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Larry Hilton, a 54-year-old Xerox Corp. technician from Reading, Mass., has been watching the market’s ups and downs and thinking he should review his 401(k) to see whether his investment mix needs adjusting.

If he does make any investment changes, he likely would put more of his money in a low-risk investment like a money-market fund, he said.

“It’s hard to know what the market’s going to do next,” Mr. Hilton said.