Of all of the blue chip shares on the S&P/ASX 200 Index (ASX: XJO), Commonwealth Bank of Australia (ASX: CBA) shares probably command the largest army of long-term investors. 

This is likely down to a few factors. For one, CBA is one of the largest companies in Australia, and certainly the largest consumer-facing one. A good chunk of us bank with CBA, and use its products and services daily. For another, Commonwealth Bank used to be a publicly owned company before it was privatised back in the 1990s. The manner of its privatisation, where shares were offered to the general public in huge tranches, resulted in a huge retail base of ‘mum-and-dad investors’. 

Many of these original buyers of CBA still hold their shares today.

And they have always been lavishly rewarded for doing so. 

Back in the 1990s, CBA shares were floated at a few different prices, one as low as $5.40. Given the bank hit $25 a share in 1999, $60 in 2007, $95 in 2015 and $192 (its current all-time high) in 2025, selling this ASX bank stock has always looked like a mistake in hindsight.

Particularly when considering that these healthy capital gains have always been accompanied by even healthier dividend returns. Like its peers in the banking sector, CBA has tended to pay fat, fully franked and rising dividends, albeit with some short-term volatility.

Considering CBA shares’ history of capital growth, as well as its dividend track record, many investors might want to know how just how profitable this bank stock has been over the last ten years. That’s what we’ll be diving into today.

CBA shares: Just how much money have investors made since 2016?

So let’s assume an investor bought $10,000 worth of CBA shares back in July of 2016. Early in that month, you could have picked up this bank for just $72.56, meaning $10,000 would have got you approximately 138 shares.

At the time of writing, those same shares are going for $164.56 each, down 0.28% for the session thus far. That means our $10,000 would today be worth about $22,710, representing a compounded average growth rate of about 8.53% per annum. Not bad for a big ASX bank.

But that’s before we get to the dividends.

CBA has paid out two dividends every year since 2016. These have varied from year to year, but have trended upwards over time. For example, the bank doled out $4.29 worth of dividends over 2017, $3.50 in 2021, and $4.85 over 2025. 

Since mid-2026, investors have enjoyed a total of $41.81 in dividends per share. Our investors’ 138 shares would have thus yielded a total of roughly $5,770 in dividend income over the last ten years as well.

So our investor who started with $10,000 ten years ago would today have a position worth approximately $28,480. That represents an overall compounded growth rate of 11.03% per annum. Not a bad return for a bank. But let’s see what CBA shares deliver over the next ten years.

The post Owned CBA shares for 10 years? Here’s how much money you’ve made appeared first on The Motley Fool Australia.

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Motley Fool contributor Sebastian Bowen 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.

Share price falls can create better entry points when the underlying business still has a long runway.

That is how I see Zip Co Ltd (ASX: ZIP) and WiseTech Global Ltd (ASX: WTC).

Both shares have fallen heavily from their highs, both remain volatile, and both still need to keep proving themselves.

Even so, I think they are worth buying today.

Zip shares

Zip shares are down around 35% from their high, despite a strong recent recovery.

The share price has climbed around 25% over the past month, which shows that investors are starting to warm to the story again. But I do not think the opportunity has disappeared.

The reason I like Zip is that the company has moved beyond the old growth at any cost story.

A few years ago, many investors viewed buy now, pay later (BNPL) companies with scepticism, and fairly so. The sector was highly competitive, funding costs mattered, and profitability was not always clear. Zip now looks like a much more disciplined business.

It is the US opportunity that interests me most. Zip is targeting a very large market where many consumers still want flexible payment options and may not be well served by traditional credit products.

If Zip can keep growing transaction volumes while managing credit quality and improving profitability, the upside could be material.

The company will not have a smooth ride. Payments and consumer finance can be sensitive to economic conditions, regulation, and investor sentiment.

But I think the market may still be underestimating what a better-run Zip could become.

WiseTech shares

WiseTech shares have had an even tougher run, falling almost 70% over the past 12 months.

Clearly, sentiment is weak and confidence may take time to rebuild, especially for a company that was once priced for a lot of growth.

But I think WiseTech remains one of the highest-quality software businesses on the ASX.

The company’s CargoWise platform helps logistics companies manage the messy work behind global trade. Freight forwarding, customs, compliance, documentation, tracking, tariffs, shipping data, and warehouse coordination all involve enormous complexity. That is where software can become valuable.

I like businesses that solve problems customers deal with every day. WiseTech is trying to become core infrastructure for companies that move goods around the world.

That can create sticky customer relationships if the software keeps improving.

The risks are clear. WiseTech needs to maintain growth, execute on acquisitions, manage governance concerns, and rebuild market trust. A recovery in the share price may not happen quickly.

But I think the long-term opportunity remains very attractive. Global trade is unlikely to become less complex, and logistics companies should keep looking for better digital tools.

Foolish takeaway

I think Zip and WiseTech are both buys, but neither is the kind of share investors should expect to behave calmly.

That is part of the opportunity. The market has already taken a much more cautious view of both companies, even though the long-term growth stories still look alive to me.

Zip needs to keep proving that its recovery is built on better discipline, not just improving sentiment. WiseTech needs to rebuild confidence and show that its software platform can keep growing into a much larger global opportunity.

That makes both shares higher-risk buys, but I think the potential reward is now interesting enough to justify a closer look.

The post Down 35%+, should you buy Zip and WiseTech shares? appeared first on The Motley Fool Australia.

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

Some ASX 200 shares earn a place in a portfolio because they look cheap.

Others earn a place because the quality of the business is hard to ignore.

That is the way I see the two shares below. They are rarely available at bargain prices, but I think both have the kind of long-term strengths that can make them valuable holdings for patient investors.

Commonwealth Bank of Australia (ASX: CBA)

CBA is not usually the cheapest bank on the ASX, and I would not expect that to change.

But I still think it is one of the highest-quality blue-chip shares on the market.

The reason is quality. CBA has a leading retail banking franchise, a huge customer base, a strong deposit position, and one of the best digital banking platforms in the country. Those advantages can be easy to underappreciate when investors are focused only on valuation.

Banking is never risk-free. Bad debts, housing market weakness, competition, and regulation can all affect earnings.

Even so, I think CBA remains the strongest bank in Australia. It has scale, brand strength, customer trust, and a long record of navigating different economic conditions.

For investors wanting exposure to the banking sector, I would rather own the business I think is best positioned than simply chase the cheapest option.

That is why I would want CBA in my portfolio.

TechnologyOne Ltd (ASX: TNE)

TechnologyOne is another ASX 200 share I would want to own for the long term.

The company provides enterprise software to customers such as councils, government departments, universities, and large organisations. These customers need reliable systems to run important operations, from finance and payroll to property, student administration, and compliance.

That gives TechnologyOne a useful kind of resilience. Its customers are not buying software for fun. They are using systems that help them operate properly. Once those systems are embedded, they can be difficult and disruptive to replace.

I also like the long-term shift toward cloud-based software. If TechnologyOne can keep improving its platform and expanding in markets such as the UK, I think it has room to grow annual recurring revenue (ARR) at a strong clip for years to come.

The shares can trade at a premium, so valuation is important. But I think world-class businesses are often worth considering even when they are not obviously cheap.

For me, TechnologyOne has the product quality, customer relevance, and growth runway to be a long-term winner.

Foolish takeaway

I think CBA and TechnologyOne are two ASX 200 shares I would be happy to own in my portfolio.

What I like about both is that their strengths are not built on short-term excitement. They come from scale, trust, customer relationships, and products or services that are deeply woven into daily activity.

Both companies can look expensive at times, and neither is without risk. But I think the best portfolios should include businesses with durable advantages, long-term relevance, and the ability to keep compounding value.

That is why these two world-class ASX 200 shares stand out to me.

The post 2 world-class ASX 200 shares I want in my portfolio appeared first on The Motley Fool Australia.

More reading

• ASX 200 slips as Friday’s rally fades
• Owned CBA shares for 10 years? Here’s how much money you’ve made
• How much do I need in superannuation to receive $5,500 per month in passive income?
• 10 of the best ASX shares to buy in FY 2027
• Should I buy, hold, or sell CBA shares in July?

Motley Fool contributor Grace Alvino has positions in Commonwealth Bank Of Australia. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Technology One. 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.