How dare an American criticize ole Al!
"Einstein had been in America for three years. In Europe, he was used to having his papers published without question and he was riled by the request to revise his work. Quickly he sent a letter to the Physical Review’s editor, John Tate"
https://www.famousscientists.org/man-who-proved-einstein-wrong/
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