Israel already on their 4th (count 'em - 4th!) booster. Today Pfizer is in front of the FDA arguing for boosters because they acknowledged their VE (vax effictenvess) drops to 47% after the 5th month.
So you got your Pfizer jab 5 months ago did ya and you think you're "fully-vaxxed". Well, according to Pfizer itself, less than half of you are. Thus, boosters. And boosters will probably be needed every 4 months as we sit here today. Think about that.
Ed McQuarrie talks the REAL History of Stocks and Bond performance.
https://www.morningstar.com/funds/vanguard-wellesley-income-is-top-choice
Could be a great fund to start with starting in retirement and cash. Or use Vanguard Wellington and cash if you want to be more aggresive
https://www.morningstar.com/economy/what-weve-learned-150-years-stock-market-crashes
Take a look at this what has happend in past in stock market