A monthly, regime-driven, single-asset momentum strategy. If SPY is above its 200-day moving average (bull market), pick the top performer from a list of familiar stocks and one bond ETF and invest 100% there. If SPY is below the 200-day MA (bear market), pick the top performer from a bond-focused list and invest 100% there. Rebalance monthly. The plan may replace MUB with BRK B in the bear regime, changing the risk-off universe.

Plain-language description of how the strategy operates: - Every month, check SPY’s price against its 200-day moving average (a long-term trend indicator). - If SPY is above its 200-day average (bullish regime, Risk ON): - Look at a list of familiar assets: AAPL (Apple), NVDA (NVIDIA), MSFT (Microsoft), SHY (short-term Treasury ETF), GOOGL (Alphabet), AMZN (Amazon), LMT (Lockheed Martin), XOM (ExxonMobil), COST (Costco), TMUS (T-Mobile). - For each asset, calculate its cumulative return over the last 63 days (roughly 9 weeks). - Pick the single asset with the highest 63-day return and allocate 100% of the portfolio to that one asset for the month. - If SPY is below its 200-day average (bearish regime, Risk OFF): - Look at a bond-focused list: TLT (long-term Treasury ETF), JNK (high-yield bond ETF), SHY (short-term Treasury ETF), MUB (muni bond ETF). - Rank these by 63-day cumulative return and pick the top asset, allocating 100% to it for the month. - Rebalance monthly, meaning you re-evaluate the regime and recalculate which asset is the top performer, then adjust the holding accordingly. - Note: The description mentions replacing MUB with BRK B in Risk OFF; this would replace the muni-bond sleeve with Berkshire Hathaway Class B stock, changing the risk characteristics of the bear-market leg. The basic logic remains the same, just with a different asset pool.

Out-of-sample, this regime-driven momentum strategy targets superior risk-adjusted returns: ~60% annualized vs ~15% for SPX, Sharpe ~1.88 vs ~0.87, and beta ~0.5. Monthly bets on top momentum assets offer higher upside with lower market exposure.