id	sid	tid	token	lemma	pos
gra-86	1	1	introduction	introduction	NOUN
gra-86	1	2	:	:	PUNCT
gra-86	1	3	retirement	retirement	NOUN
gra-86	1	4	is	be	AUX
gra-86	1	5	a	a	DET
gra-86	1	6	comprehensive	comprehensive	ADJ
gra-86	1	7	component	component	NOUN
gra-86	1	8	of	of	ADP
gra-86	1	9	the	the	DET
gra-86	1	10	normative	normative	ADJ
gra-86	1	11	life	life	NOUN
gra-86	1	12	cycle	cycle	NOUN
gra-86	1	13	stage	stage	NOUN
gra-86	1	14	,	,	PUNCT
gra-86	1	15	so	so	CCONJ
gra-86	1	16	it	it	PRON
gra-86	1	17	is	be	AUX
gra-86	1	18	very	very	ADV
gra-86	1	19	important	important	ADJ
gra-86	1	20	to	to	PART
gra-86	1	21	plan	plan	VERB
gra-86	1	22	for	for	ADP
gra-86	1	23	the	the	DET
gra-86	1	24	golden	golden	ADJ
gra-86	1	25	years	year	NOUN
gra-86	1	26	of	of	ADP
gra-86	1	27	life	life	NOUN
gra-86	1	28	.	.	PUNCT
gra-86	2	1	deciding	decide	VERB
gra-86	2	2	when	when	SCONJ
gra-86	2	3	to	to	PART
gra-86	2	4	retire	retire	VERB
gra-86	2	5	may	may	AUX
gra-86	2	6	be	be	AUX
gra-86	2	7	one	one	NUM
gra-86	2	8	of	of	ADP
gra-86	2	9	the	the	DET
gra-86	2	10	most	most	ADV
gra-86	2	11	important	important	ADJ
gra-86	2	12	decisions	decision	NOUN
gra-86	2	13	an	an	DET
gra-86	2	14	individual	individual	NOUN
gra-86	2	15	makes	make	VERB
gra-86	2	16	during	during	ADP
gra-86	2	17	his	his	PRON
gra-86	2	18	or	or	CCONJ
gra-86	2	19	her	her	PRON
gra-86	2	20	lifetime	lifetime	NOUN
gra-86	2	21	.	.	PUNCT
gra-86	3	1	although	although	SCONJ
gra-86	3	2	the	the	DET
gra-86	3	3	retirement	retirement	NOUN
gra-86	3	4	decision	decision	NOUN
gra-86	3	5	occurs	occur	VERB
gra-86	3	6	late	late	ADV
gra-86	3	7	in	in	ADP
gra-86	3	8	time	time	NOUN
gra-86	3	9	,	,	PUNCT
gra-86	3	10	it	it	PRON
gra-86	3	11	can	can	AUX
gra-86	3	12	signicantly	signicantly	ADV
gra-86	3	13	affect	affect	VERB
gra-86	3	14	an	an	DET
gra-86	3	15	individual	individual	NOUN
gra-86	3	16	's	's	PART
gra-86	3	17	well	well	ADV
gra-86	3	18	-	-	PUNCT
gra-86	3	19	being	being	NOUN
gra-86	3	20	for	for	ADP
gra-86	3	21	many	many	ADJ
gra-86	3	22	years	year	NOUN
gra-86	3	23	.	.	PUNCT
gra-86	4	1	when	when	SCONJ
gra-86	4	2	individuals	individual	NOUN
gra-86	4	3	decide	decide	VERB
gra-86	4	4	to	to	PART
gra-86	4	5	stop	stop	VERB
gra-86	4	6	working	work	VERB
gra-86	4	7	,	,	PUNCT
gra-86	4	8	they	they	PRON
gra-86	4	9	must	must	AUX
gra-86	4	10	have	have	VERB
gra-86	4	11	a	a	DET
gra-86	4	12	way	way	NOUN
gra-86	4	13	to	to	PART
gra-86	4	14	support	support	VERB
gra-86	4	15	themselves	themselves	PRON
gra-86	4	16	nancially	nancially	ADV
gra-86	4	17	,	,	PUNCT
gra-86	4	18	as	as	SCONJ
gra-86	4	19	their	their	PRON
gra-86	4	20	income	income	NOUN
gra-86	4	21	from	from	ADP
gra-86	4	22	work	work	NOUN
gra-86	4	23	will	will	AUX
gra-86	4	24	no	no	ADV
gra-86	4	25	longer	long	ADV
gra-86	4	26	be	be	AUX
gra-86	4	27	available	available	ADJ
gra-86	4	28	.	.	PUNCT
gra-86	5	1	thus	thus	ADV
gra-86	5	2	,	,	PUNCT
gra-86	5	3	the	the	DET
gra-86	5	4	question	question	NOUN
gra-86	5	5	of	of	ADP
gra-86	5	6	how	how	SCONJ
gra-86	5	7	to	to	PART
gra-86	5	8	support	support	VERB
gra-86	5	9	oneself	oneself	PRON
gra-86	5	10	in	in	ADP
gra-86	5	11	retirement	retirement	NOUN
gra-86	5	12	should	should	AUX
gra-86	5	13	be	be	AUX
gra-86	5	14	an	an	DET
gra-86	5	15	important	important	ADJ
gra-86	5	16	consideration	consideration	NOUN
gra-86	5	17	in	in	ADP
gra-86	5	18	the	the	DET
gra-86	5	19	retirement	retirement	NOUN
gra-86	5	20	decision	decision	NOUN
gra-86	5	21	.	.	PUNCT
gra-86	6	1	in	in	ADP
gra-86	6	2	addition	addition	NOUN
gra-86	6	3	to	to	ADP
gra-86	6	4	the	the	DET
gra-86	6	5	nancial	nancial	ADJ
gra-86	6	6	and	and	CCONJ
gra-86	6	7	health	health	NOUN
gra-86	6	8	aspects	aspect	NOUN
gra-86	6	9	of	of	ADP
gra-86	6	10	the	the	DET
gra-86	6	11	retirement	retirement	NOUN
gra-86	6	12	decision	decision	NOUN
gra-86	6	13	,	,	PUNCT
gra-86	6	14	policymakers	policymaker	NOUN
gra-86	6	15	and	and	CCONJ
gra-86	6	16	those	those	PRON
gra-86	6	17	in	in	ADP
gra-86	6	18	the	the	DET
gra-86	6	19	position	position	NOUN
gra-86	6	20	to	to	PART
gra-86	6	21	guide	guide	VERB
gra-86	6	22	the	the	DET
gra-86	6	23	choices	choice	NOUN
gra-86	6	24	of	of	ADP
gra-86	6	25	future	future	ADJ
gra-86	6	26	retirees	retiree	NOUN
gra-86	6	27	understand	understand	VERB
gra-86	6	28	the	the	DET
gra-86	6	29	possible	possible	ADJ
gra-86	6	30	behavioural	behavioural	ADJ
gra-86	6	31	and	and	CCONJ
gra-86	6	32	psychological	psychological	ADJ
gra-86	6	33	features	feature	NOUN
gra-86	6	34	of	of	ADP
gra-86	6	35	the	the	DET
gra-86	6	36	retirement	retirement	NOUN
gra-86	6	37	decision	decision	NOUN
gra-86	6	38	.	.	PUNCT
gra-86	7	1	literature	literature	PROPN
gra-86	7	2	review	review	PROPN
gra-86	7	3	:	:	PUNCT
gra-86	7	4	ÿ	ÿ	PROPN
gra-86	7	5	bahrami	bahrami	NOUN
gra-86	7	6	(	(	PUNCT
gra-86	7	7	2001	2001	NUM
gra-86	7	8	)	)	PUNCT
gra-86	7	9	,	,	PUNCT
gra-86	7	10	the	the	DET
gra-86	7	11	paper	paper	NOUN
gra-86	7	12	examines	examine	VERB
gra-86	7	13	the	the	DET
gra-86	7	14	factors	factor	NOUN
gra-86	7	15	inuencing	inuence	VERB
gra-86	7	16	faculty	faculty	NOUN
gra-86	7	17	members	member	NOUN
gra-86	7	18	'	'	PART
gra-86	7	19	retirement	retirement	NOUN
gra-86	7	20	decisions	decision	NOUN
gra-86	7	21	for	for	ADP
gra-86	7	22	this	this	PRON
gra-86	7	23	the	the	DET
gra-86	7	24	data	datum	NOUN
gra-86	7	25	from	from	ADP
gra-86	7	26	a	a	DET
gra-86	7	27	random	random	ADJ
gra-86	7	28	,	,	PUNCT
gra-86	7	29	national	national	ADJ
gra-86	7	30	sample	sample	NOUN
gra-86	7	31	of	of	ADP
gra-86	7	32	faculty	faculty	NOUN
gra-86	7	33	,	,	PUNCT
gra-86	7	34	ages	age	NOUN
gra-86	7	35	56	56	NUM
gra-86	7	36	and	and	CCONJ
gra-86	7	37	older	old	ADJ
gra-86	7	38	has	have	AUX
gra-86	7	39	been	be	AUX
gra-86	7	40	used	use	VERB
gra-86	7	41	.	.	PUNCT
gra-86	8	1	the	the	DET
gra-86	8	2	impacts	impact	NOUN
gra-86	8	3	that	that	SCONJ
gra-86	8	4	nancial	nancial	ADJ
gra-86	8	5	,	,	PUNCT
gra-86	8	6	personal	personal	ADJ
gra-86	8	7	,	,	PUNCT
gra-86	8	8	and	and	CCONJ
gra-86	8	9	institutional	institutional	ADJ
gra-86	8	10	factors	factor	NOUN
gra-86	8	11	may	may	AUX
gra-86	8	12	have	have	VERB
gra-86	8	13	on	on	ADP
gra-86	8	14	faculty	faculty	NOUN
gra-86	8	15	members	member	NOUN
gra-86	8	16	'	'	PART
gra-86	8	17	retirement	retirement	NOUN
gra-86	8	18	decisions	decision	NOUN
gra-86	8	19	are	be	AUX
gra-86	8	20	explored	explore	VERB
gra-86	8	21	.	.	PUNCT
gra-86	9	1	the	the	DET
gra-86	9	2	paper	paper	NOUN
gra-86	9	3	suggests	suggest	VERB
gra-86	9	4	that	that	SCONJ
gra-86	9	5	the	the	DET
gra-86	9	6	factors	factor	NOUN
gra-86	9	7	such	such	ADJ
gra-86	9	8	as	as	ADP
gra-86	9	9	such	such	ADJ
gra-86	9	10	as	as	ADP
gra-86	9	11	uncapping	uncapping	NOUN
gra-86	9	12	of	of	ADP
gra-86	9	13	the	the	DET
gra-86	9	14	retirement	retirement	NOUN
gra-86	9	15	age	age	NOUN
gra-86	9	16	,	,	PUNCT
gra-86	9	17	current	current	ADJ
gra-86	9	18	salary	salary	NOUN
gra-86	9	19	,	,	PUNCT
gra-86	9	20	eligibility	eligibility	NOUN
gra-86	9	21	for	for	ADP
gra-86	9	22	full	full	ADJ
gra-86	9	23	retirement	retirement	NOUN
gra-86	9	24	benets	benets	PROPN
gra-86	9	25	,	,	PUNCT
gra-86	9	26	other	other	ADJ
gra-86	9	27	sources	source	NOUN
gra-86	9	28	of	of	ADP
gra-86	9	29	income	income	NOUN
gra-86	9	30	,	,	PUNCT
gra-86	9	31	early	early	ADJ
gra-86	9	32	retirement	retirement	NOUN
gra-86	9	33	incentives	incentive	NOUN
gra-86	9	34	,	,	PUNCT
gra-86	9	35	social	social	ADJ
gra-86	9	36	security	security	NOUN
gra-86	9	37	income	income	NOUN
gra-86	9	38	,	,	PUNCT
gra-86	9	39	preference	preference	NOUN
gra-86	9	40	for	for	ADP
gra-86	9	41	leisure	leisure	NOUN
gra-86	9	42	,	,	PUNCT
gra-86	9	43	teaching	teaching	NOUN
gra-86	9	44	effectiveness	effectiveness	NOUN
gra-86	9	45	,	,	PUNCT
gra-86	9	46	type	type	NOUN
gra-86	9	47	of	of	ADP
gra-86	9	48	institution	institution	NOUN
gra-86	9	49	,	,	PUNCT
gra-86	9	50	and	and	CCONJ
gra-86	9	51	the	the	DET
gra-86	9	52	level	level	NOUN
gra-86	9	53	of	of	ADP
gra-86	9	54	education	education	NOUN
gra-86	9	55	of	of	ADP
gra-86	9	56	faculty	faculty	NOUN
gra-86	9	57	have	have	VERB
gra-86	9	58	a	a	DET
gra-86	9	59	signicant	signicant	ADJ
gra-86	9	60	inuence	inuence	PROPN
gra-86	9	61	on	on	ADP
gra-86	9	62	faculty	faculty	NOUN
gra-86	9	63	members	member	NOUN
gra-86	9	64	'	'	PART
gra-86	9	65	decisions	decision	NOUN
gra-86	9	66	to	to	PART
gra-86	9	67	retire	retire	VERB
gra-86	9	68	.	.	PUNCT
gra-86	10	1	ÿ	ÿ	PROPN
gra-86	10	2	beh	beh	PROPN
gra-86	10	3	&	&	CCONJ
gra-86	10	4	folk	folk	PROPN
gra-86	10	5	(	(	PUNCT
gra-86	10	6	2012	2012	NUM
gra-86	10	7	)	)	PUNCT
gra-86	10	8	,	,	PUNCT
gra-86	10	9	the	the	DET
gra-86	10	10	paper	paper	NOUN
gra-86	10	11	analyses	analyse	VERB
gra-86	10	12	the	the	DET
gra-86	10	13	inuence	inuence	PROPN
gra-86	10	14	of	of	ADP
gra-86	10	15	nancial	nancial	ADJ
gra-86	10	16	learning	learning	NOUN
gra-86	10	17	on	on	ADP
gra-86	10	18	retirees	retiree	NOUN
gra-86	10	19	'	'	PART
gra-86	10	20	retirement	retirement	NOUN
gra-86	10	21	nancial	nancial	ADJ
gra-86	10	22	planning	planning	NOUN
gra-86	10	23	preparation.750	preparation.750	NOUN
gra-86	10	24	questionnaires	questionnaire	NOUN
gra-86	10	25	were	be	AUX
gra-86	10	26	distributed	distribute	VERB
gra-86	10	27	with	with	ADP
gra-86	10	28	the	the	DET
gra-86	10	29	return	return	NOUN
gra-86	10	30	rate	rate	NOUN
gra-86	10	31	of	of	ADP
gra-86	10	32	53.9	53.9	NUM
gra-86	10	33	%	%	NOUN
gra-86	10	34	return	return	NOUN
gra-86	10	35	rate	rate	NOUN
gra-86	10	36	.	.	PUNCT
gra-86	11	1	three	three	NUM
gra-86	11	2	hypotheses	hypothesis	NOUN
gra-86	11	3	have	have	AUX
gra-86	11	4	been	be	AUX
gra-86	11	5	analysed	analyse	VERB
gra-86	11	6	using	use	VERB
gra-86	11	7	hierarchal	hierarchal	ADJ
gra-86	11	8	regression	regression	NOUN
gra-86	11	9	analysis	analysis	NOUN
gra-86	11	10	.	.	PUNCT
gra-86	12	1	in	in	ADP
gra-86	12	2	the	the	DET
gra-86	12	3	results	result	NOUN
gra-86	12	4	it	it	PRON
gra-86	12	5	was	be	AUX
gra-86	12	6	found	find	VERB
gra-86	12	7	that	that	SCONJ
gra-86	12	8	,	,	PUNCT
gra-86	12	9	some	some	DET
gra-86	12	10	mediating	mediate	VERB
gra-86	12	11	effect	effect	NOUN
gra-86	12	12	existed	exist	VERB
gra-86	12	13	between	between	ADP
gra-86	12	14	nancial	nancial	ADJ
gra-86	12	15	learning	learning	NOUN
gra-86	12	16	and	and	CCONJ
gra-86	12	17	behavioural	behavioural	ADJ
gra-86	12	18	assessment	assessment	NOUN
gra-86	12	19	of	of	ADP
gra-86	12	20	personal	personal	ADJ
gra-86	12	21	nance	nance	NOUN
gra-86	12	22	,	,	PUNCT
gra-86	12	23	and	and	CCONJ
gra-86	12	24	that	that	SCONJ
gra-86	12	25	the	the	DET
gra-86	12	26	older	old	ADJ
gra-86	12	27	age	age	NOUN
gra-86	12	28	groups	group	NOUN
gra-86	12	29	had	have	VERB
gra-86	12	30	mediating	mediate	VERB
gra-86	12	31	effect	effect	NOUN
gra-86	12	32	on	on	ADP
gra-86	12	33	the	the	DET
gra-86	12	34	relationship	relationship	NOUN
gra-86	12	35	between	between	ADP
gra-86	12	36	nancial	nancial	ADJ
gra-86	12	37	learning	learning	NOUN
gra-86	12	38	and	and	CCONJ
gra-86	12	39	subjective	subjective	ADJ
gra-86	12	40	perception	perception	NOUN
gra-86	12	41	of	of	ADP
gra-86	12	42	satisfaction	satisfaction	NOUN
gra-86	12	43	with	with	ADP
gra-86	12	44	personal	personal	ADJ
gra-86	12	45	nance	nance	NOUN
gra-86	12	46	.	.	PUNCT
gra-86	13	1	within	within	ADP
gra-86	13	2	this	this	DET
gra-86	13	3	context	context	NOUN
gra-86	13	4	the	the	DET
gra-86	13	5	respondents	respondent	NOUN
gra-86	13	6	were	be	AUX
gra-86	13	7	satised	satised	PROPN
gra-86	13	8	with	with	ADP
gra-86	13	9	their	their	PRON
gra-86	13	10	nancial	nancial	ADJ
gra-86	13	11	situation	situation	NOUN
gra-86	13	12	from	from	ADP
gra-86	13	13	behavioural	behavioural	ADJ
gra-86	13	14	assessment	assessment	NOUN
gra-86	13	15	of	of	ADP
gra-86	13	16	personal	personal	ADJ
gra-86	13	17	nance	nance	NOUN
gra-86	13	18	,	,	PUNCT
gra-86	13	19	subjective	subjective	ADJ
gra-86	13	20	perception	perception	NOUN
gra-86	13	21	and	and	CCONJ
gra-86	13	22	perceived	perceive	VERB
gra-86	13	23	nancial	nancial	ADJ
gra-86	13	24	well	well	ADV
gra-86	13	25	-	-	PUNCT
gra-86	13	26	being	being	NOUN
gra-86	13	27	perspective	perspective	NOUN
gra-86	13	28	.	.	PUNCT
gra-86	14	1	the	the	DET
gra-86	14	2	study	study	NOUN
gra-86	14	3	also	also	ADV
gra-86	14	4	suggested	suggest	VERB
gra-86	14	5	that	that	SCONJ
gra-86	14	6	the	the	DET
gra-86	14	7	older	old	ADJ
gra-86	14	8	age	age	NOUN
gra-86	14	9	groups	group	NOUN
gra-86	14	10	(	(	PUNCT
gra-86	14	11	above	above	ADP
gra-86	14	12	50	50	NUM
gra-86	14	13	years	year	NOUN
gra-86	14	14	)	)	PUNCT
gra-86	14	15	had	have	VERB
gra-86	14	16	mediating	mediate	VERB
gra-86	14	17	effect	effect	NOUN
gra-86	14	18	on	on	ADP
gra-86	14	19	the	the	DET
gra-86	14	20	relationship	relationship	NOUN
gra-86	14	21	between	between	ADP
gra-86	14	22	nancial	nancial	ADJ
gra-86	14	23	learning	learning	NOUN
gra-86	14	24	and	and	CCONJ
gra-86	14	25	subjective	subjective	ADJ
gra-86	14	26	perception	perception	NOUN
gra-86	14	27	of	of	ADP
gra-86	14	28	satisfaction	satisfaction	NOUN
gra-86	14	29	with	with	ADP
gra-86	14	30	personal	personal	ADJ
gra-86	14	31	nance	nance	NOUN
gra-86	14	32	.	.	PUNCT
gra-86	15	1	ÿ	ÿ	PROPN
gra-86	15	2	chalmers	chalmers	PROPN
gra-86	15	3	,	,	PUNCT
gra-86	15	4	johnson	johnson	PROPN
gra-86	15	5	,	,	PUNCT
gra-86	15	6	&	&	CCONJ
gra-86	15	7	reuter	reuter	PROPN
gra-86	15	8	(	(	PUNCT
gra-86	15	9	2008	2008	NUM
gra-86	15	10	)	)	PUNCT
gra-86	15	11	,	,	PUNCT
gra-86	15	12	the	the	DET
gra-86	15	13	study	study	NOUN
gra-86	15	14	focuses	focus	VERB
gra-86	15	15	on	on	ADP
gra-86	15	16	the	the	DET
gra-86	15	17	factors	factor	NOUN
gra-86	15	18	that	that	PRON
gra-86	15	19	affect	affect	VERB
gra-86	15	20	the	the	DET
gra-86	15	21	choice	choice	NOUN
gra-86	15	22	of	of	ADP
gra-86	15	23	retirement	retirement	NOUN
gra-86	15	24	date	date	NOUN
gra-86	15	25	for	for	ADP
gra-86	15	26	the	the	DET
gra-86	15	27	purpose	purpose	NOUN
gra-86	15	28	of	of	ADP
gra-86	15	29	which	which	PRON
gra-86	15	30	a	a	DET
gra-86	15	31	large	large	ADJ
gra-86	15	32	sample	sample	NOUN
gra-86	15	33	of	of	ADP
gra-86	15	34	retirement	retirement	NOUN
gra-86	15	35	-	-	PUNCT
gra-86	15	36	eligible	eligible	ADJ
gra-86	15	37	oregon	oregon	PROPN
gra-86	15	38	state	state	PROPN
gra-86	15	39	employees	employee	NOUN
gra-86	15	40	were	be	AUX
gra-86	15	41	considered	consider	VERB
gra-86	15	42	for	for	ADP
gra-86	15	43	the	the	DET
gra-86	15	44	purpose	purpose	NOUN
gra-86	15	45	of	of	ADP
gra-86	15	46	analyses	analysis	NOUN
gra-86	15	47	between	between	ADP
gra-86	15	48	1992	1992	NUM
gra-86	15	49	and	and	CCONJ
gra-86	15	50	2003	2003	NUM
gra-86	15	51	.	.	PUNCT
gra-86	16	1	as	as	ADP
gra-86	16	2	per	per	ADP
gra-86	16	3	the	the	DET
gra-86	16	4	situation	situation	NOUN
gra-86	16	5	it	it	PRON
gra-86	16	6	was	be	AUX
gra-86	16	7	hypothesized	hypothesize	VERB
gra-86	16	8	that	that	SCONJ
gra-86	16	9	the	the	DET
gra-86	16	10	individuals	individual	NOUN
gra-86	16	11	will	will	AUX
gra-86	16	12	infer	infer	VERB
gra-86	16	13	their	their	PRON
gra-86	16	14	optimal	optimal	ADJ
gra-86	16	15	retirement	retirement	NOUN
gra-86	16	16	behaviour	behaviour	NOUN
gra-86	16	17	,	,	PUNCT
gra-86	16	18	in	in	ADP
gra-86	16	19	part	part	NOUN
gra-86	16	20	,	,	PUNCT
gra-86	16	21	from	from	ADP
gra-86	16	22	the	the	DET
gra-86	16	23	retirement	retirement	NOUN
gra-86	16	24	behaviour	behaviour	NOUN
gra-86	16	25	of	of	ADP
gra-86	16	26	their	their	PRON
gra-86	16	27	co	co	NOUN
gra-86	16	28	-	-	NOUN
gra-86	16	29	workers	worker	NOUN
gra-86	16	30	.	.	PUNCT
gra-86	17	1	the	the	DET
gra-86	17	2	ndings	nding	NOUN
gra-86	17	3	suggest	suggest	VERB
gra-86	17	4	that	that	SCONJ
gra-86	17	5	individuals	individual	NOUN
gra-86	17	6	are	be	AUX
gra-86	17	7	economically	economically	ADV
gra-86	17	8	signicantly	signicantly	ADV
gra-86	17	9	more	more	ADV
gra-86	17	10	likely	likely	ADJ
gra-86	17	11	to	to	PART
gra-86	17	12	retire	retire	VERB
gra-86	17	13	in	in	ADP
gra-86	17	14	months	month	NOUN
gra-86	17	15	when	when	SCONJ
gra-86	17	16	more	more	ADJ
gra-86	17	17	of	of	ADP
gra-86	17	18	their	their	PRON
gra-86	17	19	co	co	NOUN
gra-86	17	20	-	-	NOUN
gra-86	17	21	workers	worker	NOUN
gra-86	17	22	retire	retire	VERB
gra-86	17	23	and	and	CCONJ
gra-86	17	24	it	it	PRON
gra-86	17	25	was	be	AUX
gra-86	17	26	also	also	ADV
gra-86	17	27	found	find	VERB
gra-86	17	28	that	that	SCONJ
gra-86	17	29	there	there	PRON
gra-86	17	30	is	be	VERB
gra-86	17	31	less	less	ADJ
gra-86	17	32	effect	effect	NOUN
gra-86	17	33	of	of	ADP
gra-86	17	34	the	the	DET
gra-86	17	35	peers	peer	NOUN
gra-86	17	36	in	in	ADP
gra-86	17	37	the	the	DET
gra-86	17	38	case	case	NOUN
gra-86	17	39	of	of	ADP
gra-86	17	40	employees	employee	NOUN
gra-86	17	41	whose	whose	DET
gra-86	17	42	salaries	salary	NOUN
gra-86	17	43	are	be	AUX
gra-86	17	44	in	in	ADP
gra-86	17	45	the	the	DET
gra-86	17	46	bottom	bottom	ADJ
gra-86	17	47	25th	25th	PROPN
gra-86	17	48	percentile	percentile	NOUN
gra-86	17	49	,	,	PUNCT
gra-86	17	50	where	where	SCONJ
gra-86	17	51	nancial	nancial	ADJ
gra-86	17	52	literacy	literacy	NOUN
gra-86	17	53	is	be	AUX
gra-86	17	54	likely	likely	ADJ
gra-86	17	55	to	to	PART
gra-86	17	56	be	be	AUX
gra-86	17	57	the	the	DET
gra-86	17	58	lowest	low	ADJ
gra-86	17	59	.	.	PUNCT
gra-86	18	1	ÿ	ÿ	PROPN
gra-86	18	2	davey(2008	davey(2008	NOUN
gra-86	18	3	)	)	PUNCT
gra-86	18	4	,	,	PUNCT
gra-86	18	5	ageing	age	VERB
gra-86	18	6	of	of	ADP
gra-86	18	7	the	the	DET
gra-86	18	8	workforce	workforce	NOUN
gra-86	18	9	is	be	AUX
gra-86	18	10	likely	likely	ADJ
gra-86	18	11	to	to	PART
gra-86	18	12	lead	lead	VERB
gra-86	18	13	to	to	ADP
gra-86	18	14	labour	labour	NOUN
gra-86	18	15	and	and	CCONJ
gra-86	18	16	skills	skill	NOUN
gra-86	18	17	shortages	shortage	NOUN
gra-86	18	18	.	.	PUNCT
gra-86	19	1	the	the	DET
gra-86	19	2	factors	factor	NOUN
gra-86	19	3	inuencing	inuence	VERB
gra-86	19	4	retirement	retirement	NOUN
gra-86	19	5	decisions	decision	NOUN
gra-86	19	6	are	be	AUX
gra-86	19	7	thus	thus	ADV
gra-86	19	8	important	important	ADJ
gra-86	19	9	in	in	ADP
gra-86	19	10	personal	personal	ADJ
gra-86	19	11	as	as	ADV
gra-86	19	12	well	well	ADV
gra-86	19	13	as	as	ADP
gra-86	19	14	policy	policy	NOUN
gra-86	19	15	terms	term	NOUN
gra-86	19	16	.	.	PUNCT
gra-86	20	1	the	the	DET
gra-86	20	2	factors	factor	NOUN
gra-86	20	3	including	include	VERB
gra-86	20	4	health	health	NOUN
gra-86	20	5	and	and	CCONJ
gra-86	20	6	nancial	nancial	ADJ
gra-86	20	7	circumstances	circumstance	NOUN
gra-86	20	8	has	have	AUX
gra-86	20	9	been	be	AUX
gra-86	20	10	reviewed	review	VERB
gra-86	20	11	i	i	PRON
gra-86	20	12	this	this	DET
gra-86	20	13	paper	paper	NOUN
gra-86	20	14	with	with	ADP
gra-86	20	15	special	special	ADJ
gra-86	20	16	reference	reference	NOUN
gra-86	20	17	to	to	ADP
gra-86	20	18	the	the	DET
gra-86	20	19	new	new	PROPN
gra-86	20	20	zealand	zealand	PROPN
gra-86	20	21	sources	source	NOUN
gra-86	20	22	,	,	PUNCT
gra-86	20	23	especially	especially	ADV
gra-86	20	24	the	the	DET
gra-86	20	25	health	health	NOUN
gra-86	20	26	,	,	PUNCT
gra-86	20	27	work	work	NOUN
gra-86	20	28	and	and	CCONJ
gra-86	20	29	retirement	retirement	NOUN
gra-86	20	30	study	study	NOUN
gra-86	20	31	.	.	PUNCT
gra-86	21	1	the	the	DET
gra-86	21	2	ndings	nding	NOUN
gra-86	21	3	of	of	ADP
gra-86	21	4	the	the	DET
gra-86	21	5	qualitative	qualitative	ADJ
gra-86	21	6	interviews	interview	NOUN
gra-86	21	7	suggest	suggest	VERB
gra-86	21	8	how	how	SCONJ
gra-86	21	9	the	the	DET
gra-86	21	10	individuals	individual	NOUN
gra-86	21	11	interact	interact	VERB
gra-86	21	12	and	and	CCONJ
gra-86	21	13	highlight	highlight	VERB
gra-86	21	14	the	the	DET
gra-86	21	15	importance	importance	NOUN
gra-86	21	16	of	of	ADP
gra-86	21	17	life	life	NOUN
gra-86	21	18	-	-	PUNCT
gra-86	21	19	course	course	NOUN
gra-86	21	20	factors	factor	NOUN
gra-86	21	21	,	,	PUNCT
gra-86	21	22	both	both	CCONJ
gra-86	21	23	personal	personal	ADJ
gra-86	21	24	and	and	CCONJ
gra-86	21	25	contextual	contextual	ADJ
gra-86	21	26	which	which	PRON
gra-86	21	27	serve	serve	VERB
gra-86	21	28	as	as	ADP
gra-86	21	29	a	a	DET
gra-86	21	30	key	key	NOUN
gra-86	21	31	to	to	ADP
gra-86	21	32	the	the	DET
gra-86	21	33	decisions	decision	NOUN
gra-86	21	34	about	about	ADP
gra-86	21	35	the	the	DET
gra-86	21	36	workforce	workforce	NOUN
gra-86	21	37	participation	participation	NOUN
gra-86	21	38	in	in	ADP
gra-86	21	39	mid	mid	ADJ
gra-86	21	40	and	and	CCONJ
gra-86	21	41	later	later	ADJ
gra-86	21	42	life	life	NOUN
gra-86	21	43	.	.	PUNCT
gra-86	22	1	objectives	objective	NOUN
gra-86	22	2	of	of	ADP
gra-86	22	3	the	the	DET
gra-86	22	4	study	study	NOUN
gra-86	22	5	:	:	PUNCT
gra-86	22	6	ÿ	ÿ	X
gra-86	22	7	to	to	PART
gra-86	22	8	analyse	analyse	VERB
gra-86	22	9	the	the	DET
gra-86	22	10	preferences	preference	NOUN
gra-86	22	11	of	of	ADP
gra-86	22	12	individuals	individual	NOUN
gra-86	22	13	towards	towards	ADP
gra-86	22	14	retirement	retirement	NOUN
gra-86	22	15	planning	planning	NOUN
gra-86	22	16	.	.	PUNCT
gra-86	23	1	ÿ	ÿ	PROPN
gra-86	23	2	to	to	PART
gra-86	23	3	analyse	analyse	VERB
gra-86	23	4	the	the	DET
gra-86	23	5	level	level	NOUN
gra-86	23	6	of	of	ADP
gra-86	23	7	satisfaction	satisfaction	NOUN
gra-86	23	8	of	of	ADP
gra-86	23	9	the	the	DET
gra-86	23	10	individuals	individual	NOUN
gra-86	23	11	to	to	ADP
gra-86	23	12	different	different	ADJ
gra-86	23	13	avenues	avenue	NOUN
gra-86	23	14	that	that	PRON
gra-86	23	15	may	may	AUX
gra-86	23	16	be	be	AUX
gra-86	23	17	used	use	VERB
gra-86	23	18	for	for	ADP
gra-86	23	19	retirement	retirement	NOUN
gra-86	23	20	planning	planning	NOUN
gra-86	23	21	.	.	PUNCT
gra-86	24	1	ÿ	ÿ	PRON
gra-86	24	2	to	to	PART
gra-86	24	3	know	know	VERB
gra-86	24	4	the	the	DET
gra-86	24	5	reasons	reason	NOUN
gra-86	24	6	behind	behind	ADP
gra-86	24	7	not	not	PART
gra-86	24	8	planning	plan	VERB
gra-86	24	9	for	for	ADP
gra-86	24	10	retirement	retirement	NOUN
gra-86	24	11	.	.	PUNCT
gra-86	25	1	research	research	NOUN
gra-86	25	2	design	design	NOUN
gra-86	25	3	descriptive	descriptive	ADJ
gra-86	25	4	research	research	NOUN
gra-86	25	5	design	design	NOUN
gra-86	25	6	and	and	CCONJ
gra-86	25	7	have	have	AUX
gra-86	25	8	been	be	AUX
gra-86	25	9	used	use	VERB
gra-86	25	10	in	in	ADP
gra-86	25	11	the	the	DET
gra-86	25	12	project	project	NOUN
gra-86	25	13	as	as	SCONJ
gra-86	25	14	it	it	PRON
gra-86	25	15	provides	provide	VERB
gra-86	25	16	the	the	DET
gra-86	25	17	opportunity	opportunity	NOUN
gra-86	25	18	to	to	PART
gra-86	25	19	cover	cover	VERB
gra-86	25	20	all	all	DET
gra-86	25	21	the	the	DET
gra-86	25	22	aspects	aspect	NOUN
gra-86	25	23	that	that	PRON
gra-86	25	24	are	be	AUX
gra-86	25	25	required	require	VERB
gra-86	25	26	to	to	PART
gra-86	25	27	conduct	conduct	VERB
gra-86	25	28	the	the	DET
gra-86	25	29	research	research	NOUN
gra-86	25	30	.	.	PUNCT
gra-86	26	1	sampling	sample	VERB
gra-86	26	2	plan	plan	NOUN
gra-86	26	3	ÿ	ÿ	AUX
gra-86	26	4	populationworking	populationworke	VERB
gra-86	26	5	individuals	individual	NOUN
gra-86	26	6	from	from	ADP
gra-86	26	7	different	different	ADJ
gra-86	26	8	age	age	NOUN
gra-86	26	9	groups	group	NOUN
gra-86	26	10	and	and	CCONJ
gra-86	26	11	occupations	occupation	NOUN
gra-86	26	12	.	.	PUNCT
gra-86	27	1	ÿ	ÿ	X
gra-86	27	2	sampling	sample	VERB
gra-86	27	3	unitdivided	unitdivide	VERB
gra-86	27	4	on	on	ADP
gra-86	27	5	the	the	DET
gra-86	27	6	basis	basis	NOUN
gra-86	27	7	of	of	ADP
gra-86	27	8	age	age	NOUN
gra-86	27	9	groups	group	NOUN
gra-86	27	10	under	under	ADP
gra-86	27	11	the	the	DET
gra-86	27	12	following	follow	VERB
gra-86	27	13	two	two	NUM
gra-86	27	14	categories	category	NOUN
gra-86	27	15	:	:	PUNCT
gra-86	27	16	ÿ	ÿ	PROPN
gra-86	27	17	21	21	NUM
gra-86	27	18	-	-	SYM
gra-86	27	19	39	39	NUM
gra-86	27	20	years	year	NOUN
gra-86	27	21	ÿ	ÿ	ADP
gra-86	27	22	40	40	NUM
gra-86	27	23	-	-	SYM
gra-86	27	24	59	59	NUM
gra-86	27	25	years	year	NOUN
gra-86	27	26	ÿ	ÿ	DET
gra-86	27	27	sample	sample	NOUN
gra-86	27	28	size	size	NOUN
gra-86	27	29	–	–	PUNCT
gra-86	27	30	the	the	DET
gra-86	27	31	total	total	ADJ
gra-86	27	32	sample	sample	NOUN
gra-86	27	33	size	size	NOUN
gra-86	27	34	of	of	ADP
gra-86	27	35	the	the	DET
gra-86	27	36	project	project	NOUN
gra-86	27	37	is	be	AUX
gra-86	27	38	137	137	NUM
gra-86	27	39	.	.	PUNCT
gra-86	28	1	ÿ	ÿ	X
gra-86	28	2	sampling	sample	VERB
gra-86	28	3	methodstratied	methodstratied	PROPN
gra-86	28	4	sampling	sample	VERB
gra-86	28	5	ÿ	ÿ	PRON
gra-86	28	6	sampling	sample	VERB
gra-86	28	7	frame	frame	NOUN
gra-86	28	8	–	–	PUNCT
gra-86	28	9	ahmedabad	ahmedabad	NOUN
gra-86	28	10	city	city	NOUN
gra-86	28	11	ÿ	ÿ	PROPN
gra-86	28	12	statistical	statistical	ADJ
gra-86	28	13	toolsspss	toolsspss	PROPN
gra-86	28	14	v20	v20	PROPN
gra-86	28	15	and	and	CCONJ
gra-86	28	16	excel	excel	VERB
gra-86	28	17	2013	2013	NUM
gra-86	28	18	software	software	NOUN
gra-86	28	19	have	have	AUX
gra-86	28	20	been	be	AUX
gra-86	28	21	used	use	VERB
gra-86	28	22	for	for	ADP
gra-86	28	23	data	datum	NOUN
gra-86	28	24	analysis	analysis	NOUN
gra-86	28	25	.	.	PUNCT
gra-86	29	1	a	a	DET
gra-86	29	2	study	study	NOUN
gra-86	29	3	on	on	ADP
gra-86	29	4	individual	individual	PROPN
gra-86	29	5	's	's	PART
gra-86	29	6	retirement	retirement	NOUN
gra-86	29	7	planning	planning	NOUN
gra-86	29	8	behavior	behavior	NOUN
gra-86	29	9	original	original	ADJ
gra-86	29	10	research	research	NOUN
gra-86	29	11	paper	paper	NOUN
gra-86	29	12	smruti	smruti	PROPN
gra-86	29	13	vakil	vakil	PROPN
gra-86	29	14	management	management	NOUN
gra-86	29	15	keywords	keyword	NOUN
gra-86	29	16	:	:	PUNCT
gra-86	29	17	dr	dr	PROPN
gra-86	29	18	.	.	PROPN
gra-86	29	19	swati	swati	PROPN
gra-86	29	20	modi	modi	PROPN
gra-86	29	21	*	*	PROPN
gra-86	29	22	*	*	PUNCT
gra-86	29	23	corresponding	correspond	VERB
gra-86	29	24	author	author	NOUN
gra-86	29	25	volume-8	volume-8	NUM
gra-86	29	26	,	,	PUNCT
gra-86	29	27	issue-9	issue-9	NUM
gra-86	29	28	,	,	PUNCT
gra-86	29	29	september-2019	september-2019	ADJ
gra-86	29	30	•	•	NUM
gra-86	29	31	print	print	NOUN
gra-86	29	32	issn	issn	PROPN
gra-86	29	33	no	no	NOUN
gra-86	29	34	.	.	PROPN
gra-86	29	35	2277	2277	NUM
gra-86	29	36	8160	8160	NUM
gra-86	29	37	•	•	NOUN
gra-86	29	38	doi	doi	NOUN
gra-86	29	39	:	:	PUNCT
gra-86	29	40	10.36106	10.36106	NUM
gra-86	29	41	/	/	SYM
gra-86	29	42	gjra	gjra	NOUN
gra-86	29	43	data	datum	NOUN
gra-86	29	44	analysis	analysis	NOUN
gra-86	29	45	:	:	PUNCT
gra-86	29	46	order	order	NOUN
gra-86	29	47	of	of	ADP
gra-86	29	48	preferences	preference	NOUN
gra-86	29	49	1	1	NUM
gra-86	29	50	2	2	NUM
gra-86	29	51	3	3	NUM
gra-86	29	52	4	4	NUM
gra-86	29	53	5	5	NUM
gra-86	29	54	6	6	NUM
gra-86	29	55	7	7	NUM
gra-86	29	56	8	8	NUM
gra-86	29	57	9	9	NUM
gra-86	29	58	10	10	NUM
gra-86	29	59	11	11	NUM
gra-86	29	60	12	12	NUM
gra-86	29	61	13	13	NUM
gra-86	29	62	14	14	NUM
gra-86	29	63	15	15	NUM
gra-86	29	64	total	total	ADJ
gra-86	29	65	public	public	ADJ
gra-86	29	66	provident	provident	ADJ
gra-86	29	67	fund	fund	NOUN
gra-86	29	68	26	26	NUM
gra-86	29	69	5	5	NUM
gra-86	29	70	6	6	NUM
gra-86	29	71	4	4	NUM
gra-86	29	72	2	2	NUM
gra-86	29	73	1	1	NUM
gra-86	29	74	1	1	NUM
gra-86	29	75	1	1	NUM
gra-86	29	76	2	2	NUM
gra-86	29	77	48	48	NUM
gra-86	29	78	post	post	NOUN
gra-86	29	79	office	office	NOUN
gra-86	29	80	monthly	monthly	ADJ
gra-86	29	81	schemes	scheme	NOUN
gra-86	29	82	6	6	NUM
gra-86	29	83	13	13	NUM
gra-86	29	84	8	8	NUM
gra-86	29	85	6	6	NUM
gra-86	29	86	1	1	NUM
gra-86	29	87	4	4	NUM
gra-86	29	88	1	1	NUM
gra-86	29	89	1	1	NUM
gra-86	29	90	1	1	NUM
gra-86	29	91	1	1	NUM
gra-86	29	92	42	42	NUM
gra-86	29	93	134	134	NUM
gra-86	29	94	x	x	NOUN
gra-86	29	95	gjra	gjra	ADJ
gra-86	29	96	global	global	ADJ
gra-86	29	97	journal	journal	PROPN
gra-86	29	98	for	for	ADP
gra-86	29	99	research	research	NOUN
gra-86	29	100	analysis	analysis	NOUN
gra-86	29	101	chi	chi	ADJ
gra-86	29	102	-	-	PUNCT
gra-86	29	103	square	square	ADJ
gra-86	29	104	test	test	NOUN
gra-86	29	105	age	age	NOUN
gra-86	29	106	&	&	CCONJ
gra-86	29	107	awarness	awarness	PROPN
gra-86	29	108	towards	towards	ADP
gra-86	29	109	retirement	retirement	NOUN
gra-86	29	110	savings	saving	NOUN
gra-86	29	111	hypothesis	hypothesis	NOUN
gra-86	29	112	statement	statement	NOUN
gra-86	29	113	:	:	PUNCT
gra-86	29	114	h	h	NOUN
gra-86	29	115	:	:	PUNCT
gra-86	29	116	there	there	PRON
gra-86	29	117	is	be	VERB
gra-86	29	118	no	no	DET
gra-86	29	119	signicant	signicant	ADJ
gra-86	29	120	association	association	NOUN
gra-86	29	121	between	between	ADP
gra-86	29	122	age	age	NOUN
gra-86	29	123	&	&	CCONJ
gra-86	29	124	o	o	PROPN
gra-86	29	125	awareness	awareness	NOUN
gra-86	29	126	towards	towards	ADP
gra-86	29	127	early	early	ADJ
gra-86	29	128	retirement	retirement	NOUN
gra-86	29	129	planning	planning	NOUN
gra-86	29	130	.	.	PUNCT
gra-86	30	1	h	h	NOUN
gra-86	30	2	:	:	PUNCT
gra-86	30	3	there	there	PRON
gra-86	30	4	is	be	VERB
gra-86	30	5	signicant	signicant	ADJ
gra-86	30	6	association	association	NOUN
gra-86	30	7	between	between	ADP
gra-86	30	8	age	age	NOUN
gra-86	30	9	&	&	CCONJ
gra-86	30	10	awareness	awareness	NOUN
gra-86	30	11	1	1	NUM
gra-86	30	12	towards	towards	ADP
gra-86	30	13	early	early	ADJ
gra-86	30	14	retirement	retirement	NOUN
gra-86	30	15	planning	planning	NOUN
gra-86	30	16	.	.	PUNCT
gra-86	31	1	here	here	ADV
gra-86	31	2	from	from	ADP
gra-86	31	3	the	the	DET
gra-86	31	4	table	table	NOUN
gra-86	31	5	,	,	PUNCT
gra-86	31	6	if	if	SCONJ
gra-86	31	7	signicant	signicant	ADJ
gra-86	31	8	value	value	NOUN
gra-86	31	9	is	be	AUX
gra-86	31	10	less	less	ADJ
gra-86	31	11	than	than	ADP
gra-86	31	12	0.05	0.05	NUM
gra-86	31	13	,	,	PUNCT
gra-86	31	14	we	we	PRON
gra-86	31	15	reject	reject	VERB
gra-86	31	16	null	null	ADJ
gra-86	31	17	hypothesis	hypothesis	NOUN
gra-86	31	18	.	.	PUNCT
gra-86	32	1	otherwise	otherwise	ADV
gra-86	32	2	we	we	PRON
gra-86	32	3	fail	fail	VERB
gra-86	32	4	to	to	PART
gra-86	32	5	reject	reject	VERB
gra-86	32	6	the	the	DET
gra-86	32	7	null	null	ADJ
gra-86	32	8	hypothesis	hypothesis	NOUN
gra-86	32	9	.	.	PUNCT
gra-86	33	1	in	in	ADP
gra-86	33	2	the	the	DET
gra-86	33	3	table	table	NOUN
gra-86	33	4	above	above	ADV
gra-86	33	5	,	,	PUNCT
gra-86	33	6	as	as	SCONJ
gra-86	33	7	pearson	pearson	PROPN
gra-86	33	8	chi	chi	PROPN
gra-86	33	9	-	-	PUNCT
gra-86	33	10	square	square	ADJ
gra-86	33	11	value	value	NOUN
gra-86	33	12	is	be	AUX
gra-86	33	13	0.002	0.002	NUM
gra-86	33	14	which	which	PRON
gra-86	33	15	is	be	AUX
gra-86	33	16	less	less	ADJ
gra-86	33	17	than	than	ADP
gra-86	33	18	0.05	0.05	NUM
gra-86	33	19	,	,	PUNCT
gra-86	33	20	we	we	PRON
gra-86	33	21	reject	reject	VERB
gra-86	33	22	null	null	ADJ
gra-86	33	23	hypothesis	hypothesis	NOUN
gra-86	33	24	.	.	PUNCT
gra-86	34	1	hence	hence	ADV
gra-86	34	2	,	,	PUNCT
gra-86	34	3	there	there	PRON
gra-86	34	4	is	be	VERB
gra-86	34	5	signicant	signicant	ADJ
gra-86	34	6	association	association	NOUN
gra-86	34	7	between	between	ADP
gra-86	34	8	age	age	NOUN
gra-86	34	9	&	&	CCONJ
gra-86	34	10	awareness	awareness	NOUN
gra-86	34	11	towards	towards	ADP
gra-86	34	12	early	early	ADJ
gra-86	34	13	retirement	retirement	NOUN
gra-86	34	14	planning	planning	NOUN
gra-86	34	15	.	.	PUNCT
gra-86	35	1	hypothesis	hypothesis	NOUN
gra-86	35	2	statement	statement	NOUN
gra-86	35	3	h	h	NOUN
gra-86	35	4	:	:	PUNCT
gra-86	35	5	there	there	PRON
gra-86	35	6	is	be	VERB
gra-86	35	7	no	no	DET
gra-86	35	8	signicant	signicant	ADJ
gra-86	35	9	association	association	NOUN
gra-86	35	10	between	between	ADP
gra-86	35	11	x	x	PROPN
gra-86	35	12	&	&	CCONJ
gra-86	35	13	y.o	y.o	PROPN
gra-86	35	14	h	h	NOUN
gra-86	35	15	:	:	PUNCT
gra-86	35	16	there	there	PRON
gra-86	35	17	is	be	VERB
gra-86	35	18	signicant	signicant	ADJ
gra-86	35	19	association	association	NOUN
gra-86	35	20	between	between	ADP
gra-86	35	21	x	x	PROPN
gra-86	35	22	&	&	CCONJ
gra-86	35	23	y.1	y.1	PROPN
gra-86	35	24	findings	findings	PROPN
gra-86	35	25	:	:	PUNCT
gra-86	35	26	ÿ	ÿ	PROPN
gra-86	35	27	the	the	DET
gra-86	35	28	sources	source	NOUN
gra-86	35	29	that	that	SCONJ
gra-86	35	30	most	most	ADJ
gra-86	35	31	inuence	inuence	PROPN
gra-86	35	32	people	people	NOUN
gra-86	35	33	's	's	PART
gra-86	35	34	decision	decision	NOUN
gra-86	35	35	about	about	ADP
gra-86	35	36	retirement	retirement	NOUN
gra-86	35	37	planning	planning	NOUN
gra-86	35	38	are	be	AUX
gra-86	35	39	-	-	PUNCT
gra-86	35	40	family	family	NOUN
gra-86	35	41	,	,	PUNCT
gra-86	35	42	friends	friend	NOUN
gra-86	35	43	,	,	PUNCT
gra-86	35	44	self	self	NOUN
gra-86	35	45	-	-	PUNCT
gra-86	35	46	research	research	NOUN
gra-86	35	47	and	and	CCONJ
gra-86	35	48	work	work	NOUN
gra-86	35	49	.	.	PUNCT
gra-86	36	1	ÿ	ÿ	PRON
gra-86	36	2	out	out	ADP
gra-86	36	3	of	of	ADP
gra-86	36	4	the	the	DET
gra-86	36	5	total	total	ADJ
gra-86	36	6	137	137	NUM
gra-86	36	7	respondents	respondent	NOUN
gra-86	36	8	,	,	PUNCT
gra-86	36	9	according	accord	VERB
gra-86	36	10	to	to	ADP
gra-86	36	11	majority	majority	NOUN
gra-86	36	12	of	of	ADP
gra-86	36	13	the	the	DET
gra-86	36	14	respondents	respondent	NOUN
gra-86	36	15	-i.e.77(i.e	-i.e.77(i.e	NOUN
gra-86	36	16	.	.	PUNCT
gra-86	37	1	56.2	56.2	NUM
gra-86	37	2	%	%	NOUN
gra-86	37	3	)	)	PUNCT
gra-86	37	4	respondents	respondent	NOUN
gra-86	37	5	there	there	PRON
gra-86	37	6	is	be	VERB
gra-86	37	7	no	no	DET
gra-86	37	8	adequate	adequate	ADJ
gra-86	37	9	market	market	NOUN
gra-86	37	10	awareness	awareness	NOUN
gra-86	37	11	on	on	ADP
gra-86	37	12	early	early	ADJ
gra-86	37	13	retirement	retirement	NOUN
gra-86	37	14	planning	planning	NOUN
gra-86	37	15	and	and	CCONJ
gra-86	37	16	as	as	ADP
gra-86	37	17	per	per	ADP
gra-86	37	18	the	the	DET
gra-86	37	19	60	60	NUM
gra-86	37	20	respondents	respondent	NOUN
gra-86	37	21	i.e.	i.e.	X
gra-86	37	22	(	(	PUNCT
gra-86	37	23	43.8	43.8	NUM
gra-86	37	24	%	%	NOUN
gra-86	37	25	)	)	PUNCT
gra-86	37	26	,	,	PUNCT
gra-86	37	27	there	there	PRON
gra-86	37	28	is	be	VERB
gra-86	37	29	an	an	DET
gra-86	37	30	adequate	adequate	ADJ
gra-86	37	31	market	market	NOUN
gra-86	37	32	awareness	awareness	NOUN
gra-86	37	33	on	on	ADP
gra-86	37	34	early	early	ADJ
gra-86	37	35	retirement	retirement	NOUN
gra-86	37	36	planning	planning	NOUN
gra-86	37	37	.	.	PUNCT
gra-86	38	1	ÿ	ÿ	PROPN
gra-86	38	2	out	out	ADP
gra-86	38	3	of	of	ADP
gra-86	38	4	the	the	DET
gra-86	38	5	total	total	ADJ
gra-86	38	6	137	137	NUM
gra-86	38	7	respondents	respondent	NOUN
gra-86	38	8	,	,	PUNCT
gra-86	38	9	majority	majority	NOUN
gra-86	38	10	of	of	ADP
gra-86	38	11	the	the	DET
gra-86	38	12	respondents	respondent	NOUN
gra-86	38	13	i.e.-85	i.e.-85	PROPN
gra-86	38	14	(	(	PUNCT
gra-86	38	15	i.e.	i.e.	X
gra-86	38	16	62	62	NUM
gra-86	38	17	%	%	NOUN
gra-86	38	18	)	)	PUNCT
gra-86	38	19	respondents	respondent	NOUN
gra-86	38	20	do	do	AUX
gra-86	38	21	n't	not	PART
gra-86	38	22	invest	invest	VERB
gra-86	38	23	for	for	ADP
gra-86	38	24	their	their	PRON
gra-86	38	25	retirement	retirement	NOUN
gra-86	38	26	savings	saving	NOUN
gra-86	38	27	and	and	CCONJ
gra-86	38	28	52	52	NUM
gra-86	38	29	(	(	PUNCT
gra-86	38	30	i.e.	i.e.	X
gra-86	38	31	38	38	NUM
gra-86	38	32	%	%	NOUN
gra-86	38	33	)	)	PUNCT
gra-86	38	34	respondents	respondent	NOUN
gra-86	38	35	invest	invest	VERB
gra-86	38	36	for	for	ADP
gra-86	38	37	their	their	PRON
gra-86	38	38	retirement	retirement	NOUN
gra-86	38	39	savings	saving	NOUN
gra-86	38	40	.	.	PUNCT
gra-86	39	1	ÿ	ÿ	PROPN
gra-86	39	2	out	out	ADP
gra-86	39	3	of	of	ADP
gra-86	39	4	the	the	DET
gra-86	39	5	52	52	NUM
gra-86	39	6	respondents	respondent	NOUN
gra-86	39	7	,	,	PUNCT
gra-86	39	8	who	who	PRON
gra-86	39	9	invest	invest	VERB
gra-86	39	10	for	for	ADP
gra-86	39	11	their	their	PRON
gra-86	39	12	retirement	retirement	NOUN
gra-86	39	13	savings	saving	NOUN
gra-86	39	14	,	,	PUNCT
gra-86	39	15	majority	majority	NOUN
gra-86	39	16	of	of	ADP
gra-86	39	17	the	the	DET
gra-86	39	18	respondents	respondent	NOUN
gra-86	39	19	i.e.	i.e.	X
gra-86	39	20	19	19	NUM
gra-86	39	21	respondents	respondent	NOUN
gra-86	39	22	think	think	VERB
gra-86	39	23	that	that	SCONJ
gra-86	39	24	they	they	PRON
gra-86	39	25	have	have	VERB
gra-86	39	26	an	an	DET
gra-86	39	27	adequate	adequate	ADJ
gra-86	39	28	quality	quality	NOUN
gra-86	39	29	of	of	ADP
gra-86	39	30	information	information	NOUN
gra-86	39	31	about	about	ADP
gra-86	39	32	retirement	retirement	NOUN
gra-86	39	33	,	,	PUNCT
gra-86	39	34	18	18	NUM
gra-86	39	35	respondents	respondent	NOUN
gra-86	39	36	think	think	VERB
gra-86	39	37	that	that	SCONJ
gra-86	39	38	they	they	PRON
gra-86	39	39	have	have	VERB
gra-86	39	40	good	good	ADJ
gra-86	39	41	quality	quality	NOUN
gra-86	39	42	of	of	ADP
gra-86	39	43	information	information	NOUN
gra-86	39	44	about	about	ADP
gra-86	39	45	retirement	retirement	NOUN
gra-86	39	46	,	,	PUNCT
gra-86	39	47	10	10	NUM
gra-86	39	48	respondents	respondent	NOUN
gra-86	39	49	think	think	VERB
gra-86	39	50	that	that	SCONJ
gra-86	39	51	they	they	PRON
gra-86	39	52	have	have	VERB
gra-86	39	53	very	very	ADV
gra-86	39	54	good	good	ADJ
gra-86	39	55	quality	quality	NOUN
gra-86	39	56	of	of	ADP
gra-86	39	57	information	information	NOUN
gra-86	39	58	about	about	ADP
gra-86	39	59	retirement	retirement	NOUN
gra-86	39	60	and	and	CCONJ
gra-86	39	61	9	9	NUM
gra-86	39	62	respondents	respondent	NOUN
gra-86	39	63	think	think	VERB
gra-86	39	64	that	that	SCONJ
gra-86	39	65	they	they	PRON
gra-86	39	66	have	have	VERB
gra-86	39	67	poor	poor	ADJ
gra-86	39	68	quality	quality	NOUN
gra-86	39	69	of	of	ADP
gra-86	39	70	information	information	NOUN
gra-86	39	71	about	about	ADP
gra-86	39	72	retirement	retirement	NOUN
gra-86	39	73	.	.	PUNCT
gra-86	40	1	ÿ	ÿ	PROPN
gra-86	40	2	out	out	ADP
gra-86	40	3	of	of	ADP
gra-86	40	4	the	the	DET
gra-86	40	5	52	52	NUM
gra-86	40	6	respondents	respondent	NOUN
gra-86	40	7	,	,	PUNCT
gra-86	40	8	who	who	PRON
gra-86	40	9	invest	invest	VERB
gra-86	40	10	for	for	ADP
gra-86	40	11	their	their	PRON
gra-86	40	12	retirement	retirement	NOUN
gra-86	40	13	savings	saving	NOUN
gra-86	40	14	,	,	PUNCT
gra-86	40	15	majority	majority	NOUN
gra-86	40	16	of	of	ADP
gra-86	40	17	the	the	DET
gra-86	40	18	respondents	respondent	NOUN
gra-86	40	19	i.e.33	i.e.33	PROPN
gra-86	40	20	respondents	respondent	NOUN
gra-86	40	21	have	have	AUX
gra-86	40	22	estimated	estimate	VERB
gra-86	40	23	the	the	DET
gra-86	40	24	savings	saving	NOUN
gra-86	40	25	they	they	PRON
gra-86	40	26	would	would	AUX
gra-86	40	27	need	need	VERB
gra-86	40	28	at	at	ADP
gra-86	40	29	retirement	retirement	NOUN
gra-86	40	30	considering	consider	VERB
gra-86	40	31	their	their	PRON
gra-86	40	32	desired	desire	VERB
gra-86	40	33	retirement	retirement	NOUN
gra-86	40	34	age	age	NOUN
gra-86	40	35	and	and	CCONJ
gra-86	40	36	life	life	NOUN
gra-86	40	37	expectancy	expectancy	NOUN
gra-86	40	38	and	and	CCONJ
gra-86	40	39	19	19	NUM
gra-86	40	40	respondents	respondent	NOUN
gra-86	40	41	have	have	AUX
gra-86	40	42	not	not	PART
gra-86	40	43	estimated	estimate	VERB
gra-86	40	44	the	the	DET
gra-86	40	45	savings	saving	NOUN
gra-86	40	46	they	they	PRON
gra-86	40	47	would	would	AUX
gra-86	40	48	need	need	VERB
gra-86	40	49	at	at	ADP
gra-86	40	50	retirement	retirement	NOUN
gra-86	40	51	considering	consider	VERB
gra-86	40	52	their	their	PRON
gra-86	40	53	desired	desire	VERB
gra-86	40	54	retirement	retirement	NOUN
gra-86	40	55	age	age	NOUN
gra-86	40	56	and	and	CCONJ
gra-86	40	57	life	life	NOUN
gra-86	40	58	expectancy	expectancy	NOUN
gra-86	40	59	.	.	PUNCT
gra-86	41	1	ÿ	ÿ	DET
gra-86	41	2	majority	majority	NOUN
gra-86	41	3	of	of	ADP
gra-86	41	4	the	the	DET
gra-86	41	5	respondents	respondent	NOUN
gra-86	41	6	i.e.	i.e.	X
gra-86	41	7	50	50	NUM
gra-86	41	8	respondents	respondent	NOUN
gra-86	41	9	have	have	AUX
gra-86	41	10	prioritized	prioritize	VERB
gra-86	41	11	the	the	DET
gra-86	41	12	statements“lump	statements“lump	NOUN
gra-86	41	13	sum	sum	NOUN
gra-86	41	14	amount	amount	NOUN
gra-86	41	15	available	available	ADJ
gra-86	41	16	to	to	ADP
gra-86	41	17	the	the	DET
gra-86	41	18	legal	legal	ADJ
gra-86	41	19	heir	heir	NOUN
gra-86	41	20	”	"	PUNCT
gra-86	41	21	and	and	CCONJ
gra-86	41	22	“	"	PUNCT
gra-86	41	23	flexibility	flexibility	NOUN
gra-86	41	24	in	in	ADP
gra-86	41	25	terms	term	NOUN
gra-86	41	26	of	of	ADP
gra-86	41	27	stable	stable	ADJ
gra-86	41	28	source	source	NOUN
gra-86	41	29	of	of	ADP
gra-86	41	30	income	income	NOUN
gra-86	41	31	or	or	CCONJ
gra-86	41	32	support	support	NOUN
gra-86	41	33	to	to	ADP
gra-86	41	34	family	family	NOUN
gra-86	41	35	in	in	ADP
gra-86	41	36	case	case	NOUN
gra-86	41	37	of	of	ADP
gra-86	41	38	death	death	NOUN
gra-86	41	39	”	"	PUNCT
gra-86	41	40	and	and	CCONJ
gra-86	41	41	from	from	ADP
gra-86	41	42	that	that	PRON
gra-86	41	43	too-25	too-25	NOUN
gra-86	41	44	respondents	respondent	NOUN
gra-86	41	45	have	have	VERB
gra-86	41	46	rated“flexibility	rated“flexibility	NOUN
gra-86	41	47	in	in	ADP
gra-86	41	48	terms	term	NOUN
gra-86	41	49	of	of	ADP
gra-86	41	50	stable	stable	ADJ
gra-86	41	51	source	source	NOUN
gra-86	41	52	of	of	ADP
gra-86	41	53	income	income	NOUN
gra-86	41	54	or	or	CCONJ
gra-86	41	55	support	support	NOUN
gra-86	41	56	to	to	ADP
gra-86	41	57	family	family	NOUN
gra-86	41	58	in	in	ADP
gra-86	41	59	case	case	NOUN
gra-86	41	60	of	of	ADP
gra-86	41	61	death	death	NOUN
gra-86	41	62	”	"	PUNCT
gra-86	41	63	as	as	ADP
gra-86	41	64	most	most	ADV
gra-86	41	65	important	important	ADJ
gra-86	41	66	in	in	ADP
gra-86	41	67	terms	term	NOUN
gra-86	41	68	of	of	ADP
gra-86	41	69	planning	plan	VERB
gra-86	41	70	for	for	ADP
gra-86	41	71	retirement	retirement	NOUN
gra-86	41	72	.	.	PUNCT
gra-86	42	1	ÿ	ÿ	DET
gra-86	42	2	majority	majority	NOUN
gra-86	42	3	of	of	ADP
gra-86	42	4	the	the	DET
gra-86	42	5	respondents	respondent	NOUN
gra-86	42	6	i.e.	i.e.	X
gra-86	42	7	48	48	NUM
gra-86	42	8	respondents	respondent	NOUN
gra-86	42	9	have	have	AUX
gra-86	42	10	chosen	choose	VERB
gra-86	42	11	public	public	ADJ
gra-86	42	12	provident	provident	ADJ
gra-86	42	13	fund	fund	NOUN
gra-86	42	14	(	(	PUNCT
gra-86	42	15	ppf	ppf	PROPN
gra-86	42	16	)	)	PUNCT
gra-86	42	17	as	as	SCONJ
gra-86	42	18	their	their	PRON
gra-86	42	19	preference	preference	NOUN
gra-86	42	20	for	for	ADP
gra-86	42	21	investment	investment	NOUN
gra-86	42	22	for	for	ADP
gra-86	42	23	retirement	retirement	NOUN
gra-86	42	24	planning	planning	NOUN
gra-86	42	25	and	and	CCONJ
gra-86	42	26	amongst	amongst	ADP
gra-86	42	27	all	all	DET
gra-86	42	28	the	the	DET
gra-86	42	29	retirement	retirement	NOUN
gra-86	42	30	planning	planning	NOUN
gra-86	42	31	that	that	PRON
gra-86	42	32	have	have	AUX
gra-86	42	33	been	be	AUX
gra-86	42	34	considered	consider	VERB
gra-86	42	35	for	for	ADP
gra-86	42	36	analysismajority	analysismajority	NOUN
gra-86	42	37	of	of	ADP
gra-86	42	38	the	the	DET
gra-86	42	39	respondents	respondent	NOUN
gra-86	42	40	have	have	AUX
gra-86	42	41	ranked	rank	VERB
gra-86	42	42	ppf	ppf	PROPN
gra-86	42	43	as	as	ADP
gra-86	42	44	sttheir	sttheir	PROPN
gra-86	42	45	1	1	NUM
gra-86	42	46	preference	preference	NOUN
gra-86	42	47	for	for	ADP
gra-86	42	48	investment	investment	NOUN
gra-86	42	49	for	for	ADP
gra-86	42	50	retirement	retirement	NOUN
gra-86	42	51	.	.	PUNCT
gra-86	43	1	volume-8	volume-8	NUM
gra-86	43	2	,	,	PUNCT
gra-86	43	3	issue-9	issue-9	NUM
gra-86	43	4	,	,	PUNCT
gra-86	43	5	september-2019	september-2019	ADJ
gra-86	43	6	•	•	NUM
gra-86	43	7	print	print	NOUN
gra-86	43	8	issn	issn	PROPN
gra-86	43	9	no	no	NOUN
gra-86	43	10	.	.	PROPN
gra-86	44	1	2277	2277	NUM
gra-86	44	2	8160	8160	NUM
gra-86	44	3	•	•	NOUN
gra-86	44	4	doi	doi	NOUN
gra-86	44	5	:	:	PUNCT
gra-86	44	6	10.36106	10.36106	NUM
gra-86	44	7	/	/	SYM
gra-86	44	8	gjra	gjra	NOUN
gra-86	44	9	annuities	annuity	NOUN
gra-86	44	10	6	6	NUM
gra-86	44	11	8	8	NUM
gra-86	44	12	8	8	NUM
gra-86	44	13	5	5	NUM
gra-86	44	14	1	1	NUM
gra-86	44	15	2	2	NUM
gra-86	44	16	1	1	NUM
gra-86	44	17	1	1	NUM
gra-86	44	18	1	1	NUM
gra-86	44	19	1	1	NUM
gra-86	44	20	34	34	NUM
gra-86	44	21	bank	bank	NOUN
gra-86	44	22	fd	fd	VERB
gra-86	44	23	19	19	NUM
gra-86	44	24	12	12	NUM
gra-86	44	25	7	7	NUM
gra-86	44	26	1	1	NUM
gra-86	44	27	3	3	NUM
gra-86	44	28	1	1	NUM
gra-86	44	29	1	1	NUM
gra-86	44	30	2	2	NUM
gra-86	44	31	46	46	NUM
gra-86	44	32	gold	gold	NOUN
gra-86	44	33	10	10	NUM
gra-86	44	34	13	13	NUM
gra-86	44	35	9	9	NUM
gra-86	44	36	5	5	NUM
gra-86	44	37	1	1	NUM
gra-86	44	38	1	1	NUM
gra-86	44	39	1	1	NUM
gra-86	44	40	1	1	NUM
gra-86	44	41	1	1	NUM
gra-86	44	42	42	42	NUM
gra-86	44	43	real	real	ADJ
gra-86	44	44	estate	estate	NOUN
gra-86	44	45	9	9	NUM
gra-86	44	46	7	7	NUM
gra-86	44	47	7	7	NUM
gra-86	44	48	9	9	NUM
gra-86	44	49	4	4	NUM
gra-86	44	50	2	2	NUM
gra-86	44	51	1	1	NUM
gra-86	44	52	1	1	NUM
gra-86	44	53	1	1	NUM
gra-86	44	54	1	1	NUM
gra-86	44	55	1	1	NUM
gra-86	44	56	43	43	NUM
gra-86	44	57	national	national	ADJ
gra-86	44	58	pension	pension	NOUN
gra-86	44	59	schemes	scheme	NOUN
gra-86	44	60	8	8	NUM
gra-86	44	61	8	8	NUM
gra-86	44	62	10	10	NUM
gra-86	44	63	3	3	NUM
gra-86	44	64	2	2	NUM
gra-86	44	65	4	4	NUM
gra-86	44	66	1	1	NUM
gra-86	44	67	1	1	NUM
gra-86	44	68	1	1	NUM
gra-86	44	69	1	1	NUM
gra-86	44	70	39	39	NUM
gra-86	44	71	order	order	NOUN
gra-86	44	72	of	of	ADP
gra-86	44	73	preferences	preference	NOUN
gra-86	44	74	1	1	NUM
gra-86	44	75	2	2	NUM
gra-86	44	76	3	3	NUM
gra-86	44	77	4	4	NUM
gra-86	44	78	5	5	NUM
gra-86	44	79	6	6	NUM
gra-86	44	80	7	7	NUM
gra-86	44	81	8	8	NUM
gra-86	44	82	9	9	NUM
gra-86	44	83	10	10	NUM
gra-86	44	84	11	11	NUM
gra-86	44	85	12	12	NUM
gra-86	44	86	13	13	NUM
gra-86	44	87	14	14	NUM
gra-86	44	88	15	15	NUM
gra-86	44	89	total	total	ADJ
gra-86	44	90	sovereign	sovereign	ADJ
gra-86	44	91	gold	gold	NOUN
gra-86	44	92	bonds	bond	NOUN
gra-86	44	93	4	4	NUM
gra-86	44	94	13	13	NUM
gra-86	44	95	7	7	NUM
gra-86	44	96	3	3	NUM
gra-86	44	97	2	2	NUM
gra-86	44	98	1	1	NUM
gra-86	44	99	3	3	NUM
gra-86	44	100	1	1	NUM
gra-86	44	101	1	1	NUM
gra-86	44	102	1	1	NUM
gra-86	44	103	36	36	NUM
gra-86	44	104	life	life	NOUN
gra-86	44	105	insurance	insurance	NOUN
gra-86	44	106	(	(	PUNCT
gra-86	44	107	endowment	endowment	NOUN
gra-86	44	108	plans	plan	NOUN
gra-86	44	109	)	)	PUNCT
gra-86	44	110	12	12	NUM
gra-86	44	111	12	12	NUM
gra-86	44	112	8	8	NUM
gra-86	44	113	3	3	NUM
gra-86	44	114	4	4	NUM
gra-86	44	115	2	2	NUM
gra-86	44	116	1	1	NUM
gra-86	44	117	1	1	NUM
gra-86	44	118	1	1	NUM
gra-86	44	119	1	1	NUM
gra-86	44	120	45	45	NUM
gra-86	44	121	term	term	NOUN
gra-86	44	122	plan	plan	NOUN
gra-86	44	123	insurance	insurance	NOUN
gra-86	44	124	8	8	NUM
gra-86	44	125	14	14	NUM
gra-86	44	126	5	5	NUM
gra-86	44	127	5	5	NUM
gra-86	44	128	4	4	NUM
gra-86	44	129	1	1	NUM
gra-86	44	130	1	1	NUM
gra-86	44	131	1	1	NUM
gra-86	44	132	1	1	NUM
gra-86	44	133	1	1	NUM
gra-86	44	134	41	41	NUM
gra-86	44	135	employee	employee	NOUN
gra-86	44	136	provident	provident	ADJ
gra-86	44	137	fund	fund	NOUN
gra-86	44	138	10	10	NUM
gra-86	44	139	8	8	NUM
gra-86	44	140	7	7	NUM
gra-86	44	141	5	5	NUM
gra-86	44	142	3	3	NUM
gra-86	44	143	2	2	NUM
gra-86	44	144	1	1	NUM
gra-86	44	145	1	1	NUM
gra-86	44	146	2	2	NUM
gra-86	44	147	39	39	NUM
gra-86	44	148	national	national	ADJ
gra-86	44	149	savings	saving	NOUN
gra-86	44	150	certificates	certificate	NOUN
gra-86	44	151	11	11	NUM
gra-86	44	152	7	7	NUM
gra-86	44	153	8	8	NUM
gra-86	44	154	4	4	NUM
gra-86	44	155	1	1	NUM
gra-86	44	156	1	1	NUM
gra-86	44	157	1	1	NUM
gra-86	44	158	1	1	NUM
gra-86	44	159	1	1	NUM
gra-86	44	160	1	1	NUM
gra-86	44	161	1	1	NUM
gra-86	44	162	1	1	NUM
gra-86	44	163	38	38	NUM
gra-86	44	164	shares	share	NOUN
gra-86	44	165	7	7	NUM
gra-86	44	166	5	5	NUM
gra-86	44	167	10	10	NUM
gra-86	44	168	6	6	NUM
gra-86	44	169	2	2	NUM
gra-86	44	170	3	3	NUM
gra-86	44	171	1	1	NUM
gra-86	44	172	4	4	NUM
gra-86	44	173	1	1	NUM
gra-86	44	174	1	1	NUM
gra-86	44	175	1	1	NUM
gra-86	44	176	2	2	NUM
gra-86	44	177	43	43	NUM
gra-86	44	178	gratuity	gratuity	NOUN
gra-86	44	179	7	7	NUM
gra-86	44	180	9	9	NUM
gra-86	44	181	8	8	NUM
gra-86	44	182	5	5	NUM
gra-86	44	183	2	2	NUM
gra-86	44	184	1	1	NUM
gra-86	44	185	2	2	NUM
gra-86	44	186	1	1	NUM
gra-86	44	187	1	1	NUM
gra-86	44	188	36	36	NUM
gra-86	44	189	mutual	mutual	ADJ
gra-86	44	190	funds	fund	NOUN
gra-86	44	191	11	11	NUM
gra-86	44	192	7	7	NUM
gra-86	44	193	10	10	NUM
gra-86	44	194	6	6	NUM
gra-86	44	195	3	3	NUM
gra-86	44	196	2	2	NUM
gra-86	44	197	2	2	NUM
gra-86	44	198	1	1	NUM
gra-86	44	199	2	2	NUM
gra-86	44	200	44	44	NUM
gra-86	44	201	particulars	particular	NOUN
gra-86	44	202	value	value	VERB
gra-86	44	203	df	df	PROPN
gra-86	44	204	asymp	asymp	PROPN
gra-86	44	205	.	.	PUNCT
gra-86	45	1	sig	sig	PROPN
gra-86	45	2	.	.	PUNCT
gra-86	46	1	(	(	PUNCT
gra-86	46	2	2sided	2sided	NUM
gra-86	46	3	)	)	PUNCT
gra-86	46	4	exact	exact	ADJ
gra-86	46	5	sig	sig	NOUN
gra-86	46	6	.	.	PUNCT
gra-86	47	1	(	(	PUNCT
gra-86	47	2	2sided	2sided	NUM
gra-86	47	3	)	)	PUNCT
gra-86	47	4	exact	exact	ADJ
gra-86	47	5	sig	sig	NOUN
gra-86	47	6	.	.	PUNCT
gra-86	48	1	(	(	PUNCT
gra-86	48	2	1sided	1sided	NUM
gra-86	48	3	)	)	PUNCT
gra-86	48	4	pearson	pearson	PROPN
gra-86	48	5	chi	chi	PROPN
gra-86	48	6	-	-	PUNCT
gra-86	48	7	square	square	ADJ
gra-86	48	8	9.238a	9.238a	NUM
gra-86	48	9	1	1	NUM
gra-86	48	10	.002	.002	NUM
gra-86	48	11	continuity	continuity	NOUN
gra-86	48	12	bcorrection	bcorrection	NOUN
gra-86	48	13	8.178	8.178	NUM
gra-86	48	14	1	1	NUM
gra-86	48	15	.004	.004	NUM
gra-86	48	16	likelihood	likelihood	NOUN
gra-86	48	17	ratio	ratio	NOUN
gra-86	48	18	9.527	9.527	NUM
gra-86	48	19	1	1	NUM
gra-86	48	20	.002	.002	NUM
gra-86	48	21	fisher	fisher	PROPN
gra-86	48	22	's	's	PART
gra-86	48	23	exact	exact	ADJ
gra-86	48	24	test	test	NOUN
gra-86	48	25	.004	.004	NUM
gra-86	48	26	.002	.002	NUM
gra-86	48	27	linear	linear	NOUN
gra-86	48	28	-	-	PUNCT
gra-86	48	29	by	by	ADP
gra-86	48	30	-	-	PUNCT
gra-86	48	31	linear	linear	NOUN
gra-86	48	32	association	association	NOUN
gra-86	48	33	9.170	9.170	NUM
gra-86	48	34	1	1	NUM
gra-86	48	35	.002	.002	NUM
gra-86	48	36	n	n	PROPN
gra-86	48	37	of	of	ADP
gra-86	48	38	valid	valid	ADJ
gra-86	48	39	cases	case	NOUN
gra-86	48	40	137	137	NUM
gra-86	48	41	demographic	demographic	ADJ
gra-86	48	42	variables(x	variables(x	NOUN
gra-86	48	43	)	)	PUNCT
gra-86	48	44	investment	investment	NOUN
gra-86	48	45	-	-	PUNCT
gra-86	48	46	retirement	retirement	NOUN
gra-86	48	47	savings(y	savings(y	NOUN
gra-86	48	48	)	)	PUNCT
gra-86	48	49	age	age	NOUN
gra-86	48	50	investment	investment	NOUN
gra-86	48	51	for	for	ADP
gra-86	48	52	retirement	retirement	NOUN
gra-86	48	53	savings	saving	NOUN
gra-86	48	54	gender	gender	NOUN
gra-86	48	55	investment	investment	NOUN
gra-86	48	56	for	for	ADP
gra-86	48	57	retirement	retirement	NOUN
gra-86	48	58	savings	saving	NOUN
gra-86	48	59	marital	marital	ADJ
gra-86	48	60	status	status	NOUN
gra-86	48	61	investment	investment	NOUN
gra-86	48	62	for	for	ADP
gra-86	48	63	retirement	retirement	NOUN
gra-86	48	64	savings	saving	NOUN
gra-86	48	65	education	education	NOUN
gra-86	48	66	level	level	NOUN
gra-86	48	67	investment	investment	NOUN
gra-86	48	68	for	for	ADP
gra-86	48	69	retirement	retirement	NOUN
gra-86	48	70	savings	saving	NOUN
gra-86	48	71	income	income	NOUN
gra-86	48	72	level	level	NOUN
gra-86	48	73	investment	investment	NOUN
gra-86	48	74	for	for	ADP
gra-86	48	75	retirement	retirement	NOUN
gra-86	48	76	savings	saving	NOUN
gra-86	48	77	occupation	occupation	NOUN
gra-86	48	78	investment	investment	NOUN
gra-86	48	79	for	for	ADP
gra-86	48	80	retirement	retirement	NOUN
gra-86	48	81	savings	saving	NOUN
gra-86	48	82	particulars	particular	NOUN
gra-86	48	83	signifi	signifi	PROPN
gra-86	48	84	cance	cance	PROPN
gra-86	48	85	accept/	accept/	NUM
gra-86	48	86	reject	reject	NOUN
gra-86	48	87	h0	h0	PROPN
gra-86	48	88	age	age	NOUN
gra-86	48	89	&	&	CCONJ
gra-86	48	90	do	do	AUX
gra-86	48	91	you	you	PRON
gra-86	48	92	invest	invest	VERB
gra-86	48	93	0.883	0.883	NUM
gra-86	48	94	accept	accept	VERB
gra-86	48	95	h0	h0	NOUN
gra-86	48	96	gender	gender	NOUN
gra-86	48	97	&	&	CCONJ
gra-86	48	98	do	do	AUX
gra-86	48	99	you	you	PRON
gra-86	48	100	invest	invest	VERB
gra-86	48	101	0.008	0.008	NUM
gra-86	48	102	reject	reject	NOUN
gra-86	48	103	h0	h0	PROPN
gra-86	48	104	marital	marital	ADJ
gra-86	48	105	status	status	NOUN
gra-86	48	106	&	&	CCONJ
gra-86	48	107	do	do	AUX
gra-86	48	108	you	you	PRON
gra-86	48	109	invest	invest	VERB
gra-86	48	110	0.062	0.062	NUM
gra-86	48	111	accept	accept	VERB
gra-86	48	112	h0	h0	ADJ
gra-86	48	113	education	education	NOUN
gra-86	48	114	level	level	NOUN
gra-86	48	115	&	&	CCONJ
gra-86	48	116	do	do	AUX
gra-86	48	117	you	you	PRON
gra-86	48	118	invest	invest	VERB
gra-86	48	119	0.435	0.435	NUM
gra-86	48	120	accept	accept	VERB
gra-86	48	121	h0	h0	PROPN
gra-86	48	122	income	income	NOUN
gra-86	48	123	level	level	NOUN
gra-86	48	124	&	&	CCONJ
gra-86	48	125	do	do	AUX
gra-86	48	126	you	you	PRON
gra-86	48	127	invest	invest	VERB
gra-86	48	128	0.290	0.290	NUM
gra-86	48	129	accept	accept	VERB
gra-86	48	130	h0	h0	NOUN
gra-86	48	131	occupation	occupation	NOUN
gra-86	48	132	&	&	CCONJ
gra-86	48	133	do	do	AUX
gra-86	48	134	you	you	PRON
gra-86	48	135	invest	invest	VERB
gra-86	48	136	0.011	0.011	NUM
gra-86	48	137	reject	reject	NOUN
gra-86	48	138	h0	h0	PROPN
gra-86	48	139	x	x	PROPN
gra-86	48	140	135gjra	135gjra	PROPN
gra-86	48	141	global	global	ADJ
gra-86	48	142	journal	journal	NOUN
gra-86	48	143	for	for	ADP
gra-86	48	144	research	research	NOUN
gra-86	48	145	analysis	analysis	NOUN
gra-86	48	146	ÿ	ÿ	PROPN
gra-86	48	147	46	46	NUM
gra-86	48	148	respondents	respondent	NOUN
gra-86	48	149	have	have	AUX
gra-86	48	150	provided	provide	VERB
gra-86	48	151	their	their	PRON
gra-86	48	152	preferences	preference	NOUN
gra-86	48	153	for	for	ADP
gra-86	48	154	investment	investment	NOUN
gra-86	48	155	in	in	ADP
gra-86	48	156	bank	bank	NOUN
gra-86	48	157	fixed	fix	VERB
gra-86	48	158	deposits	deposit	NOUN
gra-86	48	159	(	(	PUNCT
gra-86	48	160	fd	fd	X
gra-86	48	161	's	's	PART
gra-86	48	162	)	)	PUNCT
gra-86	48	163	for	for	ADP
gra-86	48	164	retirement	retirement	NOUN
gra-86	48	165	stplanning	stplanning	NOUN
gra-86	48	166	and	and	CCONJ
gra-86	48	167	19	19	NUM
gra-86	48	168	respondents	respondent	NOUN
gra-86	48	169	have	have	AUX
gra-86	48	170	ranked	rank	VERB
gra-86	48	171	it	it	PRON
gra-86	48	172	as	as	ADP
gra-86	48	173	their	their	PRON
gra-86	48	174	1	1	NUM
gra-86	48	175	preference	preference	NOUN
gra-86	48	176	for	for	ADP
gra-86	48	177	investment	investment	NOUN
gra-86	48	178	for	for	ADP
gra-86	48	179	retirement	retirement	NOUN
gra-86	48	180	planning	planning	NOUN
gra-86	48	181	.	.	PUNCT
gra-86	49	1	ÿ	ÿ	PROPN
gra-86	49	2	45	45	NUM
gra-86	49	3	respondents	respondent	NOUN
gra-86	49	4	have	have	AUX
gra-86	49	5	provided	provide	VERB
gra-86	49	6	their	their	PRON
gra-86	49	7	preferences	preference	NOUN
gra-86	49	8	for	for	ADP
gra-86	49	9	life	life	NOUN
gra-86	49	10	insurance	insurance	NOUN
gra-86	49	11	(	(	PUNCT
gra-86	49	12	endowment	endowment	NOUN
gra-86	49	13	plans	plan	NOUN
gra-86	49	14	)	)	PUNCT
gra-86	49	15	as	as	ADP
gra-86	49	16	an	an	DET
gra-86	49	17	avenue	avenue	NOUN
gra-86	49	18	to	to	PART
gra-86	49	19	investment	investment	VERB
gra-86	49	20	in	in	ADP
gra-86	49	21	for	for	ADP
gra-86	49	22	retirement	retirement	NOUN
gra-86	49	23	planning	planning	NOUN
gra-86	49	24	and	and	CCONJ
gra-86	49	25	12	12	NUM
gra-86	49	26	respondents	respondent	NOUN
gra-86	49	27	have	have	AUX
gra-86	49	28	stranked	stranke	VERB
gra-86	49	29	it	it	PRON
gra-86	49	30	as	as	ADP
gra-86	49	31	their	their	PRON
gra-86	49	32	1	1	NUM
gra-86	49	33	preference	preference	NOUN
gra-86	49	34	for	for	ADP
gra-86	49	35	investment	investment	NOUN
gra-86	49	36	for	for	ADP
gra-86	49	37	retirement	retirement	NOUN
gra-86	49	38	planning	planning	NOUN
gra-86	49	39	.	.	PUNCT
gra-86	50	1	ÿ	ÿ	PRON
gra-86	50	2	44	44	NUM
gra-86	50	3	respondents	respondent	NOUN
gra-86	50	4	have	have	AUX
gra-86	50	5	provided	provide	VERB
gra-86	50	6	their	their	PRON
gra-86	50	7	preferences	preference	NOUN
gra-86	50	8	for	for	ADP
gra-86	50	9	mutual	mutual	ADJ
gra-86	50	10	funds	fund	NOUN
gra-86	50	11	as	as	ADP
gra-86	50	12	an	an	DET
gra-86	50	13	avenue	avenue	NOUN
gra-86	50	14	to	to	PART
gra-86	50	15	investment	investment	VERB
gra-86	50	16	in	in	ADP
gra-86	50	17	for	for	ADP
gra-86	50	18	retirement	retirement	NOUN
gra-86	50	19	stplanning	stplanning	NOUN
gra-86	50	20	and	and	CCONJ
gra-86	50	21	11	11	NUM
gra-86	50	22	respondents	respondent	NOUN
gra-86	50	23	have	have	AUX
gra-86	50	24	ranked	rank	VERB
gra-86	50	25	it	it	PRON
gra-86	50	26	as	as	ADP
gra-86	50	27	their	their	PRON
gra-86	50	28	1	1	NUM
gra-86	50	29	preference	preference	NOUN
gra-86	50	30	for	for	ADP
gra-86	50	31	investment	investment	NOUN
gra-86	50	32	for	for	ADP
gra-86	50	33	retirement	retirement	NOUN
gra-86	50	34	planning	planning	NOUN
gra-86	50	35	.	.	PUNCT
gra-86	51	1	ÿ	ÿ	PRON
gra-86	51	2	43	43	NUM
gra-86	51	3	respondents	respondent	NOUN
gra-86	51	4	have	have	AUX
gra-86	51	5	provided	provide	VERB
gra-86	51	6	their	their	PRON
gra-86	51	7	preferences	preference	NOUN
gra-86	51	8	for	for	ADP
gra-86	51	9	real	real	ADJ
gra-86	51	10	estate	estate	NOUN
gra-86	51	11	and	and	CCONJ
gra-86	51	12	shares	share	NOUN
gra-86	51	13	as	as	ADP
gra-86	51	14	the	the	DET
gra-86	51	15	avenues	avenue	NOUN
gra-86	51	16	to	to	PART
gra-86	51	17	invest	invest	VERB
gra-86	51	18	in	in	ADP
gra-86	51	19	for	for	ADP
gra-86	51	20	the	the	DET
gra-86	51	21	purpose	purpose	NOUN
gra-86	51	22	of	of	ADP
gra-86	51	23	retirement	retirement	NOUN
gra-86	51	24	planning	planning	NOUN
gra-86	51	25	and	and	CCONJ
gra-86	51	26	9	9	NUM
gra-86	51	27	respondents	respondent	NOUN
gra-86	51	28	have	have	AUX
gra-86	51	29	stranked	stranke	VERB
gra-86	51	30	real	real	ADJ
gra-86	51	31	estate	estate	NOUN
gra-86	51	32	as	as	SCONJ
gra-86	51	33	their	their	PRON
gra-86	51	34	1	1	NUM
gra-86	51	35	preference	preference	NOUN
gra-86	51	36	and	and	CCONJ
gra-86	51	37	7	7	NUM
gra-86	51	38	strespondents	strespondent	NOUN
gra-86	51	39	have	have	AUX
gra-86	51	40	ranked	rank	VERB
gra-86	51	41	shares	share	NOUN
gra-86	51	42	as	as	ADP
gra-86	51	43	their	their	PRON
gra-86	51	44	1	1	NUM
gra-86	51	45	preference	preference	NOUN
gra-86	51	46	to	to	PART
gra-86	51	47	invest	invest	VERB
gra-86	51	48	in	in	ADP
gra-86	51	49	for	for	ADP
gra-86	51	50	the	the	DET
gra-86	51	51	purpose	purpose	NOUN
gra-86	51	52	of	of	ADP
gra-86	51	53	retirement	retirement	NOUN
gra-86	51	54	planning	planning	NOUN
gra-86	51	55	.	.	PUNCT
gra-86	52	1	ÿ	ÿ	PRON
gra-86	52	2	42	42	NUM
gra-86	52	3	respondents	respondent	NOUN
gra-86	52	4	have	have	AUX
gra-86	52	5	provided	provide	VERB
gra-86	52	6	their	their	PRON
gra-86	52	7	preferences	preference	NOUN
gra-86	52	8	for	for	ADP
gra-86	52	9	gold	gold	NOUN
gra-86	52	10	and	and	CCONJ
gra-86	52	11	post	post	VERB
gra-86	52	12	ofce	ofce	ADJ
gra-86	52	13	monthly	monthly	ADJ
gra-86	52	14	schemes	scheme	NOUN
gra-86	52	15	as	as	SCONJ
gra-86	52	16	the	the	DET
gra-86	52	17	avenues	avenue	NOUN
gra-86	52	18	to	to	PART
gra-86	52	19	invest	invest	VERB
gra-86	52	20	in	in	ADP
gra-86	52	21	for	for	ADP
gra-86	52	22	the	the	DET
gra-86	52	23	purpose	purpose	NOUN
gra-86	52	24	of	of	ADP
gra-86	52	25	retirement	retirement	NOUN
gra-86	52	26	planning	planning	NOUN
gra-86	52	27	and	and	CCONJ
gra-86	52	28	10	10	NUM
gra-86	52	29	strespondents	strespondent	NOUN
gra-86	52	30	have	have	AUX
gra-86	52	31	ranked	rank	VERB
gra-86	52	32	gold	gold	NOUN
gra-86	52	33	as	as	SCONJ
gra-86	52	34	their	their	PRON
gra-86	52	35	1	1	NUM
gra-86	52	36	preference	preference	NOUN
gra-86	52	37	and	and	CCONJ
gra-86	52	38	6	6	NUM
gra-86	52	39	respondents	respondent	NOUN
gra-86	52	40	have	have	AUX
gra-86	52	41	ranked	rank	VERB
gra-86	52	42	post	post	NOUN
gra-86	52	43	ofce	ofce	NOUN
gra-86	52	44	monthly	monthly	ADJ
gra-86	52	45	schemes	scheme	NOUN
gra-86	52	46	stas	sta	VERB
gra-86	52	47	their	their	PRON
gra-86	52	48	1	1	NUM
gra-86	52	49	preference	preference	NOUN
gra-86	52	50	to	to	PART
gra-86	52	51	invest	invest	VERB
gra-86	52	52	in	in	ADP
gra-86	52	53	for	for	ADP
gra-86	52	54	the	the	DET
gra-86	52	55	purpose	purpose	NOUN
gra-86	52	56	of	of	ADP
gra-86	52	57	retirement	retirement	NOUN
gra-86	52	58	planning	planning	NOUN
gra-86	52	59	.	.	PUNCT
gra-86	53	1	ÿ	ÿ	PROPN
gra-86	53	2	33	33	NUM
gra-86	53	3	respondents	respondent	NOUN
gra-86	53	4	have	have	AUX
gra-86	53	5	ranked	rank	VERB
gra-86	53	6	their	their	PRON
gra-86	53	7	satisfaction	satisfaction	NOUN
gra-86	53	8	for	for	ADP
gra-86	53	9	the	the	DET
gra-86	53	10	bank	bank	NOUN
gra-86	53	11	fixed	fix	VERB
gra-86	53	12	deposits	deposit	NOUN
gra-86	53	13	and	and	CCONJ
gra-86	53	14	12	12	NUM
gra-86	53	15	respondents	respondent	NOUN
gra-86	53	16	each	each	PRON
gra-86	53	17	are	be	AUX
gra-86	53	18	highly	highly	ADV
gra-86	53	19	satised	satised	PROPN
gra-86	53	20	and	and	CCONJ
gra-86	53	21	satised	satised	PROPN
gra-86	53	22	,	,	PUNCT
gra-86	53	23	6	6	NUM
gra-86	53	24	respondents	respondent	NOUN
gra-86	53	25	are	be	AUX
gra-86	53	26	neutral	neutral	ADJ
gra-86	53	27	,	,	PUNCT
gra-86	53	28	2	2	NUM
gra-86	53	29	respondents	respondent	NOUN
gra-86	53	30	are	be	AUX
gra-86	53	31	dissatised	dissatised	PROPN
gra-86	53	32	and	and	CCONJ
gra-86	53	33	1	1	NUM
gra-86	53	34	respondent	respondent	NOUN
gra-86	53	35	is	be	AUX
gra-86	53	36	highly	highly	ADV
gra-86	53	37	dissatised	dissatised	PROPN
gra-86	53	38	with	with	ADP
gra-86	53	39	the	the	DET
gra-86	53	40	rate	rate	NOUN
gra-86	53	41	of	of	ADP
gra-86	53	42	interest	interest	NOUN
gra-86	53	43	provided	provide	VERB
gra-86	53	44	by	by	ADP
gra-86	53	45	the	the	DET
gra-86	53	46	fd	fd	PROPN
gra-86	53	47	's	's	PART
gra-86	53	48	.	.	PUNCT
gra-86	54	1	ÿ	ÿ	PROPN
gra-86	54	2	31	31	NUM
gra-86	54	3	respondents	respondent	NOUN
gra-86	54	4	have	have	AUX
gra-86	54	5	ranked	rank	VERB
gra-86	54	6	their	their	PRON
gra-86	54	7	satisfaction	satisfaction	NOUN
gra-86	54	8	from	from	ADP
gra-86	54	9	investment	investment	NOUN
gra-86	54	10	in	in	ADP
gra-86	54	11	mutual	mutual	ADJ
gra-86	54	12	funds	fund	NOUN
gra-86	54	13	:	:	PUNCT
gra-86	54	14	ÿ	ÿ	PROPN
gra-86	54	15	7	7	NUM
gra-86	54	16	respondents	respondent	NOUN
gra-86	54	17	are	be	AUX
gra-86	54	18	highly	highly	ADV
gra-86	54	19	satised	satised	PROPN
gra-86	54	20	,	,	PUNCT
gra-86	54	21	11	11	NUM
gra-86	54	22	respondents	respondent	NOUN
gra-86	54	23	are	be	AUX
gra-86	54	24	satised	satised	PROPN
gra-86	54	25	,	,	PUNCT
gra-86	54	26	10	10	NUM
gra-86	54	27	respondents	respondent	NOUN
gra-86	54	28	are	be	AUX
gra-86	54	29	neutral	neutral	ADJ
gra-86	54	30	,	,	PUNCT
gra-86	54	31	3	3	NUM
gra-86	54	32	respondents	respondent	NOUN
gra-86	54	33	are	be	AUX
gra-86	54	34	dissatised	dissatised	PROPN
gra-86	54	35	with	with	ADP
gra-86	54	36	the	the	DET
gra-86	54	37	factor“higher	factor“higher	ADJ
gra-86	54	38	rate	rate	NOUN
gra-86	54	39	of	of	ADP
gra-86	54	40	returns	return	NOUN
gra-86	54	41	than	than	ADP
gra-86	54	42	other	other	ADJ
gra-86	54	43	avenues	avenue	NOUN
gra-86	54	44	”	"	PUNCT
gra-86	54	45	for	for	ADP
gra-86	54	46	mutual	mutual	ADJ
gra-86	54	47	funds	fund	NOUN
gra-86	54	48	.	.	PUNCT
gra-86	55	1	ÿ	ÿ	PRON
gra-86	55	2	8	8	NUM
gra-86	55	3	respondents	respondent	NOUN
gra-86	55	4	are	be	AUX
gra-86	55	5	highly	highly	ADV
gra-86	55	6	satised	satised	PROPN
gra-86	55	7	,	,	PUNCT
gra-86	55	8	12	12	NUM
gra-86	55	9	respondents	respondent	NOUN
gra-86	55	10	are	be	AUX
gra-86	55	11	satised	satised	PROPN
gra-86	55	12	,	,	PUNCT
gra-86	55	13	9	9	NUM
gra-86	55	14	respondents	respondent	NOUN
gra-86	55	15	are	be	AUX
gra-86	55	16	neutral	neutral	ADJ
gra-86	55	17	,	,	PUNCT
gra-86	55	18	1	1	NUM
gra-86	55	19	respondent	respondent	NOUN
gra-86	55	20	is	be	AUX
gra-86	55	21	dissatised	dissatised	PROPN
gra-86	55	22	and	and	CCONJ
gra-86	55	23	1	1	NUM
gra-86	55	24	respondent	respondent	NOUN
gra-86	55	25	is	be	AUX
gra-86	55	26	highly	highly	ADV
gra-86	55	27	dissatised	dissatised	PROPN
gra-86	55	28	with	with	ADP
gra-86	55	29	the	the	DET
gra-86	55	30	factor“more	factor“more	PROPN
gra-86	55	31	tax	tax	NOUN
gra-86	55	32	benets	benets	PROPN
gra-86	55	33	”	"	PUNCT
gra-86	55	34	of	of	ADP
gra-86	55	35	investment	investment	NOUN
gra-86	55	36	in	in	ADP
gra-86	55	37	mutual	mutual	ADJ
gra-86	55	38	funds	fund	NOUN
gra-86	55	39	.	.	PUNCT
gra-86	56	1	ÿ	ÿ	PRON
gra-86	56	2	29	29	NUM
gra-86	56	3	respondents	respondent	NOUN
gra-86	56	4	have	have	AUX
gra-86	56	5	ranked	rank	VERB
gra-86	56	6	their	their	PRON
gra-86	56	7	satisfaction	satisfaction	NOUN
gra-86	56	8	from	from	ADP
gra-86	56	9	investment	investment	NOUN
gra-86	56	10	in	in	ADP
gra-86	56	11	gold	gold	NOUN
gra-86	56	12	:	:	PUNCT
gra-86	56	13	ÿ	ÿ	PROPN
gra-86	56	14	9	9	NUM
gra-86	56	15	respondents	respondent	NOUN
gra-86	56	16	are	be	AUX
gra-86	56	17	highly	highly	ADV
gra-86	56	18	satised	satised	PROPN
gra-86	56	19	,	,	PUNCT
gra-86	56	20	11	11	NUM
gra-86	56	21	respondents	respondent	NOUN
gra-86	56	22	are	be	AUX
gra-86	56	23	satised	satised	PROPN
gra-86	56	24	,	,	PUNCT
gra-86	56	25	6	6	NUM
gra-86	56	26	respondents	respondent	NOUN
gra-86	56	27	are	be	AUX
gra-86	56	28	neutral	neutral	ADJ
gra-86	56	29	,	,	PUNCT
gra-86	56	30	2	2	NUM
gra-86	56	31	respondents	respondent	NOUN
gra-86	56	32	are	be	AUX
gra-86	56	33	dissatised	dissatised	PROPN
gra-86	56	34	and	and	CCONJ
gra-86	56	35	1	1	NUM
gra-86	56	36	respondent	respondent	NOUN
gra-86	56	37	is	be	AUX
gra-86	56	38	highly	highly	ADV
gra-86	56	39	dissatised	dissatised	PROPN
gra-86	56	40	with	with	ADP
gra-86	56	41	the	the	DET
gra-86	56	42	factor“the	factor“the	ADJ
gra-86	56	43	expected	expect	VERB
gra-86	56	44	rate	rate	NOUN
gra-86	56	45	of	of	ADP
gra-86	56	46	returns	return	NOUN
gra-86	56	47	”	"	PUNCT
gra-86	56	48	from	from	ADP
gra-86	56	49	investment	investment	NOUN
gra-86	56	50	in	in	ADP
gra-86	56	51	gold	gold	NOUN
gra-86	56	52	.	.	PUNCT
gra-86	57	1	ÿ	ÿ	PROPN
gra-86	57	2	2	2	NUM
gra-86	57	3	respondents	respondent	NOUN
gra-86	57	4	are	be	AUX
gra-86	57	5	highly	highly	ADV
gra-86	57	6	satised	satised	PROPN
gra-86	57	7	,	,	PUNCT
gra-86	57	8	9	9	NUM
gra-86	57	9	respondents	respondent	NOUN
gra-86	57	10	are	be	AUX
gra-86	57	11	satised	satised	PROPN
gra-86	57	12	,	,	PUNCT
gra-86	57	13	13	13	NUM
gra-86	57	14	respondents	respondent	NOUN
gra-86	57	15	are	be	AUX
gra-86	57	16	neutral	neutral	ADJ
gra-86	57	17	and	and	CCONJ
gra-86	57	18	4	4	NUM
gra-86	57	19	respondents	respondent	NOUN
gra-86	57	20	are	be	AUX
gra-86	57	21	highly	highly	ADV
gra-86	57	22	dissatised	dissatised	PROPN
gra-86	57	23	with	with	ADP
gra-86	57	24	the	the	DET
gra-86	57	25	factor	factor	NOUN
gra-86	57	26	“	"	PUNCT
gra-86	57	27	a	a	DET
gra-86	57	28	safe	safe	ADJ
gra-86	57	29	mode	mode	NOUN
gra-86	57	30	of	of	ADP
gra-86	57	31	investment	investment	NOUN
gra-86	57	32	”	"	PUNCT
gra-86	57	33	gold	gold	NOUN
gra-86	57	34	.	.	PUNCT
gra-86	58	1	ÿ	ÿ	PROPN
gra-86	58	2	29	29	NUM
gra-86	58	3	respondents	respondent	NOUN
gra-86	58	4	have	have	AUX
gra-86	58	5	ranked	rank	VERB
gra-86	58	6	their	their	PRON
gra-86	58	7	satisfaction	satisfaction	NOUN
gra-86	58	8	from	from	ADP
gra-86	58	9	investment	investment	NOUN
gra-86	58	10	in	in	ADP
gra-86	58	11	post	post	NOUN
gra-86	58	12	ofce	ofce	VERB
gra-86	58	13	monthly	monthly	ADJ
gra-86	58	14	schemes	scheme	NOUN
gra-86	58	15	and	and	CCONJ
gra-86	58	16	6	6	NUM
gra-86	58	17	respondents	respondent	NOUN
gra-86	58	18	are	be	AUX
gra-86	58	19	highly	highly	ADV
gra-86	58	20	satised	satised	PROPN
gra-86	58	21	,	,	PUNCT
gra-86	58	22	13	13	NUM
gra-86	58	23	respondents	respondent	NOUN
gra-86	58	24	are	be	AUX
gra-86	58	25	satised	satised	PROPN
gra-86	58	26	,	,	PUNCT
gra-86	58	27	9	9	NUM
gra-86	58	28	respondents	respondent	NOUN
gra-86	58	29	are	be	AUX
gra-86	58	30	neutral	neutral	ADJ
gra-86	58	31	and	and	CCONJ
gra-86	58	32	1	1	NUM
gra-86	58	33	respondent	respondent	NOUN
gra-86	58	34	is	be	AUX
gra-86	58	35	dissatised	dissatised	PROPN
gra-86	58	36	with	with	ADP
gra-86	58	37	the	the	DET
gra-86	58	38	factor“requirement	factor“requirement	NOUN
gra-86	58	39	of	of	ADP
gra-86	58	40	minimum	minimum	ADJ
gra-86	58	41	investment	investment	NOUN
gra-86	58	42	”	"	PUNCT
gra-86	58	43	for	for	ADP
gra-86	58	44	making	make	VERB
gra-86	58	45	investment	investment	NOUN
gra-86	58	46	in	in	ADP
gra-86	58	47	post	post	NOUN
gra-86	58	48	ofce	ofce	VERB
gra-86	58	49	monthly	monthly	ADJ
gra-86	58	50	schemes	scheme	NOUN
gra-86	58	51	.	.	PUNCT
gra-86	59	1	ÿ	ÿ	PRON
gra-86	59	2	29	29	NUM
gra-86	59	3	respondents	respondent	NOUN
gra-86	59	4	have	have	AUX
gra-86	59	5	ranked	rank	VERB
gra-86	59	6	their	their	PRON
gra-86	59	7	satisfaction	satisfaction	NOUN
gra-86	59	8	from	from	ADP
gra-86	59	9	investment	investment	NOUN
gra-86	59	10	in	in	ADP
gra-86	59	11	term	term	NOUN
gra-86	59	12	plan	plan	NOUN
gra-86	59	13	insurance	insurance	NOUN
gra-86	59	14	:	:	PUNCT
gra-86	59	15	ÿ	ÿ	PROPN
gra-86	59	16	10	10	NUM
gra-86	59	17	respondents	respondent	NOUN
gra-86	59	18	are	be	AUX
gra-86	59	19	highly	highly	ADV
gra-86	59	20	satised	satised	PROPN
gra-86	59	21	,	,	PUNCT
gra-86	59	22	11	11	NUM
gra-86	59	23	respondents	respondent	NOUN
gra-86	59	24	are	be	AUX
gra-86	59	25	satised	satised	PROPN
gra-86	59	26	,	,	PUNCT
gra-86	59	27	6	6	NUM
gra-86	59	28	respondents	respondent	NOUN
gra-86	59	29	are	be	AUX
gra-86	59	30	neutral	neutral	ADJ
gra-86	59	31	and	and	CCONJ
gra-86	59	32	2	2	NUM
gra-86	59	33	respondents	respondent	NOUN
gra-86	59	34	are	be	AUX
gra-86	59	35	dissatised	dissatised	PROPN
gra-86	59	36	with	with	ADP
gra-86	59	37	the	the	DET
gra-86	59	38	factor“providing	factor“providing	PROPN
gra-86	59	39	security	security	NOUN
gra-86	59	40	at	at	ADP
gra-86	59	41	nominal	nominal	ADJ
gra-86	59	42	cost	cost	NOUN
gra-86	59	43	”	"	PUNCT
gra-86	59	44	from	from	ADP
gra-86	59	45	making	make	VERB
gra-86	59	46	investment	investment	NOUN
gra-86	59	47	in	in	ADP
gra-86	59	48	term	term	NOUN
gra-86	59	49	plan	plan	NOUN
gra-86	59	50	insurance	insurance	NOUN
gra-86	59	51	.	.	PUNCT
gra-86	60	1	ÿ	ÿ	PRON
gra-86	60	2	5	5	NUM
gra-86	60	3	respondents	respondent	NOUN
gra-86	60	4	are	be	AUX
gra-86	60	5	highly	highly	ADV
gra-86	60	6	satised	satised	PROPN
gra-86	60	7	,	,	PUNCT
gra-86	60	8	17	17	NUM
gra-86	60	9	respondents	respondent	NOUN
gra-86	60	10	are	be	AUX
gra-86	60	11	satised	satised	PROPN
gra-86	60	12	,	,	PUNCT
gra-86	60	13	5	5	NUM
gra-86	60	14	respondents	respondent	NOUN
gra-86	60	15	are	be	AUX
gra-86	60	16	neutral	neutral	ADJ
gra-86	60	17	,	,	PUNCT
gra-86	60	18	1	1	NUM
gra-86	60	19	respondent	respondent	NOUN
gra-86	60	20	is	be	AUX
gra-86	60	21	dissatised	dissatised	PROPN
gra-86	60	22	and	and	CCONJ
gra-86	60	23	1	1	NUM
gra-86	60	24	respondent	respondent	NOUN
gra-86	60	25	is	be	AUX
gra-86	60	26	highly	highly	ADV
gra-86	60	27	dissatised	dissatised	PROPN
gra-86	60	28	with	with	ADP
gra-86	60	29	the	the	DET
gra-86	60	30	factor	factor	NOUN
gra-86	60	31	“	"	PUNCT
gra-86	60	32	flexibility	flexibility	NOUN
gra-86	60	33	to	to	PART
gra-86	60	34	receive	receive	VERB
gra-86	60	35	payout	payout	NOUN
gra-86	60	36	as	as	ADP
gra-86	60	37	monthly	monthly	ADJ
gra-86	60	38	income	income	NOUN
gra-86	60	39	or	or	CCONJ
gra-86	60	40	amount	amount	NOUN
gra-86	60	41	in	in	ADP
gra-86	60	42	lumpsum	lumpsum	NOUN
gra-86	60	43	”	"	PUNCT
gra-86	60	44	by	by	ADP
gra-86	60	45	making	make	VERB
gra-86	60	46	investment	investment	NOUN
gra-86	60	47	in	in	ADP
gra-86	60	48	term	term	NOUN
gra-86	60	49	plan	plan	NOUN
gra-86	60	50	insurance	insurance	NOUN
gra-86	60	51	.	.	PUNCT
gra-86	61	1	ÿ	ÿ	PRON
gra-86	61	2	28	28	NUM
gra-86	61	3	respondents	respondent	NOUN
gra-86	61	4	have	have	AUX
gra-86	61	5	ranked	rank	VERB
gra-86	61	6	their	their	PRON
gra-86	61	7	satisfaction	satisfaction	NOUN
gra-86	61	8	from	from	ADP
gra-86	61	9	investment	investment	NOUN
gra-86	61	10	in	in	ADP
gra-86	61	11	public	public	ADJ
gra-86	61	12	provident	provident	ADJ
gra-86	61	13	fund	fund	NOUN
gra-86	61	14	(	(	PUNCT
gra-86	61	15	ppf	ppf	PROPN
gra-86	61	16	):	):	PUNCT
gra-86	61	17	ÿ	ÿ	PROPN
gra-86	61	18	16	16	NUM
gra-86	61	19	respondents	respondent	NOUN
gra-86	61	20	are	be	AUX
gra-86	61	21	highly	highly	ADV
gra-86	61	22	satised	satised	PROPN
gra-86	61	23	,	,	PUNCT
gra-86	61	24	8	8	NUM
gra-86	61	25	respondents	respondent	NOUN
gra-86	61	26	are	be	AUX
gra-86	61	27	satised	satised	PROPN
gra-86	61	28	,	,	PUNCT
gra-86	61	29	4	4	NUM
gra-86	61	30	respondents	respondent	NOUN
gra-86	61	31	are	be	AUX
gra-86	61	32	neutral	neutral	ADJ
gra-86	61	33	and	and	CCONJ
gra-86	61	34	no	no	DET
gra-86	61	35	respondents	respondent	NOUN
gra-86	61	36	are	be	AUX
gra-86	61	37	dissatised	dissatised	PROPN
gra-86	61	38	with	with	ADP
gra-86	61	39	the	the	DET
gra-86	61	40	factor“high	factor“high	ADJ
gra-86	61	41	tax	tax	NOUN
gra-86	61	42	benets	benets	PROPN
gra-86	61	43	”	"	PUNCT
gra-86	61	44	that	that	PRON
gra-86	61	45	an	an	DET
gra-86	61	46	individual	individual	NOUN
gra-86	61	47	may	may	AUX
gra-86	61	48	get	get	VERB
gra-86	61	49	by	by	ADP
gra-86	61	50	making	make	VERB
gra-86	61	51	investment	investment	NOUN
gra-86	61	52	in	in	ADP
gra-86	61	53	ppf	ppf	PROPN
gra-86	61	54	.	.	PUNCT
gra-86	62	1	ÿ	ÿ	PROPN
gra-86	62	2	8	8	NUM
gra-86	62	3	respondents	respondent	NOUN
gra-86	62	4	are	be	AUX
gra-86	62	5	highly	highly	ADV
gra-86	62	6	satised	satised	PROPN
gra-86	62	7	,	,	PUNCT
gra-86	62	8	11	11	NUM
gra-86	62	9	respondents	respondent	NOUN
gra-86	62	10	are	be	AUX
gra-86	62	11	satised	satised	PROPN
gra-86	62	12	,	,	PUNCT
gra-86	62	13	7	7	NUM
gra-86	62	14	respondents	respondent	NOUN
gra-86	62	15	are	be	AUX
gra-86	62	16	neutral	neutral	ADJ
gra-86	62	17	and	and	CCONJ
gra-86	62	18	2	2	NUM
gra-86	62	19	respondents	respondent	NOUN
gra-86	62	20	are	be	AUX
gra-86	62	21	dissatised	dissatised	PROPN
gra-86	62	22	with	with	ADP
gra-86	62	23	the	the	DET
gra-86	62	24	factor	factor	NOUN
gra-86	62	25	“	"	PUNCT
gra-86	62	26	serves	serve	VERB
gra-86	62	27	as	as	ADP
gra-86	62	28	a	a	DET
gra-86	62	29	mode	mode	NOUN
gra-86	62	30	of	of	ADP
gra-86	62	31	collateral	collateral	NOUN
gra-86	62	32	”	"	PUNCT
gra-86	62	33	for	for	ADP
gra-86	62	34	ppf	ppf	PROPN
gra-86	62	35	.	.	PUNCT
gra-86	63	1	ÿ	ÿ	PROPN
gra-86	63	2	13	13	NUM
gra-86	63	3	respondents	respondent	NOUN
gra-86	63	4	are	be	AUX
gra-86	63	5	highly	highly	ADV
gra-86	63	6	satised	satised	PROPN
gra-86	63	7	,	,	PUNCT
gra-86	63	8	6	6	NUM
gra-86	63	9	respondents	respondent	NOUN
gra-86	63	10	are	be	AUX
gra-86	63	11	satised	satised	PROPN
gra-86	63	12	,	,	PUNCT
gra-86	63	13	8	8	NUM
gra-86	63	14	respondents	respondent	NOUN
gra-86	63	15	are	be	AUX
gra-86	63	16	neutral	neutral	ADJ
gra-86	63	17	and	and	CCONJ
gra-86	63	18	1	1	NUM
gra-86	63	19	respondent	respondent	NOUN
gra-86	63	20	is	be	AUX
gra-86	63	21	dissatised	dissatised	PROPN
gra-86	63	22	with	with	ADP
gra-86	63	23	the	the	DET
gra-86	63	24	factor	factor	NOUN
gra-86	63	25	“	"	PUNCT
gra-86	63	26	easy	easy	ADJ
gra-86	63	27	withdrawal	withdrawal	NOUN
gra-86	63	28	facility	facility	NOUN
gra-86	63	29	”	"	PUNCT
gra-86	63	30	for	for	ADP
gra-86	63	31	ppf	ppf	PROPN
gra-86	63	32	.	.	PUNCT
gra-86	64	1	conclusion	conclusion	NOUN
gra-86	64	2	:	:	PUNCT
gra-86	64	3	one	one	NUM
gra-86	64	4	big	big	ADJ
gra-86	64	5	reality	reality	NOUN
gra-86	64	6	of	of	ADP
gra-86	64	7	life	life	NOUN
gra-86	64	8	is	be	AUX
gra-86	64	9	retirement	retirement	NOUN
gra-86	64	10	,	,	PUNCT
gra-86	64	11	and	and	CCONJ
gra-86	64	12	planning	plan	VERB
gra-86	64	13	for	for	ADP
gra-86	64	14	retirement	retirement	NOUN
gra-86	64	15	is	be	AUX
gra-86	64	16	still	still	ADV
gra-86	64	17	a	a	DET
gra-86	64	18	nascent	nascent	ADJ
gra-86	64	19	concept	concept	NOUN
gra-86	64	20	in	in	ADP
gra-86	64	21	india	india	PROPN
gra-86	64	22	.	.	PUNCT
gra-86	65	1	although	although	SCONJ
gra-86	65	2	it	it	PRON
gra-86	65	3	is	be	AUX
gra-86	65	4	thought	think	VERB
gra-86	65	5	about	about	ADP
gra-86	65	6	and	and	CCONJ
gra-86	65	7	talked	talk	VERB
gra-86	65	8	about	about	ADP
gra-86	65	9	all	all	ADV
gra-86	65	10	over	over	ADV
gra-86	65	11	,	,	PUNCT
gra-86	65	12	but	but	CCONJ
gra-86	65	13	the	the	DET
gra-86	65	14	actions	action	NOUN
gra-86	65	15	for	for	ADP
gra-86	65	16	retirement	retirement	NOUN
gra-86	65	17	planning	planning	NOUN
gra-86	65	18	are	be	AUX
gra-86	65	19	still	still	ADV
gra-86	65	20	not	not	PART
gra-86	65	21	focused	focus	VERB
gra-86	65	22	by	by	ADP
gra-86	65	23	individuals	individual	NOUN
gra-86	65	24	.	.	PUNCT
gra-86	66	1	retirement	retirement	NOUN
gra-86	66	2	planning	planning	NOUN
gra-86	66	3	is	be	AUX
gra-86	66	4	very	very	ADV
gra-86	66	5	dynamic	dynamic	ADJ
gra-86	66	6	process	process	NOUN
gra-86	66	7	and	and	CCONJ
gra-86	66	8	is	be	AUX
gra-86	66	9	affected	affect	VERB
gra-86	66	10	by	by	ADP
gra-86	66	11	numerous	numerous	ADJ
gra-86	66	12	factors	factor	NOUN
gra-86	66	13	.	.	PUNCT
gra-86	67	1	individuals	individual	NOUN
gra-86	67	2	need	need	VERB
gra-86	67	3	to	to	PART
gra-86	67	4	keep	keep	VERB
gra-86	67	5	an	an	DET
gra-86	67	6	eye	eye	NOUN
gra-86	67	7	of	of	ADP
gra-86	67	8	the	the	DET
gra-86	67	9	social	social	ADJ
gra-86	67	10	,	,	PUNCT
gra-86	67	11	economic	economic	ADJ
gra-86	67	12	and	and	CCONJ
gra-86	67	13	political	political	ADJ
gra-86	67	14	factors	factor	NOUN
gra-86	67	15	along	along	ADP
gra-86	67	16	with	with	ADP
gra-86	67	17	his	his	PRON
gra-86	67	18	requirements	requirement	NOUN
gra-86	67	19	while	while	SCONJ
gra-86	67	20	planning	plan	VERB
gra-86	67	21	for	for	ADP
gra-86	67	22	retirement	retirement	NOUN
gra-86	67	23	.	.	PUNCT
gra-86	68	1	retirement	retirement	NOUN
gra-86	68	2	is	be	AUX
gra-86	68	3	a	a	DET
gra-86	68	4	comprehensive	comprehensive	ADJ
gra-86	68	5	component	component	NOUN
gra-86	68	6	of	of	ADP
gra-86	68	7	the	the	DET
gra-86	68	8	normative	normative	ADJ
gra-86	68	9	life	life	NOUN
gra-86	68	10	cycle	cycle	NOUN
gra-86	68	11	stage	stage	NOUN
gra-86	68	12	,	,	PUNCT
gra-86	68	13	so	so	CCONJ
gra-86	68	14	it	it	PRON
gra-86	68	15	is	be	AUX
gra-86	68	16	very	very	ADV
gra-86	68	17	important	important	ADJ
gra-86	68	18	to	to	PART
gra-86	68	19	plan	plan	VERB
gra-86	68	20	for	for	ADP
gra-86	68	21	the	the	DET
gra-86	68	22	golden	golden	ADJ
gra-86	68	23	years	year	NOUN
gra-86	68	24	of	of	ADP
gra-86	68	25	life	life	NOUN
gra-86	68	26	.	.	PUNCT
gra-86	69	1	deciding	decide	VERB
gra-86	69	2	when	when	SCONJ
gra-86	69	3	to	to	PART
gra-86	69	4	retire	retire	VERB
gra-86	69	5	may	may	AUX
gra-86	69	6	be	be	AUX
gra-86	69	7	one	one	NUM
gra-86	69	8	of	of	ADP
gra-86	69	9	the	the	DET
gra-86	69	10	most	most	ADV
gra-86	69	11	important	important	ADJ
gra-86	69	12	decisions	decision	NOUN
gra-86	69	13	an	an	DET
gra-86	69	14	individual	individual	NOUN
gra-86	69	15	makes	make	VERB
gra-86	69	16	during	during	ADP
gra-86	69	17	his	his	PRON
gra-86	69	18	or	or	CCONJ
gra-86	69	19	her	her	PRON
gra-86	69	20	lifetime	lifetime	NOUN
gra-86	69	21	.	.	PUNCT
gra-86	70	1	references	reference	NOUN
gra-86	70	2	:	:	PUNCT
gra-86	70	3	1	1	X
gra-86	70	4	.	.	X
gra-86	70	5	bahrami	bahrami	PROPN
gra-86	70	6	,	,	PUNCT
gra-86	70	7	b.	b.	PROPN
gra-86	70	8	(	(	PUNCT
gra-86	70	9	2001	2001	NUM
gra-86	70	10	)	)	PUNCT
gra-86	70	11	.	.	PUNCT
gra-86	71	1	factors	factor	NOUN
gra-86	71	2	affecting	affect	VERB
gra-86	71	3	faculty	faculty	NOUN
gra-86	71	4	retirement	retirement	NOUN
gra-86	71	5	decisions	decision	NOUN
gra-86	71	6	.	.	PUNCT
gra-86	72	1	the	the	DET
gra-86	72	2	social	social	ADJ
gra-86	72	3	science	science	NOUN
gra-86	72	4	journal	journal	NOUN
gra-86	72	5	,	,	PUNCT
gra-86	72	6	38(2	38(2	NOUN
gra-86	72	7	)	)	PUNCT
gra-86	72	8	,	,	PUNCT
gra-86	72	9	297	297	NUM
gra-86	72	10	-	-	PUNCT
gra-86	72	11	297chalmers	297chalmers	PROPN
gra-86	72	12	,	,	PUNCT
gra-86	72	13	j.	j.	PROPN
gra-86	72	14	m.	m.	PROPN
gra-86	72	15	,	,	PUNCT
gra-86	72	16	johnson	johnson	PROPN
gra-86	72	17	,	,	PUNCT
gra-86	72	18	w.	w.	PROPN
gra-86	72	19	t.	t.	PROPN
gra-86	72	20	,	,	PUNCT
gra-86	72	21	&	&	CCONJ
gra-86	72	22	reuter	reuter	PROPN
gra-86	72	23	,	,	PUNCT
gra-86	72	24	j.	j.	PROPN
gra-86	72	25	(	(	PUNCT
gra-86	72	26	2008	2008	NUM
gra-86	72	27	)	)	PUNCT
gra-86	72	28	.	.	PUNCT
gra-86	73	1	who	who	PRON
gra-86	73	2	determines	determine	VERB
gra-86	73	3	when	when	SCONJ
gra-86	73	4	you	you	PRON
gra-86	73	5	retire	retire	VERB
gra-86	73	6	?	?	PUNCT
gra-86	74	1	peer	peer	NOUN
gra-86	74	2	effects	effect	NOUN
gra-86	74	3	and	and	CCONJ
gra-86	74	4	retirement	retirement	NOUN
gra-86	74	5	(	(	PUNCT
gra-86	74	6	no	no	INTJ
gra-86	74	7	.	.	PUNCT
gra-86	75	1	onb08	onb08	VERB
gra-86	75	2	-	-	PROPN
gra-86	75	3	13	13	NUM
gra-86	75	4	)	)	PUNCT
gra-86	75	5	.	.	PUNCT
gra-86	76	1	national	national	PROPN
gra-86	76	2	bureau	bureau	PROPN
gra-86	76	3	of	of	ADP
gra-86	76	4	economic	economic	ADJ
gra-86	76	5	research	research	NOUN
gra-86	76	6	.	.	PUNCT
gra-86	77	1	2	2	X
gra-86	77	2	.	.	X
gra-86	77	3	davey	davey	NOUN
gra-86	77	4	,	,	PUNCT
gra-86	77	5	j.	j.	PROPN
gra-86	77	6	(	(	PUNCT
gra-86	77	7	2008	2008	NUM
gra-86	77	8	)	)	PUNCT
gra-86	77	9	.	.	PUNCT
gra-86	78	1	what	what	PRON
gra-86	78	2	inuences	inuence	VERB
gra-86	78	3	retirement	retirement	NOUN
gra-86	78	4	decisions	decision	NOUN
gra-86	78	5	?	?	PUNCT
gra-86	78	6	.	.	PUNCT
gra-86	79	1	social	social	ADJ
gra-86	79	2	policy	policy	NOUN
gra-86	79	3	journal	journal	NOUN
gra-86	79	4	of	of	ADP
gra-86	79	5	new	new	PROPN
gra-86	79	6	zealand	zealand	PROPN
gra-86	79	7	,	,	PUNCT
gra-86	79	8	33	33	NUM
gra-86	79	9	,	,	PUNCT
gra-86	79	10	110	110	NUM
gra-86	79	11	.	.	PUNCT
gra-86	79	12	volume-8	volume-8	NUM
gra-86	79	13	,	,	PUNCT
gra-86	79	14	issue-9	issue-9	NUM
gra-86	79	15	,	,	PUNCT
gra-86	79	16	september-2019	september-2019	ADJ
gra-86	79	17	•	•	NUM
gra-86	79	18	print	print	NOUN
gra-86	79	19	issn	issn	PROPN
gra-86	79	20	no	no	NOUN
gra-86	79	21	.	.	PROPN
gra-86	79	22	2277	2277	NUM
gra-86	79	23	8160	8160	NUM
gra-86	79	24	•	•	NOUN
gra-86	79	25	doi	doi	NOUN
gra-86	79	26	:	:	PUNCT
gra-86	79	27	10.36106	10.36106	NUM
gra-86	79	28	/	/	SYM
gra-86	79	29	gjra	gjra	NOUN
gra-86	79	30	136	136	NUM
gra-86	79	31	x	x	NOUN
gra-86	79	32	gjra	gjra	ADJ
gra-86	79	33	global	global	ADJ
gra-86	79	34	journal	journal	PROPN
gra-86	79	35	for	for	ADP
gra-86	79	36	research	research	NOUN
gra-86	79	37	analysis	analysis	NOUN