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Increase investment options: Incorporating index funds provides more investment options for individual pension investors, enriches the product line and meets the needs of investors with different risk preferences.Incorporating index funds into the personal pension investment catalogue will also help to strengthen the education and popularization of financial market knowledge and enhance the financial literacy and risk awareness of the whole society. According to market research, individual pension investors pay more attention to the long-term performance and risk control of products when choosing investment products, which will prompt investors to pay more attention to the long-term trend and investment knowledge of financial markets, thus improving the financial literacy of the whole society.After being included in the index fund, the funds in the individual pension account will enter the market as incremental funds, which will significantly improve the market liquidity. According to official data, as of December 12th, the number of Public Offering of Fund products that can be invested in personal pension has increased to 284, and it is estimated that the scale of new funds will reach several hundred billion yuan. This scale of capital inflow will provide stable liquidity support for the market and reduce the sensitivity of the market to short-term capital fluctuations.

2.1 Increased market liquidityIncrease investment options: Incorporating index funds provides more investment options for individual pension investors, enriches the product line and meets the needs of investors with different risk preferences.2.4 Optimization of capital market structure

Market scale growth: The inclusion of index funds is expected to attract more individual pensions to participate, thus increasing market scale and improving market liquidity.The aging of the population is increasing: the proportion of people over 60 years old in China continues to increase, and it is expected to reach 29.9% by 2040, which poses great pressure on the existing old-age security system.The first batch of 85 index funds are included in personal pension investment. How will the expansion affect the market? Interpretation of many fund companies