Daily trend-and-momentum switch. Keeps most cash-like in T‑bills and swings a smaller sleeve: leveraged tech in uptrends, Treasuries when weak, and inverse/volatility funds in bear markets. Very aggressive when risk-on; defensive otherwise.

Each day it checks if the market is trending up using simple price averages (is the S&P 500 above its long-term average?). If yes, a small “active” sleeve buys turbo‑charged tech funds (like 3x QQQ/tech/semis) and a fund that benefits when fear falls. If not, it parks that sleeve in Treasuries—or, in deeper downturns, rotates into inverse tech funds and sometimes a volatility fund. An “oversold” reading (a short‑term momentum gauge) can trigger bounce buys. The rest of the portfolio stays in T‑bills for stability.

Out-of-sample annualized return ~59% vs SPY ~23%; Calmar ~1.32 vs ~1.23; max drawdown ~45% vs ~19%. A 70% cash/T-bill core with a levered tech sleeve targets big upside in uptrends while hedging bear markets.