When it comes to superannuation, it pays to start planning as early as possible, so you know exactly what you’re in for as you approach retirement.

Figures released by the Association of Superannuation Funds of Australia show that on average, people do not have enough in their superannuation for what they deem to be a comfortable retirement.

If you’re keen to figure out how much you can expect to have in your superannuation when you retire, be that at age 60 or later, there are plenty of calculators around; however, I’d suggest the Federal Government’s MoneySmart website as the one to use.

How much income can I generate from my superannuation?

Looking at a lump sum of $800,000, the good news is that it’s well above the $630,000 ASFA says you need for a comfortable retirement as a single person.

Keep in mind that ASFA assumes you own your own home and draw a part of the Age Pension.

So how much could you expect to earn from your $800,000 in investments?

If you are simply drawing dividends and not drawing down any of the capital, the sums are quite simple.

If you can earn a 10% yield – which would be ambitious – you would earn $80,000, while if you were earning a 5% yield, the amount would be $40,000.

I’d suggest a yield somewhere between these two is achievable, so let’s assume a 7.5% return, which would return $60,000.

What makes this even more realistic is that once you are retired, your tax rate on your superannuation drops to zero, and you get the full benefit of franking credits.

This means that if a share pays a 5% yield, the retiree receives a yield of 7.14% once franking credits are added back in.

Franking credits compensate shareholders for tax already paid by the company.

Which shares generate good income streams?

So, what are some shares that might be worth owning if you’re aiming for these sorts of returns?

A consistent high dividend payer is Universal Store Ltd (ASX: UNI), which is currently paying right on 5%, while Regal Partners Ltd (ASX: RPL) just declared an improved first-half dividend and is paying an annualised rate of 9.7%.

The Betashares Australian Dividend Harvester ETF (ASX: HVST) is paying 5.54%, while another dividend-focused fund, WAM Income Maximiser Ltd (ASX: WMX), is paying 4.29%.

Among the blue-chip shares, BHP Group Ltd (ASX: BHP) is paying 3.72%, while Telstra Ltd (ASX: TLS) is paying 4.43%, and Woodside Energy Group Ltd (ASX: WDS) is paying 4.89%.

So as you can see, there are plenty of companies paying healthy dividends, which can help you attain your income aspirations.

The post How much passive income can I earn off my $800,000 superannuation balance? appeared first on The Motley Fool Australia.

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

The Ingenia Communities Group (ASX: INA) share price will be on watch on Wednesday after the company beat both EPS and EBIT guidance and posted a 45% jump in statutory profit. Revenue also grew by 8% for FY26, supporting continued delivery on the Group’s five-year plan.

What did Ingenia Communities report?

• Statutory profit of $186.4 million, up 45% on FY25
• Group revenue of $555.3 million, up 8% year on year
• EBIT of $193.4 million, exceeding guidance and up 18%
• Underlying EPS of 35.8 cents, up 16% and above guidance
• Distribution per security maintained at 9.6 cents
• 573 new home settlements, a 10% lift on the prior year

What else do investors need to know?

Ingenia continues to scale its portfolio, with an enlarged development pipeline now supporting up to 8,800 potential new land lease home sites. The company reported steady recurring rental income and strong demand underpinning tourism and residential communities.

During FY26, Ingenia invested $240 million in growth initiatives, including $174 million in development. Notably, ongoing asset sales (totalling around $125 million) aim to further boost capital flexibility.

Operating cash flow rose 5% year on year to $152.5 million, despite higher borrowing costs. The company’s balance sheet remains sound, with gearing at 31% and available liquidity to fund upcoming projects and acquisitions.

What did Ingenia Communities management say?

Ingenia CEO and Managing Director John Carfi said:

Two years into the delivery of our strategic plan, this result shows the benefit of ongoing focused execution and builds on the progress achieved in Year 1, demonstrating clear progress against our financial and strategic goals. Underlying EPS and EBIT exceeded guidance, development returns improved and our recurring revenue base continued to grow.

We remain on track to achieve our Year 3 and Year 5 goals, subject to market conditions, supported by a streamlined operating structure, ongoing refinements to the platform and a stable corporate cost base that enables disciplined execution.

What’s next for Ingenia Communities?

Ingenia is targeting EBIT and underlying EPS growth of 0–10% for FY27, citing moderate market activity and buyer sentiment in the near term. The Group expects to benefit from its flexible business model, strong demand for affordable housing, and targeted capital recycling to support new growth.

Looking ahead, Ingenia will focus on scaling development, integrating new acquisitions, and optimising its operational platform. The company remains confident that continued execution of the five-year plan and a diversified revenue base will support growth, even as some cost and market challenges persist.

Ingenia Communities share price snapshot

Over the past 12 months, the Ingenia Communities share price has underperformed the S&P/ASX 200 index (ASX: XJO) with a decline of almost 30%.

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The post Ingenia Communities posts strong FY26 with profit up 45% and guidance exceeded 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. This article was prepared with the assistance of Large Language Model (LLM) tools for the initial summary of the company announcement. Any content assisted by AI is subject to our robust human-in-the-loop quality control framework, involving thorough review, substantial editing, and fact-checking by our experienced writers and editors holding appropriate credentials. The Motley Fool Australia stands behind the work of our editorial team and takes ultimate responsibility for the content published by The Motley Fool Australia.

The Steadfast Group Ltd (ASX: SDF) share price will be in focus on Wednesday after the company reported underlying diluted EPS of 28.8 cents, up 7.7%, and a 9% increase in its final fully franked dividend to 12.75 cents per share.

What did Steadfast Group report?

• Underlying revenue: $2,104.7 million, up 15.3% on FY25
• Underlying NPATA: $366.3 million, up 7.1%
• Underlying NPAT: $319.5 million, up 8.2%
• Underlying EBITA: $669.8 million, up 13.8%
• Final dividend: 12.75 cps fully franked (up 9%); total FY26 dividends: 20.95 cps, up 7.4%
• Statutory NPAT: $269.1 million, down from $334.9 million

What else do investors need to know?

Steadfast’s growth came from both organic initiatives and acquisitions. Gross written premium (GWP) in its Australasian Network rose 6.2% to $13.2 billion, with underlying EBITA up 13.2% for this segment. The Group also highlighted successful broker hubbing strategies designed to drive efficiency and further growth.

The company has entered into a Scheme Implementation Deed with Amwins Australasia Group and Starboard BidCo. The Steadfast Board unanimously recommends shareholders vote in favour of the Scheme, subject to no superior proposal and a positive independent expert report.

Underwriting Agency operations generated $2.5 billion of GWP, up 2.3%, while strong organic growth also supported Steadfast’s international business, contributing to a favourable EBITA result.

What did Steadfast Group management say?

Managing Director & CEO Robert Kelly AM stated:

I am pleased to present our FY26 results, continuing Steadfast’s track record of accretive growth since listing in August 2013. Despite a challenging operating environment, disciplined execution and strong cost management, we delivered solid performance and positioned the business for continued long-term growth.

What’s next for Steadfast Group?

Looking ahead, Steadfast is guiding for underlying NPATA of $382–$392 million and underlying NPAT of $333–$343 million for FY27. The company expects underlying EBITA of $700–$715 million and EPS growth of 4–8%.

Management sees further growth opportunities, with expectations of 2–3% increases in insurance premium pricing and ongoing benefits from its broker and agency network strategies, both in Australia and internationally.

Steadfast Group share price snapshot

Over the past year, the Steadfast Group share price has underperformed the S&P/ASX 200 index (ASX: XJO) with a decline of 5%.

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The post Steadfast Group FY26 earnings: Profits and dividend on the rise 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 positions in and has recommended Steadfast Group. The Motley Fool Australia has positions in and has recommended Steadfast Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips. This article was prepared with the assistance of Large Language Model (LLM) tools for the initial summary of the company announcement. Any content assisted by AI is subject to our robust human-in-the-loop quality control framework, involving thorough review, substantial editing, and fact-checking by our experienced writers and editors holding appropriate credentials. The Motley Fool Australia stands behind the work of our editorial team and takes ultimate responsibility for the content published by The Motley Fool Australia.