A rules-based switch. If stocks trend up and volatility is calm, it loads into recent tech/AI winners and a small slice of leveraged Nasdaq. If conditions weaken, it shifts to the best defensive options (Treasuries, low‑vol/value/quality, utilities, or gold).

1) Is the market trending up? It checks if the S&P 500 fund (SPY) is above its 200- and 100-day average prices. If not, it holds the best 2 defensive funds (Treasuries, cash-like T‑bills, low‑vol stocks, quality, utilities, or gold). 2) Is volatility calm? It looks at a fund tied to the VIX “fear” index (VIXY). If fear is rising, it owns the best 3 defensives. If fear is calm, continue. 3) Is big tech leading? If the Nasdaq‑100 fund (QQQ) is rising, it buys the top 5 recent winners from a tech/AI list (AAPL, MSFT, NVDA, AMD, etc.). If small caps (IWM) are also strong, it adds a small slice of leveraged Nasdaq (TQQQ) — 10–20% depending on volatility. If small caps lag, it keeps 70% in those tech winners and puts 30% into leaders from healthcare, energy, and industrials (based on ~3‑month performance). When any of those checks fail, it rotates to 2–3 defensives that have done best over the last month. Rebalances when signals change or weights drift, not on a set schedule.

Out-of-sample, this strategy shows vastly higher annualized returns than SPY, driven by agile risk-on/risk-off rules that favor tech leaders in uptrends and defensives in downturns—delivering big upside with downside protection.