"It is important to realize that in physics today, we have no knowledge what energy is. We do not have a picture that energy comes in little blobs of a definite amount. It is not that way" (Feynman, 1964)”
“In brief, E has no mass, because it is a calculation that uses a matter-motion term for describing the motion of matter. Matter exists, while motion occurs. Other matter-motion terms include momentum (P=mv) and force (F=ma). Neither of these actually exist, they simply describe what happens when things collide. So, Feynman is right about energy not being matter. His consternation remains today, as you still won’t get a straight answer from most regressive physicists.”
http://thescientificworldview.blogspot.com/2022/11/does-energy-have-mass.html?m=1
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