The more you dig into ole Al Einstein the more suspicious you must become. It becomes obvious that Al was chosen to follow Darwin's lead and bring the world to the faith of Sciencetism over religion.
"His father's business prospered no better in Italy than it had in Germany and he was unable to help his son(Al). Other members of the family had done better. Dispersed all over the world, they had maintained the solidarity, characteristic of Jewish families, which does not imply affection so much as a tradition of mutual responsibility.
Albert Einstein aimed at the Polytechnic in Zurich and hoped his mathematics would enable him to pass his entrance exams. Rich relations helped out by supplying a hundred Swiss francs a month but they had no suspicion of the forces they were helping to unleash, and on of the most remarkable scientific careers in history was launched out of family charity, exercised more from a sense of duty than any confidence in the boy's gifts or any interest in science." Antonina Vallentin - The Drama of Albert Einstein (pages 28-29)
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