A $50,000 investment can give investors a solid starting point on the ASX.

And with exchange traded funds (ETFs), it can easily be spread across Australia, global markets, technology, cybersecurity, and robotics.

Here is one way to invest $50,000 in ASX ETFs this month.

Vanguard MSCI Index International Shares ETF (ASX: VGS)

I would start with the Vanguard MSCI Index International Shares ETF.

A $20,000 investment in this fund could form the core of the portfolio.

It gives investors exposure to a large number of companies across developed markets, such as the United States, Europe, Japan, and other major economies. This includes global healthcare companies, technology leaders, consumer brands, industrial businesses, and financial giants.

This fund could act as the foundation before adding more targeted ETFs around it.

Vanguard Australian Shares Index ETF (ASX: VAS)

Next, I would consider putting $10,000 into the Vanguard Australian Shares Index ETF.

This fund provides broad exposure to the local share market. That means investors can own a slice of Australia’s banks, miners, healthcare shares, retailers, property groups, infrastructure businesses, and industrial companies in one trade.

It also gives the portfolio exposure to Australian dividends and franking credits.

The local market is not as deep as global markets, but it still deserves a place in a balanced ASX ETF portfolio.

Betashares Global Cybersecurity ETF (ASX: HACK)

I would then put $7,500 into the Betashares Global Cybersecurity ETF.

Cybersecurity has become a permanent cost of operating in the digital economy.

Companies need to protect data, networks, cloud systems, employees, customers, and payments. As more activity moves online, the risks become larger and more complex.

This ASX ETF gives investors exposure to companies trying to solve those problems through identity security, endpoint protection, cloud security, threat detection, and network defence.

It is more targeted than a broad market fund, but the long-term demand drivers are hard to ignore.

Betashares Asia Technology Tigers ETF (ASX: ASIA)

Another $7,500 could go into the Betashares Asia Technology Tigers ETF.

This fund gives investors exposure to Asian technology companies, including businesses linked to semiconductors, hardware, ecommerce, gaming, and digital platforms.

It is a different type of technology exposure from a US-focused fund. Asia plays a major role in both building the digital economy and serving large, fast-moving consumer markets.

The risks are higher because the fund is concentrated by region and sector, but the long-term growth potential remains attractive.

Betashares Global Robotics and Artificial Intelligence ETF (ASX: RBTZ)

The final $5,000 could go into the Betashares Global Robotics and Artificial Intelligence ETF.

This fund gives exposure to companies involved in robotics, automation, artificial intelligence, drones, unmanned vehicles, and intelligent machinery.

It is a higher-risk holding, so I would keep the allocation smaller.

The opportunity is tied to industries trying to improve productivity, reduce labour constraints, and use smarter machines in more settings.

It was recently recommended by analysts at Betashares.

The post Where to invest $50,000 in ASX ETFs this month appeared first on The Motley Fool Australia.

More reading

• How to go from zero to $50,000 with ASX shares
• I’d buy these 5 ASX dividend investments for retirement income
• ASX ETFs are booming. Should you join in?
• How should I invest my money in FY27?
• 3 ASX ETFs to buy and hold for 10 years

Motley Fool contributor James Mickleboro has positions in Betashares Capital – Asia Technology Tigers Etf. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended BetaShares Global Cybersecurity ETF. The Motley Fool Australia has recommended Vanguard Msci Index International Shares ETF. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Investing your superannuation is a smart way to generate a reliable passive income for retirement.

Not only can it help you build wealth for later on in life, it also comes with the added bonus of low tax rates and long-term compounding.

But how much do you actually need in your super to be able to earn the passive income you want in retirement?

Let’s break it down, using a $50,000 per year passive income as an example.

How much do I need in my superannuation to earn $50,000 per year in passive income?

Working out the superannuation you’ll need to earn that level of passive income is more straightforward than you’d think.

Simply divide your annual passive income by the dividend yield of your portfolio.

Of course, the hard part is that the answer varies significantly depending on the dividend yield of your portfolio. 

For example, a portfolio with a dividend yield of around 5% only needs to be half the size of one with a dividend yield of around 2.5% to generate the same level of passive income. 

Breaking it down further

If your overall portfolio has a dividend yield of around 3%, you’ll need a balance of around $1.66 million to earn $50,000 per year in passive income.

Then, as your portfolio’s dividend yield increases, the superannuation balance required to earn the same passive income decreases. Say the yield of your portfolio is around 4%, for example, your balance would need to be closer to $1.25 million to earn the same dividend income.

For a 5% yielding portfolio, you’d need a balance of closer to $1 million to earn the same amount.

Increase that to a 6% or 7% dividend yield, and you’re looking at closer to $833,000 or $714,000. You’d still earn $50,000 per year in passive income from these portfolio sizes.

ASX shares around these dividend yields

There is a huge range of options, but here are a few of my favourite ASX dividend shares to get you started.

At a 2%-3% dividend yield, I’d look at well-known companies like Coles Group Ltd (ASX: COL) or Commonwealth Bank of Australia (ASX: CBA).

For options yielding closer to 4%, my choices would be banking giants such as National Australia Bank Ltd (ASX: NAB) or ANZ Group Holdings Ltd (ASX: ANZ).

If you want a slightly higher yield around 5% or 6%, I’d invest in something like Santos Ltd (ASX: STO) or Woodside Energy Group Ltd (ASX: WDS).

Then your high-yield players could include GQG Partners Inc (ASX: GQG) or IPH Ltd (ASX: IPH). These yield 7% or more.

The post How much do I need in my superannuation to get $50k per year in passive income? appeared first on The Motley Fool Australia.

More reading

• 9 ASX 200 shares with reiterated buy calls this week
• Which is the best buy, Coles shares or Wesfarmers shares?
• Your FY27 tax return will look different. Here’s what changed and how to prepare
• How to go from zero to $50,000 with ASX shares
• Forget CBA shares! I’d rather buy these ASX dividend shares

Motley Fool contributor Samantha Menzies 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 Gqg Partners and IPH Ltd. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

WiseTech Global Ltd (ASX: WTC) is not an easy share to assess right now.

There has been plenty of noise around the technology company, the share price has fallen sharply from its highs, and market confidence is clearly weaker than it was.

But sometimes a difficult story can still contain a very attractive long-term opportunity.

That is how I see WiseTech today.

Why I would buy WiseTech shares

I would be willing to invest $2,500 into WiseTech shares, but I would do it with a long-term mindset.

This is not the kind of business I would buy expecting the market to change its mind immediately. Sentiment may take time to recover, and investors may want more evidence that management can keep executing through the noise.

What keeps me interested is the size of the prize.

WiseTech is trying to become the operating system for global trade and logistics. That is a big ambition, but it is not just a slogan. The company already serves more than 22,000 logistics companies and other industry participants across almost 200 countries. This includes 46 of the top 50 global third-party logistics providers and 23 of the 25 largest global freight forwarders.

With the recent e2open acquisition, WiseTech says its network now reaches more than 500,000 connected enterprises across manufacturing, logistics, channels, and distribution.

That gives the company a much larger platform to build from.

The opportunity is expanding

The recent Macquarie conference update showed how WiseTech is thinking beyond its original logistics software base.

CargoWise remains the foundation. But the company is now talking about multiple deep vertical markets, including logistics and transport, global trade, trade finance and banking, customs and government agencies, and verified identity, trust, trade, and data.

I think that is what makes the business more compelling.

Global trade is full of friction. Goods need to move across borders, through warehouses, across transport networks, through customs systems, and into the hands of end customers. At each step, there are documents, risks, delays, payments, compliance requirements, and data problems.

WiseTech is trying to digitise more of that complexity.

It also believes agentic AI can help customers automate large parts of logistics and customs workflows. The company estimates this could remove up to around 50% of labour costs for logistics service providers over time.

That is a major claim, and investors should watch execution closely. But if WiseTech can deliver even part of that productivity improvement, its software could become even more valuable to customers.

There are risks

I would not pretend WiseTech shares are a simple buy.

The company needs to integrate e2open well, rebuild confidence, manage leadership and governance questions, and prove that its expanded strategy can translate into earnings growth.

There is also the risk that the market remains cautious for longer than investors expect.

That is why I would think carefully about position size. A $2,500 investment could make sense as a measured entry point into a volatile growth share, rather than a bet that everything improves quickly.

Foolish Takeaway

I think WiseTech shares are worth buying for patient investors.

The market is clearly focused on the risks, and some of that caution is fair. But I think the company’s role inside global trade infrastructure is still underappreciated.

WiseTech is not just selling software to freight forwarders. It is building a broader digital network across logistics, trade, compliance, data, and finance.

That will take time to prove, and the share price may remain bumpy along the way. But for investors willing to look out several years, I think putting $2,500 into WiseTech shares could be a smart move.

The post Should I invest $2,500 into WiseTech shares? appeared first on The Motley Fool Australia.

More reading

• 10 fantastic ASX shares to buy for FY27
• Has the WiseTech share price finally hit the bottom after crashing 50%?
• 9 ASX 200 shares with reiterated buy calls this week
• Two ASX tech shares hinge on rebuilding trust and growth. Here’s how they can turn around
• How low could WiseTech shares go?

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 Macquarie Group and WiseTech Global. The Motley Fool Australia has positions in and has recommended WiseTech Global. The Motley Fool Australia 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.