{"id":491589,"date":"2026-06-10T00:37:08","date_gmt":"2026-06-10T00:37:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/491589\/"},"modified":"2026-06-10T00:37:08","modified_gmt":"2026-06-10T00:37:08","slug":"how-much-is-needed-in-superannuation-to-target-a-6000-monthly-passive-income","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/491589\/","title":{"rendered":"How much is needed in superannuation to target a $6,000 monthly passive income?"},"content":{"rendered":"\n

The recently announced Federal budget changes may make superannuation<\/a> the best way for full-time working Australians to invest for passive income<\/a>. <\/p>\n

Superannuation has a low tax<\/a> rate compared to many individuals, trusts, and companies. On top of that, it’s easy to invest for the long-term through the super structure. <\/p>\n

One of the most important elements of passive income investing is to understand that the net income we receive from investments is an after-tax figure. Full-time working Aussies investing for passive income in their own name could lose a third of that passive income to tax each year, which is not ideal. <\/p>\n

Superannuation is more appealing due to its lower tax rate in the accumulation phase than the usual individual’s tax rate for a full-time earner. In retirement<\/a>, the tax rate could be 0%. <\/p>\n

Every household’s tax situation is different, so we’ll look at a specific income level without mentioning tax from now on.<\/p>\n

\"Person<\/p>\n

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

How much is needed in superannuation for $6,000 of monthly passive income? <\/p>\n

Receiving $6,000 in dividends each month equates to an annual goal of $72,000 per year. Plenty of Australians would probably love receiving that amount of dividends each year without needing to do ongoing work for it. <\/p>\n

Australian investors will need to consider what sort of investments they want to own and the yield<\/a> that comes with that. I believe that ASX shares are the best choice for passive income, partly due to the potential for franking credits<\/a>.<\/p>\n

A portfolio with a dividend yield of 6% can be half the size of a portfolio with a dividend yield of 3% and generate the same level of dividend income. <\/p>\n

For example, if a portfolio were $1.2 million in size, it would generate $72,000 of annual passive income with a 6% dividend yield. If a portfolio had a 3% dividend yield, it would need to be $2.4 million in size to generate the same level of annual payments.<\/p>\n

Different dividend yields would require different-sized portfolios.<\/p>\n

A 5% dividend yield would require a portfolio size of $1.44 million to make $72,000 annually.<\/p>\n

A 4% dividend yield would require a portfolio size of $1.8 million. <\/p>\n

The types of ASX dividend shares I’d want to buy <\/p>\n

If an Australian superannuation investor wants to unlock mid-to-higher dividend yields, I’d consider quality companies with franking credits, good value, and reliable\u00a0real estate investment trusts (REITs)<\/a>\u00a0and\u00a0listed investment companies (LICs)<\/a>\u00a0with compelling passive-income track records. <\/p>\n

Some of the ASX dividend shares I’d look at that offer a dividend yield of approximately 5% to 6% include farmland landlord Rural Funds Group (ASX: RFF<\/a>), industrial property owner Centuria Industrial REIT (ASX: CIP<\/a>), ASX blue-chip<\/a>-focused LIC Australian Foundation Investment Co Ltd (ASX: AFI<\/a>), the global quality share-focused fund WCM Quality Global Growth Fund (ASX: WCMQ<\/a>), ASX share and global LIC investor L1 Long Short Fund Ltd (ASX: LSF<\/a>), and Australia’s leading telco Telstra Group Ltd (ASX: TLS<\/a>).<\/p>\n

Names with a higher dividend yield that I’d suggest include diversified REIT Charter Hall Long WALE REIT (ASX: CLW<\/a>) and various LICs, including WAM Leaders Ltd (ASX: WLE<\/a>), Future Generation Global Ltd (ASX: FGG<\/a>), Future Generation Australia Ltd (ASX: FGX<\/a>), and Hearts and Minds Investments Ltd (ASX: HM1<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"The recently announced Federal budget changes may make superannuation the best way for full-time working Australians to invest…\n","protected":false},"author":2,"featured_media":491590,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,176,61,60,174,175,2278],"class_list":["post-491589","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-ie","tag-ireland","tag-personal-finance","tag-personalfinance","tag-trending"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/491589","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=491589"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/491589\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/491590"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=491589"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=491589"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=491589"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}