A three‑signal, risk‑on/risk‑off rotation. In good conditions it buys recent winners in Tech, Healthcare, and Consumer. If conditions weaken, it shifts to the best commodities, bonds, and sturdier sectors—and can park in T‑Bills when markets look overheated.

It runs three market “weather checks”: 1) bonds vs cash (BND vs BIL), 2) Treasuries vs a bear S&P fund (IEF vs SH), 3) inflation‑protected bonds (TIP). If healthy, it goes Risk‑On: pick the two strongest of Tech, Healthcare, and Consumer and buy 4 recent winners in each. If markets look overheated (RSI, a 0–100 momentum/overheat gauge, spikes on VIXY/SPY/QQQ), it parks in T‑Bills (BIL). If Risk‑Off, it splits across: top 2 commodity funds, top 3 bond funds, and the two best defensive sectors, blending steadier low‑drawdown stocks with top performers. Equal‑weighted; rebalances when signals change.

Straight talk: This regime-switching strategy aims to diversify and dampen losses by rotating between growth, commodities, and bonds. However out-of-sample results show negative returns and larger drawdowns versus the S&P—best suited as a hedging overlay, not core exposure.