Thanks to the Federal Reserve's aggressive interest rate increases in 2022, the stock market tanked that year. However, last year brought with it a new sense of hope as the S&P 500 soared 24%.

Growth tech businesses were some of the best-performing in the market. Just look at Upstart (NASDAQ: UPST), whose shares more than tripled in 2023.

This fintech stock benefited from strong market sentiment. But before you jump in and buy shares, you need to understand a major risk factor.

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Source Fool.com