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Your title makes it sound like you think the S&P is going to get a lot higher. This is because you mention growth, then use a tip of the iceberg analogy, which suggests that the rest of the iceberg is more growth. If you wanted to suggest a crash, you should have used a different analogy.
"Tip of the iceberg" means there is more lying in wait under the surface that can sink your ship. Sailors give icebergs a wide berth for this reason.
The point of the saying is that there is more danger than just what's immediately visible.