A diversified 60/30/10 core with a tech‑tilted U.S. stock sleeve. A rule engine watches trend, momentum, and volatility to add VIX hedges, shift to defensive funds, or use selective leverage—aiming to ride uptrends and cushion selloffs.

Core: 60% stocks, 30% Treasuries, 10% commodities/real assets. The stock sleeve is U.S. sectors with a tech tilt plus some overseas stocks. The rules watch trend (200‑day), “hot/cold” momentum (RSI), and volatility (VIX). When markets run hot, it adds crash insurance (VIX funds) or low‑risk stocks; when weak/oversold, it buys selectively (sometimes with leverage) or hedges/shorts. Hedges scale in/out.

Out-of-sample edge: stronger risk-adjusted returns and far smaller drawdowns vs the S&P 500. Sharpe ~1.13 vs ~1.00; Calmar ~1.26; max drawdown ~10.6% vs ~18.8%, aided by active trend, momentum and volatility hedging.