How an NCAP can Work for You

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An NCAP (Non-Commutable Allocated Pension)
allows people aged over 55 to receive an income
from their superannuation benefits whilst still working.
As NCAP’s are not subject to a work test, two
strategies have emerged:
1. Easing into retirement – gradually reducing
your working hours, while supplementing your
income using an NCAP; or
2. Salary sacrificing to provide a super boost and
potential tax benefits – continuing to work full
time while salary sacrificing a portion of your
income into superannuation and replacing it
using an NCAP

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