{"id":724371,"date":"2026-06-09T03:52:47","date_gmt":"2026-06-09T03:52:47","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/724371\/"},"modified":"2026-06-09T03:52:47","modified_gmt":"2026-06-09T03:52:47","slug":"how-much-is-needed-in-superannuation-to-target-a-9000-monthly-passive-income","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/724371\/","title":{"rendered":"How much is needed in superannuation to target a $9,000 monthly passive income?"},"content":{"rendered":"\n

The superannuation<\/a> system may be the best way for Australians to generate passive income<\/a> because of how dividend<\/a> payments are taxed at much lower rates compared to normal individual tax rates.<\/p>\n

Passive income received in superannuation in the retirement portion of life could be tax-free. Isn’t that appealing?<\/p>\n

Readers may be wondering how much an investor would need to receive a large amount of dividends each year. Let’s take a look at the required amount for that goal.<\/p>\n

\"Retired<\/p>\n

Image source: Getty Images<\/p>\n

$9,000 of passive income each month from superannuation <\/p>\n

Getting $9,000 per month would be $108,000 each year. That’d be a very satisfactory amount for most Australians and could fund a comfortable lifestyle.<\/p>\n

How large the nest egg needs to be to receive $108,000 per year essentially boils down to what the portfolio yield<\/a> is.<\/p>\n

For example, if someone’s portfolio had an average dividend yield of 5%, they’d need a $2.16 million portfolio.<\/p>\n

But, if the average dividend yield was 7.5%, an investor would need a $1.44 million portfolio.<\/p>\n

If the average dividend yield were 3%, then an investor would require a portfolio size of $3.6 million.<\/p>\n

There are plenty of options when it comes to aiming for these sorts of yields. I’ll point to a few ASX shares below. I have invested in a number of the names below to create a diversified, strong portfolio with a good yield and still have compelling growth prospects. \u00a0<\/p>\n

Which ASX dividend shares I’d buy <\/p>\n

There isn’t one right answer when it comes to investing for passive income in superannuation.<\/p>\n

But it’s true that a business with a lower dividend yield may be investing more of its earnings back into itself to drive more growth for shareholders.<\/p>\n

Some of the impressive businesses with a lower dividend yield include Lovisa Holdings Ltd (ASX: LOV<\/a>), Washington H. Soul Pattinson and Co. Ltd (ASX: SOL<\/a>) and Wesfarmers Ltd (ASX: WES<\/a>). I expect pleasing compounding<\/a> of the dividend payout over the next three to five years.<\/p>\n

Some of the compelling ASX dividend shares with a dividend yield of around 5% are names like exchange-traded fund (ETF)<\/a>\u00a0WCM Quality Global Growth Fund\u00a0(ASX: WCMQ<\/a>), listed investment company (LIC)<\/a> Long Short Fund Ltd (ASX: LSF<\/a>) and industrial real estate investment trust (REIT)<\/a> Centuria Industrial REIT (ASX: CIP<\/a>). <\/p>\n

Turning to the higher-yield options I’d consider, names that spring to mind include WCM Global Growth Ltd (ASX: WQG<\/a>), Future Generation Australia Ltd (ASX: FGX<\/a>), Future Generation Global Ltd (ASX: FGG<\/a>) and WAM Microcap Ltd (ASX: WMI<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"The superannuation system may be the best way for Australians to generate passive income because of how dividend…\n","protected":false},"author":2,"featured_media":271599,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,186,184,185],"class_list":["post-724371","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-au","tag-australia","tag-business","tag-finance","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/724371","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=724371"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/724371\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/271599"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=724371"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=724371"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=724371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}