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2.6 Economic growth and wealth effectThe 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 2030.2.4 Optimization of capital market structure

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

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.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.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.