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A retaining wall can only function as a fence if it’s high enough on all sides to prevent someone from accidentally falling into the pool. However, most retaining walls retain dirt, which means their purpose is not related to safety. There would need to be nothing on the other side of the wall for it to be considered a fence, but in that case, it wouldn’t retain anything and would cease to be a retaining wall.  

There are many factors to consider when building an in-ground concrete pool. This includes the pool’s primary purpose (relaxation or exercise) if you live in a warm or cold climate (how often it’ll be used), and if you have the budget for chemical treatments and pool maintenance. In-ground pools are often more costly than aboveground pools, but they’re considered more luxurious and hold more value.

Depending on your budget, wants, and needs, a pool enclosure can be a worthwhile investment. It all comes down to how much you use your pool, and what it would mean to you to have year-round access to it.

If you know that you'll swim in your pool a lot, then having an enclosure means you don't have to worry about the weather. It's also a lot easier to maintain the water, because you don't have to deal with leaves falling into the pool, and the water's chemical levels tend to be more stable.

In most states, it is a legal requirement to have a fence around your pool. Laws vary by state and city, so check with your state and local government for regulations specific to you. Additionally, most homeowners' insurance providers will require some type of fence surrounding a residential pool before they provide coverage.