A defensive core in Costco and UnitedHealth that moves to T‑Bills if overheated or during fast market drops, plus a small tactical sleeve that buys UVXY only when markets look frothy; otherwise it sits in short‑term bonds.

Two parts. Core: mostly hold Costco (COST) and UnitedHealth (UNH). If either looks overheated—or the S&P 500 just plunged fast—that slot parks in T‑Bills (BIL). Tactical: if the S&P is above its long‑term trend and markets look euphoric, briefly buy UVXY (jumps when fear spikes); otherwise sit in short‑term bonds (BSV). In downtrends it mostly stays in BSV, with only brief UVXY bursts.

Low-beta, defense-first strategy with automatic hedges to cash and a measured volatility sleeve. Positive out-of-sample Sharpe and low SPY correlation offer diversification and resilience in volatile markets versus the S&P 500.