Even with the Nasdaq and S&P 500 at two-year highs and the Dow Jones Industrial Average comfortably above the 10,000-mark, almost two-thirds of public company employees said they would not shift strategies within 401 (k) plans, according to a survey by the benefits firm Clark Consulting.

The poll asked, "Will any anticipated changes in the stock market affect asset allocation in your retirement savings plan?" Fifty-five percent said that although they anticipated the market would change, they would not change their portfolio. Another 8% said that they did not anticipate a change and would not alter their retirement plans.

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