The CSL Ltd (ASX: CSL) share price has experienced significant volatility over the last few years following the COVID-19 pandemic. The last year has been challenging for shareholders, as the chart below shows.

The ASX biotech share has a diversified earnings business, yet many of them are facing a challenging operating environment. CSL operates in areas like immunoglobulin products, albumin, HEMGENIX, iron deficiency treatment, plasma and recombinant therapies, and vaccines.

Let’s look at the performance of the CSL share price and what would have happened to $10,000.

A heavy decline for the ASX biotech share

In the past year, the CSL share price has more than halved (it has dropped 51.6%), and it’s down 57% from August 2025.

With such a painful drop, a shareholder who had $10,000 a year ago now only has an investment that’s worth just over $4,800. A little bit of dividend income may have helped offset a small part of that decline, but investors are certainly facing big losses.

Its latest update demonstrated the problems it’s experiencing.

The company now expects FY26 revenue to be around $15.2 billion, while underlying net profit (NPATA) – excluding restructuring costs and impairments – could be around $3.1 billion. Both of those guided figures are both on a constant currency basis.

There were a few different negatives in that update.

In US immunoglobulin, while demand is growing in the mid-to-high-single-digits, consistent with CSL’s expectations, reported revenue will reflect CSL’s normalisation of channel inventory, resulting in approximately $300 million of revenue being impacted.

Additionally, with its albumin in China, while CSL’s share has expanded and volumes have stabilised, market value has declined, resulting in an expected venue impact of approximately $200 million.

CSL also said that impacts from the Middle East conflict, revised HEMGENIX growth and competition in iron collectively resulted in an expected revenue impact of approximately $150 million.  

But, on the positive side of things, CSL continues to expect revenue growth in the second half of FY26 for CSL Behring, supported by “underlying demand, ongoing commercial execution and benefits from operational and transformation initiatives”.

Finally, the financial performance of the vaccine business (Seqirus) in FY26 is expected to be “moderately stronger than previously anticipated”.

It said it expects to recognise approximately $5 billion of impairments across FY26 and FY27.

Is the CSL share price a buy?

Analysts are still feeling somewhat cautious on the business, despite the much lower valuation.

According to CMC Invest, there have been 11 ratings on the business in the last three months, with three buy ratings and eight hold ratings.

The average price target on the CSL share price is $135.28. That implies a possible rise of 16% in the next year.

Despite such a large decline, little recovery is expected, so there could be better opportunities out there.

The post $10,000 invested in CSL shares 12 months ago is now worth… appeared first on The Motley Fool Australia.

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

A new month is on the horizon, so what better time to consider making some investments.

If exchange traded funds (ETFs) are on your shopping list and you have $5,000 to invest, then it could be worth checking out these three ASX ETFs listed below. Here’s what they offer:

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 Australia’s technology sector in one trade.

That makes it quite different from many local share market funds, which are often dominated by banks, miners, supermarkets, and large industrial companies.

The Betashares S&P/ASX Australian Technology ETF opens the door to businesses that are helping digitise the economy. That can include software companies, online marketplaces, data-driven businesses, and technology-enabled platforms.

Australia has produced several impressive technology companies, and the market could produce more as businesses continue shifting processes, payments, data, and customer interactions online.

For investors who want local exposure but do not want another fund shaped mainly by traditional blue chips, it could offer something different.

VanEck Global Defence ETF (ASX: DFND)

Another ASX ETF that could be worth considering is the VanEck Global Defence ETF.

This fund gives investors exposure to listed global companies involved in the defence industry.

The investment case here is not built around a short-term market fad. Defence spending is being shaped by geopolitical tension, military modernisation, cybersecurity needs, supply chain security, and the push by governments to strengthen national capability.

That can create long-term demand for companies involved in aerospace, defence systems, communications, surveillance, naval technology, and related equipment.

This is a more specialised ETF, so it should be expected to move differently from a broad market fund.

As a result, it may appeal to investors who believe defence will remain a strategic priority for governments over the next decade. However, it also comes with sector concentration risk, as performance will be tied closely to spending cycles, contracts, policy decisions, and global security conditions.

VanEck MSCI International Quality ETF (ASX: QUAL)

A third ASX ETF to dig deeper into is the VanEck MSCI International Quality ETF.

This fund is designed for investors who want global exposure but with a quality filter.

It focuses on international companies with stronger financial characteristics. That can mean businesses with solid profitability, healthier balance sheets, and more dependable earnings profiles.

That quality screen can be useful when markets are uncertain. Companies with strong financial foundations often have more flexibility. They can keep investing, protect margins, and manage harder conditions without being forced into short-term decisions.

All in all, it could be a strong option for investors wanting international diversification with a quality focus.

The post Where to invest $5,000 in ASX ETFs in July appeared first on The Motley Fool Australia.

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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 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.

One of the best things about Australia’s wealth and retirement system is system is superannuation, which offers a lower tax rate compared to someone working full-time. Superannuation is great for passive income, whether that’s in retirement or building wealth towards retirement.

If I were investing $8,000 into superannuation, I’d look for ideas that offer long-term growth potential, while still providing a high dividend yield. Investing in superannuation should mean we can put the money to work for many years, giving it more time for compounding.

I’ll run through a couple of investments that I think could be excellent long-term buys. If an investor had $8,000 to invest (or more), I’d definitely recommend the following ideas.

Washington H. Soul Pattinson and Co. Ltd (ASX: SOL)

I think Soul Patts may be the very best idea for superannuation investing.

The investment house has the ASX record for the longest streak of annual dividend increases – it has grown its regular payout every year for 28 years in a row!

If I were investing in a business for passive income, I’d want to choose a name I’d be extremely confident is likely to pay more next year. I wouldn’t want a payout cut when I’m relying on that income. Plus, the regular dividend growth helps offset (and outpace) inflation.

Another benefit of Soul Patts is that it has a diversified portfolio across a number of industries like energy, resources, telecommunications, property, swimming schools, agriculture and electrification, among many others.

With steadily growing investment cash flow, Soul Patts can fund larger dividends to investors. It regularly makes new investments too, helping its portfolio grow in value, which is a tailwind for the Soul Patts share price.

I think it has a solid starting dividend yield, which can rise over time. Its current grossed-up dividend yield, including franking credits, is 3.5%. I believe that’s a good starting point for superannuation.

WCM Quality Global Growth Fund (ASX: WCMQ)

Another ASX investment I really want to highlight is this exchange-traded fund (ETF) which gives investors exposure to a compelling portfolio of international shares.

There are a few very appealing index funds that have low fees while providing exposure to strong global companies. Many of these ETFs are also becoming increasingly concentrated on just a few large US tech shares. That has both its positives (great businesses) and negatives (concentration risk).

However, the WCMQ ETF looks to invest in a portfolio of between 20 to 40 high-quality stocks that have expanding economic moats. In other words, their competitive advantages are getting stronger as time goes on. Additionally, the WCM investment team wants to see that the business has a corporate culture that can support improvements of the competitive advantages.

The fund as returned an average of 15.1% per year since August 2018 and it targets a minimum annualised cash yield of 5% per year.

These two investments, along with other ASX shares, could be an excellent buy for the long-term in superannuation.

The post How to invest $8,000 for passive income in superannuation? appeared first on The Motley Fool Australia.

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Motley Fool contributor Tristan Harrison has positions in Washington H. Soul Pattinson and Company Limited and Wcm Quality Global Growth Fund. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Washington H. Soul Pattinson and Company Limited. The Motley Fool Australia has positions in and has recommended Washington H. Soul Pattinson and Company Limited. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.