A market-timing strategy that follows strong trends in good markets, but switches to volatility funds or oversold defensive picks when conditions look dangerous.

This strategy first checks whether the market is in a healthy uptrend by looking at QQQ, a fund that tracks big tech and growth companies. If QQQ is above its long-term trend line, the strategy is in offense mode. It then checks for signs of panic or a market that has gotten too hot too fast. If fear is already high, it buys VIXM, a fund tied to market volatility. If tech or the broad market has surged too quickly, it buys UVXY, another volatility fund that tends to jump when markets get shaky. If none of those warning signs appear, it buys the 10 strongest investments from a watchlist of large companies and aggressive stock-market funds, with a big tilt toward technology. “Strongest” is measured using RSI, which is simply a score showing which prices have been rising the fastest lately. If QQQ is below its long-term trend line, the strategy turns cautious. Instead of chasing strength, it looks for the 2 most beaten-down choices from a smaller list that includes some stocks, some tech funds, and some bond funds. In that defensive mode, it also leaves more money in cash.

Dynamic, regime-switching momentum strategy: ride strong trends, hedge fear with volatility tools, and switch to defensive bets when risk rises. Out-of-sample return ~20.3% vs S&P ~21.4%; with tactical flexibility for diversification and growth.