A daily, all‑in switch: stay in SPY by default; if select bond closed‑end funds show very high RSI (overheated), shift to a 3‑fund “safety” basket (IQI, JHI, SPE). Goal: trim big stock drawdowns using simple overbought warnings.

Each day it’s in SPY (the S&P 500) unless a set of bond income funds (SABA, FCO, PPT, FAX, MGF) look “too hot.” It checks RSI—a 0–100 gauge of how fast prices rose recently; very high = overheated. If any are too high, it moves equally into 3 steadier funds: IQI (muni bonds), JHI (bond fund), SPE (special situations). Then it switches back when the heat cools.

Out-of-sample edge: higher risk-adjusted returns with a defensive RSI-based switch. Sharpe 3.70 vs SPY 3.51, Calmar 15.66, beta ~0.86, and similar max drawdown—offering equity upside with significantly lower market risk.