A 50/50 mix: dividend stock ETFs plus a rules-based sleeve that shifts among leveraged tech, cash-like T‑bills, volatility, or Treasuries, with a final contrarian pick—using simple momentum and volatility signals.

Half goes to dividend stock ETFs (DGRO, SCHD, NOBL). Half is tactical, driven by RSI (a momentum score: <30 very weak, >80 very hot). If tech (XLK) very weak → TECL (3× tech). If volatility (VIXM) surges → BIL (T‑bills). If tech very hot → UVXY (VIX). Else if tech beats utilities (XLU) over 6 mo → TECL. Else if Treasuries (TLT) above trend → TMF (3×). Else buy the worst 5‑day performer of TMV, ERX, or TECS for a rebound.

Out-of-sample, this 50/50 strategy blends dividend stock stability with a disciplined tactical sleeve that shifts to safety or growth, delivering diversification and risk control across regimes—an attractive complement to the S&P 500.