An index-fund replacement that flips between defensive (short long bonds + small XRP) when junk bonds weaken and growth (QQQ + ETH) when they strengthen, while keeping a steady diversifier mix in SPY/Bitcoin/inverse gold miners. Aims to cut drawdowns.

It watches a short-term “trend” gauge on JNK (a junk‑bond ETF). If JNK’s trend is weak, it goes defensive: mostly TBF (benefits when long-term rates rise) plus a small XRP slice. If strong, it goes growth: mostly QQQ (big tech) plus some ETH. Separately, a steady 30% stays in SPY, a bit of Bitcoin, and a tiny position that rises when gold‑miner stocks fall (DUST). Rebalanced daily.

Risk-managed, multi-asset strategy using a JNK momentum signal to switch between defense (TBF) and growth (QQQ/ETH), with crypto and a cash buffer. Out-of-sample risk-adjusted return is competitive and offers SPY diversification.