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The entry of long-term funds into the market helps to reduce short-term fluctuations in the market and enhance market stability. Personal pension as a long-term fund, its investment in index funds will reduce speculative transactions in the market and enhance the long-term investment attributes of the market. According to market research, long-term capital entry into the market can reduce market volatility and improve market efficiency and stability, which is of great significance to the healthy development of the capital market.2.2 diversification of investment styleThe 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.

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.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.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.

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.2. The influence of index funds into individual pensions2.5 Investor Education and Financial Literacy Improvement