Daily switcher. If the S&P 500 is above its 200‑day trend, it holds SPY or, in strong conditions, either 3× tech (TQQQ) or inverse small caps (RWM). If below that trend, it parks in T‑bills (BIL). One ETF at a time.

Every day, it makes one of four choices: 1) Big-picture safety check: If the S&P 500 (SPY) is trading above its long-term trend (its average price over ~200 days), stay “risk-on.” If not, park in short‑term Treasuries (BIL). 2) If risk-on, gauge how strong the market is using a momentum score (RSI) over ~60 days. If that score isn’t strong enough (60 or below), just hold SPY. 3) If the momentum score is strong (above 60), look at the Nasdaq-100 (QQQ) short‑term vs medium‑term trend. If the very short‑term trend is weaker than the medium‑term trend, buy a 3× version of QQQ (TQQQ) to “buy the dip” in tech. Otherwise, take a defensive, contrarian stance by buying an ETF that goes up when small caps go down (RWM). 4) Only one holding at a time; it can switch daily. Plain-English guides: - 200‑day average: a long-term trend line; above it often means an uptrend. - RSI: a 0–100 speed/strength score of recent price moves; higher means stronger recent gains. - Short vs medium‑term averages (EMAs): compares very recent price to a slightly longer recent average to see if price is “hot” or “cooling.”

Adaptive, regime-driven strategy trims risk in downturns (shifts to cash) and tactically leverages tech on rallies. Out-of-sample: ~9% annualized return, beta ~0.43, Sharpe ~0.62, Calmar ~0.34 — adds SPY diversification with a distinct risk/return profile.