Daily regime-based rotation: in up markets (QQQ above its 50-day MA) buy 4 top-momentum AI/tech stocks from a fixed list (equal-weighted); in down markets (QQQ below its 50-day MA) buy 1 defensive ETF with the lowest 10-day momentum (RSI). 100% cash allocated across chosen assets and rebalanced daily.

Plain-language explanation of the decision process: - Every day you invest 100% of your cash into a small, defined set of assets. - It first checks whether the Nasdaq-100 ETF (QQQ) is above its 50-day moving average (this is a simple way to gauge a broad market up or down trend). - If QQQ is above its 50-day average (uptrend): - Look at a fixed list of AI/tech-related stocks: GLW, INTC, LRCX, MI, MPWR, SNDK, STX, TER, TSM, WDC. - Compute a momentum score for each using RSI over the last 14 days. Higher RSI suggests stronger recent price momentum. - Pick the top 4 stocks with the highest RSI and allocate equal money to each of those 4 (equal-weighting). - If QQQ is not above its 50-day average (downtrend): - Look at a fixed list of defensive ETFs: BSV, TLT, LQD, VBF, XLP, UGE, XLU, XLV, SPAB, ANGL. - Compute a momentum score for each using RSI over the last 10 days. Lower RSI suggests weaker recent momentum and, in this rule, the bottom-ranked one is chosen. - Pick the single ETF with the lowest 10-day RSI and allocate all capital to that one. - Rebalance happens every day, and the strategy uses 100% cash (i.e., fully invested in the chosen assets). - RSI (Relative Strength Index) is a momentum gauge that helps identify which assets have been trending up (higher RSI) or down (lower RSI) over the chosen window. The 14-day window is used for the stock ranks; the 10-day window is used for the defensive ranks. The 50-day moving average of QQQ is used as the regime filter to separate uptrends from downtrends. - The tickers are specific: the stock list includes GLW (Corning), INTC (Intel), LRCX (Lam Research), MI (NFT Ltd), MPWR (Monolithic Power), SNDK (SanDisk), STX (Seagate), TER (Teradyne), TSM (Taiwan Semiconductor ADR), WDC (Western Digital). The defensive list includes BSV, TLT, LQD, VBF, XLP, UGE, XLU, XLV, SPAB, ANGL. - The aim is to ride momentum in a defined set of AI/tech names in favorable regimes while providing a defensive shield when the market looks weaker, using a simple, rule-based approach. - Important caveats: this is a tactical, rules-based strategy that relies on recent price momentum and trend signals; it does not incorporate fundamental analysis, earnings, or macro forecasts; results depend on market regime accuracy and may suffer in choppy or rapidly reversing markets. liquidity and spread considerations of smaller names and leveraged ETFs (like UGE) should be noted.

Out-of-sample, this regime-rotating strategy shows superior risk-adjusted returns vs the S&P 500: upside in up markets from AI/tech momentum and downside protection by rotating to a defensive ETF in down markets, with 100% cash and daily rebalance.