Hi there,
According to VIAC, its investments are based primarily on index funds from Credit Suisse and individual exchange traded funds (ETFs) from iShares. You can find the list of investment vehicles used by VIAC at: https://viac.ch/strategien/
Investment funds from Credit Suisse and iShares (a subsidiary of Blackrock, currently the world's largest independent wealth manager) could be considered to be relatively secure. As with all investment funds, however, there is no 100% guarantee that your investments are secure.
VIAC only holds a small portion of investments in cash. When you use the Global 100 strategy, for example, only around 3% of your money is kept in an account.
The WIR Bank has been in operation for more than 80 years. If it goes bankrupt, the portion of your assets which is held in a 3a savings account are privileged under the depositor protection scheme from Esisuisse. Shares in investment funds are considered to be segregated assets and are not included in the failed bank's assets under liquidation.
As with all stock market investments, the investments made by investment funds bear a fair amount of risk. Depending on how the market develops ahead of your reaching legal retirement age, your assets may grow or shrink in value.
Best regards from Moneyguru
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