A defensive, rules‑based mix that hedges when tech looks overheated, turns cautious in downtrends or sharp selloffs, and otherwise holds dividend stocks, Treasuries, and gold. Uses VIX funds briefly as crash protection; equal‑weights within each basket.

If QQQ’s 10‑day RSI (an overbought gauge) >80 → buy UVXY (fast VIX hedge). If 75–80 → buy VIXM (slower VIX). Else check SPY vs 200‑day avg: Below → equal BTAL (anti‑beta L/S), XLP (staples), IEF (7–10y Treas), SCHD (dividends), GLD (gold), VIXM. Above but 10‑day max drop >5% → equal BTAL, IEF, GLD, VIXY (short‑term VIX). Else → equal SHY (1–3y Treas), SCHD, GLD. Rebalance only if weights drift ~10%.

Defensive, rules-based multi-asset strategy with VIX hedges, anti-beta exposure, and quality assets. It delivers lower drawdown (16.4% vs 18.8%), steadier risk-adjusted returns, and tail-risk protection vs the S&P 500 (out-of-sample).