naz dag were down slightly. >> rude oil prices dropped slightly but still over $100 a barrel. the dow closed at 12,213. naz dag fell 14 points to 2,752. what do investors think and where are they? for our answer, tom vacar. >> reporter: 2600 miles from wall street. today by the two year rise on the stock market, individual investors remain leerily. >> it's a little scary. we pay more attention and more cautious and, you know, it's coming back slowly but it's very slow. >> i am still, you know, trying to be positive but i am also skeptical. >> folks say the crash changed the way they invested. >> i changed around my -- the way it was mixed up, put a few more here and there. >> moved it around. and i chose not to put in more. more than our minimum. >> reporter: since the market bottomed out the dow is up 87%. the s&p up 95% and naz dag up 117%. nonenonetheless -- >> about the same, i think. which i guess is all right. >> reporter: an average 4o1k is worth 70,000. if you had that in the dow, you had under $32,000 by the time it hit bottom. today you are $10,000 behind. the same money in the nasdaq market saw you lose