A one‑ETF‑at‑a‑time switcher. It goes risk‑on when bond momentum (BND, 20d RSI) beats inverse‑stock momentum (SH, 60d RSI). Then it chooses Tech (XLK), Staples (XLP), or cash‑like Treasuries (SHV) using the S&P’s 200‑day trend and a Nasdaq oversold trigger.

It picks one fund at a time based on simple signals: - Compare momentum: 20‑day “up/down score” (RSI) of BND (bonds) vs 60‑day RSI of SH (inverse S&P). If bonds win → risk‑on; else → risk‑off. - Risk‑on: If SPY is above its 200‑day average, buy XLK (Tech). If not, but QQQ’s RSI(10)<30 (very oversold), still buy XLK; otherwise buy XLP (Staples). - Risk‑off: If QQQ RSI(10)<30, buy XLK; else hold SHV (short‑term Treasuries). RSI is a 0–100 gauge of recent up vs down moves (low<30=oversold). The 200‑day average is a long‑term trend line (above=uptrend). Tickers: XLK=Tech, XLP=Staples, SHV=short Treasuries, BND=Bonds, SH=inverse S&P, SPY=S&P 500, QQQ=Nasdaq‑100.

Out-of-sample edge: ~23.9% annualized return vs SPY’s ~21.4%, with lower drawdown (~18.37% vs ~18.76%) and Calmar ~1.30. A 100% in-one-ETF system that rotates Tech, Staples, or Treasuries for upside with controlled risk.