1. Short-term bond ETFs: Allocate core defensive positions
- Choose ultra-short-term products such as $iShares 0-3 Month Treasury Bond ETF(SGOV)$ and $SPDR Bloomberg Barclays 1-3 Month T-Bill ETF(BIL)$ to avoid interest rate sensitivity risks.
- Allocate 10-20% of stock positions to these ETFs as a transition strategy during market panic.

2. Inverse ETFs: Strictly limit them to tactical tools
- Only use them during clear downward trends (such as when the VIX index breaks through 30 and continues to rise).
- Set a 5-8% hard stop-loss point to avoid leverage losses swallowing up principal.
$Nasdaq100 Bear 3X ETF(SQQQ)$

3. Dynamic balance: Adjust based on macroeconomic signals
- Monitor the US 2-year and 10-year treasury yield spread: If the inversion deepens, increase short-term bond allocations.
- Observe the fear/greed index: When the market is extremely fearful, do not hold inverse ETFs for more than 5 trading days.