Is Your Portfolio Taking Part In The Biggest Wealth Divide in History? LFG Daily - October 28, 2025

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Luke Lloyd, CEO Lloyd Financial Group

We are living through the largest wealth divide in human history — and it’s only getting wider. The top 1% of the world’s population now controls more than half of global wealth. That gap isn’t closing anytime soon, especially as artificial intelligence (AI) reshapes the economy and governments flirt with policies that sound compassionate but often backfire.

Let’s unpack what’s driving this divide — and how investors can prepare for the future.

1. The New Industrial Revolution: AI and the Concentration of Wealth

AI isn’t just changing the world; it’s changing who profits from it. Like the Industrial Revolution, technological progress creates incredible productivity and prosperity — but not evenly.

The companies building and owning AI models, data centers, and infrastructure (think Nvidia, Microsoft, Google, and Amazon) are seeing exponential growth, while millions of jobs in customer service, transportation, and even white-collar fields face automation risk.

In this AI-driven economy, capital — not labor — is king. Those who own the technology, the data, and the capital to scale innovation are capturing most of the gains. Meanwhile, the average worker is left trying to adapt in an economy that demands high-skill, high-tech expertise.

This is why the wealth gap continues to grow: wealth flows toward ownership and away from hourly labor.

2. The Rise of UBI: A Band-Aid for a Broken System

As AI threatens to displace millions of jobs, many politicians and tech billionaires have floated the idea of Universal Basic Income (UBI) — a guaranteed check from the government for everyone, regardless of whether they work.

While it may sound compassionate, UBI doesn’t address the root problem — it simply redistributes wealth that must first be created by someone else. It’s a short-term solution that risks long-term consequences: inflation, dependency, and less incentive to innovate or work.

If history teaches us anything, it’s that printing money and redistributing it rarely creates prosperity. Instead, it erodes the purchasing power of the middle class — the very people it’s meant to help.

3. How Socialism Actually Concentrates Wealth at the Top

Ironically, the more government tries to “fix” inequality through socialist-style policies — excessive regulation, redistribution, and taxation — the more it ends up benefitting the elites.

Here’s why:

• Regulations often create barriers to entry that only large corporations can afford to navigate.

• Tax loopholes are more easily exploited by those with accountants and lawyers.

• Government spending tends to funnel money to politically connected industries and large contractors.

Socialism doesn’t level the playing field — it entrenches those already in power. The wealthy adapt; the poor and middle class pay the price.

Free markets, competition, and entrepreneurship have historically been the only proven engines for broad-based wealth creation.

4. The Investor’s Takeaway: Own, Don’t Owe

In an economy increasingly driven by technology and capital ownership, the most important financial planning lesson is simple: you want to be an owner, not a borrower.

That means investing in equities, innovation, and tangible assets that benefit from long-term inflation and productivity growth — not relying solely on wage income that can be disrupted by automation or policy shifts.

The future will reward those who:

• Invest in innovation — AI, clean energy, biotech, and data infrastructure.

• Stay adaptable — continuously learn and evolve their skillsets.

• Build financial independence — through ownership, not dependency.

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Final Thought: Freedom Creates Opportunity

The wealth divide won’t be solved through socialism or universal income checks. It will be solved through freedom — the freedom to create, to innovate, and to build wealth through opportunity and ownership.

AI may be the greatest wealth-creating force in history. The question is: Will you own it, or will it own you?

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

Colin Symons, CIO Lloyd Financial Group

The AFGE federal workers union said Congress should pass a ‘clean’ short-term funding bill to reopen the government.

The Mexico trade deadline looks like it will be extended.

Korea said it may be hard to reach a trade deal with the US.

Japan and the US signed an agreement to secure critical minerals and rare earths.

Gold dropped below $4,000 and is down another -2% today.

What does it all mean? The market relaxed yesterday, with credit spreads tightening some more. Realized vol remains high so nerves are high but becoming more confortable.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

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