A two-regime, momentum-based strategy that tilts between leveraged tech bets (2x or 3x) with a cash cushion when tech momentum looks favorable, and into bonds/cash when momentum is weak or turning. Uses XLK RSI signals, a small cash buffer (BIL), and a 5% rebalancing band to manage risk.

What the strategy tries to do, in plain language: - It watches the tech sector (XLK) to decide if tech stocks are in a strong up-move or a risk-off phase. If tech momentum looks attractive, it leans into a leveraged tech bet (either 2x or 3x) and keeps a cash cushion. If tech momentum looks extreme in the opposite direction, it pivots to the inverse leveraged tech bet to protect against a dive, again with some cash. - If tech momentum is not giving a clear buy or sell signal, the strategy shifts to a defensive posture by tilting into bonds and cash rather than equities. This is guided by bond momentum signals and longer-term price trends. - The system uses a fixed tolerance for rebalancing (about 5%) so it doesn’t churn every day, but it will adjust when weights drift beyond that threshold. - The overall aim is to catch bull runs in tech with a levered long exposure while reducing risk by switching into cash and bonds when momentum deteriorates. The approach relies on a handful of momentum checks (RSI over short windows for XLK and TMF, price relations to SPY, and a few moving-average checks for bonds) and applies a disciplined allocation to a small set of ETFs rather than a broad mix of stocks and funds. - Important caveats for a layperson: levered ETFs magnify both gains and losses and can underperform in choppy markets. The defined rules can produce whipsaws if market regime changes rapidly. This is a backtested, rule-based approach and results depend on execution and market regime persistence.

Two-regime momentum strategy that leverages tech rallies with a cash buffer and a bond tilt to diversify risk. Out-of-sample: ~13.7% annualized returns with a disciplined 5% rebalance, offering a distinct risk/return path versus the S&P 500.