Author: openjargon

There are a few names in my portfolio I’ve significantly invested in for passive income and long-term growth. One of those is MFF Capital Investments Ltd (ASX: MFF), a listed investment company (LIC) that offers numerous positives as a reliable ASX dividend stock.

It’s led by Chris Mackay, with the investment team growing in recent years to add significant capabilities to the business.

The LIC is approximately $3 billion in size, and I believe it has a very positive future ahead for multiple reasons.

Diversification

The ASX dividend stock’s investment strategy is to invest in high-quality opportunities. Its portfolio is mostly global shares, though it does own a couple of ASX-listed investments too.

I think it’s wise to look across the entire global share market for opportunities because there are so many more opportunities outside of Australia compared to on the ASX.

MFF aims to invest in businesses with enduring competitive advantages and good prospects for profit growth. Some of its largest positions include Alphabet, Amazon, Mastercard, Visa, Bank of America, Meta Platforms, American Express and Microsoft.

As you can see, these are the types of businesses that have compelling long-term compounding profit potential, which can help drive shareholder returns over the long-term.

Over the last 10 years, it has delivered an average total shareholder return (TSR) of 14% per year, which is a good measure of its performance. Portfolio performance of that level is enough to deliver both capital growth and good long-term dividends.

Reliable ASX dividend stock

MFF has increased its regular annual dividend every year since 2018, so it already has a good record of dividend increases.

The business has provided guidance that it’s going to hike its FY26 annual dividend per share by 23% to 21 cents. That follows on from the FY25 annual dividend being hiked by more than 30%.

The FY26 payout means the business could pay a grossed-up dividend yield of approximately 6%, including franking credits.

MFF says that it has a focus on growing dividends over time. It has significant franking credits and profit reserves to continue paying large dividends to shareholders.

I think the business has a great shot at continuing to grow its annual dividend per share at a strong pace. I wouldn’t be surprised to see the business hike its payout to 25 cents per share in FY27, which would translate into a grossed-up dividend yield of approximately 7.1%, including franking credits, at the time of writing.

How much could $1,000 buy?

If an investor were to put $1,000 into MFF shares, they’d be able to buy 198 MFF shares.

I’d be very happy to invest in the ASX dividend stock for the long term.

The post $1,000 buys 198 shares in an incredibly reliable ASX dividend stock appeared first on The Motley Fool Australia.

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• 2 ASX shares I’d buy in June
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• How much is needed in superannuation to target a $3,000 monthly passive income?

Bank of America is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Motley Fool contributor Tristan Harrison has positions in Mff Capital Investments. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended Alphabet, Amazon, American Express, Mastercard, Meta Platforms, Microsoft, and Visa. The Motley Fool Australia has recommended Alphabet, Amazon, Mastercard, Meta Platforms, Mff Capital Investments, Microsoft, and Visa. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

ASX 200 healthcare shares led the 11 market sectors last week with a 4.84% increase over the five trading days.

The S&P/ASX 200 Index (ASX: XJO) lifted 0.28% amid a US-Iran interim peace deal and oil prices dropping to pre-war levels.

The ASX 200 finished the week at 8,828.7 points.

It’s potentially significant that healthcare was out in front last week given the sector’s poor performance over the past 12 months.

The S&P/ASX 200 Health Care Index (ASX: XHJ) is down 39% over 12 months and down 25% in the calendar year to date.

The healthcare index hit a 9-year low of 21,947.2 points on 3 June.

Samy Sriram, a market analyst at online investment platform, Stake, says healthcare companies have had many headwinds.

They include currency challenges for those reporting in US dollars; three interest rate rises in Australia; cost of living pressures; higher shipping costs; new caps on insurance payouts in some nations; higher labour costs; and regulatory uncertainty in the US.

However, markets are cyclical. At some point in a downturn, share prices fall to levels that offer too much value to ignore, and investors dive back in.

Does 3 June represent that pivot point?

ASX 200 healthcare shares have increased 13% since 3 June compared to just a 0.49% bump for the broader benchmark index.

Let’s review some individual company performances last week.

Healthcare shares led the ASX sectors last week

The CSL Ltd (ASX: CSL) share price ascended 8.19% to close at $116.32 on Friday.

Sigma Healthcare Ltd (ASX: SIG) shares rose 4.55% to $2.76 apiece.

Fisher & Paykel Healthcare Corporation Ltd (ASX: FPH) shares dropped 2.17% to $31.53.

Pro Medicus Ltd (ASX: PME) shares lifted 5.37% to $172.80.

Resmed CDI (ASX: RMD) shares fell 3.75% to $26.68.

Sonic Healthcare Ltd (ASX: SHL) shares eased 0.74% to $20.05.

The Ramsay Health Care Ltd (ASX: RHC) share price lifted 1.73% to $39.49.

The Cochlear Ltd (ASX: COH) share price shot 13.87% higher to $118.14.

Telix Pharmaceuticals Ltd (ASX: TLX) shares increased 6.62% to $14.50.

The Ansell Ltd (ASX: ANN) share price rose 2.46% to $29.99.

The EBOS Group Ltd ASX: EBO) share price fell 3.87% to $16.91.

Mesoblast Ltd (ASX: MSB) shares ripped 9.23% to $2.13 apiece.

Megastar ASX 200 healthcare share, 4DMedical Ltd (ASX: 4DX), rocketed 23.37% to $4.54.

4DMedical shares are up 1,716% over 12 months.

ASX 200 market sector snapshot

Here’s how the 11 market sectors stacked up last week, according to CommSec data.

Over the five trading days:

S&P/ASX 200 market sector	Change last week
Healthcare (ASX: XHJ)	4.84%
Financials (ASX: XFJ)	1.69%
Information Technology (ASX: XIJ)	0.99%
Consumer Discretionary (ASX: XDJ)	0.51%
Consumer Staples (ASX: XSJ)	0.15%
A-REIT (ASX: XPJ)	0.02%
Industrials (ASX: XNJ)	(0.13%)
Materials (ASX: XMJ)	(0.46%)
Communication (ASX: XTJ)	(1.67%)
Utilities (ASX: XUJ)	(3.66%)
Energy (ASX: XEJ)	(7.33%)

The post Healthcare shares led the ASX 200 last week. Is a sector comeback underway? appeared first on The Motley Fool Australia.

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Motley Fool contributor Bronwyn Allen 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 CSL, Cochlear, ResMed, and Telix Pharmaceuticals. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended Pro Medicus. The Motley Fool Australia has positions in and has recommended ResMed. The Motley Fool Australia has recommended Ansell, CSL, Cochlear, Pro Medicus, Sonic Healthcare, and Telix Pharmaceuticals. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

It was a busy week for Australia’s top brokers. This has led to a number of broker notes being released.

Three broker buy ratings that you might want to know more about are summarised below. Here’s why brokers think these ASX shares are in the buy zone:

Bannerman Energy Ltd (ASX: BMN)

According to a note out of UBS, its analysts have initiated coverage on this uranium developer’s shares with a buy rating and $5.15 price target. UBS is feeling positive about the long-term uranium outlook and is forecasting a price of US$100 per pound. It believes this will be driven by an increasing focus on energy security and growing demand from AI and data centres. The broker highlights that this enhances the project economics of Bannerman’s Etango operation. This operation is based in Namibia, which it views as a relatively stable jurisdiction with a track record of successful and stable uranium assets with international ownership. In light of this, UBS sees a lot of value in the company’s shares at current levels. The Bannerman Energy share price ended the week at $3.40.

Flight Centre Travel Group Ltd (ASX: FLT)

A note out of Morgans reveals that its analysts have retained their buy rating on this travel agent’s shares with an improved price target of $14.80. Morgans points out that given recent downgrades from other travel industry peers because of the Middle East conflict, it wasn’t surprised to see Flight Centre downgrade its earnings guidance last week. It believes that if it were not for the conflict, FY 2026 would have been a great year for Flight Centre given its strong results for the first nine months of the financial year. Looking ahead, Morgans is positive on Flight Centre’s outlook and expects a strong rebound in its performance in the second half of FY 2027. As a result, it thinks investors should be buying the company’s shares while they are down. This is especially the case given its belief that when operating conditions ultimately improve, both Flight Centre’s earnings and share price will move materially higher. The Flight Centre share price was fetching $11.92 at Friday’s close.

Liontown Ltd (ASX: LTR)

Analysts at Bell Potter have retained their buy rating on this lithium miner’s shares with an improved price target of $2.90. According to the note, Bell Potter believes the outlook for lithium prices is positive. It came to this conclusion after comparing medium term lithium supply restarts and greenfield projects versus expected demand. In light of this, it has lifted its lithium price forecasts and its earnings estimates for Liontown in FY 2027 and FY 2028. In addition, due to current lithium price strength, Bell Potter notes that the company can rapidly generate cash to support incremental production expansions and shareholder returns. It also continues to see the Kathleen Valley operation as highly strategic in terms of scale, long project life, and location in a tier-one mining jurisdiction. The Liontown share price ended the week at $1.98.

The post Top brokers name 3 ASX shares to buy next week appeared first on The Motley Fool Australia.

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• Brokers name 3 ASX shares to buy right now
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• Buy, hold, sell: Liontown, Wildcat Resources, PLS Group shares
• Buy, hold, sell: Flight Centre, SGH, and Navigator Global shares

Citigroup is an advertising partner of Motley Fool Money. Motley Fool contributor James Mickleboro has positions in CSL and WiseTech Global. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has positions in and has recommended CSL and WiseTech Global. The Motley Fool Australia has positions in and has recommended WiseTech Global. 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.

AMP Ltd (ASX: AMP) shares are in in the green at the time of writing.

Back in February, the share price crashed 26% after the financial services company posted a disappointing FY25 financial result.

This marked the company’s largest one-day fall since the wealth manager since 2003, when its value tanked 36%.

At the time, AMP reported a 20.8% lift in underlying NPAT, a 9% increase in total assets under management (AUM), and a 11.3% decline in statutory NPAT over the year. The result was far below market expectations across the board and investors were disgruntled.

Ongoing geopolitical tensions and concerns about Australia’s inflation data rate also weighed heavily on financial shares like AMP.

Thankfully, AMP’s first-quarter update was a little more positive. The company reported a 45% growth in Platforms net cashflows and improved Superannuation & Investments (S&I) net cash outflows in April.

There have been plenty of headwinds facing the company this year, but I still think AMP shares are a no-brainer buy. 

Here are three reasons why.

1. Excellent growth potential ahead

While AMP’s FY25 results disappointed investors, fact is, it still demonstrates that the company’s earnings are growing across its wealth platforms, superannuation business and also improved cash flow.

The first-quarter update in April confirmed that strong business growth is underway and revealed a significant momentum across several of its key divisions.

AMP is focused on improving its operational leverage in its platforms, and looking at new capital relief strategies to help enhance returns. 

AMP is also planning to build on its position in China and leverage retirement expertise in New Zealand in response to ongoing sector tailwinds.

The good news is that AMP is still viewed as a potential turnaround story.

Many think that if management successfully executes its strategy, improves profitability, and restores market confidence, the share price could benefit from both earnings growth and a higher valuation multiple.

2. Management is confident

At the same time as announcing its first-quarter results, AMP announced a $150 million share buyback. This is positive for investors because it reduces the number of shares on issue and can increase earnings per share over time. It also flags management confidence in the business. 

3. Brokers are bullish

According to Market Index data, the majority of brokers have a strong buy rating on AMP shares, and expect a 6% upside (at the time of writing) over the next 12 months to an average price target of $1.70 a piece.

TradingView data shows some are even more bullish. Out of 10 analysts, eight have a buy or strong buy rating on AMP shares and another two rate the financial stock as a hold. The average 1.715 target price implies a 7% upside ahead and the maximum $1.94 target price implies the shares have the potential to climb another 22% from here, at the time of writing.

Citi is one of the more positive brokers. It renewed its buy call on AMP shares with a $1.80 target earlier this month.

The post 3 reasons to buy AMP shares today appeared first on The Motley Fool Australia.

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• 7 ASX 200 shares with strengthened buy ratings this week

Citigroup is an advertising partner of Motley Fool Money. 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 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.

Some ages are more useful than others when it comes to checking your superannuation progress. Age 53 and age 63 are two of them.

At 53, retirement is close enough that the numbers begin to feel important, but there is still time to make meaningful changes.

At 63, retirement may be only a few years away, and superannuation is starting to look less like a long-term savings account and more like a future income stream.

So, how much does the average Australian have at these ages?

What does the average 53-year-old have?

Because age 53 sits neatly within the 50 to 54 age bracket, the average balance for that group provides a useful guide.

The latest data shows that Australians aged 50 to 54 have average superannuation balances of approximately $190,000 for women and $254,000 for men.

That means the average 53-year-old is likely to have a balance broadly around those levels.

These are not small amounts, but they also highlight why the early 50s can feel like a financial wake-up call. Retirement is no longer a distant concept, yet the balance may still be well short of what is needed for a more flexible lifestyle after work.

This is the stage where decisions can still have a real impact. Extra contributions, reviewing investment options, reducing unnecessary fees, and consolidating accounts can all help improve the final outcome.

What does the average 63-year-old have?

By age 63, superannuation balances are typically much larger.

Australians aged 60 to 64 have average balances of approximately $313,000 for women and $396,000 for men. Because age 63 falls within this bracket, those figures provide a reasonable guide for the average balance at that age.

As you can see, the increase from 53 is significant. This reflects a powerful combination of ongoing employer contributions, investment returns, and the fact that many Australians reach their peak earning years in their 50s and early 60s.

It also shows why the decade between these two ages can be so important. Superannuation can still grow materially in the final stretch before retirement, particularly when contributions continue and markets are allowed time to do their work.

Is that enough to retire?

This depends heavily on the type of retirement you want.

According to the Association of Superannuation Funds of Australia (ASFA), a comfortable retirement requires around $630,000 in super for a single person and $730,000 for a couple. This assumes home ownership and some Age Pension support over time.

A modest retirement requires far less, at around $110,000 for a single person and $120,000 for a couple. That level sits slightly above the Age Pension and covers the basics, but with limited room for extras.

On those benchmarks, the average 53-year-old is unlikely to be in a position to retire immediately, unless they have significant assets outside super or very low living costs.

At 63, the average balance is more substantial, but early retirement still requires careful planning. A single person may still fall short of the comfortable benchmark, while a couple combining two average balances may be much closer.

Foolish takeaway

The average Australian superannuation balance at 53 is around $190,000 for women and $254,000 for men. By age 63, that rises to around $313,000 and $396,000, respectively.

Those figures show meaningful progress over a decade, but they also highlight the importance of planning before retirement arrives.

Superannuation is not just about reaching a number. It is about giving yourself options. And between 53 and 63, those options can still change significantly.

The post What’s the average Australian superannuation balance at ages 53 and 63 in 2026? 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.

How much money you should have in your superannuation depends on your age, income, and the type of retirement you’re planning to have.

At age 52, you’re roughly 10-15 years away from stopping work. At this point you should know exactly what your superannuation balance is, how much you need to retire comfortably, and exactly how to get there.

Let’s break it down.

How much is retirement going to cost me?

According to data from the Association of Superannuation Funds of Australia (ASFA), there are two main retirement lifestyle brackets: modest and comfortable.

A modest retirement is one that allows you to meet essential living costs slightly above the Age Pension payment. 

This includes housing-related expenses, groceries, utilities, transport, and basic health insurance. There is some room for infrequent and low cost leisure activities and perhaps the occasional meal out. Travel will be limited, as will your discretionary budget. It assumes you own your home outright.

ASFA estimates that a modest retirement will cost around $36,434 per year for singles and around $52,473 for couples. These figures assume you’ll also receive a part Age Pension. In order to fund this amount, singles will need around $110,000 in their superannuation when they retire, and couples around $120,000.

For many Australians, a modest retirement is achievable, but it’ll require a tight budget and careful planning. 

The other option is to aim for a comfortable retirement lifestyle.

ASFA defines a comfortable retirement as one which allows Australians to maintain a good standard of living above and beyond the Age Pension. 

It assumes you’ll keep top-level private health insurance, will own a reasonable car brand, undertake regular leisure activities, have funds for home repairs and renovations, go for an occasional meal out, and maybe even an annual domestic trip (or even the occasional overseas one).

The data shows that a comfortable retirement is estimated to cost around $55,923 per year for singles and $78,566 for couples. Again it assumes you’ll receive a part Age Pension and that you own your home in full. In order to fund this, single Australians will need around $630,000 in their superannuation at retirement, and couples will need around $730,000.

Ok, so what do I need in my superannuation at age 52 to live a comfortable lifestyle when I retire?

I’ve crunched the numbers using ASFA’s online super detective tool and, at age 52, Australians need a superannuation balance of $347,500 to be on track to reach the balance they need to have a comfortable retirement lifestyle.

Falling behind? Here’s some tips to catch up

The quickest way to increase your superannuation balance is to add extra money yourself. Don’t just rely on the compulsory minimum employer superannuation contribution to do the heavy lifting for you.

Make sure that you’re taking advantage of the concessional contributions cap, which is currently $30,000 per financial year. If you contribute less than the before-tax cap in one financial year, you can catch up when the leftover amount is carried into the next year. In fact, you can carry over your leftover pre-tax cap amounts from the past five years, which means you can make larger contributions above the $30,000 limit without the extra tax. 

You might also be eligible for the bring-forward rule. This is similar to the catch-up concessional contribution, but the bring-forward rule applies to after-tax (i.e non-concessional) contributions. Under this rule, eligible Australians can contribute three years’ worth of non-concessional contributions (up to $120,000 per year) at once.

Low and middle-income Australians might be eligible for a government co-contribution if they make after-tax contributions to super. This means you’d be, effectively, boosting your balance with extra government funds.

If you don’t have enough surplus cash to add to your superannuation yourself, can your partner do it for you? Couples can boost their combined super savings by the higher-income earner contributing after-tax funds to the lower-income earner’s account. 

Also make sure you’ve checked for lost super, consolidated your super funds and that your fund is performing well. Every cent counts.

The post How much should I have in my superannuation by age 52? appeared first on The Motley Fool Australia.

More reading

• What’s the average Australian superannuation balance at ages 53 and 63 in 2026?
• Term deposits or ASX dividend shares as the RBA holds?
• If I invest $8,000 in CSL shares, how much passive income will I receive in 2027?
• New to investing? 3 ASX shares to set and forget until 2036
• How much do I need in my superannuation to get $5,000 per month in passive income?

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 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.

Watching the Reserve Bank of Australia move interest rates has become something close to a national sport. This week brought another match.

And despite inflation still running very hot, the board held the official cash rate at 4.35% rather than raise it again, its first pause after three hikes in a row this year.

That offers a moment of calm. It does not solve the deeper problem.

Headline CPI sits near 4.2% and the trimmed mean remains above the RBA’s 2–3% target band, where it has stubbornly stayed for a long time. The cost of almost everything has climbed for years, and those price tags are not coming back down.

So if you have capital set aside and you want it to generate income, a simple question will sit with you: term deposits or ASX dividend shares?

There is no single right answer. 

It depends entirely on you.

What certainty actually costs

A term deposit does one thing very well. It pays a fixed, known return and hands back your original capital at the end of the term.

With the cash rate steady, the big banks are offering around 5% on a one-year term, and the most competitive providers sit closer to 5.4% to 6%. Deposits up to $250,000 per institution (i.e. bank) are also covered by the Government’s Financial Claims Scheme, which is about as close to a guarantee as money gets.

For a retiree drawing income, or anyone who needs their capital intact within a year or two, that certainty is worth a great deal.

However, certainty has a price. Your money is locked away for the term, and breaking it early usually means forfeiting interest. The income is taxed at your full marginal rate. And with inflation near 4.2%, a 5% return leaves precious little once rising prices and tax take their cut.

You protect your capital. You do not grow it by much.

Why owners tend to win over the long run

Dividend paying shares flip the trade-off. There is no guaranteed return and no protected capital – share prices fall as well as rise. That risk is real, and it should not be waved away.

The reward is total return: the income, plus the growth in the value of the business behind it.

Take Washington H. Soul Pattinson and Co. Ltd (ASX: SOL). The diversified investment house has lifted its dividend every year for more than two decades, and over the past 25 years it has delivered a total shareholder return of roughly 12.9% per annum – comfortably ahead of any bank paid interest rates. Its recent payout, grossed up for franking credits, equates to a yield near 3.4%. 

Franking matters here. Those credits can lift the after-tax value of dividends well above the headline number, something a term deposit simply cannot offer.

Income-focused names tell a similar story. APA Group (ASX: APA) has grown its distribution every year since 2004, currently yielding around 5.8%. 

The catch is time. Shares reward patience and punish anyone who needs their money on a fixed date.

Foolish takeaway

This is not a contest with one winner. It is a question of fit.

If your time frame is short, your need for the capital is certain, or volatility keeps you up at night, term deposits earn their place. If you can stay invested for years and ride out the swings, owning quality dividend payers has historically delivered more.

Many investors land somewhere in between – cash for near-term needs, shares for the long climb.

The RBA may be on hold. Your money does not have to be. The right mix comes down to your time frame, your risk profile, and what you genuinely need it to do.

The post Term deposits or ASX dividend shares as the RBA holds? appeared first on The Motley Fool Australia.

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• APA Group announces estimated FY26 final distribution, up 1.7%

Motley Fool contributor Leigh Gant 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 Washington H. Soul Pattinson and Company Limited. The Motley Fool Australia has positions in and has recommended Apa Group and Washington H. Soul Pattinson and Company 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) shares may not be one of the most popular dividend options because historically it has had a low dividend yield.

For many years, the ASX healthcare share had a lower dividend yield than all other ASX blue-chip shares including Commonwealth Bank of Australia (ASX: CBA), BHP Group Ltd (ASX: BHP), Westpac Banking Corp (ASX: WBC), Wesfarmers Ltd (ASX: WES), Macquarie Group Ltd (ASX: MQG), Telstra Group Ltd (ASX: TLS) or Woodside Energy Group Ltd (ASX: WDS).

The CSL dividend has grown significantly over the last two decades, but the dividend yield was so low because it usually had a fairly high price/earnings (P/E) ratio with the market pricing it for long-term earnings growth.

But, the company’s growth outlook has significantly diminished over the last couple of years, which is largely why the CSL share price has dropped by approximately 66% since July 2024.

The latest result from CSL demonstrated the difficulties it’s facing.

For the six months to 31 December 2025, the half-year report showed a total revenue decline of 4% to US$6.3 billion, underlying net profit (NPATA excluding restructuring costs and impairments) fell 7% to US$1.9 billion and reported net profit sank 81% to just US$0.4 billion.

However, after such a painful decline of the CSL share price in recent times, the projected payout now translates into a sizeable dividend yield, so we can consider the ASX healthcare share giant as an option for dividends.

So, let’s look at the potential annual FY27 dividend payment, which will be paid in 2027.

2027 dividend projection for owners of CSL shares

According to the projection on CMC Invest, the ASX healthcare share is forecast to pay an annual dividend per share of (AU) $4.27 in the 2027 financial year. This would represent a sizeable reduction compared to the FY25 annual payout. The FY26 payout is expected to be even lower, so the FY27 payout would represent a bit of a recovery.

At the time of writing, that projected payout translates into a possible dividend yield of 4%, excluding any possible franking credits. The business generates most of its earnings overseas, so it doesn’t generate many franking credits to pay to shareholders.

If someone were to invest $8,000 in CSL, they would be able to buy 75 CSL shares with a bit of money left over.

With those 75 CSL shares, investors could receive $320.25 of cash and, I’m assuming, no franking credits.

Is this a good time to invest in the ASX healthcare share?

According to CMC Invest, there have been 11 analyst rating calls on the business in the last three months.

Of those 11, three were a buy and eight were a hold. So, the investment professionals are, on average, neutral of the company’s valuation right now.

The average price target of those 11 ratings is $136.05. That means, collectively, those analysts are predicting the CSL share price could rise 29% over the next year (at the time of writing).

The business last traded at that price in April 2026, so it’s not an outrageous prediction – just a recovery back to where it was a couple of months ago.

It seems like it could be worthwhile to consider being contrarian on CSL shares, though there are plenty of ASX shares out there where the foreseeable outlook is more certain.

The post If I invest $8,000 in CSL shares, how much passive income will I receive in 2027? appeared first on The Motley Fool Australia.

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Motley Fool contributor Tristan Harrison 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 CSL, Macquarie Group, and Wesfarmers. The Motley Fool Australia has positions in and has recommended Telstra Group. The Motley Fool Australia has recommended BHP Group, CSL, Macquarie Group, and Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Getting started with ASX shares can feel overwhelming. With thousands of stocks to choose from, knowing where to begin isn’t always easy.

One approach is to focus on high-quality businesses with strong competitive advantages and long growth runways. By buying and holding great companies for the long term, investors can benefit from the power of compounding while avoiding the temptation to trade in and out of the market.

For investors looking to build wealth over the next decade, here’s a mix of growth and income shares that could be worth buying and forgetting about until 2036.

Wesfarmers Ltd (ASX: WES)

Wesfarmers provides a strong foundation for any long-term portfolio.

The conglomerate owns market-leading businesses including Bunnings, Kmart, Officeworks, and Priceline. These operations generate reliable earnings and cash flow, supporting a growing stream of dividends for shareholders.

One of Wesfarmers’ greatest strengths is its ability to reinvest capital into new opportunities while maintaining a conservative balance sheet. This has helped it create value across multiple economic cycles.

The main weakness of this ASX share is that its mature retail businesses may not grow as quickly as younger companies. However, for investors seeking stability and income, that can be a worthwhile trade-off.

In a long-term portfolio, Wesfarmers can serve as the dependable anchor.

Goodman Group (ASX: GMG)

This $66 billion ASX share offers exposure to one of the most powerful structural growth themes in the market.

The property giant develops and manages logistics, warehousing, and data centre assets across the world. Demand for these facilities continues to grow as e-commerce expands and technology companies invest heavily in digital infrastructure.

Goodman’s strengths include its global footprint, development expertise, and relationships with major customers. It also has a large development pipeline that could support earnings growth for years to come.

The risk is that property stocks can be sensitive to interest rates and economic conditions. Its premium valuation also leaves less room for disappointment if growth slows.

Even so, Goodman provides investors with exposure to long-term global growth trends that could remain intact well into the next decade.

Pro Medicus Ltd (ASX: PME)

Pro Medicus is arguably one of the ASX’s highest-quality growth companies.

The ASX healthcare share supplies imaging software to hospitals and healthcare providers around the world. Its Visage platform has helped it win major contracts in the United States, the world’s largest healthcare market.

The company’s strengths include high profit margins, recurring revenue, and a growing list of blue-chip customers. This ASX share also benefits from healthcare digitisation, a trend that still has significant room to run.

The obvious risk is valuation. Pro Medicus trades on a high earnings multiple, meaning expectations are already elevated.

However, for investors with a 10-year time horizon, Pro Medicus offers exposure to a world-class Australian growth company with substantial expansion potential.

The post New to investing? 3 ASX shares to set and forget until 2036 appeared first on The Motley Fool Australia.

More reading

• How to build a $1 million ASX share portfolio for retirement
• How to build an ASX share portfolio that can survive a market selloff
• Close to retirement? 4 ASX shares for decades of income
• 5 ASX 200 shares I would buy if I were starting from scratch
• How to invest in ASX shares when you can’t find stocks to buy

Motley Fool contributor Marc Van Dinther 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 Goodman Group and Wesfarmers. The Motley Fool Australia’s parent company Motley Fool Holdings Inc. has recommended Pro Medicus. The Motley Fool Australia has recommended Goodman Group, Pro Medicus, and Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

Superannuation is the most tax-effective way for working Australians to build a long-term passive income.

The drawback is that you can’t access your funds until you reach your preservation age, which is typically around 60 years old, and you’ve met the conditions of release.

The good news is that by investing now, you can benefit from low tax rates, compounding, and eventually a tax-free passive income once you transition to the pension phase.

The question is, how much do you actually need in your superannuation to be able to receive the passive income you want when the retirement years hit?

Let’s break it down, using $5,000 per month as an example.

How much do I need in superannuation to get $5,000 of monthly passive income?

If you want to earn $5,000 in passive income every month from your superannuation, that equates to $60,000 per year in dividend payments.

The easy way to work out the superannuation balance you’d need is to divide your annual passive income by the dividend yield.

The tricky part is that the answer varies widely depending on the dividend yield of the ASX shares you’d have in your portfolio. 

For example, a portfolio with a dividend yield of around 6% only needs to be half the size of one with a dividend yield of around 3% to generate the same level of dividend income.

Let’s break it down further.

A $2 million portfolio with a 3% dividend yield would create $60,000 of annual passive income.

A $1.5 million portfolio with a 4% dividend yield would create $60,000 of annual passive income.

To get the same $60,000 of annual passive income from a portfolio with a 5% dividend yield, you’d need closer to $1.2 million. And if the portfolio’s dividend yield is closer to 6%, the portfolio size could be more like $1 million.

And so on. As your dividend yield increases, the superannuation balance needed to earn the same level of passive income goes down.

What ASX shares can I get around these dividend yields?

There is a huge range of ASX dividend shares available for superannuation investments, and their yields vary significantly. 

But here are a few options to get you started.

Lower yielding ASX dividend-paying shares such as Wesfarmers Ltd (ASX: WES), Coles Group Ltd (ASX: COL), Macquarie Group Ltd (ASX: MQG), and Washington H. Soul Pattinson and Co Ltd (ASX: SOL) are solid and reliable shares that offer a yield of around 2% to 3%.

For a mid-range yielding ASX dividend option, I’d look at defensive assets like Telstra Group Ltd (ASX: TLS) or Transurban Group (ASX: TCL), and blue-chip majors like BHP Group Ltd (ASX: BHP) and Commonwealth Bank of Australia (ASX: CBA), which pay a dividend of around 3% to 4%.

For a higher 5% to 6% dividend yield, I’d look at dividend-payers like National Australia Bank Ltd (ASX: NAB), Woodside Energy Group Ltd (ASX: WDS), or packaging giant Amcor (ASX: AMC).

If you want to take on more risk and go for a much higher-yielding ASX stock, my picks would be something like the BetaShares Australian Top 20 Equities Yield Maximiser Complex ETF (ASX: YMAX) or the Metrics Income Opportunities Trust (ASX: MOT). These typically yield around 9% or more. 

The post How much do I need in my superannuation to get $5,000 per month in passive income? appeared first on The Motley Fool Australia.

More reading

• Australia’s new Age Pension rules: Age, income and asset tests explained
• The perfect ASX ETF retirement portfolio alongside your super
• How to invest $9,000 for passive income in superannuation?
• 10 amazing ASX ETFs for the next decade
• How to build a $1 million ASX share portfolio for retirement

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 positions in and has recommended Macquarie Group, Transurban Group, Washington H. Soul Pattinson and Company Limited, and Wesfarmers. The Motley Fool Australia has positions in and has recommended Amcor Plc, Telstra Group, Transurban Group, and Washington H. Soul Pattinson and Company Limited. The Motley Fool Australia has recommended BHP Group, Macquarie Group, and Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.