Does Shenzhen social security transfer to Huizhou lose money?

You can not transfer first, and then apply for transfer and merger after you determine your retirement location in the future. In my hometown, I have to apply for insurance for residents, and in Shenzhen and Huizhou, I have to apply for insurance for urban workers. Now these two types of insurance can only be merged downwards, that is, employee insurance can be converted into urban and rural insurance, but urban and rural insurance cannot be converted into employee insurance.