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September 29, 2025 – AI is deemed by many to be the biggest economic game changer since the invention of the airplane. Maybe so, but PCs, the Internet and the iPhone didn’t move the productivity needle in any discernable way over the past 50 years. No doubt, AI will make us smarter, and some of us more economically productive. But before labeling the next decade as the golden age of productivity, we need to see some evidence of noticeable change. Universal adaptation of AI as a core business process is likely to be expensive and more time consuming than optimists suggest. In the meantime, our economy will continue to grow the old-fashioned way at the old-fashioned pace. That’s not so bad.

//  by Tower Bridge Advisors

If you look at a graph of productivity for the last 45 years, it would look like a zig-zag sideways pattern ranging between zero and 5% with few exceptions, most relating to brief spikes at the end of recessions when output rises faster than employment for obvious reasons. The PC came on the scene in the early 1980s growing in importance for most of the next two decades. One might think of the PC as the ultimate engine of productivity improvement. But it wasn’t. Neither was the advent of the Internet in the mid-1990s. Robots replaced workers in manufacturing plants but the output per man hour didn’t change significantly. Now we enter the AI era. A computer will replace the order taker soon. Call centers will be manned by non-humans as well. There is no doubt that technology displaces workers. But does it make workers more productive? One would think so.

Look at retailing. Zombie malls reflect hundreds of store closings as we all enjoy the convenience of shopping from our living rooms. Store salespeople and check-out clerks are displaced. But drive down the highway and look at all the distribution centers replacing those zombie malls. 1,000 yellow cabs in New York have been replaced by 5,000 Uber drivers. Look at the masses of Amazon and UPS trucks delivering to you what you would otherwise buy in the store. Don’t mistake convenience with enhanced productivity.

Don’t misunderstand me. What I am trying to say, is for all the decades of promises I have listened to in this economic world we live in, I try to look at the reality, not the hype. There is no doubt AI will change the way we live just as PCs, streaming, smartphones, and robotics have done in the past. But do we produce more today? Can we attribute the economic revenue we produce directly to the technological tools at our disposal? My accountant could produce more tax returns because the computer helps to enter data more easily. But the gross number of returns produced in this country relates to population, not technology. And if TurboTax allows more of us to do our own returns, what then?

Technology displaces workers. To the extent the remaining workers can produce more with less, it enhances productivity. That broadens the pie and allows economic growth. But what happens to the displaced workers? If they become Uber drivers or Amazon delivery people, is there as big a change in overall productivity as one expects?

Last week, Doug McMillon, CEO of Wal-Mart said prophetically that in 5 years, when Wal-Mart is roughly a third bigger than it is today, it will have the same sized work force that it has today. Wal-Mart will be more productive. McDonald’s can probably make the same statement. Others, not so well managed, will still be able to use AI features to increase productivity. But that doesn’t mean national productivity will increase at the same pace. Granted, companies that don’t keep pace will be left behind. Look at the Zombie malls I mentioned earlier. Right now, most of our Mag 7 companies are spending hundreds of billions of dollars on chips, data centers, power plants, etc. to be able to help companies become more productive. To date, the revenues produced don’t equal the cost. Over time, I suspect they will. Without getting too technical, the chips designed for the PC revolution, microprocessors that worked serially in computation, are being replaced by GPUs (graphical processing units) that by working in parallel are much more powerful. This transformation is still in the early stages. Undoubtedly, I will get information faster. It may make me smarter, but will it increase national productivity?

Industrial revolutions in the past improved productivity. Cars, then trucks moved goods faster. The telephone replaced the telegraph. Planes allow movement of people and goods with much greater efficiency. Won’t AI do the same? The jury is still out. Look at social networking. We almost all do it. It changes the way we communicate (not always for the best). But does it move the productivity needle? It certainly has created lots of jobs for Facebook, TikTok, and X. But I doubt whether the billions spent has done much to increase production per man hour. Some AI dollars will enhance productivity. Some will be misdirected. Harmful uses may subtract from productivity gains.

Why all this discussion? Because one measure of GDP growth is population growth time productivity improvement. We know population growth is going in the wrong direction. Births are down, death rates are rising, ex the impact of Covid, largely due to aging, not only in the US but also around the world. Immigration has dropped sharply. Population shifts just in the last two years, have knocked about 0.3-0.4 percentage points off of GDP. That doesn’t sound like a lot but if the national goal is to take normalized growth from 2-3% to 4-5%, it will require a massive and sustained boost in productivity. That may or may not happen. But the average gain for 2025 to date is 1.2%. If AI is the productivity kicker of the future, its impact hasn’t been felt yet. Also worth remembering that while those closest to AI and its improvements will see productivity improvement in the coming years, productivity includes those Uber drivers, construction laborers, housekeepers and small business operators.

None of this suggests we aren’t growing. Population is still rising and productivity gains remain within the range of the last 50 years. There is no reason to expect growth to stop or even slow although lower immigration and tariffs might be a temporary headwind. Maybe AI will live up to its hype and expand productivity in ways not seen for more than a century. But let’s not get too excited by the hype until we see some signs that technology is making the kind of impact the invention of trains, planes and automobiles made more than a century ago.

Today, Kevin Durant is 37. Andrew Dice Clay turns 68.

James M. Meyer, CFA 610-260-2220

Tower Bridge Advisors manages over $1.3 Billion for individuals, families and select institutions with $1 Million or more of investable assets. We build portfolios of individual securities customized for each client's specific goals and objectives. Contact Nick Filippo (610-260-2222, nfilippo@towerbridgeadvisors.com) to learn more or to set up a complimentary portfolio review.

# – This security is owned by the author of this report or accounts under his management at Tower Bridge Advisors.

Additional information on companies in this report is available on request. This report is not a complete analysis of every material fact representing company, industry or security mentioned herein. This firm or its officers, stockholders, employees and clients, in the normal course of business, may have or acquire a position including options, if any, in the securities mentioned. This communication shall not be deemed to constitute an offer, or solicitation on our part with respect to the sale or purchase of any securities. The information above has been obtained from sources believed reliable, but is not necessarily complete and is not guaranteed. This report is prepared for general information only. It does not have regard to the specific investment objectives, financial situation or the particular needs of any specific person who may receive this report. Investors should seek financial advice regarding the appropriateness of investing in any securities or investment strategies discussed in this report and should understand that statements regarding future prospects may not be realized. Opinions are subject to change without notice.

Filed Under: Market Commentary

Previous Post: « September 25, 2025 – Fed Chairman Powell noted this week that while equity prices are “fairly highly valued,” this is not a time of elevated financial stability risks. While the U.S. accounts for the majority of the largest companies in the world, our trading partners are also dealing with tariff impacts, inflation, economic growth and interest rate policy setting. The escalators at the United Nations may be glitching, but the U.S. economy, corporate earnings and equity markets around the world have continued to trend higher with a few bumps along the way.

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  • September 29, 2025 – AI is deemed by many to be the biggest economic game changer since the invention of the airplane. Maybe so, but PCs, the Internet and the iPhone didn’t move the productivity needle in any discernable way over the past 50 years. No doubt, AI will make us smarter, and some of us more economically productive. But before labeling the next decade as the golden age of productivity, we need to see some evidence of noticeable change. Universal adaptation of AI as a core business process is likely to be expensive and more time consuming than optimists suggest. In the meantime, our economy will continue to grow the old-fashioned way at the old-fashioned pace. That’s not so bad.
  • September 25, 2025 – Fed Chairman Powell noted this week that while equity prices are “fairly highly valued,” this is not a time of elevated financial stability risks. While the U.S. accounts for the majority of the largest companies in the world, our trading partners are also dealing with tariff impacts, inflation, economic growth and interest rate policy setting. The escalators at the United Nations may be glitching, but the U.S. economy, corporate earnings and equity markets around the world have continued to trend higher with a few bumps along the way.
  • September 22, 2025 – The Fed cut rates last week as it focuses more on the deteriorating state of our labor market. The unemployment rate remains modest but only because demand and supply are eroding in tandem, hardly a favorable state of affairs. While the concentration was on labor, more aggressive fiscal and monetary policy could increase inflationary pressures. Thus while President Trump’s new appointee opted for over a one percentage point drop in the Fed Funds rate by year end, the rest of the Board voted to move at a more measured pace. Wall Street applauded that decision.
  • September 18, 2025 – The Federal Reserve cut interest rates by a quarter-point, prioritizing the labor market over persistent inflation. This decision risks a prolonged period of higher inflation and may be fueling a stock market bubble, which is already at a record valuation.
  • September 15, 2025 – So far, investors have been happy with most of the disruptive changes of the Trump Presidency. But the fly in the ointment is the labor market which has shown little growth for several months. Job growth is the ultimate engine for economic growth. Machines and computers can replace workers but they can’t eat or spend money. History says that displaced workers will find alternative employment over time but until they do, growth may slow. Final sales growth within GDP suggests real growth today is well under 2%. That isn’t recessionary but the trend bears watching.
  • September 11, 2025 – The California gold rush began in 1848, when gold was found at Sutter’s Mill in Coloma, California. While many gold prospectors failed to find gold, suppliers of picks and shovels to gold miners garnered the majority of wealth creation. The current gold rush in the artificial intelligence space continues to benefit the picks and shovels equipment suppliers, although the AI “miners” may not all see a similar return on their massive investments.
  • September 8, 2025 – Friday’s employment report was a stinker, confirming an obvious slowdown in the labor market. The unemployment rate is the single most important indicator in America, a legacy of the Great Depression. The simple fact is our workforce drives growth. Without a growing work force the only tailwind is improved productivity. The Federal Reserve, always data dependent and therefore backward looking, is now set to start a series of cuts to the Fed Funds rate beginning next week. Hopefully, those cuts will abort any slowdown and get the economy back on course. Until evidence appears, stocks could experience higher volatility.
  • September 2, 2025 – Equilibrium means balance but doesn’t define the size of a market. A steady unemployment rate, stable housing prices and a steady 10-year bond yield all suggest equilibrium, but beneath the surface, there are warning signs that require investor attention.
  • August 28, 2025 – The July jobs report signaled a cooling labor market, with slowing growth and a slight rise in unemployment, yet consumer spending remains resilient despite retail price hikes caused by new tariffs. This mixed economic data creates a conundrum for the Federal Reserve as it balances its dual mandate amid political pressure and inflationary headwinds. Given this uncertainty and the S&P 500 trading near all-time highs, investors should brace for potential market volatility post Labor Day, as the Fed’s next policy moves will depend heavily on upcoming inflation and jobs data.
  • August 25, 2025 – The Fed’s shift in policy, as stated by Jerome Powell last Friday, moves away from a focus on inflation and more toward insuring full employment. Such a shift suggests more short-term rate cuts and a willingness to tolerate some inflation as long as it stays below 3%. A willingness to tolerate a bit more inflation may sound innocuous but it could lead to unanchored long-term inflation expectations and keep 10-year Treasury yields elevated. If so, the euphoria expressed in Friday’s market rally may have been a bit too exuberant.

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