51	for	for	ADP
fsr-3936	1	52	large	large	ADJ
fsr-3936	1	53	public	public	ADJ
fsr-3936	1	54	sector	sector	NOUN
fsr-3936	1	55	defined	define	VERB
fsr-3936	1	56	contribution	contribution	NOUN
fsr-3936	1	57	plans	plan	NOUN
fsr-3936	1	58	,	,	PUNCT
fsr-3936	1	59	”	"	PUNCT
fsr-3936	1	60	9(3	9(3	NUM
fsr-3936	1	61	):	):	PUNCT
fsr-3936	1	62	197–219	197–219	NUM
fsr-3936	1	63	chapman	chapman	PROPN
fsr-3936	1	64	,	,	PUNCT
fsr-3936	1	65	kenneth	kenneth	PROPN
fsr-3936	1	66	s.	s.	PROPN
fsr-3936	1	67	,	,	PUNCT
fsr-3936	1	68	“	"	PUNCT
fsr-3936	1	69	risk	risk	NOUN
fsr-3936	1	70	tolerance	tolerance	NOUN
fsr-3936	1	71	and	and	CCONJ
fsr-3936	1	72	asset	asset	NOUN
fsr-3936	1	73	allocation	allocation	NOUN
fsr-3936	1	74	for	for	ADP
fsr-3936	1	75	investors	investor	NOUN
fsr-3936	1	76	nearing	near	VERB
fsr-3936	1	77	retirement	retirement	NOUN
fsr-3936	1	78	,	,	PUNCT
fsr-3936	1	79	”	"	PUNCT
fsr-3936	1	80	9(2	9(2	NUM
fsr-3936	1	81	):	):	PUNCT
fsr-3936	1	82	159–171	159–171	NUM
fsr-3936	1	83	cherin	cherin	NOUN
fsr-3936	1	84	,	,	PUNCT
fsr-3936	1	85	tony	tony	ADJ
fsr-3936	1	86	,	,	PUNCT
fsr-3936	1	87	“	"	PUNCT
fsr-3936	1	88	liquidating	liquidate	VERB
fsr-3936	1	89	a	a	DET
fsr-3936	1	90	remainder	remainder	NOUN
fsr-3936	1	91	interest	interest	NOUN
fsr-3936	1	92	:	:	PUNCT
fsr-3936	1	93	simplifying	simplify	VERB
fsr-3936	1	94	personal	personal	ADJ
fsr-3936	1	95	finance	finance	NOUN
fsr-3936	1	96	,	,	PUNCT
fsr-3936	1	97	”	"	PUNCT
fsr-3936	1	98	9(2	9(2	NUM
fsr-3936	1	99	):	):	PUNCT
fsr-3936	1	100	183–195	183–195	NUM
fsr-3936	1	101	chung	chung	PROPN
fsr-3936	1	102	,	,	PUNCT
fsr-3936	1	103	richard	richard	PROPN
fsr-3936	1	104	,	,	PUNCT
fsr-3936	1	105	“	"	PUNCT
fsr-3936	1	106	market	market	NOUN
fsr-3936	1	107	timing	timing	NOUN
fsr-3936	1	108	using	use	VERB
fsr-3936	1	109	strategists	strategist	NOUN
fsr-3936	1	110	’	'	PUNCT
fsr-3936	1	111	and	and	CCONJ
fsr-3936	1	112	analysts	analyst	NOUN
fsr-3936	1	113	’	’	PART
fsr-3936	1	114	forecasts	forecast	NOUN
fsr-3936	1	115	of	of	ADP
fsr-3936	1	116	s&p	s&p	PROPN
fsr-3936	1	117	500	500	NUM
fsr-3936	1	118	earnings	earning	NOUN
fsr-3936	1	119	per	per	ADP
fsr-3936	1	120	share	share	NOUN
fsr-3936	1	121	,	,	PUNCT
fsr-3936	1	122	”	"	PUNCT
fsr-3936	1	123	9(2	9(2	NUM
fsr-3936	1	124	):	):	PUNCT
fsr-3936	1	125	125–145	125–145	NUM
fsr-3936	1	126	domian	domian	PROPN
fsr-3936	1	127	,	,	PUNCT
fsr-3936	1	128	dale	dale	PROPN
fsr-3936	1	129	l.	l.	PROPN
fsr-3936	1	130	,“risk	,“risk	PUNCT
fsr-3936	1	131	tolerance	tolerance	NOUN
fsr-3936	1	132	and	and	CCONJ
fsr-3936	1	133	asset	asset	NOUN
fsr-3936	1	134	allocation	allocation	NOUN
fsr-3936	1	135	for	for	ADP
fsr-3936	1	136	investors	investor	NOUN
fsr-3936	1	137	nearing	near	VERB
fsr-3936	1	138	retirement	retirement	NOUN
fsr-3936	1	139	,	,	PUNCT
fsr-3936	1	140	”	"	PUNCT
fsr-3936	1	141	9(2	9(2	NUM
fsr-3936	1	142	):	):	PUNCT
fsr-3936	1	143	159–171	159–171	NUM
fsr-3936	1	144	downe	downe	NOUN
fsr-3936	1	145	,	,	PUNCT
fsr-3936	1	146	edward	edward	PROPN
fsr-3936	1	147	a.	a.	PROPN
fsr-3936	1	148	,	,	PUNCT
fsr-3936	1	149	“	"	PUNCT
fsr-3936	1	150	the	the	DET
fsr-3936	1	151	effect	effect	NOUN
fsr-3936	1	152	of	of	ADP
fsr-3936	1	153	country	country	NOUN
fsr-3936	1	154	-	-	PUNCT
fsr-3936	1	155	specific	specific	ADJ
fsr-3936	1	156	index	index	NOUN
fsr-3936	1	157	trading	trading	NOUN
fsr-3936	1	158	on	on	ADP
fsr-3936	1	159	closed	close	VERB
fsr-3936	1	160	-	-	PUNCT
fsr-3936	1	161	end	end	NOUN
fsr-3936	1	162	country	country	NOUN
fsr-3936	1	163	funds	fund	NOUN
fsr-3936	1	164	:	:	PUNCT
fsr-3936	1	165	an	an	DET
fsr-3936	1	166	empirical	empirical	ADJ
fsr-3936	1	167	analysis	analysis	NOUN
fsr-3936	1	168	,	,	PUNCT
fsr-3936	1	169	”	"	PUNCT
fsr-3936	1	170	9(3	9(3	NUM
fsr-3936	1	171	):	):	PUNCT
fsr-3936	1	172	259–277	259–277	NUM
fsr-3936	1	173	elder	elder	NOUN
fsr-3936	1	174	,	,	PUNCT
fsr-3936	1	175	erick	erick	PROPN
fsr-3936	1	176	,	,	PUNCT
fsr-3936	1	177	“	"	PUNCT
fsr-3936	1	178	social	social	ADJ
fsr-3936	1	179	security	security	NOUN
fsr-3936	1	180	reform	reform	NOUN
fsr-3936	1	181	:	:	PUNCT
fsr-3936	1	182	the	the	DET
fsr-3936	1	183	effect	effect	NOUN
fsr-3936	1	184	of	of	ADP
fsr-3936	1	185	investing	invest	VERB
fsr-3936	1	186	in	in	ADP
fsr-3936	1	187	equities	equity	NOUN
fsr-3936	1	188	,	,	PUNCT
fsr-3936	1	189	”	"	PUNCT
fsr-3936	1	190	9(1	9(1	NUM
fsr-3936	1	191	):	):	PUNCT
fsr-3936	1	192	93–107	93–107	NUM
fsr-3936	1	193	elder	elder	NOUN
fsr-3936	1	194	,	,	PUNCT
fsr-3936	1	195	harold	harold	PROPN
fsr-3936	1	196	w.	w.	PROPN
fsr-3936	1	197	,	,	PUNCT
fsr-3936	1	198	“	"	PUNCT
fsr-3936	1	199	beliefs	belief	NOUN
fsr-3936	1	200	and	and	CCONJ
fsr-3936	1	201	actions	action	NOUN
fsr-3936	1	202	:	:	PUNCT
fsr-3936	1	203	expectations	expectation	NOUN
fsr-3936	1	204	and	and	CCONJ
fsr-3936	1	205	savings	saving	NOUN
fsr-3936	1	206	decisions	decision	NOUN
fsr-3936	1	207	by	by	ADP
fsr-3936	1	208	older	old	ADJ
fsr-3936	1	209	americans	american	NOUN
fsr-3936	1	210	,	,	PUNCT
fsr-3936	1	211	”	"	PUNCT
fsr-3936	1	212	9(1	9(1	NUM
fsr-3936	1	213	):	):	PUNCT
fsr-3936	1	214	33–47	33–47	NUM
fsr-3936	1	215	englis	englis	PROPN
fsr-3936	1	216	,	,	PUNCT
fsr-3936	1	217	basil	basil	NOUN
fsr-3936	1	218	,	,	PUNCT
fsr-3936	1	219	“	"	PUNCT
fsr-3936	1	220	asset	asset	NOUN
fsr-3936	1	221	allocation	allocation	NOUN
fsr-3936	1	222	decisions	decision	NOUN
fsr-3936	1	223	in	in	ADP
fsr-3936	1	224	retirement	retirement	NOUN
fsr-3936	1	225	accounts	account	NOUN
fsr-3936	1	226	:	:	PUNCT
fsr-3936	1	227	an	an	DET
fsr-3936	1	228	all	all	ADV
fsr-3936	1	229	-	-	PUNCT
fsr-3936	1	230	or	or	CCONJ
fsr-3936	1	231	-	-	PUNCT
fsr-3936	1	232	nothing	nothing	PRON
fsr-3936	1	233	proposition	proposition	NOUN
fsr-3936	1	234	?	?	PUNCT
fsr-3936	1	235	,	,	PUNCT
fsr-3936	1	236	”	"	PUNCT
fsr-3936	1	237	9(1	9(1	NUM
fsr-3936	1	238	):	):	PUNCT
fsr-3936	1	239	79–93	79–93	NUM
fsr-3936	1	240	fraser	fraser	NOUN
fsr-3936	1	241	,	,	PUNCT
fsr-3936	1	242	steve	steve	PROPN
fsr-3936	1	243	p.	p.	PROPN
fsr-3936	1	244	,	,	PUNCT
fsr-3936	1	245	“	"	PUNCT
fsr-3936	1	246	strategic	strategic	ADJ
fsr-3936	1	247	asset	asset	NOUN
fsr-3936	1	248	allocation	allocation	NOUN
fsr-3936	1	249	for	for	ADP
fsr-3936	1	250	individual	individual	ADJ
fsr-3936	1	251	investors	investor	NOUN
fsr-3936	1	252	:	:	PUNCT
fsr-3936	1	253	the	the	DET
fsr-3936	1	254	impact	impact	NOUN
fsr-3936	1	255	of	of	ADP
fsr-3936	1	256	the	the	DET
fsr-3936	1	257	present	present	ADJ
fsr-3936	1	258	value	value	NOUN
fsr-3936	1	259	of	of	ADP
fsr-3936	1	260	social	social	ADJ
fsr-3936	1	261	security	security	NOUN
fsr-3936	1	262	benefits	benefit	NOUN
fsr-3936	1	263	,	,	PUNCT
fsr-3936	1	264	”	"	PUNCT
fsr-3936	1	265	9(4	9(4	NUM
fsr-3936	1	266	):	):	PUNCT
fsr-3936	1	267	295–326	295–326	NUM
fsr-3936	1	268	greninger	greninger	NOUN
fsr-3936	1	269	,	,	PUNCT
fsr-3936	1	270	sue	sue	NOUN
fsr-3936	1	271	alexander	alexander	NOUN
fsr-3936	1	272	,	,	PUNCT
fsr-3936	1	273	“	"	PUNCT
fsr-3936	1	274	retirement	retirement	NOUN
fsr-3936	1	275	planning	planning	NOUN
fsr-3936	1	276	guidelines	guideline	NOUN
fsr-3936	1	277	:	:	PUNCT
fsr-3936	1	278	a	a	DET
fsr-3936	1	279	delphi	delphi	ADJ
fsr-3936	1	280	study	study	NOUN
fsr-3936	1	281	of	of	ADP
fsr-3936	1	282	financial	financial	ADJ
fsr-3936	1	283	planners	planner	NOUN
fsr-3936	1	284	and	and	CCONJ
fsr-3936	1	285	educators	educator	NOUN
fsr-3936	1	286	,	,	PUNCT
fsr-3936	1	287	”	"	PUNCT
fsr-3936	1	288	9(3	9(3	NUM
fsr-3936	1	289	):	):	PUNCT
fsr-3936	1	290	231–247	231–247	NUM
fsr-3936	1	291	hampton	hampton	NOUN
fsr-3936	1	292	,	,	PUNCT
fsr-3936	1	293	vickie	vickie	PROPN
fsr-3936	1	294	l.	l.	PROPN
fsr-3936	1	295	,	,	PUNCT
fsr-3936	1	296	“	"	PUNCT
fsr-3936	1	297	retirement	retirement	NOUN
fsr-3936	1	298	planning	planning	NOUN
fsr-3936	1	299	guidelines	guideline	NOUN
fsr-3936	1	300	:	:	PUNCT
fsr-3936	1	301	a	a	DET
fsr-3936	1	302	delphi	delphi	ADJ
fsr-3936	1	303	study	study	NOUN
fsr-3936	1	304	of	of	ADP
fsr-3936	1	305	financial	financial	ADJ
fsr-3936	1	306	planners	planner	NOUN
fsr-3936	1	307	and	and	CCONJ
fsr-3936	1	308	educators	educator	NOUN
fsr-3936	1	309	,	,	PUNCT
fsr-3936	1	310	”	"	PUNCT
fsr-3936	1	311	9(3	9(3	NUM
fsr-3936	1	312	):	):	PUNCT
fsr-3936	1	313	231–247	231–247	NUM
fsr-3936	1	314	hanna	hanna	NOUN
fsr-3936	1	315	,	,	PUNCT
fsr-3936	1	316	sherman	sherman	NOUN
fsr-3936	1	317	,	,	PUNCT
fsr-3936	1	318	“	"	PUNCT
fsr-3936	1	319	determinates	determinate	NOUN
fsr-3936	1	320	of	of	ADP
fsr-3936	1	321	planned	plan	VERB
fsr-3936	1	322	retirement	retirement	NOUN
fsr-3936	1	323	age	age	NOUN
fsr-3936	1	324	,	,	PUNCT
fsr-3936	1	325	”	"	PUNCT
fsr-3936	1	326	9(1	9(1	NUM
fsr-3936	1	327	):	):	PUNCT
fsr-3936	1	328	1–17	1–17	PROPN
fsr-3936	1	329	hariharan	hariharan	PROPN
fsr-3936	1	330	,	,	PUNCT
fsr-3936	1	331	govind	govind	PROPN
fsr-3936	1	332	,	,	PUNCT
fsr-3936	1	333	“	"	PUNCT
fsr-3936	1	334	risk	risk	NOUN
fsr-3936	1	335	tolerance	tolerance	NOUN
fsr-3936	1	336	and	and	CCONJ
fsr-3936	1	337	asset	asset	NOUN
fsr-3936	1	338	allocation	allocation	NOUN
fsr-3936	1	339	for	for	ADP
fsr-3936	1	340	investors	investor	NOUN
fsr-3936	1	341	nearing	near	VERB
fsr-3936	1	342	retirement	retirement	NOUN
fsr-3936	1	343	,	,	PUNCT
fsr-3936	1	344	”	"	PUNCT
fsr-3936	1	345	9(2	9(2	NUM
fsr-3936	1	346	):	):	PUNCT
fsr-3936	1	347	159–171	159–171	NUM
fsr-3936	1	348	hearth	hearth	NOUN
fsr-3936	1	349	,	,	PUNCT
fsr-3936	1	350	douglas	douglas	PROPN
fsr-3936	1	351	,	,	PUNCT
fsr-3936	1	352	“	"	PUNCT
fsr-3936	1	353	performance	performance	NOUN
fsr-3936	1	354	persistence	persistence	NOUN
fsr-3936	1	355	and	and	CCONJ
fsr-3936	1	356	management	management	NOUN
fsr-3936	1	357	skill	skill	NOUN
fsr-3936	1	358	in	in	ADP
fsr-3936	1	359	non	non	ADJ
fsr-3936	1	360	-	-	ADJ
fsr-3936	1	361	conventional	conventional	ADJ
fsr-3936	1	362	bond	bond	NOUN
fsr-3936	1	363	mutual	mutual	ADJ
fsr-3936	1	364	funds	fund	NOUN
fsr-3936	1	365	,	,	PUNCT
fsr-3936	1	366	”	"	PUNCT
fsr-3936	1	367	9(3	9(3	NUM
fsr-3936	1	368	):	):	PUNCT
fsr-3936	1	369	247–259	247–259	NUM
fsr-3936	1	370	hogarth	hogarth	NOUN
fsr-3936	1	371	,	,	PUNCT
fsr-3936	1	372	jeanne	jeanne	PROPN
fsr-3936	1	373	m.	m.	PROPN
fsr-3936	1	374	,	,	PUNCT
fsr-3936	1	375	“	"	PUNCT
fsr-3936	1	376	consumer	consumer	NOUN
fsr-3936	1	377	information	information	NOUN
fsr-3936	1	378	search	search	NOUN
fsr-3936	1	379	for	for	ADP
fsr-3936	1	380	home	home	NOUN
fsr-3936	1	381	mortgages	mortgage	NOUN
fsr-3936	1	382	:	:	PUNCT
fsr-3936	1	383	who	who	PRON
fsr-3936	1	384	,	,	PUNCT
fsr-3936	1	385	what	what	PRON
fsr-3936	1	386	,	,	PUNCT
fsr-3936	1	387	how	how	SCONJ
fsr-3936	1	388	much	much	ADJ
fsr-3936	1	389	,	,	PUNCT
fsr-3936	1	390	and	and	CCONJ
fsr-3936	1	391	what	what	PRON
fsr-3936	1	392	else	else	ADV
fsr-3936	1	393	?	?	PUNCT
fsr-3936	1	394	,	,	PUNCT
fsr-3936	1	395	”	"	PUNCT
fsr-3936	1	396	9(3	9(3	NUM
fsr-3936	1	397	):	):	PUNCT
fsr-3936	1	398	277–293	277–293	NUM
fsr-3936	1	399	holland	holland	NOUN
fsr-3936	1	400	,	,	PUNCT
fsr-3936	1	401	larry	larry	PROPN
fsr-3936	1	402	,	,	PUNCT
fsr-3936	1	403	“	"	PUNCT
fsr-3936	1	404	social	social	ADJ
fsr-3936	1	405	security	security	NOUN
fsr-3936	1	406	reform	reform	NOUN
fsr-3936	1	407	:	:	PUNCT
fsr-3936	1	408	the	the	DET
fsr-3936	1	409	effect	effect	NOUN
fsr-3936	1	410	of	of	ADP
fsr-3936	1	411	investing	invest	VERB
fsr-3936	1	412	in	in	ADP
fsr-3936	1	413	equities	equity	NOUN
fsr-3936	1	414	,	,	PUNCT
fsr-3936	1	415	”	"	PUNCT
fsr-3936	1	416	9(1	9(1	NUM
fsr-3936	1	417	):	):	PUNCT
fsr-3936	1	418	93–107	93–107	NUM
fsr-3936	1	419	jacquet	jacquet	NOUN
fsr-3936	1	420	,	,	PUNCT
fsr-3936	1	421	susan	susan	PROPN
fsr-3936	1	422	,	,	PUNCT
fsr-3936	1	423	“	"	PUNCT
fsr-3936	1	424	retirement	retirement	NOUN
fsr-3936	1	425	planning	planning	NOUN
fsr-3936	1	426	guidelines	guideline	NOUN
fsr-3936	1	427	:	:	PUNCT
fsr-3936	1	428	a	a	DET
fsr-3936	1	429	delphi	delphi	ADJ
fsr-3936	1	430	study	study	NOUN
fsr-3936	1	431	of	of	ADP
fsr-3936	1	432	financial	financial	ADJ
fsr-3936	1	433	planners	planner	NOUN
fsr-3936	1	434	and	and	CCONJ
fsr-3936	1	435	educators	educator	NOUN
fsr-3936	1	436	,	,	PUNCT
fsr-3936	1	437	”	"	PUNCT
fsr-3936	1	438	9(3	9(3	NUM
fsr-3936	1	439	):	):	PUNCT
fsr-3936	1	440	231–247	231–247	NUM
fsr-3936	1	441	jennings	jenning	NOUN
fsr-3936	1	442	,	,	PUNCT
fsr-3936	1	443	william	william	PROPN
fsr-3936	1	444	w.	w.	PROPN
fsr-3936	1	445	,	,	PUNCT
fsr-3936	1	446	“	"	PUNCT
fsr-3936	1	447	strategic	strategic	ADJ
fsr-3936	1	448	asset	asset	NOUN
fsr-3936	1	449	allocation	allocation	NOUN
fsr-3936	1	450	for	for	ADP
fsr-3936	1	451	individual	individual	ADJ
fsr-3936	1	452	investors	investor	NOUN
fsr-3936	1	453	:	:	PUNCT
fsr-3936	1	454	the	the	DET
fsr-3936	1	455	impact	impact	NOUN
fsr-3936	1	456	of	of	ADP
fsr-3936	1	457	the	the	DET
fsr-3936	1	458	present	present	ADJ
fsr-3936	1	459	value	value	NOUN
fsr-3936	1	460	of	of	ADP
fsr-3936	1	461	social	social	ADJ
fsr-3936	1	462	security	security	NOUN
fsr-3936	1	463	benefits	benefit	NOUN
fsr-3936	1	464	,	,	PUNCT
fsr-3936	1	465	”	"	PUNCT
fsr-3936	1	466	9(4	9(4	NUM
fsr-3936	1	467	):	):	PUNCT
fsr-3936	1	468	295–326	295–326	NUM
fsr-3936	1	469	jordan	jordan	PROPN
fsr-3936	1	470	,	,	PUNCT
fsr-3936	1	471	w.	w.	PROPN
fsr-3936	1	472	john	john	PROPN
fsr-3936	1	473	,	,	PUNCT
fsr-3936	1	474	“	"	PUNCT
fsr-3936	1	475	stock	stock	NOUN
fsr-3936	1	476	selection	selection	NOUN
fsr-3936	1	477	based	base	VERB
fsr-3936	1	478	on	on	ADP
fsr-3936	1	479	morningstar	morningstar	PROPN
fsr-3936	1	480	’s	’s	PART
fsr-3936	1	481	ten	ten	NUM
fsr-3936	1	482	-	-	PUNCT
fsr-3936	1	483	year	year	NOUN
fsr-3936	1	484	,	,	PUNCT
fsr-3936	1	485	five	five	NUM
fsr-3936	1	486	-	-	PUNCT
fsr-3936	1	487	star	star	NOUN
fsr-3936	1	488	general	general	PROPN
fsr-3936	1	489	equity	equity	PROPN
fsr-3936	1	490	mutual	mutual	ADJ
fsr-3936	1	491	funds	fund	NOUN
fsr-3936	1	492	,	,	PUNCT
fsr-3936	1	493	”	"	PUNCT
fsr-3936	1	494	9(2	9(2	NUM
fsr-3936	1	495	):	):	PUNCT
fsr-3936	1	496	145–159	145–159	NUM
fsr-3936	1	497	king	king	NOUN
fsr-3936	1	498	,	,	PUNCT
fsr-3936	1	499	david	david	PROPN
fsr-3936	1	500	r.	r.	PROPN
fsr-3936	1	501	,	,	PUNCT
fsr-3936	1	502	“	"	PUNCT
fsr-3936	1	503	strategic	strategic	ADJ
fsr-3936	1	504	asset	asset	NOUN
fsr-3936	1	505	allocation	allocation	NOUN
fsr-3936	1	506	for	for	ADP
fsr-3936	1	507	individual	individual	ADJ
fsr-3936	1	508	investors	investor	NOUN
fsr-3936	1	509	:	:	PUNCT
fsr-3936	1	510	the	the	DET
fsr-3936	1	511	impact	impact	NOUN
fsr-3936	1	512	of	of	ADP
fsr-3936	1	513	the	the	DET
fsr-3936	1	514	present	present	ADJ
fsr-3936	1	515	value	value	NOUN
fsr-3936	1	516	of	of	ADP
fsr-3936	1	517	social	social	ADJ
fsr-3936	1	518	security	security	NOUN
fsr-3936	1	519	benefits	benefit	NOUN
fsr-3936	1	520	,	,	PUNCT
fsr-3936	1	521	”	"	PUNCT
fsr-3936	1	522	9(4	9(4	NUM
fsr-3936	1	523	):	):	PUNCT
fsr-3936	1	524	295–326	295–326	NUM
fsr-3936	1	525	405	405	NUM
fsr-3936	1	526	financial	financial	ADJ
fsr-3936	1	527	services	service	NOUN
fsr-3936	1	528	review	review	VERB
fsr-3936	1	529	the	the	DET
fsr-3936	1	530	journal	journal	NOUN
fsr-3936	1	531	of	of	ADP
fsr-3936	1	532	individual	individual	ADJ
fsr-3936	1	533	financial	financial	ADJ
fsr-3936	1	534	management	management	NOUN
fsr-3936	1	535	index	index	NOUN
fsr-3936	1	536	volume	volume	NOUN
fsr-3936	1	537	9	9	NUM
fsr-3936	1	538	,	,	PUNCT
fsr-3936	1	539	2000	2000	NUM
fsr-3936	1	540	kitt	kitt	PROPN
fsr-3936	1	541	,	,	PUNCT
fsr-3936	1	542	karrol	karrol	PROPN
fsr-3936	1	543	a.	a.	PROPN
fsr-3936	1	544	,	,	PUNCT
fsr-3936	1	545	“	"	PUNCT
fsr-3936	1	546	retirement	retirement	NOUN
fsr-3936	1	547	planning	planning	NOUN
fsr-3936	1	548	guidelines	guideline	NOUN
fsr-3936	1	549	:	:	PUNCT
fsr-3936	1	550	a	a	DET
fsr-3936	1	551	delphi	delphi	ADJ
fsr-3936	1	552	study	study	NOUN
fsr-3936	1	553	of	of	ADP
fsr-3936	1	554	financial	financial	ADJ
fsr-3936	1	555	planners	planner	NOUN
fsr-3936	1	556	and	and	CCONJ
fsr-3936	1	557	educators	educator	NOUN
fsr-3936	1	558	,	,	PUNCT
fsr-3936	1	559	”	"	PUNCT
fsr-3936	1	560	9(3	9(3	NUM
fsr-3936	1	561	):	):	PUNCT
fsr-3936	1	562	231–247	231–247	NUM
fsr-3936	1	563	kryzanowski	kryzanowski	NOUN
fsr-3936	1	564	,	,	PUNCT
fsr-3936	1	565	lawrence	lawrence	PROPN
fsr-3936	1	566	,	,	PUNCT
fsr-3936	1	567	“	"	PUNCT
fsr-3936	1	568	market	market	NOUN
fsr-3936	1	569	timing	timing	NOUN
fsr-3936	1	570	using	use	VERB
fsr-3936	1	571	strategists	strategist	NOUN
fsr-3936	1	572	’	'	PUNCT
fsr-3936	1	573	and	and	CCONJ
fsr-3936	1	574	analysts	analyst	NOUN
fsr-3936	1	575	’	’	PART
fsr-3936	1	576	forecasts	forecast	NOUN
fsr-3936	1	577	of	of	ADP
fsr-3936	1	578	s&p	s&p	PROPN
fsr-3936	1	579	500	500	NUM
fsr-3936	1	580	earnings	earning	NOUN
fsr-3936	1	581	per	per	ADP
fsr-3936	1	582	share	share	NOUN
fsr-3936	1	583	,	,	PUNCT
fsr-3936	1	584	”	"	PUNCT
fsr-3936	1	585	9(2	9(2	NUM
fsr-3936	1	586	):	):	PUNCT
fsr-3936	1	587	125–145	125–145	NUM
fsr-3936	1	588	kuhlemeyer	kuhlemeyer	PROPN
fsr-3936	1	589	,	,	PUNCT
fsr-3936	1	590	gregory	gregory	PROPN
fsr-3936	1	591	a.	a.	PROPN
fsr-3936	1	592	,	,	PUNCT
fsr-3936	1	593	“	"	PUNCT
fsr-3936	1	594	the	the	DET
fsr-3936	1	595	equity	equity	NOUN
fsr-3936	1	596	index	index	NOUN
fsr-3936	1	597	annuity	annuity	NOUN
fsr-3936	1	598	:	:	PUNCT
fsr-3936	1	599	an	an	DET
fsr-3936	1	600	examination	examination	NOUN
fsr-3936	1	601	of	of	ADP
fsr-3936	1	602	performance	performance	NOUN
fsr-3936	1	603	and	and	CCONJ
fsr-3936	1	604	regulatory	regulatory	ADJ
fsr-3936	1	605	concerns	concern	NOUN
fsr-3936	1	606	,	,	PUNCT
fsr-3936	1	607	”	"	PUNCT
fsr-3936	1	608	9(4	9(4	NUM
fsr-3936	1	609	):	):	PUNCT
fsr-3936	1	610	327–342	327–342	NUM
fsr-3936	1	611	lee	lee	PROPN
fsr-3936	1	612	,	,	PUNCT
fsr-3936	1	613	jinkook	jinkook	NOUN
fsr-3936	1	614	,	,	PUNCT
fsr-3936	1	615	“	"	PUNCT
fsr-3936	1	616	consumer	consumer	NOUN
fsr-3936	1	617	information	information	NOUN
fsr-3936	1	618	search	search	NOUN
fsr-3936	1	619	for	for	ADP
fsr-3936	1	620	home	home	NOUN
fsr-3936	1	621	mortgages	mortgage	NOUN
fsr-3936	1	622	:	:	PUNCT
fsr-3936	1	623	who	who	PRON
fsr-3936	1	624	,	,	PUNCT
fsr-3936	1	625	what	what	PRON
fsr-3936	1	626	,	,	PUNCT
fsr-3936	1	627	how	how	SCONJ
fsr-3936	1	628	much	much	ADJ
fsr-3936	1	629	,	,	PUNCT
fsr-3936	1	630	and	and	CCONJ
fsr-3936	1	631	what	what	PRON
fsr-3936	1	632	else	else	ADV
fsr-3936	1	633	?	?	PUNCT
fsr-3936	1	634	,	,	PUNCT
fsr-3936	1	635	”	"	PUNCT
fsr-3936	1	636	9(3	9(3	NUM
fsr-3936	1	637	):	):	PUNCT
fsr-3936	1	638	277–293	277–293	NUM
fsr-3936	1	639	loviscek	loviscek	NOUN
fsr-3936	1	640	,	,	PUNCT
fsr-3936	1	641	anthony	anthony	PROPN
fsr-3936	1	642	l.	l.	PROPN
fsr-3936	1	643	,	,	PUNCT
fsr-3936	1	644	“	"	PUNCT
fsr-3936	1	645	stock	stock	NOUN
fsr-3936	1	646	selection	selection	NOUN
fsr-3936	1	647	based	base	VERB
fsr-3936	1	648	on	on	ADP
fsr-3936	1	649	morningstar	morningstar	PROPN
fsr-3936	1	650	’s	’s	PART
fsr-3936	1	651	ten	ten	NUM
fsr-3936	1	652	-	-	PUNCT
fsr-3936	1	653	year	year	NOUN
fsr-3936	1	654	,	,	PUNCT
fsr-3936	1	655	five	five	NUM
fsr-3936	1	656	-	-	PUNCT
fsr-3936	1	657	star	star	NOUN
fsr-3936	1	658	general	general	PROPN
fsr-3936	1	659	equity	equity	PROPN
fsr-3936	1	660	mutual	mutual	ADJ
fsr-3936	1	661	funds	fund	NOUN
fsr-3936	1	662	,	,	PUNCT
fsr-3936	1	663	”	"	PUNCT
fsr-3936	1	664	9(2	9(2	NUM
fsr-3936	1	665	):	):	PUNCT
fsr-3936	1	666	145–159	145–159	NUM
fsr-3936	1	667	mcginnis	mcginnis	PROPN
fsr-3936	1	668	,	,	PUNCT
fsr-3936	1	669	john	john	PROPN
fsr-3936	1	670	d.	d.	PROPN
fsr-3936	1	671	,	,	PUNCT
fsr-3936	1	672	“	"	PUNCT
fsr-3936	1	673	the	the	DET
fsr-3936	1	674	asset	asset	NOUN
fsr-3936	1	675	allocation	allocation	NOUN
fsr-3936	1	676	decision	decision	NOUN
fsr-3936	1	677	in	in	ADP
fsr-3936	1	678	retirement	retirement	NOUN
fsr-3936	1	679	:	:	PUNCT
fsr-3936	1	680	lessons	lesson	NOUN
fsr-3936	1	681	from	from	ADP
fsr-3936	1	682	dollar	dollar	NOUN
fsr-3936	1	683	cost	cost	NOUN
fsr-3936	1	684	averaging	averaging	NOUN
fsr-3936	1	685	,	,	PUNCT
fsr-3936	1	686	”	"	PUNCT
fsr-3936	1	687	9(1	9(1	NUM
fsr-3936	1	688	):	):	PUNCT
fsr-3936	1	689	47–65	47–65	NUM
fsr-3936	1	690	mcgoun	mcgoun	NOUN
fsr-3936	1	691	,	,	PUNCT
fsr-3936	1	692	elton	elton	PROPN
fsr-3936	1	693	g.	g.	PROPN
fsr-3936	1	694	,	,	PUNCT
fsr-3936	1	695	“	"	PUNCT
fsr-3936	1	696	hedonic	hedonic	ADJ
fsr-3936	1	697	investment	investment	NOUN
fsr-3936	1	698	,	,	PUNCT
fsr-3936	1	699	”	"	PUNCT
fsr-3936	1	700	9(4	9(4	NUM
fsr-3936	1	701	):	):	PUNCT
fsr-3936	1	702	389	389	NUM
fsr-3936	1	703	–	–	PUNCT
fsr-3936	1	704	403	403	NUM
fsr-3936	1	705	miller	miller	NOUN
fsr-3936	1	706	,	,	PUNCT
fsr-3936	1	707	edward	edward	PROPN
fsr-3936	1	708	m.	m.	NOUN
fsr-3936	1	709	,	,	PUNCT
fsr-3936	1	710	“	"	PUNCT
fsr-3936	1	711	exploitable	exploitable	ADJ
fsr-3936	1	712	patterns	pattern	NOUN
fsr-3936	1	713	in	in	ADP
fsr-3936	1	714	retirement	retirement	NOUN
fsr-3936	1	715	annuity	annuity	NOUN
fsr-3936	1	716	returns	return	NOUN
fsr-3936	1	717	:	:	PUNCT
fsr-3936	1	718	evidence	evidence	NOUN
fsr-3936	1	719	from	from	ADP
fsr-3936	1	720	tiaa/	tiaa/	NUM
fsr-3936	1	721	cref	cref	NOUN
fsr-3936	1	722	,	,	PUNCT
fsr-3936	1	723	”	"	PUNCT
fsr-3936	1	724	9(3	9(3	NUM
fsr-3936	1	725	):	):	PUNCT
fsr-3936	1	726	219–231	219–231	NUM
fsr-3936	1	727	montalto	montalto	NOUN
fsr-3936	1	728	,	,	PUNCT
fsr-3936	1	729	catherine	catherine	PROPN
fsr-3936	1	730	phillips	phillips	PROPN
fsr-3936	1	731	,	,	PUNCT
fsr-3936	1	732	“	"	PUNCT
fsr-3936	1	733	determinates	determinate	NOUN
fsr-3936	1	734	of	of	ADP
fsr-3936	1	735	planned	plan	VERB
fsr-3936	1	736	retirement	retirement	NOUN
fsr-3936	1	737	age	age	NOUN
fsr-3936	1	738	,	,	PUNCT
fsr-3936	1	739	”	"	PUNCT
fsr-3936	1	740	9(1	9(1	NUM
fsr-3936	1	741	):	):	PUNCT
fsr-3936	1	742	1–17	1–17	PROPN
fsr-3936	1	743	o’connor	o’connor	ADV
fsr-3936	1	744	,	,	PUNCT
fsr-3936	1	745	matthew	matthew	PROPN
fsr-3936	1	746	,	,	PUNCT
fsr-3936	1	747	“	"	PUNCT
fsr-3936	1	748	the	the	DET
fsr-3936	1	749	effect	effect	NOUN
fsr-3936	1	750	of	of	ADP
fsr-3936	1	751	country	country	NOUN
fsr-3936	1	752	-	-	PUNCT
fsr-3936	1	753	specific	specific	ADJ
fsr-3936	1	754	index	index	NOUN
fsr-3936	1	755	trading	trading	NOUN
fsr-3936	1	756	on	on	ADP
fsr-3936	1	757	closed	close	VERB
fsr-3936	1	758	-	-	PUNCT
fsr-3936	1	759	end	end	NOUN
fsr-3936	1	760	country	country	NOUN
fsr-3936	1	761	funds	fund	NOUN
fsr-3936	1	762	:	:	PUNCT
fsr-3936	1	763	an	an	DET
fsr-3936	1	764	empirical	empirical	ADJ
fsr-3936	1	765	analysis	analysis	NOUN
fsr-3936	1	766	,	,	PUNCT
fsr-3936	1	767	”	"	PUNCT
fsr-3936	1	768	9(3	9(3	NUM
fsr-3936	1	769	):	):	PUNCT
fsr-3936	1	770	259–277	259–277	NUM
fsr-3936	1	771	olsen	olsen	NOUN
fsr-3936	1	772	,	,	PUNCT
fsr-3936	1	773	kelly	kelly	PROPN
fsr-3936	1	774	,	,	PUNCT
fsr-3936	1	775	“	"	PUNCT
fsr-3936	1	776	social	social	ADJ
fsr-3936	1	777	security	security	NOUN
fsr-3936	1	778	investment	investment	NOUN
fsr-3936	1	779	accounts	account	NOUN
fsr-3936	1	780	:	:	PUNCT
fsr-3936	1	781	lessons	lesson	NOUN
fsr-3936	1	782	from	from	ADP
fsr-3936	1	783	participant	participant	ADJ
fsr-3936	1	784	-	-	PUNCT
fsr-3936	1	785	directed	direct	VERB
fsr-3936	1	786	401(k	401(k	PROPN
fsr-3936	1	787	)	)	PUNCT
fsr-3936	1	788	data	datum	NOUN
fsr-3936	1	789	,	,	PUNCT
fsr-3936	1	790	”	"	PUNCT
fsr-3936	1	791	9(1	9(1	NUM
fsr-3936	1	792	):	):	PUNCT
fsr-3936	2	1	65–79	65–79	ADJ
fsr-3936	2	2	philpot	philpot	NOUN
fsr-3936	2	3	,	,	PUNCT
fsr-3936	2	4	james	james	PROPN
fsr-3936	2	5	,	,	PUNCT
fsr-3936	2	6	“	"	PUNCT
fsr-3936	2	7	performance	performance	NOUN
fsr-3936	2	8	persistence	persistence	NOUN
fsr-3936	2	9	and	and	CCONJ
fsr-3936	2	10	management	management	NOUN
fsr-3936	2	11	skill	skill	NOUN
fsr-3936	2	12	in	in	ADP
fsr-3936	2	13	non	non	ADJ
fsr-3936	2	14	-	-	ADJ
fsr-3936	2	15	conventional	conventional	ADJ
fsr-3936	2	16	bond	bond	NOUN
fsr-3936	2	17	mutual	mutual	ADJ
fsr-3936	2	18	funds	fund	NOUN
fsr-3936	2	19	,	,	PUNCT
fsr-3936	2	20	”	"	PUNCT
fsr-3936	2	21	9(3	9(3	NUM
fsr-3936	2	22	):	):	PUNCT
fsr-3936	2	23	247–259	247–259	NUM
fsr-3936	2	24	plath	plath	NOUN
fsr-3936	2	25	,	,	PUNCT
fsr-3936	2	26	d.	d.	PROPN
fsr-3936	2	27	anthony	anthony	PROPN
fsr-3936	2	28	,	,	PUNCT
fsr-3936	2	29	“	"	PUNCT
fsr-3936	2	30	financial	financial	ADJ
fsr-3936	2	31	services	service	NOUN
fsr-3936	2	32	and	and	CCONJ
fsr-3936	2	33	the	the	DET
fsr-3936	2	34	african	african	ADJ
fsr-3936	2	35	-	-	PUNCT
fsr-3936	2	36	american	american	ADJ
fsr-3936	2	37	market	market	NOUN
fsr-3936	2	38	:	:	PUNCT
fsr-3936	2	39	what	what	PRON
fsr-3936	2	40	every	every	DET
fsr-3936	2	41	financial	financial	ADJ
fsr-3936	2	42	planner	planner	NOUN
fsr-3936	2	43	should	should	AUX
fsr-3936	2	44	know	know	VERB
fsr-3936	2	45	,	,	PUNCT
fsr-3936	2	46	”	"	PUNCT
fsr-3936	2	47	9(4	9(4	NUM
fsr-3936	2	48	):	):	PUNCT
fsr-3936	2	49	343–359	343–359	NUM
fsr-3936	2	50	poole	poole	NOUN
fsr-3936	2	51	,	,	PUNCT
fsr-3936	2	52	barbara	barbara	NOUN
fsr-3936	2	53	,	,	PUNCT
fsr-3936	2	54	“	"	PUNCT
fsr-3936	2	55	on	on	ADP
fsr-3936	2	56	time	time	NOUN
fsr-3936	2	57	:	:	PUNCT
fsr-3936	2	58	contributions	contribution	NOUN
fsr-3936	2	59	from	from	ADP
fsr-3936	2	60	the	the	DET
fsr-3936	2	61	social	social	ADJ
fsr-3936	2	62	sciences	science	NOUN
fsr-3936	2	63	,	,	PUNCT
fsr-3936	2	64	”	"	PUNCT
fsr-3936	2	65	9(4	9(4	NUM
fsr-3936	2	66	):	):	PUNCT
fsr-3936	2	67	375–389	375–389	NUM
fsr-3936	2	68	prather	prather	NOUN
fsr-3936	2	69	,	,	PUNCT
fsr-3936	2	70	larry	larry	PROPN
fsr-3936	2	71	j.	j.	PROPN
fsr-3936	2	72	,	,	PUNCT
fsr-3936	2	73	“	"	PUNCT
fsr-3936	2	74	exploitable	exploitable	ADJ
fsr-3936	2	75	patterns	pattern	NOUN
fsr-3936	2	76	in	in	ADP
fsr-3936	2	77	retirement	retirement	NOUN
fsr-3936	2	78	annuity	annuity	NOUN
fsr-3936	2	79	returns	return	NOUN
fsr-3936	2	80	:	:	PUNCT
fsr-3936	2	81	evidence	evidence	NOUN
fsr-3936	2	82	from	from	ADP
fsr-3936	2	83	tiaa	tiaa	ADJ
fsr-3936	2	84	/	/	SYM
fsr-3936	2	85	cref	cref	NOUN
fsr-3936	2	86	,	,	PUNCT
fsr-3936	2	87	”	"	PUNCT
fsr-3936	2	88	9(3	9(3	NUM
fsr-3936	2	89	):	):	PUNCT
fsr-3936	2	90	219–231	219–231	NUM
fsr-3936	2	91	query	query	NOUN
fsr-3936	2	92	,	,	PUNCT
fsr-3936	2	93	j.	j.	PROPN
fsr-3936	2	94	tim	tim	PROPN
fsr-3936	2	95	,	,	PUNCT
fsr-3936	2	96	“	"	PUNCT
fsr-3936	2	97	an	an	DET
fsr-3936	2	98	analysis	analysis	NOUN
fsr-3936	2	99	of	of	ADP
fsr-3936	2	100	the	the	DET
fsr-3936	2	101	medical	medical	ADJ
fsr-3936	2	102	savings	saving	NOUN
fsr-3936	2	103	account	account	NOUN
fsr-3936	2	104	as	as	ADP
fsr-3936	2	105	an	an	DET
fsr-3936	2	106	alternative	alternative	ADJ
fsr-3936	2	107	retirement	retirement	NOUN
fsr-3936	2	108	savings	saving	NOUN
fsr-3936	2	109	vehicle	vehicle	NOUN
fsr-3936	2	110	,	,	PUNCT
fsr-3936	2	111	”	"	PUNCT
fsr-3936	2	112	9(1	9(1	NUM
fsr-3936	2	113	):	):	PUNCT
fsr-3936	2	114	107–123	107–123	NUM
fsr-3936	2	115	richard	richard	NOUN
fsr-3936	2	116	,	,	PUNCT
fsr-3936	2	117	john	john	PROPN
fsr-3936	2	118	e.	e.	PROPN
fsr-3936	2	119	,	,	PUNCT
fsr-3936	2	120	“	"	PUNCT
fsr-3936	2	121	the	the	DET
fsr-3936	2	122	information	information	NOUN
fsr-3936	2	123	content	content	NOUN
fsr-3936	2	124	of	of	ADP
fsr-3936	2	125	closed	close	VERB
fsr-3936	2	126	-	-	PUNCT
fsr-3936	2	127	end	end	NOUN
fsr-3936	2	128	country	country	NOUN
fsr-3936	2	129	fund	fund	NOUN
fsr-3936	2	130	discounts	discount	NOUN
fsr-3936	2	131	,	,	PUNCT
fsr-3936	2	132	”	"	PUNCT
fsr-3936	2	133	9(2	9(2	NUM
fsr-3936	2	134	):	):	PUNCT
fsr-3936	2	135	171	171	NUM
fsr-3936	2	136	–	–	SYM
fsr-3936	2	137	183	183	NUM
fsr-3936	2	138	rimbey	rimbey	NOUN
fsr-3936	2	139	,	,	PUNCT
fsr-3936	2	140	james	james	PROPN
fsr-3936	2	141	,	,	PUNCT
fsr-3936	2	142	“	"	PUNCT
fsr-3936	2	143	performance	performance	NOUN
fsr-3936	2	144	persistence	persistence	NOUN
fsr-3936	2	145	and	and	CCONJ
fsr-3936	2	146	management	management	NOUN
fsr-3936	2	147	skill	skill	NOUN
fsr-3936	2	148	in	in	ADP
fsr-3936	2	149	non	non	ADJ
fsr-3936	2	150	-	-	ADJ
fsr-3936	2	151	conventional	conventional	ADJ
fsr-3936	2	152	bond	bond	NOUN
fsr-3936	2	153	mutual	mutual	ADJ
fsr-3936	2	154	funds	fund	NOUN
fsr-3936	2	155	,	,	PUNCT
fsr-3936	2	156	”	"	PUNCT
fsr-3936	2	157	9(3	9(3	NUM
fsr-3936	2	158	):	):	PUNCT
fsr-3936	2	159	247–259	247–259	NUM
fsr-3936	2	160	rudolph	rudolph	NOUN
fsr-3936	2	161	,	,	PUNCT
fsr-3936	2	162	patricia	patricia	PROPN
fsr-3936	2	163	m.	m.	NOUN
fsr-3936	2	164	,	,	PUNCT
fsr-3936	2	165	“	"	PUNCT
fsr-3936	2	166	beliefs	belief	NOUN
fsr-3936	2	167	and	and	CCONJ
fsr-3936	2	168	actions	action	NOUN
fsr-3936	2	169	:	:	PUNCT
fsr-3936	2	170	expectations	expectation	NOUN
fsr-3936	2	171	and	and	CCONJ
fsr-3936	2	172	savings	saving	NOUN
fsr-3936	2	173	decisions	decision	NOUN
fsr-3936	2	174	by	by	ADP
fsr-3936	2	175	older	old	ADJ
fsr-3936	2	176	americans	american	NOUN
fsr-3936	2	177	,	,	PUNCT
fsr-3936	2	178	”	"	PUNCT
fsr-3936	2	179	9(1	9(1	NUM
fsr-3936	2	180	):	):	PUNCT
fsr-3936	2	181	33–47	33–47	NUM
fsr-3936	2	182	sigrist	sigrist	NOUN
fsr-3936	2	183	,	,	PUNCT
fsr-3936	2	184	kevin	kevin	PROPN
fsr-3936	2	185	w.	w.	PROPN
fsr-3936	2	186	,	,	PUNCT
fsr-3936	2	187	“	"	PUNCT
fsr-3936	2	188	design	design	VERB
fsr-3936	2	189	considerations	consideration	NOUN
fsr-3936	2	190	for	for	ADP
fsr-3936	2	191	large	large	ADJ
fsr-3936	2	192	public	public	ADJ
fsr-3936	2	193	sector	sector	NOUN
fsr-3936	2	194	defined	define	VERB
fsr-3936	2	195	contribution	contribution	NOUN
fsr-3936	2	196	plans	plan	NOUN
fsr-3936	2	197	,	,	PUNCT
fsr-3936	2	198	”	"	PUNCT
fsr-3936	2	199	9(3	9(3	NUM
fsr-3936	2	200	):	):	PUNCT
fsr-3936	2	201	197–219	197–219	NUM
fsr-3936	2	202	.	.	PUNCT
fsr-3936	3	1	stevenson	stevenson	PROPN
fsr-3936	3	2	,	,	PUNCT
fsr-3936	3	3	thomas	thomas	PROPN
fsr-3936	3	4	h.	h.	PROPN
fsr-3936	3	5	,	,	PUNCT
fsr-3936	3	6	“	"	PUNCT
fsr-3936	3	7	financial	financial	ADJ
fsr-3936	3	8	services	service	NOUN
fsr-3936	3	9	and	and	CCONJ
fsr-3936	3	10	the	the	DET
fsr-3936	3	11	african	african	ADJ
fsr-3936	3	12	-	-	PUNCT
fsr-3936	3	13	american	american	ADJ
fsr-3936	3	14	market	market	NOUN
fsr-3936	3	15	:	:	PUNCT
fsr-3936	3	16	what	what	PRON
fsr-3936	3	17	every	every	DET
fsr-3936	3	18	financial	financial	ADJ
fsr-3936	3	19	planner	planner	NOUN
fsr-3936	3	20	should	should	AUX
fsr-3936	3	21	know	know	VERB
fsr-3936	3	22	,	,	PUNCT
fsr-3936	3	23	”	"	PUNCT
fsr-3936	3	24	9(4	9(4	NUM
fsr-3936	3	25	):	):	PUNCT
fsr-3936	3	26	343–359	343–359	NUM
fsr-3936	3	27	trecartin	trecartin	NOUN
fsr-3936	3	28	,	,	PUNCT
fsr-3936	3	29	ralph	ralph	PROPN
fsr-3936	3	30	r.	r.	PROPN
fsr-3936	3	31	jr	jr	PROPN
fsr-3936	3	32	.	.	PROPN
fsr-3936	3	33	,	,	PUNCT
fsr-3936	3	34	“	"	PUNCT
fsr-3936	3	35	the	the	DET
fsr-3936	3	36	reliability	reliability	NOUN
fsr-3936	3	37	of	of	ADP
fsr-3936	3	38	the	the	DET
fsr-3936	3	39	bookto	bookto	NOUN
fsr-3936	3	40	-	-	PUNCT
fsr-3936	3	41	market	market	NOUN
fsr-3936	3	42	ratio	ratio	NOUN
fsr-3936	3	43	as	as	ADP
fsr-3936	3	44	a	a	DET
fsr-3936	3	45	risk	risk	NOUN
fsr-3936	3	46	proxy	proxy	NOUN
fsr-3936	3	47	,	,	PUNCT
fsr-3936	3	48	”	"	PUNCT
fsr-3936	3	49	9(4	9(4	NUM
fsr-3936	3	50	):	):	PUNCT
fsr-3936	3	51	361–373	361–373	NUM
fsr-3936	3	52	vanderhei	vanderhei	NOUN
fsr-3936	3	53	,	,	PUNCT
fsr-3936	3	54	jack	jack	PROPN
fsr-3936	3	55	l.	l.	PROPN
fsr-3936	3	56	,	,	PUNCT
fsr-3936	3	57	“	"	PUNCT
fsr-3936	3	58	social	social	ADJ
fsr-3936	3	59	security	security	NOUN
fsr-3936	3	60	investment	investment	NOUN
fsr-3936	3	61	accounts	account	NOUN
fsr-3936	3	62	:	:	PUNCT
fsr-3936	3	63	lessons	lesson	NOUN
fsr-3936	3	64	from	from	ADP
fsr-3936	3	65	participant	participant	ADJ
fsr-3936	3	66	-	-	PUNCT
fsr-3936	3	67	directed	direct	VERB
fsr-3936	3	68	401(k	401(k	PROPN
fsr-3936	3	69	)	)	PUNCT
fsr-3936	3	70	data	datum	NOUN
fsr-3936	3	71	,	,	PUNCT
fsr-3936	3	72	”	"	PUNCT
fsr-3936	3	73	9(1	9(1	NUM
fsr-3936	3	74	):	):	PUNCT
fsr-3936	3	75	65–79	65–79	ADV
fsr-3936	3	76	waggle	waggle	NOUN
fsr-3936	3	77	,	,	PUNCT
fsr-3936	3	78	doug	doug	NOUN
fsr-3936	3	79	,	,	PUNCT
fsr-3936	3	80	“	"	PUNCT
fsr-3936	3	81	asset	asset	NOUN
fsr-3936	3	82	allocation	allocation	NOUN
fsr-3936	3	83	decisions	decision	NOUN
fsr-3936	3	84	in	in	ADP
fsr-3936	3	85	retirement	retirement	NOUN
fsr-3936	3	86	accounts	account	NOUN
fsr-3936	3	87	:	:	PUNCT
fsr-3936	3	88	an	an	DET
fsr-3936	3	89	all	all	ADV
fsr-3936	3	90	-	-	PUNCT
fsr-3936	3	91	or	or	CCONJ
fsr-3936	3	92	-	-	PUNCT
fsr-3936	3	93	nothing	nothing	PRON
fsr-3936	3	94	proposition	proposition	NOUN
fsr-3936	3	95	?	?	PUNCT
fsr-3936	3	96	,	,	PUNCT
fsr-3936	3	97	”	"	PUNCT
fsr-3936	3	98	9(1	9(1	NUM
fsr-3936	3	99	):	):	PUNCT
fsr-3936	3	100	79–93	79–93	NUM
fsr-3936	3	101	wiggins	wiggin	NOUN
fsr-3936	3	102	,	,	PUNCT
fsr-3936	3	103	james	james	PROPN
fsr-3936	3	104	b.	b.	PROPN
fsr-3936	3	105	,	,	PUNCT
fsr-3936	3	106	“	"	PUNCT
fsr-3936	3	107	the	the	DET
fsr-3936	3	108	information	information	NOUN
fsr-3936	3	109	content	content	NOUN
fsr-3936	3	110	of	of	ADP
fsr-3936	3	111	closed	close	VERB
fsr-3936	3	112	-	-	PUNCT
fsr-3936	3	113	end	end	NOUN
fsr-3936	3	114	country	country	NOUN
fsr-3936	3	115	fund	fund	NOUN
fsr-3936	3	116	discounts	discount	NOUN
fsr-3936	3	117	,	,	PUNCT
fsr-3936	3	118	”	"	PUNCT
fsr-3936	3	119	9(2	9(2	NUM
fsr-3936	3	120	):	):	PUNCT
fsr-3936	3	121	171	171	NUM
fsr-3936	3	122	–	–	SYM
fsr-3936	3	123	183	183	NUM
fsr-3936	3	124	woerheide	woerheide	NOUN
fsr-3936	3	125	,	,	PUNCT
fsr-3936	3	126	walt	walt	NOUN
fsr-3936	3	127	,	,	PUNCT
fsr-3936	3	128	“	"	PUNCT
fsr-3936	3	129	the	the	DET
fsr-3936	3	130	impact	impact	NOUN
fsr-3936	3	131	of	of	ADP
fsr-3936	3	132	the	the	DET
fsr-3936	3	133	pension	pension	NOUN
fsr-3936	3	134	fund	fund	NOUN
fsr-3936	3	135	on	on	ADP
fsr-3936	3	136	the	the	DET
fsr-3936	3	137	decision	decision	NOUN
fsr-3936	3	138	to	to	PART
fsr-3936	3	139	work	work	VERB
fsr-3936	3	140	one	one	NUM
fsr-3936	3	141	more	more	ADJ
fsr-3936	3	142	year	year	NOUN
fsr-3936	3	143	,	,	PUNCT
fsr-3936	3	144	”	"	PUNCT
fsr-3936	3	145	9(1	9(1	NUM
fsr-3936	3	146	):	):	PUNCT
fsr-3936	3	147	17–33	17–33	PROPN
fsr-3936	3	148	yuh	yuh	PROPN
fsr-3936	3	149	,	,	PUNCT
fsr-3936	3	150	yoonkyung	yoonkyung	NOUN
fsr-3936	3	151	,	,	PUNCT
fsr-3936	3	152	“	"	PUNCT
fsr-3936	3	153	determinates	determinate	NOUN
fsr-3936	3	154	of	of	ADP
fsr-3936	3	155	planned	plan	VERB
fsr-3936	3	156	retirement	retirement	NOUN
fsr-3936	3	157	age	age	NOUN
fsr-3936	3	158	,	,	PUNCT
fsr-3936	3	159	”	"	PUNCT
fsr-3936	3	160	9(1	9(1	NUM
fsr-3936	3	161	):	):	PUNCT
fsr-3936	3	162	1–17	1–17	PROPN
fsr-3936	3	163	titles	title	NOUN
fsr-3936	3	164	“	"	PUNCT
fsr-3936	3	165	an	an	DET
fsr-3936	3	166	analysis	analysis	NOUN
fsr-3936	3	167	of	of	ADP
fsr-3936	3	168	the	the	DET
fsr-3936	3	169	medical	medical	ADJ
fsr-3936	3	170	savings	saving	NOUN
fsr-3936	3	171	account	account	NOUN
fsr-3936	3	172	as	as	ADP
fsr-3936	3	173	an	an	DET
fsr-3936	3	174	alternative	alternative	ADJ
fsr-3936	3	175	retirement	retirement	NOUN
fsr-3936	3	176	savings	saving	NOUN
fsr-3936	3	177	vehicle	vehicle	NOUN
fsr-3936	3	178	,	,	PUNCT
fsr-3936	3	179	”	"	PUNCT
fsr-3936	3	180	j.	j.	PROPN
fsr-3936	3	181	tim	tim	PROPN
fsr-3936	3	182	query	query	PROPN
fsr-3936	3	183	,	,	PUNCT
fsr-3936	3	184	9(1	9(1	NUM
fsr-3936	3	185	):	):	PUNCT
fsr-3936	3	186	107–123	107–123	NUM
fsr-3936	3	187	“	"	PUNCT
fsr-3936	3	188	asset	asset	NOUN
fsr-3936	3	189	allocation	allocation	NOUN
fsr-3936	3	190	decisions	decision	NOUN
fsr-3936	3	191	in	in	ADP
fsr-3936	3	192	retirement	retirement	NOUN
fsr-3936	3	193	accounts	account	NOUN
fsr-3936	3	194	:	:	PUNCT
fsr-3936	3	195	an	an	DET
fsr-3936	3	196	all	all	ADV
fsr-3936	3	197	-	-	PUNCT
fsr-3936	3	198	or	or	CCONJ
fsr-3936	3	199	-	-	PUNCT
fsr-3936	3	200	nothing	nothing	PRON
fsr-3936	3	201	proposition	proposition	NOUN
fsr-3936	3	202	?	?	PUNCT
fsr-3936	3	203	,	,	PUNCT
fsr-3936	3	204	”	"	PUNCT
fsr-3936	3	205	doug	doug	NOUN
fsr-3936	3	206	waggle	waggle	NOUN
fsr-3936	3	207	and	and	CCONJ
fsr-3936	3	208	basil	basil	PROPN
fsr-3936	3	209	englis	englis	PROPN
fsr-3936	3	210	,	,	PUNCT
fsr-3936	3	211	9(1	9(1	NUM
fsr-3936	3	212	):	):	PUNCT
fsr-3936	3	213	79–93	79–93	NUM
fsr-3936	3	214	406	406	NUM
fsr-3936	3	215	index	index	NOUN
fsr-3936	3	216	/	/	SYM
fsr-3936	3	217	financial	financial	ADJ
fsr-3936	3	218	services	service	NOUN
fsr-3936	3	219	review	review	VERB
fsr-3936	3	220	9	9	NUM
fsr-3936	3	221	(	(	PUNCT
fsr-3936	3	222	2000	2000	NUM
fsr-3936	3	223	)	)	PUNCT
fsr-3936	4	1	405–407	405–407	NUM
fsr-3936	4	2	“	"	PUNCT
fsr-3936	4	3	beliefs	belief	NOUN
fsr-3936	4	4	and	and	CCONJ
fsr-3936	4	5	actions	action	NOUN
fsr-3936	4	6	:	:	PUNCT
fsr-3936	4	7	expectations	expectation	NOUN
fsr-3936	4	8	and	and	CCONJ
fsr-3936	4	9	savings	saving	NOUN
fsr-3936	4	10	decisions	decision	NOUN
fsr-3936	4	11	by	by	ADP
fsr-3936	4	12	older	old	ADJ
fsr-3936	4	13	americans	american	NOUN
fsr-3936	4	14	,	,	PUNCT
fsr-3936	4	15	”	"	PUNCT
fsr-3936	4	16	harold	harold	PROPN
fsr-3936	4	17	w.	w.	PROPN
fsr-3936	4	18	elder	elder	PROPN
fsr-3936	4	19	and	and	CCONJ
fsr-3936	4	20	patricia	patricia	PROPN
fsr-3936	4	21	m.	m.	PROPN
fsr-3936	4	22	rudolph	rudolph	PROPN
fsr-3936	4	23	,	,	PUNCT
fsr-3936	4	24	9(1	9(1	NUM
fsr-3936	4	25	):	):	PUNCT
fsr-3936	4	26	33–47	33–47	NUM
fsr-3936	4	27	“	"	PUNCT
fsr-3936	4	28	consumer	consumer	NOUN
fsr-3936	4	29	information	information	NOUN
fsr-3936	4	30	search	search	NOUN
fsr-3936	4	31	for	for	ADP
fsr-3936	4	32	home	home	NOUN
fsr-3936	4	33	mortgages	mortgage	NOUN
fsr-3936	4	34	:	:	PUNCT
fsr-3936	4	35	who	who	PRON
fsr-3936	4	36	,	,	PUNCT
fsr-3936	4	37	what	what	PRON
fsr-3936	4	38	,	,	PUNCT
fsr-3936	4	39	how	how	SCONJ
fsr-3936	4	40	much	much	ADJ
fsr-3936	4	41	,	,	PUNCT
fsr-3936	4	42	and	and	CCONJ
fsr-3936	4	43	what	what	PRON
fsr-3936	4	44	else	else	ADV
fsr-3936	4	45	?	?	PUNCT
fsr-3936	4	46	,	,	PUNCT
fsr-3936	4	47	”	"	PUNCT
fsr-3936	4	48	jeanne	jeanne	PROPN
fsr-3936	4	49	m.	m.	PROPN
fsr-3936	4	50	hogarth	hogarth	NOUN
fsr-3936	4	51	and	and	CCONJ
fsr-3936	4	52	jinkook	jinkook	PROPN
fsr-3936	4	53	lee	lee	PROPN
fsr-3936	4	54	,	,	PUNCT
fsr-3936	4	55	9(3	9(3	NUM
fsr-3936	4	56	):	):	PUNCT
fsr-3936	4	57	277–293	277–293	NUM
fsr-3936	4	58	“	"	PUNCT
fsr-3936	4	59	design	design	NOUN
fsr-3936	4	60	considerations	consideration	NOUN
fsr-3936	4	61	for	for	ADP
fsr-3936	4	62	large	large	ADJ
fsr-3936	4	63	public	public	ADJ
fsr-3936	4	64	sector	sector	NOUN
fsr-3936	4	65	defined	define	VERB
fsr-3936	4	66	contribution	contribution	NOUN
fsr-3936	4	67	plans	plan	NOUN
fsr-3936	4	68	,	,	PUNCT
fsr-3936	4	69	”	"	PUNCT
fsr-3936	4	70	stewart	stewart	PROPN
fsr-3936	4	71	l.	l.	PROPN
fsr-3936	4	72	brown	brown	PROPN
fsr-3936	4	73	and	and	CCONJ
fsr-3936	4	74	kevin	kevin	PROPN
fsr-3936	4	75	w.	w.	PROPN
fsr-3936	4	76	sigrist	sigrist	PROPN
fsr-3936	4	77	,	,	PUNCT
fsr-3936	4	78	9(3	9(3	NUM
fsr-3936	4	79	):	):	PUNCT
fsr-3936	4	80	197–219	197–219	NUM
fsr-3936	4	81	“	"	PUNCT
fsr-3936	4	82	determinates	determinate	NOUN
fsr-3936	4	83	of	of	ADP
fsr-3936	4	84	planned	plan	VERB
fsr-3936	4	85	retirement	retirement	NOUN
fsr-3936	4	86	age	age	NOUN
fsr-3936	4	87	,	,	PUNCT
fsr-3936	4	88	”	"	PUNCT
fsr-3936	4	89	sherman	sherman	PROPN
fsr-3936	4	90	hanna	hanna	PROPN
fsr-3936	4	91	,	,	PUNCT
fsr-3936	4	92	catherine	catherine	PROPN
fsr-3936	4	93	phillips	phillips	PROPN
fsr-3936	4	94	montalto	montalto	PROPN
fsr-3936	4	95	and	and	CCONJ
fsr-3936	4	96	yoonkyung	yoonkyung	PROPN
fsr-3936	4	97	yuh	yuh	PROPN
fsr-3936	4	98	,	,	PUNCT
fsr-3936	4	99	9(1	9(1	NUM
fsr-3936	4	100	):	):	PUNCT
fsr-3936	4	101	1–17	1–17	NOUN
fsr-3936	4	102	“	"	PUNCT
fsr-3936	4	103	exploitable	exploitable	VERB
fsr-3936	4	104	patterns	pattern	NOUN
fsr-3936	4	105	in	in	ADP
fsr-3936	4	106	retirement	retirement	NOUN
fsr-3936	4	107	annuity	annuity	NOUN
fsr-3936	4	108	returns	return	NOUN
fsr-3936	4	109	:	:	PUNCT
fsr-3936	4	110	evidence	evidence	NOUN
fsr-3936	4	111	from	from	ADP
fsr-3936	4	112	tiaa	tiaa	ADJ
fsr-3936	4	113	/	/	SYM
fsr-3936	4	114	cref	cref	NOUN
fsr-3936	4	115	,	,	PUNCT
fsr-3936	4	116	”	"	PUNCT
fsr-3936	4	117	edward	edward	PROPN
fsr-3936	4	118	m.	m.	PROPN
fsr-3936	4	119	miller	miller	PROPN
fsr-3936	4	120	and	and	CCONJ
fsr-3936	4	121	larry	larry	PROPN
fsr-3936	4	122	j.	j.	PROPN
fsr-3936	4	123	prather	prather	PROPN
fsr-3936	4	124	,	,	PUNCT
fsr-3936	4	125	9(3	9(3	NUM
fsr-3936	4	126	):	):	PUNCT
fsr-3936	4	127	219–231	219–231	NUM
fsr-3936	4	128	“	"	PUNCT
fsr-3936	4	129	financial	financial	ADJ
fsr-3936	4	130	services	service	NOUN
fsr-3936	4	131	and	and	CCONJ
fsr-3936	4	132	the	the	DET
fsr-3936	4	133	african	african	ADJ
fsr-3936	4	134	-	-	PUNCT
fsr-3936	4	135	american	american	ADJ
fsr-3936	4	136	market	market	NOUN
fsr-3936	4	137	:	:	PUNCT
fsr-3936	4	138	what	what	PRON
fsr-3936	4	139	every	every	DET
fsr-3936	4	140	financial	financial	ADJ
fsr-3936	4	141	planner	planner	NOUN
fsr-3936	4	142	should	should	AUX
fsr-3936	4	143	know	know	VERB
fsr-3936	4	144	,	,	PUNCT
fsr-3936	4	145	”	"	PUNCT
fsr-3936	4	146	d.	d.	PROPN
fsr-3936	4	147	anthony	anthony	PROPN
fsr-3936	4	148	plath	plath	PROPN
fsr-3936	4	149	and	and	CCONJ
fsr-3936	4	150	thomas	thomas	PROPN
fsr-3936	4	151	h.	h.	PROPN
fsr-3936	4	152	stevenson	stevenson	PROPN
fsr-3936	4	153	,	,	PUNCT
fsr-3936	4	154	9(4	9(4	NUM
fsr-3936	4	155	):	):	PUNCT
fsr-3936	4	156	343–359	343–359	NUM
fsr-3936	4	157	“	"	PUNCT
fsr-3936	4	158	hedonic	hedonic	ADJ
fsr-3936	4	159	investment	investment	NOUN
fsr-3936	4	160	,	,	PUNCT
fsr-3936	4	161	”	"	PUNCT
fsr-3936	4	162	elton	elton	PROPN
fsr-3936	4	163	g.	g.	PROPN
fsr-3936	4	164	mcgoun	mcgoun	PROPN
fsr-3936	4	165	and	and	CCONJ
fsr-3936	4	166	douglas	douglas	PROPN
fsr-3936	4	167	e.	e.	PROPN
fsr-3936	4	168	allen	allen	PROPN
fsr-3936	4	169	,	,	PUNCT
fsr-3936	4	170	9(4	9(4	NUM
fsr-3936	4	171	):	):	PUNCT
fsr-3936	4	172	389–403	389–403	NUM
fsr-3936	4	173	“	"	PUNCT
fsr-3936	4	174	liquidating	liquidate	VERB
fsr-3936	4	175	a	a	DET
fsr-3936	4	176	remainder	remainder	NOUN
fsr-3936	4	177	interest	interest	NOUN
fsr-3936	4	178	:	:	PUNCT
fsr-3936	4	179	simplifying	simplify	VERB
fsr-3936	4	180	personal	personal	ADJ
fsr-3936	4	181	finance	finance	NOUN
fsr-3936	4	182	,	,	PUNCT
fsr-3936	4	183	”	"	PUNCT
fsr-3936	4	184	john	john	PROPN
fsr-3936	4	185	c.	c.	PROPN
fsr-3936	4	186	bost	bost	PROPN
fsr-3936	4	187	and	and	CCONJ
fsr-3936	4	188	tony	tony	ADJ
fsr-3936	4	189	cherin	cherin	NOUN
fsr-3936	4	190	,	,	PUNCT
fsr-3936	4	191	9(2	9(2	NUM
fsr-3936	4	192	):	):	PUNCT
fsr-3936	4	193	183–195	183–195	NUM
fsr-3936	4	194	“	"	PUNCT
fsr-3936	4	195	market	market	NOUN
fsr-3936	4	196	timing	timing	NOUN
fsr-3936	4	197	using	use	VERB
fsr-3936	4	198	strategists	strategist	NOUN
fsr-3936	4	199	’	'	PUNCT
fsr-3936	4	200	and	and	CCONJ
fsr-3936	4	201	analysts	analyst	NOUN
fsr-3936	4	202	’	’	PART
fsr-3936	4	203	forecasts	forecast	NOUN
fsr-3936	4	204	of	of	ADP
fsr-3936	4	205	s&p	s&p	PROPN
fsr-3936	4	206	500	500	NUM
fsr-3936	4	207	earnings	earning	NOUN
fsr-3936	4	208	per	per	ADP
fsr-3936	4	209	share	share	NOUN
fsr-3936	4	210	,	,	PUNCT
fsr-3936	4	211	”	"	PUNCT
fsr-3936	4	212	lawrence	lawrence	PROPN
fsr-3936	4	213	kryzanowski	kryzanowski	PROPN
fsr-3936	4	214	and	and	CCONJ
fsr-3936	4	215	richard	richard	PROPN
fsr-3936	4	216	chung	chung	PROPN
fsr-3936	4	217	,	,	PUNCT
fsr-3936	4	218	9(2	9(2	NUM
fsr-3936	4	219	):	):	PUNCT
fsr-3936	4	220	125	125	NUM
fsr-3936	4	221	–	–	SYM
fsr-3936	4	222	145	145	NUM
fsr-3936	4	223	“	"	PUNCT
fsr-3936	4	224	on	on	ADP
fsr-3936	4	225	time	time	NOUN
fsr-3936	4	226	:	:	PUNCT
fsr-3936	4	227	contributions	contribution	NOUN
fsr-3936	4	228	from	from	ADP
fsr-3936	4	229	the	the	DET
fsr-3936	4	230	social	social	ADJ
fsr-3936	4	231	sciences	science	NOUN
fsr-3936	4	232	,	,	PUNCT
fsr-3936	4	233	”	"	PUNCT
fsr-3936	4	234	barbara	barbara	PROPN
fsr-3936	4	235	poole	poole	PROPN
fsr-3936	4	236	,	,	PUNCT
fsr-3936	4	237	9(4	9(4	NUM
fsr-3936	4	238	):	):	PUNCT
fsr-3936	4	239	375–387	375–387	NUM
fsr-3936	4	240	“	"	PUNCT
fsr-3936	4	241	performance	performance	NOUN
fsr-3936	4	242	persistence	persistence	NOUN
fsr-3936	4	243	and	and	CCONJ
fsr-3936	4	244	management	management	NOUN
fsr-3936	4	245	skill	skill	NOUN
fsr-3936	4	246	in	in	ADP
fsr-3936	4	247	non	non	ADJ
fsr-3936	4	248	-	-	ADJ
fsr-3936	4	249	conventional	conventional	ADJ
fsr-3936	4	250	bond	bond	NOUN
fsr-3936	4	251	mutual	mutual	ADJ
fsr-3936	4	252	funds	fund	NOUN
fsr-3936	4	253	,	,	PUNCT
fsr-3936	4	254	”	"	PUNCT
fsr-3936	4	255	douglas	douglas	PROPN
fsr-3936	4	256	hearth	hearth	PROPN
fsr-3936	4	257	,	,	PUNCT
fsr-3936	4	258	james	james	PROPN
fsr-3936	4	259	rimbey	rimbey	PROPN
fsr-3936	4	260	,	,	PUNCT
fsr-3936	4	261	and	and	CCONJ
fsr-3936	4	262	james	james	PROPN
fsr-3936	4	263	philpot	philpot	PROPN
fsr-3936	4	264	,	,	PUNCT
fsr-3936	4	265	9(3	9(3	NUM
fsr-3936	4	266	):	):	PUNCT
fsr-3936	4	267	247–259	247–259	NUM
fsr-3936	4	268	“	"	PUNCT
fsr-3936	4	269	retirement	retirement	NOUN
fsr-3936	4	270	planning	planning	NOUN
fsr-3936	4	271	guidelines	guideline	NOUN
fsr-3936	4	272	:	:	PUNCT
fsr-3936	4	273	a	a	DET
fsr-3936	4	274	delphi	delphi	ADJ
fsr-3936	4	275	study	study	NOUN
fsr-3936	4	276	of	of	ADP
fsr-3936	4	277	financial	financial	ADJ
fsr-3936	4	278	planners	planner	NOUN
fsr-3936	4	279	and	and	CCONJ
fsr-3936	4	280	educators	educator	NOUN
fsr-3936	4	281	,	,	PUNCT
fsr-3936	4	282	”	"	PUNCT
fsr-3936	4	283	karrol	karrol	PROPN
fsr-3936	4	284	a.	a.	PROPN
fsr-3936	4	285	kitt	kitt	PROPN
fsr-3936	4	286	,	,	PUNCT
fsr-3936	4	287	sue	sue	PROPN
fsr-3936	4	288	alexander	alexander	NOUN
fsr-3936	4	289	greninger	greninger	PROPN
fsr-3936	4	290	,	,	PUNCT
fsr-3936	4	291	susan	susan	PROPN
fsr-3936	4	292	jacquet	jacquet	PROPN
fsr-3936	4	293	,	,	PUNCT
fsr-3936	4	294	and	and	CCONJ
fsr-3936	4	295	vickie	vickie	PROPN
fsr-3936	4	296	l.	l.	PROPN
fsr-3936	4	297	hampton	hampton	PROPN
fsr-3936	4	298	,	,	PUNCT
fsr-3936	4	299	9(3	9(3	NUM
fsr-3936	4	300	):	):	PUNCT
fsr-3936	4	301	231–247	231–247	NUM
fsr-3936	4	302	“	"	PUNCT
fsr-3936	4	303	risk	risk	NOUN
fsr-3936	4	304	tolerance	tolerance	NOUN
fsr-3936	4	305	and	and	CCONJ
fsr-3936	4	306	asset	asset	NOUN
fsr-3936	4	307	allocation	allocation	NOUN
fsr-3936	4	308	for	for	ADP
fsr-3936	4	309	investors	investor	NOUN
fsr-3936	4	310	nearing	near	VERB
fsr-3936	4	311	retirement	retirement	NOUN
fsr-3936	4	312	,	,	PUNCT
fsr-3936	4	313	”	"	PUNCT
fsr-3936	4	314	dale	dale	PROPN
fsr-3936	4	315	domian	domian	PROPN
fsr-3936	4	316	,	,	PUNCT
fsr-3936	4	317	govind	govind	PROPN
fsr-3936	4	318	l.	l.	PROPN
fsr-3936	4	319	hariharan	hariharan	PROPN
fsr-3936	4	320	,	,	PUNCT
fsr-3936	4	321	and	and	CCONJ
fsr-3936	4	322	kenneth	kenneth	PROPN
fsr-3936	4	323	s.	s.	PROPN
fsr-3936	4	324	chapman	chapman	PROPN
fsr-3936	4	325	,	,	PUNCT
fsr-3936	4	326	9(2	9(2	NUM
fsr-3936	4	327	):	):	PUNCT
fsr-3936	4	328	159	159	NUM
fsr-3936	4	329	–	–	SYM
fsr-3936	4	330	171	171	NUM
fsr-3936	4	331	“	"	PUNCT
fsr-3936	4	332	social	social	ADJ
fsr-3936	4	333	security	security	NOUN
fsr-3936	4	334	investment	investment	NOUN
fsr-3936	4	335	accounts	account	NOUN
fsr-3936	4	336	:	:	PUNCT
fsr-3936	4	337	lessons	lesson	NOUN
fsr-3936	4	338	from	from	ADP
fsr-3936	4	339	participant	participant	NOUN
fsr-3936	4	340	-	-	PUNCT
fsr-3936	4	341	directed	direct	VERB
fsr-3936	4	342	401	401	NUM
fsr-3936	4	343	(	(	PUNCT
fsr-3936	4	344	k	k	NOUN
fsr-3936	4	345	)	)	PUNCT
fsr-3936	4	346	data	datum	NOUN
fsr-3936	4	347	,	,	PUNCT
fsr-3936	4	348	”	"	PUNCT
fsr-3936	4	349	kelly	kelly	PROPN
fsr-3936	4	350	olsen	olsen	PROPN
fsr-3936	4	351	and	and	CCONJ
fsr-3936	4	352	jack	jack	PROPN
fsr-3936	4	353	l.	l.	PROPN
fsr-3936	4	354	vanderhei	vanderhei	PROPN
fsr-3936	4	355	,	,	PUNCT
fsr-3936	4	356	9(1	9(1	NUM
fsr-3936	4	357	):	):	PUNCT
fsr-3936	4	358	65–79	65–79	ADV
fsr-3936	4	359	“	"	PUNCT
fsr-3936	4	360	social	social	ADJ
fsr-3936	4	361	security	security	NOUN
fsr-3936	4	362	reform	reform	NOUN
fsr-3936	4	363	:	:	PUNCT
fsr-3936	4	364	the	the	DET
fsr-3936	4	365	effect	effect	NOUN
fsr-3936	4	366	of	of	ADP
fsr-3936	4	367	investing	invest	VERB
fsr-3936	4	368	in	in	ADP
fsr-3936	4	369	equities	equity	NOUN
fsr-3936	4	370	,	,	PUNCT
fsr-3936	4	371	”	"	PUNCT
fsr-3936	4	372	erick	erick	PROPN
fsr-3936	4	373	elder	elder	NOUN
fsr-3936	4	374	and	and	CCONJ
fsr-3936	4	375	larry	larry	PROPN
fsr-3936	4	376	holland	holland	PROPN
fsr-3936	4	377	,	,	PUNCT
fsr-3936	4	378	9(1	9(1	NUM
fsr-3936	4	379	):	):	PUNCT
fsr-3936	4	380	93–107	93–107	NUM
fsr-3936	4	381	“	"	PUNCT
fsr-3936	4	382	stock	stock	NOUN
fsr-3936	4	383	selection	selection	NOUN
fsr-3936	4	384	based	base	VERB
fsr-3936	4	385	on	on	ADP
fsr-3936	4	386	morningstar	morningstar	PROPN
fsr-3936	4	387	’s	’s	PART
fsr-3936	4	388	ten	ten	NUM
fsr-3936	4	389	-	-	PUNCT
fsr-3936	4	390	year	year	NOUN
fsr-3936	4	391	,	,	PUNCT
fsr-3936	4	392	five	five	NUM
fsr-3936	4	393	-	-	PUNCT
fsr-3936	4	394	star	star	NOUN
fsr-3936	4	395	general	general	PROPN
fsr-3936	4	396	equity	equity	PROPN
fsr-3936	4	397	mutual	mutual	ADJ
fsr-3936	4	398	funds	fund	NOUN
fsr-3936	4	399	,	,	PUNCT
fsr-3936	4	400	”	"	PUNCT
fsr-3936	4	401	w.	w.	PROPN
fsr-3936	4	402	john	john	PROPN
fsr-3936	4	403	jordan	jordan	PROPN
fsr-3936	4	404	and	and	CCONJ
fsr-3936	4	405	anthony	anthony	PROPN
fsr-3936	4	406	l.	l.	PROPN
fsr-3936	4	407	loviscek	loviscek	PROPN
fsr-3936	4	408	,	,	PUNCT
fsr-3936	4	409	9(2	9(2	NUM
fsr-3936	4	410	):	):	PUNCT
fsr-3936	4	411	145–159	145–159	NUM
fsr-3936	4	412	“	"	PUNCT
fsr-3936	4	413	strategic	strategic	ADJ
fsr-3936	4	414	asset	asset	NOUN
fsr-3936	4	415	allocation	allocation	NOUN
fsr-3936	4	416	for	for	ADP
fsr-3936	4	417	individual	individual	ADJ
fsr-3936	4	418	investors	investor	NOUN
fsr-3936	4	419	:	:	PUNCT
fsr-3936	4	420	the	the	DET
fsr-3936	4	421	impact	impact	NOUN
fsr-3936	4	422	of	of	ADP
fsr-3936	4	423	the	the	DET
fsr-3936	4	424	present	present	ADJ
fsr-3936	4	425	value	value	NOUN
fsr-3936	4	426	of	of	ADP
fsr-3936	4	427	social	social	ADJ
fsr-3936	4	428	security	security	NOUN
fsr-3936	4	429	benefits	benefit	NOUN
fsr-3936	4	430	,	,	PUNCT
fsr-3936	4	431	”	"	PUNCT
fsr-3936	4	432	david	david	PROPN
fsr-3936	4	433	r.	r.	PROPN
fsr-3936	4	434	king	king	PROPN
fsr-3936	4	435	,	,	PUNCT
fsr-3936	4	436	steven	steven	PROPN
fsr-3936	4	437	p.	p.	PROPN
fsr-3936	4	438	fraser	fraser	PROPN
fsr-3936	4	439	,	,	PUNCT
fsr-3936	4	440	william	william	PROPN
fsr-3936	4	441	w.	w.	PROPN
fsr-3936	4	442	jennings	jennings	PROPN
fsr-3936	4	443	,	,	PUNCT
fsr-3936	4	444	9(4	9(4	NUM
fsr-3936	4	445	):	):	PUNCT
fsr-3936	4	446	295–326	295–326	NUM
fsr-3936	4	447	“	"	PUNCT
fsr-3936	4	448	the	the	DET
fsr-3936	4	449	asset	asset	NOUN
fsr-3936	4	450	allocation	allocation	NOUN
fsr-3936	4	451	decision	decision	NOUN
fsr-3936	4	452	in	in	ADP
fsr-3936	4	453	retirement	retirement	NOUN
fsr-3936	4	454	:	:	PUNCT
fsr-3936	4	455	lessons	lesson	NOUN
fsr-3936	4	456	from	from	ADP
fsr-3936	4	457	dollar	dollar	NOUN
fsr-3936	4	458	cost	cost	NOUN
fsr-3936	4	459	averaging	averaging	NOUN
fsr-3936	4	460	,	,	PUNCT
fsr-3936	4	461	”	"	PUNCT
fsr-3936	4	462	john	john	PROPN
fsr-3936	4	463	d.	d.	PROPN
fsr-3936	4	464	mcginnis	mcginnis	PROPN
fsr-3936	4	465	and	and	CCONJ
fsr-3936	4	466	premal	premal	PROPN
fsr-3936	4	467	p.	p.	PROPN
fsr-3936	4	468	vora	vora	PROPN
fsr-3936	4	469	,	,	PUNCT
fsr-3936	4	470	9(1	9(1	NUM
fsr-3936	4	471	):	):	PUNCT
fsr-3936	4	472	47–65	47–65	NUM
fsr-3936	4	473	“	"	PUNCT
fsr-3936	4	474	the	the	DET
fsr-3936	4	475	effect	effect	NOUN
fsr-3936	4	476	of	of	ADP
fsr-3936	4	477	country	country	NOUN
fsr-3936	4	478	-	-	PUNCT
fsr-3936	4	479	specific	specific	ADJ
fsr-3936	4	480	index	index	NOUN
fsr-3936	4	481	trading	trading	NOUN
fsr-3936	4	482	on	on	ADP
fsr-3936	4	483	closed	close	VERB
fsr-3936	4	484	-	-	PUNCT
fsr-3936	4	485	end	end	NOUN
fsr-3936	4	486	country	country	NOUN
fsr-3936	4	487	funds	fund	NOUN
fsr-3936	4	488	:	:	PUNCT
fsr-3936	4	489	an	an	DET
fsr-3936	4	490	empirical	empirical	ADJ
fsr-3936	4	491	analysis	analysis	NOUN
fsr-3936	4	492	,	,	PUNCT
fsr-3936	4	493	”	"	PUNCT
fsr-3936	4	494	matthew	matthew	PROPN
fsr-3936	4	495	o’connor	o’connor	PROPN
fsr-3936	4	496	and	and	CCONJ
fsr-3936	4	497	edward	edward	PROPN
fsr-3936	4	498	a.	a.	PROPN
fsr-3936	4	499	downe	downe	PROPN
fsr-3936	4	500	,	,	PUNCT
fsr-3936	4	501	9(3	9(3	NUM
fsr-3936	4	502	):	):	PUNCT
fsr-3936	4	503	259–277	259–277	NUM
fsr-3936	4	504	“	"	PUNCT
fsr-3936	4	505	the	the	DET
fsr-3936	4	506	equity	equity	NOUN
fsr-3936	4	507	index	index	NOUN
fsr-3936	4	508	annuity	annuity	NOUN
fsr-3936	4	509	:	:	PUNCT
fsr-3936	4	510	an	an	DET
fsr-3936	4	511	examination	examination	NOUN
fsr-3936	4	512	of	of	ADP
fsr-3936	4	513	performance	performance	NOUN
fsr-3936	4	514	and	and	CCONJ
fsr-3936	4	515	regulatory	regulatory	ADJ
fsr-3936	4	516	concerns	concern	NOUN
fsr-3936	4	517	,	,	PUNCT
fsr-3936	4	518	”	"	PUNCT
fsr-3936	4	519	gregory	gregory	PROPN
fsr-3936	4	520	a.	a.	PROPN
fsr-3936	4	521	kuhlemeyer	kuhlemeyer	PROPN
fsr-3936	4	522	,	,	PUNCT
fsr-3936	4	523	9(4	9(4	NUM
fsr-3936	4	524	):	):	PUNCT
fsr-3936	4	525	327–342	327–342	NUM
fsr-3936	4	526	“	"	PUNCT
fsr-3936	4	527	the	the	DET
fsr-3936	4	528	impact	impact	NOUN
fsr-3936	4	529	of	of	ADP
fsr-3936	4	530	the	the	DET
fsr-3936	4	531	pension	pension	NOUN
fsr-3936	4	532	fund	fund	NOUN
fsr-3936	4	533	on	on	ADP
fsr-3936	4	534	the	the	DET
fsr-3936	4	535	decision	decision	NOUN
fsr-3936	4	536	to	to	PART
fsr-3936	4	537	work	work	VERB
fsr-3936	4	538	one	one	NUM
fsr-3936	4	539	more	more	ADJ
fsr-3936	4	540	year	year	NOUN
fsr-3936	4	541	,	,	PUNCT
fsr-3936	4	542	”	"	PUNCT
fsr-3936	4	543	walt	walt	PROPN
fsr-3936	4	544	woerheide	woerheide	PROPN
fsr-3936	4	545	,	,	PUNCT
fsr-3936	4	546	9(1	9(1	NUM
fsr-3936	4	547	):	):	PUNCT
fsr-3936	4	548	17–33	17–33	NUM
fsr-3936	4	549	“	"	PUNCT
fsr-3936	4	550	the	the	DET
fsr-3936	4	551	information	information	NOUN
fsr-3936	4	552	content	content	NOUN
fsr-3936	4	553	of	of	ADP
fsr-3936	4	554	closed	close	VERB
fsr-3936	4	555	-	-	PUNCT
fsr-3936	4	556	end	end	NOUN
fsr-3936	4	557	country	country	NOUN
fsr-3936	4	558	fund	fund	NOUN
fsr-3936	4	559	discounts	discount	NOUN
fsr-3936	4	560	,	,	PUNCT
fsr-3936	4	561	”	"	PUNCT
fsr-3936	4	562	james	james	PROPN
fsr-3936	4	563	b.	b.	PROPN
fsr-3936	4	564	wiggins	wiggins	PROPN
fsr-3936	4	565	and	and	CCONJ
fsr-3936	4	566	john	john	PROPN
fsr-3936	4	567	e.	e.	PROPN
fsr-3936	4	568	richard	richard	PROPN
fsr-3936	4	569	,	,	PUNCT
fsr-3936	4	570	9(2	9(2	NUM
fsr-3936	4	571	):	):	PUNCT
fsr-3936	4	572	171–183	171–183	NUM
fsr-3936	4	573	“	"	PUNCT
fsr-3936	4	574	the	the	DET
fsr-3936	4	575	reliability	reliability	NOUN
fsr-3936	4	576	of	of	ADP
fsr-3936	4	577	the	the	DET
fsr-3936	4	578	book	book	NOUN
fsr-3936	4	579	-	-	PUNCT
fsr-3936	4	580	to	to	ADP
fsr-3936	4	581	-	-	PUNCT
fsr-3936	4	582	market	market	NOUN
fsr-3936	4	583	ratio	ratio	NOUN
fsr-3936	4	584	as	as	ADP
fsr-3936	4	585	a	a	DET
fsr-3936	4	586	risk	risk	NOUN
fsr-3936	4	587	proxy	proxy	NOUN
fsr-3936	4	588	,	,	PUNCT
fsr-3936	4	589	”	"	PUNCT
fsr-3936	4	590	ralph	ralph	PROPN
fsr-3936	4	591	r.	r.	PROPN
fsr-3936	4	592	trecartin	trecartin	PROPN
fsr-3936	4	593	,	,	PUNCT
fsr-3936	4	594	jr	jr	PROPN
fsr-3936	4	595	.	.	PROPN
fsr-3936	4	596	,	,	PUNCT
fsr-3936	4	597	9(4	9(4	NUM
fsr-3936	4	598	):	):	PUNCT
fsr-3936	4	599	361	361	NUM
fsr-3936	4	600	–	–	PUNCT
fsr-3936	4	601	373	373	NUM
fsr-3936	4	602	407index	407index	PROPN
fsr-3936	4	603	/	/	SYM
fsr-3936	4	604	financial	financial	ADJ
fsr-3936	4	605	services	service	NOUN
fsr-3936	4	606	review	review	VERB
fsr-3936	4	607	9	9	NUM
fsr-3936	4	608	(	(	PUNCT
fsr-3936	4	609	2000	2000	NUM
fsr-3936	4	610	)	)	PUNCT
fsr-3936	5	1	405–407	405–407	NUM