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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.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.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.

Improve market efficiency: the transparency and low rate of index funds help to improve market efficiency, reduce transaction costs and increase investor participation.2.2 diversification of investment style2.2 diversification of investment style

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.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 pensions