“Vice is a monster of so frightful mien,
As to be hated needs but to be seen;
Yet seen too oft, familiar with her face,
we first endure, then pity, then embrace.”
British poet Alexander Pope
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