Monthly, it checks the market. Big drop? Move to short‑term Treasuries. If trend is up, put 75% into the 4 strongest recent winners from a blue‑chip stock list (25% cash). If trend is weak, hold the 3 strongest among utilities, bonds, metals/mining, or oil & gas.

Every month the strategy runs a quick checklist using SPY (a fund that tracks the S&P 500): 1) Crash guard: If SPY fell more than 4% over the last ~30 days, it parks everything in SCHO (short‑term U.S. Treasuries) for safety. 2) If not, it checks trend: compare a short-term average price (about 15 days) to a longer one (about 60 days). If the short-term is higher, the market is in an uptrend. 3a) In an uptrend: put 75% into the 4 stocks that performed best over the last ~35 days from a well‑known list (e.g., Apple, Microsoft, Nvidia, Amazon, Alphabet/Google, Meta, Visa, Mastercard, Berkshire, etc.). The other 25% stays as cash. 3b) Not an uptrend: rotate into the 3 strongest (equal weight) of these ETFs: XLU (utilities), XLC (communications), SCHZ (core U.S. bonds), XME (metals & mining), XOP (oil & gas). Rebalances monthly.

Out-of-sample: Sharpe 3.59 vs SPY 2.58; ~63% annualized return vs 15%; beta ~0.71; Calmar ~44. Crash-guard to Treasuries plus monthly trend/momentum rotations deliver higher risk-adjusted upside vs the S&P 500.