Tuas Ltd (ASX: TUA) is one of Australia’s top shares, in my view. It may have its operations in Singapore, but it’s registered in Australia and listed on the ASX.

Its core business is providing telecommunications operations in Singapore. It’s not common for an ASX share to have its main revenue generation outside of Australia, New Zealand, or the US.

The business is not a blue chip (yet), but it has rapidly become a multi-billion-dollar business that still has enormous growth potential.

Growing market share

One of the things that makes this one of Australia’s top shares is the fact that the business has managed to build such a sizeable position in the country in a relatively short amount of time (in this decade).

It more than doubled its mobile subscriber count in Singapore over three years, from 691,000 in the first half of FY23 to 1.41 million in the first half of FY26. The HY26 growth was 21.7% year over year.

Additionally, the company is starting to gain some traction in the broadband space. Its HY26 broadband subscribers increased by around 32,000 to 46,000. I believe its broadband position will continue to grow, particularly once it finalises the acquisition of Singapore competitor M1.

The business is expecting Simba (its consumer-facing brand) to continue to strengthen its mobile and fibre broadband segments over the rest of FY26.

Operating leverage

One of the best advantages of subscriber growth is that not only does it mean revenue growth, but it also leads to an increase in profit margins, allowing the bottom line to rise at a faster pace than revenue. It’s the bottom line that investors ultimately value a company on.

The business reported revenue growth of 26% year over year, while underlying operating profit (EBITDA) rose 27% to $42.1 million. Pleasingly, underlying net profit jumped by $15.7 million to $18.7 million (which excludes acquisition costs). Statutory net profit improved $5.2 million to $8.2 million.

Why I think this top Australia share has a long way to grow

The business is still growing its subscriber base (and revenue) at a strong rate, which is good for compounding.

I’m optimistic the business can continue diversifying its earnings, particularly once its M1 acquisition goes through, because it will grow its non-mobile earnings. I also believe the business can successfully expand into other nearby countries, such as Malaysia or Indonesia, which would significantly improve its growth runway.

Businesses that are growing quickly are well worth paying attention to. Tuas has already demonstrated its ability to win customers, and I think it can continue this success under the leadership of David Teoh.

The post A rare buying opportunity in 1 of Australia’s top shares? appeared first on The Motley Fool Australia.

More reading

• Where to invest $7,000 in ASX shares during April
• How to invest during an ASX share bear market when you’re worried about prices falling more
• 2 incredible ASX shares to buy in April
• Why 4DMedical, Brazilian Rare Earths, Clarity, and Tuas shares are racing higher today
• Guess which ASX 200 telco stock is jumping 7% today

Motley Fool contributor Tristan Harrison has positions in Tuas. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Commonwealth Bank of Australia (ASX: CBA) shares are rarely described as cheap.

But I think there is a different way to look at it, especially when investing smaller amounts over time. Instead of focusing purely on valuation, I find it more useful to think about what you are actually getting exposure to.

Here are five reasons I would consider putting $500 into CBA shares today.

A business built around everyday activity

CBA is deeply embedded in how Australians manage their money.

From home loans and savings accounts to payments and credit cards, the bank touches a wide range of financial activity. That creates a steady flow of revenue tied to everyday behaviour, which tends to be more consistent than more cyclical businesses.

For me, that kind of exposure can be a strong starting point for long-term investing.

A balance sheet that supports resilience

One of the things that stands out in CBA’s latest half-year update is the strength of its balance sheet.

The bank reported a Common Equity Tier 1 ratio of 12.3%, which sits comfortably above regulatory requirements, alongside strong deposit funding and liquidity levels .

This is important, in my opinion. It gives the bank the ability to continue lending, investing, and supporting customers even when conditions become more challenging.

Income that can add up over time

CBA remains one of the largest dividend payers on the ASX.

In its half-year result, the bank declared an interim dividend of $2.35 per share, fully franked .

For an investor starting with $500, the income may seem modest at first. But over time, reinvesting those dividends can help build a larger position and increase the income stream.

Ongoing investment in technology

Banks are often seen as traditional businesses, but CBA continues to invest heavily in technology.

It is spending heavily to modernise its systems, enhance digital capabilities, and expand its use of artificial intelligence across the business.

For me, that shows a focus on staying relevant. It is not just maintaining its position, it is working to improve how it serves customers and operates internally.

CBA shares have a track record of consistency

What I think makes CBA really stand out is how consistently it has delivered over time.

In the latest half, cash net profit was up 6% supported by lending and deposit growth across its core businesses, while credit quality improved and return on equity lifted 10 basis points to a strong 13.8%.

That kind of consistency can be easy to overlook, but I think it plays an important role in long-term investing.

Foolish takeaway

I think that investing $500 in CBA shares would be a smart move.

CBA offers a combination of scale, resilience, income, and consistency that I think can support strong returns over the long term.

It may not be the most exciting share on the ASX, but I think it could be one of the best.

The post 5 reasons to invest $500 in CBA shares appeared first on The Motley Fool Australia.

More reading

• If I invest $10,000 in BHP shares, how much passive income will I receive in 2027?
• In the midst of economic turmoil, what does Morgan Stanley say the ASX banks are worth?
• ANZ, NAB, Westpac, and CBA shares: Analysts rate 3 to sell, and 1 to buy
• Why I’d buy these ASX 200 stocks if I were a beginner
• $5,000 invested in CBA shares two years ago is now worth…

Motley Fool contributor Grace Alvino has positions in Commonwealth Bank Of Australia. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

BHP Group Ltd (ASX: BHP) is one of the ASX’s most popular dividend shares.

With its exposure to iron ore, copper, and other key commodities, it has a long history of returning significant cash to shareholders.

But how much passive income could a $10,000 investment actually generate? Let’s break it down.

How many BHP shares would you own?

Based on the current BHP share price of $55.92, which is close to its record high, a $10,000 investment would buy me approximately 178 shares.

This forms the foundation for estimating my future dividend income.

What is BHP expected to pay?

According to a recent note out of Macquarie Group Ltd (ASX: MQG), its analysts are forecasting BHP to pay fully franked dividends of approximately $1.98 per share in FY 2026 and then $1.85 per share in FY 2027.

For this article, we will focus on the FY 2027 estimate.

My estimated passive income in 2027

If the mining giant were to pay $1.85 per share in FY 2027 as Macquarie expects, then my 178 BHP shares would generate a total of $329.30 in passive income.

But it doesn’t necessarily stop there. One of the key benefits of BHP’s dividends is that they are typically fully franked.

This means investors may receive additional value through franking credits, which represent tax already paid by the company. Depending on my tax situation, this could increase the effective yield of my investment.

A variable income stream

It is important to remember that BHP’s dividends are not fixed.

As a mining company, its earnings and payouts are influenced by commodity prices, particularly copper and iron ore. When prices are strong, dividends can be higher. When they fall, payouts can decline.

This makes BHP different from more stable dividend payers like Commonwealth Bank of Australia (ASX: CBA) or infrastructure companies.

Foolish takeaway

A $10,000 investment in BHP shares could generate around $329 in annual passive income for me in 2027, based on current forecasts.

That represents a dividend yield of just over 3% at today’s share price, before factoring in franking credits.

While this is a modest yield compared to other years, due largely to its significant share price appreciation over the past 12 months, it is still attractive and could play an important role in a balanced income portfolio.

The post If I invest $10,000 in BHP shares, how much passive income will I receive in 2027? appeared first on The Motley Fool Australia.

More reading

• 5 reasons to invest $500 in CBA shares
• This ASX copper stock could be cheap compared to BHP and Rio Tinto shares
• Can BHP shares smash through the $60 record barrier in April?
• In the midst of economic turmoil, what does Morgan Stanley say the ASX banks are worth?
• Are these ASX stocks hitting 52-week highs a buy, hold, or sell?

Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Macquarie Group. The Motley Fool Australia has positions in and has recommended Macquarie Group. The Motley Fool Australia has recommended BHP Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

I like to regularly invest in ASX dividend shares to grow my portfolio in names I believe offer growth and passive income.

Superannuation is great for retirement investing, but I’m investing significantly outside of super to build up a flow of dividends to add to my near-term income.

The recent ASX share market volatility has led to share prices falling, dividend yields rising and more attractive opportunities. That’s what attracted me to the following businesses with a $2,000 investment earlier this week.

MFF Capital Investments Ltd (ASX: MFF)

MFF is best-known for its listed investment company (LIC) activities because it runs a multi-billion dollar portfolio that is mostly invested in high-quality international shares that have above-average earnings growth prospects and good competitive advantages.  

It’s invested in a number of leading global blue-chips, which has helped it to produce strong investment returns with the portfolio, leading to good capital growth (and dividend payments) in the past decade.

Recent investments include alternative investment/private equity managers, as well as ASX-listed investments L1 Group Ltd (ASX: L1G) and Montaka Global Fund (ASX: MOGL).

One of MFF’s goals is to increase the dividend, which it has delivered over the past several years. I like how rapidly the business is growing the dividend – the guided FY26 annual payout is expected to grow by 23% year-over-year to 21 cents per share.

At the time of writing, that translates into a FY26 grossed-up dividend yield of 6.4%, including franking credits, from the ASX dividend share.

WCM Global Growth Ltd (ASX: WQG)

The other investment I made was another LIC, which also has a goal of regularly growing the dividend.

It’s run by fund manager WCM which is based in Laguna Beach, California. That’s a far cry from Wall Street, which allows the fund manager to invest somewhat differently to the market.

The fund manager invests in in businesses with growing economic moats (competitive advantages) and a corporate culture that supports the improvement of the economic moat.

WCM Global Growth’s portfolio has returned an average of 14.7% per year since inception in June 2017, outperforming the global share market by an average of more than 2% per year.

It’s increasing its quarterly dividend every quarter, which is a pleasing record to see during a time of higher inflation.

The ASX dividend share is expected to pay a quarterly dividend per share of 2.45 cents in March 2026, which would be an annualised grossed-up dividend yield of 8%, including franking credits.

The post 2 top ASX dividend shares I just bought for my portfolio with $2,000 appeared first on The Motley Fool Australia.

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• 2 ASX dividend shares I’m betting on big-time to fund my retirement
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• 21 ASX shares going ex-dividend over the school holidays
• 2 ASX shares with dividend yields above 8%

Motley Fool contributor Tristan Harrison has positions in Mff Capital Investments and Wcm Global Growth. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has recommended Mff Capital Investments. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

This $29 billion ASX gold stock has lost some shine recently. Shares in Evolution Mining Ltd (ASX: EVN) are now down 33% from recent highs, but still up 57% over 12 months.

Gold surged through 2025 as investors piled into the safe-haven asset. But since peaking in late January, the gold price has pulled back roughly 20% during the first weeks of the Iran war, dragging many ASX gold stocks lower along with it.

That weakness could be an opportunity. Here are three reasons investors may want to consider Evolution Mining this month.

Volatility is normal, bigger picture still holds

Recent price swings might look concerning, but they’re not unusual.

According to VanEck, gold often behaves this way during periods of geopolitical stress:

Gold’s March performance surprised many investors. Despite a sharp escalation in geopolitical tensions, gold prices pulled back after briefly retesting record highs. That kind of price action may seem counterintuitive, but it is not unusual in periods of crisis.

In other words, short-term volatility doesn’t necessarily break the long-term trend. Once markets settle, the same drivers that helped push gold to record levels — including macro uncertainty and demand for safe-haven assets — are still firmly in place.

Evolution will be one of the ASX gold stocks to take advantage of that.

Record cash flow highlights operational strength

Evolution Mining isn’t just riding the gold price. The ASX gold stock is also executing well operationally.

Its latest quarterly update delivered record cash flow, underscoring the strength of its asset base and cost discipline. Strong cash generation gives the company flexibility to reinvest, reduce debt, and return capital to shareholders.

That kind of financial performance can help support the share price even when the commodity cycle turns volatile.

Solid upside plus income

Morgans just upgraded the ASX gold stock from hold to accumulate. The brokers believes that the recent weakness across the gold sector “has uncovered value in a high-quality name”. Morgans did trim its 12-month target from $17.16 to $16.10, suggesting a 20% upside at current levels.

Bell Potter also remains positive on the outlook. It has retained a buy rating on the ASX 200 gold stock, with a slightly reduced price target of $16.45.

And there’s more. The broker is also forecasting a 3.5% dividend yield, lifting the total potential return to over 25%. For investors looking for both growth and income, that’s an appealing combination.

Foolish Takeaway

ASX gold stocks may have cooled in recent weeks, but the long-term thesis hasn’t disappeared.

With strong cash flow, supportive macro drivers, and broker-backed upside, Evolution Mining could be worth a closer look this April.

The post 3 reasons to buy this ASX gold stock in April appeared first on The Motley Fool Australia.

More reading

• Buy, hold, sell: Evolution Mining, Netwealth, and Nufarm shares
• 5 things to watch on the ASX 200 on Friday
• 4 ASX 200 shares newly upgraded this week
• 3 ASX gold shares to buy after the recent pullback
• Why this ASX 200 gold stock could be a strong buy

Motley Fool contributor Marc Van Dinther has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Warren Buffett is widely regarded as one of the greatest investors of all time and following in his footsteps is highly recommended.

But if you are investing on the ASX, there is one obvious challenge. Buffett does not invest here, and we do not know which Australian shares he would choose.

That said, we do know how he thinks.

And that gives us a useful framework for building a Buffett-inspired portfolio using ASX shares.

Strong competitive advantages

One of Buffett’s core principles is investing in companies with durable competitive advantages, often referred to as economic moats.

These are businesses that are difficult for competitors to replicate. This might be due to brand strength, scale, intellectual property, or deep integration into customer operations.

On the ASX, examples could include companies like CSL Ltd (ASX: CSL), which benefits from its global scale and complex plasma network, or REA Group Ltd (ASX: REA), which dominates online real estate listings in Australia.

These types of businesses are often able to maintain pricing power and deliver consistent returns over time.

Look for consistent earnings and strong returns

Warren Buffett has always preferred companies that generate reliable profits.

Rather than chasing speculative growth, he looks for businesses that can steadily grow earnings year after year. High returns on capital and strong cash flow are often key indicators.

ASX companies like Cochlear Ltd (ASX: COH) and ResMed Inc (ASX: RMD) fit this mould, with established products, global demand, and recurring revenue streams.

The goal is to own businesses that perform well across different economic conditions.

Keep it simple and understandable

Another hallmark of Buffett’s approach is simplicity.

He invests in businesses he understands. This often means avoiding overly complex or speculative industries.

For ASX investors, this could translate to focusing on companies with clear business models and predictable revenue streams.

Retailers, healthcare companies, and infrastructure businesses can often be easier to understand than highly speculative sectors.

This might mean Woolworths Group Ltd (ASX: WOW), APA Group (ASX: APA), and Wesfarmers Ltd (ASX: WES).

Think long term

Warren Buffett is famous for his long-term mindset.

He has often said his favourite holding period is “forever.” This reflects his belief in owning great businesses and allowing compounding to do the work.

A Buffett-inspired ASX share portfolio should be built with a similar mindset. Instead of reacting to short-term market movements, the focus should be on holding quality companies for many years.

Avoid overpaying

Even the best business is not a good investment at the wrong price.

Buffett looks for opportunities to buy high-quality companies at reasonable valuations. This often means being patient and waiting for periods of market weakness.

For ASX share investors, this could involve building a watchlist and being ready to act when quality shares fall out of favour.

Foolish takeaway

We may never know exactly which ASX shares Buffett would buy.

But by focusing on competitive advantages, consistent earnings, simplicity, and long-term thinking, investors can build a portfolio that reflects his philosophy.

It is about applying the principles that made him successful to our own portfolios.

The post How to build a Warren Buffett-inspired ASX share portfolio appeared first on The Motley Fool Australia.

More reading

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• How to build massive wealth with ASX shares
• Why Dateline Resourcs, Northern Star, Rox Resources, and Wesfarmers shares are dropping today
• If I had $5,000 to invest in ASX 200 shares today, here’s what I’d buy
• Why I think ‘boring’ ASX shares could make you richer over time

Motley Fool contributor James Mickleboro has positions in CSL, Cochlear, REA Group, ResMed, and Woolworths Group. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended CSL, Cochlear, ResMed, and Wesfarmers. The Motley Fool Australia has positions in and has recommended Apa Group, ResMed, and Woolworths Group. The Motley Fool Australia has recommended CSL, Cochlear, and Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

This ASX car stock has been on the move.

Shares in Eagers Automotive Ltd (ASX: APE) have climbed roughly 13% over the past month. That’s helped narrow its loss for 2026 to around 3%. Zoom out, however, and the picture looks far stronger, as the ASX auto stock is still up about 36% over the past 12 months.

So what’s going on? One driver could be the global fuel crunch and the knock-on effect it’s having on electric vehicle demand.

Exposure to fast-growing EV brand

Eagers is the largest automotive retail group in Australia. The company owns and operates a large network of new and used motor vehicle dealerships across Australia and New Zealand.

A big driver of Eagers’ success has been electric vehicles, particularly BYD. The ASX car stock has been one of the standout performers in the consumer discretionary sector and now operates roughly 80% of BYD dealerships in Australia. That gives it unmatched exposure to one of the fastest-growing EV brands in the country.

Petrol prices push Aussies into EVs

At first glance, the fuel crunch might not seem directly relevant to the rising price of the ASX car stock. After all, Eagers isn’t an EV manufacturer. But dig a little deeper, and the link becomes clearer.

Rising petrol prices are pushing more Australians to consider electric vehicles. That shift is accelerating demand for brands like BYD, which has been rapidly gaining traction locally. Importantly, Eagers has exposure to EV sales through its broad dealership network, giving it a front-row seat to this transition.

More customers walking into dealerships to enquire about EVs can translate into higher sales activity. Even if buyers are simply switching from petrol cars to electric models, increased showroom traffic tends to support volumes and sometimes margins too.

And margins matter. When demand outstrips supply, as is currently the case for some EV models, dealers often have greater pricing power. That can reduce the need for discounting and support profitability across new vehicle sales.

Shift in buying behaviour

But before investors get too carried away, it’s worth keeping a few caveats in mind.

First, this is largely a shift in buying behaviour rather than a guaranteed surge in total car sales. If consumers are simply swapping petrol vehicles for EVs, the overall volume uplift may be limited.

Second, supply constraints remain a real issue. Strong demand for EVs, including models from BYD, has led to longer wait times. That can delay deliveries and push revenue recognition further out, muting near-term earnings momentum.

Finally, the $7 billion ASX car stock is still a cyclical business. Interest rates, consumer confidence, and access to finance all play a major role in car-buying decisions. Those macro factors can easily outweigh any thematic boost from EV adoption.

Foolish Takeaway

The fuel crisis appears to be providing a helpful tailwind for the ASX car stock by accelerating interest in electric vehicles. But it’s not a simple case of “EV demand up, share price up”.

For investors, this remains a broad play on automotive demand — with EVs adding an extra layer of momentum rather than defining the entire story.

The post Why fuel prices could be quietly powering this ASX car stock higher appeared first on The Motley Fool Australia.

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• Here are the top 10 ASX 200 shares today

Motley Fool contributor Marc Van Dinther has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended BYD Company. The Motley Fool Australia has recommended Eagers Automotive Ltd. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

ASX tech shares are roaring back to life.

After a brutal 6 months, the largest names on the ASX tech scene have staged a sharp rebound over the past five trading days. Investors are piling back into the sector, and the turnaround has been fast.

Let’s take a closer look how each ASX tech share fared.

WiseTech Global Ltd (ASX: WTC)

Leading the charge is WiseTech, which has surged an eye-catching 26% in just a week. That’s a major reversal for an ASX tech share still down 33% year to date.

The company’s CargoWise platform remains deeply embedded in global logistics networks, giving it strong recurring revenue and pricing power. However, expectations are high, and any slowdown in global trade or earnings growth could quickly pressure the share price again.

Xero Ltd (ASX: XRO)

This ASX tech share has also bounced strongly, climbing 16% over the past five days, though it remains down 28% in 2025.

The cloud accounting leader continues to grow its global subscriber base, particularly in key offshore markets. Its long-term growth story is intact, but investors are still watching closely for improvements in profitability and margins.

Megaport Ltd (ASX: MP1)

One of the biggest movers has been Megaport, which has jumped 28% in a matter of days, despite being down 30% year to date.

The company is benefiting from structural demand as more businesses shift to cloud-based infrastructure. Still, this ASX tech share remains a volatile name, and sentiment can swing quickly if execution falls short.

NextDC Ltd (ASX: NXT)

Meanwhile, NextDC is in a different position altogether. Its shares have risen 11% over the past week and are now up 12% for the year.

The data centre operator sits at the heart of powerful trends including artificial intelligence and cloud computing. That demand is driving growth, though its capital-intensive expansion plans mean investors must keep an eye on costs and project execution.

TechnologyOne Ltd (ASX: TNE)

Rounding out the group is TechnologyOne, which has climbed 13% in five days and is now up 11% year to date.

The ASX tech share has been one of the steadiest performers in the sector, supported by its successful transition to a software-as-a-service model. Its consistency is a strength, although any slowdown in contract wins or enterprise spending could temper momentum.

Foolish Takeaway

The sharp rebound across these names highlights just how quickly sentiment can shift in the tech sector. While some of these ASX tech stocks are still well below their earlier highs, the recent surge suggests investors are once again willing to back growth.

Whether this rally has staying power will likely depend on earnings delivery and broader market conditions, but for now, ASX tech is firmly back in the spotlight.

The post The tech rally is back: here are 5 ASX shares leading the charge appeared first on The Motley Fool Australia.

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Motley Fool contributor Marc Van Dinther has positions in WiseTech Global. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Megaport, Technology One, WiseTech Global, and Xero. The Motley Fool Australia has positions in and has recommended WiseTech Global and Xero. The Motley Fool Australia has recommended Technology One. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Superannuation tends to sit quietly in the background for most of our working lives.

It builds gradually through employer contributions, occasional top-ups, and investment returns. But every now and then, it is worth pausing to ask a simple question: how is my balance tracking compared to others at the same stage of life?

Looking at average balances across key ages can provide a useful reference point. Not as a perfect benchmark, but as a guide to how super typically evolves over time, and whether you may need to adjust course.

What are we aiming for?

Before diving into the numbers, it is important to understand the end goal.

According to the Association of Superannuation Funds of Australia, a comfortable retirement currently requires around $630,000 in super for a single person and $730,000 for a couple at retirement age.

A modest retirement, which sits just above the Age Pension, requires far less, roughly $110,000 to $120,000.

These figures provide useful context when assessing balances at different ages.

Age 40: building momentum

By age 40, superannuation is starting to become meaningful, but it is still in the early stages of growth.

Australians aged 40–44 have average balances of approximately $109,000 for women and $140,000 for men. This reflects around 20 to 25 years of contributions, often alongside competing financial priorities such as mortgages and raising families.

At this stage, the most important factor is momentum. Contributions are building, and investment returns are starting to compound, but the real growth typically comes later.

Age 50: entering the critical phase

By age 50, superannuation balances have usually grown significantly.

Australians aged 50–54 hold average balances of roughly $190,000 for women and $254,000 for men. While this is a meaningful increase from age 40, it is still well below what is required for a comfortable retirement.

This decade is often the most important. With peak earning years and fewer competing financial pressures for some, the ability to boost contributions and refine investment strategies can have a major impact on the final outcome.

Age 60: approaching the finish line

At 60, retirement is no longer a distant concept.

Australians aged 60–64 have average superannuation balances of approximately $313,000 for women and $396,000 for men. By this stage, super has become a central pillar of retirement planning.

While balances have grown substantially, many Australians are still short of the comfortable retirement benchmark, particularly as individuals. This is why the final working years can be so valuable in closing the gap.

Age 65: stepping into retirement

By age 65, many Australians are transitioning into retirement or preparing to do so.

Those aged 65–69 hold average balances of around $392,000 for women and $448,000 for men. For couples, combined balances often move closer to or beyond the level required for a comfortable retirement, especially when supported by the Age Pension.

For singles, however, the picture can be more challenging, with many relying on a combination of super and government support.

Foolish takeaway

Superannuation is a long-term journey, not a single number to hit.

The averages at 40, 50, 60, and 65 show steady progress, but they also highlight the importance of staying engaged, especially in the years leading up to retirement.

Understanding where you stand today is the first step. What you do next is what ultimately shapes your retirement.

The post Here’s the average Australian superannuation balance at ages 40, 50, 60, and 65 appeared first on The Motley Fool Australia.

More reading

• How to build a Warren Buffett-inspired ASX share portfolio
• Why fuel prices could be quietly powering this ASX car stock higher
• The tech rally is back: here are 5 ASX shares leading the charge
• How many ANZ shares do I need to buy for $10,000 a year in passive income?
• Why I’d buy and hold NDQ and these ASX ETFs for 10 years

Motley Fool contributor James Mickleboro has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

ANZ Group Holdings Ltd (ASX: ANZ) shares have long been popular with passive income investors for their lengthy track record of delivering reliable, twice-yearly dividend payments.

The bank even made two payments in the pandemic-confounded year of 2020.

So, if you’re aiming to bank an extra $10,000 a year in passive income, ANZ shares are well worth investigating.

Atop those regular dividend payments, the S&P/ASX 200 Index (ASX: XJO) bank stock has also delivered some market-beating capital gains over the past year.

ANZ shares closed on Friday, trading for $37.69. That sees the stock up 34.4% in 12 months, racing ahead of the 14.2% one-year gains posted by the benchmark index.

Now, we’ll dive into how many ANZ shares you might need to buy for an extra $10,000 yearly passive income below.

But first, a few important reminders.

Diversify amid an uncertain future

First, while we’re only looking at the dividends on offer from ANZ shares here, a properly diversified passive income portfolio will include many more than just one stock. While there’s no magic number that suits everyone, somewhere around a dozen is a decent ballpark figure.

Ideally, these ASX dividend stocks will operate in various sectors and locations. That will help reduce the risk that your income stream will take an unexpected hit if a particular company or industry runs into a rough patch.

Also, bear in mind that the yields you generally see quoted are trailing yields. Future yields may be higher or lower depending on a range of company specific and macroeconomic factors.

If you’re buying ANZ shares, these include the ASX 200 bank’s risk management and cost controls. ANZ’s future profits and dividends will also be affected by the trajectory of interest rates and the broader performance of the Australian economy.

With that in mind…

Banking on ANZ shares for an annual $10,000 passive income

ANZ paid an interim dividend of 83 cents a share on 1 July. The ASX 200 bank paid a final dividend of 83 cents a share on 19 December, both franked at 70%, for a full-year payout of $1.66 a share.

At Friday’s closing price, this sees ANZ shares trading on a partly franked trailing dividend yield of 4.4%.

And it means that if you’re aiming for $10,000 a year in passive income, you’d need to buy 6,024 ANZ shares today.

How much would that cost?

At Friday’s closing price of $37.69 a share, you’d need to invest $227,045 in ANZ shares to bank $10,000 a year in passive income (based on the trailing yields).

Now, that’s a sizeable investment to make at one go.

But that’s okay.

You can always invest a smaller amount on a regular basis, and you’ll reach your income goal in good time.

The post How many ANZ shares do I need to buy for $10,000 a year in passive income? appeared first on The Motley Fool Australia.

More reading

• ASX 200 shares with renewed buy ratings this week
• In the midst of economic turmoil, what does Morgan Stanley say the ASX banks are worth?
• ANZ, NAB, Westpac, and CBA shares: Analysts rate 3 to sell, and 1 to buy
• What’s going on with the ANZ share price?
• ASX 200 shares rip with financials leading a remarkable recovery last week

Motley Fool contributor Bernd Struben has no position in any of the stocks mentioned. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has no position in any of the stocks mentioned. The Motley Fool Australia has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.