It has been a tough year for ASX utilities stock LGI Ltd (ASX: LGI). 

LGI designs and installs biogas extraction systems. It recovers biogas from landfills and converts it into renewable electricity and saleable environmental products.

It now sits close to 52-week lows after falling over 30% this year. 

Why has this ASX utilities stock fallen this year?

While the business has continued to announce new projects, the share price has retreated significantly from yearly highs. 

LGI’s share price has fallen in 2026 despite continued operational progress, with the decline largely driven by weaker sentiment rather than a deterioration in the business. 

After a strong rally in 2025, investors have now taken profits while the broader market has become less willing to pay high valuations for growth-focused small caps.

Uncertainty surrounding Australian carbon credit prices, which influence a portion of LGI’s earnings, has also weighed on investor confidence.

Some catalysts for LGI over the next 12–18 months include growth in renewable electricity generation from new projects, ACCU (carbon credit) prices and policy developments, operating margins as new facilities mature and continued contract wins with landfill operators.

What is Morgan’s latest guidance on this ASX utilities stock?

Yesterday, the team at Morgans provided an updated outlook on LGI. 

The broker said LGI’s FY26 growth update (via social media) highlighted five newly registered carbon sites, strong ACCU creation and in-line electricity generation (130 GWh, +33% yoy), which it expects to more than offset the delayed Mugga Lane battery commissioning (now FY27, previously 2H FY26). 

While we view FY26 as intact, weaker wholesale electricity and LGC prices have weighed on the medium-term earnings outlook, driving material EPS revisions (FY27 -25%, FY28 -38%) and a de-rating in the stock. Near-term earnings face ongoing headwinds from weaker commodity prices, and we expect FY27 to step back before growth resumes.

Over the medium term, we continue to view LGI positively given the material development pipeline ahead (~4x FY25) as the group scales and executes its meaningful battery rollout. BUY, A$3.10ps price target.

From current levels, this price target from Morgans indicates just over 17% potential upside.

Elsewhere, it appears experts view this ASX utilities stock as undervalued. 

Four analyst forecasts via TradingView have an average one year price target of $4.11 on LGI shares. 

This indicates more than 50% upside from current levels. 

The post Morgans just placed a fresh buy rating on this ASX utilities stock  appeared first on The Motley Fool Australia.

More reading

• How have CSL shares performed over 10 years?
• 3 ways to get from $100,000 to $500,000 in retirement savings
• 5 things to watch on the ASX 200 on Thursday
• Own ACDC, FANG, or SEMI ETF? Global X is paying your dividend today!
• 3 amazing ASX ETFs I’d buy this month

Motley Fool contributor Aaron Bell 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 LGI Limited. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

CSL Ltd (ASX: CSL) was once the ASX healthcare share many investors wished they had bought years earlier.

For a long time, it seemed almost unstoppable.

But the past few years have changed the story completely.

So, how have CSL shares actually performed over the last decade?

The 10-year return

CSL shares are trading around $121.75.

Ten years ago, they were changing hands at around $119.00.

That means the share price has risen by approximately 2% over the decade.

That is a positive return, but it is much weaker than many investors would expect from a company that was once viewed as one of the highest-quality growth shares on the ASX.

Dividends have helped. CSL has paid 20 dividends over that period, totalling approximately $30.57 per share.

If those dividends are added to the share price gain, the total return becomes better. A shareholder who bought at $119 would have collected around $33.32 per share in combined capital gains and dividends, before tax and ignoring reinvestment.

That works out to a total return of roughly 28%.

What went wrong?

The frustrating part is that CSL shares were once much higher.

The stock traded around $315 in 2021, and was still around that level as recently as 2024.

At that point, long-term shareholders were sitting on a much stronger return. Since then, the decline has been painful.

I think the market has lost confidence in CSL’s growth story.

The plasma business was disrupted by the pandemic, and higher collection and manufacturing costs made the recovery harder. The Vifor acquisition has also disappointed many investors, with questions about whether CSL paid too much and whether the asset can deliver the returns once hoped for.

The vaccine business has added another problem. Lower flu vaccination demand, particularly in the US, has placed pressure on CSL Seqirus and made earnings feel less predictable.

When a company trades on a premium valuation, investors expect reliable growth. CSL has not delivered enough of that in recent years, so the share price has been heavily punished.

Should you buy CSL shares for the next 10 years?

I would still say yes. CSL has clearly lost some of its shine, and investors should not assume the next decade will look like the company’s best years.

But I think the sell-off has created a more attractive starting point.

The company still has global healthcare assets, deep scientific expertise, major plasma infrastructure, and exposure to medical needs that should remain important for many years.

I also think management has a chance to rebuild trust if earnings stabilise, costs improve, and the company proves that Vifor and Seqirus can become stronger contributors.

Foolish takeaway

CSL shares have delivered a modestly positive 10-year return, but the journey has been far from smooth.

The share price is only a fraction higher than it was a decade ago, although dividends lift the total return meaningfully.

The big lesson is that even outstanding companies can disappoint when expectations are too high.

For the next 10 years, I think CSL shares are worth buying on the belief that the business can recover, rebuild confidence, and deliver better growth than investors have seen recently.

The post How have CSL shares performed over 10 years? appeared first on The Motley Fool Australia.

More reading

• What did the market look like 10 years ago? Here’s what’s changed for the ASX 200
• Would Warren Buffett buy CSL shares?
• CSL shares are up 35% since early June. Is the recovery here to stay?
• Where could CSL shares go next? Here’s what brokers are predicting
• How to go from zero to $50,000 with ASX shares

Motley Fool contributor Grace Alvino has positions in CSL. 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.

The first $100,000 in retirement savings is a major milestone.

It shows the habit is already there. The money is invested, the balance has substance, and compounding has something to work with.

The next challenge is turning that foundation into something much larger.

I think there are three practical ways to help close the gap to $500,000.

Make future income do more of the work

The first way is to stop thinking only about the money already saved.

A $100,000 starting balance is a strong foundation, but there is still work to be done, and your salary will be key.

That could mean salary sacrifice into superannuation, making extra personal contributions where appropriate, or increasing contributions each time your income rises.

I like this approach because it avoids relying entirely on market returns. The portfolio still needs to grow, but regular contributions give compounding more capital to work with.

Even modest extra contributions can build momentum over time.

For example, someone who adds money every month is doing more than increasing the balance. They are buying more assets, collecting more future dividends or distributions, and giving themselves a larger base for long-term growth.

The mistake I would try to avoid is waiting until there is a large amount left over at the end of the year. Retirement savings often grow best when contributions become automatic and boring.

That may not sound exciting, but it can be key.

Own enough growth

The second way is to make sure the money is invested with enough long-term growth potential.

A portfolio that is too conservative may feel comfortable, but it can make the journey from $100,000 to $500,000 much harder.

For investors with enough time before retirement, I think growth assets need to do a lot of the work.

That could include ASX shares, international shares, and diversified funds or ETFs inside a super fund or personal portfolio. This could include ResMed Inc. (ASX: RMD), Microsoft Corp (NASDAQ: MSFT), or the Vanguard MSCI Index International Shares ETF (ASX: VGS).

The key is not just owning shares for the sake of it. I would want exposure to businesses that can grow earnings, reinvest, raise dividends, and benefit from long-term trends.

Broad ETFs can help here because they spread money across many companies and industries. Quality ASX shares can also play a role, especially businesses with strong market positions and the ability to compound over time.

The difference over long periods can be significant.

At 8% per year, $100,000 would grow to around $466,000 over 20 years before fees and tax, even without adding anything else.

That is close to the $500,000 target. Add regular contributions along the way, and the target becomes much more achievable.

Stop small leaks from becoming big problems

The third way is less exciting, but I think it is underrated.

Investors should watch the small leaks that quietly slow retirement savings down.

That can include high fees, duplicate accounts, unnecessary insurance inside super, poor cash holdings, weak investment options, or switching strategies too often.

None of these may look material in one year. But over 10, 20, or 30 years, they can make a meaningful difference.

I would also pay attention to behaviour. Selling during downturns, chasing last year’s strongest performer, or constantly changing funds can break the compounding process. Sometimes the best decision is to choose a sensible strategy and give it enough time to work.

This is where retirement savings can become a bit like a business. Revenue comes from contributions, growth comes from investment returns, and costs come from fees, tax, and mistakes.

The aim is to widen the gap between what is being added and what is being lost.

Foolish takeaway

Getting from $100,000 to $500,000 in retirement savings comes from combining three things: steady contributions, enough growth exposure, and fewer leaks along the way.

The journey may take time, and markets will not move smoothly. But a $100,000 starting point already gives investors something meaningful to build on. With the right habits and a long-term mindset, that balance can become a much larger retirement nest egg.

The post 3 ways to get from $100,000 to $500,000 in retirement savings appeared first on The Motley Fool Australia.

More reading

• 5 things to watch on the ASX 200 on Thursday
• How to invest $20,000 in ASX ETFs in July
• How I’d invest $10,000 in ASX shares for the next decade
• Analysts are still bullish on SpaceX shares after Nasdaq inclusion. Here is what that means for ASX investors
• The best Vanguard ETFs to buy and hold

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 Microsoft and ResMed. The Motley Fool Australia has positions in and has recommended ResMed. The Motley Fool Australia has recommended Microsoft and 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.