A weekly, rules-based, multi-asset strategy that sidesteps volatility spikes into T‑Bills, goes risk‑on when TIP trends up, and otherwise owns the strongest mix of big‑cap stocks, gold/dollar, commodities, and bonds via momentum-based selection.

Each week it follows 3 steps: 1) Panic check: If a volatility fund (VIXY) has been extremely “hot” over 10 days (RSI—a simple 0–100 hot/cold score—above 75), it parks in cash‑like T‑Bills (BIL). 2) If no panic: If inflation‑protected Treasuries (TIP) rose over ~3 months, it’s risk‑on. It buys the 3 strongest names from S&P/Nasdaq/Dow lists; in each list, cash (BIL), gold (GLD) or the U.S. dollar fund (USDU) can win a spot if they’re stronger than stocks. 3) If TIP hasn’t risen: it’s risk‑off and it buys the strongest commodity funds (broad baskets, metals, ag) and bond funds (Treasuries, aggregate, short‑term, some hedged). Rebalanced weekly.

Out-of-sample, this weekly multi-asset strategy delivers higher risk-adjusted returns: Sharpe ~2.0 vs SPY ~1.5, annualized return ~42% vs ~25%, and beta ~0.54—providing diversification and upside with regime-aware momentum.