Is the worst over or is it still to come

[777]

Nearly two years and still waiting for the worst to come.
My question is I use ASB Securities and have money in my cash management account earning .5% waiting for the big crash that may never come.
I want to be able to quickly buy shares if there is a major fall or if I think markets have overreacted to some news on a company.
Is there any savings account or otherwise where I could park my money at a better rate but have it available at the drop of a hat. Term Deposits aren't much good as I want to have access to the funds quickly. Any ideas.

Direct Broking pay 2.8% on broking account and it is a PIE account.