Man, down here to get Maddy and bring her back to Georgia. Temp is 101 but feels like 110! I'd take Phoenix over this any day of the week. At least in Phoenix you don't have flying cockroaches!
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