WiseTech Global Ltd (ASX: WTC) has been one of the most frustrating shares on the ASX over the past year.

The stock closed on Friday at $37.69, down around 45% in 2026 and almost 60% over the past 12 months.

There’s obviously been plenty going on, and investors have had more than enough reasons to stay cautious.

But after such a big fall, I think the market may have gone too far the other way.

When I look past the noise, I still see one of the strongest software businesses on the ASX.

And there are a few things in particular that make me think WiseTech shares could look very different 12 months from now.

Margins are climbing

At first glance, WiseTech’s FY27 guidance probably isn’t going to get too many investors excited.

Revenue is expected to grow by 6% to 10%, which is a bit slower than what investors have become used to seeing from the company.

But the earnings outlook looks a lot better.

Underlying EBITDA is expected to rise by 12% to 21%, while margins are forecast to improve from 46% in FY26 to between 49% and 51%.

WiseTech said it has also already delivered around US$115 million in annualised cost savings, including US$64 million from e2open.

That gives the company a good base to work from heading into FY27.

More growth to come

There was another part of WiseTech’s result that caught my attention.

At 30 June, 61 large global freight forwarders had CargoWise either in production or under contract.

Of those, 12 were still being rolled out, with less than 25% of their expected users currently live.

So, there is still a decent amount of growth to come from customers WiseTech has already signed.

Customer attrition has remained below 1% in each of the past 14 financial years, while more than 90% of customer cohorts grew operational revenue in FY26.

To me, that makes the growth outlook look a lot better than the headline revenue guidance might suggest.

AI could be huge

AI is another part of the WiseTech story that I think could become a much bigger deal over time.

More than 75% of the company’s team is already using AI, while engineering productivity has increased by 45%.

WiseTech believes its AI tools could eventually reduce labour costs for logistics providers by as much as 50%.

Even a 10% reduction could save some of its largest freight forwarding customers around US$180 million to US$300 million a year.

If WiseTech can deliver even part of that, I think it could make CargoWise a lot more valuable to customers and open up another huge growth opportunity.

Why I think the shares could rocket

There’s also a lot to like about the financial position WiseTech is heading into FY27 with.

The company generated US$410.7 million of free cash flow in FY26, while net leverage is expected to fall from 2.7 times to around 2.2 times by the end of FY27.

Add improving margins, more CargoWise rollouts and the potential from AI, and I think there is plenty that could go right over the next year.

A move back into the mid $50’s would mean roughly 50% upside from here.

I don’t think that looks unrealistic if WiseTech can deliver on its FY27 targets and win some investor confidence back.

That’s why I’m happy to buy at these levels.

The post Why I’m buying WiseTech shares before the market catches on appeared first on The Motley Fool Australia.

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Motley Fool contributor Aaron Teboneras 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.

Australian investors have plenty of ASX ETFs offering exposure to the US share market. ETFs can spread risk across dozens or hundreds of companies, avoid the challenge of picking individual stocks, and often come with relatively low fees.

Two popular choices are BetaShares Nasdaq 100 ETF (ASX: NDQ) and iShares S&P 500 ETF (ASX: IVV). Both provide exposure to US equities, but they serve different purposes.

NDQ: The growth-focused option

NDQ has around $9 billion in funds under management and tracks the NASDAQ-100 Index (NASDAQ: NDX), giving investors exposure to many of America’s biggest technology and growth companies.

The appeal of this ASX ETF is straightforward: if US mega-cap technology and artificial intelligence stocks continue outperforming, NDQ could benefit disproportionately.

Its largest holdings include Nvidia, Apple, and Microsoft, giving investors significant exposure to some of the market’s biggest growth engines.

But that concentration is also a risk. NDQ is less diversified than a broad-market ETF and can be more vulnerable if technology valuations fall or growth stocks fall out of favour.

The trade-off has been strong historical performance. NDQ has returned around 13% over one year, 6.5% year to date, and 442% over 10 years.

The downside? Investors pay a 0.48% management fee, considerably more than IVV.

IVV: The diversified alternative

IVV takes a broader approach, tracking the S&P 500 Index (SP: .INX), an index covering roughly 500 large US companies. It has around $14.5 billion in FUM, making it one of Australia’s largest ASX ETFs.

There is significant overlap between IVV and NDQ, particularly among the mega-cap technology stocks. However, IVV also provides exposure to a much broader range of sectors and businesses.

That diversification is arguably IVV’s biggest attraction. Investors still participate in the growth of companies such as Nvidia, Apple, and Microsoft, but aren’t making quite as concentrated a bet on technology.

IVV has delivered around 8% over one year, 5% year to date, and 271% over 10 years.

Its other major advantage is cost. IVV charges just 0.04% a year, versus 0.48% for NDQ.

So, which ASX ETF is better?

It ultimately depends on what investors want.

NDQ could be the better choice for investors deliberately seeking higher exposure to US technology and growth stocks, and who are comfortable with greater concentration and volatility.

IVV looks more compelling as a core US equity holding, offering broader diversification and an exceptionally low fee.

For investors who simply want long-term exposure to the US market without making a concentrated technology bet, IVV could be the better all-round ASX ETF.

The post NDQ vs IVV: One could be the better US growth ASX ETF appeared first on The Motley Fool Australia.

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• These are the most popular ASX ETFs. Which has performed best over the last year?
• IVV vs NDQ ETF: Which is the better buy?
• These are the most popular ASX ETFs – Which has performed best in 2026?
• ASX shares investors are getting younger and trading more often: CBA report

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 Apple, BetaShares Nasdaq 100 ETF, Microsoft, Nvidia, and iShares S&P 500 ETF. The Motley Fool Australia has positions in and has recommended BetaShares Nasdaq 100 ETF. The Motley Fool Australia has recommended Apple, Microsoft, Nvidia, 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.

For Australians relying on superannuation to fund their retirement, investing in ASX dividend stocks can be a great way to add passive income. 

Following earnings season, many companies have updated their dividend payments, making it an ideal time for investors to consider their options. 

Dividend investing alongside superannuation

Dividend investing alongside superannuation can provide retirees with an additional source of income and greater flexibility when managing their portfolios. 

While superannuation remains a cornerstone of retirement planning, a carefully selected basket of dividend-paying ASX shares may help generate regular cash flow while also offering the potential for long-term capital growth.

With that in mind, here are three stellar dividend stocks investors may want to consider for income and diversification outside their superannuation.

Harvey Norman Holdings Ltd (ASX: HVN)

Harvey Norman is an attractive dividend stock right now thanks to its relatively high, fully franked dividend yield. 

It also has a solid history of shareholder distributions, and a reasonable payout ratio supported by earnings.

It is expected to pay a yield of over 6% in FY27, well above the ASX 200 average. 

Right now, the consumer discretionary stock is also looking undervalued, meaning that investors could also enjoy strong capital gains in the next year. 

Bell Potter recently placed $5 price target on this ASX dividend stock, indicating 15% upside from current levels. 

APA Group (ASX: APA)

Another strong option to supplement superannuation is APA Group. 

APA Group is a leading Australian energy infrastructure company that owns and operates a large portfolio of gas pipelines, electricity transmission, renewable energy and power-generation assets, making it an important part of Australia’s energy system. 

Its essential infrastructure generates relatively stable, long-term cash flows and gives the company opportunities to benefit from Australia’s growing energy needs and transition to a lower-carbon energy system.

Right now, it is offering a FY 2027 dividend yield of approximately 5.4%.

Universal Store Holdings Ltd (ASX: UNI)

Universal Store is another great option this month amongst ASX dividend stocks. 

The Universal Store company has multiple businesses under its umbrella – Universal Store, Perfect Stranger, and CTC (with the THRILLS and Worship brands). It sells youth casual fashion apparel.

Based on the previous annual dividend payout of 43 cents per share, the company has a trailing grossed-up dividend yield of over 7%, including franking credits. 

It is also another candidate for strong capital appreciation. 

Its share price closed trading last week at $7.72, however Bell Potter recently placed a $9.70 price target on the company. 

This indicates a healthy upside potential of 25%. 

The post 3 stellar ASX dividend stocks to supplement your superannuation  appeared first on The Motley Fool Australia.

More reading

• 3 ASX dividend shares perfect for passive income
• Looking for income for life? These are the ASX shares I’d consider
• 9 ASX shares downgraded by experts post-results this week
• Here’s what brokers tip next for APA, Transurban, Aurizon shares
• 3 top ASX dividend shares to buy in September

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 positions in and has recommended Apa Group and Harvey Norman. The Motley Fool Australia has recommended Universal Store. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.