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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.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.To sum up, the inclusion of the first batch of 85 index funds in the personal pension investment catalogue not only responded to the guidance of national policies, but also brought more incremental funds and investment options to the market, which is expected to have a positive impact on the expansion and stability of the market.

2.4 Optimization of capital market structure2.1 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.

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.1.2 Impact of market expansion2.3 Market stability improvement