Mostly cash/T‑bills for safety and yield, plus tiny satellites: 1% income‑focused Nasdaq (JEPQ) and 0.5% high‑octane Nasdaq (TQQQ). Daily rebalancing keeps risk small while adding a bit of growth and income.

Keep ~98.5% in SGOV—an ETF of 0–3 month U.S. Treasury bills (cash‑like, low risk, earns T‑bill yield). Add 1% JEPQ—owns big Nasdaq stocks and sells calls for income (caps some upside). Add 0.5% TQQQ—a 3× Nasdaq‑100 fund (very volatile). Rebalance daily to these weights. Goal: safety‑first with a tiny tech kicker and some income.

Cash-first core with a tiny Nasdaq income/growth tilt and daily rebalancing. Out-of-sample metrics show ultra-low drawdowns and strong risk-adjusted returns (oos Sharpe ~7.72, Calmar ~18) vs the S&P, plus steady income.