“We don’t know what dark energy is, but we must assume it exists to explain the universe’s expansion. Similarly, we also need to assume there is a type of invisible matter presence, dubbed dark matter, to explain how galaxies and clusters evolved to be how we observe them today.”
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