There is nothing to lose by moving from one place to another, because no matter where you go, the amount in your personal account is the same. However, when a person's life is not good (before or after retirement age, he died after receiving a short pension), he is sure to suffer! Because after his (her) death, his (her) family can only receive or inherit the money in his (her) personal account, and the money recorded in the overall fund (actually paid by individuals, that is, 12%) is wasted! ! ! Of course, if you can live to be over 70 years old, it is basically not bitter. The older you get, the more you earn!