First, if the insured wants to transfer the endowment insurance relationship between different co-ordination areas, it may affect the collection and use of endowment insurance funds in these two co-ordination areas. Therefore, most of the overall planning areas do not support the "barrier-free" transfer of the pension insurance relationship, but attach some conditions to reduce possible losses. For example, the insured is required to pay a total of 5~ 10 years at the place of transfer in order to enjoy the pension treatment at the place of transfer after retirement.
Second, individual accounts reflect differences, while social pooling reflects averages; Social planning is partly aimed at practical needs, and personal accounts are partly aimed at historical accumulation. Only by combining these two parts can the old-age insurance be complete. In developed market economy countries, the part of endowment insurance that reflects historical accumulation and differences is generally not the responsibility of government departments, but managed by non-governmental organizations in the form of enterprise annuities.
However, whether in Europe or the United States, the overall part of the pay-as-you-go system is an important part of the old-age insurance, and it is also the responsibility that the government must bear. At the beginning of his second term, Bush tried to reform the pension system in the United States, so that Americans could transfer part of the money originally given to the social security trust fund to their personal accounts, that is, reduce the proportion of the social pooling part of the pension insurance that the government was responsible for, but by the time he left office, this reform had not been realized.