The run-up in stock prices this year could tempt even the most hands-off investor to wade into their 401(k) and make some changes.

The Dow Jones industrial average, Nasdaq and Standard & Poor's 500 indexes are each up more than 20 percent over the past 12 months. But experts suggest investors tread cautiously and avoid major changes aimed at timing the market.

"It's a retirement account. You are investing for not months or even years, but decades into the future," says Eric Tyson, author of "Personal Finance for Dummies."

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