A simple, defensive mix using golden‑ratio weights: ~38% cash, ~38% UnitedHealth (health insurance), ~24% Costco (warehouse retail), rebalanced daily. Cash aims to soften drops; two blue chips drive returns.

It keeps about 38% in cash and invests the rest in two big, steady companies: UnitedHealth (~38%) and Costco (~24%). The splits use “golden ratio” percentages (61.8/38.2). It rebalances every day to keep those weights steady. That’s it—no signals.

Defensive, rules-based sleeve with a 38% cash buffer and UNH/COST exposure. Daily rebalancing keeps risk steady (low beta ≈0.42) and seeks capital preservation, offering diversification and downside ballast to complement the S&P 500.