id	keyword
fsr-3358	savings
fsr-3358	financial
fsr-3358	investors
fsr-3358	investment
fsr-3358	time
fsr-3358	wealth
fsr-3358	dataset
fsr-3358	research
fsr-3358	portfolio
fsr-3358	cluster
fsr-3358	rates
fsr-3358	canada
fsr-3358	clustering
fsr-3358	returns
fsr-3358	accumulation
fsr-3358	risk
fsr-3358	income
fsr-3358	retirement
fsr-3358	impact
fsr-3358	canadian
fsr-3358	journal