储蓄国债（电子式）纳入个人养老金产品范围，对个人投资者有何影响？

Core Viewpoint - The Ministry of Finance and the People's Bank of China have announced that electronic savings bonds will be included in the range of personal pension products, which is expected to have significant implications for individual investors and the pension system [1][3]. Group 1: Impact on Individual Investors - Savings bonds are characterized by high safety and stable returns, making them attractive to conservative investors [3]. - The inclusion of savings bonds in personal pension accounts will enhance the product offerings available to individuals, catering to various risk preferences [3]. Group 2: Implications for the Pension System - This initiative is anticipated to improve the coverage and appeal of the personal pension system, thereby promoting the development of the third pillar of pension insurance [3]. Group 3: Effects on the National Debt Market - Personal pensions represent a typical source of long-term capital, and their introduction into the national debt market is expected to provide significant long-term funding, which will strongly support the development of the national debt market [5].