It’s a miracle I can’t take for granted no matter

Lena Dunham celebrates two years sobriety

Lena Dunham is celebrating two years ”clean and sober”.

## ## The ‘Girls’ star is marking 24 months of sobriety and admits back then, she was so ”afraid to change”.

She wrote: ”Today I have 2 years clean and sober. It’s a miracle I can’t take for granted no matter how hard I try. Two years ago I didn’t think I needed to get sober. But a quiet voice inside me said, ‘lay it down for a moment’ and then other, louder voices helped me keep it up. To those voices you know who you are and thank you x infinity . My heart pounds thinking of who I was two years ago. I was afraid to change but what actually happened was that I became myself again, a young and carefree self, a self who was clear in intention and bold in action and most of all free. We know, now more than ever, that we all need to be free. When I first got sober, people often told me it was the best choice they’d ever made, the achievement of which they’re most proud.

She added: ”But they were right not using and removing secrecy and self harm from my repertoire, has given me a life beyond my wildest dreams. Not because it’s perfect, but because it is really and truly mine There is real help available for people who feel they are beyond hope. So many people are waiting for you across a shaky but time tested bridge Now here is a picture of me smiling just because 🙂 (sic)”

Keep in mind that even these investments can and do

## ## Make an Investment Portfolio More Conservative with Asset Allocation

However, certain asset classes have historically been less volatile than others. Theoretically, having more of these in your portfolio will make it more conservative.Historically, government bonds are less volatile than municipal bonds, which are traditionally less volatile than stocks of large US companies, which are less volatile than stocks of small US companies, which are less volatile than the stocks of international companies. But, as history teaches us, there is no guarantee that this will be the case every year.However, over longer periods of times, this paradigm holds up fairly well. Treasuries and high rated bonds.There is an important note here. Junk Bonds are often very volatile especially during tough economic times, so increasing your allocation to high yield, or junk bonds (they are the same thing) does not make your portfolio more conservative.Instead, stick with investment grade bonds and government and municipal bonds for less volatility. Keep in mind that even these investments can and do go down in value. More conservative does not mean safe, it means that their value won’t fluctuate as greatly as less conservative investments over a reasonable period of time.It is also important to note that shifting to more conservative asset allocation does not mean to eliminate investments in stocks or even international stocks, but rather to cut back on the amount given to them. Most financial professionals don’t recommend a split greater than 60% bonds / 40% stocks to anyone other than their most skittish clients who are already retired and living off of their investment income.An oft quoted rule of thumb is to subtract your age from 100 and use the resulting number as your allocation to stocks with the remainder going into bonds. For example, a 45 year old would allocate 55 percent (100 45) to stocks and 45 percent to bonds.The most important thing is to stick to your asset allocation strategy during the market ups and downs. Frequently changing your allocation is just another type of market timing.

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