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● Volatility Ahead

Here’s the English translation of the provided Korean text, with the requested changes:

Summarizing key issues such as market trends, investment timing for tech and biotech stocks, US consumer credit and loan issues, and the AI investment boom at a glance. The following is a chronological summary of recent market fluctuations.

[1. US Tech and Biotech Stock Investment Trends]

▶ Recently, US tech stocks—especially Tesla, Tempest AI, Recursion Pharmaceuticals, Paler, etc.—have experienced concerns about overvaluation and short-term corrections.
▶ Tesla shares are down 38-41% from their recent highs.
▶ Despite the correction, the AI cycle is still ongoing and is believed to be entering a long-term growth phase.
▶ Biotech-related ETFs (e.g., ARKG) are receiving significant attention through their major holdings, Tempest AI and Recursion Pharmaceuticals, but some companies have not yet reached the point of turning a profit.
▶ On the other hand, companies like Paler, which already have positive cash flow and have turned a profit, are attracting attention as buying opportunities during short-term corrections.

[2. AI Investment and Tech Stock Growth Prospects]

▶ Elon Musk and Tesla maintain growth momentum with AI-related products (autonomous driving, robots, etc.).
▶ Microsoft CEO Satya Nadella has expressed caution regarding increased AI investment costs and data center cost reductions, but large-scale investment expansion is inevitable.
▶ The rapid adoption and productivity improvement effects of AI technology are expected to appear even faster than in the PC or internet era.
▶ From the perspective of the global economy, AI investment, and tech stock growth, short-term corrections are expected to act as long-term opportunities.

[3. US Economy and Consumer Credit Situation]

▶ Recent US economic indicators show rising consumer credit and some increase in delinquency rates.
▶ However, the overall leverage ratio is lower than during the 2007-2008 crisis.
▶ Commercial bank delinquency rates (approximately 1.68%) and credit card delinquency rates (approximately 3.08%) are still within stable ranges, and increased consumer income and a low-leverage structure are expected to mitigate shocks.
▶ Therefore, while short-term fear is affecting the market, the underlying economic strength is considered solid.

[4. Investment Strategies and Implications]

▶ As the AI cycle and technological innovation are expected to continue even in short-term corrections, they should be utilized as buying opportunities for growth stocks from a long-term perspective.
▶ An advantageous strategy for growth stock investment is to focus on companies that have already turned a profit or are showing positive cash flow.
▶ In the case of the biotech sector, a diversified investment strategy, such as ETFs, is necessary due to the low success rate of individual companies.
▶ Considering that the US economy's fundamental strength and increased corporate investment (increased fixed capital formation) support it, short-term economic crises may only be excessive fear.

< Summary >
Recently, US tech and biotech stocks have been experiencing short-term corrections.
Despite the decline, major growth stocks such as Tesla have long-term appeal due to the AI cycle and technological innovation.
Biotech ETFs are preferred for diversified investment because individual companies have not yet turned a profit.
Despite rising US consumer credit and delinquency rates, the underlying economic strength remains solid.
Therefore, now is the right time to seek opportunities related to the global economy, investment strategies, tech stocks, AI investment, and the stock market from a long-term perspective.

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Below is a summary in HTML format optimized for SEO.

Global Economic Outlook and Tech Stock Investment Strategy Analysis

US tech and biotech stocks are in a short-term correction phase, but long-term growth opportunities remain valid.

Key Growth Stock Trends

Tesla, Tempest AI, Recursion Pharmaceuticals, Paler, etc. have shown significant volatility recently.

AI Investment Expansion and Productivity Improvement

Global AI investment and technological innovation are key variables in investment strategy, and the outlook for AI investment and tech stock growth is very bright.

US Economy and Consumer Credit Situation

Despite concerns about rising delinquency rates and credit card defaults, increased income and stable leverage of US consumers are expected to mitigate the shock.

Investment Strategies and Implications

Now is the time to take advantage of the short-term correction phase as a buying opportunity and invest primarily in tech stocks that have turned a profit and stocks related to global economic and investment strategies.

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AI Investment Strategy Analysis

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