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Improve market efficiency: the transparency and low rate of index funds help to improve market efficiency, reduce transaction costs and increase investor participation.Guide long-term funds to enter the market: Personal pension is a long-term fund, and its investment in index funds will help guide more long-term funds to enter the capital market and enhance market stability.The pressure on basic old-age insurance is increasing: with the aging population, the growth rate of basic old-age insurance fund expenditure exceeds the growth rate of income, and it is estimated that the basic old-age pension gap will be close to 3 trillion yuan by 2030.

2.3 Market stability improvementThe 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.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.

Improvement of market stability: the entry of long-term funds into the market will help reduce short-term fluctuations in the market and improve market stability, which is of positive significance to the healthy development of the capital market.2.1 Increased market liquidity2.5 Investor Education and Financial Literacy Improvement