A market-timing strategy: hide in short-term Treasuries when stocks look overheated, buy leveraged tech after sharp selloffs, and otherwise hold an equal mix of mostly steady blue-chip dividend stocks.

This strategy watches SPY, a fund that tracks the S&P 500, as a quick read on the overall U.S. stock market. If the market looks too hot after a fast run-up, it moves into SHY, a very short-term U.S. Treasury bond fund, to play defense. If the market looks badly beaten down, it jumps into TECL, a fund that makes a big leveraged bet on a rebound in technology stocks. Otherwise, it spreads money evenly across 8 large companies, mostly steady dividend-paying names like Walmart, McDonald’s, Procter & Gamble, Johnson & Johnson, and Pfizer, plus Tesla.

Out-of-sample return 29.4% vs 20.9% for SPY, drawdown 10.7% vs 18.8%, Calmar 2.74, backed by 1,282 days. A regime-switching strategy: defend in hot markets, then ride leveraged tech rebounds for stronger, smarter upside.