Advice needed: Optimizing cross-border finances for FIRE

I checked and I have the following deductions

  • AHV/IV/EO: 5.3% CHF 436
  • NBU: 2.47% CHF 203.47 (“Nichtberufsunfallversicherung” Non-occupational accident insurance)
  • BVG-Risikoprämie: CHF 6.60 (insurance in case of death or disability)

Total deductions: CHF 1421.01
Net monthly allowance: CHF 6816.64

I don’t have any BVG pension contributions and you might have to transfer your pension cash in a Freizügigkeitsstiftung if you don’t find a new job within 6 months