A daily-rebalanced, bond-heavy mix using momentum and trend rules to tilt between TMF (long Treasuries), TMV (treasury hedges), and a defensive Bond Blend (TIP/HYG), aiming for stability with modest upside potential.

What this strategy does for you, in plain terms: - It splits money into three main ideas (modules) that decide what to own each day. - TMF Momentum bets on long-duration Treasuries when prices look like they’re in an uptrend and momentum is supportive, using simple rules like “is the near-term price above the longer-term average?” and “is momentum not too stretched?”; if yes, it tilts toward TMF. If not, it may park in safer choices or cash. - TMV Momentum does the opposite tilt, aiming to protect when Treasuries look weak by leaning into hedged/defensive options, with similar trend and momentum checks and some fallback to low-risk assets like USMV or BIL depending on signals. - Bond Blend is a defensive ballast: it looks at several bond-like assets and, from the weakest momentum signals, picks two to form a steady, inflation-conscious blend (typified by TIP and HYG in the given weights). - The plan rebalances every day, so it constantly updates the signals and reallocates to keep the mix in line with the latest signals. It also uses “cash” as a safe default when signals aren’t favorable. - In practice, the goal is to stay mostly in bonds to keep risk low, with small tactical tilts toward Treasuries or inflation-protected bonds, and only limited exposure to more growth-oriented assets when momentum looks favorable. Asset list highlights: TMF (long Treasuries), TMV (treasury hedged), BIL (short Treasuries), QAI (multi-strategy), USMV (low-volatility stocks), HYG (high-yield bonds), TIP (inflation-protected bonds), MUB (municipals), VTI (broad stock market proxy), GLD (gold), BNDX (international bonds), VNQ (real estate).

Out-of-sample Sharpe 1.56 vs 1.21, Calmar 2.55, max drawdown 7.65% vs 18.76%, beta ~0.21, OOS return ~19.48%. A bond-heavy, rules-based strategy delivering steadier gains and far better downside protection than the S&P 500.