Figures from industry analyst Chant West show that since the introduction of mandatory superannuation in the early 1990s, the median growth fund has returned 8% per year, well above the inflation rate over that period.

The big question is, how much superannuation do you need?

Of course, that depends on what sort of income stream you'd like in retirement, and whether you can afford to save enough during your working life to set yourself up.

Having a goal in mind is the first step, so let's see what it would take to generate $80,000 per year in income from your superannuation.

How much in superannuation savings do you need for $80,000 per year in income?

For simplicity's sake, I will calculate this based on dividends alone. However, once people start to draw down on their superannuation, it is, in practice, usually a combination of dividends and share sales (capital gains) that creates the income stream.

To calculate how much you will need to generate $80,000 per year, you need to make an assumption about how much you can expect to earn from dividends, or the average dividend yield.

I would argue that with the benefit of franking credits a return of about 7.5% is realistic.

Franking credits pay back a shareholder for the company tax already paid, which is 30% for a fully franked dividend.

In practice this means that a 5% fully franked dividend is worth 7.14% once credits are taken into account for retirees who pay a zero per cent tax rate.

Not all shares you own need to pay this rate. Some can be lower-dividend, higher-growth shares, while some can be high-dividend payers.

Which shares could I buy to generate an $80,000 income stream?

An example of the latter is some infrastructure stocks such as Atlas Arteria Ltd (ASX: ALX), which is currently paying a trailing dividend of 7.6%, albeit without franking.

In the financial services sector, Morgan Stanley predicts Bank of Queensland Ltd (ASX: BOQ) will pay at least a 6% dividend in FY28, while Regal Partners Ltd (ASX: RPL) is paying a trailing dividend of almost 13%.

Among the major retailers, the dividend yields are a bit lower, with Woolworths Group Ltd (ASX: WOW) paying 2.35% and Coles Group Ltd (ASX: COL) 3.27%, although they do come with the security of large, stable markets.

Real estate investment trusts can also be good dividend payers, with Arena REIT (ASX: ARF) paying 7.6%, Charter Hall Long Wale REIT (ASX: CLW) paying 7.84%, while Waypoint REIT (ASX: WPR) pays 8.18%.

The post How much is needed in superannuation to target $80,000 a year in passive income? appeared first on The Motley Fool Australia.

If you are, then take a look at the two in this article that Bell Potter is recommending to clients.

Here's what the broker is saying about them:

Jumbo Interactive Ltd (ASX: JIN)

Bell Potter thinks that online lottery ticket seller Jumbo Interactive could be an ASX dividend share to buy.

This morning, the broker has upgraded its shares to a buy rating with an $8.00 price target (from $7.20). Based on its current share price of $5.77, this implies potential upside of almost 40% for investors.

Commenting on its upgrade, Bell Potter said:

We continue to see risk to JIN's market share as TLC strengthens its digital offering, while the upcoming renewal of the TLC reseller agreement presents a near-term overhang. However, our probability-weighted scenario analysis suggests the risk/reward profile is skewed favourably despite these risks, leading us to upgrade our recommendation from Hold to Buy. 

Given prevailing market sentiment, we see the reseller agreement renewal as a potential positive catalyst. We continue to view regulatory and tax developments as key risks to the Dream businesses and our forecasts. JIN trades on 3.9x FY27e EBITDA.

As for income, the broker is forecasting fully franked dividends of 26 cents per share in FY 2027 and 30 cents per share in FY 2028. This represents dividend yields of 4.5% and 5.2%, respectively.

Regal Partners Ltd (ASX: RPL)

Another ASX dividend share that has been given the thumbs up by Bell Potter is asset manager Regal Partners.

The broker has retained its buy rating on Regal Partners' shares with a trimmed price target of $4.50 (from $4.80) this morning. Based on its current share price of $2.05, this implies potential upside of approximately 120%.

Speaking about the stock, the broker said:

The base business is running at a pre-tax profit of $62m. That sees it valued around 11x earnings, stripping the per-share value of the cash and seed capital out of the share price (nil debt excluding leases) to get an implied TTC number with no performance fees. This is more than fair based on the track record, earnings leverage and proven net inflows of more than $2.0bn across nine months, in line with ambitions. 

However, RPL has de-rated from around 9x to 7x earnings, a steeper contraction than peers, from 18x to 15x. Maintain Buy. Regal is understood to have sold part of its stake in Firmus, de-risking the next valuation mark if this is captured in the share price.

Bell Potter is forecasting some big dividend yields in the near term. It expects fully franked dividends of 19 cents per share in FY 2026 and then 20 cents per share in FY 2027. This represents dividend yields of 9.3% and 9.75%, respectively.

The post 2 ASX dividend shares with 40% to 120% upside appeared first on The Motley Fool Australia.

The sooner you start planning, the sooner you can reap the benefits of compound interest.

Today I'm looking at how much you'd need to have saved to generate $1,000 a week, or $52,000 a year, in income.

This level is slightly below the level of income the Association of Superannuation Funds of Australia (ASFA) says is necessary for a comfortable retirement.

How much do you need for a comfortable retirement?

ASFA has pegged this at $56,166 for singles or $78,998 for couples, but keep in mind they assume the retiree owns their home and draws a part pension.

This so-called comfortable retirement would include the ability to hold top-level private health cover, own and maintain a reasonable car, and travel occasionally.

How much would you need in retirement to generate $1,000 per week?

If you are earning 5% on your superannuation savings, you would need $1.04 million. That drops to $520,000 if you earn 10%.

I would argue that, with the benefit of franking credits, a retiree could comfortably aim for a dividend stream returning about 7.5%. This would mean you would need about $693,333 in superannuation to generate $1,000 per week in income.

Franking credits pay back the tax a company has already paid to the shareholder – 30% in the case of fully franked dividends.

Given retirees don't pay tax, they receive this amount back in cash.

This means a 5% fully franked dividend becomes a "grossed-up" 7.14% dividend yield for retirees.

Which shares have strong dividend yields?

Plenty of companies deliver solid dividend yields.

In the property sector, Arena REIT (ASX: ARF) is currently paying 9.03%, Centuria Office REIT (ASX: COF) is paying 11.7%, and Cromwell Property Group (ASX: CMW) is paying 8.57%.

In the financial services sector, Regal Partners Ltd (ASX: RPL) is paying 12%, Bank of Queensland Ltd (ASX: BOQ) 6.01%, and Prime Financial Group Ltd (ASX: PFG) 8.6%.

Toll roads operator Atlas Arteria Ltd (ASX: ALX) recently reiterated its dividend payout and is currently delivering a yield of 8.98%.

What if your superannuation is falling short?

If your superannuation could use a top-up, it's worth exploring concessional contributions.

Up to a cap of $32,500, which includes your employer's superannuation contributions, you can make extra contributions into your retirement savings at a tax rate of 15%.

The post How much superannuation do I need to earn $1,000 per week in passive income? appeared first on The Motley Fool Australia.

Let's check out some new ratings from the experts.

Regal Partners Ltd (ASX: RPL) 

The Regal Partners share price has plummeted 29% over the YTD.

Ord Minnett has a buy rating on this specialist alternative investment manager.

In a new note, the broker said:

Regal Partners (RPL) delivered a strong first-half FY26 result (1H26), although the attention was mainly on the announced transition to retirement of founder and portfolio manager Philip King.

Mr King is responsible for approximately 16% of RPL's funds under management (FUM), or $3.4 billion, and will remain in his current roles until at least 30 June 2027.

Financially, the result was robust. Normalised net profit after tax reached $93 million (guidance was for at least $90 million), more than double the prior corresponding period, and 3% ahead of consensus.

RPL ended FY26 with approximately $289 million of balance sheet capital and access to a further $130 million of undrawn debt facilities. 

Despite the leadership transition risk, RPL is trading on an attractive FY27 price to earnings multiple of circa 8x, and on our numbers, offers around 14% per annum growth in EPS over FY26–29.

APA Group Ltd (ASX: APA)

The APA Group share price is up 20% over the YTD.

Andrew Wielandt from DP Wealth Advisory has a hold rating on this ASX 200 utilities share. 

Wielandt said (courtesy The Bull): 

APA owns an extensive portfolio of energy infrastructure assets across Australia and benefits from long term contracts and inflation-linked tariff increases, which the company negotiates directly with its customers.

APA delivered a strong performance in full year 2026. Underlying EBITDA of $2.183 billion was up 8.3 per cent on the prior corresponding period. Underling EBITDA margins increased to 77.9 per cent.

APA remains a reliable income focused investment, but with more capital to be invested, we retain a hold recommendation.

HomeCo Daily Needs REIT (ASX: HDN)

The HomeCo Daily Needs REIT share price has fallen 20% over the YTD.

This ASX ETF is a real estate investment trust (REIT) that holds properties in the retail, health, and services sectors.

Wielandt has a sell rating on this ASX REIT.

He explains:

Occupancy was 99 per cent in full year 2026. The underlying properties continue to perform well, with a steady increase in rental income.

However, like a number of other REITs, I believe the prospect of higher interest rates, finance costs amid struggling consumers may pressure HDN's performance numbers in full year 2027 in what is a challenging retail sector.

HDN shares have fallen from $1.38 on September 18, 2025 to trade at $1.105 on September 17, 2026.

The post Buy, hold, sell: Regal Partners, HomeCo Daily Needs REIT, APA Group shares appeared first on The Motley Fool Australia.

The specialist alternative investment manager has seen its share price fall more than 30% year to date. 

However, a new report from Ord Minnett points to a major rebound over the next year. 

The company manages a range of investment strategies covering hedge funds, growth equity, real & natural assets and credit & royalties on behalf of institutions, family offices, charitable groups and private investors.

Not just a dividend stock 

In recent months, this ASX financials stock has been highlighted for its generous dividend yield – and for good reason. 

It currently offers a very healthy dividend yield of 11.1%, after more than doubling its net profit over the past financial year.

However, recent share price weakness now makes it an attractive growth option as well. 

According to Ord Minnett, it delivered a strong first-half FY26 result (1H26), though attention focused mainly on the announced transition to retirement of founder and portfolio manager Philip King. 

Mr King is responsible for approximately 16% of RPL's funds under management (FUM), or $3.4 billion, and will remain in his current roles until at least 30 June 2027. The extended handover period should help support continuity. RPL declared a fully franked interim dividend of 12 cents per share (cps) which was double last year's interim. Financially, the result was robust. Normalised net profit after tax reached $93 million (guidance was for at least $90 million), more than double the prior corresponding period, and 3% ahead of consensus.

Flows remain strong

Ord Minnett also highlighted the standout contributor during the most recent half was performance fees which came-in at $119 million. 

This was above guidance for at least $115 million, and significantly higher than the $42 million generated in the first-half of FY25. "Performance fees may moderate in the second-half of FY26 given the amount of FUM that is at, or within, 5% of its high-water mark, has fallen by $1.1 billion in the six months to 30 June 2026.

This has likely declined further in July given softer investment returns from a range of long/short strategies. Flows remain strong. Net inflows totalled $300 million in July, with additional inflows during August across credit and listed investment company products. This momentum has prompted us to lift our expectations for CY26 net inflows to $2.2 billion, ahead of management's guidance of $2 billion.

Big upside for ASX financials stock

Based on this guidance, Ord Minnett slightly lowered its price target on this ASX financials stock. However, significant upside remains. 

The broker now has a price target of $4.90 (previously $5.40). 

We maintain a Buy recommendation. Despite the leadership transition risk, RPL is trading on an attractive FY27 price to earnings multiple of circa 8x, and on our numbers, offers around 14% per annum growth in EPS over FY26–29.

From current levels, this indicates 118% upside potential. 

The post Ord Minnett tips this ASX financials stock to double within the next 12 months  appeared first on The Motley Fool Australia.

There are calculators online, such as the federal government's Moneysmart calculator, which can show you how much in today's dollars you are likely to have at retirement, depending on your current circumstances.

This is extremely useful as it allows you to adjust your superannuation contributions if you feel you'll be falling short of what you need.

But how do you figure out what you need in the first place?

What is a comfortable retirement?

According to the Association of Superannuation Funds of Australia's (ASFA) retirement standard, singles need $56,166 in income per year to have a comfortable retirement, while couples need $78,998.

Their definition of a comfortable retirement involves the ability to afford top-level private health cover, to own and maintain a reasonable car, to travel occasionally and to afford social activities.

Keep in mind, though, that ASFA's standard assumes you own your own home and also draw a part pension once you hit the age of 67.

How much superannuation do I need to earn $70,000 per year in passive income?

Today we're assuming you're aiming for an income stream of $70,000 per year.

I will calculate this on the basis of dividends alone, with no drawdown of capital.

If you were able to earn a very high dividend yield of 10%, you'd need just $700,000 in retirement savings.

I'd suggest this level of earnings is unsustainable.

If you earned just 5% you'd need double this, at $1.4 million.

But I'd argue that with the benefit of franking credits, this is aiming too low.

So let's assume you could earn 7.5%. In this case, you'd need $933,333 in superannuation savings.

Franking credits are crucial to this equation. If you invest in fully franked dividends, you get back all the tax the company has already paid.

This is because retirees are not taxed on their superannuation earnings.

In practical terms, this means a share paying a 5% dividend yield actually pays 7.14% once franking credits are included.

So what shares might help hit this target?

Real estate investment trusts can be solid investments.

Digico Infrastructure REIT (ASX: DGT) pays a 4.65% dividend, albeit unfranked, GPT Group (ASX: GPT) pays 5.38%, and Centuria Office REIT (ASX: COF) pays 11.36%.

Infrastructure stocks such as APA Group Ltd (ASX: APA) and toll roads operator Atlas Arteria Ltd (ASX: ALX) pay healthy dividends of 5.33% and 8.98%, respectively.

Among the utilities, Origin Energy Ltd (ASX: ORG) is paying 5.14% fully franked, AGL Energy Ltd is paying 5.9%, and Telstra Ltd (ASX: TLS) is paying 4.34%, 90% franked.

In the financial services sector, Regal Partners Ltd (ASX: RPL) is paying 11.53%, Bank of Queensland Ltd (ASX: BOQ) is paying 6.08%, and Westpac Banking Corporation (ASX: WBC) is paying 4.45%.

How to give your super a boost

If you want to top up your superannuation, it's also worth reading up on concessional contributions, which are contributions you can make to your superannuation each year up to a cap of $32,500, which are only taxed at 15%.

Keep in mind that the $32,500 cap includes any employer contributions and salary sacrifice contributions.

The post How much superannuation do I need to earn $70,000 per year in passive income? appeared first on The Motley Fool Australia.

Two of the companies I'm looking at today are infrastructure or infrastructure-like companies, typified by long contracts that provide income certainty.

That gives investors some certainty that the business, if managed well, can make long-term forecasts for its income and liabilities and, hopefully, keep its dividend payments steady.

Let's look at the companies I've selected that currently pay solid dividends.

Aurizon Ltd (ASX: AZJ)

Rail operator Aurizon is currently paying a 6.18% dividend yield, 90% franked.

The company's shares are also up about 18% over the past year, despite a recent dip after the announcement of its results.

After releasing its results, Aurizon announced a new $250 million share buyback, following a buyback completed during FY26.

The company grew EBITDA last financial year by 9% to $1.72 billion, and paid out 90% of its net profit as dividends.

Aurizon is expecting to pay 23 cents to 24 cents per share in dividends this year, which would be a 6.4% dividend yield at the current share price.

Atlas Arteria Ltd (ASX: ALX)

This toll road operator faced a takeover bid during the year, which contributed to the company posting a net loss. However, apart from that, the company described its performance as stable.

Brokers expect Atlas to maintain its distribution at 40 cents per share, in line with current-year guidance, which yields 8.7%.

The company itself said it will no longer provide guidance for dividend payments beyond a one year period.

The company added:

Going forward, we will continue to focus on optimising free cash flow to drive strong distributions. Distributions will align with free cash flow by maintaining the distribution policy to pay 90–110% of free cash flow on a full-year basis.

Regal Partners Ltd (ASX: RPL)

Financial services company Regal Partners is currently paying a very healthy dividend yield of 11.1%, after more than doubling its net profit over the past financial year.

The company's Managing Director Brendan O'Connor said their balance sheet was "exceptionally strong", with $290 million in capital on hand after the payment of the dividend, along with excess franking credits.

Mr O'Connor said at the time:

I also note the investment landscape continues to evolve rapidly, shaped by an artificial intelligence fuelled capital expenditure boom, shifting geopolitical dynamics, the proposed removal of the capital gains tax discount regime, and persistent inflation. Against this backdrop, we are seeing growing demand for income-oriented products and look forward to launching our Multi-Strategy Income Fund in September. More broadly, we believe our suite of alternative strategies is very well placed to meet client needs in this environment.

The post 3 ASX shares with dividend yields of between 6% and 11% appeared first on The Motley Fool Australia.

Starting early brings with it the benefits of compound interest and can make what seems like a large savings task much more achievable.

Savings currently falling short

It's true that, on average, people's superannuation savings at age 60 fall well short of being able to generate the $80,000 per year in passive income I am looking at today.

Figures from the Association of Superannuation Funds of Australia show that men aged 60-64 have on average $395,852 in superannuation while women have $313,360.

So, how much would you need in your super to generate $80,000 per year in passive income?

Let's do the sums.

If you were able to generate a 10% average dividend yield on your investments, which would be a difficult task, you'd need $800,000 in superannuation.

If you were getting just a 5% return, you would need double this, at $1.6 million.

I would argue that with the benefit of franking credits, retirees can aim for a return somewhere in the midpoint. So, to generate $80,000 from a 7.5% return, you would need to have $1.06 million in retirement savings.

Franking credits are crucial to this equation. If you invest in fully franked dividends, you get back all the tax the company has already paid.

This is because retirees are not taxed on their superannuation earnings.

In practical terms, this means a share paying a 5% dividend yield actually pays 7.14% once franking credits are included.

Which shares might help you hit the $ 80,000-per-year goal?

Infrastructure stocks such as APA Group Ltd (ASX: APA) and toll roads operator Atlas Arteria Ltd (ASX: ALX) pay healthy dividends of 5.36% and 8.86%, respectively.

In the resources sector, iron ore miner Fortescue Group Ltd (ASX: FMG) pays 6.07%, Santos Ltd (ASX: STO) pays 3.67%, and Woodside Energy Group Ltd (ASX: WDS) pays 5.04%.

In the financial services sector, Regal Partners Ltd (ASX: RPL) is paying 11.06%, Bank of Queensland Ltd (ASX: BOQ) is paying 6.03%, and Westpac Banking Corporation (ASX: WBC) is paying 4.39%.

How to check your progress

If you're keen to check how much superannuation you're likely to have when you retire, it's worth checking out the federal government's Moneysmart website, which has an easy to use calculator.

And if you want to top up your superannuation, it's also worth reading up on concessional contributions, which are contributions you can make to your superannuation each year up to a cap of $32,500, which are only taxed at 15%.

Keep in mind that the $32,500 cap includes any employer contributions and salary sacrifice contributions.

The post How much superannuation do I need to earn $80,000 per year in passive income? appeared first on The Motley Fool Australia.

So how much do you need? What most of us aim for is a comfortable retirement, which means something different to everyone.

But it's fair to say that an income stream of $3,000 per week would provide a standard of living most people would deem very comfortable.

How much is needed for a comfortable retirement?

Indeed, the Association of Superannuation Funds of Australia (ASFA) estimates singles will need $55,923 per year to fund a comfortable retirement. So $3,000 per week, or $156,000 per year, is well above this.

The ASFA figure does assume a retiree owns their own home and draws a part pension from the age of 67 when they become eligible.

So, how much superannuation would you need to generate $3,000 per week in passive income?

For simplicity's sake, I will assume that a retiree is living off of dividends and not drawing down any capital.

Naturally, how much you would need in superannuation savings depends on what sort of dividend yield you can regularly rely on.

If the figure was just 5%, you would need $3.12 million in superannuation savings.

I would argue that this figure is too low, as retirees who are paying a zero per cent tax rate get the benefit of franking credits – that is, they get paid back the tax already paid by the companies whose shares they own.

In practice, this means that if a company is paying a 5% dividend yield, what is called the "grossed up" yield comes out at 7.14%.

If you were able to maintain a 10% dividend yield, you'd only need $1.56 million in superannuation, but I'd argue that somewhere in the middle, let's call it 7.5%, is realistic.

At this level you'd need $2.08 million in retirement savings.

Which shares deliver good dividend yields?

So, what are some shares you might consider investing in to deliver these sorts of returns?

Keep in mind that companies with excessively high returns might not be able to sustain them over time.

A class of shares that tends to offer stability over time is infrastructure. In this sector, gas pipeline operator APA Group Ltd (ASX: APA) pays a 5.29% dividend yield, 31% franked, while toll roads operator Atlas Arteria Ltd (ASX: ALX) pays 8.84% with no franking.

Among financial services stocks, Regal Partners Ltd (ASX: RPL) is paying 11.15%, fully franked, while among the banks, Westpac Banking Corporation (ASX: WBC) is paying 4.4%.

Retailer Universal Store Holdings Ltd (ASX: UNI) is paying 5.67% (fully franked), while major retailer Coles Ltd (ASX: COL) is paying 3.29% fully franked.

There are also a diverse array of exchange traded funds such as the Betashares Australian Dividend Harvester (ASX: HVST) which are focussed on dividend payouts, with this one yielding 5.53%.

So as you can see, it's possible to build a portfolio returning a decent yield, which can help hit your income targets.

The post How much is needed in superannuation for $3,000 in weekly passive income? appeared first on The Motley Fool Australia.

Regal Partners provides investment management services. It offers access to a diverse range of strategies covering hedge funds, private markets and real assets.

Over the last 12 months, it has experienced some volatility, and is down 3% in that span. 

However, following the release of full-year results, the team at Morgans have an improved outlook on the ASX 300 stock moving forward. 

What did this ASX 300 stock report?

In strong news out of the company, Regal Partners reported normalised NPAT of $93.3 million for the half, more than doubling the previous year. Funds under management rose to $21.4 billion, supported by record net inflows.

Other results included: 

• Normalised fully diluted earnings per share of 21.4 cents, up 104%
• Fully franked interim dividend of 12 cents per share declared for 1H26
• Balance sheet with approximately $290 million in capital post-dividend. 

The stock price has climbed more than 6% since Monday when these results were announced. 

The team at Morgans believe this is a sign of what's to come over the next 12 months. 

What did Morgans have to say?

The team at Morgans said this ASX 300 stock has delivered another solid result. 

It was moderately above prior guidance (NPAT of "at least $90m" in July-26), resulting in Normalised NPAT increasing 108% (vs pcp) to $93.3m, supported by performance fees which increased 180% (vs pcp) to $119m. 

Importantly, the largely recurring management fees increased 14% (vs pcp), while the business trades on <10x PER. Phil King's intended retirement is likely to continue weighing on the market, something we believe investors will overcome as the deep bench gains in profile (and presumably performance persists). On this basis, we retain our Buy recommendation with a $4.25/sh price target (previously $4.00).

Based on this updated price target, the broker sees approximately 50% upside from current levels. 

Elsewhere, Bell Potter has retained its buy rating and $4.80 price target on the company, suggesting 70% upside. 

Don't forget the dividend 

If 50% upside isn't enough, this ASX 300 stock also offers a very attractive dividend yield. 

Bell Potter is forecasting fully franked dividends per share of 19 cents in FY 2026, 20 cents in FY 2027, and then 22 cents in FY 2028. 

This represents yields of 6.7%, 7.1%, and 7.8%, respectively.

The post Attention! This ASX 300 stock could be set to rise 50% and has a 7% yield appeared first on The Motley Fool Australia.

Figures released by the Association of Superannuation Funds of Australia show that on average, people do not have enough in their superannuation for what they deem to be a comfortable retirement.

If you're keen to figure out how much you can expect to have in your superannuation when you retire, be that at age 60 or later, there are plenty of calculators around; however, I'd suggest the Federal Government's MoneySmart website as the one to use.

How much income can I generate from my superannuation?

Looking at a lump sum of $800,000, the good news is that it's well above the $630,000 ASFA says you need for a comfortable retirement as a single person.

Keep in mind that ASFA assumes you own your own home and draw a part of the Age Pension.

So how much could you expect to earn from your $800,000 in investments?

If you are simply drawing dividends and not drawing down any of the capital, the sums are quite simple.

If you can earn a 10% yield – which would be ambitious – you would earn $80,000, while if you were earning a 5% yield, the amount would be $40,000.

I'd suggest a yield somewhere between these two is achievable, so let's assume a 7.5% return, which would return $60,000.

What makes this even more realistic is that once you are retired, your tax rate on your superannuation drops to zero, and you get the full benefit of franking credits.

This means that if a share pays a 5% yield, the retiree receives a yield of 7.14% once franking credits are added back in.

Franking credits compensate shareholders for tax already paid by the company.

Which shares generate good income streams?

So, what are some shares that might be worth owning if you're aiming for these sorts of returns?

A consistent high dividend payer is Universal Store Ltd (ASX: UNI), which is currently paying right on 5%, while Regal Partners Ltd (ASX: RPL) just declared an improved first-half dividend and is paying an annualised rate of 9.7%.

The Betashares Australian Dividend Harvester ETF (ASX: HVST) is paying 5.54%, while another dividend-focused fund, WAM Income Maximiser Ltd (ASX: WMX), is paying 4.29%.

Among the blue-chip shares, BHP Group Ltd (ASX: BHP) is paying 3.72%, while Telstra Ltd (ASX: TLS) is paying 4.43%, and Woodside Energy Group Ltd (ASX: WDS) is paying 4.89%.

So as you can see, there are plenty of companies paying healthy dividends, which can help you attain your income aspirations.

The post How much passive income can I earn off my $800,000 superannuation balance? appeared first on The Motley Fool Australia.

That's because the team at Bell Potter has just named one high-yield option with huge upside potential to buy now.

Which ASX dividend share?

The dividend share that Bell Potter is recommending to clients is Regal Partners Ltd (ASX: RPL).

It is a boutique asset manager responsible for a number of alternative investment strategies, investing across hedge funds, growth equity, credit & royalties, and real & natural assets. 

Bell Potter notes that Regal Partners has around $21 billion in funds under management that is invested on behalf of institutions, family offices, charitable groups and private investors. 

The company has also undertaken an aggressive acquisition strategy in recent years. This includes acquiring VGI Partners, PM Capital, Taurus, Merricks and Argyle.

Bell Potter was pleased with the company's half-year results, noting that its profit was ahead of expectations. It said:

RPL delivered 1H26 Normalised NPAT of $93.3m, ahead of market expectations and above the $90m floor pre-reported ahead of the result. Guidance was predicated on management fees of $110m and performance fees of $115m. 

Operating results: RPL provided a more comprehensive presentation of its financial results, with performance fee contributions separated and waterfalled through to the pre-tax profit line. Both demonstrated an improvement. Fund management fees of $91.0m were up +23% YOY and loan management fees of $22.9m were down -12% YOY. Average take-rate was down -7bps to 1.08%, reflecting lower loan activity, with an improved pricing outcome on 2H25.Performance fees of $118.7m were up +180% YOY, driven by different contributions to the record result in 2H25. Normalised NPAT of $93.3m was up +108% YOY vs. headline NPAT of $94.1m.

Big potential returns

According to the note, in response to the results, Bell Potter has retained its buy rating and $4.80 price target on the ASX dividend share.

Based on its current share price of $2.82, this implies potential upside of 70% for investors over the next 12 months.

In addition, Bell Potter is forecasting fully franked dividends per share of 19 cents in FY 2026, 20 cents in FY 2027, and then 22 cents in FY 2028. This represents dividend yields of 6.7%, 7.1%, and 7.8%, respectively.

Commenting on its buy recommendation, the broker said:

Our Buy thesis is unchanged. RPL has already met our quarterly flow forecast and is seeing offshore credit demand while strengthening the balance sheet. Trading on 9x earnings, these aspects are underappreciated vs. 13x for global long only managers. EPS -3%/-3%/-2% factoring in visibility on non-performance employee cash expense.

The post One super ASX dividend share to buy with a 7% yield appeared first on The Motley Fool Australia.

What did Regal Partners report?

• Normalised 1H26 net profit after tax (NPAT) of $93.3 million, up 108% on the prior period
• Statutory 1H26 NPAT of $94.1 million, up 258%
• Funds under management at $21.4 billion as at 30 June 2026, with net inflows of $1.4 billion
• Normalised fully diluted earnings per share of 21.4 cents, up 104%
• Fully franked interim dividend of 12 cents per share declared for 1H26
• Balance sheet with approximately $290 million in capital post-dividend

What else do investors need to know?

Regal Partners recorded its eleventh straight quarter of positive net inflows, reflecting ongoing demand for its products and increased offshore interest, particularly from North America. The strong first-half result was underpinned by performance fees of $118.7 million across multiple investment strategies.

The company also announced it will launch a new Multi-Strategy Income Fund in September 2026 to meet rising demand for income-oriented investment options. In addition, Regal will establish an Investment Committee to enhance governance and oversight as the business continues to expand its range of alternative strategies.

What did Regal Partners management say?

CEO & Managing Director Brendan O'Connor said:

I am pleased to report another strong set of results for Regal Partners for the first half of 2026, with normalised NPAT more than doubling the 1H25 outcome, and continued momentum across our diversified alternative investment platform, including a record $1.4 billion in net client inflows. FUM flows included a significant contribution from our North American client base, highlighting the growing scale of our offshore business, which now represents over a quarter of Regal's $21.4 billion in funds under management.

"Our balance sheet remains exceptionally strong, with approximately $290 million in capital post the payment of the fully franked 12cps dividend announced today, alongside our undrawn $130 million bank facility. This provides us with significant financial flexibility…Looking ahead, we remain confident in the future growth potential of the business, underpinned by our increasingly diversified investment capabilities, strong track record of performance, and highly experienced team. We remain focused on delivering superior outcomes for our clients while continuing to build sustainable long-term value for our shareholders.

What's next for Regal Partners?

Regal Partners is set to launch its Multi-Strategy Income Fund next month to capitalise on growing investor appetite for income products amid a shifting economic landscape. The company also aims to further globalise its client base and evolve its investment governance, replacing the Chief Investment Officer structure with a new Investment Committee framework.

Management's focus remains on expanding the alternatives platform, strengthening oversight, and building on the company's strong momentum to support sustainable long-term growth for both clients and shareholders.

Regal Partners share price snapshot

Over the past 12 months, Regal Partners shares have declined 1%, slightly trailing the All Ordinaries Index (ASX: XAO), which is flat over the same period.

View Original Announcement

The post Regal Partners 1H26 earnings: Profit surges, FUM hits record high appeared first on The Motley Fool Australia.

One of the great things about superannuation is that you can contribute to it on a tax-effective basis while you are working to boost your nest egg.

This year, the concessional contributions cap has increased to $32,500, meaning you can contribute up to this amount and pay only 15% tax.

Keep in mind that the $32,500 level includes any contributions made by your employer.

Another easy way to boost your contributions is to salary sacrifice out of your pay, with those amounts also contributing towards the $32,500 cap.

One of the downsides of contributing extra money to superannuation is that contributions are generally tied up until you turn at least 60; however, on the upside, earnings within your superannuation are only taxed at 15%, meaning your money compounds more effectively.

Now let's look at what exactly you'd need to generate the returns we're talking about.

How much is needed in superannuation for $2,000 in weekly passive income?

This amount on a weekly basis translates to $104,000 per year, which makes the maths a bit easier.

Let's say you were earning 5% on your nest egg. This would mean you'd need to divide the yearly amount by five, then multiply by 100 to get $2.08 million, which is how much you'd need to have invested to return $2000 a week.

If you earned 10% per week, the lump sum figure would drop to $1.04 million.

I'd suggest a dividend return of 7.5% is realistic, which would need a lump sum of $1.39 million.

What high-yielding shares paying 5% to 10% could I invest in?

When it comes to income-generating stocks, steady and reliable can be a great combination.

You might not get great capital returns, but hopefully the income stays steady.

One such stock that brokers are tipping to deliver returns of better than 6% through to 2030 is Charter Hall Retail REIT (ASX: CQR).

Keep in mind that this stock does not pay franking credits, which are also a good source of income once your tax rate drops to zero.

Dexus Industria REIT (ASX: DXI) is also paying a healthy 6.8%.

Personally, I'm also a fan of the Wilson Asset Management funds, such as WAM Strategic Value Ltd (ASX: WAR), which is paying a yield of 5.9%, rising to 8.4% once franking credits are included, and WAM Active Ltd (ASX: WAA), which also recently increased its dividend and is paying out an identical yield to WAM Strategic Value.

Regal Partners Ltd (ASX: RPL) is also a good option, with broker Morgans forecasting the financial services company will pay out 8.1% for this year, followed by 6.9% and 7.8% in the following years.

Among resource stocks, Fortescue Ltd (ASX: FMG) is paying a 6.77% yield while Woodside Energy Group Ltd (ASX: WDS) is paying 5.18%, both fully franked.

Pipeline operator APA Group Ltd (ASX: APA) is paying a 5.85% yield while toll roads company Atlas Arteria Ltd (ASX: ALX) is paying a hefty 8.04%, however both of these dividends are unfranked.

Among the banks, Westpac Banking Corp (ASX: WBC) is paying 4.06% fully franked, while Bank of Queensland Ltd (ASX: BOQ) is paying 6.06% also fully franked.

This is by no means an exhaustive list of dividend stocks to consider, but consider it somewhere to start.

The post How much is needed in superannuation for $2,000 in weekly passive income? appeared first on The Motley Fool Australia.

Inflation and interest rate fears and global conflict have all weighed on investor sentiment. 

When markets experience volatility, investors may choose to rotate into dividend shares. 

Why turn to income/dividend shares?

Income and dividend investing can be a viable strategy during periods of market volatility because it emphasises generating consistent cash flow rather than relying solely on rising share prices for returns. 

Companies that pay regular dividends are often established businesses with stable earnings, strong balance sheets, and resilient business models, which can help reduce portfolio volatility compared with more speculative investments. 

Reinvested dividends can also enhance long-term returns by allowing investors to purchase additional shares, particularly when prices are temporarily lower during market downturns. 

While dividend-paying stocks are not immune to market declines and dividend payments are never guaranteed, a disciplined income-focused approach can provide a measure of stability, support long-term wealth accumulation, and help investors remain invested through uncertain market conditions.

For those looking for a competitive yield in today's climate, here are three options to consider. 

Regal Partners Ltd (ASX: RPL)

Regal Partners have been attracting positive analysis from experts over the past month. 

Its recent 1H26 earnings update included a big jump in profit and record net inflows, boosting FUM to new highs.

The residential aged care services provider is forecast to pay a dividend of around 8% this year, followed by 6.9% and 7.8% in the following years.

Additionally, the team at Morgans recently placed a $4.00 price target on this dividend stock. 

This suggests investors could enjoy a high yield and strong capital gain over the next 12 months. 

Dexus (ASX: DXS)

Another option for investors to consider is Dexus. 

It is a major Australian real asset group, with a platform spanning listed property, funds management, infrastructure, alternatives, and other investments.

This ASX dividend stock is offering a yield over 6%, well above the average yield for ASX 300 companies. 

It may suit investors who are comfortable with commercial property exposure. 

Additionally, it can provide portfolio diversification alongside typical bank, utility, and infrastructure dividend stocks.

IPH Ltd (ASX: IPH)

IPH provides intellectual property (IP) services. 

Its network of subsidiaries includes global IP brands AJ Park, Griffith Hack, Pizzeys, Robic, Smart & Biggar, and Spruson & Ferguson, as well as IP business Applied Marks.

Despite facing some share price pressure in recent times, it has a reputation as a reliable income stock. 

It has paid regular semi-annual dividends to shareholders for years, with its current yield sitting around 9%. 

The post Rotating into dividend shares? 3 of your best options right now with yields as high as 9% appeared first on The Motley Fool Australia.

But what is a comfortable level of income?

How much superannuation do you really need?

While it's relatively subjective, the Association of Superannuation Funds of Australia (ASFA) has run the numbers and arrived at a figure that they consider sufficient for both singles and couples to have a comfortable retirement.

This measure, which assumes you own your own home, includes the ability to pay for top-level private health insurance and doctor visits, fast internet, a reasonable car and associated maintenance, regular leisure activities and the ability to travel occasionally.

To afford this, singles would need to earn $55,923 in superannuation income, while a couple would need to earn $78,556.

Today I'm looking at the amount of superannuation savings needed to generate $6,000 per month, or $12,000 per year, well above the level considered comfortable for a single person.

So let's look at the numbers.

Just to get started with round numbers, if you can generate a 7.2% return from your superannuation savings, you'd need $1 million worth of investments.

While this might sound like a high return, remember that superannuation funds benefit from franking credits – in lay terms, they are paid back the tax already paid by a company on its earnings.

Meanwhile, if you generate just a 5% return on your investments, you'd need $1.44 million in superannuation savings, while if you were able to generate 10% returns, the figure drops to just $720,000.

I'd argue that a 7.5% return, the midpoint of these two, is a realistic return to target, for which you'd need $960,000 in superannuation savings.

Keep in mind that all of these figures are based on dividend returns only, and don't assume any share sales take place.

So, what shares could you buy to deliver such returns?

Recently I've been keeping my eye on the funds managed by Wilson Asset Management, which have been paying decent dividends.

Just this week the WAM Strategic Value Ltd (ASX: WAR) fund announced that it had increased its dividend, and would now be paying a yield of 5.9%, rising to 8.4% once franking credits were included.

WAM Active Ltd (ASX: WAA) also recently increased its dividend and is paying out an identical yield to WAM Strategic Value.

When it comes to operating businesses as opposed to funds, Regal Partners Ltd (ASX: RPL) is a good option, with broker Morgans forecasting the financial services company will pay out 8.1% for this year, followed by 6.9% and 7.8% in the following years.

Among resources stocks Fortescue Ltd (ASX: FMG) is paying a 6.59% yield while Woodside Energy Group Ltd (ASX: WDS) is paying 5.02%, both fully franked.

And among the ETFs, there is the Betashares Australian Dividend Harvester Fund (ASX: HVST), which is paying 7.3% grossed up, or including franking credits.

The post How much is needed in superannuation to target a $6,000 monthly passive income? appeared first on The Motley Fool Australia.

This becomes even more important as we transition into the retirement phase and can benefit from the gains to be had from franking credits, but for the purposes of this article, I'll assume the investor is a wage earner.

Look for more than just high dividends

If you filter the stocks on the ASX, it's possible to come across some that appear to be paying a remarkably high dividend yield.

I'd argue that it's best to approach these with caution, with very large yields likely to be unsustainable over the longer term.

In contrast, here are three shares that have a combination of solid dividend yields and solid business models.

The first is Regal Partners Ltd (ASX: RPL), which recently booked what broker Morgans called "another good result" for the first half, growing its funds under management, performance fees, and net profit.

Morgans said regarding the company:

Whilst difficult to forecast, we are confident RPL can continue to grow funds under mangement as performance persists and the alternative strategies reach scale. On this basis we have a BUY recommendation and $4.00 price target.

Considering the share price is $2.70 at the time of writing, that would be a healthy capital gain if that price were achieved.

But on the dividend yield front, Morgans is forecasting 8.1% for this year, followed by 6.9% and 7.8% in the following years.

In order to generate $1000 per month in dividends (the dividends are actually paid six-monthly), you'd need to own $148,148 worth of stock at the 8.1% return level.

Then there is Atlas Arteria Ltd (ASX: ALX), which is a toll roads operator.

Infrastructure companies tend to be predictable in terms of their earnings and debt obligations over the long term, and therefore their dividends can follow suit.

Broker Morgan Stanley is forecasting Atlas to pay a 7.9% return this year, with that maintained out to FY28.

At that rate, you would need to own $151,898 of the stock to generate $1000 per month – once again, this stock pays dividends half yearly.

Finally, there is the La Trobe Private Credit Fund (ASX: LF1), which does pay out month by month.

This fund aggregates loans across residential, industrial, and commercial borrowers, with 10,789 loans under management.

The fund is currently paying a return of 7.57%, meaning you would need to own $158,520 worth of the stock to generate $1000 per month.

The post I'd generate $1000 in monthly passive income using these three high-yield stocks appeared first on The Motley Fool Australia.

Of the four stocks I'm looking at today, not only are the companies expected to pay good dividends, but three are also expected to increase in value.

I've selected the companies from broker reports issued this week. Let's have a look at who they like.

Chorus Ltd (ASX: CNU)

Chorus is a New Zealand-based fibre and copper line infrastructure company that last week reported that its total fixed line connections had fallen by 4,000, while its fibre connections increased by 5,000.

Macquarie has a price target of NZ$10.26 on the company, up from NZ$9.54, and forecasts a dividend yield of 6.3% this year, rising to 6.7% by FY28.

Chorus shares are also listed on the ASX.              

The broker said of the stock:

We see CNU emerging as a cleaner, simpler, and more fibre-led infrastructure business, with improving earnings visibility and an attractive dividend profile. FY26 should confirm this transition, with EBITDA tracking towards the upper half of NZ$710-730m guidance and a 60 cent dividend per share expected.

Aurizon Ltd (ASX: AZJ)

Macquarie has a neutral rating on this rail freight operator's shares, but is forecasting a dividend yield of 5.4% this year, rising to 6% next year.

The broker said the company finished FY26 with a strong quarter, and the outlook for FY27 is positive.

Macquarie added:

Cash generation is strong, balance sheet has capacity, so AZJ can support a higher dividend or further share buybacks. With yield becoming relatively attractive, and AZJ share price re-rated we see lifting the dividend payout as a more attractive option.

Viva Energy Ltd (ASX: VEA)

Viva this week said in a statement to the ASX that the refining margin at its Geelong oil refinery was up 156.4% over the same period last year, while volumes added 1.5% over the period.

This would likely translate into a boost in first-half EBITDA from $305 million last year to $770 to $780 million for the first half this year, the company said.

Macquarie increased its price target for the company on the back of the strong expected results, now at $3.70, up 9% from its previous estimate.

Macquarie is forecasting a 7.6% dividend yield for the current year, falling to 4.2% next year.

Regal Partners Ltd (ASX: RPL)

Regal recently booked what broker Morgans called "another good result" for the first half, growing its funds under management, performance fees, and net profit.

Morgans said regarding the company:

Whilst difficult to forecast, we are confident RPL can continue to grow funds under mangement as performance persists and the alternative strategies reach scale. On this basis we have a BUY recommendation and $4.00 price target.

Regal is expected to pay a dividend yield of 7.4% this year, Morgans said, increasing to 7.8% by 2028.

The post 4 ASX dividend stocks delivering better than 5% returns appeared first on The Motley Fool Australia.

The companies operate in funds management, uranium production, and wealth management, giving investors several different growth stories to consider.

Here is why the broker has buy ratings on all three.

Regal Partners Ltd (ASX: RPL)

Regal Partners is an alternative investment manager with exposure to strategies across private markets, credit, resources, and other specialist areas.

The company recently released its preliminary results for the first half of 2026, and Morgans described it as another good result.

Funds under management, performance fees, and net profit all increased during the period. However, the Regal Partners share price has fallen since the update.

Morgans believes the weakness may reflect slightly lower funds under management and management fee revenue than expected. However, the broker views that impact as relatively minor because fund performance is the more important indicator of future inflows and growth.

I think that distinction is important. Strong investment performance can attract new client money and increase performance fees, potentially supporting earnings over time.

The broker also believes the valuation remains relatively undemanding, with the shares trading on around nine times forecast 2027 earnings.

Morgans has retained its buy rating and reduced its price target from $4.20 to $4.00.

With Regal Partners shares trading around $2.68, the new target is approximately 49% above the current price.

Paladin Energy Ltd (ASX: PDN)

Paladin Energy received a positive response from Morgans after delivering a strong fourth quarter from its Langer Heinrich uranium mine.

Production was 6% ahead of both Morgans' forecast and market expectations. Sales also exceeded the broker's estimate by 16% and consensus expectations by 12%, while costs came in better than anticipated.

Paladin also exceeded its FY26 guidance targets for production, sales, and costs.

Morgans noted that the Langer Heinrich ramp-up is now formally complete, with full mining and processing operations achieved during the quarter.

I think reaching that point removes an important source of uncertainty. The investment case can now shift towards how consistently the mine performs and the cash flow it can generate as production settles into a more normal rhythm.

Uranium prices, operating performance, and contract terms will continue influencing results, so investors should still expect volatility.

But for now, Morgans has maintained its buy recommendation while lowering its price target from $13.05 to $12.50.

That target offers potential upside of approximately 37% from the current Paladin Energy share price of around $9.15.

Generation Development Group Ltd (ASX: GDG)

Generation Development Group provides investment bonds and wealth management services, including through Evidentia.

Morgans viewed the company's fourth-quarter update as strong, with record investment bond sales among the highlights.

The broker was also encouraged that Evidentia exceeded expectations following several consecutive periods in which its performance had disappointed.

I think that improvement could help rebuild confidence in the broader growth story. Generation Development Group can benefit as more financial advisers use its services and increasing amounts of client money move onto its platforms.

Following the update, Morgans raised its earnings per share forecasts by between 1% and 5% across its forecast period. The upgrades reflect higher sales and funds under management expectations across both key divisions.

The broker increased its price target from $6.28 to $6.89 and retained its buy rating, pointing to more than 20% potential total shareholder return upside.

Foolish takeaway

I think these three Morgans recommendations offer different reasons for investors to take a closer look.

Regal Partners appears inexpensive if fund performance continues supporting growth, while Paladin Energy has completed an important operational ramp-up. Generation Development Group has delivered stronger sales and an encouraging improvement from Evidentia.

Each company still carries risks, and broker price targets are never guaranteed. Even so, Morgans believes all three ASX shares offer enough growth and valuation upside to justify buy ratings this week.

The post Why Morgans rates these ASX shares as buys this week appeared first on The Motley Fool Australia.

Whether you've got many decades left before retirement, or are looking to hang your hat up in the near future, it's always a good time to look at adding a few top ASX dividend stocks to your investment portfolio.

Below we look at three such stocks that I believe will continue to provide investors with reliable long-term passive income and help boost their superannuation stream.

Now before we move on, I'll point out that a properly diversified passive income portfolio will contain more than just three stocks. While there's no magic number that suits every investor, 10 to maybe 15 dividend paying stocks is a decent ballpark figure.

Ideally these companies will operate across various sectors and locations. This will reduce the risk of your entire income portfolio taking a big hit if any particular company or sector runs into a rough patch.

With that said…

Three superannuation boosting ASX dividend shares

The first share you may wish to consider buying to help lift your superannuation income during retirement is Woodside Energy Group Ltd (ASX: WDS).

The S&P/ASX 200 Index (ASX: XJO) energy stock has gained around 37% in 2026 amid surging oil and gas prices. While that sees it offering a lower trailing yield at the moment, I believe these higher prices should also translate to increased dividends.

As for those trailing yields, over the past 12 months Woodside has paid out two fully franked dividends totalling $1.653 a share. At the recent Woodside share price of $32.41, this equates to a fully franked yield of 5.1%.

And taking those franking credits into account, this comes out to a grossed-up yield of 7.3%.

The second quality ASX dividend stock you might want to buy to help lift your superannuation stream is ANZ Group Holdings Ltd (ASX: ANZ).

ANZ shares are just about flat for the calendar year amid a broader pullback in most ASX 200 bank stocks. But atop it's reliable passive income payouts, I believe ANZ is well-positioned to offer medium to long-term capital gains as well.

As for that passive income, over the last 12 months ANZ has paid out two partly franked dividends totalling $1.66 a share. At the recent ANZ share price of $36.42, ANZ shares trade on a partly franked trailing dividend yield of 4.6%.

Which brings us to the third superannuation boosting dividend stock you might want to buy, alternative investment manager Regal Partners Ltd (ASX: RPL).

Regal Partners shares are down around 15% in 2026 but remain up 4% over the past 12 months. With an eye on these future dividends, this could be an opportune time to buy the stock.

Over the past 12 months, Regal Partners has paid out two fully franked dividends totalling 21 cents a share. At the recent share price of $2.75, this ASX stock trades on a 7.6% fully franked trailing dividend yield. Or 10.9% on a grossed-up basis.

The post How to boost your superannuation income with these top ASX dividend stocks appeared first on The Motley Fool Australia.