Switches between a defensive fund (BTAL) and Nasdaq exposure (QQQ/TQQQ). Uses a crash tripwire and a 60‑day bonds‑vs‑T‑bills signal to decide. One holding at a time; rebalanced daily.

Daily check: 1) If SH (an ETF that rises when the S&P 500 falls) jumped >5% in 10 days, hold BTAL (a defensive, market‑neutral fund). 2) Otherwise, if BND (broad bonds) beat BIL (T‑bills) over 60 days, buy QQQ (Nasdaq‑100) or TQQQ (3× QQQ)—whichever has the stronger 20‑day trend. 3) Else, hold BTAL. One fund at a time; rebalanced daily.

Dynamic, rules-based strategy that switches to BTAL on crashes and to Nasdaq exposure when signals favor growth, offering diversification and a beta near 0.93 vs SPY. OOS: ~20% annualized return, but larger drawdowns (~44%).