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(Click for frequent words.) 80 investible assets 65 investable assets excluding 63 HNW 62 UHNW 59 HNWIs 57 Spectrem 56 HNWI 56 ultra HNWIs 55 HNW individuals 54 individuals HNWIs 54 UHNW clients 54 Ultra HNWIs 53 Spectrem Group 52 Mass Affluent 51 asset allocation 51 UHNW individuals 50 net worths 50 Pyramis Global Advisors 49 individuals HNWI 48 Wealth Management 48 Merrill Lynch Capgemini 48 AuM 48 rebalanced annually 48 HNWs 48 household incomes 48 investable 47 HNW clients 47 LTFs 47 assets custodied 47 foundations endowments 47 Mathew Greenwald & 47 Asset Allocation 47 affluents 47 CREF Stock 47 Cerulli Associates 46 GenXers 46 Scorpio Partnership 46 SFOs 46 FoHF 46 endowments foundations 46 mutual funds 46 BNY Mellon Wealth Management 46 Large Cap Blend 46 FoHFs 46 AuA 46 endowments foundations pension 45 subadvises 45 LIMRA International 45 Affluent 45 SMSFs 45 New Retirement Mindscape 45 IXIS Asset Management 45 Tillinghast Towers Perrin 45 funds endowments foundations 45 Tiburon Strategic 45 JPMAM 44 Bipolar disorder affects 44 Vanguard GNMA fund 44 Defined Contribution 44 RBC GAM 44 Retirement Income 44 Hedged Equity 44 Rogerscasey 44 investible 44 GenSpring 44 Prudential Retirement 44 Sinopia 44 IRA rollover 44 Barclays Wealth 44 Segregated funds 44 Ultra HNWI 44 PNC Advisors 44 Consumer Finances 44 MFS manages 44 AllianceBernstein Investments 43 Private Banking 43 preretirement 43 Altfest 43 Schizophrenia affects 43 subadvised 43 investment advisors RIAs 43 MFOs 43 AXA Rosenberg 43 preretirement income 43 Altegris 43 Institute EBRI 43 Gerard Aquilina 43 LifeStrategy 43 affluent 43 Rollover IRAs 43 F Squared 43 RMFs 43 FDIC insures 43 Merrill Lynch Cap Gemini 43 investible surplus 43 bottom quintile 43 RidgeWorth 43 BNY Asset Management 43 firm Cerulli Associates 43 TDFs 43 institutional investors 43 annuitized 43 Gartmore Cautious Managed 43 Osteoarthritis affects 43 richest quintile 43 FoFs 43 Rollover IRA 43 subaccounts 43 Lifestyle Portfolios 43 k rollovers 43 GSAM 43 Small Cap Equity 42 Wealth Management Americas 42 visit www.fidelity.com 42 MFS Investment Management 42 Expense ratios 42 foundations endowments corporations 42 Manulife TEDA 42 Brightwork Partners 42 € #.#trn 42 HNWI population 42 HNWI wealth 42 Primerica insures 42 Stable Value 42 asset allocators 42 IRA Roth IRA 42 Fiduciary Asset Management 42 Wachovia Wealth Management 42 Forbes Billionaires List 42 annuitize 42 Private Wealth 42 custodied 42 WHG LargeCap Value 42 funds foundations endowments 42 Fidelity Investments Vanguard 42 JP Morgan Asset Management 42 Schwab NASDAQ SCHW 42 Balanced Managed 42 CGM Realty 42 BetaPro manages 42 Invested assets 42 Institutional Asset Management 42 civilian noninstitutionalized population 42 commingled trusts 42 #.#trn [003] 42 stakeholder CTFs 42 rollover IRA 42 Equity Fixed Income 42 investable universe 42 Greenwich Associates 41 Private Wealth Management 41 BH Macro 41 Ian Spreadbury 41 www.troweprice.com 41 HNIs 41 Harris myCFO 41 Transamerica Retirement 41 SMSF 41 iShares ETF 41 networth 41 NYLIM 41 Nuveen Investments 41 Vanguard GNMA 41 incomes 41 annuitizing 41 Transamerica Retirement Services 41 Investment Counsel 41 CFPs 41 Batterymarch Financial Management 41 Standish Mellon Asset Management 41 Principal LifeTime Funds 41 LIMRA 41 Roth IRA conversions 41 Rydex manages 41 Corporation NASDAQ SCHW 41 tracker Hedge Fund 41 Large Capitalization 41 researcher Rupert Hoogewerf 41 analyst Rupert Hoogewerf 41 Variable annuity sales 41 Laudus Funds 41 Large Cap Equity 41 Merrill Lynch Wealth Management 41 fiduciary 41 concessional contributions 41 IRAs 41 GFIA 41 Adrian Lowcock 41 mutual fund 41 rollover IRAs 41 subadvisers 41 Memphis Tenn. Morgan Keegan 41 RIAs 41 Kochis Fitz 41 Defined Contribution Survey 41 Internaxx 41 lifestage 41 Required Minimum Distributions 41 equities 41 Fairholme Capital 41 Fixed annuity 40 Bjurman Barry 40 Principal LifeTime 40 deferred variable annuity 40 multicap 40 Fidelity Spartan 40 AutoPacific consulting 40 multistrategy hedge fund 40 multimanager 40 CHF#bn 40 multiasset 40 AssetMark 40 Altegris Companies 40 Jennison Associates 40 Sanjiv Mirchandani 40 GenSpring Family Offices 40 tracker Lipper Inc. 40 Hurun Wealth Report 40 asset allocators overweight 40 pensions endowments 40 Lyle LaMothe head 40 traditional IRAs 40 Yacktman Focused Fund 40 broadly diversified 40 SMSF trustees 40 Shayne Heffernan oversees 40 Isa allowance 40 UBS AG UBS UBSN.VX 40 RRSPs 40 Pradeep Dokania 40 SIPP 40 Mutual Funds 40 NewFinance Capital 40 Fidelity Special Situations 40 Lee Munder Capital 40 PBGC insures 40 plusers 40 decumulation 40 AXA IM 40 uninvested 40 Evensky 40 EBRI 40 annuities 40 annuity 40 retirement nest egg 40 Primecap Management 40 Ucits compliant 40 GuidedChoice 40 religiously unaffiliated 40 Experian employs 40 MyNetwork TV reach 40 Hurun 40 JF Asset Management 40 Variable annuity 40 CGM Focus Fund 40 BMO InvestorLine 40 Invesco Perpetual Income 40 Large Cap Growth 40 NTGI 40 Investment Advisors 40 ThomasLloyd Global 40 Navneet Munot 40 wirehouse channel 40 Stanasolovich 40 undeducted contributions 40 CDO write downs 40 Justin Modray 40 Claymore Advisors 40 Hennessee Hedge Fund 40 underweighting 40 Wealth Managers 40 Lazard Emerging Markets 40 HSBC Jintrust 40 Younger Boomers 40 PowerShares Active 40 multicap funds 40 Sovereign Wealth Funds 40 Shari'ah compliant 40 Reyl 40 PanAgora 40 Managed Portfolios 40 subadvisory 40 criminal pasts Dayanim 40 Dazhong Insurance Co. 40 Luxembourg domiciled 40 IRA rollovers 39 Schwab Institutional 39 SSgA 39 Urinary incontinence affects 39 Bessemer Trust 39 Psoriasis affects 39 Defined contribution 39 FundSource 39 Quantitative Equity 39 Emerging Markets Equity 39 Metropolitan Statistical Areas MSAs 39 RiverSource Investments LLC 39 Mr. Mastracci 39 RLAM 39 Individual Annuities 39 T. Rowe 39 Vaibhav Sanghavi 39 UCITS III compliant 39 Infertility affects 39 nonworking spouse 39 accounts SMAs 39 microcap segment 39 RBC O'Shaughnessy 39 tracker Morningstar 39 individuals HNIs 39 AXA Framlington 39 IGD surplus 39 Securian Financial Services 39 Multimanager 39 Lipper Analytical Services 39 Schwab Charitable 39 Aetos Capital 39 Fidelity Contrafund FCNTX 39 Subadviser 39 ultrashort bond 39 LGIM 39 TriDelta Financial Partners 39 AllianceBernstein 39 Marc Seidner 39 Limra 39 OC SFOs 39 AllBlue 39 #trn 39 Hyperion Brookfield manages 39 WCI caters 39 NTGA 39 All Ordinaries Accumulation 39 Ucits funds 39 Managed Accounts 39 RBC Dexia 39 NYSE SCHW 39 prgms 39 SSgA Funds Management 39 Hedgeweek 39 Affluents 39 Mr Modray 39 Investable 39 Moderate Allocation 39 Odey Asset Management 39 custodied assets 39 LRG Capital Group 39 GMWBs 39 economists Emmanuel Saez 39 Rupert Hoogewerf researcher 39 Pictet Asset Management 39 LGT Capital 39 Lydian Wealth Management 39 Trustnet 39 Credit Suisse Merger Arbitrage 39 passbook savings 39 university endowments foundations 39 wirehouses 39 Vanguard Inflation Protected 39 Yacktman Fund 39 visit www.nuveen.com cef 39 CEO Walt Bettinger 39 Implied vols 39 O'Shaughnessy Asset Management 39 Managed Payout 39 Glenmede Investment Management 39 Older Boomers 39 recordkeeper 39 Fund Advisors BGFA 39 fund tracker Morningstar 39 SteelPath 39 underbanked 39 SkyBridge Capital 39 McLean Budden 39 Cautious Managed 39 Variable Annuities 39 Putnam Lovell 39 YieldPlus Fund 39 Generation Ys 39 Special Situations fund 39 NYLIM Retirement Plan 39 BHCs 39 Separate Accounts 39 HFN database 39 Kehrer LIMRA 39 ultra affluents 39 Large Cap Value 39 subadviser 39 Defined Contribution DC 39 Grail Partners 39 Rydex SGI 39 Keith Trauner 39 FOFs 39 SuperRatings 39 Connie Stefankiewicz 39 PIMCO 39 Barton Biggs 39 stockpickers 39 TFSA 39 Waldert 38 Gen Xs 38 Talvest 38 expense ratios MERs 38 Prudential Annuities 38 Muhlenkamp Fund 38 FOLIOfn Investments Inc. 38 Emerging Markets Bond 38 GuideStone Funds 38 Roth IRA conversion 38 Wilshire Associates 38 Chief Executive Laurence Fink 38 investment 38 Homeowner Confidence 38 Amalgamated LP 38 Eugley chipped 38 Lehman Aggregate Bond 38 Bing Waldert 38 Munder Capital 38 nondepressed 38 Health NSDUH 38 Barclays Wealth Insights 38 Advisers Act 38 Roth IRAs 38 investible funds 38 Rheumatoid arthritis affects 38 HDB upgraders 38 NBFC MFI 38 PineBridge Investments 38 Dreyfus Appreciation 38 Charitable Gift 38 Francois Gadenne 38 Neue Privat Bank 38 Eurekahedge Hedge Fund 38 ClearBridge Advisors LLC 38 Roth IRA 38 Institutional Investor Alpha 38 Wealth Advisory 38 MainStay Investments 38 MultiManager 38 Aggregate Bond 38 Lifecycle Funds 38 eVestment Alliance 38 Glenmede Trust Co. 38 Societe Generale Asset Management 38 Jeffrey Kleintop 38 Aggregate Index 38 Cazalet Consulting 38 Dividend Appreciation 38 Ms. Nalbantoglu 38 Rydex 38 Marcel Kreis 38 UOB Asset Management 38 closet indexers 38 Rudney Associates 38 AUM 38 UMAs 38 Index VFINX 38 vs. #.#K 38 www.FidelitySouthern.com 38 ipac 38 Callan Associates 38 Siguler Guff 38 uncorrelated returns 38 Individual Retirement Accounts 38 Standish Mellon 38 Absolute Return 38 Permal Group 38 Lehman Aggregate 38 IncomePlus 38 Juerg Zeltner 38 Millenials 38 Fidelity Investments 38 Fixed Income 38 Howson Tattersall 38 RIA Benchmarking Study 38 Lowenhaupt Global Advisors 38 exempting estates 38 SEAMARK 38 Mathew Greenwald 38 U5s 38 Multistrategy 38 Mendelsohn Affluent Survey 38 Kitces 38 Tocqueville Gold 38 Wealth 38 HNW UHNW 38 Generation Y 38 Columbia Glbl Value 38 ROTH IRA 38 Unfunded pension liability 38 Retirement Accounts 38 iShares MSCI Emerging 38 Rydex SGI AdvisorBenchmarking 38 AIP Mutual Funds 38 Eurekahedge 38 wirehouse advisors 38 Saffron Asset 38 Mortgage originations 38 AMG Affiliates 38 QFII quota 38 BIS Tier 38 Marten Hoekstra 38 RRSP contributions 38 Axa IM 38 CSFB Tremont 38 ISA allowance 38 Philip Barach 38 Modray 38 FUM 38 institutional 38 Indexed annuities 38 market capitalisations 38 FountainVest 38 file FBARs 38 Dalbar 38 UBS Wealth Management 38 DLIBJ Asset Management 38 BRW Rich List 38 Portfolio Managers 38 Employee Benefit Research 38 Alleron 38 Liability Driven 38 recordkeepers 38 Christine Marcks president 38 Axa Rosenberg 38 Global Wealth Management 38 Sprott Hedge Fund 38 MassMutual Retirement Services 38 AIG VALIC 38 Altegris Investments 38 diversified portfolios 38 Richard Wastcoat 38 Dain Rauscher 38 Balanced Income 38 Remittance flows 38 PFPC 38 investors investisseurs qualifies 38 filers earning 38 Adveq 38 AQR Capital Management 38 Permanent Portfolio 38 Laudus Mondrian 37 Solamere Advisors 37 nest egg 37 ICICI Prudential Asset Management 37 Marlborough Special Situations 37 Will Danoff 37 Framlington 37 Expobank 37 Ivy Funds 37 MFC Global 37 lifestyling 37 BestInvest 37 Employee Benefits Trends 37 ISA wrapper 37 Fidelity Institutional 37 Multi Strategy 37 Socially responsible 37 Julius Baer Investment 37 Absolute Return Fund 37 Lipper Fitzrovia 37 Financial Planner 37 Michael Lagopoulos 37 Grantham Mayo 37 Preqin Ltd. 37 CS Tremont 37 IMA Absolute Return 37 PlexCrown ratings 37 GoodHaven 37 VanDerhei 37 pensions endowments foundations 37 AFBA 5Star 37 Sandra Timmermann Ed.D. 37 QDIA 37 Harding Loevner 37 SUBSIDIES Tax credits 37 Steve Neimeth 37 Coller Capital 37 Absolute Return Strategies 37 Midcap Growth 37 HFRX 37 PSigma 37 Union Bancaire Privee 37 Approved Persons 37 RBC Dexia Investor 37 Leon Frazer 37 Dimensional Fund Advisors 37 Gowadia pocketed 37 Oeic 37 Loomis Sayles & 37 Osteoporosis affects 37 assets 37 Ignis Asset Management 37 BSLAMC 37 YieldQuest 37 AustralianSuper 37 Dean Gulis 37 MetLife Mature Market 37 stockpicking 37 FundQuest Incorporated Registered 37 Tykhe Capital 37 Soundview Capital Markets 37 Affiliated Managers Group 37 CPP QPP benefits 37 Wealth Advisor 37 Masataka Horii 37 Nedgroup Investments 37 Unsecured loans 37 Jeremy Brewin 37 T. Rowe Price TROW 37 Isa wrapper 37 Greg Ghodsi 37 Barbara VanScoy 37 DoubleLine Funds 37 Marsico Focus 37 EAFE 37 multistrategy fund 37 consultancy Watson Wyatt 37 noninterest bearing checking 37 Guotai Asset Management 37 BNP PAM 37 households 37 AEPG 37 Holding NV ASML 37 Fiera Capital 37 Metzler Payden European 37 MUTF 37 Ucits 37 WealthTouch 37 Balanced Portfolio 37 Bin Talal Alsaud 37 Advisers LLC 37 Citic Prudential 37 Residential Real Estate 37 Bestinvest 37 Joji Maki 37 #k Toolbox 37 noninterest bearing deposits 37 FIFs 37 High Networth Individuals 37 Investor Warren Buffet 37 Silent Generation 37 John Ameriks 37 TCW Galileo 37 initial overcollateralization OC 37 deferred annuities 37 RiverSource 37 Tactical Asset Allocation 37 Mindset Media 37 Malcolm H. Gissen 37 Mavrix Mutual Funds 37 Solo #k 37 Atalanta Sosnoff 37 Amandeep Chopra 37 Ray Dalio 37 HDFC Prudence 37 Retirement Plan 37 Investment Management GWIM 37 Brevan Howard Master 37 Lipper Fund 37 subaccounts serviced 37 Sicav 37 HOOPP 37 EuroPacific 37 Highbridge Capital 37 LMCM 37 income 37 FTAM 37 Per capita income 37 Chuck Akre 37 nonstock incentive compensation 37 IGM TSX IGM 37 Inflation Protected Securities 37 Fidelity Magellan Fund 37 Atalanta Sosnoff Capital 37 Credit Agricole Asset Management 37 Brandes Investment 37 Northleaf Capital Partners 37 7IM 37 subadvisors 37 invest 37 Issuances Table 37 MSC.Software employs 37 toushin 37 Small Mid Cap 37 underweighted 37 Zweig Advisers LLC 37 Rothstein Kass 37 JPMP 37 gini coefficient 37 Diversified Income 37 Preqin 37 TFSAs 37 investing 37 Madoff swindled 37 Harold Evensky 37 Luxembourg domiciled Sicav 37 NAAIM 37 Lipper peer 37 Vantagepoint 37 Akre Capital 37 equity 37 Dynamic Mutual Funds 37 oversample 37 Per capita GDP 37 expense ratios TERs 37 RRSPs RRIFs 37 IRA withdrawals 37 Invesco Trimark 37 Manulife Asset Management 37 convertible arbitrage 37 MFC GIM 37 Crispin Odey 37 ASTMAX Futures Co. 37 Hennessy Advisors 37 Genworth Financial Wealth Management 37 median household 37 multistrategy 37 outflows 37 RRSP 37 Brevan Howard Asset Management 37 Large Cap Core 37 wealth 37 PlexCrown rating 37 Structured Products 37 Barclay Hedge Fund 37 JPMorgan Asset Management 37 SMAs 37 Nikko AM 37 UCITS 37 workless household 37 Interview Survey 37 #k #b 37 Pictet 37 Fidelity Contrafund 37 DeAM 37 Ucits hedge 37 Mega Cap 37 hedge funds 37 d Calculated 37 Jovian Capital Corporation 37 families arou 37 hedge fund 37 Gen Y 37 Victory SBSF Capital 37 MainStay 36 Ibbotson Associates 36 De la Villehuchet 36 CRA Qualified 36 BlueBay Asset Management 36 Migraine affects 36 RBC Wealth Management 36 Cater Allen 36 Powerball jackpots exceeded 36 MyPrivateBanking.com 36 disposable income 36 www.fidelity.com 36 stakeholder CTF 36 SEP IRAs 36 renter households 36 Commodities FICC 36 eVestment 36 MSCI indices 36 CitiGold 36 consultants Watson Wyatt 36 HFRI 36 gen Xers 36 Minibonds 36 PAAMCO 36 Rathbone Brothers 36 DoubleLine 36 AlphaMetrix 36 investable benchmark 36 ProFunds mutual funds 36 Cornerstone Real Estate 36 Fairholme Fund 36 Annaly manages 36 HSA HDHP 36 1tn 36 divorcees 36 Julius Baer Holding 36 AFIAA 36 Its presale estimate 36 FMR Corp. 36 #l k 36 Stuttering affects 36 Franklin Templeton 36 CMHC insured mortgages 36 Ipsos Mendelsohn 36 Roth IRA Conversion 36 cohabitors 36 Traditional IRAs 36 Special Situations Fund 36 YieldPlus Funds 36 Insured Retirement Institute 36 Tjornehoj 36 JHRPS 36 PMFM 36 ABN AMRO Mellon 36 Transamerica Asset Management 36 Aggressive Growth Portfolio 36 Palaveev 36 ShareBuilder.com 36 MyFolio 36 pegged Tim Blixseth 36 deferred annuity 36 CCRCs 36 DoubleLine Total 36 multistrategy funds 36 Wealth Advisors 36 divorced widowed 36 Finadium 36 Closed End Mutual Funds 36 Alicia Munnell 36 Variable annuity deposits 36 National Comorbidity Survey 36 IHT threshold 36 TDAmeritrade 36 outward FDI 36 Altegris Advisors 36 Halcyon Asset Management 36 Vontobel Asset Management 36 Jesse Slome executive 36 Zimpleman 36 Morningstar www.morningstar.com 36 Larry Pitkowsky 36 CitizensTrust 36 Absolute Alpha 36 CPPIB invests 36 NGAM 36 Theodoor Gilissen Securities 36 Lehman Brothers Aggregate Bond 36 quintile 36 Brevan Howard 36 aged ≥ 36 Venulum 36 HDFC Taxsaver 36 grantmaking foundations 36 Roy Neuberger 36 AMVESCAP 36 Trend Macrolytics 36 variable annuity 36 StreetTRACKS 36 PCN PTY 36 annuitization 36 Tax Exempt Bond 36 DBS Asset Management 36 Swisscanto 36 Allocated underwriting result 36 #.#trn [001] 36 Aspiriant 36 Religare Macquarie 36 PRAs 36 investable indices 36 Generation Y'ers 36 Engines NASDAQ FNGN 36 TheLadders.com 36 OPEB obligations 36 Batterymarch 36 noninterest bearing deposit 36 boutiques Janus 36 Ferrier Lullin & 36 Generation Yers 36 Ken Volpert 36 Select Midcap 36 CHF3 36 InvestorWeb 36 EuroHedge 36 Dividend Income 36 Lipper 36 Aust Rim 36 Sanjeev Shah 36 SIPPs 36 3trn 36 invest ments 36 Hartford Mutual Funds 36 Balanced Fund 36 Fortis Investments 36 Soha Nashaat 36 Lipper Thomson Reuters 36 CSAM 36 Long Term Tax Exempt 36 SmartGrowth ® 36 Crestone Capital 36 Jerome Schupp 36 LOHAS 36 Undiscovered Managers 36 Private Client 36 Lowlicht 36 Sompo Japan Asset Management 36 Merrill Lynch Affluent Insights 36 Individual Savings Accounts 36 Putnam Investments 36 PlanSponsor 36 BNY Mellon 36 OZ Master 36 YieldPlus funds 36 NWQ specializing 36 Donald Yacktman 36 IFAs 36 SelectingSuper 36 Kelmoore Investment Company 36 Ellerston Capital 36 Unretirement Index 36 Sanjiv Duggal 36 Millennials 36 Société Générale Asset Management 36 microinsurance 36 GFWM 36 Emerging Markets Private Equity 36 TimesSquare Capital Management 36 Osenat auction house 36 Madoff 36 Fairholme Fund FAIRX 36 ProShares ETFs 36 lavalifePRIME 36 Global Absolute Return 36 Rho Ventures VI 36 lakh folios 36 CFP designation 36 Majedie Asset Management 36 UITs 36 Invesco Perpetual Corporate 36 Notz Stucki 36 Jack Marrion 36 C2DE 36 deposits FDs 36 Felcom 36 Grahame Exton 36 IRA Individual Retirement 36 Retirement Readiness 36 KBSH 36 ultrawealthy 36 maxi ISA 36 BlackRock Inc BLK.N 36 nondeductible contributions 36 rebalance portfolios 36 PerTrac Analytical Platform 36 LLC Member SIPC 36 Kirr Marbach 36 HydePark 36 Tangible stockholders 36 CDIC insured 36 Managed Futures 36 Bellco Capital 36 millennials 36 Tontine Associates 36 reinvested distributions 36 UMB Scout Funds 36 SCBAM 36 wealthiest billionaires 36 SCITI 36 Corp SCHW 36 Hans Goetti 36 ALTIN 36 Primecap 36 Workplace Investing 36 KTB Asset Management 36 Utkus 36 buppies 36 PLANSPONSOR Magazine 36 Samena Capital 36 Style Portfolios 36 defraud Tyco 36 Pershing Advisor Solutions 36 Morningstar Hedge Fund 36 Yield Plus 36 Defined Contributions 36 BMO Retirement 36 Conversus 36 Barings Asset Management 36 Immediate annuities 36 SGAM 36 FundQuest 36 Kinnel 36 Index FUND VFINX 36 SponsorMatch 36 corporations foundations endowments 36 Private Equity Funds 36 Firmwide assets 36 GPIF 36 Halbis 36 FTAS 36 Active Trader DARTs 36 Crédit Agricole Asset Management 36 PerTrac 36 CHF4 36 Underlying Index 36 BlackRock NYSE BLK 36 nonretirement accounts 36 Short Duration Bond 36 Longleaf Partners Funds 36 Marketocracy Masters 36 MCCSR ratio 36 nonemployer firms 36 Ermitage 36 Vayupak Fund 36 pronounced veel ou SHAY 36 Generation Xers 36 endowments