Rule-based, dividend-focused portfolio for banks/insurers. Combines broad equities, dividend sleeves, and bond ballast with tactical bets using RSI, volatility, and returns signals. Cash-weighted evenly within groups; limited rebalancing. Aims for income with risk control, using levered tech bets and hedges as conditions permit.

- The program splits your money into groups and sub-groups (for example, a group called 'Business Equities + Bonds' and another for 'Investment Bets + Cash on Hand'). Within each group, money is allocated roughly evenly among the assets in that group. - It uses simple market signals to decide what to own next. A key signal checks whether a popular tech-related ETF that doubles the NASDAQ exposure (QLD) looks oversold (its price momentum is weak). If the signal says it’s oversold (RSI under 28 on a 10-day window), the plan shifts more cash into QLD, betting on a rebound. - If signals indicate more defensive conditions (for example, volatility rising or returns turning negative), the strategy shifts toward safer assets like mid- or long-term Treasuries (IEF, TLT), cash, or USD exposure (USDU). - There are occasional hedges against tech declines (PSQ, which is designed to move opposite to QQQ). There are also bets that compare long-term bond exposure against equity exposure (TLT vs. PSQ or other groups). - The plan uses several optional pathways (e.g., Dips, Bets, BSC logic) that trigger based on different combinations of signals (like cumulative returns or volatility thresholds). Each pathway involves moving money among assets that fit the intended role (growth, income/dividends, safety). - The overall aim is to blend dividend-focused income with a safety net (bonds, USD exposure) and selective tactical bets on tech when conditions look favorable, all within a framework that keeps cash balances evenly distributed and minimizes frequent rebalancing. - Rebalancing happens infrequently (no automatic regular rebalance), with a small corridor that tolerates minor drift before adjustments would occur. - In simple terms: the system tries to make money by (1) collecting dividends from steady holdings, (2) occasionally betting on tech rebounds when prices look stretched to the upside or downside, and (3) generally protecting the portfolio with bonds and USD exposure when markets look risky. If you’d like, I can simplify the explanation further into a one-page summary or convert it into a plain-English decision guide that you could hand to a financial advisor.

Rule-based dividend strategy with bonds and hedges. Lower downside (~12% drawdown vs ~19% for SPY), modest beta, and solid risk-adjusted gains (Calmar ~1.56, Sharpe ~1.43) plus income—better risk control than the S&P 500.