A daily, risk‑on/risk‑off plan that toggles between leveraged tech (TQQQ) and T‑Bills (BIL). It buys hard into selloffs, backs off when markets look overheated, and otherwise dials exposure using an average of short‑ to long‑term momentum gauges.

It only trades two funds: TQQQ (3× Nasdaq‑100) and BIL (T‑Bills). Each day it checks if markets look very “cold” or very “hot” using a 0–100 “hot/cold” score (RSI) on major indexes/sectors. Very cold → 100% TQQQ; very hot → 100% BIL. Otherwise, it sets TQQQ at 0–100% by averaging that score for QQQ over 10, 21, 130, and 252 days—hotter → less TQQQ, colder → more. Rebalances daily.

Out-of-sample: ~25.5% annualized return vs SPY ~16%, with a Calmar ~5, using RSI-driven risk-on/off with TQQQ and BIL. Captures tech upside while preserving capital in hot markets.