Factory Reset Question

[DeiseSupes]

Hey,

I'm not happy with my iMac right now (late 2013) - way too many beach balls where there shouldn't be any.
Anyway, I'm going to do a factory reset and I was wondering about keychain access. Will all those passwords be lost or are they stored on the cloud by default?

Thanks in advance

 

[GoldenDust]

They are stored in iCloud; however, before you factory reset. I implore you to try a system cleaner that could potentially find the culprit.

 

[DeiseSupes]

What would you recommend?