Once a month it picks the strongest US stock, foreign stock, bond, and commodity/real‑estate fund by ~6‑month performance; each gets ~25%. A simple global momentum portfolio (note: bond sleeve can use TMF, a 3× Treasury ETF).

Monthly, split equally into 4 buckets: US stocks, foreign stocks, bonds, and commodities/real estate. In each bucket, hold the single fund with the best ~6‑month return. Re‑run monthly and switch if leaders change. US: SPY, QQQ, USMV (low‑vol), VBR (sm‑cap value), VBK (sm‑cap growth). Foreign: VEA, VWO, EWJ, MCHI. Bonds: IEI/IEF/TLT (US Treasuries), TIP (inflation‑linked), TMF (3× Treasuries). Commodities/RE: GLD (gold), GNR (resource stocks), GSG (commodities), VNQ (real estate).

Four-sleeve momentum strategy with lower beta and smaller drawdowns (out-of-sample max drawdown ~17.4% vs SPY ~22.1%), diversified across stocks, bonds and commodities. It captures persistent trends for steadier, downside-conscious growth versus the S&P 500.