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Underdevelopment of the third pillar: Compared with developed countries, the scale of the second and third pillar pensions in China is relatively low, which needs to be promoted through policy guidance.1.2 Impact of market expansionGuide 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.

2.5 Investor Education and Financial Literacy ImprovementMarket scale growth: The inclusion of index funds is expected to attract more individual pensions to participate, thus increasing market scale and improving market liquidity.

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. The influence of index funds into individual pensionsThe 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.