A monthly, rules‑based “modern permanent portfolio” that leans into stocks when trends are strong, defends with bonds or low‑vol choices when weak, selectively owns commodities for inflation, keeps a steady income sleeve, and holds a small core of cash, gold, and bitcoin.

Each month the portfolio rechecks trends and rebalances. - If major stock indexes are trending up, it uses amplified stock funds; if not, it shifts to defensive substitutes (like low‑vol/anti‑beta or unlevered versions). - If Treasuries are trending up, it favors calmer bond mixes; otherwise it holds broad bonds. - Each commodity is held only when it’s recently beating Treasuries; otherwise that slot sits in Treasuries. - A steady income basket always stays invested. - A small core holds cash‑like T‑bills, gold, and a bitcoin‑futures fund.

Out-of-sample, this strategy beats the S&P 500 on risk-adjusted return and drawdown: Sharpe 1.66 vs 1.30, return 21.68% vs 20.64%, max drawdown 12.64% vs 18.76%, beta ~0.63—offering steadier gains with less downside.