Own UnitedHealth (80%) and Costco (20%) only when they aren’t overheated. If they are—or if the market just crashed—sit in a T‑bill ETF (BIL). Weekly checks aim to ride steady uptrends and hide in cash during spikes and panics.

Each week, split 80% UnitedHealth (UNH) and 20% Costco (COST). For each: if its “heat score” (RSI: a 0–100 measure of how fast it’s been rising) is below a cap (UNH 79, COST 69), buy it—unless the S&P 500 fund (SPY) just plunged >12% in 5 days. If too hot or a plunge, park in BIL (T‑bill ETF).

Defensive, rules-based sleeve using RSI gates and crash-stops into T-bills. Diversification overlay, not core. Out-of-sample: about -6.8% annualized return and ~52% drawdown vs SPY's ~19%, so not a stand-alone winner.