Since August 6th, Australia's benchmark index has fallen more than 6%. 

Despite the pain for many investors' portfolios, there are several strong value options. 

Yesterday, these three ASX shares hit 52-week lows:

• GQG Partners Inc (ASX: GQG)
• IVE Group Ltd (ASX: IGL)
• Generation Development Group Ltd (ASX: GDG). 

For value investors, these ASX shares could be enticing opportunities. 

GQG Partners

GQG Partners is a global boutique asset management company focused on active equity portfolios. It offers investment advisory and portfolio management services for investors across three continents.

In the last 12 months, its share price has fallen 38%. 

At the time of writing, it is trading at a 52-week low of $1.05. 

However, it now sits well below where many experts believe is fair value. 

Late last month, Morgans placed an accumulate rating and price target of $1.52. 

The near-term operating environment remains difficult for GQG; however, we think it's hard not to see long-term value in the franchise at current levels, trading on ~7x FY1 PE.

This indicates an upside potential of almost 45%. 

While this capital gain upside is already enticing, this ASX stock also offers a strong dividend yield. 

At the time of writing, it offers a yield of over 10%, providing investors with passive income and potential capital gains. 

IVE Group

IVE provides communication solutions. Its services include creative services, personalised communications, print production, retail display, promotional merchandising, third-party sourcing, logistics and fulfilment, and managed solutions.

In the last 12 months, its share price has fallen 13%, and now sits at a 52-week low of $2.34. 

However, analysts' forecasts via TradingView have an average one year target of $3.20. 

This indicates an upside potential of 36%. 

-It also recently posted some healthy full-year results, suggesting the underlying businesses remain sound. 

It also offers a dividend yield of over 7%. 

Generation Development Group

Generation Development Group is a diversified financial services company focused on investment and retirement products.

Its share price has fallen more than 57% in the last 12 months and is now hovering near a 52-week low of $2.92. 

The current price sits well below broker targets. 

TradingView analyst data has an average 12-month price target of $5.39 on this ASX stock. 

This indicates 84% upside from current levels. 

The post 3 ASX shares trading at 52-week lows that could be outstanding value plays  appeared first on The Motley Fool Australia.

What did GQG Partners report?

• Total FUM at 31 August 2026: US$149.2 billion
• August 2026 net outflows: US$4.3 billion
• August 2026 investment performance: –US$2.9 billion
• Year-to-date (YTD) net outflows: US$23.9 billion
• YTD investment performance: +US$9.2 billion

What else do investors need to know?

GQG's FUM declined on both a monthly and year-to-date basis, mainly driven by net outflows across all investment strategies. The international strategy was the largest segment, finishing August with US$68.6 billion in FUM after a combination of net outflows and negative investment returns.

While investment performance for August was negative, the year-to-date figure remains positive, suggesting that returns have added to FUM in the longer term. Notably, GQG Private Capital Solutions activity is not included in the reported figures.

What's next for GQG Partners?

Investors can expect the next FUM update on 12 October 2026, with subsequent monthly updates following. Management will be looking to address ongoing net outflows and stabilise assets under management across their international, emerging markets, global, and US strategies.

GQG says these results reflect dynamic client flows and market conditions, and the group continues to prioritise long-term performance and client alignment.

GQG Partners share price snapshot

Over the past year, the GQG Partners shares have declined 29%, trailing the S&P/ASX 200 Index (ASX: XJO), which is flat over the same period.

View Original Announcement

The post GQG Partners shares in focus after August 2026 FUM update appeared first on The Motley Fool Australia.

It's the middle ground which can act as a solid base, but it's not quite enough to live off.

But what if you didn't need to live off your superannuation balance alone? What if your superannuation generated enough passive income to partially, or even fully, support you when you quit work?

So, how much passive income could a $550,000 super balance realistically generate each month?

Let's take a look.

What passive income can I earn off a $550,000 superannuation balance?

To calculate your passive income, you need to multiply your total superannuation balance by the overall dividend yield of your portfolio.

The tricky part is that the answer varies widely depending on what dividend yield you pick.

So, as your dividend yield increases, the passive income you can earn off your $550,000 superannuation balance also goes up.  

Also note, the figures are based on cash dividends before any tax or franking credit benefits.

What can I earn off a 2% to 3% yielding portfolio?

If your portfolio yields 2% or 3%, you'll earn around $11,000 or $16,500, respectively.

That's because $550,000 x 2% = $11,000 per year in dividend payments, and $550,000 x 3% = $16,500 in dividends.

Around this level, you could invest in major long-standing ASX blue-chip companies like Commonwealth Bank of Australia (ASX: CBA), Wesfarmers Ltd (ASX: WES), CSL Ltd (ASX: CSL), or Macquarie Group Ltd (ASX: MQG). These all yield around the 2% to 3% level at the time of writing.

What can I earn if my portfolio yields around 4% or 5%?

If your portfolio has a slightly higher dividend yield, closer to 4% or 5%, you could earn a much higher dividend income of around $22,000 or $27,500, respectively.

There are still plenty of good-quality stocks yielding around this level. For example, mining giants BHP Group Ltd (ASX: BHP) and Rio Tinto Ltd (ASX: RIO). Major banks National Australia Bank Ltd (ASX: NAB) and Westpac Banking Corp (ASX: WBC) also yield around the 4% to 5% range. As do energy majors Woodside Energy Group Ltd (ASX: WDS) and APA Group (ASX: APA). 

What if I want to invest my superannuation in high-yielding shares around 10% or even higher?

If you have the stomach to withstand the volatility and elevated risk, you could earn a much higher passive income from high-yielding stocks.

At a 10% yield, a $550,000 balance could earn about $55,000.

And there are still several options paying around this level too. If you're after a single stock, then GQG Partners Inc (ASX: GQG) and IPH Ltd (ASX: IPH) both yield above 11% at the time of writing.

Another option is to invest your super into an ETF like the BetaShares Australian Top 20 Equities Yield Maximiser Complex ETF (ASX: YMAX), the BetaShares Global Cybersecurity ETF (ASX: HACK), or the iShares S&P 500 ETF (ASX: IVV). These all yield 10% or higher at the time of writing.

The post How much passive income can I earn off a $550,000 superannuation balance? appeared first on The Motley Fool Australia.

There is a huge variety of reliable dividend-paying ASX shares available. But the problem is that their yields vary wildly, and therefore so will their payouts. This makes it very difficult to work out which is the best fit for your portfolio.

On one hand you have major Australian blue-chip businesses, defensive assets like energy infrastructure or utility operators, and popular bank stocks. These typically yield somewhere between 3% and 6%.

And on the other hand you have your much riskier high-yield shares. These could be cyclical businesses that fluctuate significantly with market cycles, niche companies with strong cash conversion, or they have discounted share prices. 

But if you have the stomach for this type of risk, these shares also pay out a much higher dividend to their shareholders. And some offer over 11%. 

Here are two of them.

GQG Partners Inc (ASX: GQG)

GQG is a boutique asset management company focused on active equity portfolios. It offers investment advisory and portfolio management services for investors. Clients include pension funds, sovereign funds, wealth management companies, and individual investors. 

The company is headquartered in Fort Lauderdale, Florida, but GQG also has operations in New York, Seattle, London, Sydney, and other locations. 

Despite its global reach, the company is exclusively listed on the ASX.

The company is able to pay a high yield to its shareholders because it has a high payout ratio (of around 50% to 95% of distributable earnings). The business model is also capital-light and cash-generative, and its share price has fallen steeply (by around 31%) over the past year after clients withdrew funds earlier this year.

GQG also pays more regularly than a lot of other ASX dividend shares. The company has historically paid four unfranked shareholder dividends a year in March, June, September, and December.

The asset management business currently pays approximately 90% of its distributable profit to shareholders. The ASX shares are due to pay an interim dividend of 3.5 cents per unit later this month, unfranked. At the time of writing, this translates into an annualised dividend yield of around 16%.

IPH Ltd (ASX: IPH)

IPH is an intellectual property (IP) services provider. Because IP protection is a legal necessity regardless of economic cycles, the company benefits from consistent cash flow and solid earnings visibility, even when share markets are volatile.

Again, the company is able to pay a high yield to its shareholders for the same reasons: a capital-light business model, a high payout ratio, and a falling share price.

As an IP services provider, it essentially owns a group of patented and trademarked firms. This means it can generate substantial revenue without requiring physical capital.

IPH shares performed well in the first half of 2026, before declining in August amid investor concerns about weaker revenue growth. 

The company also changed its dividend policy to target 70% to 90% of statutory EPS from FY27 onwards, down from the previous 80% to 90% range. The move is expected to give the company more flexibility, but investors were a little spooked.

The good news is that IPH has a long history of consistent dividend payments. The ASX dividend shares have paid regular semi-annual dividends to shareholders since 2006, increasing the payout nearly every year.

IPH is due to pay its shareholders a final dividend of 19.5 cents per share, 30% franked, later this month. At the time of writing, that implies an annualised dividend yield of around 12%.

The post 2 ASX shares with dividend yields above 11% appeared first on The Motley Fool Australia.

It's the type of nest egg that many strive for and one that can support a comfortable lifestyle during their retirement years. 

Many Aussies focus hard on building their superannuation balance, ensuring the fund is performing well and adding extra contributions wherever they can.

It's a solid strategy. But superannuation is more than just a savings pot to draw money from when you retire.

If invested wisely, your superannuation can also generate a passive income.

But how much passive income could the suggested $630,000 balance realistically generate each month?

Let's take a look.

What passive income can I earn off my $630,000 superannuation balance?

To calculate your potential passive income, you need to multiply your total superannuation balance by the overall dividend yield of your portfolio.

The tricky part is that the answer varies widely depending on what dividend yield you pick.

For example, $630,000 x 3% = $18,900 per year in dividend payments.

And as your dividend yield increases, the passive income you can earn off your $630,000 super balance also increases.  

The figures are also based on cash dividends before any tax or franking credit benefits.

Break it down for me by yield. What could I earn?

We already know what your portfolio can generate if it yields around 3%.

But if your portfolio has a slightly higher dividend yield of around 4%, your passive income will go up too because $630,000 x 4% = $25,200 per year in dividend payments. 

If your superannuation portfolio yields closer to 5%, you could earn $31,500 every year in dividend payments off the same superannuation balance ($630,000 x 5% = $31,500).

At a 6% yield, you could earn an annual passive income closer to $37,800, and at 7%, that could be even higher, at around $44,100.

And so on… 

Give me some options for ASX shares that yield around 4% or 5%

A 4% or 5% yielding portfolio on a $630,000 superannuation balance will earn around $25,200 to $31,500 every year.

That's a decent income, and there are a lot of quality high-yield ASX shares that yield around that level.

My top picks would be ASX blue chips like National Australia Bank Ltd (ASX: NAB), Rio Tinto Ltd (ASX: RIO), Fortescue Ltd (ASX: FMG), Woodside Energy Group Ltd (ASX: WDS), Bendigo and Adelaide Bank Ltd (ASX: BEN), or Medibank Private Ltd (ASX: MPL). These blue chips are highly reputable stocks that all pay out around 4% to 5%.

Alternatively, defensive stocks like Telstra Group Ltd (ASX: TLS), Transurban Group (ASX: TCL), APA Group (ASX: APA), and TPG Telecom Ltd (ASX: TPG) are a good option because they are able to maintain stable earnings through each part of the economic cycle. And stable earnings translate to a stable dividend payout.

And what about high-yield options closer to 8%?

There are some high-yield options that could fit the bill. A yield around this level on a $630,000 superannuation balance could generate around $50,400 in annual passive income, but it comes with additional risk.

If high-yielding shares are still what you're after, these would be my top picks.

Your best bet would be to go for an ETF like the BetaShares Australian Top 20 Equities Yield Maximiser Complex ETF (ASX: YMAX), BetaShares Global Cybersecurity ETF (ASX: HACK), or the iShares S&P 500 ETF (ASX: IVV). 

If you're after a single stock, then GQG Partners Inc (ASX: GQG) and IPH Ltd (ASX: IPH) both yield above 8% at the time of writing.

The post How much passive income can I earn off a $630,000 superannuation balance appeared first on The Motley Fool Australia.

So, to narrow things down, let's see what Morgans is saying about the three in this article.

Are they buys, holds, or sells? Here's what it is recommending:

Deterra Royalties Ltd (ASX: DRR)

Morgans is a fan of this mining royalties company. It was pleased with Deterra Royalties' FY 2026 results and the quality of its earnings.

As a result, the broker has retained its buy rating with a $4.85 price target. It said:

A FY26 result that offered few surprises, but highlights DRR's quality earnings. EBITDA was -1% yoy, while underlying NPAT was +14% yoy. Final dividend of A 10.8cps trailed our estimate by 4%. A good business with an irreplaceable royalty at Mining Area C, and steady progress developing Thacker Pass (lithium royalty), but earnings growth from here is reliant on expanding its portfolio. We maintain a BUY rating, with a A$4.85 target price. DRR could benefit from a growing number of investors seeking inflation protection while also offering an above-market yield.

GQG Partners Inc (ASX: GQG)

This fund manager's half-year results were a touch short of the broker's expectations.

In response, Morgans has retained its accumulate rating (between buy and hold) with a trimmed price target of $1.52. It also highlights the potential for a significant dividend yield in the near term. It said:

GQG's 1H26 NPAT of US$228m, was -1% on the pcp, but +2% above consensus (US$225m).  We would summarise this result as resilient margins in a tough operating environment, offset by the key concern that GQG's investment performance is materially lagging its benchmarks on both a 1 and 3-year basis. In a shock, management also flagged GQG is now overweight technology and semiconductor stocks, except within its emerging markets portfolio. 

We leave GQG FY26F EPS forecasts largely unchanged, but lower outer years 3%–5% on reduced net flow assumptions; our GQG price target falls to A$1.52 (from A$1.66). The near-term operating environment remains difficult for GQG; however, we think it's hard not to see long-term value in the franchise at current levels, trading on ~7x FY1 PE with a ~>10% dividend yield. ACCUMULATE.

TPG Telecom Ltd (ASX: TPG)

Morgans notes that this telco delivered half-year results and full-year guidance that were largely in line with expectations. 

In light of this, the broker has responded by retaining its accumulate rating and $4.00 price target on TPG Telecom's shares. It commented:

TPG's 1H26 results and reiteration of full-year guidance were largely in line with expectations. For us the highlights were: a clean and easily digestible set of accounts that sets the path for growth; double-digit growth in FCF to equity; and an 11% YoY increase in the dividend to 10cps, which is now 25% franked. We make immaterial forecast changes, retaining our $4 target price and our Accumulate recommendation.

The post Buy, hold, sell: Deterra Royalties, GQG Partners, and TPG Telecom shares appeared first on The Motley Fool Australia.

What did GQG Partners Inc. report?

• Revenue from ordinary activities: US$397.2 million, down 1.4% year on year
• Net profit after tax: US$228.4 million, down 0.8% year on year
• Average funds under management: US$164.5 billion, up 1.0% year on year
• Distributable earnings: US$234.9 million, down 0.7%
• Final dividend: US$0.0365 per share paid in March; interim dividend: US$0.0354 per share paid in June; new dividend declared: US$0.0362 per share, unfranked
• Net tangible assets per CDI: US$0.10 (30 June 2026), up from US$0.08

What else do investors need to know?

GQG Partners managed US$156.0 billion in assets at the end of June 2026, with net flows in the period negative at US$(15.1) billion. The business reported that all four major investment strategies trailed their benchmarks over one, three, and five years, mainly due to defensive positioning in volatile markets.

Operating expenses were tightly managed, falling 0.5% from the previous year. The company maintained a robust balance sheet with US$168.9 million in cash and no debt, and returned 90% of distributable earnings to shareholders through dividends.

What did GQG Partners management say?

Chief Executive Officer Tim Carver said:

It is my pleasure to share GQG's results for the first half of 2026…Our business is headquartered in the United States, with offices in Australia, the United Arab Emirates, and the United Kingdom…We remain focused on delivering long-term value for clients through a disciplined investment process designed to compound capital across a range of market environments.

What's next for GQG Partners?

Looking ahead, GQG Partners aims to stick with its active, benchmark-agnostic investment approach and continue building concentrated, high-conviction portfolios. Management highlighted opportunities for product innovation, especially in ETFs, following strong growth in its US Equity ETF.

The fund manager expects to maintain its disciplined cost base and strong dividend payout in line with its policy. GQG says it remains well positioned to serve and grow its diversified global client base, supported by a culture of co-investment and long-term value creation.

GQG Partners share price snapshot

Over the past 12 months, GQG Partners shares have declined 18%, trailing the All Ordinaries Index (ASX: XAO).

View Original Announcement

The post GQG Partners: 2026 half-year earnings appeared first on The Motley Fool Australia.

The only issue is that it can be difficult to work out exactly how to earn the passive income you want and which ASX 200 shares could help you get there.

Let's break it down, using an annual $10,000 passive income as an example.

What portfolio size do I need to get $10,000 per year in passive income from ASX 200 shares?

To work out how much you'd need to invest in ASX shares to earn your $10,000 per year passive income goal, you need to divide that passive income figure by the dividend yield of your overall portfolio. 

For example, $10,000 at a 3% dividend yield is roughly $333,000. This is the portfolio size you'd need to earn your desired passive income each year.

The tricky part is that the answer varies significantly 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. 

How much do I need to invest to earn $10,000 per year from a 4% yielding portfolio? And what ASX 200 shares can I choose from?

To earn the same passive income from a 4% yielding portfolio, you'd need around $250,000. That's because $10,000 ÷  4% = $250,000.

There are several ASX 200 shares that yield around 4%.

At the time of writing, QBE Insurance Group Ltd (ASX: QBE) and ANZ Group Holdings Ltd (ASX: ANZ) both pay a yield of just over 4%. As do Aurizon Holdings Ltd (ASX: AZJ) and Contact Energy Ltd (ASX: CEN).

What about if my portfolio yielded 5%? How much do I need to invest, and what ASX 200 shares can I buy?

To earn the same passive income off a 5% yielding portfolio, you'd need to invest around $200,000 ($10,000 ÷  5% = $200,000).

Again, there are several dividend-paying shares listed on the ASX 200 that yield around this level.

Energy providers Origin Ltd (ASX: ORG) and AGL Energy Ltd (ASX: AGL) yield around this level. As do Amcor Ltd (ASX: AMC), Ebos Group Ltd (ASX: EBO) and Harvey Norman Holdings Ltd (ASX: HVN).

Are there options if I want my portfolio to yield much higher at around 7% or 8%?

To earn your $10,000 passive income off a 7% or 8% yielding portfolio, you'd need to invest much less. Around $143,000 at 7% or $125,000 at 8%.

There are several ASX shares that yield around this level, but not many of them are listed at this level, let alone in the top 200. Higher yields generally come with more risk or sometimes represent a declining share price.

There are some options, though. GQG Partners Inc (ASX: GQG), Wam Leaders (ASX: WLE), Spark New Zealand Ltd (ASX: SPK), Atlas Arteria Ltd (ASX: ALX), and Beach Energy Ltd (ASX: BPT) are all ASX 200-listed shares yielding 7% or even higher.

The post These ASX 200 shares could generate $10,000 per year in passive income appeared first on The Motley Fool Australia.

It's the type of nest egg that many Australians strive for. They focus hard on building their balance, adding extra contributions where they can, and ensuring the super fund is performing well.

It's a solid strategy. But superannuation is more than just a savings post to draw money from when you stop working.

If invested wisely, it can also generate a passive income once you transition to retirement. 

But how much passive income could a $730,000 balance realistically generate each month?

Let's take a look.

What passive income can I earn off my $730,000 superannuation balance?

There is a simple calculation to help.

To calculate your potential passive income, you need to multiply your total superannuation balance by the overall dividend yield of your portfolio.

The tricky part is that the answer varies widely depending on what dividend yield you pick.

For example, $730,000 x 3% = $21,900 per year in dividend payments.

But if your portfolio has a slightly higher dividend yield of around 4%, your passive income will be higher. That's because $730,000 x 4% = $29,200 per year in dividend payments. 

If your superannuation portfolio yields closer to 5%, you could earn $36,500 every year in dividend payments off the same superannuation balance ($730,000 x 5% = $36,500).

At a 6% yield, you could earn an annual passive income closer to $43,800, and at 7%, that could be even higher, at around $51,100.

And so on… 

As your dividend yield increases, the passive income you can earn off your $730,000 superannuation balance also increases.  

These figures are based on cash dividends before any tax or franking credit benefits.

I want to earn around $30k per year in passive income. What ASX shares could I invest in?

To earn around $30,000 per year in passive income off a $730,000 superannuation balance, you'd need a portfolio yielding around 4%. There is a huge range of good-quality ASX shares around this level. 

Here are some of my top picks.

Defensive shares like Telstra Group Ltd (ASX: TLS), Transurban Group (ASX: TCL), or APA Group (ASX: APA) are a solid choice for income-seeking investors. These all yield 4% or even more at the time of writing.

Elsewhere, ASX bank stocks are also a popular choice. The big four major banks dominate the S&P/ASX 200 Index (ASX: XJO) by market capitalisation, and their defensive qualities means their shares are often able to bounce back in times of economic recovery. National Australia Bank Ltd (ASX: NAB), Westpac Banking Corp (ASX: WBC), and ANZ Group Holdings Ltd (ASX: ANZ) all yield around 4%.

Energy majors like Santos Ltd (ASX: STO), AGL Energy Ltd (ASX: AGL), and Origin Energy Ltd (ASX: ORG) are also a good option. They all yield 4% or higher.

What if I wanted to earn closer to $60k in passive income from my superannuation balance? What are my options?

To earn closer to $60,000 per year off the same balance, your portfolio would need to yield just over 8%. It's still possible, and there are many ASX shares yielding around this level. 

But note that when it comes to investing your superannuation into ASX dividend shares, generally the higher the yield, the higher the risk associated with that stock.

If high-yielding shares are still what you're after, these would be my picks.

Your best bet would be to go for a listed investment trust or an exchange-traded fund (ETF) like the BetaShares Australian Top 20 Equities Yield Maximiser Complex ETF (ASX: YMAX) or the Metrics Income Opportunities Trust (ASX: MOT). Or if you're after a single stock, then GQG Partners Inc (ASX: GQG) and IPH Ltd (ASX: IPH) both yield over 8% at the time of writing.

The post How much passive income can I earn off my $730,000 superannuation balance? appeared first on The Motley Fool Australia.

What did GQG Partners report?

• Total FUM at 31 July: US$156.4 billion (up from US$156.0 billion month prior)
• July net outflows: US$4.5 billion across all strategies
• Positive investment performance in July: +US$5.0 billion
• Year to date net outflows: US$19.6 billion since 31 December 2025
• Year to date investment performance: +US$12.2 billion

What else do investors need to know?

GQG Partners saw growth in funds under management in July 2026, despite clients withdrawing more money than they invested. All major strategies (International, Emerging Markets, Global, US) faced net outflows, but these were offset by positive market movements that lifted the underlying value of invested assets.

The company noted that inflows from new and existing clients did not keep pace with outflows in July or year-to-date. Importantly, these results do not include activity related to GQG's Private Capital Solutions division.

What's next for GQG Partners?

Looking ahead, GQG Partners has scheduled its next monthly FUM updates for 11 September, 12 October, and 11 November 2026. The company will likely keep investors updated on net flows, performance, and any changes to strategy.

Management will be looking for ways to stabilise flows and attract more investor capital, while maintaining a focus on delivering positive investment returns.

GQG Partners share price snapshot

Over the past 12 months, the GQG Partners share price has underperformed the S&P/ASX 200 Index (ASX: XJO) by some distance with an 18% decline.

View Original Announcement

The post GQG Partners share price on watch following July 2026 FUM update appeared first on The Motley Fool Australia.

But many just see it as savings to draw from when they stop working. They overlook how much passive income their nest egg could actually generate once they transition to retirement.

A $500,000 superannuation balance can provide a great foundation for retirement. But how much passive income could it realistically generate each month?

Let's investigate.

What passive income can I earn off a $500,000 superannuation balance?

To calculate your passive income, you need to multiply your total superannuation balance by the overall dividend yield of your portfolio.

The tricky part is that the answer varies widely depending on what dividend yield you pick.

For example, $500,000 x 3% = $15,000 per year in dividend payments.

But if your portfolio has a slightly higher dividend yield of around 4%, your passive income will be higher. That's because $500,000 x 4% = $20,000 per year in dividend payments. 

If your superannuation portfolio yields closer to 5%, you could earn $25,0000 every year in dividend payments off the same superannuation balance ($500,000 x 5% = $25,000).

At a 6% yield, you could earn an annual passive income closer to $30,000 and at 7% that could be even higher, at around $35,000.

And so on… 

As your dividend yield increases, the passive income you can earn off your $500,000 superannuation balance also increases.  

These figures are based on cash dividends before any tax or franking credit benefits.

What 3-6% yielding ASX shares can I invest superannuation in?

On a $500,000 balance, a 3-6% yield will earn anywhere between around $15,000 to $30,000 per year in passive income.

BHP Group Ltd (ASX: BHP) and Coles Group Ltd (ASX: COL) yield around 3%.

And 4% yielding options could be something like Santos Ltd (ASX: STO) or Westpac Banking Corp (ASX: WBC).

For a 5% yield I'd look at ASX shares such as APA Group (ASX: APA) or Dexus Industria REIT (ASX: DXI).

And what about options for high-yielding shares, around 7-9%?

Higher-yielding ASX shares often come with additional risk, hence the higher payout.

Some good high-yield options are Premier Investments Ltd (ASX: PMV), IPH Ltd (ASX: IPH), or GQG Partners Inc (ASX: GQG).

Can't I just invest in the highest-yielding ASX shares to receive the highest passive income?

Yes, but it doesn't make good investment sense.

When it comes to investing your superannuation into ASX dividend shares, generally the higher the yield, the higher the risk associated with that stock.

Rather than trying to get rich quick, it's better to focus on a diverse range of high-quality businesses with strong balance sheets and stable earnings. Ideally, you want to focus on stocks that are most likely to stand the test of time.

The post How much passive income could I earn from a $500,000 superannuation balance? appeared first on The Motley Fool Australia.

There are a huge number of great dividend-paying ASX companies out there. But the issue is that their yield will vary wildly, and therefore so will their payouts.

Major Australian blue-chip companies usually pay around the 3% to 4% level because they're stable defensive assets.

Then you have your real estate investment trusts (REITs) and stable energy infrastructure or utility operators. These typically yield a little higher, at around 6%, because they carry a slightly elevated risk.

Then there are your high-yield shares, which pay over 10%. ASX dividend shares that yield this high usually come with a lot more risk. That means they could be cyclical businesses that fluctuate significantly with market cycles, niche companies with strong cash conversion, or they have discounted share prices. 

If you have the appetite for risk, high-yield shares could provide much higher returns.

But it can be tricky to work out which ones are the best to buy.

Here are two of my top high-yield ASX dividend shares, and they both pay a yield of over 10%.

BetaShares Australian Top 20 Equities Yield Maximiser Complex ETF (ASX: YMAX)

YMAX is an ASX-listed exchange-traded fund (ETF) that gives its shareholders exposure to Australia's 20 largest blue-chip shares, rather than just one individual company.

The fund is heavily weighted into the financial sector, which accounts for 44.6% of its allocation at the time of writing. The materials sector is second, accounting for 23.4% of its allocation. Elsewhere, it also invests into the consumer discretionary, consumer staples, energy, industrials, real estate, communications, and healthcare sectors. 

YMAX also differs from a lot of other ASX dividend stocks because it pays its shareholders on a monthly basis.

As of the 30th of June, YMAX has a 12-month gross distribution yield of 10.4%, and a net yield of 8.8%. The total franking level is 41.2%.

The ASX dividend share's next dividend is a 5 cents per unit payment to shareholders on the 18th of August. It has paid between 3.5 cents and 5 cents per share since it moved to monthly payouts in February this year.

GQG Partners Inc (ASX: GQG)

GQG is a global boutique asset management company focused on active equity portfolios. It offers investment advisory and portfolio management services for investors. Clients include pension funds, sovereign funds, wealth management companies, and individual investors. 

The company is headquartered in Fort Lauderdale, Florida. GQG also has operations in New York, Seattle, London, Sydney, and other locations.

Like YMAX, GQG pays more regularly than a lot of other ASX dividend shares. The company has historically paid four unfranked shareholder dividends a year in March, June, September, and December.

The asset management business currently pays approximately 90% of its distributable profit to shareholders. It most recently paid an interim dividend of 3.4 cents per unit in June, unfranked, which translates into an annualised dividend yield of 15.47% at the time of writing.

The post 2 ASX dividend shares with yields above 10% appeared first on The Motley Fool Australia.

A common misconception is that investors need to invest millions of dollars (or more) to make it worth it.

The reality is that you could earn a good passive income off a portfolio of around $100,000.

But what could that passive income actually look like?

Let's break it down.

How much could I earn off a $100,000 ASX share portfolio?

The easiest way to calculate your passive income is by multiplying your total portfolio value by your dividend yield.

The tricky part is that the answer varies widely depending on the dividend yield of your portfolio.

For example, $100,000 x 3% = $3,000 per year in dividend payments.

But if your portfolio has a dividend yield of around 6%, your passive income will be double the size. That's because $100,000 x 6% = $6,000 per year in dividend payments. 

And so on. As your dividend yield increases, the passive income you can earn from your $100,000 portfolio also increases.  

These figures are based on cash dividends before any tax or franking credit benefits.

Of course, this type of money isn't going to become a primary income stream, but it'll certainly help create an extra buffer.

Which ASX shares could earn me $3,000 per year in dividends?

To earn an annual passive income of around $3,000, your portfolio will need to yield around 3%.

A 3% dividend yield is very achievable, and there is a wide range of high-quality ASX dividend shares that pay out around that level. 

For example, major blue chips like BHP Group Ltd (ASX: BHP) and Commonwealth Bank of Australia (ASX: CBA) pay around the 3% mark. As do long-standing ASX dividend players like Washington H. Soul Pattinson and Co Ltd (ASX: SOL), ASX healthcare giant CSL Ltd (ASX: CSL), and Coles Group Ltd (ASX: COL).

What ASX shares could help me earn around $6,000 per year in dividend payments?

To earn an annual passive income of around $6,000, your portfolio will need to yield around 6%.

This is a little higher than the average across the index, but there are still plenty of options available.

For example, long-standing ASX dividend payer APA Group Ltd (ASX: APA) pays around 6%. Metcash Ltd (ASX: MTS) also pays around a 6% yield, as does energy provider AGL Energy Ltd (ASX: AGL).

What about if I wanted to earn $10,000 per year in dividends? Is that possible?

Technically, yes, although your portfolio would need to average a dividend yield of around 10%. 

There are options around this level, but they generally come with higher risk.

Some good high-yielding ASX shares are IPH Ltd (ASX: IPH) and non-bank lender Liberty Financial Group Ltd (ASX: LFG). Meanwhile, GQG Partners Inc (ASX: GQG) yields even higher, at around 16%.

Of course, it's important to note that, ideally, you want to build a portfolio comprising a mix of different yielding shares for diversification, rather than a portfolio of just one stock.

The post How much could a $100,000 ASX share portfolio pay in dividends? appeared first on The Motley Fool Australia.

You just need to know how to invest it and understand what level of passive income to expect.

The benefit of investing your superannuation for a passive income in retirement is that it comes with the added benefit of low tax rates and long-term compounding.

The only downside is that you can't access it until you reach retirement age.

But how much do you actually need in your super to be able to earn the passive income you want in retirement?

Let's break it down, using a monthly $7,000 passive income as a guide.

How much do I need in my superannuation to get a passive income of $7,000 every month?

There's a simple calculation you can use. First, you'd need to work out what your monthly passive income totals over the year, then divide that annual passive income figure by the dividend yield of your portfolio.

For example, $7,000 x 12 = $84,000. Divide that by a 3% yielding portfolio, and you'll need a $2.8 million portfolio in order to earn $84,000 per year (or $7,000 per month).

Of course, a $2.8 million superannuation balance isn't achievable for many Australians. 

But the good news is that as your dividend yield increases, the superannuation balance required to earn the same passive income decreases.

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 passive income. 

How much do I need in my superannuation if my portfolio yields 4%?

To earn $84,000 per year off a 4% yielding portfolio, you'd need to have a balance of around $2.1 million.

ASX shares that could fit the bill include Westpac Banking Corp (ASX: WBC), ANZ Group Holdings Ltd (ASX: ANZ), or Transurban Group (ASX: TCL). These all yield 4% or a little more.

How much do I need in my superannuation if my portfolio yields 5%?

To earn the same $84,000 per year off a 5% yielding portfolio, you'd need to have a superannuation balance closer to $1.68 million.

Shares that yield 5% or just over could include Woodside Energy Group Ltd (ASX: WDS), Universal Store Holdings Ltd (ASX: UNI), and AGL Energy Ltd (ASX: AGL).

What about for a 6% yielding portfolio?

A superannuation balance of around $1.4 million can earn the same passive income on a 6% yielding portfolio.

Harvey Norman Holdings Ltd (ASX: HVN), Fortescue Ltd (ASX: FMG), and Dexus Industria REIT (ASX: DXI) are good examples of ASX shares that yield around 6%.

And for a portfolio that yields 7% or 8%, what do I need then?

Higher-yielding shares mean investors can earn the same passive income off a much smaller superannuation balance, but they do come with added risk.

A $1.2 million or $1.05 million portfolio yielding 7% or 8%, respectively, could earn $84,000 in passive income.

Higher-yielding options include ASX shares such as the BetaShares Australian Top 20 Equities Yield Maximiser Complex ETF (ASX: YMAX), GQG Partners Inc (ASX: GQG), or Centuria Office REIT (ASX: COF).

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Not only can it help you build wealth for later on in life, it also comes with the added bonus of low tax rates and long-term compounding.

But how much do you actually need in your super to be able to earn the passive income you want in retirement?

Let's break it down, using a $50,000 per year passive income as an example.

How much do I need in my superannuation to earn $50,000 per year in passive income?

Working out the superannuation you'll need to earn that level of passive income is more straightforward than you'd think.

Simply divide your annual passive income by the dividend yield of your portfolio.

Of course, the hard part is that the answer varies significantly depending on the dividend yield of your portfolio. 

For example, a portfolio with a dividend yield of around 5% only needs to be half the size of one with a dividend yield of around 2.5% to generate the same level of passive income. 

Breaking it down further

If your overall portfolio has a dividend yield of around 3%, you'll need a balance of around $1.66 million to earn $50,000 per year in passive income.

Then, as your portfolio's dividend yield increases, the superannuation balance required to earn the same passive income decreases. Say the yield of your portfolio is around 4%, for example, your balance would need to be closer to $1.25 million to earn the same dividend income.

For a 5% yielding portfolio, you'd need a balance of closer to $1 million to earn the same amount.

Increase that to a 6% or 7% dividend yield, and you're looking at closer to $833,000 or $714,000. You'd still earn $50,000 per year in passive income from these portfolio sizes.

ASX shares around these dividend yields

There is a huge range of options, but here are a few of my favourite ASX dividend shares to get you started.

At a 2%-3% dividend yield, I'd look at well-known companies like Coles Group Ltd (ASX: COL) or Commonwealth Bank of Australia (ASX: CBA).

For options yielding closer to 4%, my choices would be banking giants such as National Australia Bank Ltd (ASX: NAB) or ANZ Group Holdings Ltd (ASX: ANZ).

If you want a slightly higher yield around 5% or 6%, I'd invest in something like Santos Ltd (ASX: STO) or Woodside Energy Group Ltd (ASX: WDS).

Then your high-yield players could include GQG Partners Inc (ASX: GQG) or IPH Ltd (ASX: IPH). These yield 7% or more.

The post How much do I need in my superannuation to get $50k per year in passive income? appeared first on The Motley Fool Australia.

However, research shows the average yield is on the decline. 

At the time of writing, the trailing 12-month dividend yield of the S&P/ASX 300 Index (ASX: XKO) sits at approximately 3.5%. 

For retirees seeking passive income, this makes it all the more important to find strong companies with a track record of high dividends.  

A balanced retirement portfolio 

Dividend-paying stocks are an important complement to superannuation in a retiree's investment portfolio because they provide an additional source of regular income outside of super pension payments. 

While superannuation forms the foundation of retirement savings, a portfolio of quality dividend-paying Australian shares can generate cash flow that helps meet ongoing living expenses, reducing the need to draw down super balances as quickly. 

This can help extend the longevity of retirement savings while also providing the potential for capital growth and tax-effective income through franking credits, making dividend stocks a valuable component of a well-diversified retirement strategy. 

With that in mind, here are three options offering dividend yields above the 3.5% benchmark. 

GQG Partners Inc (ASX: GQG)

GQG Partners has been a popular ASX dividend stock for many years. 

It is a global boutique asset management company focused on active equity portfolios. The company offers investment advisory and portfolio management services for investors across three continents.

It has historically paid four unfranked shareholder dividends a year.

After seeing its share price fall significantly, it now offers a historically high dividend yield of over 13%. 

It has also drawn positive outlooks from brokers, which could give retirees the chance to cash in on passive income and solid capital growth over the next few years. 

Hearts and Minds Investments Ltd (ASX: HM1)

Hearts & Minds Investments has two goals aiming to maximise long-term shareholder returns.  

It invests in high-conviction ideas and provides critical financial support to leading medical research institutes. 

Its dividend has steadily increased since FY23, and is set to hover around 10% throughout the next financial year. 

APA Group (ASX: APA)

APA Group is another ASX dividend share offering attractive yields. 

It is Australia's largest energy infrastructure company, owning and/or operating an extensive portfolio of gas, electricity, solar, and wind assets. 

The company is a major owner and operator of Australia's gas distribution network, including pipelines, gas-fired power stations, and storage facilities. 

It has brought investors solid growth over the last 12 months, rising 25%. 

Additionally, it is expected to yield nearly 6% by FY28. 

The post Three perfect retirement dividend shares offering 5% yields or higher  appeared first on The Motley Fool Australia.

But there are a few exceptions.

Here are two ASX dividend shares offering forecast yields of around 10%, accompanied by analyst forecasts of up to 25% upside over the next 12 months.

GQG Partners Inc (ASX: GQG)

GQG Partners has endured a difficult year. The ASX dividend share has fallen around 35% over the past 12 months, leaving the fund manager trading on what many investors would consider a compelling valuation.

GQG manages active investment strategies focused on international shares, emerging markets, US equities, and global equities. The business generates strong cash flow through management fees and has built a reputation for returning a large portion of profits to shareholders. In fact, GQG currently distributes approximately 90% of its distributable profit as dividends.

That generous payout policy, combined with the weaker share price, has pushed the stock's annualised dividend yield to an eye-catching 11.7% based on its latest quarterly dividend.

The quarterly payment schedule is another attraction for income investors, providing more frequent cash flow than the typical twice-yearly dividend.

Despite the recent weakness in the share price, the business itself remains highly profitable. The stock is currently trading on a price-to-earnings ratio of around 6.5, well below many other high-quality financial companies.

Importantly, analysts also see recovery potential. Consensus price targets imply more than 30% upside, offering investors the rare combination of a generous income stream and potential capital gains.

IPH Ltd (ASX: IPH)

IPH is one of the ASX's quieter dividend performers. The share price has been under pressure last year, losing 18% at the time of writing.

The company provides intellectual property services, including patents, trademarks, portfolio management, and enforcement through a network spanning 25 countries across 10 jurisdictions. It is the largest IP services provider in the Asia-Pacific region.

One of IPH's biggest strengths is its remarkably dependable cash generation. During its first-half FY26 results, the ASX dividend share reported cash conversion of 101%, highlighting the resilience of its business model.

Strong cash flow has supported steadily rising dividends over many years. The latest interim dividend increased 11.8% to 10 cents per share, reflecting management's confidence in the business.

Based on current forecasts, IPH is expected to pay fully franked dividends totalling 38 cents per share in FY26. At the current share price, that equates to a forward dividend yield of just over 10%.

Analysts also believe the shares have room to climb from here, with consensus price targets suggesting more than 25% upside.

Foolish takeaway

High yields often come with elevated risks, so investors should always look beyond the headline dividend.

In the case of GQG Partners and IPH, however, both companies continue generating strong cash flow while trading at relatively modest valuations.

That combination has created an unusual opportunity: ASX dividend shares capable of delivering attractive passive income today while also offering the potential for meaningful capital growth over the year ahead.

For investors seeking both income and upside, these two stocks could be well worth a closer look.

The post 2 ASX dividend shares with 10% yields and 25% upside potential appeared first on The Motley Fool Australia.

GQG is a leading US-based fund manager offering four main strategies. Its key funds are focused on international shares (excluding the US), emerging market shares, US shares and global shares.

Headwinds to turn into tailwinds?

Short-term investment performance has been difficult as the fund manager positioned its portfolios defensively to protect against excessive, lofty valuations. Despite that, all four of its strategies have outperformed their respective benchmarks since their inception in 2014.

I think the business has a lot of potential to outperform from this current low point in the GQG share price.

The business could see better performance in the coming months if share markets rise, providing a tailwind for its funds under management (FUM) to rise. Or, if the market falls, its defensive positioning could enable outperformance of the benchmark.

FUM outflows have already slowed significantly, and returning to outperformance could help GQG regain FUM inflows.

Big dividend yield

The business is currently paying out approximately 90% of its distributable profit to shareholders, which is a very generous level of passive income.

With the large drop in the GQG share price, it's now trading on a very low price/earnings (P/E) ratio, giving investors an opportunity to buy this business for incredible value.

It pays its dividend quarterly, meaning investors receive their payouts at a pleasing frequency. The latest dividend was AU $0.04878 per share, which translates into an annualised dividend yield of 13.4%.

That also suggests that the business is currently valued at less than 7x its current annualised distributable profit.

If FUM were to continue declining over a long period, that would not be ideal. But GQG has a long track record of outperforming its benchmarks, and I believe it can get back to that level of performance.

What do analysts think of the GQG share price?

According to CMC Invest, there have been three ratings on the business within the last three months, with two buy ratings and one hold rating. The average price target is $1.76, implying a possible rise of around 20% over the next year.

Overall, it seems like the business is significantly undervalued, and it can provide investors with a lot of passive income.

The post Down 39% in 12 months with a 13% yield, are GQG shares too cheap to ignore? appeared first on The Motley Fool Australia.

The passive income can be particularly attractive thanks to a combination of a low valuation, a rewarding dividend payout ratio and potentially franking credits.

I'm going to highlight two businesses that are delivering large dividend yields.

Centuria Office REIT (ASX: COF)

This business describes itself as Australia's largest listed pure play office real estate investment trust (REIT). It says it owns a portfolio of high-quality office assets situated in core submarkets throughout Australia.

Office properties are not exactly a 'hot' sector. But, I think this business is deeply undervalued.

Its FY26 third quarter update was very promising – it reported a four-year weighted average lease expiry (WALE) of four years with an occupancy rate of 90%. That means it's generating a significant level of rental income from its portfolio.

But, the most pleasing element of the ASX share's update on the rental side was that it announced 5,742sqm of lease terms agreed, with an 8.6% re-leasing spread. In other words, the new rental contracts are generating 8.6% more rental income than the old contracts. This could bode well for future rental contracts.

It also noted it had refinanced $1 billion of debt, with a 30 basis point (0.30%) reduction of debt margins, while the debt expiry was extended to 4.3 years.

For me, one of the main reasons why it has such a large dividend yield and why it looks undervalued is because it's trading at a massive discount to its reported underlying value. It reported net tangible assets (NTA) of $1.72 as at 31 December 2025 – it's trading at a 47% discount to this.

The fund manager of the REIT, Belinda Cheung, recently said:

Looking ahead, we maintain an optimistic outlook for the Australia metropolitan office markets across the medium term. Diminishing forecast supply has been further impacted by rising rates and inflation and is expected to amplify the significant disconnect between replacement costs and current valuations. The widening gap of economic rents to prevailing market rents not only prohibits feasible office development but provides ample room for current market rents to continue to grow and underpin future valuations, reinforcing the relative value of existing high-quality, well-located office assets.

It's generating real rental profit and paying large distributions with that rental income. Its FY26 annual distribution translates into a distribution yield of 11%.

GQG Partners Inc (ASX: GQG)

The other ASX share I want to highlight is the fund manager GQG, which, up until recently, had an excellent long-term track record of investment returns.

Following a 40% decline since July 2025, I think the ASX share is now very cheap with a single-digit price/earnings (P/E) ratio.

While the company is still experiencing fund outflows, that pace of the outflows have reduced and if it can deliver positive investment returns then its funds under management (FUM) could still climb, despite the headwind of outflows.

I believe the market is mispricing the potential of GQG to start achieving positive net inflows again.

The ASX share's latest quarterly dividend of AU 4.878 cents translates into a dividend yield of 3.4%. Annualised, that's a dividend yield of 13.4%. That's a huge yield! The dividend returns alone could outperform the S&P/ASX 200 Index (ASX: XJO) for the foreseeable future.

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Among the 11 market sectors, energy is in the lead, recovering 0.8% after yesterday's thrashing on news of a US-Iran peace deal.

The consumer discretionary sector is the laggard, down 1.5% today, giving back some of last week's big gains.

Let's take a look at some new ratings on three ASX shares.

GQG Partners Ltd (ASX: GQG)

The GQG Partners share price is $1.43, down 0.7% today and down 19% in the calendar year to date (YTD). 

Morgans has reiterated its accumulate rating on this ASX financial share. 

The broker said: 

GQG has provided a May FUM update. Overall, monthly outflows appear to be stabilising in the -A$1.5bn to -A$2.0bn range, although investment performance remains highly volatile.

While FUM is effectively flat calendar year-to-date, with outflows offset by positive market movements, we acknowledge it will be difficult for GQG to re-rate until the current outflow cycle ends.

While the near-term operating environment remains difficult, we continue to see long-term value in the GQG franchise, trading at ~9x FY1 PE with a ~10% dividend yield.

Morgans reduced its 12-month price target from $1.92 to $1.64.

This implies a potential 15% upside from here.

Domino's Pizza Enterprises Ltd (ASX: DMP)

The Domino's Pizza share price is $15.89, down 0.5% today and down 27% YTD. 

Morgans has downgraded its rating on this ASX consumer discretionary share to hold.

The broker said: 

The trading environment for DMP has become more challenging than previously assumed, and we have updated our forecasts to reflect a weaker SSS (same-store-sales) outlook across all three regions, compounding cost pressures on ANZ franchisee economics, and a more adverse FX environment in Japan.

The earnings recovery, albeit modest, remains on track but it is entirely cost-driven; there is no volume improvement embedded in our numbers until outer years.

We move to a HOLD rating until there is evidence of further cost management and SSS recovery.

The broker reduced its price target from $25 to $17.60.

This suggests 10% capital growth ahead.

Domino's Pizza is currently one of the most shorted shares on the ASX.

PEXA Group Ltd (ASX: PXA)

The PEXA Group share price is $10.39, down 1.6% today and down 22% YTD. 

PEXA is a digital property exchange business operating in Australia and, more recently, the UK.

Andrew Wielandt from DP Wealth Advisory has a sell rating on this ASX real estate share. 

Wielandt said (courtesy The Bull):

Australian property transaction volumes grew by 7 per cent in the third quarter of 2026, but moderated in the UK from the first half.

In our view, recent proposed changes to capital gains tax and negative gearing are likely to have a cooling impact on the Australian property market.

Investors may want to consider cashing in some gains and see what unfolds in the Australian and UK property markets.

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