„Im Falle des Konkurses einer FZE werden die Sparguthaben der Destinatäre nach den allgemeinen Regeln des Bundesgesetzes über Schuldbetreibung und Konkurs25 (SchKG) kolloziert.“
There is indeed some risk with cash. I disagree with @Cortana: Your cash with vested benefit foundations and with pillar 3a providers is not secured, it only gets preferred treatment in case of a bankrupcy (which is not worth much). Check eisuisse‘s FAQ on this.
Also: Cantonal bank with state guarantee won‘t help either, as this money technically always stays with separated legal entities that do not enjoy that guarantee.
To be precise as example: Your money would be with Freizügigkeitsstiftung der Zürcher Kantonalbank, which in turn offers you to invest in Swisscanto products.
(Not saying this is bad by the way, there are good reasons to keep vested benefits and pillar 3a separated from the rest of the bank)
Maybe I do ValuePension and ZKB for peace of mind.
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