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The introduction of index funds provides more diversified investment options for individual pension investors. The first batch of 85 index funds cover broad-based index, dividend index and other categories, including Shanghai and Shenzhen 300 Index, CSI A500 Index, Growth Enterprise Market Index, etc. These index funds have clear investment styles and low rates, which can meet the needs of investors with different risk preferences. According to market analysis, broad-based index funds can reflect the overall performance of the market, while dividend strategy index funds focus on listed companies with high dividend ratio, providing a stable source of income for pension investment.Diversification of investment styles: The diversified investment styles of index funds, such as broad-based index and dividend strategy index, provide investors with more asset allocation options and help to diversify investment risks.

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.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.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.

2.6 Economic growth and wealth effectIncrease 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.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.