A very simple, low-risk setup that puts 100% of your money into the SPDR BIL short-term government-debt ETF, with daily checks to stay in that one asset.

JustBIL is a strategy that holds 100% of its value in the SPDR Bloomberg 1-3 Month T-Bill ETF (BIL). BIL itself is designed to track the performance of very short-term U.S. Treasury bills (1–3 months to maturity). Rebalancing daily means the system checks the value of the position each trading day and adjusts the holdings to ensure the portfolio remains fully invested in BIL. Since there’s only one asset, rebalancing mainly ensures you stay on that single asset and don’t drift into cash or other investments by mistake. The portfolio’s behavior is essentially: if you have money, you buy BIL; if price moves, you still hold BIL to maintain a 100% allocation to BIL. You’re not taking bets on stock prices; you’re parking money in a very safe, government-backed instrument and earning whatever small interest the instrument provides.

Preserve capital with 100% BIL and daily rebalancing. Out-of-sample shows ultra-low drawdown and stellar risk-adjusted return (Calmar ~371), delivering ~4% annualized return with far less downside than the S&P 500.