There is a difference in the way men and women see risk and investment results.

That is one of the conclusions of a recent report by Dalbar, the fund research firm based in Boston. In a survey of 1,100 households with incomes of $50,000 or more conducted in December, Dalbar said it found that market volatility in the second half of 1998 - a period Dalbar termed "Turmoil 98" - created a "behavioral gulf between the sexes."

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