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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.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.2.2 diversification of investment style

The inclusion of index funds helps to optimize the structure of the capital market and increase the proportion of institutional investors. According to market analysis, the full implementation of individual pension will attract more institutional investors to participate in the market, thus improving the maturity and efficiency of the market. The increase of institutional investors will promote more rational and long-term value investment in the market and reduce irrational fluctuations in the market.2.4 Optimization of capital market structureGuide 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.

Improve market efficiency: the transparency and low rate of index funds help to improve market efficiency, reduce transaction costs and increase investor participation.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 expansion