A cautious, rules-based switch between SPY (stocks) and SHY (short‑term Treasuries). It moves to SHY when volatility is high and buys SPY only in calm periods when stocks look comparatively “cool.” Daily, 15‑rule ensemble; 1x exposure.

Each day 15 mini-rules vote for SPY (S&P 500 stocks) or SHY (1–3yr US Treasury bonds). If stocks’ recent daily swings are modest, a rule buys SPY only when stocks look cooler than bonds (RSI, a 0–100 “recent‑strength” score, is lower for SPY). If swings are large, it parks in SHY. The final mix is the average of all votes. In SPY you own all major U.S. sectors; in SHY you hold short‑term Treasuries. Rebalances daily. No leverage.

Out-of-sample, this 1x SPY/SHY strategy offers stronger risk-adjusted performance than the S&P 500: lower drawdowns (13.3% vs 18.8%), higher Sharpe (1.91 vs 1.37), and a steadier, more durable upside.