A rules-based, low-trading portfolio that flips to defense when fear spikes. In normal times it blends core stocks, top sectors, value, and trend-following commodities with hedges like gold, the US dollar, and managed futures to limit big drawdowns.

Step 1: Is fear spiking? If a “fear index” runs hot, the plan switches to crash mode. - If stocks are still in an uptrend, it buys one boosted index fund (2x S&P 500 or 2x Nasdaq), whichever just fell more. - If not, it parks in safe assets (T‑bills/short bonds, strong USD, gold/silver). Step 2: Otherwise, it spreads out: 15% core stocks+bonds (NTSX), 25% diversifiers (gold, USD, managed futures, silver) sized by stability, 25% in the 2 best-performing sectors, 15% in large-cap value funds, and 20% in commodities that are trending up (or cash if not). Few trades; rebalance only when weights drift a lot.

Crash-aware, multi-asset strategy delivers a steadier ride: out-of-sample drawdown 13.7% vs 18.8% for the S&P, lower beta, and diversified hedges, aiming for more predictable, risk-controlled returns and resilience in stressed markets.