Why You're Drip Feeding Into the Underlying Funds?

It sounds from your question that you're making an annual pension contribution. And then you're drip feeding into the underlying funds equities from theirs. I think my biggest question is why you're doing that? It's not a criticism, but I wonder if those reasons are perhaps more important to you than the interest rate itself. You will either wish you'd gone all in on day one, or you'll be glad you didn't. There's no way to know the outcome of that in advance.