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.
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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.
