id	sid	tid	token	lemma	pos
fbem-12939	1	1	frontiers	frontier	NOUN
fbem-12939	1	2	in	in	ADP
fbem-12939	1	3	business	business	NOUN
fbem-12939	1	4	,	,	PUNCT
fbem-12939	1	5	economics	economic	NOUN
fbem-12939	1	6	and	and	CCONJ
fbem-12939	1	7	management	management	NOUN
fbem-12939	1	8	issn	issn	PROPN
fbem-12939	1	9	:	:	PUNCT
fbem-12939	1	10	2766	2766	NUM
fbem-12939	1	11	-	-	PUNCT
fbem-12939	1	12	824x	824x	NUM
fbem-12939	1	13	|	|	ADJ
fbem-12939	1	14	vol	vol	NOUN
fbem-12939	1	15	.	.	PUNCT
fbem-12939	2	1	11	11	NUM
fbem-12939	2	2	,	,	PUNCT
fbem-12939	2	3	no	no	INTJ
fbem-12939	2	4	.	.	NOUN
fbem-12939	2	5	3	3	NUM
fbem-12939	2	6	,	,	PUNCT
fbem-12939	3	1	2023	2023	NUM
fbem-12939	3	2	17	17	NUM
fbem-12939	3	3	differential	differential	ADJ
fbem-12939	3	4	analysis	analysis	NOUN
fbem-12939	3	5	of	of	ADP
fbem-12939	3	6	demographic	demographic	ADJ
fbem-12939	3	7	factors	factor	NOUN
fbem-12939	3	8	on	on	ADP
fbem-12939	3	9	performance	performance	NOUN
fbem-12939	3	10	of	of	ADP
fbem-12939	3	11	household	household	NOUN
fbem-12939	3	12	financial	financial	ADJ
fbem-12939	3	13	asset	asset	NOUN
fbem-12939	3	14	allocation	allocation	NOUN
fbem-12939	3	15	in	in	ADP
fbem-12939	3	16	china	china	PROPN
fbem-12939	3	17	zhiyuan	zhiyuan	PROPN
fbem-12939	3	18	luo1	luo1	PROPN
fbem-12939	3	19	,	,	PUNCT
fbem-12939	3	20	2	2	NUM
fbem-12939	3	21	,	,	PUNCT
fbem-12939	3	22	a	a	PRON
fbem-12939	3	23	,	,	PUNCT
fbem-12939	3	24	s.	s.	PROPN
fbem-12939	3	25	m.	m.	PROPN
fbem-12939	3	26	ferdous	ferdous	PROPN
fbem-12939	3	27	azam1	azam1	PROPN
fbem-12939	3	28	,	,	PUNCT
fbem-12939	3	29	b	b	PROPN
fbem-12939	3	30	,	,	PUNCT
fbem-12939	3	31	*	*	ADJ
fbem-12939	3	32	,	,	PUNCT
fbem-12939	3	33	laixi	laixi	PROPN
fbem-12939	3	34	wang2	wang2	PROPN
fbem-12939	3	35	,	,	PUNCT
fbem-12939	3	36	c	c	PROPN
fbem-12939	3	37	1graduate	1graduate	NUM
fbem-12939	3	38	school	school	NOUN
fbem-12939	3	39	of	of	ADP
fbem-12939	3	40	management	management	NOUN
fbem-12939	3	41	,	,	PUNCT
fbem-12939	3	42	management	management	NOUN
fbem-12939	3	43	and	and	CCONJ
fbem-12939	3	44	science	science	NOUN
fbem-12939	3	45	university	university	PROPN
fbem-12939	3	46	,	,	PUNCT
fbem-12939	3	47	shah	shah	PROPN
fbem-12939	3	48	alam	alam	PROPN
fbem-12939	3	49	40100	40100	NUM
fbem-12939	3	50	,	,	PUNCT
fbem-12939	3	51	malaysia	malaysia	PROPN
fbem-12939	3	52	2school	2school	NUM
fbem-12939	3	53	of	of	ADP
fbem-12939	3	54	economics	economic	NOUN
fbem-12939	3	55	and	and	CCONJ
fbem-12939	3	56	trade	trade	PROPN
fbem-12939	3	57	,	,	PUNCT
fbem-12939	3	58	henan	henan	PROPN
fbem-12939	3	59	university	university	PROPN
fbem-12939	3	60	of	of	ADP
fbem-12939	3	61	technology	technology	PROPN
fbem-12939	3	62	,	,	PUNCT
fbem-12939	3	63	zhengzhou	zhengzhou	PROPN
fbem-12939	3	64	450001	450001	NUM
fbem-12939	3	65	,	,	PUNCT
fbem-12939	3	66	china	china	PROPN
fbem-12939	3	67	aemail	aemail	NOUN
fbem-12939	3	68	:	:	PUNCT
fbem-12939	3	69	012021090919@gsm.msu.edu.my	012021090919@gsm.msu.edu.my	NUM
fbem-12939	3	70	,	,	PUNCT
fbem-12939	3	71	bcorresponding	bcorresponding	NOUN
fbem-12939	3	72	author	author	NOUN
fbem-12939	3	73	email	email	NOUN
fbem-12939	3	74	:	:	PUNCT
fbem-12939	3	75	drferdous@msu.edu.my	drferdous@msu.edu.my	NOUN
fbem-12939	3	76	,	,	PUNCT
fbem-12939	3	77	cemail	cemail	NOUN
fbem-12939	3	78	:	:	PUNCT
fbem-12939	3	79	wanglaixi2068@126.com	wanglaixi2068@126.com	X
fbem-12939	3	80	abstract	abstract	NOUN
fbem-12939	3	81	:	:	PUNCT
fbem-12939	3	82	the	the	DET
fbem-12939	3	83	growth	growth	NOUN
fbem-12939	3	84	of	of	ADP
fbem-12939	3	85	private	private	ADJ
fbem-12939	3	86	wealth	wealth	NOUN
fbem-12939	3	87	in	in	ADP
fbem-12939	3	88	chinese	chinese	ADJ
fbem-12939	3	89	households	household	NOUN
fbem-12939	3	90	has	have	AUX
fbem-12939	3	91	improved	improve	VERB
fbem-12939	3	92	the	the	DET
fbem-12939	3	93	demand	demand	NOUN
fbem-12939	3	94	for	for	ADP
fbem-12939	3	95	financial	financial	ADJ
fbem-12939	3	96	asset	asset	NOUN
fbem-12939	3	97	allocation	allocation	NOUN
fbem-12939	3	98	,	,	PUNCT
fbem-12939	3	99	and	and	CCONJ
fbem-12939	3	100	the	the	DET
fbem-12939	3	101	performance	performance	NOUN
fbem-12939	3	102	derived	derive	VERB
fbem-12939	3	103	from	from	ADP
fbem-12939	3	104	such	such	ADJ
fbem-12939	3	105	allocation	allocation	NOUN
fbem-12939	3	106	can	can	AUX
fbem-12939	3	107	enhance	enhance	VERB
fbem-12939	3	108	the	the	DET
fbem-12939	3	109	overall	overall	ADJ
fbem-12939	3	110	financial	financial	ADJ
fbem-12939	3	111	well	well	NOUN
fbem-12939	3	112	-	-	PUNCT
fbem-12939	3	113	being	being	NOUN
fbem-12939	3	114	of	of	ADP
fbem-12939	3	115	families	family	NOUN
fbem-12939	3	116	.	.	PUNCT
fbem-12939	4	1	in	in	ADP
fbem-12939	4	2	social	social	ADJ
fbem-12939	4	3	sciences	science	NOUN
fbem-12939	4	4	and	and	CCONJ
fbem-12939	4	5	policy	policy	NOUN
fbem-12939	4	6	-	-	PUNCT
fbem-12939	4	7	making	making	NOUN
fbem-12939	4	8	,	,	PUNCT
fbem-12939	4	9	demographic	demographic	ADJ
fbem-12939	4	10	factors	factor	NOUN
fbem-12939	4	11	analysis	analysis	NOUN
fbem-12939	4	12	holds	hold	VERB
fbem-12939	4	13	significant	significant	ADJ
fbem-12939	4	14	importance	importance	NOUN
fbem-12939	4	15	.	.	PUNCT
fbem-12939	5	1	existing	exist	VERB
fbem-12939	5	2	studies	study	NOUN
fbem-12939	5	3	have	have	AUX
fbem-12939	5	4	explored	explore	VERB
fbem-12939	5	5	its	its	PRON
fbem-12939	5	6	direct	direct	ADJ
fbem-12939	5	7	correlation	correlation	NOUN
fbem-12939	5	8	with	with	ADP
fbem-12939	5	9	household	household	NOUN
fbem-12939	5	10	financial	financial	ADJ
fbem-12939	5	11	asset	asset	NOUN
fbem-12939	5	12	allocation	allocation	NOUN
fbem-12939	5	13	.	.	PUNCT
fbem-12939	6	1	this	this	DET
fbem-12939	6	2	study	study	NOUN
fbem-12939	6	3	employed	employ	VERB
fbem-12939	6	4	independent	independent	ADJ
fbem-12939	6	5	sample	sample	NOUN
fbem-12939	6	6	t	t	PROPN
fbem-12939	6	7	-	-	PUNCT
fbem-12939	6	8	test	test	NOUN
fbem-12939	6	9	and	and	CCONJ
fbem-12939	6	10	welch	welch	NOUN
fbem-12939	6	11	analysis	analysis	NOUN
fbem-12939	6	12	of	of	ADP
fbem-12939	6	13	variance	variance	NOUN
fbem-12939	6	14	(	(	PUNCT
fbem-12939	6	15	anova	anova	PROPN
fbem-12939	6	16	)	)	PUNCT
fbem-12939	6	17	to	to	PART
fbem-12939	6	18	further	far	ADV
fbem-12939	6	19	investigate	investigate	VERB
fbem-12939	6	20	the	the	DET
fbem-12939	6	21	differential	differential	ADJ
fbem-12939	6	22	impact	impact	NOUN
fbem-12939	6	23	of	of	ADP
fbem-12939	6	24	demographic	demographic	ADJ
fbem-12939	6	25	variables	variable	NOUN
fbem-12939	6	26	on	on	ADP
fbem-12939	6	27	the	the	DET
fbem-12939	6	28	performance	performance	NOUN
fbem-12939	6	29	of	of	ADP
fbem-12939	6	30	household	household	NOUN
fbem-12939	6	31	financial	financial	ADJ
fbem-12939	6	32	asset	asset	NOUN
fbem-12939	6	33	allocation	allocation	NOUN
fbem-12939	6	34	.	.	PUNCT
fbem-12939	7	1	the	the	DET
fbem-12939	7	2	primary	primary	ADJ
fbem-12939	7	3	data	datum	NOUN
fbem-12939	7	4	used	use	VERB
fbem-12939	7	5	in	in	ADP
fbem-12939	7	6	this	this	DET
fbem-12939	7	7	study	study	NOUN
fbem-12939	7	8	were	be	AUX
fbem-12939	7	9	collected	collect	VERB
fbem-12939	7	10	from	from	ADP
fbem-12939	7	11	questionnaires	questionnaire	NOUN
fbem-12939	7	12	in	in	ADP
fbem-12939	7	13	19	19	NUM
fbem-12939	7	14	first	first	ADJ
fbem-12939	7	15	-	-	PUNCT
fbem-12939	7	16	tier	tier	NOUN
fbem-12939	7	17	cities	city	NOUN
fbem-12939	7	18	in	in	ADP
fbem-12939	7	19	china	china	PROPN
fbem-12939	7	20	.	.	PUNCT
fbem-12939	8	1	the	the	DET
fbem-12939	8	2	results	result	NOUN
fbem-12939	8	3	indicate	indicate	VERB
fbem-12939	8	4	that	that	SCONJ
fbem-12939	8	5	there	there	PRON
fbem-12939	8	6	is	be	VERB
fbem-12939	8	7	no	no	DET
fbem-12939	8	8	significant	significant	ADJ
fbem-12939	8	9	difference	difference	NOUN
fbem-12939	8	10	in	in	ADP
fbem-12939	8	11	the	the	DET
fbem-12939	8	12	impact	impact	NOUN
fbem-12939	8	13	of	of	ADP
fbem-12939	8	14	different	different	ADJ
fbem-12939	8	15	age	age	NOUN
fbem-12939	8	16	and	and	CCONJ
fbem-12939	8	17	household	household	NOUN
fbem-12939	8	18	size	size	NOUN
fbem-12939	8	19	groups	group	NOUN
fbem-12939	8	20	on	on	ADP
fbem-12939	8	21	the	the	DET
fbem-12939	8	22	performance	performance	NOUN
fbem-12939	8	23	of	of	ADP
fbem-12939	8	24	household	household	NOUN
fbem-12939	8	25	financial	financial	ADJ
fbem-12939	8	26	asset	asset	NOUN
fbem-12939	8	27	allocation	allocation	NOUN
fbem-12939	8	28	.	.	PUNCT
fbem-12939	9	1	other	other	ADJ
fbem-12939	9	2	demographic	demographic	ADJ
fbem-12939	9	3	factors	factor	NOUN
fbem-12939	9	4	such	such	ADJ
fbem-12939	9	5	as	as	ADP
fbem-12939	9	6	gender	gender	NOUN
fbem-12939	9	7	,	,	PUNCT
fbem-12939	9	8	marital	marital	ADJ
fbem-12939	9	9	status	status	NOUN
fbem-12939	9	10	,	,	PUNCT
fbem-12939	9	11	education	education	NOUN
fbem-12939	9	12	level	level	NOUN
fbem-12939	9	13	,	,	PUNCT
fbem-12939	9	14	and	and	CCONJ
fbem-12939	9	15	income	income	NOUN
fbem-12939	9	16	show	show	VERB
fbem-12939	9	17	significant	significant	ADJ
fbem-12939	9	18	variability	variability	NOUN
fbem-12939	9	19	in	in	ADP
fbem-12939	9	20	household	household	NOUN
fbem-12939	9	21	financial	financial	ADJ
fbem-12939	9	22	asset	asset	NOUN
fbem-12939	9	23	allocation	allocation	NOUN
fbem-12939	9	24	performance	performance	NOUN
fbem-12939	9	25	.	.	PUNCT
fbem-12939	10	1	this	this	DET
fbem-12939	10	2	finding	finding	NOUN
fbem-12939	10	3	provides	provide	VERB
fbem-12939	10	4	valuable	valuable	ADJ
fbem-12939	10	5	insights	insight	NOUN
fbem-12939	10	6	for	for	ADP
fbem-12939	10	7	policymakers	policymaker	NOUN
fbem-12939	10	8	,	,	PUNCT
fbem-12939	10	9	financial	financial	ADJ
fbem-12939	10	10	institutions	institution	NOUN
fbem-12939	10	11	,	,	PUNCT
fbem-12939	10	12	and	and	CCONJ
fbem-12939	10	13	investors	investor	NOUN
fbem-12939	10	14	to	to	PART
fbem-12939	10	15	improve	improve	VERB
fbem-12939	10	16	financial	financial	ADJ
fbem-12939	10	17	well	well	NOUN
fbem-12939	10	18	-	-	PUNCT
fbem-12939	10	19	being	being	NOUN
fbem-12939	10	20	for	for	ADP
fbem-12939	10	21	families	family	NOUN
fbem-12939	10	22	and	and	CCONJ
fbem-12939	10	23	society	society	NOUN
fbem-12939	10	24	.	.	PUNCT
fbem-12939	11	1	keywords	keyword	NOUN
fbem-12939	11	2	:	:	PUNCT
fbem-12939	11	3	demographic	demographic	ADJ
fbem-12939	11	4	factors	factor	NOUN
fbem-12939	11	5	,	,	PUNCT
fbem-12939	11	6	performance	performance	NOUN
fbem-12939	11	7	of	of	ADP
fbem-12939	11	8	household	household	NOUN
fbem-12939	11	9	financial	financial	ADJ
fbem-12939	11	10	asset	asset	NOUN
fbem-12939	11	11	allocation	allocation	NOUN
fbem-12939	11	12	,	,	PUNCT
fbem-12939	11	13	differential	differential	ADJ
fbem-12939	11	14	analysis	analysis	NOUN
fbem-12939	11	15	.	.	PUNCT
fbem-12939	12	1	1	1	X
fbem-12939	12	2	.	.	X
fbem-12939	12	3	introduction	introduction	NOUN
fbem-12939	12	4	the	the	DET
fbem-12939	12	5	growth	growth	NOUN
fbem-12939	12	6	of	of	ADP
fbem-12939	12	7	household	household	NOUN
fbem-12939	12	8	income	income	NOUN
fbem-12939	12	9	in	in	ADP
fbem-12939	12	10	china	china	PROPN
fbem-12939	12	11	has	have	AUX
fbem-12939	12	12	stimulated	stimulate	VERB
fbem-12939	12	13	a	a	DET
fbem-12939	12	14	strong	strong	ADJ
fbem-12939	12	15	desire	desire	NOUN
fbem-12939	12	16	for	for	ADP
fbem-12939	12	17	financial	financial	ADJ
fbem-12939	12	18	asset	asset	NOUN
fbem-12939	12	19	allocation	allocation	NOUN
fbem-12939	12	20	.	.	PUNCT
fbem-12939	13	1	according	accord	VERB
fbem-12939	13	2	to	to	ADP
fbem-12939	13	3	data	datum	NOUN
fbem-12939	13	4	released	release	VERB
fbem-12939	13	5	by	by	ADP
fbem-12939	13	6	china	china	PROPN
fbem-12939	13	7	's	's	PART
fbem-12939	13	8	national	national	PROPN
fbem-12939	13	9	statistics	statistics	PROPN
fbem-12939	13	10	agency	agency	PROPN
fbem-12939	13	11	,	,	PUNCT
fbem-12939	13	12	from	from	ADP
fbem-12939	13	13	1978	1978	NUM
fbem-12939	13	14	to	to	ADP
fbem-12939	13	15	2022	2022	NUM
fbem-12939	13	16	,	,	PUNCT
fbem-12939	13	17	the	the	DET
fbem-12939	13	18	per	per	ADP
fbem-12939	13	19	capita	capita	X
fbem-12939	13	20	disposable	disposable	ADJ
fbem-12939	13	21	income	income	NOUN
fbem-12939	13	22	of	of	ADP
fbem-12939	13	23	households	household	NOUN
fbem-12939	13	24	increased	increase	VERB
fbem-12939	13	25	by	by	ADP
fbem-12939	13	26	216	216	NUM
fbem-12939	13	27	times	time	NOUN
fbem-12939	13	28	,	,	PUNCT
fbem-12939	13	29	while	while	SCONJ
fbem-12939	13	30	the	the	DET
fbem-12939	13	31	engel	engel	PROPN
fbem-12939	13	32	coefficient	coefficient	PROPN
fbem-12939	13	33	gradually	gradually	ADV
fbem-12939	13	34	declined	decline	VERB
fbem-12939	13	35	from	from	ADP
fbem-12939	13	36	63.9	63.9	NUM
fbem-12939	13	37	%	%	NOUN
fbem-12939	13	38	in	in	ADP
fbem-12939	13	39	1978	1978	NUM
fbem-12939	13	40	to	to	ADP
fbem-12939	13	41	30.5	30.5	NUM
fbem-12939	13	42	%	%	NOUN
fbem-12939	13	43	in	in	ADP
fbem-12939	13	44	2022	2022	NUM
fbem-12939	13	45	over	over	ADP
fbem-12939	13	46	the	the	DET
fbem-12939	13	47	same	same	ADJ
fbem-12939	13	48	period	period	NOUN
fbem-12939	13	49	.	.	PUNCT
fbem-12939	14	1	the	the	DET
fbem-12939	14	2	continuously	continuously	ADV
fbem-12939	14	3	growing	grow	VERB
fbem-12939	14	4	surplus	surplus	NOUN
fbem-12939	14	5	of	of	ADP
fbem-12939	14	6	investable	investable	ADJ
fbem-12939	14	7	income	income	NOUN
fbem-12939	14	8	has	have	AUX
fbem-12939	14	9	led	lead	VERB
fbem-12939	14	10	more	more	ADJ
fbem-12939	14	11	households	household	NOUN
fbem-12939	14	12	to	to	PART
fbem-12939	14	13	participate	participate	VERB
fbem-12939	14	14	in	in	ADP
fbem-12939	14	15	financial	financial	ADJ
fbem-12939	14	16	asset	asset	NOUN
fbem-12939	14	17	allocation	allocation	NOUN
fbem-12939	14	18	.	.	PUNCT
fbem-12939	15	1	the	the	DET
fbem-12939	15	2	performance	performance	NOUN
fbem-12939	15	3	of	of	ADP
fbem-12939	15	4	household	household	NOUN
fbem-12939	15	5	financial	financial	ADJ
fbem-12939	15	6	asset	asset	NOUN
fbem-12939	15	7	allocation	allocation	NOUN
fbem-12939	15	8	(	(	PUNCT
fbem-12939	15	9	phfaa	phfaa	NOUN
fbem-12939	15	10	)	)	PUNCT
fbem-12939	15	11	serves	serve	VERB
fbem-12939	15	12	as	as	ADP
fbem-12939	15	13	a	a	DET
fbem-12939	15	14	measurement	measurement	NOUN
fbem-12939	15	15	for	for	ADP
fbem-12939	15	16	evaluating	evaluate	VERB
fbem-12939	15	17	the	the	DET
fbem-12939	15	18	effectiveness	effectiveness	NOUN
fbem-12939	15	19	of	of	ADP
fbem-12939	15	20	investment	investment	NOUN
fbem-12939	15	21	decisions	decision	NOUN
fbem-12939	15	22	,	,	PUNCT
fbem-12939	15	23	as	as	ADV
fbem-12939	15	24	well	well	ADV
fbem-12939	15	25	as	as	ADP
fbem-12939	15	26	the	the	DET
fbem-12939	15	27	outcomes	outcome	NOUN
fbem-12939	15	28	of	of	ADP
fbem-12939	15	29	financial	financial	ADJ
fbem-12939	15	30	asset	asset	NOUN
fbem-12939	15	31	allocation	allocation	NOUN
fbem-12939	15	32	(	(	PUNCT
fbem-12939	15	33	gomes	gome	NOUN
fbem-12939	15	34	et	et	PROPN
fbem-12939	15	35	al	al	PROPN
fbem-12939	15	36	.	.	PROPN
fbem-12939	15	37	,	,	PUNCT
fbem-12939	15	38	2021	2021	NUM
fbem-12939	15	39	)	)	PUNCT
fbem-12939	15	40	.	.	PUNCT
fbem-12939	16	1	household	household	NOUN
fbem-12939	16	2	financial	financial	ADJ
fbem-12939	16	3	asset	asset	NOUN
fbem-12939	16	4	allocation	allocation	NOUN
fbem-12939	16	5	performance	performance	NOUN
fbem-12939	16	6	is	be	AUX
fbem-12939	16	7	closely	closely	ADV
fbem-12939	16	8	related	relate	VERB
fbem-12939	16	9	to	to	ADP
fbem-12939	16	10	household	household	NOUN
fbem-12939	16	11	financial	financial	ADJ
fbem-12939	16	12	well	well	ADV
fbem-12939	16	13	-	-	PUNCT
fbem-12939	16	14	being	being	NOUN
fbem-12939	16	15	.	.	PUNCT
fbem-12939	17	1	by	by	ADP
fbem-12939	17	2	choosing	choose	VERB
fbem-12939	17	3	the	the	DET
fbem-12939	17	4	right	right	ADJ
fbem-12939	17	5	mix	mix	NOUN
fbem-12939	17	6	,	,	PUNCT
fbem-12939	17	7	households	household	NOUN
fbem-12939	17	8	can	can	AUX
fbem-12939	17	9	potentially	potentially	ADV
fbem-12939	17	10	earn	earn	VERB
fbem-12939	17	11	higher	high	ADJ
fbem-12939	17	12	returns	return	NOUN
fbem-12939	17	13	on	on	ADP
fbem-12939	17	14	their	their	PRON
fbem-12939	17	15	investments	investment	NOUN
fbem-12939	17	16	,	,	PUNCT
fbem-12939	17	17	leading	lead	VERB
fbem-12939	17	18	to	to	ADP
fbem-12939	17	19	wealth	wealth	NOUN
fbem-12939	17	20	accumulation	accumulation	NOUN
fbem-12939	17	21	over	over	ADP
fbem-12939	17	22	time	time	NOUN
fbem-12939	17	23	(	(	PUNCT
fbem-12939	17	24	fan	fan	NOUN
fbem-12939	17	25	&	&	CCONJ
fbem-12939	17	26	henager	henager	NOUN
fbem-12939	17	27	,	,	PUNCT
fbem-12939	17	28	2022	2022	NUM
fbem-12939	17	29	)	)	PUNCT
fbem-12939	17	30	.	.	PUNCT
fbem-12939	18	1	therefore	therefore	ADV
fbem-12939	18	2	,	,	PUNCT
fbem-12939	18	3	the	the	DET
fbem-12939	18	4	significance	significance	NOUN
fbem-12939	18	5	of	of	ADP
fbem-12939	18	6	household	household	NOUN
fbem-12939	18	7	financial	financial	ADJ
fbem-12939	18	8	asset	asset	NOUN
fbem-12939	18	9	allocation	allocation	NOUN
fbem-12939	18	10	lies	lie	VERB
fbem-12939	18	11	in	in	ADP
fbem-12939	18	12	its	its	PRON
fbem-12939	18	13	ability	ability	NOUN
fbem-12939	18	14	to	to	PART
fbem-12939	18	15	help	help	VERB
fbem-12939	18	16	households	household	NOUN
fbem-12939	18	17	grow	grow	VERB
fbem-12939	18	18	wealth	wealth	NOUN
fbem-12939	18	19	,	,	PUNCT
fbem-12939	18	20	manage	manage	VERB
fbem-12939	18	21	risks	risk	NOUN
fbem-12939	18	22	,	,	PUNCT
fbem-12939	18	23	provide	provide	VERB
fbem-12939	18	24	financial	financial	ADJ
fbem-12939	18	25	security	security	NOUN
fbem-12939	18	26	,	,	PUNCT
fbem-12939	18	27	generate	generate	VERB
fbem-12939	18	28	income	income	NOUN
fbem-12939	18	29	,	,	PUNCT
fbem-12939	18	30	plan	plan	NOUN
fbem-12939	18	31	for	for	ADP
fbem-12939	18	32	retirement	retirement	NOUN
fbem-12939	18	33	,	,	PUNCT
fbem-12939	18	34	achieve	achieve	VERB
fbem-12939	18	35	longterm	longterm	ADJ
fbem-12939	18	36	goals	goal	NOUN
fbem-12939	18	37	,	,	PUNCT
fbem-12939	18	38	and	and	CCONJ
fbem-12939	18	39	enhance	enhance	VERB
fbem-12939	18	40	overall	overall	ADJ
fbem-12939	18	41	well	well	ADV
fbem-12939	18	42	-	-	PUNCT
fbem-12939	18	43	being	being	NOUN
fbem-12939	18	44	.	.	PUNCT
fbem-12939	19	1	analyzing	analyze	VERB
fbem-12939	19	2	data	datum	NOUN
fbem-12939	19	3	from	from	ADP
fbem-12939	19	4	the	the	DET
fbem-12939	19	5	perspective	perspective	NOUN
fbem-12939	19	6	of	of	ADP
fbem-12939	19	7	demographic	demographic	ADJ
fbem-12939	19	8	factors	factor	NOUN
fbem-12939	19	9	is	be	AUX
fbem-12939	19	10	critical	critical	ADJ
fbem-12939	19	11	for	for	ADP
fbem-12939	19	12	understanding	understand	VERB
fbem-12939	19	13	a	a	DET
fbem-12939	19	14	wide	wide	ADJ
fbem-12939	19	15	range	range	NOUN
fbem-12939	19	16	of	of	ADP
fbem-12939	19	17	social	social	ADJ
fbem-12939	19	18	and	and	CCONJ
fbem-12939	19	19	economic	economic	ADJ
fbem-12939	19	20	phenomena	phenomenon	NOUN
fbem-12939	19	21	(	(	PUNCT
fbem-12939	19	22	prakash	prakash	PROPN
fbem-12939	19	23	et	et	PROPN
fbem-12939	19	24	al	al	PROPN
fbem-12939	19	25	.	.	PROPN
fbem-12939	19	26	,	,	PUNCT
fbem-12939	19	27	2022	2022	NUM
fbem-12939	19	28	)	)	PUNCT
fbem-12939	19	29	.	.	PUNCT
fbem-12939	20	1	demographic	demographic	ADJ
fbem-12939	20	2	factors	factor	NOUN
fbem-12939	20	3	,	,	PUNCT
fbem-12939	20	4	which	which	PRON
fbem-12939	20	5	include	include	VERB
fbem-12939	20	6	characteristics	characteristic	NOUN
fbem-12939	20	7	such	such	ADJ
fbem-12939	20	8	as	as	ADP
fbem-12939	20	9	age	age	NOUN
fbem-12939	20	10	,	,	PUNCT
fbem-12939	20	11	gender	gender	NOUN
fbem-12939	20	12	,	,	PUNCT
fbem-12939	20	13	education	education	NOUN
fbem-12939	20	14	,	,	PUNCT
fbem-12939	20	15	marital	marital	ADJ
fbem-12939	20	16	status	status	NOUN
fbem-12939	20	17	,	,	PUNCT
fbem-12939	20	18	family	family	NOUN
fbem-12939	20	19	size	size	NOUN
fbem-12939	20	20	,	,	PUNCT
fbem-12939	20	21	and	and	CCONJ
fbem-12939	20	22	income	income	NOUN
fbem-12939	20	23	,	,	PUNCT
fbem-12939	20	24	play	play	VERB
fbem-12939	20	25	a	a	DET
fbem-12939	20	26	crucial	crucial	ADJ
fbem-12939	20	27	role	role	NOUN
fbem-12939	20	28	in	in	ADP
fbem-12939	20	29	various	various	ADJ
fbem-12939	20	30	aspects	aspect	NOUN
fbem-12939	20	31	of	of	ADP
fbem-12939	20	32	social	social	ADJ
fbem-12939	20	33	science	science	NOUN
fbem-12939	20	34	.	.	PUNCT
fbem-12939	21	1	most	most	ADJ
fbem-12939	21	2	studies	study	NOUN
fbem-12939	21	3	have	have	AUX
fbem-12939	21	4	explored	explore	VERB
fbem-12939	21	5	the	the	DET
fbem-12939	21	6	direct	direct	ADJ
fbem-12939	21	7	relationship	relationship	NOUN
fbem-12939	21	8	between	between	ADP
fbem-12939	21	9	demographic	demographic	ADJ
fbem-12939	21	10	factors	factor	NOUN
fbem-12939	21	11	and	and	CCONJ
fbem-12939	21	12	household	household	NOUN
fbem-12939	21	13	financial	financial	ADJ
fbem-12939	21	14	asset	asset	NOUN
fbem-12939	21	15	allocation	allocation	NOUN
fbem-12939	21	16	(	(	PUNCT
fbem-12939	21	17	wang	wang	PROPN
fbem-12939	21	18	et	et	PROPN
fbem-12939	21	19	al	al	PROPN
fbem-12939	21	20	.	.	PROPN
fbem-12939	21	21	,	,	PUNCT
fbem-12939	21	22	2019	2019	NUM
fbem-12939	21	23	;	;	PUNCT
fbem-12939	21	24	wu	wu	PROPN
fbem-12939	21	25	et	et	PROPN
fbem-12939	21	26	al	al	PROPN
fbem-12939	21	27	.	.	PROPN
fbem-12939	21	28	,	,	PUNCT
fbem-12939	21	29	2021	2021	NUM
fbem-12939	21	30	)	)	PUNCT
fbem-12939	21	31	.	.	PUNCT
fbem-12939	22	1	however	however	ADV
fbem-12939	22	2	,	,	PUNCT
fbem-12939	22	3	lusardi	lusardi	PROPN
fbem-12939	22	4	and	and	CCONJ
fbem-12939	22	5	mitchell	mitchell	PROPN
fbem-12939	22	6	(	(	PUNCT
fbem-12939	22	7	2014	2014	NUM
fbem-12939	22	8	)	)	PUNCT
fbem-12939	22	9	further	far	ADV
fbem-12939	22	10	argued	argue	VERB
fbem-12939	22	11	that	that	SCONJ
fbem-12939	22	12	due	due	ADP
fbem-12939	22	13	to	to	ADP
fbem-12939	22	14	the	the	DET
fbem-12939	22	15	heterogeneity	heterogeneity	NOUN
fbem-12939	22	16	of	of	ADP
fbem-12939	22	17	households	household	NOUN
fbem-12939	22	18	,	,	PUNCT
fbem-12939	22	19	studies	study	NOUN
fbem-12939	22	20	targeting	target	VERB
fbem-12939	22	21	specific	specific	ADJ
fbem-12939	22	22	groups	group	NOUN
fbem-12939	22	23	may	may	AUX
fbem-12939	22	24	be	be	AUX
fbem-12939	22	25	more	more	ADV
fbem-12939	22	26	effective	effective	ADJ
fbem-12939	22	27	.	.	PUNCT
fbem-12939	23	1	therefore	therefore	ADV
fbem-12939	23	2	,	,	PUNCT
fbem-12939	23	3	this	this	DET
fbem-12939	23	4	study	study	NOUN
fbem-12939	23	5	further	far	ADV
fbem-12939	23	6	conducts	conduct	VERB
fbem-12939	23	7	differential	differential	VERB
fbem-12939	23	8	analysis	analysis	NOUN
fbem-12939	23	9	of	of	ADP
fbem-12939	23	10	demographic	demographic	ADJ
fbem-12939	23	11	factors	factor	NOUN
fbem-12939	23	12	on	on	ADP
fbem-12939	23	13	the	the	DET
fbem-12939	23	14	performance	performance	NOUN
fbem-12939	23	15	of	of	ADP
fbem-12939	23	16	household	household	NOUN
fbem-12939	23	17	financial	financial	ADJ
fbem-12939	23	18	asset	asset	NOUN
fbem-12939	23	19	allocation	allocation	NOUN
fbem-12939	23	20	in	in	ADP
fbem-12939	23	21	china	china	PROPN
fbem-12939	23	22	.	.	PUNCT
fbem-12939	24	1	the	the	DET
fbem-12939	24	2	contribution	contribution	NOUN
fbem-12939	24	3	of	of	ADP
fbem-12939	24	4	this	this	DET
fbem-12939	24	5	study	study	NOUN
fbem-12939	24	6	not	not	PART
fbem-12939	24	7	only	only	ADV
fbem-12939	24	8	fills	fill	VERB
fbem-12939	24	9	the	the	DET
fbem-12939	24	10	research	research	NOUN
fbem-12939	24	11	gap	gap	NOUN
fbem-12939	24	12	in	in	ADP
fbem-12939	24	13	this	this	DET
fbem-12939	24	14	area	area	NOUN
fbem-12939	24	15	but	but	CCONJ
fbem-12939	24	16	also	also	ADV
fbem-12939	24	17	provides	provide	VERB
fbem-12939	24	18	valuable	valuable	ADJ
fbem-12939	24	19	insights	insight	NOUN
fbem-12939	24	20	for	for	ADP
fbem-12939	24	21	policymakers	policymaker	NOUN
fbem-12939	24	22	,	,	PUNCT
fbem-12939	24	23	financial	financial	ADJ
fbem-12939	24	24	institutions	institution	NOUN
fbem-12939	24	25	,	,	PUNCT
fbem-12939	24	26	and	and	CCONJ
fbem-12939	24	27	investors	investor	NOUN
fbem-12939	24	28	by	by	ADP
fbem-12939	24	29	delving	delve	VERB
fbem-12939	24	30	into	into	ADP
fbem-12939	24	31	the	the	DET
fbem-12939	24	32	differential	differential	ADJ
fbem-12939	24	33	impact	impact	NOUN
fbem-12939	24	34	of	of	ADP
fbem-12939	24	35	demographic	demographic	ADJ
fbem-12939	24	36	variables	variable	NOUN
fbem-12939	24	37	on	on	ADP
fbem-12939	24	38	phfaa	phfaa	NOUN
fbem-12939	24	39	.	.	PUNCT
fbem-12939	25	1	such	such	ADJ
fbem-12939	25	2	insights	insight	NOUN
fbem-12939	25	3	are	be	AUX
fbem-12939	25	4	instrumental	instrumental	ADJ
fbem-12939	25	5	in	in	ADP
fbem-12939	25	6	shaping	shape	VERB
fbem-12939	25	7	targeted	target	VERB
fbem-12939	25	8	financial	financial	ADJ
fbem-12939	25	9	policies	policy	NOUN
fbem-12939	25	10	,	,	PUNCT
fbem-12939	25	11	enhancing	enhance	VERB
fbem-12939	25	12	financial	financial	ADJ
fbem-12939	25	13	literacy	literacy	NOUN
fbem-12939	25	14	programs	program	NOUN
fbem-12939	25	15	,	,	PUNCT
fbem-12939	25	16	and	and	CCONJ
fbem-12939	25	17	optimizing	optimize	VERB
fbem-12939	25	18	investment	investment	NOUN
fbem-12939	25	19	strategies	strategy	NOUN
fbem-12939	25	20	tailored	tailor	VERB
fbem-12939	25	21	to	to	PART
fbem-12939	25	22	diverse	diverse	VERB
fbem-12939	25	23	demographic	demographic	ADJ
fbem-12939	25	24	groups	group	NOUN
fbem-12939	25	25	.	.	PUNCT
fbem-12939	26	1	the	the	DET
fbem-12939	26	2	remaining	remain	VERB
fbem-12939	26	3	sections	section	NOUN
fbem-12939	26	4	of	of	ADP
fbem-12939	26	5	this	this	DET
fbem-12939	26	6	study	study	NOUN
fbem-12939	26	7	are	be	AUX
fbem-12939	26	8	structured	structure	VERB
fbem-12939	26	9	as	as	SCONJ
fbem-12939	26	10	follows	follow	VERB
fbem-12939	26	11	.	.	PUNCT
fbem-12939	27	1	section	section	NOUN
fbem-12939	27	2	2	2	NUM
fbem-12939	27	3	presents	present	VERB
fbem-12939	27	4	comprehensive	comprehensive	ADJ
fbem-12939	27	5	literature	literature	NOUN
fbem-12939	27	6	review	review	NOUN
fbem-12939	27	7	and	and	CCONJ
fbem-12939	27	8	hypotheses	hypothese	VERB
fbem-12939	27	9	development	development	NOUN
fbem-12939	27	10	.	.	PUNCT
fbem-12939	28	1	section	section	NOUN
fbem-12939	28	2	3	3	NUM
fbem-12939	28	3	outlines	outline	VERB
fbem-12939	28	4	the	the	DET
fbem-12939	28	5	research	research	NOUN
fbem-12939	28	6	methodology	methodology	NOUN
fbem-12939	28	7	employed	employ	VERB
fbem-12939	28	8	,	,	PUNCT
fbem-12939	28	9	followed	follow	VERB
fbem-12939	28	10	by	by	ADP
fbem-12939	28	11	a	a	DET
fbem-12939	28	12	main	main	ADJ
fbem-12939	28	13	findings	finding	NOUN
fbem-12939	28	14	in	in	ADP
fbem-12939	28	15	section	section	NOUN
fbem-12939	28	16	4	4	NUM
fbem-12939	28	17	.	.	PUNCT
fbem-12939	29	1	finally	finally	ADV
fbem-12939	29	2	,	,	PUNCT
fbem-12939	29	3	section	section	NOUN
fbem-12939	29	4	5	5	NUM
fbem-12939	29	5	offers	offer	VERB
fbem-12939	29	6	the	the	DET
fbem-12939	29	7	conclusion	conclusion	NOUN
fbem-12939	29	8	of	of	ADP
fbem-12939	29	9	the	the	DET
fbem-12939	29	10	study	study	NOUN
fbem-12939	29	11	.	.	PUNCT
fbem-12939	30	1	2	2	X
fbem-12939	30	2	.	.	X
fbem-12939	30	3	literature	literature	NOUN
fbem-12939	30	4	review	review	PROPN
fbem-12939	30	5	and	and	CCONJ
fbem-12939	30	6	research	research	NOUN
fbem-12939	30	7	hypothesis	hypothesis	NOUN
fbem-12939	30	8	the	the	DET
fbem-12939	30	9	performance	performance	NOUN
fbem-12939	30	10	of	of	ADP
fbem-12939	30	11	household	household	NOUN
fbem-12939	30	12	financial	financial	ADJ
fbem-12939	30	13	asset	asset	NOUN
fbem-12939	30	14	allocation	allocation	NOUN
fbem-12939	30	15	refers	refer	VERB
fbem-12939	30	16	to	to	ADP
fbem-12939	30	17	how	how	SCONJ
fbem-12939	30	18	well	well	ADV
fbem-12939	30	19	a	a	DET
fbem-12939	30	20	household	household	NOUN
fbem-12939	30	21	's	's	PART
fbem-12939	30	22	investment	investment	NOUN
fbem-12939	30	23	portfolio	portfolio	NOUN
fbem-12939	30	24	has	have	AUX
fbem-12939	30	25	performed	perform	VERB
fbem-12939	30	26	over	over	ADP
fbem-12939	30	27	a	a	DET
fbem-12939	30	28	specific	specific	ADJ
fbem-12939	30	29	period	period	NOUN
fbem-12939	30	30	of	of	ADP
fbem-12939	30	31	time	time	NOUN
fbem-12939	30	32	.	.	PUNCT
fbem-12939	31	1	it	it	PRON
fbem-12939	31	2	is	be	AUX
fbem-12939	31	3	a	a	DET
fbem-12939	31	4	measure	measure	NOUN
fbem-12939	31	5	of	of	ADP
fbem-12939	31	6	how	how	SCONJ
fbem-12939	31	7	effectively	effectively	ADV
fbem-12939	31	8	the	the	DET
fbem-12939	31	9	household	household	NOUN
fbem-12939	31	10	has	have	AUX
fbem-12939	31	11	allocated	allocate	VERB
fbem-12939	31	12	its	its	PRON
fbem-12939	31	13	financial	financial	ADJ
fbem-12939	31	14	resources	resource	NOUN
fbem-12939	31	15	among	among	ADP
fbem-12939	31	16	different	different	ADJ
fbem-12939	31	17	asset	asset	NOUN
fbem-12939	31	18	classes	class	NOUN
fbem-12939	31	19	,	,	PUNCT
fbem-12939	31	20	such	such	ADJ
fbem-12939	31	21	as	as	ADP
fbem-12939	31	22	stocks	stock	NOUN
fbem-12939	31	23	,	,	PUNCT
fbem-12939	31	24	bonds	bond	NOUN
fbem-12939	31	25	,	,	PUNCT
fbem-12939	31	26	real	real	ADJ
fbem-12939	31	27	estate	estate	NOUN
fbem-12939	31	28	,	,	PUNCT
fbem-12939	31	29	and	and	CCONJ
fbem-12939	31	30	cash	cash	NOUN
fbem-12939	31	31	,	,	PUNCT
fbem-12939	31	32	with	with	ADP
fbem-12939	31	33	the	the	DET
fbem-12939	31	34	goal	goal	NOUN
fbem-12939	31	35	of	of	ADP
fbem-12939	31	36	achieving	achieve	VERB
fbem-12939	31	37	a	a	DET
fbem-12939	31	38	balance	balance	NOUN
fbem-12939	31	39	between	between	ADP
fbem-12939	31	40	risk	risk	NOUN
fbem-12939	31	41	and	and	CCONJ
fbem-12939	31	42	return	return	NOUN
fbem-12939	31	43	based	base	VERB
fbem-12939	31	44	on	on	ADP
fbem-12939	31	45	the	the	DET
fbem-12939	31	46	household	household	NOUN
fbem-12939	31	47	's	's	PART
fbem-12939	31	48	financial	financial	ADJ
fbem-12939	31	49	objectives	objective	NOUN
fbem-12939	31	50	and	and	CCONJ
fbem-12939	31	51	risk	risk	NOUN
fbem-12939	31	52	tolerance	tolerance	NOUN
fbem-12939	31	53	(	(	PUNCT
fbem-12939	31	54	gomes	gome	NOUN
fbem-12939	31	55	et	et	PROPN
fbem-12939	31	56	al	al	PROPN
fbem-12939	31	57	.	.	PROPN
fbem-12939	31	58	,	,	PUNCT
fbem-12939	31	59	2021	2021	NUM
fbem-12939	31	60	)	)	PUNCT
fbem-12939	31	61	.	.	PUNCT
fbem-12939	32	1	portfolio	portfolio	NOUN
fbem-12939	32	2	performance	performance	NOUN
fbem-12939	32	3	is	be	AUX
fbem-12939	32	4	typically	typically	ADV
fbem-12939	32	5	measured	measure	VERB
fbem-12939	32	6	by	by	ADP
fbem-12939	32	7	the	the	DET
fbem-12939	32	8	rate	rate	NOUN
fbem-12939	32	9	of	of	ADP
fbem-12939	32	10	return	return	NOUN
fbem-12939	32	11	.	.	PUNCT
fbem-12939	33	1	a	a	DET
fbem-12939	33	2	high	high	ADJ
fbem-12939	33	3	rate	rate	NOUN
fbem-12939	33	4	of	of	ADP
fbem-12939	33	5	return	return	NOUN
fbem-12939	33	6	at	at	ADP
fbem-12939	33	7	a	a	DET
fbem-12939	33	8	certain	certain	ADJ
fbem-12939	33	9	level	level	NOUN
fbem-12939	33	10	of	of	ADP
fbem-12939	33	11	risk	risk	NOUN
fbem-12939	33	12	signifies	signify	VERB
fbem-12939	33	13	good	good	ADJ
fbem-12939	33	14	asset	asset	NOUN
fbem-12939	33	15	allocation	allocation	NOUN
fbem-12939	33	16	performance	performance	NOUN
fbem-12939	33	17	.	.	PUNCT
fbem-12939	34	1	furthermore	furthermore	ADV
fbem-12939	34	2	,	,	PUNCT
fbem-12939	34	3	maintaining	maintain	VERB
fbem-12939	34	4	an	an	DET
fbem-12939	34	5	adequate	adequate	ADJ
fbem-12939	34	6	reserve	reserve	NOUN
fbem-12939	34	7	of	of	ADP
fbem-12939	34	8	liquid	liquid	ADJ
fbem-12939	34	9	assets	asset	NOUN
fbem-12939	34	10	is	be	AUX
fbem-12939	34	11	crucial	crucial	ADJ
fbem-12939	34	12	for	for	SCONJ
fbem-12939	34	13	households	household	NOUN
fbem-12939	34	14	to	to	PART
fbem-12939	34	15	cope	cope	VERB
fbem-12939	34	16	with	with	ADP
fbem-12939	34	17	financial	financial	ADJ
fbem-12939	34	18	crises	crisis	NOUN
fbem-12939	34	19	and	and	CCONJ
fbem-12939	34	20	enhance	enhance	VERB
fbem-12939	34	21	financial	financial	ADJ
fbem-12939	34	22	resilience	resilience	NOUN
fbem-12939	34	23	(	(	PUNCT
fbem-12939	34	24	lytton	lytton	PROPN
fbem-12939	34	25	et	et	PROPN
fbem-12939	34	26	al	al	PROPN
fbem-12939	34	27	.	.	PROPN
fbem-12939	34	28	,	,	PUNCT
fbem-12939	34	29	2013	2013	NUM
fbem-12939	34	30	)	)	PUNCT
fbem-12939	34	31	.	.	PUNCT
fbem-12939	35	1	risky	risky	ADJ
fbem-12939	35	2	financial	financial	ADJ
fbem-12939	35	3	assets	asset	NOUN
fbem-12939	35	4	usually	usually	ADV
fbem-12939	35	5	include	include	VERB
fbem-12939	35	6	stocks	stock	NOUN
fbem-12939	35	7	,	,	PUNCT
fbem-12939	35	8	funds	fund	NOUN
fbem-12939	35	9	,	,	PUNCT
fbem-12939	35	10	and	and	CCONJ
fbem-12939	35	11	futures	future	NOUN
fbem-12939	35	12	.	.	PUNCT
fbem-12939	36	1	the	the	DET
fbem-12939	36	2	quantity	quantity	NOUN
fbem-12939	36	3	and	and	CCONJ
fbem-12939	36	4	proportion	proportion	NOUN
fbem-12939	36	5	of	of	ADP
fbem-12939	36	6	these	these	DET
fbem-12939	36	7	financial	financial	ADJ
fbem-12939	36	8	assets	asset	NOUN
fbem-12939	36	9	in	in	ADP
fbem-12939	36	10	the	the	DET
fbem-12939	36	11	portfolio	portfolio	NOUN
fbem-12939	36	12	reflect	reflect	VERB
fbem-12939	36	13	the	the	DET
fbem-12939	36	14	level	level	NOUN
fbem-12939	36	15	of	of	ADP
fbem-12939	36	16	risk	risk	NOUN
fbem-12939	36	17	that	that	SCONJ
fbem-12939	36	18	investors	investor	NOUN
fbem-12939	36	19	are	be	AUX
fbem-12939	36	20	willing	willing	ADJ
fbem-12939	36	21	to	to	PART
fbem-12939	36	22	bear	bear	VERB
fbem-12939	36	23	in	in	ADP
fbem-12939	36	24	pursuit	pursuit	NOUN
fbem-12939	36	25	of	of	ADP
fbem-12939	36	26	potential	potential	ADJ
fbem-12939	36	27	high	high	ADJ
fbem-12939	36	28	18	18	NUM
fbem-12939	36	29	returns	return	NOUN
fbem-12939	36	30	(	(	PUNCT
fbem-12939	36	31	li	li	PROPN
fbem-12939	36	32	et	et	PROPN
fbem-12939	36	33	al	al	PROPN
fbem-12939	36	34	.	.	PROPN
fbem-12939	36	35	,	,	PUNCT
fbem-12939	36	36	2023	2023	NUM
fbem-12939	36	37	)	)	PUNCT
fbem-12939	36	38	.	.	PUNCT
fbem-12939	37	1	additionally	additionally	ADV
fbem-12939	37	2	,	,	PUNCT
fbem-12939	37	3	the	the	DET
fbem-12939	37	4	diversification	diversification	NOUN
fbem-12939	37	5	of	of	ADP
fbem-12939	37	6	financial	financial	ADJ
fbem-12939	37	7	assets	asset	NOUN
fbem-12939	37	8	is	be	AUX
fbem-12939	37	9	also	also	ADV
fbem-12939	37	10	a	a	DET
fbem-12939	37	11	significant	significant	ADJ
fbem-12939	37	12	manifestation	manifestation	NOUN
fbem-12939	37	13	of	of	ADP
fbem-12939	37	14	asset	asset	NOUN
fbem-12939	37	15	allocation	allocation	NOUN
fbem-12939	37	16	performance	performance	NOUN
fbem-12939	37	17	.	.	PUNCT
fbem-12939	38	1	the	the	DET
fbem-12939	38	2	mean	mean	ADJ
fbem-12939	38	3	-	-	PUNCT
fbem-12939	38	4	variance	variance	NOUN
fbem-12939	38	5	model	model	NOUN
fbem-12939	38	6	demonstrates	demonstrate	VERB
fbem-12939	38	7	that	that	SCONJ
fbem-12939	38	8	households	household	NOUN
fbem-12939	38	9	can	can	AUX
fbem-12939	38	10	reduce	reduce	VERB
fbem-12939	38	11	investment	investment	NOUN
fbem-12939	38	12	risk	risk	NOUN
fbem-12939	38	13	under	under	ADP
fbem-12939	38	14	uncertain	uncertain	ADJ
fbem-12939	38	15	conditions	condition	NOUN
fbem-12939	38	16	by	by	ADP
fbem-12939	38	17	investing	invest	VERB
fbem-12939	38	18	in	in	ADP
fbem-12939	38	19	different	different	ADJ
fbem-12939	38	20	types	type	NOUN
fbem-12939	38	21	of	of	ADP
fbem-12939	38	22	risk	risk	NOUN
fbem-12939	38	23	portfolios	portfolio	NOUN
fbem-12939	38	24	(	(	PUNCT
fbem-12939	38	25	candelon	candelon	NOUN
fbem-12939	38	26	et	et	PROPN
fbem-12939	38	27	al	al	PROPN
fbem-12939	38	28	.	.	PROPN
fbem-12939	38	29	,	,	PUNCT
fbem-12939	38	30	2021	2021	NUM
fbem-12939	38	31	)	)	PUNCT
fbem-12939	38	32	.	.	PUNCT
fbem-12939	39	1	furthermore	furthermore	ADV
fbem-12939	39	2	,	,	PUNCT
fbem-12939	39	3	financial	financial	ADJ
fbem-12939	39	4	asset	asset	NOUN
fbem-12939	39	5	allocation	allocation	NOUN
fbem-12939	39	6	performance	performance	NOUN
fbem-12939	39	7	is	be	AUX
fbem-12939	39	8	reflected	reflect	VERB
fbem-12939	39	9	in	in	ADP
fbem-12939	39	10	the	the	DET
fbem-12939	39	11	efficiency	efficiency	NOUN
fbem-12939	39	12	of	of	ADP
fbem-12939	39	13	asset	asset	NOUN
fbem-12939	39	14	allocation	allocation	NOUN
fbem-12939	39	15	.	.	PUNCT
fbem-12939	40	1	in	in	ADP
fbem-12939	40	2	modern	modern	ADJ
fbem-12939	40	3	portfolio	portfolio	NOUN
fbem-12939	40	4	theory	theory	NOUN
fbem-12939	40	5	,	,	PUNCT
fbem-12939	40	6	holding	hold	VERB
fbem-12939	40	7	portfolios	portfolio	NOUN
fbem-12939	40	8	on	on	ADP
fbem-12939	40	9	the	the	DET
fbem-12939	40	10	efficient	efficient	ADJ
fbem-12939	40	11	frontier	frontier	NOUN
fbem-12939	40	12	is	be	AUX
fbem-12939	40	13	the	the	DET
fbem-12939	40	14	most	most	ADV
fbem-12939	40	15	effective	effective	ADJ
fbem-12939	40	16	way	way	NOUN
fbem-12939	40	17	for	for	SCONJ
fbem-12939	40	18	investors	investor	NOUN
fbem-12939	40	19	to	to	PART
fbem-12939	40	20	allocate	allocate	VERB
fbem-12939	40	21	assets	asset	NOUN
fbem-12939	40	22	and	and	CCONJ
fbem-12939	40	23	achieve	achieve	VERB
fbem-12939	40	24	maximum	maximum	ADJ
fbem-12939	40	25	riskadjusted	riskadjuste	VERB
fbem-12939	40	26	returns	return	NOUN
fbem-12939	40	27	.	.	PUNCT
fbem-12939	41	1	to	to	PART
fbem-12939	41	2	assess	assess	VERB
fbem-12939	41	3	the	the	DET
fbem-12939	41	4	efficiency	efficiency	NOUN
fbem-12939	41	5	of	of	ADP
fbem-12939	41	6	financial	financial	ADJ
fbem-12939	41	7	asset	asset	NOUN
fbem-12939	41	8	allocation	allocation	NOUN
fbem-12939	41	9	,	,	PUNCT
fbem-12939	41	10	the	the	DET
fbem-12939	41	11	excess	excess	ADJ
fbem-12939	41	12	return	return	NOUN
fbem-12939	41	13	of	of	ADP
fbem-12939	41	14	assets	asset	NOUN
fbem-12939	41	15	or	or	CCONJ
fbem-12939	41	16	portfolios	portfolio	NOUN
fbem-12939	41	17	is	be	AUX
fbem-12939	41	18	typically	typically	ADV
fbem-12939	41	19	divided	divide	VERB
fbem-12939	41	20	by	by	ADP
fbem-12939	41	21	their	their	PRON
fbem-12939	41	22	standard	standard	ADJ
fbem-12939	41	23	deviation	deviation	NOUN
fbem-12939	41	24	to	to	PART
fbem-12939	41	25	calculate	calculate	VERB
fbem-12939	41	26	the	the	DET
fbem-12939	41	27	riskadjusted	riskadjusted	ADJ
fbem-12939	41	28	return	return	NOUN
fbem-12939	41	29	(	(	PUNCT
fbem-12939	41	30	li	li	PROPN
fbem-12939	41	31	&	&	CCONJ
fbem-12939	41	32	qian	qian	PROPN
fbem-12939	41	33	,	,	PUNCT
fbem-12939	41	34	2021	2021	NUM
fbem-12939	41	35	)	)	PUNCT
fbem-12939	41	36	.	.	PUNCT
fbem-12939	42	1	existing	exist	VERB
fbem-12939	42	2	studies	study	NOUN
fbem-12939	42	3	have	have	AUX
fbem-12939	42	4	analyzed	analyze	VERB
fbem-12939	42	5	the	the	DET
fbem-12939	42	6	impact	impact	NOUN
fbem-12939	42	7	on	on	ADP
fbem-12939	42	8	the	the	DET
fbem-12939	42	9	performance	performance	NOUN
fbem-12939	42	10	of	of	ADP
fbem-12939	42	11	household	household	NOUN
fbem-12939	42	12	financial	financial	ADJ
fbem-12939	42	13	asset	asset	NOUN
fbem-12939	42	14	allocation	allocation	NOUN
fbem-12939	42	15	from	from	ADP
fbem-12939	42	16	the	the	DET
fbem-12939	42	17	perspectives	perspective	NOUN
fbem-12939	42	18	of	of	ADP
fbem-12939	42	19	gender	gender	NOUN
fbem-12939	42	20	,	,	PUNCT
fbem-12939	42	21	age	age	NOUN
fbem-12939	42	22	,	,	PUNCT
fbem-12939	42	23	marital	marital	ADJ
fbem-12939	42	24	status	status	NOUN
fbem-12939	42	25	,	,	PUNCT
fbem-12939	42	26	education	education	NOUN
fbem-12939	42	27	,	,	PUNCT
fbem-12939	42	28	family	family	NOUN
fbem-12939	42	29	size	size	NOUN
fbem-12939	42	30	,	,	PUNCT
fbem-12939	42	31	and	and	CCONJ
fbem-12939	42	32	income	income	NOUN
fbem-12939	42	33	.	.	PUNCT
fbem-12939	43	1	the	the	DET
fbem-12939	43	2	influence	influence	NOUN
fbem-12939	43	3	of	of	ADP
fbem-12939	43	4	gender	gender	NOUN
fbem-12939	43	5	in	in	ADP
fbem-12939	43	6	investment	investment	NOUN
fbem-12939	43	7	portfolios	portfolio	NOUN
fbem-12939	43	8	has	have	AUX
fbem-12939	43	9	been	be	AUX
fbem-12939	43	10	a	a	DET
fbem-12939	43	11	subject	subject	NOUN
fbem-12939	43	12	of	of	ADP
fbem-12939	43	13	considerable	considerable	ADJ
fbem-12939	43	14	interest	interest	NOUN
fbem-12939	43	15	.	.	PUNCT
fbem-12939	44	1	marinelli	marinelli	PROPN
fbem-12939	44	2	et	et	PROPN
fbem-12939	44	3	al	al	PROPN
fbem-12939	44	4	.	.	PROPN
fbem-12939	45	1	(	(	PUNCT
fbem-12939	45	2	2017	2017	NUM
fbem-12939	45	3	)	)	PUNCT
fbem-12939	45	4	pointed	point	VERB
fbem-12939	45	5	out	out	ADP
fbem-12939	45	6	that	that	SCONJ
fbem-12939	45	7	gender	gender	NOUN
fbem-12939	45	8	does	do	AUX
fbem-12939	45	9	not	not	PART
fbem-12939	45	10	significantly	significantly	ADV
fbem-12939	45	11	affect	affect	VERB
fbem-12939	45	12	risk	risk	NOUN
fbem-12939	45	13	preferences	preference	NOUN
fbem-12939	45	14	in	in	ADP
fbem-12939	45	15	portfolios	portfolio	NOUN
fbem-12939	45	16	with	with	ADP
fbem-12939	45	17	fewer	few	ADJ
fbem-12939	45	18	risky	risky	ADJ
fbem-12939	45	19	assets	asset	NOUN
fbem-12939	45	20	.	.	PUNCT
fbem-12939	46	1	however	however	ADV
fbem-12939	46	2	,	,	PUNCT
fbem-12939	46	3	in	in	ADP
fbem-12939	46	4	portfolios	portfolio	NOUN
fbem-12939	46	5	with	with	ADP
fbem-12939	46	6	a	a	DET
fbem-12939	46	7	higher	high	ADJ
fbem-12939	46	8	proportion	proportion	NOUN
fbem-12939	46	9	of	of	ADP
fbem-12939	46	10	risky	risky	ADJ
fbem-12939	46	11	assets	asset	NOUN
fbem-12939	46	12	,	,	PUNCT
fbem-12939	46	13	gender	gender	NOUN
fbem-12939	46	14	becomes	become	VERB
fbem-12939	46	15	a	a	DET
fbem-12939	46	16	significant	significant	ADJ
fbem-12939	46	17	factor	factor	NOUN
fbem-12939	46	18	,	,	PUNCT
fbem-12939	46	19	with	with	ADP
fbem-12939	46	20	males	male	NOUN
fbem-12939	46	21	exhibiting	exhibit	VERB
fbem-12939	46	22	a	a	DET
fbem-12939	46	23	noticeably	noticeably	ADV
fbem-12939	46	24	higher	high	ADJ
fbem-12939	46	25	risk	risk	NOUN
fbem-12939	46	26	appetite	appetite	NOUN
fbem-12939	46	27	compared	compare	VERB
fbem-12939	46	28	to	to	ADP
fbem-12939	46	29	females	female	NOUN
fbem-12939	46	30	.	.	PUNCT
fbem-12939	47	1	conversely	conversely	ADV
fbem-12939	47	2	,	,	PUNCT
fbem-12939	47	3	wu	wu	PROPN
fbem-12939	47	4	et	et	PROPN
fbem-12939	47	5	al	al	PROPN
fbem-12939	47	6	.	.	PROPN
fbem-12939	47	7	(	(	PUNCT
fbem-12939	47	8	2021	2021	NUM
fbem-12939	47	9	)	)	PUNCT
fbem-12939	47	10	hold	hold	VERB
fbem-12939	47	11	a	a	DET
fbem-12939	47	12	different	different	ADJ
fbem-12939	47	13	perspective	perspective	NOUN
fbem-12939	47	14	that	that	SCONJ
fbem-12939	47	15	in	in	ADP
fbem-12939	47	16	a	a	DET
fbem-12939	47	17	majority	majority	NOUN
fbem-12939	47	18	of	of	ADP
fbem-12939	47	19	chinese	chinese	ADJ
fbem-12939	47	20	households	household	NOUN
fbem-12939	47	21	,	,	PUNCT
fbem-12939	47	22	women	woman	NOUN
fbem-12939	47	23	hold	hold	VERB
fbem-12939	47	24	the	the	DET
fbem-12939	47	25	decision	decision	NOUN
fbem-12939	47	26	-	-	PUNCT
fbem-12939	47	27	making	make	VERB
fbem-12939	47	28	power	power	NOUN
fbem-12939	47	29	regarding	regard	VERB
fbem-12939	47	30	family	family	NOUN
fbem-12939	47	31	finances	finance	NOUN
fbem-12939	47	32	.	.	PUNCT
fbem-12939	48	1	with	with	ADP
fbem-12939	48	2	the	the	DET
fbem-12939	48	3	rise	rise	NOUN
fbem-12939	48	4	in	in	ADP
fbem-12939	48	5	women	woman	NOUN
fbem-12939	48	6	's	's	PART
fbem-12939	48	7	education	education	NOUN
fbem-12939	48	8	levels	level	NOUN
fbem-12939	48	9	and	and	CCONJ
fbem-12939	48	10	their	their	PRON
fbem-12939	48	11	growing	grow	VERB
fbem-12939	48	12	sense	sense	NOUN
fbem-12939	48	13	of	of	ADP
fbem-12939	48	14	independence	independence	NOUN
fbem-12939	48	15	,	,	PUNCT
fbem-12939	48	16	their	their	PRON
fbem-12939	48	17	willingness	willingness	NOUN
fbem-12939	48	18	to	to	PART
fbem-12939	48	19	engage	engage	VERB
fbem-12939	48	20	in	in	ADP
fbem-12939	48	21	risky	risky	ADJ
fbem-12939	48	22	financial	financial	ADJ
fbem-12939	48	23	investments	investment	NOUN
fbem-12939	48	24	has	have	AUX
fbem-12939	48	25	also	also	ADV
fbem-12939	48	26	increased	increase	VERB
fbem-12939	48	27	.	.	PUNCT
fbem-12939	49	1	the	the	DET
fbem-12939	49	2	impact	impact	NOUN
fbem-12939	49	3	of	of	ADP
fbem-12939	49	4	age	age	NOUN
fbem-12939	49	5	on	on	ADP
fbem-12939	49	6	the	the	DET
fbem-12939	49	7	performance	performance	NOUN
fbem-12939	49	8	of	of	ADP
fbem-12939	49	9	household	household	NOUN
fbem-12939	49	10	asset	asset	NOUN
fbem-12939	49	11	allocation	allocation	NOUN
fbem-12939	49	12	is	be	AUX
fbem-12939	49	13	also	also	ADV
fbem-12939	49	14	important	important	ADJ
fbem-12939	49	15	.	.	PUNCT
fbem-12939	50	1	as	as	ADP
fbem-12939	50	2	individuals	individual	NOUN
fbem-12939	50	3	age	age	NOUN
fbem-12939	50	4	,	,	PUNCT
fbem-12939	50	5	their	their	PRON
fbem-12939	50	6	risk	risk	NOUN
fbem-12939	50	7	preferences	preference	NOUN
fbem-12939	50	8	gradually	gradually	ADV
fbem-12939	50	9	decrease	decrease	VERB
fbem-12939	50	10	.	.	PUNCT
fbem-12939	51	1	households	household	NOUN
fbem-12939	51	2	with	with	ADP
fbem-12939	51	3	older	old	ADJ
fbem-12939	51	4	heads	head	NOUN
fbem-12939	51	5	aged	age	VERB
fbem-12939	51	6	over	over	ADP
fbem-12939	51	7	60	60	NUM
fbem-12939	51	8	allocate	allocate	VERB
fbem-12939	51	9	a	a	DET
fbem-12939	51	10	larger	large	ADJ
fbem-12939	51	11	proportion	proportion	NOUN
fbem-12939	51	12	of	of	ADP
fbem-12939	51	13	their	their	PRON
fbem-12939	51	14	assets	asset	NOUN
fbem-12939	51	15	to	to	ADP
fbem-12939	51	16	property	property	NOUN
fbem-12939	51	17	and	and	CCONJ
fbem-12939	51	18	bank	bank	NOUN
fbem-12939	51	19	savings	saving	NOUN
fbem-12939	51	20	,	,	PUNCT
fbem-12939	51	21	a	a	DET
fbem-12939	51	22	proportion	proportion	NOUN
fbem-12939	51	23	that	that	PRON
fbem-12939	51	24	continues	continue	VERB
fbem-12939	51	25	to	to	PART
fbem-12939	51	26	rise	rise	VERB
fbem-12939	51	27	with	with	ADP
fbem-12939	51	28	the	the	DET
fbem-12939	51	29	increasing	increase	VERB
fbem-12939	51	30	proportion	proportion	NOUN
fbem-12939	51	31	of	of	ADP
fbem-12939	51	32	elderly	elderly	ADJ
fbem-12939	51	33	individuals	individual	NOUN
fbem-12939	51	34	in	in	ADP
fbem-12939	51	35	the	the	DET
fbem-12939	51	36	household	household	NOUN
fbem-12939	51	37	.	.	PUNCT
fbem-12939	52	1	consequently	consequently	ADV
fbem-12939	52	2	,	,	PUNCT
fbem-12939	52	3	this	this	DET
fbem-12939	52	4	trend	trend	NOUN
fbem-12939	52	5	suppresses	suppress	VERB
fbem-12939	52	6	participation	participation	NOUN
fbem-12939	52	7	in	in	ADP
fbem-12939	52	8	financial	financial	ADJ
fbem-12939	52	9	markets	market	NOUN
fbem-12939	52	10	such	such	ADJ
fbem-12939	52	11	as	as	ADP
fbem-12939	52	12	stocks	stock	NOUN
fbem-12939	52	13	and	and	CCONJ
fbem-12939	52	14	funds	fund	NOUN
fbem-12939	52	15	(	(	PUNCT
fbem-12939	52	16	wang	wang	PROPN
fbem-12939	52	17	et	et	PROPN
fbem-12939	52	18	al	al	PROPN
fbem-12939	52	19	.	.	PROPN
fbem-12939	52	20	,	,	PUNCT
fbem-12939	52	21	2019	2019	NUM
fbem-12939	52	22	)	)	PUNCT
fbem-12939	52	23	.	.	PUNCT
fbem-12939	53	1	additionally	additionally	ADV
fbem-12939	53	2	,	,	PUNCT
fbem-12939	53	3	married	married	ADJ
fbem-12939	53	4	households	household	NOUN
fbem-12939	53	5	are	be	AUX
fbem-12939	53	6	more	more	ADV
fbem-12939	53	7	able	able	ADJ
fbem-12939	53	8	to	to	PART
fbem-12939	53	9	make	make	VERB
fbem-12939	53	10	appropriate	appropriate	ADJ
fbem-12939	53	11	investment	investment	NOUN
fbem-12939	53	12	decisions	decision	NOUN
fbem-12939	53	13	in	in	ADP
fbem-12939	53	14	response	response	NOUN
fbem-12939	53	15	to	to	ADP
fbem-12939	53	16	financial	financial	ADJ
fbem-12939	53	17	markets	market	NOUN
fbem-12939	53	18	than	than	ADP
fbem-12939	53	19	unmarried	unmarried	ADJ
fbem-12939	53	20	households	household	NOUN
fbem-12939	53	21	,	,	PUNCT
fbem-12939	53	22	largely	largely	ADV
fbem-12939	53	23	due	due	ADP
fbem-12939	53	24	to	to	ADP
fbem-12939	53	25	the	the	DET
fbem-12939	53	26	fact	fact	NOUN
fbem-12939	53	27	that	that	SCONJ
fbem-12939	53	28	married	married	ADJ
fbem-12939	53	29	households	household	NOUN
fbem-12939	53	30	increase	increase	VERB
fbem-12939	53	31	the	the	DET
fbem-12939	53	32	risk	risk	NOUN
fbem-12939	53	33	-	-	PUNCT
fbem-12939	53	34	taking	take	VERB
fbem-12939	53	35	capacity	capacity	NOUN
fbem-12939	53	36	of	of	ADP
fbem-12939	53	37	their	their	PRON
fbem-12939	53	38	families	family	NOUN
fbem-12939	53	39	by	by	ADP
fbem-12939	53	40	sharing	share	VERB
fbem-12939	53	41	risk	risk	NOUN
fbem-12939	53	42	with	with	ADP
fbem-12939	53	43	their	their	PRON
fbem-12939	53	44	spouses	spouse	NOUN
fbem-12939	53	45	(	(	PUNCT
fbem-12939	53	46	hillesland	hillesland	NOUN
fbem-12939	53	47	,	,	PUNCT
fbem-12939	53	48	2019	2019	NUM
fbem-12939	53	49	)	)	PUNCT
fbem-12939	53	50	.	.	PUNCT
fbem-12939	54	1	the	the	DET
fbem-12939	54	2	educational	educational	ADJ
fbem-12939	54	3	level	level	NOUN
fbem-12939	54	4	of	of	ADP
fbem-12939	54	5	household	household	NOUN
fbem-12939	54	6	members	member	NOUN
fbem-12939	54	7	also	also	ADV
fbem-12939	54	8	profoundly	profoundly	ADV
fbem-12939	54	9	affects	affect	VERB
fbem-12939	54	10	financial	financial	ADJ
fbem-12939	54	11	asset	asset	NOUN
fbem-12939	54	12	allocation	allocation	NOUN
fbem-12939	54	13	performance	performance	NOUN
fbem-12939	54	14	.	.	PUNCT
fbem-12939	55	1	education	education	NOUN
fbem-12939	55	2	compensates	compensate	NOUN
fbem-12939	55	3	for	for	ADP
fbem-12939	55	4	financial	financial	ADJ
fbem-12939	55	5	cognitive	cognitive	ADJ
fbem-12939	55	6	ability	ability	NOUN
fbem-12939	55	7	.	.	PUNCT
fbem-12939	56	1	therefore	therefore	ADV
fbem-12939	56	2	,	,	PUNCT
fbem-12939	56	3	for	for	ADP
fbem-12939	56	4	better	well	ADJ
fbem-12939	56	5	educated	educate	VERB
fbem-12939	56	6	households	household	NOUN
fbem-12939	56	7	,	,	PUNCT
fbem-12939	56	8	the	the	DET
fbem-12939	56	9	motivation	motivation	NOUN
fbem-12939	56	10	and	and	CCONJ
fbem-12939	56	11	initiative	initiative	NOUN
fbem-12939	56	12	to	to	PART
fbem-12939	56	13	invest	invest	VERB
fbem-12939	56	14	in	in	ADP
fbem-12939	56	15	risky	risky	ADJ
fbem-12939	56	16	financial	financial	ADJ
fbem-12939	56	17	assets	asset	NOUN
fbem-12939	56	18	is	be	AUX
fbem-12939	56	19	higher	high	ADJ
fbem-12939	56	20	than	than	ADP
fbem-12939	56	21	that	that	PRON
fbem-12939	56	22	of	of	ADP
fbem-12939	56	23	the	the	DET
fbem-12939	56	24	average	average	ADJ
fbem-12939	56	25	household	household	NOUN
fbem-12939	56	26	,	,	PUNCT
fbem-12939	56	27	which	which	PRON
fbem-12939	56	28	enables	enable	VERB
fbem-12939	56	29	better	well	ADJ
fbem-12939	56	30	utilization	utilization	NOUN
fbem-12939	56	31	of	of	ADP
fbem-12939	56	32	risky	risky	ADJ
fbem-12939	56	33	financial	financial	ADJ
fbem-12939	56	34	assets	asset	NOUN
fbem-12939	56	35	for	for	ADP
fbem-12939	56	36	returns	return	NOUN
fbem-12939	56	37	(	(	PUNCT
fbem-12939	56	38	cole	cole	PROPN
fbem-12939	56	39	et	et	PROPN
fbem-12939	56	40	al	al	PROPN
fbem-12939	56	41	.	.	PROPN
fbem-12939	56	42	,	,	PUNCT
fbem-12939	56	43	2014	2014	NUM
fbem-12939	56	44	)	)	PUNCT
fbem-12939	56	45	.	.	PUNCT
fbem-12939	57	1	an	an	DET
fbem-12939	57	2	increase	increase	NOUN
fbem-12939	57	3	in	in	ADP
fbem-12939	57	4	the	the	DET
fbem-12939	57	5	number	number	NOUN
fbem-12939	57	6	of	of	ADP
fbem-12939	57	7	household	household	NOUN
fbem-12939	57	8	members	member	NOUN
fbem-12939	57	9	suppresses	suppress	VERB
fbem-12939	57	10	the	the	DET
fbem-12939	57	11	probability	probability	NOUN
fbem-12939	57	12	of	of	ADP
fbem-12939	57	13	holding	hold	VERB
fbem-12939	57	14	financial	financial	ADJ
fbem-12939	57	15	assets	asset	NOUN
fbem-12939	57	16	(	(	PUNCT
fbem-12939	57	17	pan	pan	NOUN
fbem-12939	57	18	,	,	PUNCT
fbem-12939	57	19	2021	2021	NUM
fbem-12939	57	20	)	)	PUNCT
fbem-12939	57	21	.	.	PUNCT
fbem-12939	58	1	this	this	PRON
fbem-12939	58	2	is	be	AUX
fbem-12939	58	3	primarily	primarily	ADV
fbem-12939	58	4	due	due	ADJ
fbem-12939	58	5	to	to	ADP
fbem-12939	58	6	the	the	DET
fbem-12939	58	7	added	add	VERB
fbem-12939	58	8	financial	financial	ADJ
fbem-12939	58	9	burden	burden	NOUN
fbem-12939	58	10	resulting	result	VERB
fbem-12939	58	11	from	from	ADP
fbem-12939	58	12	additional	additional	ADJ
fbem-12939	58	13	dependents	dependent	NOUN
fbem-12939	58	14	,	,	PUNCT
fbem-12939	58	15	leading	lead	VERB
fbem-12939	58	16	to	to	ADP
fbem-12939	58	17	a	a	DET
fbem-12939	58	18	reduction	reduction	NOUN
fbem-12939	58	19	in	in	ADP
fbem-12939	58	20	both	both	CCONJ
fbem-12939	58	21	the	the	DET
fbem-12939	58	22	quantity	quantity	NOUN
fbem-12939	58	23	and	and	CCONJ
fbem-12939	58	24	proportion	proportion	NOUN
fbem-12939	58	25	of	of	ADP
fbem-12939	58	26	financial	financial	ADJ
fbem-12939	58	27	assets	asset	NOUN
fbem-12939	58	28	allocated	allocate	VERB
fbem-12939	58	29	.	.	PUNCT
fbem-12939	59	1	furthermore	furthermore	ADV
fbem-12939	59	2	,	,	PUNCT
fbem-12939	59	3	income	income	NOUN
fbem-12939	59	4	is	be	AUX
fbem-12939	59	5	an	an	DET
fbem-12939	59	6	important	important	ADJ
fbem-12939	59	7	source	source	NOUN
fbem-12939	59	8	of	of	ADP
fbem-12939	59	9	wealth	wealth	NOUN
fbem-12939	59	10	for	for	ADP
fbem-12939	59	11	every	every	DET
fbem-12939	59	12	household	household	NOUN
fbem-12939	59	13	.	.	PUNCT
fbem-12939	60	1	an	an	DET
fbem-12939	60	2	increase	increase	NOUN
fbem-12939	60	3	in	in	ADP
fbem-12939	60	4	household	household	NOUN
fbem-12939	60	5	income	income	NOUN
fbem-12939	60	6	facilitates	facilitate	VERB
fbem-12939	60	7	household	household	NOUN
fbem-12939	60	8	investment	investment	NOUN
fbem-12939	60	9	in	in	ADP
fbem-12939	60	10	risky	risky	ADJ
fbem-12939	60	11	financial	financial	ADJ
fbem-12939	60	12	assets	asset	NOUN
fbem-12939	60	13	,	,	PUNCT
fbem-12939	60	14	and	and	CCONJ
fbem-12939	60	15	the	the	PRON
fbem-12939	60	16	higher	high	ADJ
fbem-12939	60	17	the	the	DET
fbem-12939	60	18	household	household	NOUN
fbem-12939	60	19	income	income	NOUN
fbem-12939	60	20	,	,	PUNCT
fbem-12939	60	21	the	the	DET
fbem-12939	60	22	more	more	ADV
fbem-12939	60	23	controllable	controllable	ADJ
fbem-12939	60	24	resources	resource	NOUN
fbem-12939	60	25	the	the	DET
fbem-12939	60	26	household	household	NOUN
fbem-12939	60	27	has	have	VERB
fbem-12939	60	28	and	and	CCONJ
fbem-12939	60	29	the	the	PRON
fbem-12939	60	30	greater	great	ADJ
fbem-12939	60	31	the	the	DET
fbem-12939	60	32	household	household	NOUN
fbem-12939	60	33	's	's	PART
fbem-12939	60	34	risk	risk	NOUN
fbem-12939	60	35	tolerance	tolerance	NOUN
fbem-12939	60	36	(	(	PUNCT
fbem-12939	60	37	wu	wu	PROPN
fbem-12939	60	38	et	et	PROPN
fbem-12939	60	39	al	al	PROPN
fbem-12939	60	40	.	.	PROPN
fbem-12939	60	41	,	,	PUNCT
fbem-12939	60	42	2021	2021	NUM
fbem-12939	60	43	)	)	PUNCT
fbem-12939	60	44	.	.	PUNCT
fbem-12939	61	1	the	the	DET
fbem-12939	61	2	above	above	ADJ
fbem-12939	61	3	literature	literature	NOUN
fbem-12939	61	4	suggests	suggest	VERB
fbem-12939	61	5	that	that	SCONJ
fbem-12939	61	6	the	the	DET
fbem-12939	61	7	heterogeneous	heterogeneous	ADJ
fbem-12939	61	8	characteristics	characteristic	NOUN
fbem-12939	61	9	of	of	ADP
fbem-12939	61	10	households	household	NOUN
fbem-12939	61	11	may	may	AUX
fbem-12939	61	12	result	result	VERB
fbem-12939	61	13	in	in	ADP
fbem-12939	61	14	differential	differential	ADJ
fbem-12939	61	15	effects	effect	NOUN
fbem-12939	61	16	on	on	ADP
fbem-12939	61	17	the	the	DET
fbem-12939	61	18	performance	performance	NOUN
fbem-12939	61	19	of	of	ADP
fbem-12939	61	20	household	household	NOUN
fbem-12939	61	21	financial	financial	ADJ
fbem-12939	61	22	asset	asset	NOUN
fbem-12939	61	23	allocation	allocation	NOUN
fbem-12939	61	24	.	.	PUNCT
fbem-12939	62	1	therefore	therefore	ADV
fbem-12939	62	2	,	,	PUNCT
fbem-12939	62	3	this	this	DET
fbem-12939	62	4	study	study	NOUN
fbem-12939	62	5	proposes	propose	VERB
fbem-12939	62	6	the	the	DET
fbem-12939	62	7	following	follow	VERB
fbem-12939	62	8	hypotheses	hypothesis	NOUN
fbem-12939	62	9	:	:	PUNCT
fbem-12939	62	10	h1	h1	NOUN
fbem-12939	62	11	:	:	PUNCT
fbem-12939	62	12	there	there	PRON
fbem-12939	62	13	are	be	VERB
fbem-12939	62	14	differences	difference	NOUN
fbem-12939	62	15	in	in	ADP
fbem-12939	62	16	phfaa	phfaa	NOUN
fbem-12939	62	17	among	among	ADP
fbem-12939	62	18	household	household	NOUN
fbem-12939	62	19	heads	head	NOUN
fbem-12939	62	20	of	of	ADP
fbem-12939	62	21	different	different	ADJ
fbem-12939	62	22	genders	gender	NOUN
fbem-12939	62	23	.	.	PUNCT
fbem-12939	63	1	h2	h2	NOUN
fbem-12939	63	2	:	:	PUNCT
fbem-12939	63	3	there	there	PRON
fbem-12939	63	4	are	be	VERB
fbem-12939	63	5	differences	difference	NOUN
fbem-12939	63	6	in	in	ADP
fbem-12939	63	7	phfaa	phfaa	NOUN
fbem-12939	63	8	among	among	ADP
fbem-12939	63	9	household	household	NOUN
fbem-12939	63	10	heads	head	NOUN
fbem-12939	63	11	of	of	ADP
fbem-12939	63	12	different	different	ADJ
fbem-12939	63	13	age	age	NOUN
fbem-12939	63	14	groups	group	NOUN
fbem-12939	63	15	.	.	PUNCT
fbem-12939	64	1	h3	h3	NOUN
fbem-12939	64	2	:	:	PUNCT
fbem-12939	64	3	there	there	PRON
fbem-12939	64	4	are	be	VERB
fbem-12939	64	5	differences	difference	NOUN
fbem-12939	64	6	in	in	ADP
fbem-12939	64	7	phfaa	phfaa	NOUN
fbem-12939	64	8	among	among	ADP
fbem-12939	64	9	household	household	NOUN
fbem-12939	64	10	heads	head	NOUN
fbem-12939	64	11	with	with	ADP
fbem-12939	64	12	different	different	ADJ
fbem-12939	64	13	marital	marital	ADJ
fbem-12939	64	14	statuses	status	NOUN
fbem-12939	64	15	.	.	PUNCT
fbem-12939	65	1	h4	h4	NOUN
fbem-12939	65	2	:	:	PUNCT
fbem-12939	65	3	the	the	DET
fbem-12939	65	4	phfaa	phfaa	NOUN
fbem-12939	65	5	differs	differ	VERB
fbem-12939	65	6	among	among	ADP
fbem-12939	65	7	household	household	NOUN
fbem-12939	65	8	heads	head	NOUN
fbem-12939	65	9	in	in	ADP
fbem-12939	65	10	terms	term	NOUN
fbem-12939	65	11	of	of	ADP
fbem-12939	65	12	their	their	PRON
fbem-12939	65	13	education	education	NOUN
fbem-12939	65	14	levels	level	NOUN
fbem-12939	65	15	.	.	PUNCT
fbem-12939	66	1	h5	h5	PROPN
fbem-12939	66	2	:	:	PUNCT
fbem-12939	66	3	the	the	DET
fbem-12939	66	4	phfaa	phfaa	NOUN
fbem-12939	66	5	differs	differ	VERB
fbem-12939	66	6	among	among	ADP
fbem-12939	66	7	household	household	NOUN
fbem-12939	66	8	in	in	ADP
fbem-12939	66	9	terms	term	NOUN
fbem-12939	66	10	of	of	ADP
fbem-12939	66	11	their	their	PRON
fbem-12939	66	12	household	household	NOUN
fbem-12939	66	13	sizes	size	NOUN
fbem-12939	66	14	.	.	PUNCT
fbem-12939	67	1	h6	h6	PROPN
fbem-12939	67	2	:	:	PUNCT
fbem-12939	67	3	the	the	DET
fbem-12939	67	4	phfaa	phfaa	NOUN
fbem-12939	67	5	differs	differ	VERB
fbem-12939	67	6	among	among	ADP
fbem-12939	67	7	household	household	NOUN
fbem-12939	67	8	in	in	ADP
fbem-12939	67	9	terms	term	NOUN
fbem-12939	67	10	of	of	ADP
fbem-12939	67	11	their	their	PRON
fbem-12939	67	12	income	income	NOUN
fbem-12939	67	13	levels	level	NOUN
fbem-12939	67	14	.	.	PUNCT
fbem-12939	68	1	3	3	X
fbem-12939	68	2	.	.	X
fbem-12939	68	3	methodology	methodology	NOUN
fbem-12939	68	4	the	the	DET
fbem-12939	68	5	structured	structured	ADJ
fbem-12939	68	6	questionnaire	questionnaire	NOUN
fbem-12939	68	7	was	be	AUX
fbem-12939	68	8	carefully	carefully	ADV
fbem-12939	68	9	prepared	prepare	VERB
fbem-12939	68	10	to	to	PART
fbem-12939	68	11	collect	collect	VERB
fbem-12939	68	12	primary	primary	ADJ
fbem-12939	68	13	data	datum	NOUN
fbem-12939	68	14	in	in	ADP
fbem-12939	68	15	first	first	ADJ
fbem-12939	68	16	-	-	PUNCT
fbem-12939	68	17	tier	tier	NOUN
fbem-12939	68	18	cities	city	NOUN
fbem-12939	68	19	in	in	ADP
fbem-12939	68	20	china	china	PROPN
fbem-12939	68	21	from	from	ADP
fbem-12939	68	22	july	july	PROPN
fbem-12939	68	23	to	to	ADP
fbem-12939	68	24	september	september	PROPN
fbem-12939	68	25	2023	2023	NUM
fbem-12939	68	26	.	.	PUNCT
fbem-12939	69	1	the	the	DET
fbem-12939	69	2	survey	survey	NOUN
fbem-12939	69	3	targeted	target	VERB
fbem-12939	69	4	heads	head	NOUN
fbem-12939	69	5	of	of	ADP
fbem-12939	69	6	urban	urban	ADJ
fbem-12939	69	7	households	household	NOUN
fbem-12939	69	8	and	and	CCONJ
fbem-12939	69	9	was	be	AUX
fbem-12939	69	10	administered	administer	VERB
fbem-12939	69	11	using	use	VERB
fbem-12939	69	12	multi	multi	ADJ
fbem-12939	69	13	-	-	ADJ
fbem-12939	69	14	stage	stage	NOUN
fbem-12939	69	15	stratified	stratify	VERB
fbem-12939	69	16	random	random	ADJ
fbem-12939	69	17	sampling	sampling	NOUN
fbem-12939	69	18	.	.	PUNCT
fbem-12939	70	1	during	during	ADP
fbem-12939	70	2	the	the	DET
fbem-12939	70	3	questionnaire	questionnaire	NOUN
fbem-12939	70	4	collection	collection	NOUN
fbem-12939	70	5	process	process	NOUN
fbem-12939	70	6	,	,	PUNCT
fbem-12939	70	7	demographic	demographic	ADJ
fbem-12939	70	8	information	information	NOUN
fbem-12939	70	9	was	be	AUX
fbem-12939	70	10	gathered	gather	VERB
fbem-12939	70	11	,	,	PUNCT
fbem-12939	70	12	and	and	CCONJ
fbem-12939	70	13	phfaa	phfaa	NOUN
fbem-12939	70	14	was	be	AUX
fbem-12939	70	15	measured	measure	VERB
fbem-12939	70	16	using	use	VERB
fbem-12939	70	17	a	a	DET
fbem-12939	70	18	likert	likert	ADJ
fbem-12939	70	19	5	5	NUM
fbem-12939	70	20	-	-	PUNCT
fbem-12939	70	21	point	point	NOUN
fbem-12939	70	22	scale	scale	NOUN
fbem-12939	70	23	.	.	PUNCT
fbem-12939	71	1	a	a	DET
fbem-12939	71	2	total	total	NOUN
fbem-12939	71	3	of	of	ADP
fbem-12939	71	4	770	770	NUM
fbem-12939	71	5	questionnaires	questionnaire	NOUN
fbem-12939	71	6	were	be	AUX
fbem-12939	71	7	distributed	distribute	VERB
fbem-12939	71	8	,	,	PUNCT
fbem-12939	71	9	and	and	CCONJ
fbem-12939	71	10	after	after	ADP
fbem-12939	71	11	excluding	exclude	VERB
fbem-12939	71	12	outliers	outlier	NOUN
fbem-12939	71	13	and	and	CCONJ
fbem-12939	71	14	missing	miss	VERB
fbem-12939	71	15	samples	sample	NOUN
fbem-12939	71	16	,	,	PUNCT
fbem-12939	71	17	534	534	NUM
fbem-12939	71	18	valid	valid	ADJ
fbem-12939	71	19	questionnaires	questionnaire	NOUN
fbem-12939	71	20	were	be	AUX
fbem-12939	71	21	obtained	obtain	VERB
fbem-12939	71	22	.	.	PUNCT
fbem-12939	72	1	the	the	DET
fbem-12939	72	2	questionnaire	questionnaire	NOUN
fbem-12939	72	3	's	's	PART
fbem-12939	72	4	reliability	reliability	NOUN
fbem-12939	72	5	and	and	CCONJ
fbem-12939	72	6	validity	validity	NOUN
fbem-12939	72	7	were	be	AUX
fbem-12939	72	8	confirmed	confirm	VERB
fbem-12939	72	9	with	with	ADP
fbem-12939	72	10	a	a	DET
fbem-12939	72	11	cronbach	cronbach	NOUN
fbem-12939	72	12	's	's	PART
fbem-12939	72	13	alpha	alpha	NOUN
fbem-12939	72	14	value	value	NOUN
fbem-12939	72	15	of	of	ADP
fbem-12939	72	16	0.926	0.926	NUM
fbem-12939	72	17	.	.	PUNCT
fbem-12939	73	1	the	the	DET
fbem-12939	73	2	collected	collect	VERB
fbem-12939	73	3	data	datum	NOUN
fbem-12939	73	4	were	be	AUX
fbem-12939	73	5	entered	enter	VERB
fbem-12939	73	6	into	into	ADP
fbem-12939	73	7	the	the	DET
fbem-12939	73	8	statistical	statistical	ADJ
fbem-12939	73	9	software	software	NOUN
fbem-12939	73	10	spss	spss	PROPN
fbem-12939	73	11	version	version	PROPN
fbem-12939	73	12	27.0	27.0	NUM
fbem-12939	73	13	for	for	ADP
fbem-12939	73	14	analysis	analysis	NOUN
fbem-12939	73	15	while	while	SCONJ
fbem-12939	73	16	the	the	DET
fbem-12939	73	17	statistical	statistical	ADJ
fbem-12939	73	18	techniques	technique	NOUN
fbem-12939	73	19	used	use	VERB
fbem-12939	73	20	for	for	ADP
fbem-12939	73	21	analyzing	analyze	VERB
fbem-12939	73	22	the	the	DET
fbem-12939	73	23	data	datum	NOUN
fbem-12939	73	24	are	be	AUX
fbem-12939	73	25	independent	independent	ADJ
fbem-12939	73	26	sample	sample	NOUN
fbem-12939	73	27	t	t	NOUN
fbem-12939	73	28	-	-	PUNCT
fbem-12939	73	29	test	test	NOUN
fbem-12939	73	30	and	and	CCONJ
fbem-12939	73	31	anova	anova	PROPN
fbem-12939	73	32	.	.	PUNCT
fbem-12939	74	1	the	the	DET
fbem-12939	74	2	independent	independent	ADJ
fbem-12939	74	3	samples	sample	NOUN
fbem-12939	74	4	t	t	NOUN
fbem-12939	74	5	-	-	PUNCT
fbem-12939	74	6	test	test	NOUN
fbem-12939	74	7	is	be	AUX
fbem-12939	74	8	a	a	DET
fbem-12939	74	9	statistical	statistical	ADJ
fbem-12939	74	10	test	test	NOUN
fbem-12939	74	11	to	to	PART
fbem-12939	74	12	determine	determine	VERB
fbem-12939	74	13	if	if	SCONJ
fbem-12939	74	14	there	there	PRON
fbem-12939	74	15	is	be	VERB
fbem-12939	74	16	a	a	DET
fbem-12939	74	17	significant	significant	ADJ
fbem-12939	74	18	difference	difference	NOUN
fbem-12939	74	19	between	between	ADP
fbem-12939	74	20	the	the	DET
fbem-12939	74	21	means	mean	NOUN
fbem-12939	74	22	of	of	ADP
fbem-12939	74	23	two	two	NUM
fbem-12939	74	24	groups	group	NOUN
fbem-12939	74	25	of	of	ADP
fbem-12939	74	26	data	datum	NOUN
fbem-12939	74	27	.	.	PUNCT
fbem-12939	75	1	when	when	SCONJ
fbem-12939	75	2	dealing	deal	VERB
fbem-12939	75	3	with	with	ADP
fbem-12939	75	4	more	more	ADJ
fbem-12939	75	5	than	than	ADP
fbem-12939	75	6	three	three	NUM
fbem-12939	75	7	groups	group	NOUN
fbem-12939	75	8	,	,	PUNCT
fbem-12939	75	9	anova	anova	PROPN
fbem-12939	75	10	is	be	AUX
fbem-12939	75	11	required	require	VERB
fbem-12939	75	12	.	.	PUNCT
fbem-12939	76	1	in	in	ADP
fbem-12939	76	2	both	both	PRON
fbem-12939	76	3	of	of	ADP
fbem-12939	76	4	these	these	DET
fbem-12939	76	5	methods	method	NOUN
fbem-12939	76	6	for	for	ADP
fbem-12939	76	7	differential	differential	ADJ
fbem-12939	76	8	analysis	analysis	NOUN
fbem-12939	76	9	,	,	PUNCT
fbem-12939	76	10	it	it	PRON
fbem-12939	76	11	is	be	AUX
fbem-12939	76	12	necessary	necessary	ADJ
fbem-12939	76	13	to	to	PART
fbem-12939	76	14	meet	meet	VERB
fbem-12939	76	15	the	the	DET
fbem-12939	76	16	assumptions	assumption	NOUN
fbem-12939	76	17	of	of	ADP
fbem-12939	76	18	normality	normality	NOUN
fbem-12939	76	19	and	and	CCONJ
fbem-12939	76	20	homogeneity	homogeneity	NOUN
fbem-12939	76	21	of	of	ADP
fbem-12939	76	22	variances	variance	NOUN
fbem-12939	76	23	.	.	PUNCT
fbem-12939	77	1	according	accord	VERB
fbem-12939	77	2	to	to	ADP
fbem-12939	77	3	the	the	DET
fbem-12939	77	4	central	central	ADJ
fbem-12939	77	5	limit	limit	NOUN
fbem-12939	77	6	theorem	theorem	VERB
fbem-12939	77	7	,	,	PUNCT
fbem-12939	77	8	when	when	SCONJ
fbem-12939	77	9	the	the	DET
fbem-12939	77	10	sample	sample	NOUN
fbem-12939	77	11	size	size	NOUN
fbem-12939	77	12	is	be	AUX
fbem-12939	77	13	greater	great	ADJ
fbem-12939	77	14	than	than	ADP
fbem-12939	77	15	30	30	NUM
fbem-12939	77	16	,	,	PUNCT
fbem-12939	77	17	the	the	DET
fbem-12939	77	18	sample	sample	NOUN
fbem-12939	77	19	means	mean	VERB
fbem-12939	77	20	are	be	AUX
fbem-12939	77	21	approximately	approximately	ADV
fbem-12939	77	22	normally	normally	ADV
fbem-12939	77	23	distributed	distribute	VERB
fbem-12939	77	24	(	(	PUNCT
fbem-12939	77	25	wackerly	wackerly	ADV
fbem-12939	77	26	et	et	PROPN
fbem-12939	77	27	al	al	PROPN
fbem-12939	77	28	.	.	PROPN
fbem-12939	77	29	,	,	PUNCT
fbem-12939	77	30	2014	2014	NUM
fbem-12939	77	31	)	)	PUNCT
fbem-12939	77	32	.	.	PUNCT
fbem-12939	78	1	in	in	ADP
fbem-12939	78	2	this	this	DET
fbem-12939	78	3	study	study	NOUN
fbem-12939	78	4	,	,	PUNCT
fbem-12939	78	5	the	the	DET
fbem-12939	78	6	sample	sample	NOUN
fbem-12939	78	7	size	size	NOUN
fbem-12939	78	8	reached	reach	VERB
fbem-12939	78	9	534	534	NUM
fbem-12939	78	10	,	,	PUNCT
fbem-12939	78	11	and	and	CCONJ
fbem-12939	78	12	phfaa	phfaa	NOUN
fbem-12939	78	13	is	be	AUX
fbem-12939	78	14	approximately	approximately	ADV
fbem-12939	78	15	normally	normally	ADV
fbem-12939	78	16	distributed	distribute	VERB
fbem-12939	78	17	.	.	PUNCT
fbem-12939	79	1	furthermore	furthermore	ADV
fbem-12939	79	2	,	,	PUNCT
fbem-12939	79	3	in	in	ADP
fbem-12939	79	4	independent	independent	ADJ
fbem-12939	79	5	samples	sample	NOUN
fbem-12939	79	6	t	t	NOUN
fbem-12939	79	7	-	-	PUNCT
fbem-12939	79	8	test	test	NOUN
fbem-12939	79	9	,	,	PUNCT
fbem-12939	79	10	when	when	SCONJ
fbem-12939	79	11	the	the	DET
fbem-12939	79	12	variances	variance	NOUN
fbem-12939	79	13	of	of	ADP
fbem-12939	79	14	the	the	DET
fbem-12939	79	15	two	two	NUM
fbem-12939	79	16	distributions	distribution	NOUN
fbem-12939	79	17	are	be	AUX
fbem-12939	79	18	equal	equal	ADJ
fbem-12939	79	19	,	,	PUNCT
fbem-12939	79	20	the	the	DET
fbem-12939	79	21	results	result	NOUN
fbem-12939	79	22	of	of	ADP
fbem-12939	79	23	the	the	DET
fbem-12939	79	24	t	t	NOUN
fbem-12939	79	25	-	-	PUNCT
fbem-12939	79	26	test	test	NOUN
fbem-12939	79	27	under	under	ADP
fbem-12939	79	28	the	the	DET
fbem-12939	79	29	assumption	assumption	NOUN
fbem-12939	79	30	of	of	ADP
fbem-12939	79	31	equal	equal	ADJ
fbem-12939	79	32	variances	variance	NOUN
fbem-12939	79	33	can	can	AUX
fbem-12939	79	34	be	be	AUX
fbem-12939	79	35	further	far	ADV
fbem-12939	79	36	examined	examine	VERB
fbem-12939	79	37	.	.	PUNCT
fbem-12939	80	1	however	however	ADV
fbem-12939	80	2	,	,	PUNCT
fbem-12939	80	3	if	if	SCONJ
fbem-12939	80	4	there	there	PRON
fbem-12939	80	5	is	be	VERB
fbem-12939	80	6	a	a	DET
fbem-12939	80	7	significant	significant	ADJ
fbem-12939	80	8	difference	difference	NOUN
fbem-12939	80	9	in	in	ADP
fbem-12939	80	10	the	the	DET
fbem-12939	80	11	variances	variance	NOUN
fbem-12939	80	12	between	between	ADP
fbem-12939	80	13	the	the	DET
fbem-12939	80	14	two	two	NUM
fbem-12939	80	15	distributions	distribution	NOUN
fbem-12939	80	16	,	,	PUNCT
fbem-12939	80	17	it	it	PRON
fbem-12939	80	18	is	be	AUX
fbem-12939	80	19	necessary	necessary	ADJ
fbem-12939	80	20	to	to	PART
fbem-12939	80	21	observe	observe	VERB
fbem-12939	80	22	the	the	DET
fbem-12939	80	23	results	result	NOUN
fbem-12939	80	24	of	of	ADP
fbem-12939	80	25	the	the	DET
fbem-12939	80	26	t	t	NOUN
fbem-12939	80	27	-	-	PUNCT
fbem-12939	80	28	test	test	NOUN
fbem-12939	80	29	under	under	ADP
fbem-12939	80	30	the	the	DET
fbem-12939	80	31	assumption	assumption	NOUN
fbem-12939	80	32	of	of	ADP
fbem-12939	80	33	unequal	unequal	ADJ
fbem-12939	80	34	variances	variance	NOUN
fbem-12939	80	35	(	(	PUNCT
fbem-12939	80	36	orcan	orcan	PROPN
fbem-12939	80	37	,	,	PUNCT
fbem-12939	80	38	2020	2020	NUM
fbem-12939	80	39	)	)	PUNCT
fbem-12939	80	40	.	.	PUNCT
fbem-12939	81	1	in	in	ADP
fbem-12939	81	2	the	the	DET
fbem-12939	81	3	context	context	NOUN
fbem-12939	81	4	of	of	ADP
fbem-12939	81	5	multiple	multiple	ADJ
fbem-12939	81	6	comparisons	comparison	NOUN
fbem-12939	81	7	,	,	PUNCT
fbem-12939	81	8	when	when	SCONJ
fbem-12939	81	9	variances	variance	NOUN
fbem-12939	81	10	are	be	AUX
fbem-12939	81	11	equal	equal	ADJ
fbem-12939	81	12	,	,	PUNCT
fbem-12939	81	13	researcher	researcher	NOUN
fbem-12939	81	14	can	can	AUX
fbem-12939	81	15	directly	directly	ADV
fbem-12939	81	16	observe	observe	VERB
fbem-12939	81	17	the	the	DET
fbem-12939	81	18	results	result	NOUN
fbem-12939	81	19	of	of	ADP
fbem-12939	81	20	one	one	NUM
fbem-12939	81	21	-	-	PUNCT
fbem-12939	81	22	way	way	NOUN
fbem-12939	81	23	anova	anova	PROPN
fbem-12939	81	24	.	.	PUNCT
fbem-12939	82	1	however	however	ADV
fbem-12939	82	2	,	,	PUNCT
fbem-12939	82	3	when	when	SCONJ
fbem-12939	82	4	variances	variance	NOUN
fbem-12939	82	5	are	be	AUX
fbem-12939	82	6	unequal	unequal	ADJ
fbem-12939	82	7	,	,	PUNCT
fbem-12939	82	8	welch	welch	PROPN
fbem-12939	82	9	’s	’s	PART
fbem-12939	82	10	anova	anova	PROPN
fbem-12939	82	11	result	result	PROPN
fbem-12939	82	12	is	be	AUX
fbem-12939	82	13	recommended	recommend	VERB
fbem-12939	82	14	for	for	ADP
fbem-12939	82	15	differential	differential	ADJ
fbem-12939	82	16	analysis	analysis	NOUN
fbem-12939	82	17	(	(	PUNCT
fbem-12939	82	18	delacre	delacre	PROPN
fbem-12939	82	19	et	et	PROPN
fbem-12939	82	20	al	al	PROPN
fbem-12939	82	21	.	.	PROPN
fbem-12939	82	22	,	,	PUNCT
fbem-12939	82	23	2019	2019	NUM
fbem-12939	82	24	)	)	PUNCT
fbem-12939	82	25	.	.	PUNCT
fbem-12939	83	1	4	4	X
fbem-12939	83	2	.	.	X
fbem-12939	83	3	main	main	ADJ
fbem-12939	83	4	findings	finding	NOUN
fbem-12939	83	5	due	due	ADP
fbem-12939	83	6	to	to	ADP
fbem-12939	83	7	the	the	DET
fbem-12939	83	8	gender	gender	NOUN
fbem-12939	83	9	of	of	ADP
fbem-12939	83	10	the	the	DET
fbem-12939	83	11	household	household	NOUN
fbem-12939	83	12	head	head	NOUN
fbem-12939	83	13	being	be	AUX
fbem-12939	83	14	characterized	characterize	VERB
fbem-12939	83	15	as	as	ADP
fbem-12939	83	16	either	either	CCONJ
fbem-12939	83	17	male	male	ADJ
fbem-12939	83	18	or	or	CCONJ
fbem-12939	83	19	female	female	NOUN
fbem-12939	83	20	,	,	PUNCT
fbem-12939	83	21	an	an	DET
fbem-12939	83	22	independent	independent	ADJ
fbem-12939	83	23	samples	sample	NOUN
fbem-12939	83	24	t	t	NOUN
fbem-12939	83	25	-	-	PUNCT
fbem-12939	83	26	test	test	NOUN
fbem-12939	83	27	can	can	AUX
fbem-12939	83	28	be	be	AUX
fbem-12939	83	29	used	use	VERB
fbem-12939	83	30	to	to	PART
fbem-12939	83	31	identify	identify	VERB
fbem-12939	83	32	whether	whether	SCONJ
fbem-12939	83	33	there	there	PRON
fbem-12939	83	34	is	be	VERB
fbem-12939	83	35	a	a	DET
fbem-12939	83	36	statistically	statistically	ADV
fbem-12939	83	37	significant	significant	ADJ
fbem-12939	83	38	difference	difference	NOUN
fbem-12939	83	39	in	in	ADP
fbem-12939	83	40	the	the	DET
fbem-12939	83	41	overall	overall	ADJ
fbem-12939	83	42	means	mean	NOUN
fbem-12939	83	43	of	of	ADP
fbem-12939	83	44	the	the	DET
fbem-12939	83	45	two	two	NUM
fbem-12939	83	46	samples	sample	NOUN
fbem-12939	83	47	concerning	concern	VERB
fbem-12939	83	48	phfaa	phfaa	NOUN
fbem-12939	83	49	.	.	PUNCT
fbem-12939	84	1	table	table	NOUN
fbem-12939	84	2	1	1	NUM
fbem-12939	84	3	presents	present	VERB
fbem-12939	84	4	the	the	DET
fbem-12939	84	5	results	result	NOUN
fbem-12939	84	6	of	of	ADP
fbem-12939	84	7	the	the	DET
fbem-12939	84	8	independent	independent	ADJ
fbem-12939	84	9	samples	sample	NOUN
fbem-12939	84	10	t	t	NOUN
fbem-12939	84	11	-	-	PUNCT
fbem-12939	84	12	test	test	NOUN
fbem-12939	84	13	for	for	ADP
fbem-12939	84	14	gender	gender	NOUN
fbem-12939	84	15	with	with	ADP
fbem-12939	84	16	respect	respect	NOUN
fbem-12939	84	17	to	to	ADP
fbem-12939	84	18	phfaa	phfaa	NOUN
fbem-12939	84	19	.	.	PUNCT
fbem-12939	85	1	since	since	SCONJ
fbem-12939	85	2	the	the	DET
fbem-12939	85	3	significance	significance	NOUN
fbem-12939	85	4	level	level	NOUN
fbem-12939	85	5	of	of	ADP
fbem-12939	85	6	levene	levene	NOUN
fbem-12939	85	7	's	's	PART
fbem-12939	85	8	test	test	NOUN
fbem-12939	85	9	is	be	AUX
fbem-12939	85	10	less	less	ADJ
fbem-12939	85	11	than	than	ADP
fbem-12939	85	12	0.001	0.001	NUM
fbem-12939	85	13	,	,	PUNCT
fbem-12939	85	14	it	it	PRON
fbem-12939	85	15	indicates	indicate	VERB
fbem-12939	85	16	heterogeneity	heterogeneity	NOUN
fbem-12939	85	17	in	in	ADP
fbem-12939	85	18	variance	variance	NOUN
fbem-12939	85	19	between	between	ADP
fbem-12939	85	20	the	the	DET
fbem-12939	85	21	male	male	ADJ
fbem-12939	85	22	and	and	CCONJ
fbem-12939	85	23	female	female	ADJ
fbem-12939	85	24	samples	sample	NOUN
fbem-12939	85	25	.	.	PUNCT
fbem-12939	86	1	therefore	therefore	ADV
fbem-12939	86	2	,	,	PUNCT
fbem-12939	86	3	it	it	PRON
fbem-12939	86	4	is	be	AUX
fbem-12939	86	5	necessary	necessary	ADJ
fbem-12939	86	6	to	to	PART
fbem-12939	86	7	examine	examine	VERB
fbem-12939	86	8	the	the	DET
fbem-12939	86	9	results	result	NOUN
fbem-12939	86	10	under	under	ADP
fbem-12939	86	11	the	the	DET
fbem-12939	86	12	assumption	assumption	NOUN
fbem-12939	86	13	of	of	ADP
fbem-12939	86	14	variance	variance	NOUN
fbem-12939	86	15	19	19	NUM
fbem-12939	86	16	inequality	inequality	NOUN
fbem-12939	86	17	,	,	PUNCT
fbem-12939	86	18	as	as	SCONJ
fbem-12939	86	19	shown	show	VERB
fbem-12939	86	20	in	in	ADP
fbem-12939	86	21	the	the	DET
fbem-12939	86	22	second	second	ADJ
fbem-12939	86	23	row	row	NOUN
fbem-12939	86	24	of	of	ADP
fbem-12939	86	25	table	table	NOUN
fbem-12939	86	26	1	1	NUM
fbem-12939	86	27	.	.	PUNCT
fbem-12939	86	28	correspondingly	correspondingly	ADV
fbem-12939	86	29	,	,	PUNCT
fbem-12939	86	30	the	the	DET
fbem-12939	86	31	significance	significance	NOUN
fbem-12939	86	32	level	level	NOUN
fbem-12939	86	33	of	of	ADP
fbem-12939	86	34	the	the	DET
fbem-12939	86	35	t	t	NOUN
fbem-12939	86	36	-	-	PUNCT
fbem-12939	86	37	test	test	NOUN
fbem-12939	86	38	is	be	AUX
fbem-12939	86	39	less	less	ADJ
fbem-12939	86	40	than	than	ADP
fbem-12939	86	41	0.001	0.001	NUM
fbem-12939	86	42	,	,	PUNCT
fbem-12939	86	43	suggesting	suggest	VERB
fbem-12939	86	44	a	a	DET
fbem-12939	86	45	significant	significant	ADJ
fbem-12939	86	46	difference	difference	NOUN
fbem-12939	86	47	in	in	ADP
fbem-12939	86	48	phfaa	phfaa	NOUN
fbem-12939	86	49	among	among	ADP
fbem-12939	86	50	household	household	NOUN
fbem-12939	86	51	heads	head	NOUN
fbem-12939	86	52	of	of	ADP
fbem-12939	86	53	different	different	ADJ
fbem-12939	86	54	genders	gender	NOUN
fbem-12939	86	55	.	.	PUNCT
fbem-12939	87	1	thus	thus	ADV
fbem-12939	87	2	,	,	PUNCT
fbem-12939	87	3	hypothesis	hypothesis	NOUN
fbem-12939	87	4	h1	h1	NOUN
fbem-12939	87	5	is	be	AUX
fbem-12939	87	6	confirmed	confirm	VERB
fbem-12939	87	7	.	.	PUNCT
fbem-12939	88	1	the	the	DET
fbem-12939	88	2	disparities	disparity	NOUN
fbem-12939	88	3	in	in	ADP
fbem-12939	88	4	phfaa	phfaa	NOUN
fbem-12939	88	5	between	between	ADP
fbem-12939	88	6	genders	gender	NOUN
fbem-12939	88	7	can	can	AUX
fbem-12939	88	8	be	be	AUX
fbem-12939	88	9	attributed	attribute	VERB
fbem-12939	88	10	to	to	ADP
fbem-12939	88	11	the	the	DET
fbem-12939	88	12	influence	influence	NOUN
fbem-12939	88	13	of	of	ADP
fbem-12939	88	14	traditional	traditional	ADJ
fbem-12939	88	15	chinese	chinese	ADJ
fbem-12939	88	16	social	social	ADJ
fbem-12939	88	17	and	and	CCONJ
fbem-12939	88	18	cultural	cultural	ADJ
fbem-12939	88	19	values	value	NOUN
fbem-12939	88	20	,	,	PUNCT
fbem-12939	88	21	as	as	ADV
fbem-12939	88	22	well	well	ADV
fbem-12939	88	23	as	as	ADP
fbem-12939	88	24	family	family	NOUN
fbem-12939	88	25	norms	norm	NOUN
fbem-12939	88	26	.	.	PUNCT
fbem-12939	89	1	these	these	DET
fbem-12939	89	2	factors	factor	NOUN
fbem-12939	89	3	have	have	AUX
fbem-12939	89	4	led	lead	VERB
fbem-12939	89	5	to	to	ADP
fbem-12939	89	6	a	a	DET
fbem-12939	89	7	scenario	scenario	NOUN
fbem-12939	89	8	where	where	SCONJ
fbem-12939	89	9	male	male	NOUN
fbem-12939	89	10	assume	assume	VERB
fbem-12939	89	11	a	a	DET
fbem-12939	89	12	greater	great	ADJ
fbem-12939	89	13	responsibility	responsibility	NOUN
fbem-12939	89	14	for	for	ADP
fbem-12939	89	15	making	make	VERB
fbem-12939	89	16	financial	financial	ADJ
fbem-12939	89	17	decisions	decision	NOUN
fbem-12939	89	18	within	within	ADP
fbem-12939	89	19	the	the	DET
fbem-12939	89	20	family	family	NOUN
fbem-12939	89	21	.	.	PUNCT
fbem-12939	90	1	as	as	ADP
fbem-12939	90	2	a	a	DET
fbem-12939	90	3	result	result	NOUN
fbem-12939	90	4	,	,	PUNCT
fbem-12939	90	5	they	they	PRON
fbem-12939	90	6	are	be	AUX
fbem-12939	90	7	more	more	ADV
fbem-12939	90	8	inclined	inclined	ADJ
fbem-12939	90	9	to	to	PART
fbem-12939	90	10	invest	invest	VERB
fbem-12939	90	11	time	time	NOUN
fbem-12939	90	12	and	and	CCONJ
fbem-12939	90	13	effort	effort	NOUN
fbem-12939	90	14	in	in	ADP
fbem-12939	90	15	managing	manage	VERB
fbem-12939	90	16	household	household	NOUN
fbem-12939	90	17	financial	financial	ADJ
fbem-12939	90	18	assets	asset	NOUN
fbem-12939	90	19	.	.	PUNCT
fbem-12939	91	1	this	this	DET
fbem-12939	91	2	situation	situation	NOUN
fbem-12939	91	3	manifests	manifest	VERB
fbem-12939	91	4	in	in	ADP
fbem-12939	91	5	differences	difference	NOUN
fbem-12939	91	6	in	in	ADP
fbem-12939	91	7	phfaa	phfaa	NOUN
fbem-12939	91	8	between	between	ADP
fbem-12939	91	9	genders	gender	NOUN
fbem-12939	91	10	.	.	PUNCT
fbem-12939	92	1	table	table	NOUN
fbem-12939	92	2	1	1	NUM
fbem-12939	92	3	.	.	PUNCT
fbem-12939	93	1	independent	independent	ADJ
fbem-12939	93	2	sample	sample	PROPN
fbem-12939	93	3	t	t	PROPN
fbem-12939	93	4	-	-	PUNCT
fbem-12939	93	5	test	test	NOUN
fbem-12939	93	6	results	result	NOUN
fbem-12939	93	7	of	of	ADP
fbem-12939	93	8	gender	gender	NOUN
fbem-12939	93	9	on	on	ADP
fbem-12939	93	10	phfaa	phfaa	NOUN
fbem-12939	93	11	levens	levens	PROPN
fbem-12939	93	12	-	-	PUNCT
fbem-12939	93	13	test	test	NOUN
fbem-12939	93	14	t	t	NOUN
fbem-12939	93	15	-	-	PUNCT
fbem-12939	93	16	test	test	NOUN
fbem-12939	93	17	phfaa	phfaa	NOUN
fbem-12939	93	18	f	f	PROPN
fbem-12939	93	19	sig	sig	PROPN
fbem-12939	93	20	.	.	PROPN
fbem-12939	94	1	t	t	PROPN
fbem-12939	94	2	df	df	PROPN
fbem-12939	94	3	sig.(2	sig.(2	PROPN
fbem-12939	94	4	-	-	PUNCT
fbem-12939	94	5	tailed	tailed	ADJ
fbem-12939	94	6	)	)	PUNCT
fbem-12939	94	7	equal	equal	ADJ
fbem-12939	94	8	variance	variance	NOUN
fbem-12939	94	9	assumed	assume	VERB
fbem-12939	94	10	62.77	62.77	NUM
fbem-12939	94	11	<	<	X
fbem-12939	94	12	0.001	0.001	NUM
fbem-12939	94	13	21.775	21.775	NUM
fbem-12939	94	14	532	532	NUM
fbem-12939	94	15	<	<	NOUN
fbem-12939	94	16	0.001	0.001	NUM
fbem-12939	94	17	*	*	PUNCT
fbem-12939	94	18	*	*	PUNCT
fbem-12939	94	19	*	*	PUNCT
fbem-12939	94	20	equal	equal	ADJ
fbem-12939	94	21	variance	variance	NOUN
fbem-12939	94	22	not	not	PART
fbem-12939	94	23	assumed	assume	VERB
fbem-12939	94	24	23.223	23.223	NUM
fbem-12939	94	25	517	517	NUM
fbem-12939	94	26	<	<	NOUN
fbem-12939	94	27	0.001	0.001	NUM
fbem-12939	94	28	*	*	PUNCT
fbem-12939	94	29	*	*	PUNCT
fbem-12939	94	30	*	*	NOUN
fbem-12939	94	31	notes	note	NOUN
fbem-12939	94	32	:	:	PUNCT
fbem-12939	94	33	*	*	PUNCT
fbem-12939	94	34	*	*	PUNCT
fbem-12939	94	35	*	*	PUNCT
fbem-12939	94	36	,	,	PUNCT
fbem-12939	94	37	*	*	PUNCT
fbem-12939	94	38	*	*	PUNCT
fbem-12939	94	39	,	,	PUNCT
fbem-12939	94	40	*	*	PUNCT
fbem-12939	94	41	indicate	indicate	VERB
fbem-12939	94	42	statistical	statistical	ADJ
fbem-12939	94	43	significance	significance	NOUN
fbem-12939	94	44	at	at	ADP
fbem-12939	94	45	the	the	DET
fbem-12939	94	46	1	1	NUM
fbem-12939	94	47	%	%	NOUN
fbem-12939	94	48	,	,	PUNCT
fbem-12939	94	49	5	5	NUM
fbem-12939	94	50	%	%	NOUN
fbem-12939	94	51	,	,	PUNCT
fbem-12939	94	52	and	and	CCONJ
fbem-12939	94	53	10	10	NUM
fbem-12939	94	54	%	%	NOUN
fbem-12939	94	55	levels	level	NOUN
fbem-12939	94	56	.	.	PUNCT
fbem-12939	95	1	table	table	NOUN
fbem-12939	95	2	2	2	NUM
fbem-12939	95	3	presents	present	VERB
fbem-12939	95	4	the	the	DET
fbem-12939	95	5	results	result	NOUN
fbem-12939	95	6	of	of	ADP
fbem-12939	95	7	the	the	DET
fbem-12939	95	8	one	one	NUM
fbem-12939	95	9	-	-	PUNCT
fbem-12939	95	10	way	way	NOUN
fbem-12939	95	11	anova	anova	PROPN
fbem-12939	95	12	analysis	analysis	NOUN
fbem-12939	95	13	of	of	ADP
fbem-12939	95	14	variables	variable	NOUN
fbem-12939	95	15	of	of	ADP
fbem-12939	95	16	age	age	NOUN
fbem-12939	95	17	,	,	PUNCT
fbem-12939	95	18	marriage	marriage	NOUN
fbem-12939	95	19	,	,	PUNCT
fbem-12939	95	20	education	education	NOUN
fbem-12939	95	21	,	,	PUNCT
fbem-12939	95	22	household	household	NOUN
fbem-12939	95	23	size	size	NOUN
fbem-12939	95	24	,	,	PUNCT
fbem-12939	95	25	and	and	CCONJ
fbem-12939	95	26	income	income	NOUN
fbem-12939	95	27	concerning	concern	VERB
fbem-12939	95	28	phfaa	phfaa	NOUN
fbem-12939	95	29	.	.	PUNCT
fbem-12939	96	1	the	the	DET
fbem-12939	96	2	results	result	NOUN
fbem-12939	96	3	of	of	ADP
fbem-12939	96	4	agebased	agebase	VERB
fbem-12939	96	5	anova	anova	PROPN
fbem-12939	96	6	showed	show	VERB
fbem-12939	96	7	that	that	SCONJ
fbem-12939	96	8	the	the	DET
fbem-12939	96	9	majority	majority	NOUN
fbem-12939	96	10	of	of	ADP
fbem-12939	96	11	household	household	NOUN
fbem-12939	96	12	samples	sample	NOUN
fbem-12939	96	13	are	be	AUX
fbem-12939	96	14	in	in	ADP
fbem-12939	96	15	the	the	DET
fbem-12939	96	16	age	age	NOUN
fbem-12939	96	17	group	group	NOUN
fbem-12939	96	18	of	of	ADP
fbem-12939	96	19	25	25	NUM
fbem-12939	96	20	to	to	PART
fbem-12939	96	21	40	40	NUM
fbem-12939	96	22	,	,	PUNCT
fbem-12939	96	23	while	while	SCONJ
fbem-12939	96	24	the	the	DET
fbem-12939	96	25	fewest	few	ADJ
fbem-12939	96	26	samples	sample	NOUN
fbem-12939	96	27	belong	belong	VERB
fbem-12939	96	28	to	to	ADP
fbem-12939	96	29	the	the	DET
fbem-12939	96	30	70	70	NUM
fbem-12939	96	31	and	and	CCONJ
fbem-12939	96	32	above	above	ADP
fbem-12939	96	33	age	age	NOUN
fbem-12939	96	34	group	group	NOUN
fbem-12939	96	35	.	.	PUNCT
fbem-12939	97	1	the	the	DET
fbem-12939	97	2	significance	significance	NOUN
fbem-12939	97	3	level	level	NOUN
fbem-12939	97	4	of	of	ADP
fbem-12939	97	5	the	the	DET
fbem-12939	97	6	levene	levene	NOUN
fbem-12939	97	7	statistic	statistic	NOUN
fbem-12939	97	8	is	be	AUX
fbem-12939	97	9	0.38	0.38	NUM
fbem-12939	97	10	,	,	PUNCT
fbem-12939	97	11	which	which	PRON
fbem-12939	97	12	is	be	AUX
fbem-12939	97	13	greater	great	ADJ
fbem-12939	97	14	than	than	ADP
fbem-12939	97	15	0.05	0.05	NUM
fbem-12939	97	16	,	,	PUNCT
fbem-12939	97	17	confirming	confirm	VERB
fbem-12939	97	18	the	the	DET
fbem-12939	97	19	assumption	assumption	NOUN
fbem-12939	97	20	of	of	ADP
fbem-12939	97	21	homogeneity	homogeneity	NOUN
fbem-12939	97	22	of	of	ADP
fbem-12939	97	23	variances	variance	NOUN
fbem-12939	97	24	.	.	PUNCT
fbem-12939	98	1	further	further	ADJ
fbem-12939	98	2	analysis	analysis	NOUN
fbem-12939	98	3	using	use	VERB
fbem-12939	98	4	anova	anova	PROPN
fbem-12939	98	5	produces	produce	VERB
fbem-12939	98	6	an	an	DET
fbem-12939	98	7	fvalue	fvalue	NOUN
fbem-12939	98	8	of	of	ADP
fbem-12939	98	9	0.79	0.79	NUM
fbem-12939	98	10	,	,	PUNCT
fbem-12939	98	11	with	with	ADP
fbem-12939	98	12	a	a	DET
fbem-12939	98	13	p	p	NOUN
fbem-12939	98	14	-	-	PUNCT
fbem-12939	98	15	value	value	NOUN
fbem-12939	98	16	greater	great	ADJ
fbem-12939	98	17	than	than	ADP
fbem-12939	98	18	0.05	0.05	NUM
fbem-12939	98	19	,	,	PUNCT
fbem-12939	98	20	indicating	indicate	VERB
fbem-12939	98	21	no	no	DET
fbem-12939	98	22	significant	significant	ADJ
fbem-12939	98	23	differences	difference	NOUN
fbem-12939	98	24	in	in	ADP
fbem-12939	98	25	phfaa	phfaa	NOUN
fbem-12939	98	26	among	among	ADP
fbem-12939	98	27	different	different	ADJ
fbem-12939	98	28	age	age	NOUN
fbem-12939	98	29	groups	group	NOUN
fbem-12939	98	30	.	.	PUNCT
fbem-12939	99	1	therefore	therefore	ADV
fbem-12939	99	2	,	,	PUNCT
fbem-12939	99	3	hypothesis	hypothesis	NOUN
fbem-12939	99	4	h2	h2	NOUN
fbem-12939	99	5	is	be	AUX
fbem-12939	99	6	rejected	reject	VERB
fbem-12939	99	7	.	.	PUNCT
fbem-12939	100	1	the	the	DET
fbem-12939	100	2	impact	impact	NOUN
fbem-12939	100	3	of	of	ADP
fbem-12939	100	4	marital	marital	ADJ
fbem-12939	100	5	status	status	NOUN
fbem-12939	100	6	on	on	ADP
fbem-12939	100	7	phfaa	phfaa	NOUN
fbem-12939	100	8	is	be	AUX
fbem-12939	100	9	investigated	investigate	VERB
fbem-12939	100	10	across	across	ADP
fbem-12939	100	11	three	three	NUM
fbem-12939	100	12	groups	group	NOUN
fbem-12939	100	13	.	.	PUNCT
fbem-12939	101	1	the	the	DET
fbem-12939	101	2	number	number	NOUN
fbem-12939	101	3	of	of	ADP
fbem-12939	101	4	married	married	ADJ
fbem-12939	101	5	household	household	NOUN
fbem-12939	101	6	samples	sample	NOUN
fbem-12939	101	7	reach	reach	VERB
fbem-12939	101	8	449	449	NUM
fbem-12939	101	9	,	,	PUNCT
fbem-12939	101	10	with	with	ADP
fbem-12939	101	11	a	a	DET
fbem-12939	101	12	mean	mean	NOUN
fbem-12939	101	13	of	of	ADP
fbem-12939	101	14	phfaa	phfaa	NOUN
fbem-12939	101	15	higher	high	ADJ
fbem-12939	101	16	than	than	ADP
fbem-12939	101	17	unmarried	unmarried	ADJ
fbem-12939	101	18	and	and	CCONJ
fbem-12939	101	19	other	other	ADJ
fbem-12939	101	20	types	type	NOUN
fbem-12939	101	21	of	of	ADP
fbem-12939	101	22	households	household	NOUN
fbem-12939	101	23	.	.	PUNCT
fbem-12939	102	1	since	since	SCONJ
fbem-12939	102	2	the	the	DET
fbem-12939	102	3	significance	significance	NOUN
fbem-12939	102	4	level	level	NOUN
fbem-12939	102	5	of	of	ADP
fbem-12939	102	6	the	the	DET
fbem-12939	102	7	levene	levene	NOUN
fbem-12939	102	8	statistic	statistic	NOUN
fbem-12939	102	9	is	be	AUX
fbem-12939	102	10	less	less	ADJ
fbem-12939	102	11	than	than	ADP
fbem-12939	102	12	0.001	0.001	NUM
fbem-12939	102	13	and	and	CCONJ
fbem-12939	102	14	does	do	AUX
fbem-12939	102	15	not	not	PART
fbem-12939	102	16	meet	meet	VERB
fbem-12939	102	17	the	the	DET
fbem-12939	102	18	assumption	assumption	NOUN
fbem-12939	102	19	of	of	ADP
fbem-12939	102	20	homogeneity	homogeneity	NOUN
fbem-12939	102	21	of	of	ADP
fbem-12939	102	22	variance	variance	NOUN
fbem-12939	102	23	,	,	PUNCT
fbem-12939	102	24	the	the	DET
fbem-12939	102	25	corrected	correct	VERB
fbem-12939	102	26	welch	welch	PROPN
fbem-12939	102	27	anova	anova	PROPN
fbem-12939	102	28	is	be	AUX
fbem-12939	102	29	employed	employ	VERB
fbem-12939	102	30	for	for	ADP
fbem-12939	102	31	the	the	DET
fbem-12939	102	32	test	test	NOUN
fbem-12939	102	33	.	.	PUNCT
fbem-12939	103	1	the	the	DET
fbem-12939	103	2	asymptotic	asymptotic	ADJ
fbem-12939	103	3	f	f	NOUN
fbem-12939	103	4	-	-	PUNCT
fbem-12939	103	5	test	test	NOUN
fbem-12939	103	6	yields	yield	VERB
fbem-12939	103	7	a	a	DET
fbem-12939	103	8	p	p	NOUN
fbem-12939	103	9	-	-	PUNCT
fbem-12939	103	10	value	value	NOUN
fbem-12939	103	11	less	less	ADJ
fbem-12939	103	12	than	than	ADP
fbem-12939	103	13	0.001	0.001	NUM
fbem-12939	103	14	,	,	PUNCT
fbem-12939	103	15	indicating	indicate	VERB
fbem-12939	103	16	statistically	statistically	ADV
fbem-12939	103	17	significant	significant	ADJ
fbem-12939	103	18	differences	difference	NOUN
fbem-12939	103	19	in	in	ADP
fbem-12939	103	20	phfaa	phfaa	NOUN
fbem-12939	103	21	across	across	ADP
fbem-12939	103	22	marital	marital	ADJ
fbem-12939	103	23	status	status	NOUN
fbem-12939	103	24	.	.	PUNCT
fbem-12939	104	1	hypothesis	hypothesis	NOUN
fbem-12939	104	2	h3	h3	NOUN
fbem-12939	104	3	is	be	AUX
fbem-12939	104	4	supported	support	VERB
fbem-12939	104	5	.	.	PUNCT
fbem-12939	105	1	married	married	ADJ
fbem-12939	105	2	families	family	NOUN
fbem-12939	105	3	can	can	AUX
fbem-12939	105	4	collaborate	collaborate	VERB
fbem-12939	105	5	to	to	AUX
fbem-12939	105	6	co	co	VERB
fbem-12939	105	7	-	-	VERB
fbem-12939	105	8	manage	manage	VERB
fbem-12939	105	9	family	family	NOUN
fbem-12939	105	10	wealth	wealth	NOUN
fbem-12939	105	11	,	,	PUNCT
fbem-12939	105	12	not	not	PART
fbem-12939	105	13	just	just	ADV
fbem-12939	105	14	personal	personal	ADJ
fbem-12939	105	15	finances	finance	NOUN
fbem-12939	105	16	.	.	PUNCT
fbem-12939	106	1	this	this	DET
fbem-12939	106	2	collaboration	collaboration	NOUN
fbem-12939	106	3	may	may	AUX
fbem-12939	106	4	result	result	VERB
fbem-12939	106	5	in	in	ADP
fbem-12939	106	6	better	well	ADJ
fbem-12939	106	7	financial	financial	ADJ
fbem-12939	106	8	planning	planning	NOUN
fbem-12939	106	9	and	and	CCONJ
fbem-12939	106	10	performance	performance	NOUN
fbem-12939	106	11	.	.	PUNCT
fbem-12939	107	1	table	table	NOUN
fbem-12939	107	2	2	2	NUM
fbem-12939	108	1	.	.	X
fbem-12939	108	2	anova	anova	PROPN
fbem-12939	108	3	for	for	ADP
fbem-12939	108	4	significant	significant	ADJ
fbem-12939	108	5	difference	difference	NOUN
fbem-12939	108	6	among	among	ADP
fbem-12939	108	7	demographic	demographic	ADJ
fbem-12939	108	8	variables	variable	NOUN
fbem-12939	108	9	and	and	CCONJ
fbem-12939	108	10	phfaa	phfaa	VERB
fbem-12939	108	11	variable	variable	ADJ
fbem-12939	108	12	group	group	PROPN
fbem-12939	108	13	n	n	CCONJ
fbem-12939	108	14	m	m	PROPN
fbem-12939	108	15	±	±	PROPN
fbem-12939	108	16	sd	sd	PROPN
fbem-12939	108	17	levene	levene	PROPN
fbem-12939	108	18	sig	sig	PROPN
fbem-12939	108	19	.	.	PUNCT
fbem-12939	109	1	type	type	PROPN
fbem-12939	109	2	f	f	PROPN
fbem-12939	109	3	sig	sig	NOUN
fbem-12939	109	4	age	age	NOUN
fbem-12939	109	5	<	<	X
fbem-12939	109	6	25	25	NUM
fbem-12939	109	7	44	44	NUM
fbem-12939	109	8	3.57±0.95	3.57±0.95	NOUN
fbem-12939	109	9	0.38	0.38	NUM
fbem-12939	109	10	anova	anova	PROPN
fbem-12939	109	11	0.79	0.79	NUM
fbem-12939	109	12	0.530	0.530	NUM
fbem-12939	109	13	25	25	NUM
fbem-12939	109	14	-	-	SYM
fbem-12939	109	15	40	40	NUM
fbem-12939	109	16	252	252	NUM
fbem-12939	109	17	3.71±0.83	3.71±0.83	NUM
fbem-12939	109	18	41	41	NUM
fbem-12939	109	19	-	-	SYM
fbem-12939	109	20	55	55	NUM
fbem-12939	109	21	163	163	NUM
fbem-12939	109	22	3.64±0.84	3.64±0.84	NUM
fbem-12939	109	23	56	56	NUM
fbem-12939	109	24	-	-	SYM
fbem-12939	109	25	70	70	NUM
fbem-12939	109	26	65	65	NUM
fbem-12939	109	27	3.83±0.80	3.83±0.80	NUM
fbem-12939	109	28	>	>	SYM
fbem-12939	109	29	70	70	NUM
fbem-12939	109	30	10	10	NUM
fbem-12939	109	31	3.72±1.01	3.72±1.01	NUM
fbem-12939	109	32	marriage	marriage	NOUN
fbem-12939	109	33	married	marry	VERB
fbem-12939	109	34	449	449	NUM
fbem-12939	109	35	3.82±0.76	3.82±0.76	NUM
fbem-12939	109	36	0.006	0.006	NUM
fbem-12939	109	37	welch	welch	PROPN
fbem-12939	109	38	anova	anova	PROPN
fbem-12939	109	39	89.15	89.15	NUM
fbem-12939	109	40	<	<	X
fbem-12939	109	41	0.001	0.001	NUM
fbem-12939	109	42	*	*	PUNCT
fbem-12939	109	43	*	*	PUNCT
fbem-12939	109	44	*	*	PUNCT
fbem-12939	109	45	unmarried	unmarried	ADJ
fbem-12939	109	46	65	65	NUM
fbem-12939	109	47	3.47±0.62	3.47±0.62	NUM
fbem-12939	109	48	others	other	NOUN
fbem-12939	109	49	20	20	NUM
fbem-12939	109	50	1.62±0.34	1.62±0.34	NUM
fbem-12939	109	51	education	education	NOUN
fbem-12939	109	52	below	below	ADP
fbem-12939	109	53	diploma	diploma	NOUN
fbem-12939	109	54	16	16	NUM
fbem-12939	109	55	1.36±0.12	1.36±0.12	NUM
fbem-12939	109	56	<	<	X
fbem-12939	109	57	0.001	0.001	NUM
fbem-12939	109	58	welch	welch	PROPN
fbem-12939	109	59	anova	anova	PROPN
fbem-12939	109	60	985.72	985.72	NUM
fbem-12939	109	61	<	<	NOUN
fbem-12939	109	62	0.001	0.001	NUM
fbem-12939	109	63	*	*	PUNCT
fbem-12939	109	64	*	*	PUNCT
fbem-12939	109	65	*	*	PUNCT
fbem-12939	109	66	diploma	diploma	NOUN
fbem-12939	109	67	212	212	NUM
fbem-12939	109	68	3.00±0.47	3.00±0.47	NUM
fbem-12939	109	69	bachelor	bachelor	NOUN
fbem-12939	109	70	204	204	NUM
fbem-12939	109	71	4.07±0.20	4.07±0.20	NUM
fbem-12939	109	72	mater	mater	NOUN
fbem-12939	109	73	or	or	CCONJ
fbem-12939	109	74	above	above	ADP
fbem-12939	109	75	102	102	NUM
fbem-12939	109	76	4.72±0.13	4.72±0.13	NUM
fbem-12939	109	77	household	household	NOUN
fbem-12939	109	78	size	size	NOUN
fbem-12939	109	79	2	2	NUM
fbem-12939	109	80	44	44	NUM
fbem-12939	109	81	3.70±0.87	3.70±0.87	NUM
fbem-12939	109	82	0.466	0.466	NUM
fbem-12939	109	83	anova	anova	PROPN
fbem-12939	109	84	1.675	1.675	NUM
fbem-12939	109	85	0.171	0.171	NUM
fbem-12939	109	86	3	3	NUM
fbem-12939	109	87	327	327	NUM
fbem-12939	109	88	3.75±0.81	3.75±0.81	NUM
fbem-12939	109	89	4	4	NUM
fbem-12939	109	90	-	-	SYM
fbem-12939	109	91	5	5	NUM
fbem-12939	109	92	130	130	NUM
fbem-12939	109	93	3.56±0.92	3.56±0.92	NUM
fbem-12939	109	94	6	6	NUM
fbem-12939	109	95	and	and	CCONJ
fbem-12939	109	96	above	above	ADP
fbem-12939	109	97	33	33	NUM
fbem-12939	109	98	3.60±0.83	3.60±0.83	ADJ
fbem-12939	109	99	income	income	NOUN
fbem-12939	109	100	below	below	ADP
fbem-12939	109	101	5000	5000	NUM
fbem-12939	109	102	194	194	NUM
fbem-12939	109	103	3.07±0.76	3.07±0.76	NUM
fbem-12939	109	104	<	<	SYM
fbem-12939	109	105	0.001	0.001	NUM
fbem-12939	109	106	welch	welch	PROPN
fbem-12939	109	107	anova	anova	PROPN
fbem-12939	109	108	77.79	77.79	NUM
fbem-12939	109	109	<	<	X
fbem-12939	109	110	0.001	0.001	NUM
fbem-12939	109	111	*	*	PUNCT
fbem-12939	109	112	*	*	PUNCT
fbem-12939	109	113	*	*	PUNCT
fbem-12939	109	114	5000	5000	NUM
fbem-12939	109	115	-	-	SYM
fbem-12939	109	116	10000	10000	NUM
fbem-12939	109	117	191	191	NUM
fbem-12939	109	118	3.85±0.65	3.85±0.65	NUM
fbem-12939	109	119	10000	10000	NUM
fbem-12939	109	120	-	-	SYM
fbem-12939	109	121	30000	30000	NUM
fbem-12939	109	122	65	65	NUM
fbem-12939	109	123	4.23±0.33	4.23±0.33	NUM
fbem-12939	109	124	30000	30000	NUM
fbem-12939	109	125	-	-	SYM
fbem-12939	109	126	50000	50000	NUM
fbem-12939	109	127	66	66	NUM
fbem-12939	109	128	4.19±0.77	4.19±0.77	NOUN
fbem-12939	109	129	above	above	ADP
fbem-12939	109	130	50000	50000	NUM
fbem-12939	109	131	18	18	NUM
fbem-12939	109	132	4.94±0.05	4.94±0.05	NOUN
fbem-12939	109	133	note	note	NOUN
fbem-12939	109	134	:	:	PUNCT
fbem-12939	109	135	f	f	PROPN
fbem-12939	109	136	and	and	CCONJ
fbem-12939	109	137	sig	sig	NOUN
fbem-12939	109	138	in	in	ADP
fbem-12939	109	139	welch	welch	NOUN
fbem-12939	109	140	analysis	analysis	NOUN
fbem-12939	109	141	are	be	AUX
fbem-12939	109	142	asymptotically	asymptotically	ADV
fbem-12939	109	143	f	f	NOUN
fbem-12939	109	144	distributed	distribute	VERB
fbem-12939	109	145	.	.	PUNCT
fbem-12939	110	1	*	*	PUNCT
fbem-12939	111	1	*	*	PUNCT
fbem-12939	111	2	*	*	PUNCT
fbem-12939	111	3	,	,	PUNCT
fbem-12939	111	4	*	*	PUNCT
fbem-12939	111	5	*	*	PUNCT
fbem-12939	111	6	,	,	PUNCT
fbem-12939	111	7	*	*	PUNCT
fbem-12939	111	8	indicate	indicate	VERB
fbem-12939	111	9	statistical	statistical	ADJ
fbem-12939	111	10	significance	significance	NOUN
fbem-12939	111	11	at	at	ADP
fbem-12939	111	12	the	the	DET
fbem-12939	111	13	1	1	NUM
fbem-12939	111	14	%	%	NOUN
fbem-12939	111	15	,	,	PUNCT
fbem-12939	111	16	5	5	NUM
fbem-12939	111	17	%	%	NOUN
fbem-12939	111	18	,	,	PUNCT
fbem-12939	111	19	and	and	CCONJ
fbem-12939	111	20	10	10	NUM
fbem-12939	111	21	%	%	NOUN
fbem-12939	111	22	levels	level	NOUN
fbem-12939	111	23	.	.	PUNCT
fbem-12939	112	1	similarly	similarly	ADV
fbem-12939	112	2	,	,	PUNCT
fbem-12939	112	3	under	under	ADP
fbem-12939	112	4	four	four	NUM
fbem-12939	112	5	educational	educational	ADJ
fbem-12939	112	6	levels	level	NOUN
fbem-12939	112	7	,	,	PUNCT
fbem-12939	112	8	the	the	DET
fbem-12939	112	9	significance	significance	NOUN
fbem-12939	112	10	level	level	NOUN
fbem-12939	112	11	of	of	ADP
fbem-12939	112	12	the	the	DET
fbem-12939	112	13	levene	levene	NOUN
fbem-12939	112	14	statistic	statistic	NOUN
fbem-12939	112	15	is	be	AUX
fbem-12939	112	16	less	less	ADJ
fbem-12939	112	17	than	than	ADP
fbem-12939	112	18	0.001	0.001	NUM
fbem-12939	112	19	,	,	PUNCT
fbem-12939	112	20	suggesting	suggest	VERB
fbem-12939	112	21	variance	variance	NOUN
fbem-12939	112	22	heterogeneity	heterogeneity	NOUN
fbem-12939	112	23	.	.	PUNCT
fbem-12939	113	1	the	the	DET
fbem-12939	113	2	asymptotic	asymptotic	ADJ
fbem-12939	113	3	f	f	NOUN
fbem-12939	113	4	-	-	PUNCT
fbem-12939	113	5	test	test	NOUN
fbem-12939	113	6	yields	yield	VERB
fbem-12939	113	7	a	a	DET
fbem-12939	113	8	p	p	NOUN
fbem-12939	113	9	-	-	PUNCT
fbem-12939	113	10	value	value	NOUN
fbem-12939	113	11	less	less	ADJ
fbem-12939	113	12	than	than	ADP
fbem-12939	113	13	0.001	0.001	NUM
fbem-12939	113	14	,	,	PUNCT
fbem-12939	113	15	signifying	signify	VERB
fbem-12939	113	16	significant	significant	ADJ
fbem-12939	113	17	differences	difference	NOUN
fbem-12939	113	18	in	in	ADP
fbem-12939	113	19	phfaa	phfaa	NOUN
fbem-12939	113	20	among	among	ADP
fbem-12939	113	21	different	different	ADJ
fbem-12939	113	22	educational	educational	ADJ
fbem-12939	113	23	levels	level	NOUN
fbem-12939	113	24	.	.	PUNCT
fbem-12939	114	1	hence	hence	ADV
fbem-12939	114	2	,	,	PUNCT
fbem-12939	114	3	hypothesis	hypothesis	NOUN
fbem-12939	114	4	h4	h4	PROPN
fbem-12939	114	5	is	be	AUX
fbem-12939	114	6	confirmed	confirm	VERB
fbem-12939	114	7	.	.	PUNCT
fbem-12939	115	1	well	well	ADV
fbem-12939	115	2	-	-	PUNCT
fbem-12939	115	3	educated	educate	VERB
fbem-12939	115	4	households	household	NOUN
fbem-12939	115	5	usually	usually	ADV
fbem-12939	115	6	have	have	VERB
fbem-12939	115	7	higher	high	ADJ
fbem-12939	115	8	levels	level	NOUN
fbem-12939	115	9	of	of	ADP
fbem-12939	115	10	financial	financial	ADJ
fbem-12939	115	11	literacy	literacy	NOUN
fbem-12939	115	12	and	and	CCONJ
fbem-12939	115	13	skills	skill	NOUN
fbem-12939	115	14	.	.	PUNCT
fbem-12939	116	1	such	such	ADJ
fbem-12939	116	2	knowledge	knowledge	NOUN
fbem-12939	116	3	and	and	CCONJ
fbem-12939	116	4	skills	skill	NOUN
fbem-12939	116	5	help	help	VERB
fbem-12939	116	6	them	they	PRON
fbem-12939	116	7	to	to	PART
fbem-12939	116	8	better	well	ADV
fbem-12939	116	9	understand	understand	VERB
fbem-12939	116	10	the	the	DET
fbem-12939	116	11	risk	risk	NOUN
fbem-12939	116	12	-	-	PUNCT
fbem-12939	116	13	return	return	NOUN
fbem-12939	116	14	relationships	relationship	NOUN
fbem-12939	116	15	of	of	ADP
fbem-12939	116	16	different	different	ADJ
fbem-12939	116	17	investment	investment	NOUN
fbem-12939	116	18	instruments	instrument	NOUN
fbem-12939	116	19	,	,	PUNCT
fbem-12939	116	20	empowering	empower	VERB
fbem-12939	116	21	them	they	PRON
fbem-12939	116	22	to	to	PART
fbem-12939	116	23	make	make	VERB
fbem-12939	116	24	wiser	wise	ADJ
fbem-12939	116	25	financial	financial	ADJ
fbem-12939	116	26	decisions	decision	NOUN
fbem-12939	116	27	.	.	PUNCT
fbem-12939	117	1	consequently	consequently	ADV
fbem-12939	117	2	,	,	PUNCT
fbem-12939	117	3	they	they	PRON
fbem-12939	117	4	are	be	AUX
fbem-12939	117	5	more	more	ADV
fbem-12939	117	6	likely	likely	ADJ
fbem-12939	117	7	to	to	PART
fbem-12939	117	8	demonstrate	demonstrate	VERB
fbem-12939	117	9	superior	superior	ADJ
fbem-12939	117	10	performance	performance	NOUN
fbem-12939	117	11	in	in	ADP
fbem-12939	117	12	financial	financial	ADJ
fbem-12939	117	13	asset	asset	NOUN
fbem-12939	117	14	allocation	allocation	NOUN
fbem-12939	117	15	.	.	PUNCT
fbem-12939	118	1	in	in	ADP
fbem-12939	118	2	the	the	DET
fbem-12939	118	3	case	case	NOUN
fbem-12939	118	4	of	of	ADP
fbem-12939	118	5	household	household	NOUN
fbem-12939	118	6	size	size	NOUN
fbem-12939	118	7	,	,	PUNCT
fbem-12939	118	8	the	the	DET
fbem-12939	118	9	levene	levene	NOUN
fbem-12939	118	10	test	test	NOUN
fbem-12939	118	11	shows	show	VERB
fbem-12939	118	12	homogeneity	homogeneity	NOUN
fbem-12939	118	13	of	of	ADP
fbem-12939	118	14	variances	variance	NOUN
fbem-12939	118	15	,	,	PUNCT
fbem-12939	118	16	with	with	ADP
fbem-12939	118	17	a	a	DET
fbem-12939	118	18	p	p	NOUN
fbem-12939	118	19	-	-	PUNCT
fbem-12939	118	20	value	value	NOUN
fbem-12939	118	21	of	of	ADP
fbem-12939	118	22	0.466	0.466	NUM
fbem-12939	118	23	.	.	PUNCT
fbem-12939	119	1	however	however	ADV
fbem-12939	119	2	,	,	PUNCT
fbem-12939	119	3	the	the	DET
fbem-12939	119	4	anova	anova	PROPN
fbem-12939	119	5	test	test	NOUN
fbem-12939	119	6	result	result	NOUN
fbem-12939	119	7	in	in	ADP
fbem-12939	119	8	a	a	DET
fbem-12939	119	9	p	p	NOUN
fbem-12939	119	10	-	-	PUNCT
fbem-12939	119	11	value	value	NOUN
fbem-12939	119	12	of	of	ADP
fbem-12939	119	13	0.171	0.171	NUM
fbem-12939	119	14	,	,	PUNCT
fbem-12939	119	15	greater	great	ADJ
fbem-12939	119	16	than	than	ADP
fbem-12939	119	17	0.05	0.05	NUM
fbem-12939	119	18	,	,	PUNCT
fbem-12939	119	19	leading	lead	VERB
fbem-12939	119	20	to	to	ADP
fbem-12939	119	21	the	the	DET
fbem-12939	119	22	rejection	rejection	NOUN
fbem-12939	119	23	of	of	ADP
fbem-12939	119	24	hypothesis	hypothesis	NOUN
fbem-12939	119	25	h5	h5	NOUN
fbem-12939	119	26	.	.	PUNCT
fbem-12939	120	1	additionally	additionally	ADV
fbem-12939	120	2	,	,	PUNCT
fbem-12939	120	3	household	household	NOUN
fbem-12939	120	4	income	income	NOUN
fbem-12939	120	5	20	20	NUM
fbem-12939	120	6	does	do	AUX
fbem-12939	120	7	not	not	PART
fbem-12939	120	8	meet	meet	VERB
fbem-12939	120	9	the	the	DET
fbem-12939	120	10	assumption	assumption	NOUN
fbem-12939	120	11	of	of	ADP
fbem-12939	120	12	homogeneity	homogeneity	NOUN
fbem-12939	120	13	of	of	ADP
fbem-12939	120	14	variances	variance	NOUN
fbem-12939	120	15	,	,	PUNCT
fbem-12939	120	16	with	with	ADP
fbem-12939	120	17	a	a	DET
fbem-12939	120	18	p	p	NOUN
fbem-12939	120	19	-	-	PUNCT
fbem-12939	120	20	value	value	NOUN
fbem-12939	120	21	less	less	ADJ
fbem-12939	120	22	than	than	ADP
fbem-12939	120	23	0.001	0.001	NUM
fbem-12939	120	24	.	.	PUNCT
fbem-12939	121	1	the	the	DET
fbem-12939	121	2	asymptotic	asymptotic	ADJ
fbem-12939	121	3	f	f	NOUN
fbem-12939	121	4	-	-	PUNCT
fbem-12939	121	5	test	test	NOUN
fbem-12939	121	6	yields	yield	VERB
fbem-12939	121	7	a	a	DET
fbem-12939	121	8	p	p	NOUN
fbem-12939	121	9	-	-	PUNCT
fbem-12939	121	10	value	value	NOUN
fbem-12939	121	11	less	less	ADJ
fbem-12939	121	12	than	than	ADP
fbem-12939	121	13	0.001	0.001	NUM
fbem-12939	121	14	,	,	PUNCT
fbem-12939	121	15	indicating	indicate	VERB
fbem-12939	121	16	significant	significant	ADJ
fbem-12939	121	17	differences	difference	NOUN
fbem-12939	121	18	in	in	ADP
fbem-12939	121	19	phfaa	phfaa	NOUN
fbem-12939	121	20	across	across	ADP
fbem-12939	121	21	different	different	ADJ
fbem-12939	121	22	income	income	NOUN
fbem-12939	121	23	levels	level	NOUN
fbem-12939	121	24	.	.	PUNCT
fbem-12939	122	1	thus	thus	ADV
fbem-12939	122	2	,	,	PUNCT
fbem-12939	122	3	hypothesis	hypothesis	NOUN
fbem-12939	122	4	h6	h6	PROPN
fbem-12939	122	5	is	be	AUX
fbem-12939	122	6	supported	support	VERB
fbem-12939	122	7	.	.	PUNCT
fbem-12939	123	1	higher	high	ADJ
fbem-12939	123	2	-	-	PUNCT
fbem-12939	123	3	income	income	NOUN
fbem-12939	123	4	households	household	NOUN
fbem-12939	123	5	usually	usually	ADV
fbem-12939	123	6	may	may	AUX
fbem-12939	123	7	have	have	VERB
fbem-12939	123	8	more	more	ADJ
fbem-12939	123	9	investable	investable	ADJ
fbem-12939	123	10	funds	fund	NOUN
fbem-12939	123	11	and	and	CCONJ
fbem-12939	123	12	can	can	AUX
fbem-12939	123	13	more	more	ADV
fbem-12939	123	14	easily	easily	ADV
fbem-12939	123	15	diversify	diversify	VERB
fbem-12939	123	16	their	their	PRON
fbem-12939	123	17	risks	risk	NOUN
fbem-12939	123	18	and	and	CCONJ
fbem-12939	123	19	access	access	NOUN
fbem-12939	123	20	a	a	DET
fbem-12939	123	21	wider	wide	ADJ
fbem-12939	123	22	range	range	NOUN
fbem-12939	123	23	of	of	ADP
fbem-12939	123	24	investment	investment	NOUN
fbem-12939	123	25	opportunities	opportunity	NOUN
fbem-12939	123	26	,	,	PUNCT
fbem-12939	123	27	leading	lead	VERB
fbem-12939	123	28	to	to	ADP
fbem-12939	123	29	better	well	ADJ
fbem-12939	123	30	investment	investment	NOUN
fbem-12939	123	31	performance	performance	NOUN
fbem-12939	123	32	.	.	PUNCT
fbem-12939	124	1	5	5	X
fbem-12939	124	2	.	.	X
fbem-12939	124	3	conclusion	conclusion	NOUN
fbem-12939	124	4	this	this	DET
fbem-12939	124	5	study	study	NOUN
fbem-12939	124	6	provides	provide	VERB
fbem-12939	124	7	differential	differential	ADJ
fbem-12939	124	8	analysis	analysis	NOUN
fbem-12939	124	9	on	on	ADP
fbem-12939	124	10	performance	performance	NOUN
fbem-12939	124	11	of	of	ADP
fbem-12939	124	12	household	household	NOUN
fbem-12939	124	13	financial	financial	ADJ
fbem-12939	124	14	asset	asset	NOUN
fbem-12939	124	15	allocation	allocation	NOUN
fbem-12939	124	16	in	in	ADP
fbem-12939	124	17	china	china	PROPN
fbem-12939	124	18	from	from	ADP
fbem-12939	124	19	the	the	DET
fbem-12939	124	20	perspective	perspective	NOUN
fbem-12939	124	21	of	of	ADP
fbem-12939	124	22	demographic	demographic	ADJ
fbem-12939	124	23	factors	factor	NOUN
fbem-12939	124	24	.	.	PUNCT
fbem-12939	125	1	the	the	DET
fbem-12939	125	2	findings	finding	NOUN
fbem-12939	125	3	of	of	ADP
fbem-12939	125	4	this	this	DET
fbem-12939	125	5	study	study	NOUN
fbem-12939	125	6	highlight	highlight	VERB
fbem-12939	125	7	important	important	ADJ
fbem-12939	125	8	insights	insight	NOUN
fbem-12939	125	9	for	for	ADP
fbem-12939	125	10	policymakers	policymaker	NOUN
fbem-12939	125	11	,	,	PUNCT
fbem-12939	125	12	financial	financial	ADJ
fbem-12939	125	13	institutions	institution	NOUN
fbem-12939	125	14	,	,	PUNCT
fbem-12939	125	15	and	and	CCONJ
fbem-12939	125	16	investors	investor	NOUN
fbem-12939	125	17	regarding	regard	VERB
fbem-12939	125	18	the	the	DET
fbem-12939	125	19	performance	performance	NOUN
fbem-12939	125	20	of	of	ADP
fbem-12939	125	21	household	household	NOUN
fbem-12939	125	22	financial	financial	ADJ
fbem-12939	125	23	asset	asset	NOUN
fbem-12939	125	24	allocation	allocation	NOUN
fbem-12939	125	25	.	.	PUNCT
fbem-12939	126	1	it	it	PRON
fbem-12939	126	2	is	be	AUX
fbem-12939	126	3	evident	evident	ADJ
fbem-12939	126	4	that	that	SCONJ
fbem-12939	126	5	the	the	DET
fbem-12939	126	6	impact	impact	NOUN
fbem-12939	126	7	of	of	ADP
fbem-12939	126	8	different	different	ADJ
fbem-12939	126	9	age	age	NOUN
fbem-12939	126	10	and	and	CCONJ
fbem-12939	126	11	family	family	NOUN
fbem-12939	126	12	size	size	NOUN
fbem-12939	126	13	groups	group	NOUN
fbem-12939	126	14	on	on	ADP
fbem-12939	126	15	asset	asset	NOUN
fbem-12939	126	16	allocation	allocation	NOUN
fbem-12939	126	17	performance	performance	NOUN
fbem-12939	126	18	is	be	AUX
fbem-12939	126	19	not	not	PART
fbem-12939	126	20	significant	significant	ADJ
fbem-12939	126	21	,	,	PUNCT
fbem-12939	126	22	whereas	whereas	SCONJ
fbem-12939	126	23	factors	factor	NOUN
fbem-12939	126	24	such	such	ADJ
fbem-12939	126	25	as	as	ADP
fbem-12939	126	26	gender	gender	NOUN
fbem-12939	126	27	,	,	PUNCT
fbem-12939	126	28	marital	marital	ADJ
fbem-12939	126	29	status	status	NOUN
fbem-12939	126	30	,	,	PUNCT
fbem-12939	126	31	education	education	NOUN
fbem-12939	126	32	level	level	NOUN
fbem-12939	126	33	,	,	PUNCT
fbem-12939	126	34	and	and	CCONJ
fbem-12939	126	35	income	income	NOUN
fbem-12939	126	36	play	play	VERB
fbem-12939	126	37	a	a	DET
fbem-12939	126	38	crucial	crucial	ADJ
fbem-12939	126	39	role	role	NOUN
fbem-12939	126	40	in	in	ADP
fbem-12939	126	41	explaining	explain	VERB
fbem-12939	126	42	the	the	DET
fbem-12939	126	43	variation	variation	NOUN
fbem-12939	126	44	in	in	ADP
fbem-12939	126	45	household	household	NOUN
fbem-12939	126	46	financial	financial	ADJ
fbem-12939	126	47	asset	asset	NOUN
fbem-12939	126	48	allocation	allocation	NOUN
fbem-12939	126	49	performance	performance	NOUN
fbem-12939	126	50	.	.	PUNCT
fbem-12939	127	1	for	for	ADP
fbem-12939	127	2	policymakers	policymaker	NOUN
fbem-12939	127	3	,	,	PUNCT
fbem-12939	127	4	these	these	DET
fbem-12939	127	5	results	result	NOUN
fbem-12939	127	6	underscore	underscore	VERB
fbem-12939	127	7	the	the	DET
fbem-12939	127	8	importance	importance	NOUN
fbem-12939	127	9	of	of	ADP
fbem-12939	127	10	targeted	target	VERB
fbem-12939	127	11	financial	financial	ADJ
fbem-12939	127	12	literacy	literacy	NOUN
fbem-12939	127	13	and	and	CCONJ
fbem-12939	127	14	education	education	NOUN
fbem-12939	127	15	programs	program	NOUN
fbem-12939	127	16	.	.	PUNCT
fbem-12939	128	1	by	by	ADP
fbem-12939	128	2	addressing	address	VERB
fbem-12939	128	3	the	the	DET
fbem-12939	128	4	disparities	disparity	NOUN
fbem-12939	128	5	associated	associate	VERB
fbem-12939	128	6	with	with	ADP
fbem-12939	128	7	gender	gender	NOUN
fbem-12939	128	8	,	,	PUNCT
fbem-12939	128	9	marital	marital	ADJ
fbem-12939	128	10	status	status	NOUN
fbem-12939	128	11	,	,	PUNCT
fbem-12939	128	12	education	education	NOUN
fbem-12939	128	13	,	,	PUNCT
fbem-12939	128	14	and	and	CCONJ
fbem-12939	128	15	income	income	NOUN
fbem-12939	128	16	,	,	PUNCT
fbem-12939	128	17	policymakers	policymaker	NOUN
fbem-12939	128	18	can	can	AUX
fbem-12939	128	19	design	design	VERB
fbem-12939	128	20	interventions	intervention	NOUN
fbem-12939	128	21	that	that	PRON
fbem-12939	128	22	promote	promote	VERB
fbem-12939	128	23	inclusive	inclusive	ADJ
fbem-12939	128	24	financial	financial	ADJ
fbem-12939	128	25	practices	practice	NOUN
fbem-12939	128	26	,	,	PUNCT
fbem-12939	128	27	ensuring	ensure	VERB
fbem-12939	128	28	equal	equal	ADJ
fbem-12939	128	29	access	access	NOUN
fbem-12939	128	30	and	and	CCONJ
fbem-12939	128	31	opportunities	opportunity	NOUN
fbem-12939	128	32	for	for	ADP
fbem-12939	128	33	all	all	DET
fbem-12939	128	34	households	household	NOUN
fbem-12939	128	35	.	.	PUNCT
fbem-12939	129	1	financial	financial	ADJ
fbem-12939	129	2	institutions	institution	NOUN
fbem-12939	129	3	can	can	AUX
fbem-12939	129	4	benefit	benefit	VERB
fbem-12939	129	5	from	from	ADP
fbem-12939	129	6	these	these	DET
fbem-12939	129	7	findings	finding	NOUN
fbem-12939	129	8	by	by	ADP
fbem-12939	129	9	tailoring	tailor	VERB
fbem-12939	129	10	their	their	PRON
fbem-12939	129	11	financial	financial	ADJ
fbem-12939	129	12	products	product	NOUN
fbem-12939	129	13	and	and	CCONJ
fbem-12939	129	14	services	service	NOUN
fbem-12939	129	15	to	to	PART
fbem-12939	129	16	better	well	ADV
fbem-12939	129	17	accommodate	accommodate	VERB
fbem-12939	129	18	the	the	DET
fbem-12939	129	19	diverse	diverse	ADJ
fbem-12939	129	20	needs	need	NOUN
fbem-12939	129	21	and	and	CCONJ
fbem-12939	129	22	preferences	preference	NOUN
fbem-12939	129	23	of	of	ADP
fbem-12939	129	24	their	their	PRON
fbem-12939	129	25	customers	customer	NOUN
fbem-12939	129	26	.	.	PUNCT
fbem-12939	130	1	for	for	ADP
fbem-12939	130	2	example	example	NOUN
fbem-12939	130	3	,	,	PUNCT
fbem-12939	130	4	offering	offer	VERB
fbem-12939	130	5	investment	investment	NOUN
fbem-12939	130	6	and	and	CCONJ
fbem-12939	130	7	financial	financial	ADJ
fbem-12939	130	8	planning	planning	NOUN
fbem-12939	130	9	tools	tool	NOUN
fbem-12939	130	10	that	that	PRON
fbem-12939	130	11	are	be	AUX
fbem-12939	130	12	user	user	NOUN
fbem-12939	130	13	-	-	PUNCT
fbem-12939	130	14	friendly	friendly	ADJ
fbem-12939	130	15	and	and	CCONJ
fbem-12939	130	16	accessible	accessible	ADJ
fbem-12939	130	17	to	to	ADP
fbem-12939	130	18	individuals	individual	NOUN
fbem-12939	130	19	with	with	ADP
fbem-12939	130	20	varying	vary	VERB
fbem-12939	130	21	levels	level	NOUN
fbem-12939	130	22	of	of	ADP
fbem-12939	130	23	financial	financial	ADJ
fbem-12939	130	24	knowledge	knowledge	NOUN
fbem-12939	130	25	and	and	CCONJ
fbem-12939	130	26	experience	experience	NOUN
fbem-12939	130	27	can	can	AUX
fbem-12939	130	28	enhance	enhance	VERB
fbem-12939	130	29	customer	customer	NOUN
fbem-12939	130	30	satisfaction	satisfaction	NOUN
fbem-12939	130	31	and	and	CCONJ
fbem-12939	130	32	engagement	engagement	NOUN
fbem-12939	130	33	.	.	PUNCT
fbem-12939	131	1	household	household	NOUN
fbem-12939	131	2	investors	investor	NOUN
fbem-12939	131	3	should	should	AUX
fbem-12939	131	4	consider	consider	VERB
fbem-12939	131	5	the	the	DET
fbem-12939	131	6	impact	impact	NOUN
fbem-12939	131	7	of	of	ADP
fbem-12939	131	8	personal	personal	ADJ
fbem-12939	131	9	demographic	demographic	ADJ
fbem-12939	131	10	factors	factor	NOUN
fbem-12939	131	11	on	on	ADP
fbem-12939	131	12	their	their	PRON
fbem-12939	131	13	financial	financial	ADJ
fbem-12939	131	14	decision	decision	NOUN
fbem-12939	131	15	-	-	PUNCT
fbem-12939	131	16	making	make	VERB
fbem-12939	131	17	processes	process	NOUN
fbem-12939	131	18	.	.	PUNCT
fbem-12939	132	1	being	be	AUX
fbem-12939	132	2	aware	aware	ADJ
fbem-12939	132	3	of	of	ADP
fbem-12939	132	4	how	how	SCONJ
fbem-12939	132	5	gender	gender	NOUN
fbem-12939	132	6	,	,	PUNCT
fbem-12939	132	7	marital	marital	ADJ
fbem-12939	132	8	status	status	NOUN
fbem-12939	132	9	,	,	PUNCT
fbem-12939	132	10	education	education	NOUN
fbem-12939	132	11	,	,	PUNCT
fbem-12939	132	12	and	and	CCONJ
fbem-12939	132	13	income	income	NOUN
fbem-12939	132	14	influence	influence	NOUN
fbem-12939	132	15	asset	asset	NOUN
fbem-12939	132	16	allocation	allocation	NOUN
fbem-12939	132	17	can	can	AUX
fbem-12939	132	18	lead	lead	VERB
fbem-12939	132	19	to	to	ADP
fbem-12939	132	20	more	more	ADV
fbem-12939	132	21	informed	informed	ADJ
fbem-12939	132	22	investment	investment	NOUN
fbem-12939	132	23	strategies	strategy	NOUN
fbem-12939	132	24	and	and	CCONJ
fbem-12939	132	25	better	well	ADJ
fbem-12939	132	26	financial	financial	ADJ
fbem-12939	132	27	outcomes	outcome	NOUN
fbem-12939	132	28	.	.	PUNCT
fbem-12939	133	1	in	in	ADP
fbem-12939	133	2	conclusion	conclusion	NOUN
fbem-12939	133	3	,	,	PUNCT
fbem-12939	133	4	this	this	DET
fbem-12939	133	5	research	research	NOUN
fbem-12939	133	6	provides	provide	VERB
fbem-12939	133	7	valuable	valuable	ADJ
fbem-12939	133	8	insights	insight	NOUN
fbem-12939	133	9	into	into	ADP
fbem-12939	133	10	the	the	DET
fbem-12939	133	11	nuances	nuance	NOUN
fbem-12939	133	12	of	of	ADP
fbem-12939	133	13	household	household	NOUN
fbem-12939	133	14	financial	financial	ADJ
fbem-12939	133	15	asset	asset	NOUN
fbem-12939	133	16	allocation	allocation	NOUN
fbem-12939	133	17	performance	performance	NOUN
fbem-12939	133	18	.	.	PUNCT
fbem-12939	134	1	acknowledging	acknowledge	VERB
fbem-12939	134	2	the	the	DET
fbem-12939	134	3	influence	influence	NOUN
fbem-12939	134	4	of	of	ADP
fbem-12939	134	5	demographic	demographic	ADJ
fbem-12939	134	6	factors	factor	NOUN
fbem-12939	134	7	in	in	ADP
fbem-12939	134	8	this	this	DET
fbem-12939	134	9	context	context	NOUN
fbem-12939	134	10	can	can	AUX
fbem-12939	134	11	guide	guide	VERB
fbem-12939	134	12	more	more	ADV
fbem-12939	134	13	effective	effective	ADJ
fbem-12939	134	14	policies	policy	NOUN
fbem-12939	134	15	,	,	PUNCT
fbem-12939	134	16	financial	financial	ADJ
fbem-12939	134	17	services	service	NOUN
fbem-12939	134	18	,	,	PUNCT
fbem-12939	134	19	and	and	CCONJ
fbem-12939	134	20	investment	investment	NOUN
fbem-12939	134	21	practices	practice	NOUN
fbem-12939	134	22	,	,	PUNCT
fbem-12939	134	23	ultimately	ultimately	ADV
fbem-12939	134	24	contributing	contribute	VERB
fbem-12939	134	25	to	to	PART
fbem-12939	134	26	improved	improve	VERB
fbem-12939	134	27	financial	financial	ADJ
fbem-12939	134	28	wellbeing	wellbeing	NOUN
fbem-12939	134	29	for	for	ADP
fbem-12939	134	30	families	family	NOUN
fbem-12939	134	31	and	and	CCONJ
fbem-12939	134	32	society	society	NOUN
fbem-12939	134	33	.	.	PUNCT
fbem-12939	135	1	references	reference	NOUN
fbem-12939	135	2	[	[	X
fbem-12939	135	3	1	1	NUM
fbem-12939	135	4	]	]	X
fbem-12939	135	5	candelon	candelon	NOUN
fbem-12939	135	6	,	,	PUNCT
fbem-12939	135	7	b.	b.	PROPN
fbem-12939	135	8	,	,	PUNCT
fbem-12939	135	9	fuerst	fuerst	PROPN
fbem-12939	135	10	,	,	PUNCT
fbem-12939	135	11	f.	f.	PROPN
fbem-12939	135	12	,	,	PUNCT
fbem-12939	135	13	&	&	CCONJ
fbem-12939	135	14	hasse	hasse	PROPN
fbem-12939	135	15	,	,	PUNCT
fbem-12939	135	16	j.	j.	PROPN
fbem-12939	135	17	b.	b.	PROPN
fbem-12939	135	18	(	(	PUNCT
fbem-12939	135	19	2021	2021	NUM
fbem-12939	135	20	)	)	PUNCT
fbem-12939	135	21	.	.	PUNCT
fbem-12939	136	1	diversification	diversification	NOUN
fbem-12939	136	2	potential	potential	NOUN
fbem-12939	136	3	in	in	ADP
fbem-12939	136	4	real	real	ADJ
fbem-12939	136	5	estate	estate	NOUN
fbem-12939	136	6	portfolios	portfolio	NOUN
fbem-12939	136	7	.	.	PUNCT
fbem-12939	137	1	international	international	ADJ
fbem-12939	137	2	economics	economic	NOUN
fbem-12939	137	3	,	,	PUNCT
fbem-12939	137	4	166	166	NUM
fbem-12939	137	5	,	,	PUNCT
fbem-12939	137	6	126	126	NUM
fbem-12939	137	7	-	-	SYM
fbem-12939	137	8	139	139	NUM
fbem-12939	137	9	.	.	PUNCT
fbem-12939	138	1	[	[	X
fbem-12939	138	2	2	2	NUM
fbem-12939	138	3	]	]	PUNCT
fbem-12939	138	4	delacre	delacre	PROPN
fbem-12939	138	5	,	,	PUNCT
fbem-12939	138	6	m.	m.	NOUN
fbem-12939	138	7	,	,	PUNCT
fbem-12939	138	8	leys	ley	NOUN
fbem-12939	138	9	,	,	PUNCT
fbem-12939	138	10	c.	c.	PROPN
fbem-12939	138	11	,	,	PUNCT
fbem-12939	138	12	mora	mora	PROPN
fbem-12939	138	13	,	,	PUNCT
fbem-12939	138	14	y.	y.	PROPN
fbem-12939	138	15	l.	l.	PROPN
fbem-12939	138	16	,	,	PUNCT
fbem-12939	138	17	&	&	CCONJ
fbem-12939	138	18	lakens	lakens	PROPN
fbem-12939	138	19	,	,	PUNCT
fbem-12939	138	20	d.	d.	PROPN
fbem-12939	138	21	(	(	PUNCT
fbem-12939	138	22	2019	2019	NUM
fbem-12939	138	23	)	)	PUNCT
fbem-12939	138	24	.	.	PUNCT
fbem-12939	139	1	taking	take	VERB
fbem-12939	139	2	parametric	parametric	ADJ
fbem-12939	139	3	assumptions	assumption	NOUN
fbem-12939	139	4	seriously	seriously	ADV
fbem-12939	139	5	:	:	PUNCT
fbem-12939	139	6	arguments	argument	NOUN
fbem-12939	139	7	for	for	ADP
fbem-12939	139	8	the	the	DET
fbem-12939	139	9	use	use	NOUN
fbem-12939	139	10	of	of	ADP
fbem-12939	139	11	welch	welch	PROPN
fbem-12939	139	12	’s	’s	PART
fbem-12939	139	13	f	f	NOUN
fbem-12939	139	14	-	-	PUNCT
fbem-12939	139	15	test	test	NOUN
fbem-12939	139	16	instead	instead	ADV
fbem-12939	139	17	of	of	ADP
fbem-12939	139	18	the	the	DET
fbem-12939	139	19	classical	classical	ADJ
fbem-12939	139	20	f	f	NOUN
fbem-12939	139	21	-	-	PUNCT
fbem-12939	139	22	test	test	NOUN
fbem-12939	139	23	in	in	ADP
fbem-12939	139	24	one	one	NUM
fbem-12939	139	25	-	-	PUNCT
fbem-12939	139	26	way	way	NOUN
fbem-12939	139	27	anova	anova	PROPN
fbem-12939	139	28	.	.	PUNCT
fbem-12939	140	1	international	international	ADJ
fbem-12939	140	2	review	review	NOUN
fbem-12939	140	3	of	of	ADP
fbem-12939	140	4	social	social	ADJ
fbem-12939	140	5	psychology	psychology	NOUN
fbem-12939	140	6	,	,	PUNCT
fbem-12939	140	7	32(1	32(1	NUM
fbem-12939	140	8	)	)	PUNCT
fbem-12939	140	9	,	,	PUNCT
fbem-12939	140	10	13	13	NUM
fbem-12939	140	11	.	.	PUNCT
fbem-12939	141	1	[	[	X
fbem-12939	141	2	3	3	NUM
fbem-12939	141	3	]	]	X
fbem-12939	141	4	fan	fan	PROPN
fbem-12939	141	5	,	,	PUNCT
fbem-12939	141	6	l.	l.	PROPN
fbem-12939	141	7	,	,	PUNCT
fbem-12939	141	8	&	&	CCONJ
fbem-12939	141	9	henager	henager	PROPN
fbem-12939	141	10	,	,	PUNCT
fbem-12939	141	11	r.	r.	PROPN
fbem-12939	141	12	(	(	PUNCT
fbem-12939	141	13	2022	2022	NUM
fbem-12939	141	14	)	)	PUNCT
fbem-12939	141	15	.	.	PUNCT
fbem-12939	142	1	a	a	DET
fbem-12939	142	2	structural	structural	ADJ
fbem-12939	142	3	determinants	determinant	NOUN
fbem-12939	142	4	framework	framework	NOUN
fbem-12939	142	5	for	for	ADP
fbem-12939	142	6	financial	financial	ADJ
fbem-12939	142	7	well	well	NOUN
fbem-12939	142	8	-	-	PUNCT
fbem-12939	142	9	being	being	NOUN
fbem-12939	142	10	.	.	PUNCT
fbem-12939	143	1	journal	journal	PROPN
fbem-12939	143	2	of	of	ADP
fbem-12939	143	3	family	family	NOUN
fbem-12939	143	4	and	and	CCONJ
fbem-12939	143	5	economic	economic	ADJ
fbem-12939	143	6	issues	issue	NOUN
fbem-12939	143	7	,	,	PUNCT
fbem-12939	143	8	43(2	43(2	NUM
fbem-12939	143	9	)	)	PUNCT
fbem-12939	143	10	,	,	PUNCT
fbem-12939	143	11	415	415	NUM
fbem-12939	143	12	-	-	SYM
fbem-12939	143	13	428	428	NUM
fbem-12939	143	14	.	.	PUNCT
fbem-12939	144	1	[	[	X
fbem-12939	144	2	4	4	NUM
fbem-12939	144	3	]	]	PUNCT
fbem-12939	144	4	gomes	gome	NOUN
fbem-12939	144	5	,	,	PUNCT
fbem-12939	144	6	f.	f.	PROPN
fbem-12939	144	7	,	,	PUNCT
fbem-12939	144	8	haliassos	haliassos	NOUN
fbem-12939	144	9	,	,	PUNCT
fbem-12939	144	10	m.	m.	NOUN
fbem-12939	144	11	,	,	PUNCT
fbem-12939	144	12	&	&	CCONJ
fbem-12939	144	13	ramadorai	ramadorai	PROPN
fbem-12939	144	14	,	,	PUNCT
fbem-12939	144	15	t.	t.	PROPN
fbem-12939	144	16	(	(	PUNCT
fbem-12939	144	17	2021	2021	NUM
fbem-12939	144	18	)	)	PUNCT
fbem-12939	144	19	.	.	PUNCT
fbem-12939	145	1	household	household	NOUN
fbem-12939	145	2	finance	finance	NOUN
fbem-12939	145	3	.	.	PUNCT
fbem-12939	146	1	journal	journal	NOUN
fbem-12939	146	2	of	of	ADP
fbem-12939	146	3	economic	economic	ADJ
fbem-12939	146	4	literature	literature	NOUN
fbem-12939	146	5	,	,	PUNCT
fbem-12939	146	6	59(3	59(3	NUM
fbem-12939	146	7	)	)	PUNCT
fbem-12939	146	8	,	,	PUNCT
fbem-12939	146	9	919	919	NUM
fbem-12939	146	10	-	-	SYM
fbem-12939	146	11	1000	1000	NUM
fbem-12939	146	12	.	.	PUNCT
fbem-12939	147	1	[	[	X
fbem-12939	147	2	5	5	NUM
fbem-12939	147	3	]	]	X
fbem-12939	147	4	hillesland	hillesland	NOUN
fbem-12939	147	5	,	,	PUNCT
fbem-12939	147	6	m.	m.	NOUN
fbem-12939	147	7	(	(	PUNCT
fbem-12939	147	8	2019	2019	NUM
fbem-12939	147	9	)	)	PUNCT
fbem-12939	147	10	.	.	PUNCT
fbem-12939	148	1	gender	gender	NOUN
fbem-12939	148	2	differences	difference	NOUN
fbem-12939	148	3	in	in	ADP
fbem-12939	148	4	risk	risk	NOUN
fbem-12939	148	5	behavior	behavior	NOUN
fbem-12939	148	6	:	:	PUNCT
fbem-12939	148	7	an	an	DET
fbem-12939	148	8	analysis	analysis	NOUN
fbem-12939	148	9	of	of	ADP
fbem-12939	148	10	asset	asset	NOUN
fbem-12939	148	11	allocation	allocation	NOUN
fbem-12939	148	12	decisions	decision	NOUN
fbem-12939	148	13	in	in	ADP
fbem-12939	148	14	ghana	ghana	PROPN
fbem-12939	148	15	.	.	PUNCT
fbem-12939	149	1	world	world	PROPN
fbem-12939	149	2	development	development	PROPN
fbem-12939	149	3	,	,	PUNCT
fbem-12939	149	4	117	117	NUM
fbem-12939	149	5	,	,	PUNCT
fbem-12939	149	6	127	127	NUM
fbem-12939	149	7	-	-	SYM
fbem-12939	149	8	137	137	NUM
fbem-12939	149	9	.	.	PUNCT
fbem-12939	150	1	[	[	X
fbem-12939	150	2	6	6	NUM
fbem-12939	150	3	]	]	SYM
fbem-12939	150	4	li	li	PROPN
fbem-12939	150	5	,	,	PUNCT
fbem-12939	150	6	r.	r.	PROPN
fbem-12939	150	7	,	,	PUNCT
fbem-12939	150	8	&	&	CCONJ
fbem-12939	150	9	qian	qian	PROPN
fbem-12939	150	10	,	,	PUNCT
fbem-12939	150	11	y.	y.	PROPN
fbem-12939	150	12	(	(	PUNCT
fbem-12939	150	13	2021	2021	NUM
fbem-12939	150	14	)	)	PUNCT
fbem-12939	150	15	.	.	PUNCT
fbem-12939	151	1	how	how	SCONJ
fbem-12939	151	2	does	do	AUX
fbem-12939	151	3	entrepreneurship	entrepreneurship	NOUN
fbem-12939	151	4	influence	influence	VERB
fbem-12939	151	5	the	the	DET
fbem-12939	151	6	efficiency	efficiency	NOUN
fbem-12939	151	7	of	of	ADP
fbem-12939	151	8	household	household	NOUN
fbem-12939	151	9	portfolios	portfolio	NOUN
fbem-12939	151	10	?	?	PUNCT
fbem-12939	152	1	the	the	DET
fbem-12939	152	2	european	european	PROPN
fbem-12939	152	3	journal	journal	PROPN
fbem-12939	152	4	of	of	ADP
fbem-12939	152	5	finance	finance	NOUN
fbem-12939	152	6	,	,	PUNCT
fbem-12939	152	7	27(13	27(13	NUM
fbem-12939	152	8	)	)	PUNCT
fbem-12939	152	9	,	,	PUNCT
fbem-12939	152	10	1282	1282	NUM
fbem-12939	152	11	-	-	SYM
fbem-12939	152	12	1302	1302	NUM
fbem-12939	152	13	.	.	PUNCT
fbem-12939	153	1	[	[	X
fbem-12939	153	2	7	7	NUM
fbem-12939	153	3	]	]	SYM
fbem-12939	153	4	li	li	PROPN
fbem-12939	153	5	,	,	PUNCT
fbem-12939	153	6	z.	z.	PROPN
fbem-12939	153	7	,	,	PUNCT
fbem-12939	153	8	mirko	mirko	PROPN
fbem-12939	153	9	,	,	PUNCT
fbem-12939	153	10	c.	c.	PROPN
fbem-12939	153	11	,	,	PUNCT
fbem-12939	153	12	d’agostino	d’agostino	NOUN
fbem-12939	153	13	,	,	PUNCT
fbem-12939	153	14	m.	m.	NOUN
fbem-12939	153	15	t.	t.	PROPN
fbem-12939	153	16	,	,	PUNCT
fbem-12939	153	17	&	&	CCONJ
fbem-12939	153	18	jin	jin	PROPN
fbem-12939	153	19	,	,	PUNCT
fbem-12939	153	20	j.	j.	PROPN
fbem-12939	153	21	(	(	PUNCT
fbem-12939	153	22	2023	2023	NUM
fbem-12939	153	23	)	)	PUNCT
fbem-12939	153	24	.	.	PUNCT
fbem-12939	154	1	comparative	comparative	ADJ
fbem-12939	154	2	analysis	analysis	NOUN
fbem-12939	154	3	of	of	ADP
fbem-12939	154	4	the	the	DET
fbem-12939	154	5	influence	influence	NOUN
fbem-12939	154	6	of	of	ADP
fbem-12939	154	7	chinese	chinese	ADJ
fbem-12939	154	8	urban	urban	ADJ
fbem-12939	154	9	and	and	CCONJ
fbem-12939	154	10	rural	rural	ADJ
fbem-12939	154	11	family	family	NOUN
fbem-12939	154	12	cultures	culture	NOUN
fbem-12939	154	13	on	on	ADP
fbem-12939	154	14	household	household	NOUN
fbem-12939	154	15	financial	financial	ADJ
fbem-12939	154	16	asset	asset	NOUN
fbem-12939	154	17	allocation	allocation	NOUN
fbem-12939	154	18	.	.	PUNCT
fbem-12939	155	1	frontiers	frontier	NOUN
fbem-12939	155	2	in	in	ADP
fbem-12939	155	3	psychology	psychology	NOUN
fbem-12939	155	4	,	,	PUNCT
fbem-12939	155	5	14	14	NUM
fbem-12939	155	6	.	.	PUNCT
fbem-12939	156	1	[	[	X
fbem-12939	156	2	8	8	NUM
fbem-12939	156	3	]	]	X
fbem-12939	156	4	lusardi	lusardi	NOUN
fbem-12939	156	5	,	,	PUNCT
fbem-12939	156	6	a.	a.	PROPN
fbem-12939	156	7	,	,	PUNCT
fbem-12939	156	8	&	&	CCONJ
fbem-12939	156	9	mitchell	mitchell	PROPN
fbem-12939	156	10	,	,	PUNCT
fbem-12939	156	11	o.	o.	PROPN
fbem-12939	156	12	s.	s.	PROPN
fbem-12939	156	13	(	(	PUNCT
fbem-12939	156	14	2014	2014	NUM
fbem-12939	156	15	)	)	PUNCT
fbem-12939	156	16	.	.	PUNCT
fbem-12939	157	1	the	the	DET
fbem-12939	157	2	economic	economic	ADJ
fbem-12939	157	3	importance	importance	NOUN
fbem-12939	157	4	of	of	ADP
fbem-12939	157	5	financial	financial	ADJ
fbem-12939	157	6	literacy	literacy	NOUN
fbem-12939	157	7	:	:	PUNCT
fbem-12939	157	8	theory	theory	NOUN
fbem-12939	157	9	and	and	CCONJ
fbem-12939	157	10	evidence	evidence	NOUN
fbem-12939	157	11	.	.	PUNCT
fbem-12939	158	1	american	american	ADJ
fbem-12939	158	2	economic	economic	PROPN
fbem-12939	158	3	journal	journal	PROPN
fbem-12939	158	4	:	:	PUNCT
fbem-12939	158	5	journal	journal	NOUN
fbem-12939	158	6	of	of	ADP
fbem-12939	158	7	economic	economic	ADJ
fbem-12939	158	8	literature	literature	NOUN
fbem-12939	158	9	,	,	PUNCT
fbem-12939	158	10	52(1	52(1	NOUN
fbem-12939	158	11	)	)	PUNCT
fbem-12939	158	12	,	,	PUNCT
fbem-12939	158	13	5	5	NUM
fbem-12939	158	14	-	-	SYM
fbem-12939	158	15	44	44	NUM
fbem-12939	158	16	.	.	PUNCT
fbem-12939	159	1	[	[	X
fbem-12939	159	2	9	9	NUM
fbem-12939	159	3	]	]	SYM
fbem-12939	159	4	lytton	lytton	PROPN
fbem-12939	159	5	,	,	PUNCT
fbem-12939	159	6	r.	r.	PROPN
fbem-12939	159	7	h.	h.	PROPN
fbem-12939	159	8	,	,	PUNCT
fbem-12939	159	9	grable	grable	PROPN
fbem-12939	159	10	,	,	PUNCT
fbem-12939	159	11	j.	j.	PROPN
fbem-12939	159	12	e.	e.	PROPN
fbem-12939	159	13	,	,	PUNCT
fbem-12939	159	14	&	&	CCONJ
fbem-12939	159	15	klock	klock	PROPN
fbem-12939	159	16	,	,	PUNCT
fbem-12939	159	17	d.	d.	PROPN
fbem-12939	159	18	d.	d.	PROPN
fbem-12939	159	19	(	(	PUNCT
fbem-12939	159	20	2013	2013	NUM
fbem-12939	159	21	)	)	PUNCT
fbem-12939	159	22	.	.	PUNCT
fbem-12939	160	1	the	the	DET
fbem-12939	160	2	process	process	NOUN
fbem-12939	160	3	of	of	ADP
fbem-12939	160	4	financial	financial	ADJ
fbem-12939	160	5	planning	planning	NOUN
fbem-12939	160	6	:	:	PUNCT
fbem-12939	160	7	developing	develop	VERB
fbem-12939	160	8	a	a	DET
fbem-12939	160	9	financial	financial	ADJ
fbem-12939	160	10	plan	plan	NOUN
fbem-12939	160	11	.	.	PUNCT
fbem-12939	161	1	national	national	ADJ
fbem-12939	161	2	underwriter	underwriter	NOUN
fbem-12939	161	3	company	company	NOUN
fbem-12939	161	4	.	.	PUNCT
fbem-12939	162	1	[	[	X
fbem-12939	162	2	10	10	NUM
fbem-12939	162	3	]	]	X
fbem-12939	162	4	marinelli	marinelli	PROPN
fbem-12939	162	5	,	,	PUNCT
fbem-12939	162	6	n.	n.	NOUN
fbem-12939	162	7	,	,	PUNCT
fbem-12939	162	8	mazzoli	mazzoli	NOUN
fbem-12939	162	9	,	,	PUNCT
fbem-12939	162	10	c.	c.	PROPN
fbem-12939	162	11	,	,	PUNCT
fbem-12939	162	12	&	&	CCONJ
fbem-12939	162	13	palmucci	palmucci	PROPN
fbem-12939	162	14	,	,	PUNCT
fbem-12939	162	15	f.	f.	PROPN
fbem-12939	162	16	(	(	PUNCT
fbem-12939	162	17	2017	2017	NUM
fbem-12939	162	18	)	)	PUNCT
fbem-12939	162	19	.	.	PUNCT
fbem-12939	163	1	how	how	SCONJ
fbem-12939	163	2	does	do	AUX
fbem-12939	163	3	gender	gender	NOUN
fbem-12939	163	4	really	really	ADV
fbem-12939	163	5	affect	affect	VERB
fbem-12939	163	6	investment	investment	NOUN
fbem-12939	163	7	behavior	behavior	NOUN
fbem-12939	163	8	?	?	PUNCT
fbem-12939	163	9	.	.	PUNCT
fbem-12939	164	1	economics	economic	NOUN
fbem-12939	164	2	letters	letter	NOUN
fbem-12939	164	3	,	,	PUNCT
fbem-12939	164	4	151	151	NUM
fbem-12939	164	5	,	,	PUNCT
fbem-12939	164	6	58	58	NUM
fbem-12939	164	7	-	-	SYM
fbem-12939	164	8	61	61	NUM
fbem-12939	164	9	.	.	PUNCT
fbem-12939	165	1	[	[	X
fbem-12939	165	2	11	11	NUM
fbem-12939	165	3	]	]	SYM
fbem-12939	165	4	orcan	orcan	PROPN
fbem-12939	165	5	,	,	PUNCT
fbem-12939	165	6	f.	f.	PROPN
fbem-12939	165	7	(	(	PUNCT
fbem-12939	165	8	2020	2020	NUM
fbem-12939	165	9	)	)	PUNCT
fbem-12939	165	10	.	.	PUNCT
fbem-12939	166	1	parametric	parametric	ADJ
fbem-12939	166	2	or	or	CCONJ
fbem-12939	166	3	non	non	ADJ
fbem-12939	166	4	-	-	ADJ
fbem-12939	166	5	parametric	parametric	ADJ
fbem-12939	166	6	:	:	PUNCT
fbem-12939	166	7	skewness	skewness	NOUN
fbem-12939	166	8	to	to	PART
fbem-12939	166	9	test	test	VERB
fbem-12939	166	10	normality	normality	NOUN
fbem-12939	166	11	for	for	ADP
fbem-12939	166	12	mean	mean	ADJ
fbem-12939	166	13	comparison	comparison	NOUN
fbem-12939	166	14	.	.	PUNCT
fbem-12939	167	1	international	international	ADJ
fbem-12939	167	2	journal	journal	PROPN
fbem-12939	167	3	of	of	ADP
fbem-12939	167	4	assessment	assessment	NOUN
fbem-12939	167	5	tools	tool	NOUN
fbem-12939	167	6	in	in	ADP
fbem-12939	167	7	education	education	NOUN
fbem-12939	167	8	,	,	PUNCT
fbem-12939	167	9	7(2	7(2	NUM
fbem-12939	167	10	)	)	PUNCT
fbem-12939	167	11	,	,	PUNCT
fbem-12939	167	12	255	255	NUM
fbem-12939	167	13	-	-	SYM
fbem-12939	167	14	265	265	NUM
fbem-12939	167	15	.	.	PUNCT
fbem-12939	168	1	[	[	X
fbem-12939	168	2	12	12	NUM
fbem-12939	168	3	]	]	X
fbem-12939	168	4	pan	pan	PROPN
fbem-12939	168	5	,	,	PUNCT
fbem-12939	168	6	w.	w.	PROPN
fbem-12939	168	7	d.	d.	PROPN
fbem-12939	168	8	(	(	PUNCT
fbem-12939	168	9	2021	2021	NUM
fbem-12939	168	10	)	)	PUNCT
fbem-12939	168	11	.	.	PUNCT
fbem-12939	169	1	the	the	DET
fbem-12939	169	2	impact	impact	NOUN
fbem-12939	169	3	of	of	ADP
fbem-12939	169	4	descendants	descendant	NOUN
fbem-12939	169	5	'	'	PART
fbem-12939	169	6	characteristics	characteristic	NOUN
fbem-12939	169	7	on	on	ADP
fbem-12939	169	8	household	household	NOUN
fbem-12939	169	9	financial	financial	ADJ
fbem-12939	169	10	asset	asset	NOUN
fbem-12939	169	11	allocation	allocation	NOUN
fbem-12939	169	12	.	.	PUNCT
fbem-12939	170	1	finance	finance	NOUN
fbem-12939	170	2	and	and	CCONJ
fbem-12939	170	3	economics	economic	NOUN
fbem-12939	170	4	,	,	PUNCT
fbem-12939	170	5	(	(	PUNCT
fbem-12939	170	6	01	01	NUM
fbem-12939	170	7	)	)	PUNCT
fbem-12939	170	8	,	,	PUNCT
fbem-12939	170	9	72	72	NUM
fbem-12939	170	10	-	-	SYM
fbem-12939	170	11	81	81	NUM
fbem-12939	170	12	.	.	PUNCT
fbem-12939	171	1	[	[	X
fbem-12939	171	2	13	13	NUM
fbem-12939	171	3	]	]	X
fbem-12939	171	4	prakash	prakash	PROPN
fbem-12939	171	5	,	,	PUNCT
fbem-12939	171	6	n.	n.	NOUN
fbem-12939	171	7	,	,	PUNCT
fbem-12939	171	8	alagarsamy	alagarsamy	PROPN
fbem-12939	171	9	,	,	PUNCT
fbem-12939	171	10	s.	s.	PROPN
fbem-12939	171	11	,	,	PUNCT
fbem-12939	171	12	&	&	CCONJ
fbem-12939	171	13	hawaldar	hawaldar	PROPN
fbem-12939	171	14	,	,	PUNCT
fbem-12939	171	15	a.	a.	NOUN
fbem-12939	171	16	(	(	PUNCT
fbem-12939	171	17	2022	2022	NUM
fbem-12939	171	18	)	)	PUNCT
fbem-12939	171	19	.	.	PUNCT
fbem-12939	172	1	demographic	demographic	ADJ
fbem-12939	172	2	characteristics	characteristic	NOUN
fbem-12939	172	3	influencing	influence	VERB
fbem-12939	172	4	financial	financial	ADJ
fbem-12939	172	5	wellbeing	wellbeing	NOUN
fbem-12939	172	6	:	:	PUNCT
fbem-12939	172	7	a	a	DET
fbem-12939	172	8	multigroup	multigroup	ADJ
fbem-12939	172	9	analysis	analysis	NOUN
fbem-12939	172	10	.	.	PUNCT
fbem-12939	173	1	managerial	managerial	ADJ
fbem-12939	173	2	finance	finance	NOUN
fbem-12939	173	3	,	,	PUNCT
fbem-12939	173	4	48(9/10	48(9/10	PROPN
fbem-12939	173	5	)	)	PUNCT
fbem-12939	173	6	,	,	PUNCT
fbem-12939	173	7	1334	1334	NUM
fbem-12939	173	8	-	-	SYM
fbem-12939	173	9	1351	1351	NUM
fbem-12939	173	10	.	.	PUNCT
fbem-12939	174	1	[	[	X
fbem-12939	174	2	14	14	NUM
fbem-12939	174	3	]	]	X
fbem-12939	174	4	save‐soderbergh	save‐soderbergh	PROPN
fbem-12939	174	5	,	,	PUNCT
fbem-12939	174	6	j.	j.	PROPN
fbem-12939	174	7	(	(	PUNCT
fbem-12939	174	8	2012	2012	NUM
fbem-12939	174	9	)	)	PUNCT
fbem-12939	174	10	.	.	PUNCT
fbem-12939	175	1	self‐directed	self‐directe	VERB
fbem-12939	175	2	pensions	pension	NOUN
fbem-12939	175	3	:	:	PUNCT
fbem-12939	175	4	gender	gender	NOUN
fbem-12939	175	5	,	,	PUNCT
fbem-12939	175	6	risk	risk	NOUN
fbem-12939	175	7	,	,	PUNCT
fbem-12939	175	8	and	and	CCONJ
fbem-12939	175	9	portfolio	portfolio	NOUN
fbem-12939	175	10	choices	choice	NOUN
fbem-12939	175	11	.	.	PUNCT
fbem-12939	176	1	the	the	DET
fbem-12939	176	2	scandinavian	scandinavian	ADJ
fbem-12939	176	3	journal	journal	NOUN
fbem-12939	176	4	of	of	ADP
fbem-12939	176	5	economics	economic	NOUN
fbem-12939	176	6	,	,	PUNCT
fbem-12939	176	7	114(3	114(3	NUM
fbem-12939	176	8	)	)	PUNCT
fbem-12939	176	9	,	,	PUNCT
fbem-12939	176	10	705	705	NUM
fbem-12939	176	11	-	-	SYM
fbem-12939	176	12	728	728	NUM
fbem-12939	176	13	.	.	PUNCT
fbem-12939	177	1	[	[	X
fbem-12939	177	2	15	15	NUM
fbem-12939	177	3	]	]	X
fbem-12939	177	4	wackerly	wackerly	ADV
fbem-12939	177	5	,	,	PUNCT
fbem-12939	177	6	d.	d.	PROPN
fbem-12939	177	7	,	,	PUNCT
fbem-12939	177	8	mendenhall	mendenhall	PROPN
fbem-12939	177	9	,	,	PUNCT
fbem-12939	177	10	w.	w.	PROPN
fbem-12939	177	11	,	,	PUNCT
fbem-12939	177	12	&	&	CCONJ
fbem-12939	177	13	scheaffer	scheaffer	PROPN
fbem-12939	177	14	,	,	PUNCT
fbem-12939	177	15	r.	r.	PROPN
fbem-12939	177	16	l.	l.	PROPN
fbem-12939	177	17	(	(	PUNCT
fbem-12939	177	18	2014	2014	NUM
fbem-12939	177	19	)	)	PUNCT
fbem-12939	177	20	.	.	PUNCT
fbem-12939	178	1	mathematical	mathematical	ADJ
fbem-12939	178	2	statistics	statistic	NOUN
fbem-12939	178	3	with	with	ADP
fbem-12939	178	4	applications	application	NOUN
fbem-12939	178	5	.	.	PUNCT
fbem-12939	179	1	cengage	cengage	PROPN
fbem-12939	179	2	learning	learning	PROPN
fbem-12939	179	3	.	.	PUNCT
fbem-12939	180	1	[	[	X
fbem-12939	180	2	16	16	NUM
fbem-12939	180	3	]	]	X
fbem-12939	180	4	wang	wang	PROPN
fbem-12939	180	5	,	,	PUNCT
fbem-12939	180	6	c.	c.	PROPN
fbem-12939	180	7	,	,	PUNCT
fbem-12939	180	8	yao	yao	PROPN
fbem-12939	180	9	,	,	PUNCT
fbem-12939	180	10	l.	l.	PROPN
fbem-12939	180	11	,	,	PUNCT
fbem-12939	180	12	&	&	CCONJ
fbem-12939	180	13	chai	chai	NOUN
fbem-12939	180	14	,	,	PUNCT
fbem-12939	180	15	s.	s.	PROPN
fbem-12939	180	16	(	(	PUNCT
fbem-12939	180	17	2019	2019	NUM
fbem-12939	180	18	)	)	PUNCT
fbem-12939	180	19	.	.	PUNCT
fbem-12939	181	1	the	the	DET
fbem-12939	181	2	impact	impact	NOUN
fbem-12939	181	3	of	of	ADP
fbem-12939	181	4	age	age	NOUN
fbem-12939	181	5	structure	structure	NOUN
fbem-12939	181	6	on	on	ADP
fbem-12939	181	7	household	household	NOUN
fbem-12939	181	8	asset	asset	NOUN
fbem-12939	181	9	allocation	allocation	NOUN
fbem-12939	181	10	and	and	CCONJ
fbem-12939	181	11	its	its	PRON
fbem-12939	181	12	regional	regional	ADJ
fbem-12939	181	13	differences	difference	NOUN
fbem-12939	181	14	.	.	PUNCT
fbem-12939	182	1	international	international	ADJ
fbem-12939	182	2	finance	finance	NOUN
fbem-12939	182	3	research	research	NOUN
fbem-12939	182	4	,	,	PUNCT
fbem-12939	182	5	(	(	PUNCT
fbem-12939	182	6	02	02	NUM
fbem-12939	182	7	)	)	PUNCT
fbem-12939	182	8	,	,	PUNCT
fbem-12939	182	9	76	76	NUM
fbem-12939	182	10	-	-	SYM
fbem-12939	182	11	86	86	NUM
fbem-12939	182	12	.	.	PUNCT
fbem-12939	183	1	[	[	X
fbem-12939	183	2	17	17	NUM
fbem-12939	183	3	]	]	SYM
fbem-12939	183	4	wu	wu	PROPN
fbem-12939	183	5	,	,	PUNCT
fbem-12939	183	6	y.	y.	PROPN
fbem-12939	183	7	,	,	PUNCT
fbem-12939	183	8	li	li	PROPN
fbem-12939	183	9	,	,	PUNCT
fbem-12939	183	10	x.	x.	PROPN
fbem-12939	183	11	,	,	PUNCT
fbem-12939	183	12	li	li	PROPN
fbem-12939	183	13	,	,	PUNCT
fbem-12939	183	14	j.	j.	PROPN
fbem-12939	183	15	,	,	PUNCT
fbem-12939	183	16	&	&	CCONJ
fbem-12939	183	17	zhou	zhou	PROPN
fbem-12939	183	18	,	,	PUNCT
fbem-12939	183	19	l.	l.	PROPN
fbem-12939	183	20	(	(	PUNCT
fbem-12939	183	21	2021	2021	NUM
fbem-12939	183	22	)	)	PUNCT
fbem-12939	183	23	.	.	PUNCT
fbem-12939	184	1	digital	digital	ADJ
fbem-12939	184	2	financial	financial	ADJ
fbem-12939	184	3	development	development	NOUN
fbem-12939	184	4	and	and	CCONJ
fbem-12939	184	5	effectiveness	effectiveness	NOUN
fbem-12939	184	6	of	of	ADP
fbem-12939	184	7	household	household	NOUN
fbem-12939	184	8	financial	financial	ADJ
fbem-12939	184	9	asset	asset	NOUN
fbem-12939	184	10	allocation	allocation	NOUN
fbem-12939	184	11	.	.	PUNCT
fbem-12939	185	1	management	management	NOUN
fbem-12939	185	2	world	world	NOUN
fbem-12939	185	3	,	,	PUNCT
fbem-12939	185	4	(	(	PUNCT
fbem-12939	185	5	07	07	NUM
fbem-12939	185	6	)	)	PUNCT
fbem-12939	185	7	,	,	PUNCT
fbem-12939	185	8	92	92	NUM
fbem-12939	185	9	-	-	SYM
fbem-12939	185	10	104	104	NUM
fbem-12939	185	11	+	+	NOUN
fbem-12939	185	12	7	7	NUM
fbem-12939	185	13	.	.	PUNCT