A monthly, two-megacap stock strategy with a safety sleeve: select 4 tech megacaps by 135-day momentum and 4 defensive megacaps by 220-day momentum, split 50/50 between groups, equal-weight within each group, with a cash-like SGOV option triggered by a simple market condition.

How this strategy works in plain language: - You start with money you want to invest in U.S. stocks. - Every month, you decide whether to park some or all of your money in a very safe, short-term bond fund (SGOV) or to buy a specific set of eight megacap stocks. - If you’re investing in stocks, you divide the money into two equal parts: 1) Tech megacap group (4 stocks). 2) Non-cyclical megacap group (4 stocks). - In the Tech megacap group, you choose the four tech giants from a predefined list that have performed best recently, based on a momentum rule that looks at the last roughly 135 trading days. The candidates include names like Apple, Microsoft, Alphabet, Amazon, Nvidia, and others. - In the Non-Cyclical megacap group, you choose four more conservative, consumer/healthcare/defensive mega-caps based on a similar momentum rule but over a longer horizon (about 220 trading days). - Within each group, each of the four chosen stocks gets an equal slice of that half of your portfolio. - The two halves (Tech and Non-Cyclical) together make up the full portfolio, so you end up with eight stocks worth of exposure plus a cash-like sleeve when the market condition rule triggers SGOV instead of stocks. - You rebalance this every month, adjusting positions to the target weights and replacing the four picks with new top performers from the two groups as needed. - In practice, this design is meant to be simple to implement manually: you only need to identify the eight tickers each month, divide funds evenly within each group, and split funds 50/50 between the two groups, with a separate decision rule to hold SGOV when conditions favor safety. - The intended benefit is a balance between growth-oriented megacaps (tech leadership) and defensive megacaps (consumer staples, healthcare, financials, etc.), with a safety cushion and a straightforward monthly rhythm. The strategy otherwise avoids daily tinkering and aims for a transparent, rule-based approach.

Out-of-sample: ~255% annualized vs ~199% for the S&P, aided by a safety sleeve (SGOV) and two megacap momentum buckets. Simple monthly rules with built-in risk control and higher upside potential.