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By investing in index funds, personal pension is expected to share the dividend of national economic development and realize the preservation and appreciation of personal pension reserves. According to the principle of economics, long-term capital entering the market will help promote economic growth. At the same time, the appreciation of pension assets is also expected to enhance the wealth effect of residents and further promote the steady improvement and long-term improvement of the economy. This effect plays an important role in coping with the aging population and promoting social harmony.2. The influence of index funds into individual pensionsBy investing in index funds, personal pension is expected to share the dividend of national economic development and realize the preservation and appreciation of personal pension reserves. According to the principle of economics, long-term capital entering the market will help promote economic growth. At the same time, the appreciation of pension assets is also expected to enhance the wealth effect of residents and further promote the steady improvement and long-term improvement of the economy. This effect plays an important role in coping with the aging population and promoting social harmony.

The expansion of individual pension system is an important step in the development of multi-level pension insurance system in China, aiming at meeting the challenges brought by the aging population. According to the latest policy, the personal pension system will be extended to the whole country on December 15th, 2024, and the first batch of 85 equity index funds will be included in the catalogue of personal pension investment products. The implementation background of this policy is mainly based on the following points:The entry of long-term funds into the market helps to reduce short-term fluctuations in the market and enhance market stability. Personal pension as a long-term fund, its investment in index funds will reduce speculative transactions in the market and enhance the long-term investment attributes of the market. According to market research, long-term capital entry into the market can reduce market volatility and improve market efficiency and stability, which is of great significance to the healthy development of the capital market.2.4 Optimization of capital market structure

2.5 Investor Education and Financial Literacy ImprovementThe 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.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.