Why? Because studies and stuff.
Yet... From the IOM itself!
"No studies have compared the differences in health outcomes that some stakeholders questioned between entirely unimmunized populations of children and fully immunized children.
Experts who addressed the committee pointed not to a
body of evidence that had been overlooked but rather to the fact that existing research has not been designed to test the entire immunization schedule.
The committee believes that although the available evidence is reassuring, studies designed to examine the long-term effects of the cumulative
number of vaccines or other aspects of the immunization schedule have
not been conducted.
https://www.ncbi.nlm.nih.gov/books/NBK206948/pdf/Bookshelf_NBK206948.pdf
Ed McQuarrie talks the REAL History of Stocks and Bond performance.
Worried About a Stock Market Crash? Here’s What You Should Be Worried About Instead. - Barron's https://share.google/zxmc1t7eE4TLrdHPh
Read this article from Barron's
https://www.morningstar.com/portfolios/when-it-comes-bonds-dont-be-hero
Interesting article on bond allocation, short term needs for retirement are better to be in a money market account up to two years of spending and up to ten years in a high quality active bond fund. Also active bonds have outperformed index bond funds by one percent