A rules-based switch between QQQ (big tech) and a bond fund. Uses SPY moving averages to judge trend and RSI to spot oversold dips, aiming to ride tech uptrends and step aside in deeper selloffs. Checked daily; concentrated, not diversified.

Each day the rules pick one fund: - If U.S. stocks are in an uptrend (SPY’s 21‑day average is above its 210‑day), buy QQQ (a big‑tech Nasdaq‑100 fund). - If not, but QQQ looks “oversold” (RSI—how fast it has fallen—below 30), still buy QQQ. - Else, if SPY is above its 31‑day average, buy QQQ. - Otherwise hold VBF (an investment‑grade bond fund). Exposure: QQQ = large U.S. tech/growth; VBF = high‑quality bonds.

Out-of-sample, this strategy aims for big-tech upside with a rules-based risk shield, delivering ~40.8% annualized return vs SPY's ~32.5%, and a Calmar ~9.98—strong risk-adjusted growth despite a modestly higher drawdown.