If I had $10,000 to invest in ASX 200 shares in FY27, I would focus on businesses with room to grow for years.

The market can move quickly, and FY27 will almost certainly bring surprises. But I think the best starting point is still quality.

With that in mind, these are three ASX 200 shares I would consider buying.

Netwealth Group Ltd (ASX: NWL)

Netwealth is one ASX 200 share I would want exposure to in FY27.

At its core, the company helps financial advisers and their clients manage wealth through a modern investment platform. But I think the more interesting point is what that platform allows advisers to do.

Advice businesses are under pressure to serve clients more efficiently, manage more paperwork, provide better reporting, and build portfolios that can be tailored to individual needs. That creates a strong reason for advisers to use technology that reduces friction. Netwealth sits inside that workflow.

The company benefits when more funds move onto its platform, but I think the long-term opportunity is about more than simply gathering assets. It is about becoming part of the operating system for wealth advice.

Australia has a large pool of retirement savings, and many investors will need help managing that money over time. If Netwealth can keep making advisers’ jobs easier, it should have a long runway.

Breville Group Ltd (ASX: BRG)

Breville is another ASX 200 share I would buy for FY27.

I see Breville as a business built around small moments that happen every day. Coffee in the morning, toast before school, dinner after work, and a weekend meal prepared properly.

That may sound simple, but those routines are exactly why the brand can be powerful. A well-designed kitchen appliance can become part of daily life, and customers who trust the brand may return when they upgrade or move into a new category.

Breville also has a global opportunity. The company is not limited to Australia, and its premium positioning can travel well if the products keep earning their place on kitchen benches.

The coffee category remains an important growth driver, but I also like the broader idea. Breville is trying to sell better tools for the home, not just appliances. That gives it a richer brand story than a standard retailer.

Overall, I think Breville’s design culture, international reach, and category focus make it one of the more interesting consumer growth shares on the ASX.

Lovisa Holdings Ltd (ASX: LOV)

Lovisa is the third ASX 200 share I would consider for FY27.

The jewellery retailer has built a business around fast product turnover, affordable pricing, and a store format that can be rolled out across many markets.

What I find interesting is the repeat nature of the purchase. Lovisa is not selling items that customers necessarily buy once every few years. Fashion jewellery can be tied to outfits, events, gifting, travel, seasons, and changing styles. That gives the business plenty of chances to bring customers back.

The model also has a useful simplicity. Small-format stores, high product density, and a sharp focus on one category can support attractive economics when execution is strong.

But the global store opportunity is the main attraction in my opinion. Lovisa has already shown that the concept can work outside Australia, and I think there is still room to expand in existing and new markets. And if management continues to execute, Lovisa could be a much larger company over the long term.

Foolish takeaway

If I were investing $10,000 in ASX 200 shares in FY27, I would want businesses that can become more valuable through execution rather than simply waiting for the economy to improve.

Netwealth, Breville, and Lovisa all have different growth engines, but each has a clear way to keep expanding if management keeps making good decisions.

That is the appeal for me. FY27 may bring volatility, but quality businesses with long runways can still reward investors who give them enough time.

The post Where I’d invest $10,000 in ASX 200 shares in FY27 appeared first on The Motley Fool Australia.

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Motley Fool contributor Grace Alvino has positions in Lovisa. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Lovisa and Netwealth Group. The Motley Fool Australia has positions in and has recommended Netwealth Group. The Motley Fool Australia has recommended Lovisa. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Temple & Webster Group Ltd (ASX: TPW) has been a painful share to own over the past year.

The online furniture and homewares retailer has fallen heavily, which means investors have clearly lost confidence in the near-term outlook.

In fact, Temple & Webster shares ended last week at $5.67, which is 80% below its 52-week high of $29.06.

Despite the market falling out of love with it, I think the longer-term opportunity is still worth taking seriously.

But it is important to remember that this is a higher-risk ASX growth share. Even so, I think Temple & Webster could be worth the risk for patient investors.

A large market moving online

Furniture and homewares is a big category. People need beds, sofas, tables, chairs, rugs, lighting, storage, office furniture, outdoor settings, and décor. Those purchases can be delayed when conditions are tough, but the category does not disappear.

The long-term question is how much of that spending keeps shifting online.

I think Temple & Webster is well placed if more customers become comfortable buying larger household items digitally. Online shopping allows people to compare products, styles, colours, dimensions, reviews, and prices without walking through multiple stores.

That can be especially useful in furniture, where range matters.

A traditional store has limited floor space. Temple & Webster can offer a much broader catalogue, giving customers more choice across styles and price points.

The model has attractive potential

The appeal of Temple & Webster is not just the online furniture theme.

It is the possibility that scale can make the business more efficient over time.

As the brand grows, the company should have more data on what customers want, which products convert, where demand is strongest, and how to improve the buying experience. Better data can help with marketing, product range, pricing, and customer retention.

The business can also keep improving delivery, supplier relationships, and private label opportunities.

That does not guarantee success. Execution will be crucial. But I like businesses where the model can become stronger with scale, and Temple & Webster has that potential.

Why I’d consider buying

I think the market can become too focused on the short-term discomfort around consumer discretionary retail.

Consumer spending is under pressure at times, just like now as interest rates rise, and furniture can be a lumpy category. But investors buying today are not buying the same share price as a year ago.

They are buying a business with a lower market valuation and, in my view, a long runway if management keeps improving the customer proposition.

Temple & Webster will suit investors who can accept volatility. It is unlikely to feel like a smooth ride. But I think the online opportunity, brand position, and operating leverage potential make it one ASX growth share worth considering after its heavy fall.

Foolish takeaway

Temple & Webster is not a defensive stock. It is a growth share that requires patience and a tolerance for uncertainty.

That said, the business is operating in a large category where online penetration can still grow. If the company keeps building trust, improving range, sharpening logistics, and using data well, the current weakness could eventually look like an opportunity.

I think this is a share for investors who can look past a difficult period and focus on what the business could become over the next five to 10 years.

The post Down 80%, could this ASX growth share be dirt cheap? 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 Temple & Webster Group. The Motley Fool Australia has recommended Temple & Webster Group. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Some investors spend years searching for the perfect ASX share.

They wait for the perfect entry point, the perfect broker note, the perfect chart setup, or the perfect market conditions.

The bigger opportunity may be much simpler.

For many investors, the most powerful strategy is to just buy quality ASX shares and exchange traded funds (ETFs) regularly, then give the portfolio enough time to compound.

It sounds almost too basic, but that is exactly why it can work.

The habit matters more than the headline

Markets are noisy. There will always be a reason to wait. Interest rates may look uncertain, valuations may look stretched, earnings season may be approaching, or the economy may feel too fragile.

The problem with waiting for comfort is that markets rarely offer it at the right time.

Regular investing removes some of that pressure. Instead of trying to guess the best day to buy, investors put money to work consistently across different market conditions.

That means some purchases will be made when prices are high, some when prices are low, and many when the outlook feels unclear.

Over long periods, this can help investors build a meaningful portfolio without relying on perfect timing.

Where should you invest?

Regular investing works best when the money is going into assets that can grow over time.

That could mean broad ASX ETFs such as the Vanguard Australian Shares Index ETF (ASX: VAS), which gives investors exposure to a large basket of local companies, or the iShares S&P 500 ETF (ASX: IVV), which provides access to many of the largest businesses in the United States.

It could also mean high-quality companies with long growth runways.

Goodman Group (ASX: GMG) has exposure to logistics, industrial property, and data centres, Wesfarmers Ltd (ASX: WES) owns strong retail and industrial businesses, including Bunnings and Kmart, and Xero Ltd (ASX: XRO) operates in cloud accounting and small business software.

These types of investments can still fall in value, sometimes sharply. But the long-term goal is to own assets that become more valuable as earnings, cash flow, dividends, and market positions improve.

The strategy is simple, but the discipline is hard

The mechanics are straightforward. Choose a regular amount to invest, pick a small group of quality shares or ETFs, add money consistently, reinvest dividends where appropriate, and review the portfolio occasionally rather than obsessing over every daily move.

The harder part is emotional. Investors need to keep going when markets fall, when other people appear to be making faster money, and when the portfolio feels like it is moving too slowly.

This is where a simple plan can help. A regular investment schedule reduces the temptation to keep changing strategy. A focus on quality reduces the risk of chasing weak businesses and a long time horizon gives the portfolio space to recover from inevitable setbacks.

The key takeaway

Getting rich from ASX shares does not require constant trading or finding the next market darling.

A more realistic path is built around regular investing, quality assets, dividend reinvestment, patience, and time.

It may feel slow at first. But slow can become powerful when it is repeated for long enough.

For investors who can stick with the process, this simple ASX investing strategy could quietly become one of the best wealth-building decisions they ever make.

The post The ASX investing strategy that could quietly make you rich appeared first on The Motley Fool Australia.

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Motley Fool contributor James Mickleboro has positions in Goodman Group and Xero. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Goodman Group, Wesfarmers, Xero, and iShares S&P 500 ETF. The Motley Fool Australia has positions in and has recommended Xero. The Motley Fool Australia has recommended Goodman Group, Wesfarmers, and iShares S&P 500 ETF. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.