• How I’d invest if I wanted to retire with $1 million in ASX shares

    Couple holding a piggy bank, symbolising superannuation.

    Retiring with $1 million in ASX shares is a big goal, but I do not think it needs to be difficult.

    The key is starting early enough, investing regularly, and giving compounding enough time to work. For this example, let’s assume someone is starting at age 35 and wants to build a $1 million portfolio by age 67.

    That gives them roughly 32 years.

    If an investor achieved an average annual return of 9%, they would need to invest around $6,000 per year to reach $1 million by age 67. That is about $115 a week.

    Those returns are not guaranteed, of course. Some years will be negative, and some years will be much stronger. But the exercise shows something important: the target becomes much more achievable when time is doing a lot of the heavy lifting.

    I’d start with broad exposure

    If I were building towards $1 million, I would not try to make the whole plan depend on picking the perfect stock.

    That is too much pressure.

    I would start with a diversified core. This could include broad ASX exchange-traded funds (ETFs) that provide exposure to Australian shares, global shares, or the US market.

    A broad ETF helps reduce the risk of one company doing too much damage to the overall plan. It also makes it easier to stay invested because the portfolio is not relying on a single business, sector, or theme.

    I think that is important over a 30-year journey.

    I’d add quality shares over time

    Once the core is in place, I would add individual ASX shares where I see quality, growth, or income potential.

    That could include blue-chip shares, dividend shares, healthcare leaders, technology businesses, infrastructure stocks, or high-quality retailers.

    The exact names could change over time, but right now it might include Goodman Group (ASX: GMG), Netwealth Group Ltd (ASX: NWL), and Car Group Ltd (ASX: CAR).

    I want to look for companies with strong market positions, good balance sheets, capable management, and the ability to grow earnings over many years.

    Not every pick will work. That is why diversification matters.

    I’d keep investing through bad markets

    The hardest part of this plan is not the maths. It is behaviour.

    There will almost certainly be bear markets, recessions, interest rate scares, inflation worries, and company disappointments along the way.

    I would expect that. But if the goal is to build a $1 million ASX share portfolio over decades, market falls can become opportunities rather than reasons to stop.

    Regular investing means buying through good markets and bad markets. Over time, that can help smooth the entry price and keep the plan moving.

    Foolish Takeaway

    A $1 million ASX share portfolio will not appear overnight.

    But starting at 35 gives an investor something very valuable: time. With regular contributions, a sensible return assumption, and the discipline to keep going through market cycles, the target can become far more realistic than it might first seem.

    The best plan is not necessarily the cleverest one. It is the one that an investor can repeat for years without getting shaken out by every market wobble.

    The post How I’d invest if I wanted to retire with $1 million in ASX shares appeared first on The Motley Fool Australia.

    Wondering where you should invest $1,000 right now?

    When investing expert Scott Phillips has a stock tip, it can pay to listen. After all, the flagship Motley Fool Share Advisor newsletter he has run for over ten years has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    Scott just revealed what he believes could be the ‘five best ASX stocks’ for investors to buy right now. We believe these stocks are trading at attractive prices and Scott thinks they could be great buys right now…

    * Returns as of 20 Feb 2026

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    Motley Fool contributor Grace Alvino 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 Goodman Group and Netwealth Group. The Motley Fool Australia has positions in and has recommended Netwealth Group. The Motley Fool Australia has recommended CAR Group Ltd and Goodman Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Where to invest $2,000 in ASX 200 shares in June

    Smiling woman with her head and arm on a desk holding $100 notes, symbolising dividends.

    Have $2,000 ready to invest?

    That is more than enough to start building exposure to some high-quality ASX 200 shares. The key is to focus on businesses with strong brands, durable earnings, and long-term growth opportunities.

    With that in mind, here are three ASX 200 shares that could be worth a closer look.

    Breville Group Ltd (ASX: BRG)

    The first share to look at is Breville. It has become one of the ASX’s more interesting global consumer businesses. It sells premium kitchen appliances across categories such as coffee, cooking, food preparation, and other home products.

    What stands out is the company’s ability to turn everyday appliances into higher-value products. A coffee machine is not just a coffee machine when customers are prepared to pay for better design, performance, and reliability.

    That premium positioning has helped Breville build a brand that travels well beyond Australia. The United States is already a major market for the company, and there is still room to grow in other international regions.

    Consumer spending can move through cycles, so investors should expect some bumps along the way. But Breville’s product discipline, brand strength, and global runway make it a compelling growth option.

    ResMed Inc (ASX: RMD)

    Another ASX 200 share that could be worth considering is ResMed.

    The company is a global leader in sleep apnoea treatment and respiratory care. Its devices, masks, accessories, and connected health platforms help patients manage chronic conditions and improve sleep quality.

    This gives ResMed exposure to a large healthcare market with structural growth drivers. Sleep apnoea remains underdiagnosed in many countries, and awareness of the condition continues to increase.

    The company also benefits from repeat demand. Once patients are using its devices, many continue to purchase masks, accessories, and support products over time.

    That combination of medical need, global scale, and recurring product demand gives ResMed a strong long-term growth profile.

    TechnologyOne Ltd (ASX: TNE)

    A third ASX 200 share to consider for a $2,000 investment is TechnologyOne.

    TechnologyOne provides enterprise software to organisations such as councils, universities, government departments, and large businesses. These customers use its systems to manage important functions across finance, payroll, assets, students, and administration.

    Once software becomes embedded in these workflows, replacing it can be disruptive and costly. That gives TechnologyOne a sticky customer base and a strong recurring revenue foundation.

    The company has also been expanding through its cloud-based model and growing internationally, particularly in the United Kingdom. This could provide another source of growth over the years ahead.

    Overall, its consistency, defensive customer base, and scalable software model arguably make it one of the ASX’s standout technology businesses.

    The post Where to invest $2,000 in ASX 200 shares in June appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Breville Group right now?

    Before you buy Breville Group shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Breville Group wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 20 Feb 2026

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    Motley Fool contributor James Mickleboro has positions in ResMed and Technology One. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended ResMed and Technology One. The Motley Fool Australia has positions in and has recommended ResMed. 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.

  • ASX 200 tech stocks led the market with big share price gains last week

    A player with tech goggles inside the metaverse

    ASX 200 tech shares led the 11 market sectors last week with a 7.68% gain over the five trading days.

    Meanwhile, the S&P/ASX 200 Index (ASX: XJO) slipped 1.22% to close at 8,625.1 points on Friday.

    ASX 200 tech shares are continuing to recover from a 48% sector meltdown between 29 August 2025 and 30 March 2026.

    Fears over the impact of artificial intelligence (AI) drove the decline, but ASX investors appear to be over it.

    The S&P/ASX 200 Information Technology Index (ASX: XIJ) is now up 26% since 31 March vs. a 1.9% lift for the rest of the market.

    Six of the 11 market sectors finished in the green last week.

    Let’s review.

    ASX 200 tech shares outperform by a long shot

    Let’s take a look at how the major ASX 200 tech shares performed last week.

    The market’s largest tech company by market cap, Xero Ltd (ASX: XRO), rose 5.45% to $79.27 per share.

    The WiseTech Global Ltd (ASX: WTC) share price zoomed 10.55% to close at $39.81 on Friday.

    Investors in Megaport Ltd (ASX: MP1) shares had an exciting week that ended with a 19.07% share price rise to $18.48.

    On Friday, Megaport shares were the best performers of the ASX 200, reaching a new 52-week high of $21.16.

    This followed news of four new AI infrastructure contracts worth $458.9 million and a fully underwritten $827.3 million entitlement offer.

    TechnologyOne Ltd (ASX: TNE) shares rose 8.34% to $32.33 apiece, while Nextdc Ltd (ASX: NXT) lifted 4.07% to $15.86.

    The Life360 Inc (ASX: 360) share price soared 13.81% to $22.

    Codan Ltd (ASX: CDA) shares rose 2.46% to finish at $43.70 apiece on Friday.

    The Siteminder Ltd (ASX: SDR) share price lifted 10% to $3.85.

    Objective Corporation Ltd (ASX: OCL) shares ascended 8.12% to $11.32.

    The Catapult Sports Ltd (ASX: CAT) share price rose 8.31% to $3.65.

    Dicker Data Ltd (ASX: DDR) shares lifted 7.72% to $11.16 apiece.

    ASX 200 market sector snapshot

    Here’s how the 11 market sectors stacked up last week, according to CommSec data.

    Over the five trading days:

    S&P/ASX 200 market sector Change last week
    Information Technology (ASX: XIJ) 7.68%
    Consumer Staples (ASX: XSJ) 1.68%
    Energy (ASX: XEJ) 1.55%
    Utilities (ASX: XUJ) 1.14%
    Healthcare (ASX: XHJ) 1.01%
    Industrials (ASX: XNJ) 0.45%
    Consumer Discretionary (ASX: XDJ) (1.03%)
    Communication (ASX: XTJ) (1.59%)
    Financials (ASX: XFJ) (2.09%)
    Materials (ASX: XMJ) (2.35%)
    A-REIT (ASX: XPJ) (2.49%)

    The post ASX 200 tech stocks led the market with big share price gains last week appeared first on The Motley Fool Australia.

    Wondering where you should invest $1,000 right now?

    When investing expert Scott Phillips has a stock tip, it can pay to listen. After all, the flagship Motley Fool Share Advisor newsletter he has run for over ten years has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    Scott just revealed what he believes could be the ‘five best ASX stocks’ for investors to buy right now. We believe these stocks are trading at attractive prices and Scott thinks they could be great buys right now…

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    Motley Fool contributor Bronwyn Allen 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 Catapult Sports, Life360, Megaport, Objective, SiteMinder, Technology One, WiseTech Global, and Xero. The Motley Fool Australia has positions in and has recommended Catapult Sports, Dicker Data, Life360, Objective, SiteMinder, 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.

  • 3 amazing ASX ETFs to buy and hold for 10 years

    A man points at a paper as he holds an alarm clock, indicating the ex-dividend date is approaching.

    Are you wanting an easy way to make buy and hold investments?

    If you are, exchange traded funds (ETFs) could be worth considering.

    They allow investors to buy groups of quality stocks from different areas with relative ease, removing the need to pick individual stocks.

    But which funds could be great buy and hold options? Here are three to consider:

    Betashares S&P/ASX Australian Technology ETF (ASX: ATEC)

    The first ASX ETF to look at is the Betashares S&P/ASX Australian Technology ETF.

    This fund gives investors exposure to the local companies trying to digitise parts of the economy that still have plenty of room to modernise.

    That includes businesses involved in online marketplaces, data centres, financial technology, healthcare software, accounting platforms, and enterprise systems. These companies are very different from one another, but they share a common thread. They use technology to make large industries work better.

    This gives investors access to the ASX names building tools, platforms, and infrastructure that could become more embedded over time.

    The Australian technology sector can be volatile, but for patient investors, this fund offers a simple way to back local innovation across several different business models. It was recently recommended by Betashares.

    Global X FANG+ ETF (ASX: FANG)

    Another ASX ETF that could be worth a look is the Global X FANG+ ETF.

    This fund is concentrated in a small group of global technology and innovation leaders. That makes it very different from a broad market ETF.

    Its holdings are companies that already influence enormous parts of the global economy. They shape how people search, shop, stream, advertise, communicate, build software, run cloud workloads, and use artificial intelligence.

    The fund’s concentration increases risk, because a small number of companies drive performance. But it also gives investors direct exposure to businesses with huge profit pools, strong balance sheets, and the ability to reinvest heavily in the next wave of technology.

    For investors who believe the world’s largest digital platforms can keep expanding their reach, this fund could be one to hold onto. It was recently recommended by the team at Global X.

    VanEck Morningstar International Wide Moat ETF (ASX: GOAT)

    A third ASX ETF to consider is the VanEck Morningstar International Wide Moat ETF.

    This fund takes a more selective approach to global investing. It looks for companies that have sustainable competitive advantages (aka wide moats) and are trading at attractive valuations.

    That gives the ETF a different job from the other two funds. Rather than focusing mainly on technology or innovation, it searches for businesses with staying power.

    A company might have a moat because of a trusted brand, cost advantage, network effect, valuable intellectual property, or customer relationships that are hard to break. These qualities can help protect profits when competitors try to attack.

    The valuation discipline is also important. Great businesses are not automatically great investments if the price is too high.

    For a 10-year holding period, this fund could offer a useful blend of global diversification, quality, and price awareness.

    The post 3 amazing ASX ETFs to buy and hold for 10 years appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Betashares S&P Asx Australian Technology ETF right now?

    Before you buy Betashares S&P Asx Australian Technology ETF shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Betashares S&P Asx Australian Technology ETF wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 20 Feb 2026

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    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 recommended VanEck Morningstar International Wide Moat ETF. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Top brokers name 3 ASX shares to buy next week

    Three excited business people cheer around a laptop in the office

    It was a busy week for Australia’s top brokers. This has led to a number of broker notes being released.

    Three broker buy ratings that you might want to know more about are summarised below. Here’s why brokers think these ASX shares are in the buy zone:

    4DMedical Ltd (ASX: 4DX)

    According to a note out of Bell Potter, its analysts have retained their speculative buy rating on this medical technology company’s shares with an increased price target of $6.00. Bell Potter points out that 4DMedical will undertake a head to head study of its CT:VQ exam vs CT Pulmonary Angiogram (the current standard of care) in patients with suspected Pulmonary Embolism (PE). It notes that this is necessary to generate clinical data to support the broader adoption of the 4DX CT:VQ exam for patients not subject to nuclear medicine for the ventilation/perfusion component of the exam. Bell Potter believes this is a good move, especially given the total addressable market is estimated to be $2.5 billion annually. If everything goes to plan, Bell Potter believes exponential adoption could occur from FY 2028 onwards. The 4DMedical share price ended the week at $3.97.

    Megaport Ltd (ASX: MP1)

    A note out of UBS reveals that its analysts have retained their buy rating on this network solutions company’s shares with an increased price target of $24.20. UBS was pleased to see that Megaport’s acquisition of Latitude.sh is bearing fruit. It notes that Latitude.sh has materially strengthened the company’s earnings outlook. In fact, it highlights that contracts secured since the November acquisition have annual recurring revenue that is six times larger than the acquired business. And with accelerating AI and cloud demand, cross-selling opportunities, and balance sheet capacity, UBS believes it is well-positioned to win further contracts. The broker also believes there is upside potential if AI adoption continues to drive demand. The Megaport share price was fetching $18.48 at Friday’s close.

    Newmont Corporation (ASX: NEM)

    Another note out of UBS reveals that its analysts have retained their buy rating and $195.00 price target on this gold giant’s shares. The broker has been looking at the gold sector and the impact that higher costs (due to inflationary pressures) could have on miners. It notes that this is coming at a time when the spot gold price has pulled back meaningfully from its highs and below consensus expectations. While this is bad news for many gold miners, UBS highlights that Newmont has exposure to copper, which it believes will soften the blow. As a result, it remains positive and has named the company as one of its preferred gold exposures right now. The Newmont share price ended the week at $148.76.

    The post Top brokers name 3 ASX shares to buy next week appeared first on The Motley Fool Australia.

    Should you invest $1,000 in 4DMedical right now?

    Before you buy 4DMedical shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and 4DMedical wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 20 Feb 2026

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    Motley Fool contributor James Mickleboro has positions in Megaport. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Megaport. 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.

  • If I invest $8,000 in Macquarie shares, how much passive income will I receive in 2027?

    Man holding out Australian dollar notes, symbolising dividends.

    Macquarie Group Ltd (ASX: MQG) shares may be one of the more popular ASX dividend options because of the company’s perceived stability, dividend yield and passive income growth.

    The ASX financial share typically has a decent, but lower, dividend yield compared to competitors like Commonwealth Bank of Australia (ASX: CBA), National Australia Bank Ltd (ASX: NAB) and Westpac Banking Corp (ASX: WBC).

    Macquarie’s dividend has increased in most years since 2013, with there only being a couple of years when the payout was reduced.

    In the ASX financial share’s recent FY26 result, the business decided to hike its annual dividend per share by 7.7% to $7 per share following a 30% increase of net profit to $4.85 billion.

    In this article, we’re going to look at the annual FY27 dividend, which will be paid during 2027.

    2027 dividend projection for owners of Macquarie shares

    According to the projection on CMC Invest, the ASX financial share is projected to pay an annual dividend per share of $7.40 in the 2027 financial year.

    At the time of writing, this forecast translates into a dividend yield of 3.1% excluding franking credits and 3.6% including franking credits.

    If someone were to invest $8,000 in Macquarie, they would be able to buy 33 Macquarie shares (with a little bit of money left over).

    With those 33 Macquarie shares, investors could receive $244.20 of cash and some franking credits, the level of franking credits is not known at this stage because the ASX bank share is only paying partially franked dividends.

    Is this a good time to invest in the ASX bank share for passive income?

    According to CMC Invest, there have been nine analyst ratings calls on the business in the last three months.

    Of those nine ratings, five were buys, three were holds and one was a sell. So, the investment professionals are, on average, more positive on the appeal of the company’s valuation right now.

    The average price target of those nine ratings is $244.56. That means, collectively, those analysts are predicting the Macquarie share price will (at the time of writing) hardly move over the next year.

    Over the past year, the Macquarie share price has been under $200, so analysts seem to think the company will hold onto its 2026 gain.

    But, with low returns on offer (at the time of writing), according to the price target, there seem to be more compelling ASX shares out there to buy.

    The post If I invest $8,000 in Macquarie shares, how much passive income will I receive in 2027? appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Macquarie Group right now?

    Before you buy Macquarie Group shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Macquarie Group wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 20 Feb 2026

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    Motley Fool contributor Tristan Harrison 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 has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • Would Warren Buffett buy BHP shares?

    a smiling picture of legendary US investment guru Warren Buffett.

    Warren Buffett has been by far one of the greatest investors in the world, leading Berkshire Hathaway to incredible long-term returns. I believe this is a good time to consider whether Buffett would be interested in BHP Group Ltd (ASX: BHP) shares, Australia’s biggest company.

    Berkshire Hathaway is best known for its investments in areas like insurance, banking, railroads, Coca Cola, Apple and a few others. Mining has not been one of his key areas of focus.

    But, Buffett is an American who has focused on American shares. Perhaps if he were Australian, he might have considered BHP shares as a possible investment?  

    Why Buffett may have considered BHP shares

    Warren Buffett and Charlie Munger together had a great track record of picking long-term, compounding businesses.

    They would aim for high-quality businesses with strong economic moats. In other words, companies with competitive advantages that are expected to endure and help them fight off challengers.

    The duo in charge of Berkshire Hathaway once commented that they’d rather own a wonderful business at a fair price than a fair business at a wonderful price. BHP is certainly a wonderful company that’s among the world leaders at producing iron ore, with very low operating costs.

    Additionally, the company has pleasing growth prospects in terms of copper projects and potash (which is seen as a greener fertiliser).

    If commodity, particularly copper, prices continue rising as time goes on, this could be very beneficial for BHP’s margins. The prospects look good for copper, considering the ongoing electrification and investments in battery energy storage around the world.

    However, it’s not all positive when considering BHP shares.

    Factors going against an investment

    Warren Buffett is a fan of being greedy when others are fearful and fearful when others are greedy. The market has clearly been excited about the ASX mining share – the BHP share price has risen more than 70% in the past year.

    BHP is what could be called a price-taker rather than a price-maker. It sells its commodities based on resource prices, rather than being able to dictate what price it charges customers/subscribers like plenty of high-quality shares out there.

    Buffett does not have much of a history of buying price-takers, particularly miners.

    I could understand Warren Buffett being interested in BHP shares if it were trading at a cyclical low point, but it’s trading at close to an all-time high. Investing at the low point of a cycle can be a contrarian and very rewarding investment.

    So, I’d suggest there are other ASX shares that Warren Buffett would rather invest in today.

    The post Would Warren Buffett buy BHP shares? appeared first on The Motley Fool Australia.

    Should you invest $1,000 in BHP Group right now?

    Before you buy BHP Group shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and BHP Group wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 20 Feb 2026

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    Motley Fool contributor Tristan Harrison 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 Apple. The Motley Fool Australia has recommended Apple and BHP Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

  • How much superannuation does the average 30-year-old have, and how to give it a boost

    Australian dollar notes in a nest, symbolising a nest egg.

    For many 30-year-olds, thinking of planning for retirement is probably not close to top of the to do list.

    That’s understandable – accessing their superannuation is at least 30 years off and they have plenty of time to think about it in the intervening period.

    That said, a little goes a long way in terms of the benefits of compound interest, and relatively modest additional contributions to superannuation can have a big impact over that time.

    What do the numbers say?

    So how much superannuation does the average 30-year-old have?

    The most recent figures from The Association of Superannuation Funds of Australia (ASFA) show males aged 30 to 34 have $55,690 in superannuation on average, while females have $46,586.

    ASFA also has a resource which allows you to plug in your age and see what superannuation balance is preferable if you are aiming for a “comfortable” retirement.

    This figure for a 30 year old is about $70,500, which as you can see, is considerably higher than the average person has accrued at that age.

    This calculator assumes a pre-tax wage income of $63,000, and a lump sum at retirement of $630,000 in today’s dollars.

    The ASFA comfortable lifestyle standard assumes that for those who own their own home, a comfortable lifestyle would need an income of $54,840 for singles and $77,375 for couples.

    A comfortable retirement includes top level health insurance, being able to own and maintain a reasonable car, regular leisure activities, and an ability to pay bills as they fall due.

    Superannuation strategies

    So how can you boost your super if you’re looking to ensure a comfortable retirement?

    Firstly, if you’re a low or middle income earner, you can make a personal non-concessional (after tax) contribution to your super fund, and the government might also make a co-contribution of up to $500.

    The Australian Taxation Office website says:

    The government co-contribution you receive depends on your income and how much you contribute. You don’t need to apply for the super co-contribution. When you lodge your tax return, we will work out if you’re eligible. If your super fund has your tax file number (TFN), we will pay it to your super account automatically.

    The government also has a super co-contribution calculator which can be used to assess what you are eligible for.

    Another way of boosting superannuation balances is via concessional contributions.

    This involves making extra payments out of salary before it is taxed, with the contributions taxed at 15% when they enter the super account.

    Up to $30,000 can be paid into superannuation each year via this method, however keep in mind that employer’s contributions count towards the total.

    Concessional contributions can also be tracked by using the ATO’s online services and logging into your account.

    The post How much superannuation does the average 30-year-old have, and how to give it a boost appeared first on The Motley Fool Australia.

    Wondering where you should invest $1,000 right now?

    When investing expert Scott Phillips has a stock tip, it can pay to listen. After all, the flagship Motley Fool Share Advisor newsletter he has run for over ten years has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    Scott just revealed what he believes could be the ‘five best ASX stocks’ for investors to buy right now. We believe these stocks are trading at attractive prices and Scott thinks they could be great buys right now…

    * Returns as of 20 Feb 2026

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    Motley Fool contributor Cameron England 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.

  • Here’s the dividend forecast out to 2028 for Coles shares

    Man holding Australian dollar notes, symbolising dividends.

    Coles Group Ltd (ASX: COL) shares are a solid option for long-term passive income given the defensive nature of its products and how steadily its earnings grow over time.

    Coles is not just a supermarket company, of course. It also has a number of other businesses including Coles Liquor, Liquorland, Coles Financial Services (insurance and credit cards) and a 50% share of Flybuys.

    It has already increased its annual dividend per share each year since 2019 and the recent FY26 third-quarter update was pleasing – total group revenue rose 3.1%, with supermarket revenue growth of 4%.

    Let’s look at what experts think could happen in the next few years.

    FY26

    Investors have already seen the performance of the business over the first six months of the 2026 financial year.

    Coles reported group revenue growth 2.5% to $23.6 billion, underlying operating profit (EBIT) growth of 10.2% to $1.2 billion and underlying net profit growth of 12.5% to $676 million. That allowed the business to fund an interim dividend per share of 41 cents.

    The projection on CMC Invest suggests the business could pay an annual dividend per share of 77.7 cents, though I suspect it will end up paying a dividend that comes to a whole cent – such as 77 cents or 78 cents per share.

    The forecast represents potential year-over-year growth of 12.6% compared to FY25. The projected payment for FY26 could be a grossed-up dividend yield of 5.1%, including franking credits, at the time of writing.

    FY27

    The dividend growth is expected to continue in the 2027 financial year for owners of Coles shares, which could be exactly what long-term shareholders are hoping for.

    The FY27 annual dividend per share is projected to rise by 9.7% year-over-year next financial year to 85.2 cents per share, which would be another pleasing year of growth for investors.

    At the time of writing, this translates into a potential grossed-up dividend yield of 5.6%, including franking credits.

    FY28

    The last year of this series of projections is expected to have the best dividend of all for owners of Coles shares.

    The FY28 annual dividend per share is forecast to rise by 6.8% to 91 cents per share. I expect that will be comfortably above inflation, so that looks like a pleasing rate of payout growth to me. It would also mean the annual dividend grows by 17% between FY26 and FY28

    The predicted payout translates into a possible grossed-up dividend yield of 6%, including franking credits, at the time of writing.  

    Overall, this could be a useful time to consider Coles shares for the long-term.

    The post Here’s the dividend forecast out to 2028 for Coles shares appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Coles Group right now?

    Before you buy Coles Group shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Coles Group wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 20 Feb 2026

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    Motley Fool contributor Tristan Harrison 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.

  • 4 reasons to buy Transurban shares today

    Many cars travel on a busy six lane road way with other cars in the background travelling in the opposite direction.

    Transurban Group (ASX: TCL) shares have materially outpaced the S&P/ASX 200 Index (ASX: XJO) in 2026.

    Shares in the ASX 200 toll road developer and operator were recently trading for $14.98 apiece, up 5.6% year to date.

    The ASX 200, on the other hand, was down 0.6% for 2026 late this week.

    Atop that share price outperformance, Transurban also paid eligible stockholders an unfranked 34 cents per share dividend on 24 February.

    And looking ahead, Catapult Wealth’s Dylan Evans believes this $47 billion ASX 200 stock can keep outperforming (courtesy of The Bull).

    Here’s why.

    Should I buy Transurban shares today?

    “TCL operates toll roads in Australia and the United States,” Evans said.

    Citing the first reason he’s bullish on the ASX 200 stock, he said, “It generates reliable inflation linked cash flows, underpinning a relatively defensive stock.”

    Indeed, in an era of resurgent inflation, companies that can pass those rising costs on without suffering significant demand deterioration have a distinct advantage.

    When the company reported its March quarter results on 9 April, management noted, “Historically, Transurban has demonstrated resilience in periods of market dislocation, with more than 90% of revenue CPI-linked or with fixed escalations.”

    However, Evans cautioned, “The shares are sensitive to rising interest rates, partially due to its significant debt, which, in our view, has weighed on the stock in the past few years.”

    On the plus side, and supporting his buy recommendation on Transurban shares, he said, “During the same time, Transurban has been growing traffic volumes and has been involved in completing several significant projects, including the West Gate Tunnel in Melbourne.”

    As for the third reason you may want to buy shares now, he said, “Any easing in inflation and interest rates would boost the company’s performance.”

    Then there’s that welcome passive income on offer.

    “In the meantime, Transurban offers an attractive dividend yield, reliable earnings and a development pipeline with long term growth potential,” Evans concluded, rounding off the fourth reason he’s bullish on the stock.

    At recent prices, Transurban stock trades on an unfranked 4.5% trailing dividend yield.

    What’s the latest from the ASX 200 stock?

    The last release deemed price sensitive to Transurban shares was an April traffic market update, released on 4 May.

    Among the highlights the company reported that April saw commercial vehicle traffic on its toll roads across Australia increase by 10.8%.

    And traffic in its core Melbourne market was up by 1.6% in April, which management credits to the ongoing ramp-up of the West Gate Tunnel project.

    The post 4 reasons to buy Transurban shares today appeared first on The Motley Fool Australia.

    Should you invest $1,000 in Transurban Group right now?

    Before you buy Transurban Group shares, consider this:

    Motley Fool investing expert Scott Phillips just revealed what he believes are the 5 best stocks for investors to buy right now… and Transurban Group wasn’t one of them.

    The online investing service he’s run for over a decade, Motley Fool Share Advisor, has provided thousands of paying members with stock picks that have doubled, tripled or even more.*

    And right now, Scott thinks there are 5 stocks that may be better buys…

    * Returns as of 20 Feb 2026

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    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 positions in and has recommended Transurban Group. The Motley Fool Australia has positions in and has recommended Transurban Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.