The smartest ASX dividend shares to buy with $1,000 right now

You don't need complexity with $1,000. You need income streams that are reliable, defensive, and built to last.

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If you've got $1,000 to invest in ASX dividend shares, sometimes the smartest move is simply putting that money to work in businesses that generate reliable cash flow and return it to shareholders over time.

With that in mind, these are three ASX dividend shares I'd seriously consider right now if income was the priority.

Transurban Group Ltd (ASX: TCL)

If I'm buying dividends, I want predictability. That's exactly what Transurban offers.

It owns and operates toll roads in major cities where traffic demand is driven by population growth, commuting patterns, and congestion. These aren't discretionary assets. People use them because they have to, not because conditions are perfect.

The cash flows it generates are long-dated, inflation-linked in many cases, and supported by contractual toll escalation. This has underpinned a growing stream of distributions for well over a decade.

In FY26, Transurban has guided to a distribution of 69 cents per share, up from 65 cents previously. At current prices, that translates into a dividend yield of around 5%.

HomeCo Daily Needs REIT (ASX: HDN)

HomeCo is one of the more interesting income plays on the ASX, in my view, because of what it owns.

Its portfolio is focused on large-format retail assets anchored by tenants that provide everyday necessities. Think supermarkets, hardware, childcare, and essential services. These are not malls dependent on discretionary spending.

The REIT is guiding to distributions of 8.6 cents per share in FY26. Based on the current share price, that implies a dividend yield north of 6.5%. Importantly, those distributions are underpinned by long lease terms and a high-quality tenant mix that tends to hold up well even when consumer conditions soften. Its three largest tenants are Woolworths Group Ltd (ASX: WOW), Wesfarmers Ltd (ASX: WES), and Coles Group Ltd (ASX: COL).

For investors with $1,000, I think HomeCo offers an attractive income stream without taking on excessive risk.

Lottery Corporation Ltd (ASX: TLC)

Lottery Corporation is another smart choice, in my opinion.

This ASX dividend share operates Australia's major lottery brands, and demand for lottery tickets has historically been remarkably resilient. Sales don't rely on economic growth, interest rates, or consumer confidence in the same way most retail businesses do.

What I like most is the quality of the cash flow. The business is capital-light, highly profitable, and converts a large portion of earnings into free cash flow. That gives it plenty of capacity to pay and grow dividends over time.

While the yield isn't the highest on the ASX, currently 3.4% based on CommSec forecasts, the consistency and defensiveness of the earnings make it a strong long-term income holding.

Foolish takeaway

With $1,000, you don't need complexity. You need businesses that can reliably generate cash and share it with investors.

Transurban, HomeCo Daily Needs REIT, and Lottery Corporation each approach that goal differently, through infrastructure, property, and regulated consumer demand. Together, they offer a mix of yield, stability, and resilience that I think makes sense for income-focused investors right now.

Motley Fool contributor Grace Alvino has positions in Transurban Group and Wesfarmers. The Motley Fool Australia's parent company Motley Fool Holdings Inc. has positions in and has recommended The Lottery Corporation, Transurban Group, and Wesfarmers. The Motley Fool Australia has positions in and has recommended Transurban Group and Woolworths Group. The Motley Fool Australia has recommended HomeCo Daily Needs REIT, The Lottery Corporation, and Wesfarmers. The Motley Fool has a disclosure policy. This article contains general investment advice only (under AFSL 400691). Authorised by Scott Phillips.

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