A daily, rules‑based switch that tilts toward tech/growth in calm uptrends, flips to Treasuries or cash when risk builds, and uses inverse/VIX funds as crash insurance. Signals rely on simple “speedometers,” trend lines, and recent returns. Uses some leveraged ETFs.

Each day it checks three things: (1) momentum “speedometers” (RSI) on stocks, bonds and the fear index (VIX); (2) long‑term trend lines (e.g., 200‑day average); and (3) short‑term swings. If trends look healthy and fear is low, it owns growth/tech funds (often leveraged) or a fund that benefits from calm markets. If fear rises or trends weaken, it shifts to long Treasuries or T‑bills. In sharp stress or overbought markets it adds “insurance” via inverse or VIX funds. A small sleeve applies similar checks to emerging markets.

Out-of-sample annualized return ~40%, Sharpe ~1.27, Calmar ~1.67. A tech-tilted, regime-switching strategy that hedges with Treasuries/volatility tools, delivering higher upside vs the S&P with disciplined risk controls (though drawdowns can occur in stress).