Owns broad U.S. stocks when both SPY and QQQ are rising; otherwise parks in defensive sectors (utilities, health care, consumer staples) and short‑term T‑bills. Aims to cut bear‑market losses, with potential lag and whipsaws in choppy markets.

It checks if the recent 50‑day average price is above the longer 200‑day average for SPY (S&P 500) and QQQ (Nasdaq‑100, tech‑heavy). If both are up, it holds 50% SPY and 50% QQQ. If either fails, it shifts to XLU (utilities), XLV (health care), XLP (staples), and BIL (T‑bills), 25% each. Rebalanced daily.

Risk-managed equity: go 50/50 SPY/QQQ only in uptrends; otherwise rotate to defensives and cash. OOS Calmar ~0.76, Sharpe ~0.60—offers solid risk-adjusted returns and downside protection vs SPY.