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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: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.

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.2.1 Increased market liquidityThe 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.

The first batch of 85 index funds are included in personal pension investment. How will the expansion affect the market? Interpretation of many fund companiesGuide 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.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.