A market-timing strategy that usually waits in short-term Treasuries, buys aggressive tech after short-term pullbacks, and turns defensive when stocks look overheated or the market trend is weak.

This strategy checks the market every day and puts all the money in just one place at a time. If the overall US stock market is in a healthy long-term uptrend, it buys TECL, a very aggressive fund that magnifies moves in big tech, but only after tech has recently fallen enough to look temporarily beaten down. If stocks instead look too overheated, it moves to TLT, a fund holding long-term US government bonds. If neither condition appears, it waits in SHV, a very low-risk short-term Treasury fund. When the broad market is weaker, it becomes stricter and only buys tech after an even bigger drop; otherwise it stays in SHV.

Strong upside: oos return ~27.4% vs SPY ~17%, via timely tech bets and bond hedges. Caveat: deeper drawdowns (~41% vs ~19%), so disciplined risk management is essential.