Archer Financial Group

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🧑🏻‍💼 Jason Yu | Finance & Property Specialist
🇦🇺 Helping Aussies Finance Property
🏡 Home Loans | Investments | SMSF
🎓 Former Financial Adviser (10+ yrs)
⬇️ Follow for 60-second finance lessons

For years, I’ve been saying the same thing 👉 SMSF properties are one of the most powerful long-term wealth creation and ...
13/05/2026

For years, I’ve been saying the same thing 👉 SMSF properties are one of the most powerful long-term wealth creation and tax effective structures in Australia.

Now more people are finally starting to pay attention after the budget announcement 👀

While proposed changes target individual investors, SMSFs remain largely untouched in key areas:
✅ Existing CGT concessions remain
✅ Commercial property strategies remain powerful
✅ Potential land tax advantages
✅ Rental income taxed concessionally
✅ Greater control over your retirement assets
✅ Ability to leverage through property inside super

I’ve been advocating for SMSF strategies for years. Especially for business owners, professionals and long-term investors because once you understand the rules and its potential, you realise how powerful the system can actually be.

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 DM “SMSF” to understand how SMSF lending and property strategies can work for you.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

🚨 With the new budget changes announced, many existing property investors are expected to be grandfathered under the cur...
13/05/2026

🚨 With the new budget changes announced, many existing property investors are expected to be grandfathered under the current negative gearing rules.

So here’s a quick refresher on how it actually works 👇

Most investors do it because they believe the long-term capital growth will outweigh the short-term holding costs.

Negative gearing does NOT mean free money 🙅🏻
You’re still making a loss on the property but part of that loss may reduce your taxable income and lower your tax bill.

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 DM to discuss your borrowing capacity, structure and investment strategy before your next purchase.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

🚨 Australia’s CGT system could be changing from 1 July 2027.The Government has proposed:❌ Removing the 50% CGT discount✅...
12/05/2026

🚨 Australia’s CGT system could be changing from 1 July 2027.

The Government has proposed:
❌ Removing the 50% CGT discount
✅ Bringing back inflation indexation method
📈 Introducing a minimum 30% tax on capital gains

Swipe to see the following breakdown in simple English 👇

- Current CGT rules
- What’s changing
- How indexation works
- What it could mean for investors
- Important clarifications most people are missing

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 DM to discuss how these changes could affect your current or future property ownership.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

Negative gearing in Australia just changed 🇦🇺The 2026 Federal Budget will reshape how investors buy property moving forw...
12/05/2026

Negative gearing in Australia just changed 🇦🇺

The 2026 Federal Budget will reshape how investors buy property moving forward.

❌ Established properties lose full negative gearing benefits for future purchases
✅ Existing investors are protected
🏗️ New builds still keep concessions

Swipe through for the simple breakdown 👉

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 DM to discuss how these changes will affect your current or future property ownership.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

👉 Interest Only vs P&I isn’t a simple choice.I often see clients structure their loans completely backwards:❌ Paying dow...
14/04/2026

👉 Interest Only vs P&I isn’t a simple choice.

I often see clients structure their loans completely backwards:

❌ Paying down deductible debt
❌ Keeping non-deductible debt high
❌ Killing their cash flow and borrowing power

The right structure can save you:
✅ Thousands in tax
✅ Years on your loan
✅ Improve your position to invest again

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 DM to review your current loan or to prepare for your next purchase.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

10/04/2026

💬 DM me to get prepared and enter the Melbourne market before prices rebound.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

📌 Save this for later.⬇️ Follow for more property and finance education.⚠️ This is general information only and not fina...
30/03/2026

📌 Save this for later.
⬇️ Follow for more property and finance education.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

🙅🏻 This strategy is not for everyone.It’s most suitable for people who:✅ Only have an owner-occupied home loan✅ Want to ...
25/03/2026

🙅🏻 This strategy is not for everyone.

It’s most suitable for people who:
✅ Only have an owner-occupied home loan
✅ Want to pay down non-deductible debt faster
-✅ Don’t currently have investment plans or other lending strategies in place

📌 In that situation, focusing on reducing your home loan can be a simple and effective approach.

‼️ However, If you have (or plan to have)
✅ Investment properties
✅ Share portfolios
✅ Or future investment assets

⚠️ Then blindly paying down your home loan may not be the most effective strategy.

💡 The right approach always depends on:
✅ Your goals
✅ Your cashflow
✅ Your risk appetite
✅ Your long-term plans

👉 There is no one-size-fits-all strategy.

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 DM to review your current loan or to prepare for your next purchase.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

23/03/2026

With everything happening globally right now - war, inflation, market volatility. Most of us are feeling uncertain.

Here’s why I personally invest in direct properties using super 👇

🏡 1. Brick & mortar - something real
It’s not just numbers on a screen.
It’s a physical asset producing income that I can actually see and understand.

📉 2. Less volatility
Shares can drop overnight based on headlines. Property moves slower - which means less emotional decision-making.

🎯 3. Control
I choose the asset, location, and strategy. Not relying on a fund manager or market sentiment.

💰 4. Leverage inside super
Most people don’t realise this. You can’t borrow to invest in shares inside super but you can leverage into property. If you’re already a property investor, this is no different.

🧾 5. Tax advantages
Up to 15% tax in accumulation
Potentially 0% in pension phase
Combined with rental income and capital growth - it’s a very tax effective investment vehicle.

📌 Final takeaway:
Markets are always uncertain which is why I invest in assets I can control, understand, and hold long-term.

💬 DM “SMSF” and I’ll walk you through how this all works
📌 Save this for later
⬇️ Follow for more property and finance education.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

✅ Rates move in cycles - focus on the long term.✅ This may be a good time to buy if you’re a long-term investor.✅ Always...
19/03/2026

✅ Rates move in cycles - focus on the long term.
✅ This may be a good time to buy if you’re a long-term investor.
✅ Always reach out for help, whether it’s your bank or broker - we’re here to help 🤝

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 DM to review your current loan or to prepare for your next purchase.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

18/03/2026

✅ If you don’t even know how your super is invested, you’ve got a bigger problem.
✅ Are you on the “set and forget” strategy?
✅ Your super is one of your largest financial assets - it’s 12% of your income, yet you do nothing about it.

📌 Save this for later.
⬇️ Follow for more property and finance education.
💬 Reach out and I’ll show you how to make your super work harder for you.

⚠️ This is general information only and not financial advice. Always seek personalised advice before making financial decisions.

Address

Melbourne, VIC
3124

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 3pm
Sunday 9am - 3pm

Telephone

+61431417782

Website

https://calendly.com/jason-archerfinancial

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