A daily on/off switch: if corporate bonds (LQD) show stronger short‑term price strength than stocks (SPY), own SPY; otherwise sit in T‑bills (BIL). Uses an RSI momentum gauge to judge market risk.

Each day, compare a short-term strength score (RSI: a 0–100 measure of recent price gains/losses). • If LQD (investment‑grade corporate bonds) has a higher RSI than SPY (US stocks), buy SPY. • Otherwise hold BIL (1–3‑month T‑bills). Exposure: SPY = broad US large‑caps; BIL = cash‑like. Recheck daily; trade only when the signal flips.

Out-of-sample Sharpe ≈1.05 vs SPY ≈0.92, lower drawdown (14.3% vs 18.8%), and similar returns with beta ≈0.68. A simple regime-switching rule that stays in SPY in good times and shifts to safety, delivering stronger risk-adjusted performance than the S&P 500.