Now, index funds have officially been included in the list of investable products for personal pensions.

As one of the most closely watched investment tools in recent years, index funds have become a "mainstay" in global pension allocations due to their low fees, transparency, and risk diversification. Now, they have also entered the scope of personal pension investments, providing investors with more diverse long-term allocation options.

From an international perspective, index funds have become an essential tool for global pension investments due to their low costs, risk diversification, and high transparency.

Pension investments have long time horizons, and index funds typically have low fees, which can reduce investment costs and better leverage the compounding effect over the long term, aiding retirement savings. Additionally, index funds usually hold a large number of constituent stocks, effectively diversifying the risk of single-stock investments.

Moreover, index funds operate with transparency, allowing investors to clearly understand their holdings and performance, thereby increasing trust in the product. Furthermore, index funds have simple and stable investment strategies, enabling investors to better plan and adjust their retirement investment strategies.

In summary, including index funds in personal pension funds can, on one hand, provide more diverse investment options for personal pension accounts, meeting the needs of different risk preferences and life stages. On the other hand, the aforementioned characteristics of index funds can also help reduce decision-making difficulties for ordinary investors, increase participation in personal pension accounts, and thereby promote the growth of personal pension business scale and market penetration, further improving China's pension system.