Tactical, rules-based rotation. If semiconductors are washed out, buy the most beaten-down tech/growth index for about two‑thirds and keep the rest in cash. Otherwise, own growth stocks during S&P 500 uptrends and move to T‑bills when the market looks hot or weak.

1) If chip stocks (SMH) have fallen hard recently (its 10‑day “heat” score is very low), put about two‑thirds into whichever of these has dropped the most lately: VTI, ONEQ, XLK, SMH, or IVW. Leave the rest in cash. 2) Otherwise, use the S&P 500 (VOO) as a guide: if it looks very hot short‑term, sit in T‑bills (BIL). If it’s not hot and is in a long‑term uptrend, own growth stocks (VUG). If not in an uptrend, use BIL.

Near-SPY upside with a built-in risk shield. ~17%/yr potential, but with cash/T-bill ballast and defensives; OOS Sharpe ~0.75, Calmar ~0.87, drawdown ~19.7%. Diversifies core holdings while preserving market exposure.