A daily, cash-first ETF allocator that uses momentum and trend rules to rotate among BTAL (hedged), BIL (cash), JEPQ/JEPI (income), SPY/XLK (growth/tech), and optional leveraged/inverse plays, exiting to safety when conditions deteriorate.

Simplified explanation for a layperson: - The plan starts with all cash and then decides what to own based on a series of rules. - It looks at several ETFs (funds that hold baskets of stocks). The main candidates are: - BTAL: a fund designed to be less affected by overall market moves (a hedge). - BIL: a cash-like fund that holds very short-term U.S. Treasury bills. - JEPQ: an income-focused equity fund that pays you regular income. - SPY: a fund that tracks the broad U.S. stock market (the S&P 500). - XLK: a fund that focuses on technology stocks. - JEPI: another income-focused equity fund. - The choice of what to own depends on simple rules that compare momentum and price trends: - Momentum checks look at how strong recent price moves are. When momentum is extremely strong (high RSI values like 79–80), the rule may push money toward or away from a candidate. - Trend checks compare the asset’s current price to its long-term trend (200-day moving average). If the current price is above the long-term trend, the system may take on more risk; if below, it stays safer. - The process is nested and sequential: it tests one rule, and if that rule passes, money flows to the next asset in line; if not, it tests the next condition or moves to cash. - Because it rebalances daily, the mix can shift every day as conditions change. - In plain terms, the strategy tries to ride the market when conditions look favorable (using momentum and trend signals) and move toward safer options (cash or hedged funds) when conditions look unfavorable. - The plan also includes some leverage/short ideas (like TQQQ, SPXL, SQQQ) as potential moves under certain conditions, but these are typically used cautiously and under specific rule triggers. - RSI is a momentum gauge: high values imply overbought conditions (potential pullback) and low values imply oversold conditions (potential bounce). Moving-average checks help identify whether the market trend is up or down over the long run. - In short: a layered, rule-based rotation among hedged, cash-like, income, and equity exposures, aimed at capturing upside while trying to limit downside with daily checks.

Out-of-sample edge: ~28.7% annualized vs 21.5% (S&P), Sharpe ~1.53 vs 1.29, Calmar ~2.05, max drawdown ~14% vs ~18.8%, beta ~0.74. Growth with capital protection and superior risk-adjusted upside.