Most brokerages are also not going to give you much for your cash. Excess cash in your brokerage should be put into a money market fund. For example, at Schwab you can [SWVXX](https://www.schwabassetmanagement.com/products/swvxx). The key point is many brokerages won't automatically sweep to this for you, so it requires you to do trades. Fidelity has better auto-sweep services. You can find good money market funds at [Yieldfinder](https://yieldfinder.app/money_markets).
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If you don't do this yourself, your brokerage will love your idle cash sitting around which they will use to invest and earn them, and not you, money. Every bank, brokerage, and fund wants to hold your money, pay you very little interest, and then go make money off of your money. Pay attention to the cash holdings of some mutual funds and ask questions.
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If you don't do this yourself, your brokerage will love your idle cash sitting around which they will use to invest and earn them, and not you, money. Every bank, brokerage, and fund wants to hold your money, pay you very little interest, and then go make money off of your money.
This brings me to the next point: you need to put capital to its best use.