@lisek Bad idea. As I wrote elsewhere,
Stocks are high duration instruments. That means that they react positively to the expectation of lower interest rates.
Hence, holding cash on hand until rates have fallen means giving up on potentially large gains in the stock market.
All that for 4% annually lol. Would you do this if the rate was say 2.5%? If not, then you'd have to explain why that additional 1.5% matters that much to you.